BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-23
Company: Experian Information Solutions Inc.
State: MO
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:
XX/XX/2019, I discovered a negative item, ( XXXX XXXX XXXX ) has been reinserted into my credit file. You are Required by law to notify me within five ( 5 ) days of reinserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. 

The consumer law states that if the account was deleted as a result of a dispute then the credit bureaus are required to notify the consumer where an account is reinserted. And even moreso the FCRA reporting period have expired. So this was reinserted illegally

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 2020-06-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my 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 2020-06-06
Company: Ocwen Financial Corporation
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : PHH MORT SVC XXXX - XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
During 2018 I had two unexpected life events. The first one was the sickness and later dead of my father, unfortunately he was diagnosticated with XXXX XXXX, his sickness impacted the household income, I didnt expected the situation where my full income went straight to my family basics needs when I applied for this credit card.

To make the everything worse I was impacted by the destructive wildfires across all California in 2018, I was impacted because the wildfires prevent the company to continue working so work was stopped by week and at some point inconsistent, as result of the wildfires my income was reduced for less than the half but was a disaster out of my control.

With my father in the hospital I was paying all the basic life bills and expenses as food, electricity, rent, etc. with a reduced income. With the time my father passed away, but then I had to get enough money to pay a funeral.

From someway or other I made some payments, but not in the right time due to those catastrophic events ( My father sickness and later dead and the 2018 wildfires season in California ) out of my control, Life happens. As results of all these my credit history was destroyed, I called Capital One to ask for a relief or forgiveness with the late payments on my credit report history, but they were unable work on it, even when the 2018 Wildfires in California were National Emergency. I am not asking for a forgiveness in money because I already paid in full the balance owned to Capital One, I am just asking to delete or remove the late payments in my credit report history, the creditor should provide a relief due to Catastrophic and National Emergencies like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 had fraud on my account. XXXX XXXX did send me a new card and credit back the fraudulent charges however they reported the balance to the credit companies ( Transunion and XXXX ) and my score has dropped drastically .This needs to be fix asap

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 2019-07-23
Company: MoneyLion Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I saw a program " pave the wage '' advertised by moneylion bank in XX/XX/2019. I clicked the 'opt-in ' button on my phone and then it redirects me to a new page in my browser " XXXX XXXX XXXX ''. And I thought I'm all set but just not quite sure, thus I contacted the customer service and was told there is no way to tell whether I was enrolled successfully or not. So I just move forward and meet all the requirements posted there but unfortunately I haven't seen the open account bonus. Trying to contact the customer service couple of days ago, the response is they could not find my name on the list which means I'm not eligible for the bonus. It's kinda of a cheating, if they can not see my name on a 'list ', why they can not tell me the in the first place. Or it's just a glitch in their system. 

Attached documents show the details and terms of this program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
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:
Despite 2 former CFPB complaints, XXXX XXXX continues to report incorrect information regarding a balance owed to them. 

I have attempted several times to contact XXXX XXXX at XXXX. She declines to return my phone calls and will not respond to my letters. 

XXXX is reporting to all credit agencies that I have a balance of {$6000.00} that is past due and was charged off. I dispute this amount. XXXX card, only through a letter in response to my former XXXX complaint states that I owe a balance of {$3400.00}. I want to know why they are reporting that I owe a balance of {$6000.00}. In fact at one time in 2013, they were reporting that I owed a balance of {$360000.00}. 

I have contacted XXXX and asked that they provide detailed information concerning the {$6000.00} balance that they continue to report. After 60 days I still have not received an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have sent my FTC identity theft report and all other supporting documents that Equifax has asked for, yet I have not received an adequate solution. According to the identity theft government website, credit reporting agencies have to erase the fraudulent information within 4 days of receiving my FTC report, yet, Equifax is saying that it would be an additional 30 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: I.C. System, 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:
This is inaccurate! I see a lot of missing information on this 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 2022-01-12
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Originally, I made a payment on my Comenity XXXX XXXX account of {$920.00} that paid the statement balance in full. Comenity mis-posted this payment to my XXXX XXXX account, with no balance, that resulted in a negative balance of {$920.00} on that same XXXX XXXX account. My Comenity XXXX XXXX account was now past due with the amount of {$920.00} plus fees. 

