BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
Capital one card was issued and activated ; on my information without my knowledge right now the balance on the card ending with XXXX is {$200.00}, I never had this card, or activated or used it ... .on calling the customer service XXXX, after long delays, I was told by XXXX senior supervisor, some kind of member ship with BJ 's was renewed for {$55.00} rest all is interest and fines. but I have moved from XXXX to XXXX  more than a year back, and I have not been to any BJs in last 18 months. this membership renewed without consent. and i never had this credit card of capital one. 
please investigate and penalize them for this business practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, I have inquired about the cash advances fee that was charged to my credit card in XX/XX/XXXX, and I was told it is regarding a cash advance made on XX/XX/XXXX, in the amount of {$43.00}. I have paid the fees monthly since XX/XX/XXXX and I should not have been charged at all. I have tried to get this issue resolved without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XX/XX/2018 My bank account went from {$190.00} to $ XXXX on account of {$610.00} of coinbase fees and {$100.00} bank insufficient funds fees. I called coinbase customer support to freeze my account and start a customer support ticket. The operator then told me my account was frozen and a specialist would look into the issue. After concluding the call i then get more notifications of account activity for the transfer of currencies from my account to some other. I then recall coinbase and explain my situation to another agent and they tell me my account had not been frozen but they will freeze it now. At this point i no longer have access to my own account. The phone number had been changed without my doing or consent. I got a notification that they where changing the email of my account and i had told the operators not to change it as it was not my email nor was it created by me. Yet it was changed and i can not access my account or its funds if they are still in my account. My bank has reimbursed me for the fees but i still had bitcoin in my account to the tune of XXXXXXXXBTC  when my account was hacked/hijacked. I fear my Bitcoin was traded away to another account and even if i resume access to my account it will be gone. I have since closed the bank account associated with my bitcoin for fear of more charged of which my bank would not cover. Ticket # XXXX I have received no response from coinbase about my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: MD
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 XXXX is continually reporting late payments on my credit file I was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I use to rent from XXXX XXXX XXXX their address XXXX XXXX XXXX XXXX, GA XXXX United States. When I moved out I called them to schedule a walk through but no one returned my calls. So I moved out and left the key with the receptionist at the front desk. Year go by I dont hear anything from them. Two years ago I was applying for another apartment and Im told Im in collections with National Credit System their contact number is XXXX. I called them and they said they are a law firm handling the debt I have with XXXX XXXX. I asked them what debt the read this long list. I told them theres no way Im being charged for normal ware and requested a receipt for all of the damages they were claiming as well as pictures because I left that apartment in perfect condition. I received nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: ONLINE Information Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off this debt on XX/XX/2019Confirmation number XXXXI confirmed with XXXX  XXXX my account had a XXXX  balance. But the collection agency is refusing to update my credit report.  I tried disputing it with XXXX  but they are still reporting it as owed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: DISCOVER BANK
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:
I WANT TO NOTIFY THAT I RECENTLY FOUND OUT A FRAUDULENT ACCOUNT IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT, AND SOMEBODY USED MY PERSONAL INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME. I DID NOT AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION AND OPEN AN ACCOUNT BY DISCOVER FINANCIAL SERVICES. PLEASE TAKE ALL APPROPRIATE STEPS TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: WELLS FARGO & COMPANY
State: GA
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:
I am a victim of identity theft. The some information listed on my credit report does not relate to the request I have made on my behalf so those items should be removed

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 2018-12-27
Company: LEXISNEXIS
State: PA
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:
LexisNexis I have not sign up with LexisNexis company or ask for any of there services. They act as if there the 3 Credit Bureaus with incorrect information. I don't need to authenticate nothing with LexisNexis. They gather information that is incorrect. I do not have to provide nothing to The. They have not authenticated nothing as of any Proof of documents or anything that's proof. All it is s letter a letter saying I need to authenticate my information. There is no law I have to do nothing with LexisNexis. There the one with incorrect information gathered threw 2 nd and 3 rd parties with no proof. My next action is going to be legal filing law suit on LexisNexis with no proof or correct information. I don't want to here no more lies and deceit of information unless proof is provided. If you don't like it lets go to court. I did not request sign up or ask LexisNexis for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: UHG, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call with Voice mail from XXXX on XX/XX/2020 saying that the compay had a petition of wage garnishment/judgement with my name and social attached to it. So i return the call and explained the debt had been paid. And asked for reference of the company name and if they were the creditor. He informed me they were XXXX, XXXX  XXXX  XXXX  and were a mediation company and not the debt collector. The debt collector was actually UHG Llc. The representative stated he didnt have that in his system and i could email bank debit details via email to show my repayemts. I did decline as im not at all comfortable sending that type of personal information via email. I asked to be sent documentation via mail and they refused saying they could only send an email. He then put his supervisor on the phone and again i asked for documentation and he repeated the same that they could only send email and why hadn't i previously responded. He also stated that 95 % of the time there are no errors and its not normal that the debt would be paid and they not have that info. I told him i just received the call and that when it referred to garnishments i contacted them back immediately. I have no issues dealing with debt or owed funds but for them to mention garnishments and or judgements without any prior notification of court and or subpoena is ludicrous. And they are not the creditor to threaten such action but only a mediation company at that to make that threat is simply outrageous. I shouldnt be threatened of garnishments to scare me as a consumer to payment. The supervisor said they dont do regular paper mail because of turn around time and proceeded to send me a letter of discussion of agreements in which our conversation we agreed to no such payment. I only requested documents proving and or outlining the debt. The email was a letter stating i agreed to pay when i did not. What profesional company that is debt collection and or mediation does not send official mail?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The XXXX XXXX credit card account was included on Schedule F of a discharged chapter XXXX bankruptcy in XX/XX/XXXX and there is no balance owed. Also, this account closed in XX/XX/XXXX. I have opened a complaint with XXXX  and have disputed this account twice. ( XX/XX/XXXX and XX/XX/XXXX ) The creditor is aware of the bankruptcy and updated the information in XXXX however, every other year the come back and update my file as if the account closed within the past 30 days, claim Im 120 days past due, and state that I owe XXXX. XXXX  refuses to remove it although Ive furnished documentation. They say the company says its accurate.

