BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-30
Company: Convergence Acquisitions, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I spoke to XXXX XXXX  and advised of identity theft-fraud on this account in writing years ago. Also spoke to Convergence Receivable LLC and advise of identity theft in writing as well..I advised the other Law office this is not my debt. Now I am being garnished by XXXX XXXX XXXX XXXX XXXX XXXX for debt that is not mine. I did speak to the representative at XXXX XXXX XXXX, XXXXand advise him this was not my debt. He responded by advising me that my information was not the same information listed on the account. Attach is a copy of the FTC identity theft affidavit. Please cease all legal action and close this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: FIRST NATIONAL BANK OF OMAHA
State: IN
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 made a payment on XX/XX/2018 of XXXX dollars. When I submitted the payment the screen went blank I didn't get a confirmation number and didn't think much of it at the time. About 2 or 3 weeks later I got a letter saying my account was closed due to failure to pay the same day I was getting phone calls from a number I didn't know. These calls would leave a blank message and would happen 8 to 12 times a day. I answer one and was told my account was past due and that a payment needed made. I told the lady that I already made a payment and i didn't understand why my account was closed. She told me to send the bank statement with proof that I paid. I went online and printed out a payment made to them by my bank on XX/XX/XXXX. I sent it with a letter saying to fix it and to stop calling me. The calls dwindled off about XX/XX/XXXX with only 3 being made with blank messages. I then got a letter saying the would do some more research into the information I provided them. I then got a letter saying that they needed a 15 digit number from my bank. I went to my bank and asked them about it and the lady at the counter looked at me dumbfounded and said she never heard of such a thing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
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 orignal account was paid and agreed to be removed from my credit reports. when disputed with XXXX and XXXX,,, this account was removed from my account,,, however,,, XXXX continued to continue reporting this as accurate information even though i had disputed correctly and given documents of proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: JPMORGAN CHASE & CO.
State: CA
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 have been trying to take advantage of the 5 % back on travel booked through Chase XXXX ultimate rewards with their Chase Freedom credit card. The charge for travel was made by me on XXXX XXXX XXXX  through their Chase XXXX website, and only earned XXXX XXXX points. After calling the appropriate customer service number and speaking to representatives several times over the course of XXXX months, they finally issued me a paper statement that indicated I would be given the missing XXXX XXXX points on either the XXXX or XXXX statement. After checking my account in XXXX, nothing has happened yet, and when I called again the representative told me that nothing indicated that the issues was addressed or resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Experian Information Solutions Inc.
State: CA
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  ACCT XXXX {$1000.00} is reported as a Charge Off. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the agency, rather than investigating, they toss the issue back to the agency who then continues to report erroneous information.

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 2023-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Other problem

Complaint:
I kept my account up to date and I have a letter received from capitol one about my account and have over paid the minimum payment that they required and now that its time for capitol one to honor the letter of their agreement they refuse to issue me a new card and lift the restrictions that they offered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Credit card with CitiBank. 
My card and cell phone were stolen on XX/XX/XXXX, after using a cash advance for {$100.00} at an ATM. I called Citi to report my card as stolen and noticed there were multiple fraudulent charges. I have had multiple phone calls with them, as originally they did not submit all of my transactions that were fraudulent under a dispute. Now they closed my case saying that the charges were valid because the chip reader was used ( despite my saying that the card was stolen and not in my possession ), and refuse to reopen the case, nor send me a copy of my calls where they state I said I had my old credit card in my possession.

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 2022-01-22
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: NC
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/23 I called American Express at XXXXXXXX XXXX Call duration was XXXX, XXXX minutes and XXXX seconds. Please look up the call transcript, and listen to it. Why did the agent say that they would call me back after reaching out to the right department about reinstatement of the account? Why was I never called? Why do I have no missed calls or voicemails? Why when I called the following day to request the call records be looked at and find out the agent I spoke to, I was not informed of the agent? Was it the same agent XXXX days in a row? I was misled into closing my account. I requested not closing it/re-opening it within XXXX minutes of the agent closing it earlier through live chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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  ACCT # XXXX is trying to collect on an unknown debt in the amount of {$1000.00} dated XX/XX/2015. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.

