BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have received hundreds of calls from this company, despite being on the Do Not Call Registry. I waited for the representative to appear on the line and I asked for the name of the company ( Cardmember Services ) and its main phone number ( XXXX ). This is, I understand, a Capital One solicitation,. CONSTANT CALLS TO SAY I OWE MONEY, I HAVE BEEN IN THERE PAYMENT PROTECTION PLAN FOR MONTHS EVEN HAVE THE STATEMENTS TO PROVE WHERE THE PAYMENTS HAVE BEEN MADE. CANT WAIT UNTIL I CAN GET RID OF THEM. IF THEY KEEP CALLING I WILL HAVE NO CHOICE BUT TO SUE FOR HARASSMENT AND UNDO XXXX THIS IS CAUSING ME..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Verisk Analytics Inc
State: TX
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 asked the company to provide the name, address, and telephone number of each person contacted regarding this alleged account ( Bankruptcy ). I requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to this account ( Bankruptcy ). The company continues to tell me the item is verified by public records. They are purchasing public information from a third party and can not verify that the information is accurate with the actual furnisher of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: EQUIFAX, 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:
the letter attached specifically states that my XXXX XXXX XXXX accounts number XXXX, has not late payment, XXXX XXXX XXXX has changed this inaccuracy by sending me this letter, but for some reason the credit bureaus have not update and they are not updating this inaccuracy, this is the only negative shows on my credit file, and it is absolutely inaccurate, i will be attaching the letter which i have received from XXXX XXXX XXXX. please help me to have this inaccuracy removed from my all three credit reporting agency thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: M&T BANK CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
M & T Bank admitted to discrimination thru adverse action on a consumer extension of credit, adverse to my interests after I exercised my rights in good faith, this action is unlawful as it is unlawful for any creditor to discriminate against any applicant with respect to any credit transaction. I exercised my Right to credit protected by laws that Congress has set into place 12 CFR 1002.7 to protect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX XXXX 2017 I opened an account with Coinbase and bought bitcoins through them. I bought {$120.00} in bitcoin and {$50.00} each of the other two coins, then about 3 days later I got an email saying they were shutting down my account and when I go to withdrawl my funds form the account its says I have XXXX money with them but they generated a transaction record saying otherwise. They money was also taken out of my bank account so I know they have it and it is not pending. I have sent them numerous messages and have called them and have been on hold for 2 days, they will not pick up or respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX has violated XXXX XXXX XXXX by continuing collection activity after a cease and desist and XXXX XXXX XXXX by failing to report complete and accurate information to credit reporting bureaus.

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 2018-02-07
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I demand verifiable proof ( an original Contract with my signature on it ) verifying the account was late in payments. They were never able to show physical proof of that, because I always had my payments made thru my checking account and on time.

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 2021-03-06
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 is missing that should be on the report

Complaint:
Even though Ive paid off all my loan and credit card balances Experian is refusing to update my credit score. In fact theyve lowered it to a poor rating.Also Experian has addressed for me listed in Denver although Ive never lived in Denver in my entire life. Experian refuses to remove it

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 2021-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Reporting to consumer reporting agency negative information for 6 years after account was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
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 belongs to someone else

Complaint:
The following accounts are fraudulent XXXX XXXX {$130.00} XXXX XXXX {$1400.00} XXXX   {$200.00} XXXX {$200.00} XXXX XXXX {$550.00}

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 non-monetary relief
Consumer complaint received 2020-09-15
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My complaint is against XXXX XXXX, and Experian for incorrect information on my credit report. I had a debt with U.S. Department. of Veterans Affairs that was never put in collection that  was paid in full. I contacted U.S. Department of Veterans Affairs on  XXXX XXXX, 2020, and asked why did they report a charge off on my credit report with XXXX XXXX, and Experian U.S. Dept. of Vets Affairs said they only reported paid in full they never told  XXXX to enter a charge off on your credit report, in fact they never say charge off only paid in full. XXXX XXXX, and Experian how many Veterans have you done this to without the permission of U.S. Dept. of Vets Affairs it seem we have an big problem here. What I need for XXXX XXXX, and Experian to do is remove the charge off from my credit report and put my credit score where it supposed to be expeditiously or I will be force to legal action against XXXX XXXX, and Experian.

