BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-19
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Below is from my credit report stating that I owe when I was already moved out I called the apartments they tell me that its not them and that they can not take it back. Everything below this statement is in error and I hope you can help. Please and ty in advance. 
XXXX XXXX XXXX Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$850.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$850.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$850.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY XXXX XXXX XXXX Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$1900.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$1900.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$1900.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Purchased some crypto currency using an address from my coinbase wallet. Horrible customer service. Still trying to get a useful response from coinbase after 25 days of repeated attempts. Case # XXXX I am not alone with this problem 100 of people accross the USA and around the world have fallen victims of this fraudulent company which has its head office in XXXX  XXXX XXXX. 
Here are some of the key players at Coinbase you can contact : XXXX XXXX CEO XXXX XXXX COO XXXX XXXX Head of Engineering Will Conder Recruitment XXXX XXXX Global head of belonging Inclusion and experience XXXX XXXX Director of Product management

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company IC SYSTEM has failed to comply with deletion of this account to credit bureaus. Delete now or lawsuit will be the next step.

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 2020-08-21
Company: Nelnet, Inc.
State: VA
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 NOT A DUPLICATE COMPLAINT - IT IS A NEW MATTER FOR A DIFFERENT YEAR THAN PREVIOUSLY SUBMITTED. PLEASE READ THE COMPLAINT CAREFULLY. 

I submitted the following complaint " On my XXXX  & XXXX  reports for the Nelnet Direct Subsidized Loan ending in XXXX for orig amt {$8500.00}, 90 day late is being reported for XX/XX/XXXX, but the loan, along with all of my other loans with them, was paid in full through consolidation on XXXX  XXXX, XXXX. Late payment being reported is after date loan was paid in full. Please remove late payment for time period nothing was owed because you were already paid off. '' Nelnet closed out stating they did not have to investigate because it was substantially similar to previous complaints that had already been investigated. 

This complaint is NOT similar to other complaints previously submitted. If you read the complaint, it is referencing a late payment you are reporting in XXXX. The previous complaints are for XXXX and were regarding a different dispute entirely that was in re to a forbearance and whether the backdating of the forbearance should result in the XX/XX/XXXX late payments being removed. This is in re to You were paid off in XXXX and now are reporting a late payment in XXXX. The late payment in XXXX needs to be investigated and removed because it is after the loan was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: EQUIFAX, INC.
State: FL
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 loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My name is XXXX XXXX. I have a Capital One credit card ( XXXX ) XXXX, Capitalone.com with a {$8500.00} credit limit. My credit rating ( depending which credit agency ) ranges from 792-827 I always pay off all my bills for the full amount every month and have an annual salary in excess of {$170000.00} Today I checked my account and discovered my credit limit was reduced to {$2000.00}. I called Capital One at XXXX and was told they reduced it because I wasnt using all of the credit. I then spoke to the account manager and he refused to increase it back. Even though the reduction would adversely affect my credit rating, which in the end affects what we pay for everything ( ie : car loans, etc )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
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: Information is missing that should be on the report

Complaint:
XXXX XXXX failed to report my account to XXXX  which is in excellent standing causing my FICO score to drop from XXXX to XXXX. I sent them a FCRA notification on XX/XX/XXXX. I was assured by XXXX XXXX their mistake would be corrected. That mistake has never been corrected to this date. 

Yesterday ( XX/XX/XXXX, I checked my credit report with Experian. The same thing has happened again with XXXX XXXX failing to show my excellent credit history with XXXX XXXX which has again damaged my XXXX score from XXXX to XXXX. 

I have sent XXXX  XXXX a FCRA letter demanding them to correct their mistakes within 10 days or I will take legal action.

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 2018-05-21
Company: AES/PHEAA
State: TX
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:
I have a student loan through XXXX XXXX reporting on XXXX, XXXX, and XXXX. The loans are up to date, but are reporting 4 late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). During that time period, the loans were in forbearance as they were prior and after. Ive made numerous attempts to correct the issue through XXXX, XXXX, and XXXX  unsuccessfully. Those late payments report are affecting my credit tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have identified erroneous accounts and information on my credit file. I have reached out to the credit bureaus by mail, e-file and telephone call with no assistance. I've been fighting these errors since I found them. This problem is making it impossible for me to do what I need to do credit wise because of the negative reporting.