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 2020-12-16
Company: Synovus Bank
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
3 separate phone calls and documents sent to company explination below. 
Letter I wrote First Progressive : XXXX  XXXX XXXX XXXX XXXX, TN XXXX I am writing to request a review of a dispute filed XX/XX/XXXX. Case No XXXX was for a dispute in the amount of [ {$340.00} ] dated XX/XX/XXXX on my account. The amount was found to be accurate because letter dated XX/XX/XXXX, ( No billing error occurred ) and I am responsible for the disputed fraudulent charges. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 
A credit was issued and then re-charged on my account. Even after I had called to reopen the disputed charges. Under the FCBA I can only be charged XXXX. I am in no way okay with saying due to a family relationship it is okay to call these valid charges. If in-fact you want to arbitrate this matter I am absolutely willing to do this. I have also filed a complaint with the federal Trade Commission as I informed the Dispute department I was going to since the ruling was not favorable for the theft on my account. 
Enclosed is a copy of the police report filed which had also been faxed to XXXX on XX/XX/XXXX as requested on XX/XX/XXXX when I called to ask the file be reopened. I spoke with a XXXX in Fraud/disputes who could not give me an employee ID number or any other information on her position. 
Today when I waited 1hour and 30 minutes for the dispute department to pick up I finally hung up and called back to customer service and got a supervisor XXXX who was able to connect me to disputes right away. XXXX in Disputes was told all of this and then came back on the line and said due to the perpetrator being related I am responsible. I believe it was my daughter who is XXXX years old who committed this act. I do not believe the credit act allows for people to be charged solely because of relationship. 
Copies of my original signed disputed transaction form signed XX/XX/XXXX, for total amount listed above to supporting my position. I also included some of the other proofs of theft on my other bank cards for your review. Please investigate this matter and correct the error as soon as possible. 
Police report # XXXX XXXX XXXX XXXX XXXX  disputed forms-amounts and case No. XXXX and XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: Santander Consumer USA Holdings Inc.
State: AL
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:
Consumer USA. After making a bulk payment of {$1300.00}, I asked that the extra amount be applied to principal on the loan. On proceeding bulk payments I continued to ask that extra monies be applied to principal. On more than one payment they continued to allow their system to deprive me of eliminating all principal. I was informed that if I paid all principal on the account I could work something out on fees that I owed. I took the information as legitimate. I would have paid remaining fees and not received a thirty day late on my credit report. For the full length of my loan I received routine courtesy calls. After I made what I thought was my final principal payment, I received no further courtesy calls. I inferred that what I was told about fees not being a part of the regular payment process as being true. My complaints are that I was given false information by a Santander representative, Santander no longer gave me courtesy calls stated on my billing statement and finally, Santander failed to apply my bulk payments to principal as I requested. This poor business practice has left a drastic impact on my credit. They caused my credit score to drop 60 to 70 points across all credit bureaus. All this occurred when I was in the process of refinancing a home. I have no other late payments on my credit report. Once my credit score dropped and the late payment showed up, some creditors lowered my credit limits. Lower credit limits further impacted my credit score. Santander will not acknowledge flaws in their payment system nor will they acknowledge errors made by their employees. I humbly ask for your assistance in rectifying this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Through the XXXX app version of Coinbase I bought one XXXX for the price of {$84.00} XXXX on XXXX/XXXX/XXXX. I emailed Coinbase asking about the charge ( my memory lapsed and I had forgotten what the charge was for since it took a while ) and asked for more information. They placed a hold on my account in case of unauthorized access and I went through new passwords, two-step verification answered their questions about my account. I verified my account was safe and let Coinbase know I resolved the dilemma. Since XXXX/XXXX/XXXX I have been waiting for my account to be unfrozen and to receive the XXXX. I emailed again on XXXX/XXXX/XXXX asking for an update and help resolving, and then again on XXXX/XXXX/XXXX. I went through another email to receive help from Coinbase support through a email portal through their website on XXXX/XXXX/XXXX and that has yielded no results either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XX/XX/XXXX XXXX Experian XXXX XXXX XXXX XXXX, XXXX Re XXXX Letter to Remove Inaccurate Credit Information. 