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 2019-04-30
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019, I received an email from Robinhood.com saying that my account has been closed. I reached out to understand why. Today on XX/XX/XXXX, I received a response saying that an ACAT transfer was initiated and my account was closed accordingly. I immediately responded asking them to stop the transfer. I sent many more requests to stop the transfer. I am attaching a rough timeline of actions to this complaint. 

My account currently has ~ $ XXXX in securities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX XXXX, has a charge off account reporting on my credit profile negative, I have never had an account with this company. They have refuse to respond to my debt validation letter, and proof of claim

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I filled out a dispute with TransUnion, XXXX and XXXX. Transunion did not remove the inquiries and I provided my report for stolen identity/fraud and two bankruptcies that are listed that are a mistaken identity. XXXX and XXXX removed the bankruptcies and inquiries and TransUnion has refused to for the past 3 months. I called after they would not remove the items to ask why and to ask for them to send me the name of the person they verified the information with and I was told I could not receive the information. I am a victim of ID theft and provided the proper information and I am filing a complaint due to the credit bureau not acting according to the Fair Credit Reporting Act. I request that the following inquires and bankruptcies be removed from my account immediately or the bureau provide me with a copy of the credit application, showing my signature authorizing the creditor to access my credit. 
Inquiries : 1. XXXX inquiry XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX   XXXX XX/XX/XXXX 5. XXXX-XX/XX/XXXX 6. XXXX-XX/XX/XXXX 7. XXXX XXXX-XX/XX/XXXX 8.  XXXX XXXX-XX/XX/XXXX 9. XXXX XXXX-XX/XX/XXXX and XX/XX/XXXX 10. XXXX XXXX-XX/XX/XXXX 11.  XXXX-XX/XX/XXXX 12. XXXX ToXXXX XXXX-XX/XX/XXXX 13. XXXX XXXX-XX/XX/XXXX 14. XXXX XXXX-XX/XX/XXXX 15. XXXX-XX/XX/XXXX 16. XXXX XXXX-XX/XX/XXXX17. XXXX XXXX-XX/XX/XXXX 18.  XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX 19. XXXX XXXX-1XX/XX/XXXX 20. XXXX XXXX-XX/XX/XXXX 21. XXXX XXXX    XXXX-XX/XX/XXXX 22.XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX 23. XXXX-10XX/XX/XXXX 24. XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX 25. XXXX- XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Accounts : 1. Bankruptcy-ref XXXX-XX/XX/XXXX 2. Bankruptcy-ref XXXX-XX/XX/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 2021-09-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
To whom it may concern, On XX/XX/XXXX night time, and in the early hours of the XX/XX/XXXX, my credit card was stolen. I called on XX/XX/XXXX to report to Chase ( as the department is closed on weekends and only open from XXXX to XXXX EST ). I informed them of the fraudulent charges, and requested a new card. The charges were removed from my statement, and I was sent a new card. 