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 2019-08-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for American Express Everyday Credit Card on their online website and was eventually approved for it on or about XXXX XX/XX/XXXX. Part of their promotion was 10,000 points upon successful completion of purchase of $2,000.00 or more. Even after i completed all the requirements, American Express refused in XX/XX/XXXX XX/XX/XXXX for the following reasons:
1)  American Express says that i had the same credit card before, therefore i do not qualify for bonus for the Amex Everyday Credit Card. (I never had this credit card in my lifetime)
2) I have too many revolving accounts/high credit utilization so Amex refuses to give me the promotional points. (These were never advertised nor written in any agreements between Amex and I).

I believe every conversation i had with American Express was recorded and i would be happy to provide additional information should such opportunity arise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Bread Financial Holdings, Inc.
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
RE : XXXX Account Number Ending XXXX XXXX : Settlement Letter to Comenity to Pay in Full Account Ending XXXX XXXX : Settlement Letter Received by Comenity Bank XXXX : Comenity Bank Cashed {$290.00} Check as Stated Paid in Full per Settlement Letter XXXX : Cease and Desist Letter due to Comenity Placing Repeated Calls to Work Phone XXXX : Comenity Bank Still Report on my Credit Bureau and Still Repeated Calls to Work Phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I called XXXX and I went over my credit report with them showing them about the charge offs on credit cards that were closed display and accurate information and negatively impacting my credit score

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 2023-06-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Every month, I make a payment to my landlord through XXXX using my XXXX XXXX account. On XXXX/XXXX/XXXX, I made a payment to the same registered email ID that I have used in the past. However, my landlord claims that he did not receive the funds, and he showed me a statement to support his claim. I contacted my bank, and after conducting research, they confirmed that the funds were credited to an account ending in XXXX, which does not belong to my landlord, XXXX XXXX XXXX. My landlord 's account number ends in XXXX, and the registered email ID for XXXX is XXXX, which I have been using for the past XXXX years without any changes. I believe that Chase Bank, where my landlord has an account, should investigate the matter and credit the funds properly to my landlord 's account. The confusion seems to be with Chase Bank, and they should rectify the situation and refund the money to XXXX XXXX. I am attaching some photos, a letter, and a screenshot as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Grain Technology, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Grain technology has reported on my consumer credit report since XX/XX/2022 with a balance of {$910.00}. I have no knowledge of this account I'm not sure what this account is and they have yet to verify or validate the debt by providing any written agreements signed with a wet signature in reference to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXXXXXX XXXX Balance : $ {$2100.00} XXXX XXXX XXXX  XXXX Balance : {$150.00} XXXX XXXXXXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX  XXXX XXXX : {$150.00} XXXX XXXX XXXX  Balance : {$220.00} XXXX XXXX XXXX  Balance : {$2100.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$150.00}.

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 2023-02-26
Company: Experian Information Solutions Inc.
State: AL
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 15 USC 1681. 

Below are the name of accounts and numbers XXXX XXXX : # XXXX, XXXX : # XXXX XXXXXXXX XXXX  : # XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX theses accounts above, has violated my rights. 

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 a 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. 1681s-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.

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 2019-08-18
Company: First Credit Services Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector is attempting to collect an unverified debt that I believe does not belong to me. I am unaware of any such company, and I do not owe them any money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
XX/XX/XXXX XXXX, and everyone else I spoke to that day, they refuse to give me their names. And other Bank of America, discriminate against as a XXXX members they made me wait excessive wait times and hung up on me multiple times. 
Filed a complaint that she submitted with out reading to me. Refused to file my complaint as stated and wouldnt tell me the next steps.

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 2023-03-28
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my payroll check that I worked for at chase bank on Saturday for {$860.00} and they told me that the funds would be made available today but they are not available!!!!!! I worked for that money and they are withholding it for no reason longer than they said they would. I want my money that I have a legal right to spend on bills that I worked for!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: OH
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2019-03-21
Company: EOS Holdings, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
EOS CCA- XXXX is reporting on my credit report without every notifying me of this debt. They posted it to my credit and when I saw it I contacted them immediately. 
I didn't even owe the debt because the item was returned! 
I would have disputed it if I had received notification. 
I don't see how they can just put whatever on your credit without contacting you. 
My attorney will be the next contact as he advised me EOS violation. 
I served our country and this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please see attached documentation regarding XXXX XXXX account ending in XXXX which was deemed null and void, discharged, fully satisfied and which I was exonerated from. 

Despite this debt being nullified XXXX XXXX continues attempts to collect a debt they have confirmed they have no authority to collect, nor are they able to verify.

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 2023-01-24
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation