BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-26
Company: FIRSTBANK PUERTO RICO
State: PR
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 hace a crdit card with Mster Card that i Pay through First Bank for over 10yrs. Last month XXXX i didnt recive my statement, but i pad 2 days before its deadline the XXXX. 

On XX/XX/2020 i called XXXX XXXX XXXX XXXX, i spoke yo XXXX XXXX. I explained i hadnt received statement of but i had made payment on time. He said a {$4.00} charge Is applied for a copy of a statement, and interest Is also applied towards that amount.This payment was for XXXX The strange thing Is that i received the copy of the statement in 4 days from the call i made them, i received It on day XXXX. 

I shoud have received by now the XXXX statement and havent received It yet. How Is it that i dont receive statement but i receive the copy which cost me $ XXXX interest. 

Again this month, i will ve paying without my statement. Its obvious to anyone to know the game they ar playing. 

Its more than resonable that they crdit me all the 2x {$4.00} charges and interest. i have PERFECT payment history and paying over minimum 100 , % of the time, paying them even when under these dificult times. 

My name : XXXX XXXX XXXX /telXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PR XXXX My email : XXXX Please. advice, XXXX. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX the company I called and spoke with the XXXX and stated to him that their company ran my credit without my consent and I have plenty of inquired from their company as if I were trying to obtain credit and he stated he will not correct the issue that I need to contact the credit reporting bureaus. 

XXXX XXXX, XXXX XXXX XXXX XXXX, and on XX/XX/XXXX : I contact the companies and I let the sale managers know there are plenty of unauthorized inquiries on my credit report and the sales XXXX stated I have to call the credit reporting bureaus to have them remove the inquiries. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I contacted these XXXX companies by mail and they stated the inquiries are accurate after I stated to them they were fraudulent and unauthorized inquiries made. They replied and stated to contact credit reporting bureaus and add them to add a fraud alert.

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 2023-04-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX, a subrogation department, has been contacting me for the payment of {$35000.00}. According to XXXX, I owe this money to the insurance company USAA due to a traffic accident, but they haven't been able to provide an explanation of where this amount comes from. They also discussed a possible driver 's license suspension, which I consider a threat. It is worth noting that USAA hasn't personally contacted me regarding this. On the XXXX of XXXX, I sent a letter to XXXX by certified mail asking for these details, but they sent the same initial letter with no answer to what I asked for. This has been causing me a lot of stress.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: First Federal Credit Control, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon looking at my credit report, I noticed a collection account with First Federal Credit Control out of XXXX, OH. Once I was able to locate their contact information, I called the company to inquire about the matter. I attempted to call a few times in late XX/XX/2021, and finally made contact with a representative on XX/XX/2021. I spoke with an agent named XXXX who would not give her last name but provided identifier XXXX. XXXX did not even verify my information, just began talking to me about some medical debt from a place I was not familiar with. It concerned me that my information wasnt even safeguarded in the event someone else tried obtaining my information. Its a GLBA requirement ( specifically 15 USC 6801 ) to verify all information prior to giving out personal information ( I have been in the mortgage servicing industry for over 10 years ). I simply asked for written proof of the debt owed, but was talked over and would not be provided the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Experian Information Solutions Inc.
State: SC
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 recently investigated a bankruptcy that has appeared on my credit report for more then 5 years, having been provided a document from the original creditor that reported the item, as identified by Experian, XXXX XXXX third party provider. With that document in hand, Experian reported that they verified the item is mine, but in alternate, having been provided documents from the social security administration of the only provided name identification with my social security number, Experian decided on its own to add names to my file without factual verification. In addition due to the unsecurity of the credit reporting system of Experian during the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019, Experian has allowed some person or entities to run my credit, access my credit, or gain access illegally without permissible purpose over 65 times, when addressed with Experian their tag line is with permissible purpose, but having been unable to provide a credit application signed to give such access. In fact having contacted each of the entity, no credit application of signature available, each indicated that such was performed by phone or by the internet, without identifying verification. Experian is operating a lying dispute process, and a credit reporting company that allows access, without verification of its vendors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: WI
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. I have advised the creditor and the credit bureaus, and they have refused to remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
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:
Experian is reporting fraudulent and inaccurate information on my credit report and are in violation of the FCRA. I have tried to dispute this on numerous occasions to no avail.

