BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-01
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:
Since XX/XX/2020 i have been trying with the help of XXXX out credit restoration to dispute misinformation on my credit report. We have sent in multiple request and reports to XXXX, Equifax, XXXX. On multiple dates for the past XXXX  years i have submitted police reports, case numbers etc. i have also been notified of breaches and had credit monitioring services and done dispute after dispute and nothing has been removed that was negative from my credit reports. this has severely impacted my credit ratings and dropped my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
I am XXXX XXXX. I am not a 3rd party. I am who I say I am. This is my second time submitting a CFPB complaint and I am bothered that my complaints are being dismissed. I have been filing disputes with XXXX, XXXX  and Transunion since XX/XX/2021 and have not received information regarding their investigations. I have also filed an FTC report in regards to the inaccuracies being displayed on my credit 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 2018-02-16
Company: Harris & Harris, Ltd.
State: FL
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:
This Account is not mine I have been getting fraudulent activity on my account profile with creditors and it has been reported in the pass. Harris & Harris , Ltd is the collection office that added a negative account with my creditors. 

Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Monterey Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed charges for {$58.00} was deducted from my checking account I called Monterey Financials and told them thre was a misake and ask how they got my information. They told me I received the services of document preparation and they were the collegtion agency but could not tell me for what company. I put a stop payment and then XX/XX/2019 they started taking payments out of my account from XXXX, which is not filed with any XXXX. the contract should give you all the information you needs. 
XXXX XXXX XXXX XXXX XXXX, has never been registered under the Wyoming XXXX XXXX XXXX XXXX  XXXX XXXX, WY XXXX. I was support to get documents prepared through that company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX. This is a bank specifically for XXXX XXXX XXXX and has nothing to do with Montery Credit, XXXX of XXXX XXXX XXXX XXXX XXXX. I am adding the promissory note and disclosures Payment I agree to make payment t " us ''. the entire document is a joke.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
1. Capital One made an offer that promised to pay {$250.00}, if I deposit {$100000.00} into a new Money Market account and keep it there for 90 days.

2. I made a deposit of {$100000.00} on XX/XX/2018 and keep the money there for 3 months ; 3. On XX/XX/2018, I contacted Capital One regarding this offer ; 4. Online chatting representative told me I am not eligible for this offer because I had had another savings account with Capital One ; 5. I did not see such a restriction when I opened the account ; 6. I demanded to see the original marketing material and the agent was unable to provide.

7. I believe they are intentionally lying to avoid paying {$250.00} to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Responded to XXXX XXXX XXXX mail offer that if I pay a certain amount for a collections account, then theyll have the account be considered settled in full with the three credit reporting agencies, however, they did not meet their end of the agreement and the account shows on my credit reports as settled for less than the full amount not settled in full as promised. I will not speak to any of their rude employees who proceeded to harass me to pay more money even though the account should already be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My chase credit cars were closed, both Business and Consumer. 
I have never had a late payment, and Chase on the phone told me that for my safety and privacy, they can not tell me why. 
I went to a branch, where I was told that they have no information on this either, and are also not able to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit reporting, credit repair services, 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:
I am a XXXX-year-old veteran. I live in Arizona. I have a safe deposit box at a local Chase bank. The safe deposit box is free to me because of the problems Chase has had handling veteran 's issues in the past. I would like my son to be on the list to have access to my box if something should happen to me. My son lives in Texas. 

Today I was told by my local Chase bank representative that Chase has a policy that my son has to be present with me at the bank in order to sign the forms for access to the box. In the past, I could have sent the forms to him to fill out. He could get them notarized and send them back. A federal credit union near me has a small card I could send him if I had a box at their facility. My son could sign it and send it back. I do not have a safe deposit box at their facility because it would cost me money. 

Now, my son would have to fly to Arizona just to sign the card. It doesnt make sense to me and the Chase bank representative could not give me a good reason for it. 