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 2021-06-08
Company: EQUIFAX, INC.
State: CA
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:
To begin with, I did not authorize or give consent to XXXX or any other agency to furnish information related to me. 

I XXXX XXXX, have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. 

Following these harassing phone calls, I performed a review of my credit report, and I discovered that your agency shows some unauthorized accounts that I find to be detrimental to my credit. 

Please be advised that the companies performing the harassing phone calls are listed below. 
1 ) XXXX XXXX XXXX / {$560.00} 2 ) XXXX XXXX XXXX / {$14000.00} 3 ) XXXX XXXX XXXX / {$14000.00} 4 ) XXXX XXXX / {$2900.00} 5 ) XXXX XXXX {$5100.00} 6 ) XXXX XXXX, XXXX / {$9100.00} 7 ) XXXX XXXX XXXX / {$300.00} 8 ) XXXX XXXX, XXXX / {$280.00} 9 ) XXXX XXXX XXXX / {$10000.00} 10 ) XXXX XXXX / {$1100.00} To repeat, these transactions occurred without my permission. 

I would like to request removal of the above items from my credit report, which are the result of me being a victim of identity theft. This information does not relate to transactions that I have made/accounts that I have opened. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act, 15 U.S. Code 1681, 15 U.S. Code 1692g and 15 U.S. Code 1601.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My identity was stolen back in XX/XX/2013 and someone used my information and made fraud transactions of {$70.00} which I have no knowledge about. 
And I have problems now in the XXXX XXXX B of A Checking Acct no XXXX Routing No 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 2019-03-28
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/2018 I received a fraudulent inquiry on my Equifax credit report titled XXXX/XXXX. I called the XXXX XXXX that same day to remove the inquiry. They created a fraud case and I received a copy of the letter they sent to Equifax to remove the inquiry. After 2-3 months of no change to my credit file, I called XXXX  XXXX once again. They created and fraud case and requested that Equifax remove the inquiry. No change once again. I called Equifax numerous times and they consistently advise that I need to contact lender. I faxed Equifax a police report, FTC affidavit, copy of letters the XXXX XXXX sent to Equifax, copy of ssn and copy of state ID. I had actually listed another fraudulent inquiry on this fax submission that was for XXXX  XXXX/XXXX inquiry from XX/XX/2018 and they removed this one on XX/XX/XXXX but not the XXXX/XXXX. I constantly called Equifax and they have advised that they can not remove the inquiry, put me in hold for several minutes ( 40+ ) and transfer me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28
Company: CMRE Financial Services, Inc.
State: CA
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:
Cmre XXXX XXXX  medical still showing on my credit report after being paid by law office and disputed three times with company I have letter of paid in full to be removed from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Experian Information Solutions 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:
I have contacted XXXX and Experian several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to XXXX several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC, i've called and they've told me that their handling it and they received proper paperwork and i should see an update and i never do. The last rep I talked to stated she was in special handling, I havent had any luck with this. the following accounts that are reporting are : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, all have a {$0.00} balance. The other two accounts show they are included in a bankruptcy but there is no bankruptcy that is in my credit files 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 2018-04-05
Company: Credit Karma, LLC
State: CA
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 an account on XXXX XXXX, which is a free site that monitors your credit ongoing. The last week of XX/XX/2018, I followed some steps on the credit karma website to view more information about whether their suggested credit cards were really a good match for me. 

I don't even remember which cards I looked at, but after I did it, my credit score dropped XXXX points! As if I'd done a hard credit inquiry! 

I went to my email to check if there was anything confirming a hard credit check and there was nothing. Nothing in my finances had changed at all. After inquiring with customer service at XXXX XXXX, I got no answers about whether there was a hard credit check done on my account on XXXX XXXX 's website. I just got bounced around from one rep to the other who only had canned answers. 

XXXX XXXX completely destroyed my credit and ability to obtain a business loan and I can't even get on the phone with someone or talk to anyone who can provide any specific answers about my credit. 