3 weeks later, in the beginning of XXXX, the charges were re-instated. I was surprised so I called back ( again on the next day, as the fraud department is only open until XXXX ), and the agent stated that the charges were determined to be " valid ''. This is not possible as I had already stated that the card was stolen. So, I opened another fraud case. I was told that this may take 10-15 days to resolve. My statement date is prior to the 10 days. I informed them of this, and they asked me to partially pay the payment! That is ridiculous. The charges are for numerous purchases that are typical of stolen cards : multiple XX/XX/11 's, convenience stores, XXXX XXXX, etc. These all took place in the middle of the night. I was staying at a hotel that night, and was already in bed. I can provide proof of my hotel stay if needed. I'm sure the hotel has footage of me returning into the lobby as well. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was settled and paif through XXXX XXXX and it still remains on my credit report. I would like it taken off of all 3 credit reporting bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We moved out of the XXXX XXXX XXXX at the end of a one year lease XX/XX/XXXX. I lived in a different apartment at the same complex prior to the new lease dated XX/XX/XXXX. 
XX/XX/XXXX : A two month written notice and a verbal notice given. All debts incurred for the apartment paid as they came due. 
There is a report at the credit bureau dated XX/XX/XXXX showing a debt of {$3.00}, XXXX. A discrepancy was filed twice with XXXX. 
I received a letter from XXXX XXXX XXXX XX/XX/XXXX regarding the discrepancy. A letter was faxed with a copy of the XX/XX/XXXX vacating letter in response to the creditor advising the debt is n't owed. 
Hunter Warfield sent a notice that the company would speak with XXXX XXXX XXXX but no response. 
The credit report shows I now owe {$3.00}, XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and noone was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
There are alledge accounts on my credit report for which I do not recognize. Pursuant FCRA 623 I am demanding they are removed XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XXXX  XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/21 I made two XXXX  XXXX  payments to two DIFFERENT people, two DIFFERENT names, same amount ( {$100.00} ). On XX/XX/21 I noticed one of the transactions was dropped, and {$100.00} added back to the account. I IMMEDIATELY called Bank of America. They insisted XXXX XXXX had done this. Contacted XXXX XXXX they stated they had not. Called B of A EVERDAY. contacted XXXX XXXX EVERYDAY, finally placing a so payment on XX/XX/21. Suddenly BofA PAYS, sending me an email ( same day ) saying it takes 3 days for stop payment. Adding insult to injury. BofA now says ( XX/XX/21 ), " oh yeah, it WAS us that canceled the payment because it LOOKED like a duplicate. Sorry if you were given the incorrect information ''. Did I mention the transactions had two DIFFERENT names??? Why wasn't I contacted, asked, prior to then deciding what was going on with MY monies. Now I'm in arrears. They kept insisting it was a XXXX XXXX problem, when it was a BofA problem. What Is a consumer left to do??

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 2021-04-23
Company: The Outsource Group, Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021 I received phones calls about an attempt to collect an alleged debt. I have asked them to stop calling.

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 2020-05-04
Company: Verisk Analytics Inc
State: TX
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 asked the company to provide the name, address, and telephone number of each person contacted regarding this alleged account ( Bankruptcy ). I requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to this account ( Bankruptcy ). The company continues to tell me the item is verified by public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account is listed as being opened and late as of XX/XX/2020 which is completely incorrect. This account is from years ago and that needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Purchased a Mastercard gift card from XXXX on XX/XX/XXXX. When attempting to use card in XX/XX/XXXX was found to have {$13.00}. Investigating I found out that this card was registered to somebody else on the website. I called the prepaid debit disputes at XXXX ( XXXX ) XXXX they sent me a form " cardholder statement of disputed transaction '' to fill out and fax back within 30 days. I filled out the form and faxed it back to the number provided on XX/XX/XXXX. In XX/XX/XXXX after not hearing anything for a long time I recalled the dispute center and was informed that they did not receive a response from me. I informed them that I did respond practically immediately to there request and that I still had the from. I was then told to refax the form which I did. I have now received a letter from them saying that they can not they will not assist me due to the fact they did not get notification within 120 days of the purchase. I did everything in a timely matter and they did nothing. The dispute case number is XXXX. The debit card number is XXXX expiration date XX/XX/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 monetary relief
Consumer complaint received 2021-09-14
Company: Experian Information Solutions 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:
Experian Credit Reporting does not investigate according to law. If you file a dispute, a few hours later the dispute is finished and nothing changes on the report. 
The following negative collection is on my credit, but the reporting company XXXX, does not have this account, and Experian will not fix it. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$2300.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Paid off : 0 % Balance on XX/XX/XXXX Original balance {$2300.00} {$2300.00} Payment Info Original balance {$2300.00} Balance {$2300.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements- Contact 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 2020-05-04
Company: AMERICAN ADVISORS GROUP
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019 I noticed that they increased my interest rate to 5.25 % and then in XXXX it was increased to 5.65 % I contacted the company I called them regarding the interest rate on my reverse mortgage. The increase rate has increased quarterly, while the interest rate at other banks have dropped. I also took out money from the loan and I was told that an interest rate would not apply to that amount. In reality, American Advisors Group applies a high interest rate on this amount each time I withdraw from the reserve.

Company response to consumer: Closed with explanation