Is there anything you can do to help me get the forms signed without having my son spend the money on a flight to XXXX just to sign the card?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Exeter Finance Corp.
State: WI
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:
Exeter finance has my credit reporting XXXX, and XX/XX/XXXX these dates are showing 30 days and 60 days late on my credit report. XXXX and XXXX haven't properly investigated my complaint because I have attached proof and they totally disregarded the proof I sent. Some of the late remarks were in deferment and I have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am writing to complaint about Citibank Card not refunding the full amount for my cancelled travel tickets. I have called bank several times and have been on the call for hours and hours now but still they refuse to provide me with the refund and keep saying some one will reach out. 

OnXX/XX/2020 I booked air travel ( Trip ID : XXXX ) using Citibanks Thankyou.com redeem points. The air travel was booked for my parents to travel from XXXX to XXXX forXX/XX/2020and returning on XX/XX/2020. I paid total of XXXX thank you point and {$700.00}. Due to Covid-19, I called Citibank on XXXX, XXXX XX/XX/2020 and asked them to change the travel dates to departing XXXX  on XX/XX/2020 and returning on XX/XX/2020 I asked the representative to confirm if there will be any additional charges for the same. I was told there will be no additional charges and changes were made. Than I called Citibank on XX/XX/2020to cancel the tickets and the representative confirmed that I will be getting full refund within next 14 BDs. So I cancelled the tickets on April 14th, 2020 and they finally provided a partial refund on XX/XX/2020. They took 4 months to provide me with a partial refund. For those 4 months I was on the call with Citibank for hours. Each time I call, representative is like it will take another 2 weeks to process the refund, please gives us a call after 2 weeks. Finally I saw a refund on XX/XX/2020 for XXXX thank you points and {$700.00}. So afterXX/XX/2020, I started calling them again to find out what happened to the remaining XXXX thank you points. Finally onXX/XX/2020, I was provided with the explanation and was told they have submitted the complaint and someone should be reaching out to me. Today is XX/XX/2020 and no one has reached out yet. The explanation provided to me was when I made changes to the ticket on XX/XX/2020, the fare of the ticket at that time was less than the original fare that I had paid. So finally on XX/XX/2020, when they refunded me the fare, they actually refunded what the fare was on XX/XX/2020 ( the date I made changes ) and not the full fare which I had paid for the original booking that I made onXX/XX/2020 In all this I am not sure what happened to XXXX thank you points when I was told I will be refunded fully. This is fraud and Citibank owes me full refund of XXXX additional thank you points.

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 2021-07-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent out a request to open an investigation to Equifax on XX/XX/2021 but never got a response. I then sent out a failure to respond letter on XX/XX/2021 and still got no response. Sent out a final letter on XX/XX/2021 and they finally responded on XX/XX/2021 but just updated everything. To my understanding they only have 30 business days to respond to my investigation and they failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
My case is part of the Wells Fargo auto insurance & repossing XXXX. My vehicle was repossed illegally. I chose not to pay the extra fees & my vehicle was sold. My vehicle was repossed in XXXX of XXXX. I have been unable to get another vehicle until very recently due to XXXX XXXXump sum payout. I believe I'm entitled to more than {$270.00}. I informed Wells Fargo that. They seem to believe the amount is sufficient. I would like your help to determine if I should get more under their remediation program before cashing the cashier 's check. My name is XXXX XXXX the account I'm referring to ends with the last four digits XXXX. I can be reached at XXXX XXXX XXXX XXXX XXXX also at XXXX XXXX XXXX XXXX as well as 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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. 

