BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-13
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I just checked my credit report for the first time in many years, because I knew I had some negatives that needed my attention, I have paid off a few already, but this one is still showing up on my report even though the balance is XXXX. I was lead to believe it would be removed from my report all together. 

The balance has always been XXXX, with no late payments according to the report.

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 2021-06-11
Company: ALLY FINANCIAL INC.
State: NC
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:
Credit was run thru several lenders without permission.

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 2021-02-28
Company: Experian Information Solutions 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 have repeatedly told XXXX  & Experian that I do not nor have I ever lived at the address that they continue to report as mine. 
Ive gone a step further by certified mailing them an information update form AND a FULL COPY of my lease. 
They continually report me as living in Utah and it has caused major impacts in my 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 non-monetary relief
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2018-12-24
Company: Nelnet, Inc.
State: LA
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 graduated in XXXX of XXXX from this school unit take which promised job placement for one within a  year which I never got I didn't get a job in for bottome until XXXX But the problem here is that I have never missed a payment on any of the 4 nil net loans that I have they have all been in deferment since I graduated I have never missed a payment in XXXX I have already disputed this with them on my XXXX XXXX credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: EOS Holdings, Inc.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Eos cca is the company originally XXXX they broke there own contract they wouldnt fix the dish didnt have I XXXX I mean not any services at all, I then canceled service because they refused to fix it then they sent out the wrong boxes after I called them to send out the new boxes they told me to keep them horrible customer service then proceeded charge for the contract they broke not me because refused to fix services and Satellite boxes they were refused to ship out the right boxes they ship smaller boxes on purpose then charge me instead of shipping which is felonious contact me further information XXXX sincerely XXXX XXXX XXXX XXXX ps because of the harassment I would like to sue this company for false/Inaccuracies on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
I have been a with BANK OF AMERICA customer since 2016 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/2016 ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payment were late, but rather to show that the late payment are not a good indicator of my actual credit worthiness.

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 2017-12-24
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent a deposit of {$3000.00} and {$2000.00} on XX/XX/XXXX from my bank to the company ( Coinbase ).  After a couple transactions ( buys, sells, withdrawals, and deposits ), I was left with a total of {$6200.00} in my account ( XXXX XXXX ) onXX/XX/XXXX. I then tried to withdraw some of my money, however I received a message saying " Before you will be able to complete this withdrawal, you must provide additional information at https : //www.coinbase.com/ssn ''. I emailed the support team about this, due to the fact that I was able to do transactions freely before. I sent the support team 3 emails on ( XXXX XXXX, and XXXX ), all with messages relating to my problem ( system wo n't accept the additional information needed, why ca n't I withdraw from my account, etc. ). These emails were sent 13, 11, and 9 days ago. I have not received any helpful responses ( just really general automated responses ), thus I can not withdraw the money I deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This account do not belong to me nor do I owe this known as XXXX XXXX XXXX, therefore I'm demanding that this account be removed/ blocked from my credit file immediately.

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 2018-09-12
Company: AES/PHEAA
State: SC
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:
XXXX has been non-compliant with removing the unverified account XXXX  XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Diversified Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Recently, I discovered the debt which was placed on my credit report of a XXXX debt that it was my understanding was paid by the XXXX insurance. I never received any correspondence to this debt prior to it being placed on my credit report. On Thursday, XX/XX/XXXX, I contacted the office of M. Leonard ad Associates regarding this matter. The XXXX XXXX, XXXX claimed that documentation was sent out of which I never received and that they provide 30 days for a response before adding to credit report. When I asked if there was a supervisor, I could speak with she stated her only supervisor would be the owner, XXXX XXXX, of which would not speak with me in regard to this matter. However, I believe to deny my right to respond by not providing validation of the medical bill  or that t was even in default due to the insurance not covering the cost is an unfair process. More specifically when no notification was received, and no record of documentation being sent has been provided or proven. Due to this current state of our economic system, unfortunately I am unable to pay on a medical bill of which M Leonard and Associates have attached on fees and interest which may be a direct violation of the consumer fair credit act. In order to recover payment that was covered by my insurance at the time of the accident in XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-09
Company: CORELOGIC INC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
The following inquiries are all on my credit report and were just noticed due to applying for a apartment. I do not have any knowledge of these inquiries and have also filed a report along with the Identity Theft .gov XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I first had a problem logging into my Chase business banking account on the XXXX of XXXX. A message appeared saying that I was locked out due to suspicious activity, and to call a number which I have tried several times. Each time, a recording said the wait time was longer than 50 minutes, no matter when I call. 

Meanwhile, automatic payments are being rejected, with each resulting in a {$34.00} fee. I can't stop them because I can't log in. This has resulted in several XXXX dollars of fees. I've had to stop depositing funds into this account because no matter what, Chase just takes my deposits for their own fees. 

I have not received any explanation as to what this suspicious activity was, nor an opportunity to review recent transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
please remove these are not mines. i never had these before. im a XXXX  worker this is hurting my employment. 

