BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 credit bureaus are reporting erroneous information on my credit file.

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 2017-12-21
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase XXXX # XXXX Coinbase / XXXX have suspended my account due to a return payment. 

I selected the wrong payment type and subsequently canceled the payment cause of insufficient bank funds. 

So Coinbase XXXX has locked up all my fiat and cryptocurrency. I 'm unable to log into XXXX, which is where all my funds are. I 'm unable to withdrawal funds, which I was planning to use for some of my bills. They have XXXX of my yearly salary locked up in their system, and I ca n't even see my balance. Very Scary to me! At this point I 'm scared they may have stolen the funds. 

My attached email is dated XXXX XXXX, but I 've been trying to get this resolved for 2 weeks now ( I 've had more than one case # ). The email says something about verifying identification, which I had already done when I opened the account. The rep I spoke to on the phone said I should wait to hear back before resubmitting my ID. CoinbaseXXXX ID verification system is broken also, making this task seemingly impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
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:
On XX/XX/XXXX, my wife and I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, TX. We choose to finance through the dealership. Upon selecting the vehicle, agreeing on a price and beginning the process of purchasing, we were required to sign a document authorizing them to run a hard credit check. At this time and before signing the document I verbally confirmed with the salesman ( XXXX ) and the finance manager ( XXXX XXXX ) with XXXX XXXX that my credit report would only reflect one ( 1 ) hard inquiry. Both confirmed that there would only be one ( 1 ) hard inquiry. XXXX XXXX XXXX took an audio recording of the conversation which should confirm this statement. On XX/XX/XXXX, after the purchase was completed, I noticed on XXXX XXXX that I had received three ( 3 ) hard inquiries from this transaction. According to the XXXX details shown on this service, the three ( 3 ) hard inquiries were from the following vendors : 1. XXXX XXXX ( XX/XX/XXXX ) 2.  XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) Upon noticing this, I contacted XXXX XXXX XXXX with XXXX XXXX to attempt to resolve this without filing a formal complaint on the following dates : 1. XX/XX/XXXX - Phone call - left a voice message 2. XX/XX/XXXX - Email to XXXX XXXX 3. XX/XX/XXXX - Email to XXXX XXXX To date, neither XXXX XXXX XXXX nor any other employee with XXXX XXXX has returned my calls or emails to fix this issue. The contact information for XXXX XXXX is as follows : - Phone : XXXX - Direct ( XXXX XXXX ) :  XXXX - Email : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
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: Account information incorrect

Complaint:
I have in my credit a 30 day late in XX/XX/2019 XXXX ACCOUNT # XXXX.I already dispute and nothing happen.The information is incorrect .Im not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My Credit card, BEST BUY VISA. payments are due on XXXX of each month. I asked them to change the date to the begining of the following month because the XXXX falls close to the week end and sometimes it is difficult for me to get the money to pay at that time and there is usually a week end following that makes me Pay 1 or 2 days late. I drive to the Best Buy business to pay. They refused. The bill with due date XX/XX/19 fell on Monday, XXXX XXXX holiday, I paid it next day, Tuesday XX/XX/XXXX. On the next bill, they charged me {$27.00} late fee. I phoned and they said that I had already had a previous late fee removed and they can not remove this. I reminded them about the problem I have with the due date so close to the month end and asked them to extend the due date and they refused to do that and to exonerate the late fee. The next bill due on XX/XX/19,  Thursday, was paid on Monday, XX/XX/XXXX. I was charged {$32.00} late fee. Again they refused to remove the late fees. I I told her that the fees for such a short time is excessive. I asked her to send me the ruling of the late fees charges and she can not find the regulations, maybe if I go to the web site to see if it is there. I said that I am not computer literate to maneuver their web site. So, we are at a stand still which I hope you can help solve this issue. Thanks for your help.

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 2019-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello, While I am thankful and grateful that Capital one gave me the chance to rebuild my credit with limited credit history I feel like the issue I am writing about is something that should have been handled better by capital one. 