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 non-monetary relief
Consumer complaint received 2019-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Misleading Advertisement offering 0 % apr for 15 months on purchases. Sent an identical card that charges 25.74 % on purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i sent y initial dispute XX/XX/2021, i sent an additional dispute once i received a response from the credit bureau stating the debts have all been verified. I then proceeded to sending a 609 letter XX/XX/XXXX, in which i never gotten a response back from the Equifax buearu at all. It has been well over XXXX days. ( i have receipts ) All mail was delivered and recieved because i sent them all certified mail. This is in violation of us title 15 1692g and 1692e. I also just sent them my police report for identity theft. Please esculate this manner

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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: Investigation took more than 30 days

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/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 non-monetary relief
Consumer complaint received 2020-07-07
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:
XXXX XXXX  XXXX XXXX  XXXX ) I have sent 4 challenge letters to XXXX  , experian , and XXXX  . Each time they say that the account has been verified ... How can they verify that this account is reporting 100 % accurate if they are all reporting different information? they have not conducted full and proper investigations is the answer ... .I am attaching a copy of my report so that you can see all of the inaccuracies in the reporting ... first off the account # includes the letter L which in reading is a metro 2 violation. XXXX  is not reporting terms and the other 2 are. account status are different, high credit is different, the comments are way different ... 2 of the bureaus do not even have the comment that it is in dispute which is a clear violation. date of last active are all different, date of last payment are all different and the 2 year payment history is totally different ... XXXX  is reporting ok, experian is reporting a new charge off every month which is killing my score and XXXX  is reporting nothing

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 2018-09-22
Company: Security Credit Services, LLC
State: TN
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:
This is compliant is about about the unscrupulous collection practices of SECURITY CREDIT SERVICES reporting collection entries on my XXXX, XXXX, and XXXX credit reports for a debt that I repeatedly contended was not opened by me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), SECURITY CREDIT SERVICES is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for all collection accounts on file both via phone and via my previous compliant to the credit bureaus who then contacted SECURITY CREDIT SERVICES collection agency, but still have yet to receive this information. 
SECURITY CREDIT SERVICES ' failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and clearly they are unable to provide me or the collection agency a copy of verifiable proof. It has been longer than 30 days since my original request and therefore I demand that all collection attempts cease and I demand that all negative entries be REMOVED from my credit reports immediately. I will avail myself of remedies available under the law if this entry remains or this alleged debt is sold to another collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXXXXXX XXXX  XXXX ) I have sent 4 challenge letters to XXXX  XXXX XXXX  XXXX and equifax  XXXX Each time they say that the account has been verified ... How can they verify that this account is reporting 100 % accurate if they are all reporting different information? they have not conducted full and proper investigations is the answer ... .I am attaching a copy of my report so that you can see all of the inaccuracies in the reporting ... first off the account # includes the letter L which in reading is a metro 2 violation. equifax is not reporting terms and the other 2 are. account status are different, high credit is different, the comments are way different ... 2 of the bureaus do not even have the comment that it is in dispute which is a clear violation. date of last active are all different, date of last payment are all different and the 2 year payment history is totally different ... equifax is reporting ok, XXXX  is reporting a new charge off every month which is killing my score and XXXX  is reporting nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: SYNCHRONY FINANCIAL
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: Problem with personal statement of dispute

Complaint:
I am in the middle of repairing my credit and I noticed a second inquiry on my report. I did not initiate this inquiry. I know what my scores are and I would have known that applying anywhere would have gotten me nowhere resulting in unnecessary inquiries. The only valid inquiry is for XXXX XXXX SECURED card where I had to place a deposit in order to get approved. I have sent two letters requesting to have the inquiry removed and the company has not complied. They only mailed me one letter stating they confirmed the information from my credit report. They have failed to provide me my original signature and they did not have permissible purpose whatsoever. I am attaching copies of all the certified mail, return receipts, their one and only response, a copy of my FRAUD alert to the bureaus and a copy of a letter  sent to XXXX. I want this false inquiry removed from my reports 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 2021-07-06
Company: Capio Partners, LLC
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:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, a letter was sent to this company demanding verifiable information proving that this account belongs to me. This corporation did not send me any paperwork or information that would allow me to confirm that these accounts are mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
someone changed my account password without my consent. coinbase has locked me out of my account. they will not respond to any emails or advise if money has been taken out. I have {$13000.00} in this account it has been several hours. there is no way to speak with a live person. it appears this is a common practice with coinbase. I'm nervous that someone hacked my account. 
my case number are : XXXX and XXXX can someone help me.

Company response to consumer: Closed with monetary relief