To whom it may concern : Ive recently received a copy of my consumer report, and noticed that you Experian are reporting inaccurate and incomplete information. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting.15 USC 1681 ( a ) ( 1 ) also states inaccurate credit reports directly impairs the efficiency of the banking system.You Experian are in clear violation and I'm requesting for you to not only investigate but to verify that all data for the listed accounts are reporting accurately including every notation date and balance reported or not. 

XXXX - SXXXX XXXX XXXX has 2 on time payments reporting for the months of XXXX and XX/XX/XXXX with, 1 ( 30 ) day late payment for the month of XX/XX/XXXX with the status for the account showing paid with no other payment history. 

XXXX- XXXX XXXX hs has 2 on time payments reporting for the month of XXXX and XXXX of XXXX, with XXXX, XXXX and XXXX reporting as late payments. XXXX, XXXX, XXXX, XXXX, XXXX and XXXX reports as a Charge Off. 

Congress also states pursuant to 15 USC 1666 ( b ) a creditor may not treat any payment on a credit card as late for any purpose. 

I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late which is my right according to the FCRA. I demand that if you Experian are unable to do so or lack proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply me with the corrected credit profile to the address listed on file. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information.Pursuant to 15 USC 1681 ( a ) ( 1 ) ( a ), you have 30 days to complete your investigation.

Failure to respond satisfactorily with deletion of the above Transaction/Late Payments, will result in legal actions being taken against your company, for which I will also be seeking Actual Damages as a result of your failure to comply with the law and the sections of the Fair Credit Reporting Act for the following violations : Any Actual Damages Defamation of Character Negligent Non Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, 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 2021-06-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and im disputing this for the second time.I will be filing a civil lawsuit. Why hasn't this been taken care of already this is unfair. Lives are being put down to fraudulent activities being on the profile. I have look on different forums and have talk to my lawyer and you are violating the rights of the consumers that you swore to protect. I have filed a FTC report and I request that all the information be blocked from my report. Under 1681r-2 of the FCRA, I meet the exact requirements for the account listed in the FTC report to be blocked. Im attaching proof of identity id and my social. I am also attaching a notarized letter that's signed by me to let you know im disputing. This account should be blocked within 4 days of receiving this from the CFPB. This is unfair and a mistreatment of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was in the process of refinancing my home, when the banker noticed that I had charges of a Credit Card from XXXX Compass Bank in the amount of {$8000.00}. 
I had a business checking account with XXXX Compass Bank, but I closed it in approximately 15 years ago. I don't remember receiving a card, but I know I did not make any purchases using a card from XXXX Compass bank and I never received a statement from XXXX Compass about any purchases or an outstanding balance. 
I have received many banks soliciting that I do get a credit card from them or that I was preapproved. I am not sure if XXXX Compass was one of the bankers who sent me a preapproved line of credit. Normally if I received a preapproved credit card, I just shred them without reading the details. 
Unfortunately, I had to file for bankruptcy 10 years ago and XXXX Compass was not on the list, neither was it flagged by the Bankruptcy Court, so this all seems like someone opened an account in my name or it may have gone to another address and someone used it. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX  Dear, Transunion I, XXXX XXXX XXXX, have written this letter to dispute the claim that is falsely listed on my credit Report with your bureau. The amounts owed are no longer outstanding for the following items : Party Owed XXXX XXXX Amount : {$1400.00} Account number XXXX Party owed : XXXX XXXX XXXX : {$1200.00} Account number XXXX Party Owed : XXXX XXXX XXXX : {$1100.00} Account number XXXX Party Owed XXXX XXXX  XXXX XXXX Amount {$110.00} Account number XXXX Party Owed : XXXX XXXX XXXX XXXX Amount : {$100.00} Account number XXXX Party Owed : XXXX XXXX  Amount : {$210.00} Account number XXXX Party Owed : XXXX XXXX XXXX Amount {$100.00} Account number XXXX Party Owed : XXXX XXXX XXXX XXXX Amount : {$2200.00} Account number XXXX I am disputing this claim due to THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 
This is my official request to have the aforementioned item to be deleted off my credit report. 

ssn XXXX drivers license XXXX Enclosed may be additional evidence to support my claim. 
Sincerely, 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