I need help obtaining the assistance from this company as I did not authorize anything be done on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Today, XX/XX/2018, I attempted to connect my XXXX XXXX XXXX ( XXXX XXXX ) with a credit card management system. I've been able to connect all my other accounts however XXXXSynchrony is blocking me from enabling this external application. As this is my account, I have the right to access my account details however I wish using my own credentials.

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 2018-05-21
Company: DISCOVER BANK
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Around XX/XX/XXXX my cellphone wallet was lost including my ID, Bank card and possibly my Discover credit card. I was unaware that my discover credit card was in my wallet because I never use it. On XX/XX/XXXX I saw my statement with a high balance and I called Discover and reported my account had charges that I had not made. The account was closed and a new card was mailed out. I received a letter on XXXX stating that the investigation was closed. A month later I received a strange phone call from someone who said they worked at Discover and insinuating that i used the card by asking how would someone know what my credit limit was and how could they use the card and stop at my credit limit. Also caller stated he wanted a copy of my drivers license and a police report. I was on the freeway at the time and could not speak to the caller and ask to be called back later and given an email address and fax number so I could send information requested. I send a copy of requested information but the caller never called back. In XX/XX/XXXX all of the fraudulent charges were added back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I've used Coinbase for some time now, and all of a sudden after I transfer {$1300.00} to my Coinbase account, it gets disabled " temporarily ''. I immediately called their support phone number, but that does nothing as it's a robot the whole time. Contacted email support, messaged them on XXXX, and even wrote a reply on XXXX, and didn't get a single word back or explanation. After searching through XXXX, it shows this has happened to other people. So at this time, my account just sits with $ XXXX in it that was MY OWN money that I sent to Coinbase XXXX It's not theirs, and never was. I'm just wanting to move my funds elsewhere now, and close my Coinbase account. This is not fair how they treat paying and loyal customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The employment data reported on my Equifax, XXXX and XXXX XXXX credit report is inaccurate. I want the following accurate information reported and listed on my Equifax, XXXX   and XXXX XXXX credit report : Employer Name : XXXX XXXX XXXX, Position : XXXX XXXX XXXX ( XXXX  ), XXXX XXXX XXXX Position : XXXX XXXX XXXX ( XXXX  ), Salary : {$300000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08
Company: SYNCHRONY FINANCIAL
State: VA
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:
PayPal sync - an application and my information i did not fill out was used-twice In XXXX and 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 2018-05-21
Company: General Motors Financial Company, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear CFPB, I checked on my XXXX credit report and account breakdown on XXXX and it shows I have 6 hard inquiries, 3 of them that come from the same product ( car lease ). 2 of them are from GM Financial ( made with 3 days of difference ) and the 3rd one comes from XXXX XXXX XXXX the dealer from which I leased my current car ). 

I'm kindly asking for them to reconsider these hard inquiries since 2 of them were done on the same day ( XX/XX/XXXX ) and then on the XXXX they made another one. In the end I got my car lease approved, but I think it should only take 1 hard inquiry for that, not 3. Therefore, I consider it unfair to have 2 additional inquiries on something I actually ended up getting approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Financial Data Systems
State: NC
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:
Upon checking my report I noticed that a collection agency Financial Data Systems was reporting unpaid debt to 3 credit bureaus and I had never received any type of notice from them. On XX/XX/XXXX I sent a debt validation request to Financial Data Systems for these accounts they reported to the credit bureaur XXXX The amounts for these accounts are {$100.00}, {$65.00}, {$30.00}. The collection agency never responded and failed to provide proof of this debt. On XX/XX/XXXX I sent a SECOND letter to the collection agency and all three credit bureaus that the collection agency failed to provide proof of debt and under the Fair Debt Collections Practice Act they are required by law to stop reporting this debt. On XXXX XXXX I received notice from XXXX stating that this debt has been VERIFIED to them and they have updated my report as this debt being correct. I never recieved notice of this debt by the collection agency Financial Data System, I was made aware only after pulling my credit report. XXXX is violating the FDCPA by reporting debt that has not been proven to belong 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 explanation