BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

Identity Theft XXXX/XXXX Date of inquiry : XX/XX/2020 This is not mine. 

Identity Theft XXXX Account Number : XXXX This is not mine. 

Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

XXXX XXXX Account Number : XXXX Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

Identity Theft XXXX  XXXX XXXX  XXXX XXXX. 
Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX XXXX XXXX. 
Account Number : XXXX This is not mine. 

Identity Theft XXXX  XXXX XXXX. 
Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX Bank  flagged my XXXX card as fraud, but when I asked Experian for a removal they did not comply. If the card is flagged for fraud and an investigation by XXXX, Experian should remove the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-XXXX FXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: Unisa, Inc
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Was using XXXX as the previous student loan finance company, before my loan was transferred to Unisa. I never had any issues with payments being received by XXXX. However, with the current provider, I have had an issue every single time I have tried to make a payment, resulting in several " past due '' marks against me -- each time due to their computer system that repeatedly fails to handles the payments. I contacted the company by their email contact form, concerning their system continuously having errors. I never received a response. I mentioned the issue to the customer service representative when having to make a past due payment due to their system, again, to no resolution by the company. 

I have attached a screenshot of my account payments, all being late due to their faulty payment system. Only one payment with them had been made previous to what was shown in the screenshot and it was on time due to their system being completely inaccessible ( could not even log in ) the first time I attempted to use it -- so a call was made to make the payment. Every following time, I had access to the system, the system indicated that everything went through and was processed correctly, and then would later tell me it was past due and would have to call and make a late payment. 

The continuation of the issue and the disregard for it indicates that these errors may be intentional so that the consumers of their system will have more interest to pay them on the payments, resulting in purposeful inaccessibility and essentially a fraudulent payment system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN:XXXX DOB : XX/XX/XXXX CFPB Consumer Financial Protection bureau To whom it may concern : Checking my Experian credit report found that the closed account : XXXX XXXX XXXX XXXX Account number XXXX inaccurately posted three late payments ; those payments were for XXXX, XXXX, and XXXX of XXXX. These are erroneous, looking at the report, they report 30 days late in XX/XX/XXXX, again 30 days late in XXXX not only is inaccurate is impossible because if I paid XXXX, it had to be current in XXXX or if XXXX wasn't paid, it had to show a 60 day late but it shows a 30 day late again, you report 30 days late in XXXX. Moreover, the late fees were rescinded by the bank and I was subsequently reimbursed. 
This is an inaccurate payment history and these errors should be removed from my credit file. 

Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: WESTERN UNION COMPANY, THE
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Yesterday, I transferred money to my sons bank account in the XXXX. The receipt said that the date the money will be available in the receivers country is today XX/XX/XXXX. It is already XXXX right now in the XXXX  . My son was getting crazy back and forth to check if the money is already in his account but nothing happened. Today is his college enrollment and he went home empty handed. He was already in school since morning waiting for the money to come but nothing happened. Ive been sending money to him almost every month but this is the first time it failed to deliver. I need some explanation what had happened. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello, and I hope all is well. Thank you for taking the time to review the complaint. A series of events occurred to have a fraud alert placed on all major credit bureaus. The companies listed requested Identification and social security numbers without a disclaimer of sensitive information signed. I was never a victim of identity theft. The letters drafted from the companies hired XXXX and XXXX XXXX XXXX. 

I began seeking reputable companies to assist with growth in the FICO Scoring system. The overall goal is to understand the five components ' of the overall credit profile. XXXX XXXX XXXX and XXXX had several misleading advertisements. 