My statement billing date up until recently was the XXXX of every Month. On XX/XX/XXXX I received an email from capital one stating my payment due date will be changed to XX/XX/XXXX. So Im sitting there waiting and waiting for my XXXX statement to print out so I would know how much to pay and nothing was sent. I called capital one 4 separate times asking them when my new billing cycle date would be and each time they told me their systems were still upgrading and I would receive something in the mail. Till this date I have not receive anything in the mail in regards to my new billing cycle close date or anything regarding to my new due date. I get an email XX/XX/XXXX telling me my XXXX statement was generated and I would have to pay XXXX dollars by XX/XX/XXXX. This information was not relayed to me via any email or any correspondence by Capital one which will now cause a large Credit utilization to report to the credit bureaus and will cause a negative impact on my credit score. If was able to know what date the billing cycle closes I would have been able to better manage my payments and my overall capital one account. Highly anger about the matter and would like my account to be reviewed for a resolution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: FORD MOTOR CREDIT CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
To my knowledge, I was never late on my Ford Motor Credit auto lease with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX which is not true. I have had this lease since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have tried to even pay way before my due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have constantly contacted XXXX  with concerns regarding accounts : XXXX XXXX XXXX  {$530.00} XXXX XXXX XXXX  {$1600.00} XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX {$150.00} Southwest Credit Systems {$100.00} XXXX XXXX XXXX {$200.00} XXXX  with XXXX XXXX XXXX advised I would need to contact the police department and FTC  regarding identity theft. They refuse to investigate as they should. They send the same generic dispute results and it is disgusting at this point. XXXX also confirmed my report can be accessed without my authorization causing unauthorized inquiries and there's nothing I can do about it besides report it to FTC  and make a police report. 

XXXX advised they have an electronic system and communicate with the agencies and if matches their records it is verified. They are unable to submit to me the results of their investigation besides the generic language. 

To zoom in on an issue, Southwest Credit Systems have sent me a bill and have yet to show this is my debt. XXXX the original creditor, has first used XXXX XXXX, then XXXX XXXX now Southwest Credit Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
SOCIAL SECURITY ADMIN XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-04-11
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a public record investigation request to LexisNexis XX/XX/2019. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Commercial Acceptance Company
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was not aware of this debt until I got a notification on my credit report, I never received anything in the mail/a phone call until after it was reported to my credit. Very rude representatives, constantly calling and harassing me about a debt I should not owe ( insurance information was given to pay ambulance bill ). When I spoke to them they expected a full payment of over {$1100.00} and were very rude to me when I told them I was young and didnt understand and was confused, and proceeded to threaten that they could keep me from being able to finance anything in the future as they would damage my creditors ( home, car, etc ). Now I have received a letter in the mail that Ive been ignoring them and if I dont pay within 5 days they will take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: JPMORGAN CHASE & CO.
State: NJ
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:
To my knowledge, I was never late on my Chase credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/2018 which is not true. I have had this credit card since XX/XX/2018 with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I have a XXXX lateness on my account from XXXX to XXXX. The issue I have with capitalone was that I was not notified of my outstanding balance on this account. The only reason I got to it 60 days late was that I decided to log in to capitalone 's online website and saw that there was a balance. I immediately set up payment arrangement for XXXX, XXXX and XXXX and paid off the balance. Normally I get notified through text or email which I had previously set up in the online alerts section of their website but because of an error in their system I did n't receive those alerts. Because of the error I disputed the lateness with capitalone. After going back and forth with them several times through letters I wrote the company they still have not complied with my request. I have had this account open and in good standing for almost 5 years now and have never once missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is my SECOND COMPLAINT. I received no response to the original. My name is XXXX XXXX. My mother 's name is XXXX XXXX. We lived at the same address for some time. Her social security number has 3 digits different from mine. I submitted a dispute to the credit bureaus to have her information removed from my file. I sent them a detailed cover page with the name differences and her addresses vs. mine ( attached ). I also sent a copy of her bankruptcy filing, schedules and listing of credit items that were HERS and in HER bankruptcy. They did absolutely nothing with it. I understand there is some rule used by the bureaus that if an address is on more than one or two items, they do n't remove it..the same with names that are on the file. But this is MY MOTHER 'S  information. I would like for CFPB to use this in your published articles. Credit Bureaus should not be allowed to simply say : " These companies say this is yours so tough ''. The Bankruptcy and the following accounts were included. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. I have included her bankruptcy schedules showing these items discharged in HER BANKRUPTCY ... but I also sent this to the bureaus and they ignored it. This would be a very good issue to publish as it details the problems with information getting mixed up on family files.