I contacted Comenity regarding the mistake they made in the posting of my XXXX XXXX payment. Furthermore, as instructed by Comenity, I disputed the overdue charges of {$920.00} on my XXXX XXXX account in writing. I provided written evidence that Comenity had mis-posted my XXXX XXXX payment of {$920.00} to my XXXX XXXX account that now had a negative balance of {$920.00}. 

XXXX agreed that they had made a mistake and would make the corrections to ensure the {$920.00} payment would be applied correctly to my XXXX XXXX account along with removing any interest accrued and late fees. In doing so, Comenity was to remove the credit balance from the XXXX XXXX account. 

Comenity made another mistake while trying to correct its first mistake of the mis-posted payment. In trying to correct the mistake, Comenity then double charged back my XXXX XXXX account and then double credited my XXXX XXXX account. At this point, I now had a negative balance of {$920.00} on my XXXX XXXX account and a positive balance of {$920.00} on my XXXX XXXX account. 

I called the XXXX XXXX to attempt to advise them of the second mistake and that I did not owe any money on the XXXX XXXX or XXXX XXXX card. This was Comenity making continued mis-postings to my accounts. I was advised that it would be corrected by the Comenity representative. Unfortunately, it was not corrected, and I called again. Again, I was advised it would be corrected and it was not. I was then sent a check by Comenity for my negative balance on my XXXX XXXX account. 

I advised the representative that I would not cash the check, because the money is not mine. The representative said that they would put a stop payment on the check and correct the two account balances to where both would be {$0.00}. Again, this did not happen. 

I do not owe Comenity any money on either account. Furthermore, I will not provide Comenity any money. This is all due to Comenity making multiple mistakes regarding my original payment that was to be applied to my XXXX XXXX account. Comenity has shown a lack of regard in even trying to correct its multiple mistakes and has now wrongly reported late payments to my credit reports. Comenity could easily resolve this issue, but has chosen to not even try to figure it out. Please ask Comenity what are the charges that resulted in the balance of {$920.00} on my XXXX XXXX account. There are no charges on that account. Only Comenity 's continued mis-postings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-12
Company: U.S. BANCORP
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Called Customer Service representative and they stated I have a XXXX credit limit. I was incorrectly informed and the actual credit limit was XXXX. I had unknowingly gone over my credit limit several times and never had any issues or high minimum balances or delinquencies until XXXX XXXX. 

I made 4 on-time payments ( XXXX for XXXX, XXXX for XXXX, XXXX for XXXX, XXXX for XXXX ) which was putting my account balance below the credit limit. I got a call from collections stating I was past due on my accounts for XXXX XXXX and XXXX XXXX. I had explained I had made multiple payments on the account for those months on time so they should n't be past due. The representative stated that even though I was making payments and my balance amt was below the limit I was n't making the full minimum payment and thus they were charging me with being delinquent on my account. Upon this knowledge I rectified the situation immediately and paid beyond the minimum payment even though my account was below the credit limit just to stop the delinquent status and it has been in good standing since. As a result they are reporting to credit agencies that I had be delinquent payments for XXXX XXXX and XXXX XXXX. I have tried to call customer service several times and told I needed to send a dispute letter ( which I have sent 3 letters XXXX XXXX, XXXX XXXX and XXXX XXXX to the XXXX XXXX office. I have never gotten a response back despite the customer service representative telling me they needed to respond in 30 days.. My last call was XXXX asking to speak with an actual person to resolve this and was told to send another letter ( Which I have sent once again on XXXX/XXXX/XXXX ). At this point I need further assistance or a live contact within the company to be able to assist with this issue.

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 2018-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hello Im from XXXX and I had a problem with XXXX in the past because my father shares the same Name as me and when he declared bankruptcy his collection information was applied to my account. I resolved the dispute with XXXX XXXX. I recently applied for a XXXX XXXX credit card and was denied because they report to TransUnionXXXX and that particular company reported to XXXX that I had a collections item still on my account. I spoke to TransUnion and they said that they would file a dispute form about the innacuracy on my credit file. I know that its going to come back and they will deny it because I dont have any information right now to back my claim up. When I delt with XXXX 4 months ago I filed the dispute form and sent XXXX documents that had very sensitive information regarding me and my parents bankruptcy information and these companies should communicate with each other and update information accordingly. This is a broken system and I now have an extra inquiry into my file for no reason. If I would of known I had a collections item at one of the. 2 credit bureaus I would of never applied for a credit card.