For example, the rapid increase in point increased, the number of accounts removed, Etc. With the millions of credit reports, how can a company guarantee a rapid increase in points and everyone 's credit profile is different? The overall goal is to understand the scoring modulesthe overall credit profile 's five components. XXXX XXXX XXXX had several misleading advertisements. For example, the rapid increase in point increased, the number of accounts removed, Etc. With the millions of credit reports, how can a company guarantee a rapid increase in points and everyone 's credit profile is different? XXXX XXXX XXXX began services in XXXX of 2019 ; the total amount rendered {$800.00}. XXXX total {$750.00}. XXXX refunded the entire amount rendered for services. Poor experience from both companies, the goals in place weren't met. 
The overall goal is to assist with understanding the scoring module and the overall credit profile.. Reputable companies were the key to growth. Services were rendered from XXXX XXXX XXXX failed to educate on Payment History, Credit Utilization, Credit Age, Overall Credit, and Mix Credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX at XXXX XXXX, I started a withdraw of {$10000.00} ( from the sale of my cryptocurrency on their exchange ) from XXXX ( https : XXXX which is an arm of Coinbase ). This withdraw was to be a direct deposit into my XXXX XXXX XXXX account which I had used with them before. XXXX indicated that this would take a maximum of 10 days. The next day ( XX/XX/XXXX, XXXX XXXX ) I began a second withdraw of {$1200.00} to the same bank account. After about a week ( ~XX/XX/XXXX ), XXXX indicated that both transfers were " complete '' however I had received no funds and their transfer information said that the expected payout date and time was always the current time upon refreshing the page. I submitted a request to XXXX support on XX/XX/XXXX and only received an automated reply. It has now been more than 20 days since I initiated the withdraws and more than 10 days since I requested support from XXXX and received no reply or explanation. The withdraw info continues to indicated that the expected payout date and time is right now, but my bank shows no pending deposits. As a side note, I have used XXXX twice in the past and they only took a couple of days each time to complete the transactions ( each totaling {$10000.00} ). I have attached a picture of the transaction info XXXX provided for the two withdraws in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have excessive credit inquiry on my credit report I never signed or authorized I have called the companies also emailed them but no response. Some inquiries are back to back by the same company I also been involved in fraudulent charges to my credit and they put a fraud alert on my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Could not contact lenders and no collective bargaining or agreement was ever made with who the current lender is and how to contact

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Mutual Management Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Hello a building I stayed in 4 years ago when I left claimed I somewhat destroyed the apartment. They said they had to repaint the walls, replace the floor, replace utilities etc. Somehow of all the money I left them deposit etc. The cost was so high that after {$2000.00} was spent they still needed to get an additional {$1400.00}. I have tried to dispute this claim on XXXX. XXXX XXXX XXXX XXXX the place I was staying said they would create a dispute for the claim years ago they would get back to me with a certain email to send photos of the place in good condition etc. I never heard back from them. They never submitted evidence to me I had caused such destruction. When I try and dispute this with XXXX I simply get replies they checked the claim for accuracy and it is accurate. I have no idea what that means. How is it accurate? It was sold off to a debt collector Mutual Management and I still have no idea how they made this claim stick to my credit. I hired a lawyer for a separate property issue and I believe the firm does not think they can investigate these things once they are already on your credit report. Yet I saw a section that says that if I am not happy with XXXX  attempt to investigate this claim I can file a claim on this website. Here I am. Please advise me if I can go further with this and can always retain the services of my lawyer to help if necessary. I have no plans to try and pay a debt for damages to a property I did not create. I feel its a fraudulent attempt to get more money from a tenant who always paid on time. Thanks checking this out for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was charged a no-show penalty fee on my XXXX platinum card by the XXXX XXXX   Hotel for a reservation I made and cancelled at the XXXX  travel web portal. XX/XX/XXXX, I filed an online dispute with XXXX and uploaded a copy of the attached reservation cancellation. On XX/XX/XXXX, I spoke with XXXX at XXXX travel in XXXX, TX. XXXX acknowledged that the reservation was cancelled and that the penalty fee should not have been charged. On XX/XX/XXXX, XXXX left a voicemail message for me indicating that her manager XXXX had reviewed the account, contacted the XXXX XXXX and confirmed that the XXXX XXXX   would refund the penalty charge. 

In all my communications with XXXX I indicated that my statement closed at months end, and as such there was urgency to getting this matter resolved and the charged removed before the end of the month. The charged was not removed and XXXX  reported the account to all credit bureaus with the amount in dispute resulting in a negative impact to my FICO score. This resulted in my reported XXXX balance shooting from {$0.00} to {$540.00} even though that amount was the subject of an active dispute and Id been advised by XXXX travel that it would be corrected.

XXXX violated the Fair Credit Report Act by failing to report that the amount was subject to an active dispute.