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 2020-05-17
Company: Bread Financial Holdings, Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I live in NY ground zero for the Corona Virus have been shut down since XX/XX/2019, have never paid this credit card late or have I missed a payment ever on this card. This credit card company would always call me if I was 1 day late or if anything was wrong with this card. I found out through my credit monitoring service that this company report me with a 30day late during the cover pandemic. I immediately tried calling the company with no luck waited long period of time due to covid. I tried again and after waiting on hold and transferred to different departments they finally got me thru I asked them to remove this late payment and the representative told me I had to do it thru my my credit bureaus. I need this late payment to be removed immediately as I was not late and if I was late its not my fault its covid government shut down. They need to take my excellent payment history into account and understand we are under a pandemic.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-15
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Jefferson Capital appeared as on my reports today. XXXX XXXX was reported back in 2021 as a Fraud account and removed from my credit reports. Today Jefferson Capital placed a collection on my reports which lowered my score XXXX points. I owe no collections and my reports are perfect. This account is Fraudulent as reported in 2021. Jefferson Capital has 5 days to remove this from my credit bureau reports or I will file civil action for collecting a debit not owed and that has been previously reported as fraudulent. 

It is a Violation of Fair Debt collection practice act to collect on a debt that has been previously reported as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
An account is being reported incorrectly on my report. It is through XXXX XXXX XXXX, a Collections Agency, account number XXXX. The collection was originally through a lender called XXXX. The reference number at XXXX XXXX XXXX for this issue is XXXX. This account has been CLOSED with a PAID IN FULL status since XX/XX/2016. However, this information has been incorrectly reported by all three bureaus. XXXX XXXX XXXX and all three bureaus have been contacted about this issue multiple times, but nobody is any help. I have a correspondence from XXXX XXXX XXXX, verifying that I am correct that the account is in fact Closed and Paid in Full. But it isnt reported that way. XXXX reports the item as Open and active in collections. XXXX reports the item as a Charge Off, meaning that I still owe money for the account. Equifax still shows the account as Open in collections. This account should not be displayed as Active or Open in collections. It should be Closed. I should have zero accounts active or open in collections. It should be displayed as Paid In Full, not as a Charge Off. I am trying to refinance my mortgage and this issue is causing me undue financial stress. I do not want to have to file suit under the Fair Credit Reporting Act but its at the point I may have to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 disputed accounts and the the accounts came back as verified. When I tried to dispute the information again due to it being correct I was informed that I could not dispute it because it had been verified.

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 2020-11-18
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
From XXXX - XX/XX/2020 my husband was out of work due to COVID 19 and my family was facing economic hardship. I became past due on my 2 Comenity credit card accounts with XXXX XXXX XXXX and XXXX XXXX XXXX. I made a payment as soon as possible and have since caught up and nearly paid off the accounts. It was my error for not calling ahead of time but I was ashamed and not in a good place that I could not pay even some of our small bills. 

After I was in better shape, I called Comenity bank and they told me to put the request in writing based on economic hardship due to COVID-19 that I was requesting a goodwill deletion of the late payments on each account for XX/XX/XXXX. I did write such a letter to them ( see attachment ) and it was sent on XX/XX/XXXX. 

I worked with THREE other credit card companies and each of them provided the goodwill assistance and deletions/not reported to the late payments I incurred due to COVID 19. 

I received a letter from XXXX XXXX in the compliance department of Comenity dated XX/XX/XXXX that basically I was out of luck, too bad. They would not provide any goodwill due to my COVID hardship. 

I find this devastating to my credit, and sad that a company such as Comenity can not provide a goodwill adjustment during the difficult pandemic time when many other companies are doing so.

Company response to consumer: Closed with explanation