COMENITY BANK/LNBRYA COMENITYCAPITAL/XXXX COMENITY BANK/TORRID

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2022-09-22
Company: Experian Information Solutions 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 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 2015-04-08
Company: CAVALRY INVESTMENTS, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
They have XXXX collections that were dismissed with extreme prejudice from the courts and they have not removed it from my report. They continue to verify to the bureaus and have damaged my credit. If the collections were dismissed with extreme prejudice then they should not be on my report with any of the as it was not any fault of mine that they were even put on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: MS
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 XXXX Account # XXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is someone that has the same first, middle, and last name as me and lives about three hours away from me. I found this out when I was alerted to a debt collection on my credit report. The debt on the report was from XXXX XXXX XXXX XXXX and is being collected by the collection agency Account Resolution Corporation. I XXXX my name and found out that there is a woman with the same name that lives in XXXX, MO in her XXXX 's. I live in XXXX XXXXXXXX, MO and I am XXXX. We have different social security numbers, birthdays, addresses, etc. I called XXXX XXXX XXXX XXXX 's billing department on XX/XX/XXXX and talked to someone who admitted that the information did not match up with mine and they said that they would contact the collection agency. That did not satisfy me, so I disputed it online and then called the collection agency myself. The agency was very rude and told me that if I had identity theft I needed a police report or I needed to pay. It is not identity theft so how could I do that? They made the mistake and reported it on the wrong person. I called the billing center again and they told me that it was the same name, but not me as nothing else matched. I was told to wait until it was investigated and dropped off by the collection agency. It was confirmed that it was mine by them after I disputed it. THIS IS NOT ME. This company needs to be held accountable for negligence. In order to put collections on someone they should be required to match up ALL information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT
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:
This is my 3rd or 4th complaint against Capital One for the same exact issue. 

The company repeatedly denies my credit line increase requests, even though I have good credit, good income, and make all my payments on time. The letters they send DOES NOT provide a detailed explanation as to why ; the explanations are vague and provide little to no information as to why. When I call the company 's customer service to receive detailed information, they tell me that they can not help me and to read the letter explaining the credit line denial - even though I explain to them when we first start the call that 'm calling to receive specific information as to why I'm being denied a credit line increase. There is no detailed reason as to why I'm being denied a credit line increase ever provided. Even the companies previous responses to my prior complaints on the same issue are filled with no valid reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Credit Control, LLC
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:
Good evening, I recently paid a collection account in full on XX/XX/21. I proceeded to submit a dispute with all 3 bureaus to have the collection account removed from my credit report or my report updated to reflect showing paid in full. I received notification from XXXX  on XX/XX/21 indicating that my dispute yielded updated information, however the dispute did not accomplish my goal. That updated information indicated that as of XX/XX/21, my account was past due for the full balance remaining of {$1200.00} and remains an open collection. I want to file formal FCRA violation complaints against XXXX XXXX XXXX and Credit Control LLC. The former is the collection agency showing on my credit report and the latter is the company that is showing on my bank statement as receiving my payment. I have never entered into ANY contractual agreement with either company and a web search of both companies shows that they are separate entities with separate addresses, yet I dialed a single phone number to a single company ( XXXX XXXX XXXX. ). Please research my claim and inform these companies of their formal FCRA violation. There should be no reason why a debtor pays a debt in full yet the creditor reports false and/or inaccurate information to the credit bureaus after the debt has been paid in full.

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 2018-03-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo account ending in XXXX reflected a negative balance and was said to be closing due to fraud activity. Received notice via internal sysyem on Wellsfargo.com online banking account on XX/XX/XXXX at XXXX XXXX that the account would be closed as of XX/XX/XXXX. Account is still open. Was former receiving account for SSI XXXX direct deposit, but was switched to different payment method a week before account was to be closed. Wells Fargo still received my SSI deposit and will not release it back to the SSI department AFTER telling me they had no record of notifying me my account was to be closed. I need the money back I have to pay rent I'm already late on it because these greedy XXXX processed the deposit after they said the account was " closed '', but it's still open!

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 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX I did a settlement with these people and every month I get a delinquent notice I sent the paperwork that the court had discharged that and I to them and also the three credit bureau of nothing happens except each month my wife and I get a delinquent notice

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 2021-03-27
Company: CCS Financial Services, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received letter from collection company in XXXX, MA for a debt to original creditor liberty mutual for the sum of XXXX wrote cease and decide letter still getting correspondences.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: MARINER FINANCE, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
When trying to make monthly payments through the Mariner online portal the amount the system would allow you to pay was frozen which forced us to mail in payments through our online banking app. The payments were collected and the company still turned the account over for collections, followed by a lawsuit on the promissory note. This happened each month on the online application. The company would not allow you to just make XXXX payment if XXXX payments were due.

Company response to consumer: Closed with explanation