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 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are two child support cases that are being reported on my credit file. The balance amounts are incorrect I have no balance on my account there is only 1 case that I had and my child is over XXXX XXXX XXXX and the account is closed never paid late and satisfied in full. 
I noticed another account is being reported on my credit which Is not mine. I requested validation to be made and re-investigation there has been no effort made from the credit bureaus. There is also a repossession being reported which does not belong to me but its being reported on my file being reported as my vehicle.

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 2020-06-06
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I was in a wreck XXXX total loss on my end. My car insurance XXXX paid it off as well as GAP insurance paid the remainder. When I look on to my credibly report on XX/XX/XXXX. I seen that I still had an account with Santander consumer. And it was more than {$33.00} approximately. So the company stated I owed interest rate, late fees. And that price wasnt added into my total cost. So I reached out to XXXX, they stated with Proof, the Title And Agreements that they received from Santander Consumer, I will not be responsible of everything that was agreed upon. So i recently reached out to them after 3 yrs of giving proof to XXXX  about the information. They are still trying to receive {$3400.00} from me that I dont feel that Im not obligated to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX, my new loan service provider, abruptly dropped their services on my lap without any warning. I knew this because XXXX sent me an email on XXXX XXXX stating that they would no longer service my XXXX loan. By doing this they have removed the platform upon which I make timely payments to repay my XXXX loan, and forced me to find only one person on the planet at XXXX who might be able to help me. However, she is n't available until XXXX XXXX. In the mean time I am locked out of my account that XXXX took control of. I ca n't call them because their system wo n't recognize my social security number. I ca n't access my account online and they ignore my email communication ; in fact, I have no receipt from them that they received my email communication. Finally, I ca n't make a payment. I 'm a ghost to them, and my unblemished credit is at risk because of the incompetence of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I was on XXXX and successfully obtained my XXXX  and XXXX reports but the EQUIFAX report resulted in an error and returned me to the XXXX web page which " assumed '' I obtained the report and would n't let me try again. 

Given all of the media attention around the Equifax data breach, I must obtain a copy. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Resurgent Capital Services L.P.
State: FL
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:
On XX/XX/2021 I requested for these companies to provide me proof of signature in black ink that I owe & agreed to pay the alleged debts. These companies failed to provide me any written contract for me to pay these debts. The companies have also violated HIPPA laws and my rights by collecting my medical information without my consent. I demand that they seize & remove these accounts from my credit reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-12
Company: Coinbase, Inc.
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
In XXXX of XXXX, I invested funds with Coinbase, investing in Bitcoin and Eretheum. I sent funds into my Coinbase account several times. After Bitcoin gained significant value I tried to withdraw funds. I was locked out of my account and have been locked out with no ability to access my account for over 8 weeks. I have called Coinbase Customer Service many times. It was explained to me there is nothing they can do as they have a system problem due to an excess amount of business. They further explained to me that calling the customer service number to resolve the issue only hurts me because I get moved down the list in priority! I have had one supervisor, ( XXXX ) that said he would personally help me and to send him a screen shot of an error message. There was no reply or help from XXXX. I have been told a dozen times by customer service they ca n't help me! One representative even told me it is part of the risk of investing!! I explained to her it is not the investment that is the problem but the actions of Coinbase was the problem. All the while, my money is tied up in a downward market that I do not want to be in any longer but have no ability to withdraw the funds. Coinbase would not even freeze my account so I would not loose money with the declining market. My money is being lost simply because Coinbase refuses to give me access to my account!! I have lost thousands of dollars to date due to the incompetence ( and illegal actions ) of Coinbase. I have recorded phone calls and emails to  substantiate my acquisitions. This complaint is my last attempt to resolve this matter before I seek legal action against Coinbase.

Company response to consumer: Closed with explanation