In 3 years, this is the THIRD time I have been assessed a no-show penalty fee after cancelling a reservation through the XXXX   Travel web portal. This is evidence of a systemic failure of XXXX that  it had ample time to remedy just based on my complaints and correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
on XX/XX/2020 XXXX XXXX accidantly sent a duplicate balance transfer to bank of amercia for XXXX to visa ending in XXXX -- this resulted in a credit of the same amount on this account -- i have called boa several times trying to get a refund of the above said amount i called on XX/XX/XXXX and was told since there is a credit on my account the money should be reversed back to XXXX by XX/XX/XXXX-didnt happen called on XX/XX/XXXX to find out what is going on the told me that the money would be in my checking account in 1 to 2 business days -- didnt happen ( gave them my bank routing number and acct number ( XXXX XXXX ) called XX/XX/XXXX and asked status and they said the agent i talked to should have read me a disclouser that said it would take 3 to 5 business days called XX/XX/XXXX and asked status -- they said something about having to wait till XX/XX/XXXX because of the large amount to be refunded??? 
xmas ruined pls get my XXXX back to me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-16
Company: STERLING JEWELERS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been making on time payments to XXXX XXXX XXXX Jared 's and they are not reporting to my credit report at all. The company has been saying that they are reporting to my credit file but it is not there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: AES/PHEAA
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My unofficial credit reporting application XXXX  shows that my student loan was listed as delinquent in XXXX on the XXXX. It was immediately thereafter listed current on XX/XX/XXXX. 

I am on an income driven plan and due to issues with the recertification plan, it shows that I missed payments. 

None were actually missed, once all issues were resolved with the loan group, and I would like to see that removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
card was not used in years im XXXX please remove and update my nurse is helping me im in a XXXX home

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In my experience, the rewards on cards do not begin until I receive the card and activate it. I received my new XXXX XXXX XXXX card in the mail the other day XX/XX/XXXX, and I haven't even activated yet, and they are saying my miles bonus rewards program begins on XX/XX/XXXX through XX/XX/XXXX. 

In this case, I've already lost out on a week-and-a-half of miles accrual ( since I didn't have a card in my possession that I could actually use ). I need them to start it the day I activate the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX- ACCOUNT NUMBER- XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-28
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hi CFPB I raised a support ticket with XXXX, immediately after the platform crash they suffered, on the XX/XX/XXXX and again on the XX/XX/XXXX. They have only confirmed that they had received the support tickets, but did not provide support ticket references, then sent out an standard email on XX/XX/XXXX confirming they are having delays dealing with tickets ( which I empathise with ) and that they are prioritizing their responses. 

The contents of the second ticket, sent XX/XX/XXXX, explained my issue : " Hi Support I have not received a response to my request as yet, please can you help? 

My sell order for XXXX for XXXXBTC incorrectly fired around XXXX on the XX/XX/XXXX.  Your systems also dropped so rapidly it sold at levels far below XXXX - XXXX to XXXX, XXXX ... please provide evidence if was due to a system error and not a real price. 

Can you also confirm that the historical graphs for XX/XX/XXXX, around XXXX British Mean Time, now look completely different to what XXXX was showing on the day for the price of BTC/GBP ... now your site is showing a peak of XXXX but it definitely spiked at XXXX. 

Your graphs are now showing a low of around XXXX - my sell order was XXXX ... this is clear evidence that the sell order only fired due to your systems falling over. 

Can you confirm you can see the sell order cancellation request prior to your systems erroring? This was done around XXXX? 

I lost approximately XXXX of a BTC ... I'd purchased XXXX of BTC that morning and this error has wiped out my investment on that day effectively. 

Please can you help resolve this issue and refund me for the lost BTC? 

Much appreciated XXXX XXXX '' On the day of the XX/XX/XXXX the sell order fired incorrectly at XXXX British Mean Time and I then bought back in at XXXX when the price on XXXX had returned to the correct market value. I sold XXXX BTC and bought back XXXX BTC. I lost XXXX BTC due to the incorrect sell. 

There were also 2 charges of XXXX and XXXX from XXXX for the trades. None of these trades should have taken place and I should not have been charged due to the XXXX platform fail over/glitch. Please can you help? 

Thank you for your time and consideration. 

XXXX XXXX

Company response to consumer: Closed with explanation