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 2020-10-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have been unable to obtain a free copy of my credit report. Equifax claims they have " mailed me information, '' which is false. I have made several requests for a FREE copy of my credit report and Equifax has not sent it to me, at any point. It is my FCRA right to obtain a copy and they are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: JPMORGAN CHASE & CO.
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Issue:  Chase mishandling my XX/XX/2019dispute for $XXXX and rebilling me twice instead of refunding.Chase has been contacted  XX/XX/2019Just to give a little context, I contacted Chase to assist me with disputing the XX/XX/2019, $XXXX, Newbalance, transaction. The Chase dispute representative was advised that there was another transaction from New Balance of $XXXX   from XX/XX/2019. The Chase dispute representative was informed of the other transaction, to clarify that credits that were issued for the XX/XX/2019 transaction $XXXX and $XXXX. Chase informed me that they would be issuing a permanent credit of $XXXX for the XX/XX/2019 transaction.On XX/XX/2019 I received a letter from Chase that stated I was being rebilled for credits that were issued; however, this calculation is incorrect. The dispute representative cited that two credits were issued; however, what they were not related to the XX/XX/2019 transaction, and were for the XX/XX/2019transaction returns.Chase rebilled my account two additional times for ($XXXX; $XXXX). I am disputing these amounts as they should not have been billed to my account.  A refund of $XXXX would resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
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: Account status incorrect

Complaint:
On XX/XX/2020, upon review of my Experian credit report it noticed that XXXX was incorrectly furnishing data to the CRA. My direct action was to dispute the information, as it was not correct ; XXXX 's response was to add to 30 day lates to my credit report which is inaccurate.

This is an illegal loan, and XXXX  was repaid all monies borrowed. I would like this agency to remove all credit reporting from my credit report as they are in violation of Fair Credit Reporting practices.

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 2021-05-05
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I am a XXXX account holder with critpocurrencies ( bitcoin, and ethereum ). I live in XXXX. My XXXX account has been blocked since XXXX. XXXX says it's under review and dont let me access my money. XXXX also don't tell me what is wrong. If I can't find out what the problem is, I can't fix it. 

In my opinion there is no problem at all. My account its been fine since the first day I sent XXXX XXXX. Nothing has changed. 

I have sent XXXX many complaints and they always tell me to wait a few days. The result is always the same. XXXX do not solve the problema and dont let me access my funds. Also, my money is exposed to what happens in the market, I feel hurt. XXXX allways says is going to do something but its been almost five months since I cant get my money. Cant understadn this could happen in the USA, and cant understand this happen with XXXX, a XXXX listed company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2020, upon review of my XXXX  credit report it noticed that XXXX was incorrectly furnishing data to the CRA. My direct action was to dispute the information, as it was not correct ; XXXX 's response was to add to 30 day lates to my credit report which is inaccurate.

This is an illegal loan, and XXXX  was repaid all monies borrowed. I would like this agency to remove all credit reporting from my credit report as they are in violation of Fair Credit Reporting practices.

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 2020-07-31
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The apartments were paid and now a third party collections company is trying to take additional funds. Never was I aware of any additional debt owed. I also never did a contract with this particular company that is now trying to collect on the apartments behalf. Do they have proof of why or how I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX keeps reporting something on my credit report that I know nothing about. It has really dropped my credit score. Says I owe them $ XXXX {$900.00}. I have no knowledge of account ( s ).

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 2020-12-03
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The Apple Bank branch on XXXX XXXX is closed again due to " the impact of Covid 19 in this area. '' There is no special impact of Covid 19 in this area at this time. It is not a yellow, orange or red zone, does not have positivity rates larger than other areas of the city, if anything they are smaller. 

When their branch is closed, many services are unavailable. Their online options are limited and the amount of cash withdrawal allowed from the ATM is limited. 

They were already open for very limited hours before this ( about half of their prior availability ) and it is making it very hard to continue to bank with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Rec 'd a pre-approval from Capital One for a Quick Silver Card - See below - Thank you for being a Capital One cardmember. Were pleased with your track record, and wed like to recognize your loyalty with an exclusive offer to apply and earn 1.5 % cash back on purchases.

I applied for the card and was denied - The denial letter states - Based on your application information, income is insufficient for amount of credit requested I did not specify any amount of credit on the application. I called Capital One to ask them what amount they were had listed on the application and they told me that they could not see that amount and I should call XXXX  for that information.

Capital one said I was denied " for the amount of credit requested '' but they can't or wont tell me what amount was requested and I did not put any dollar amount on the application.

The letter for denial is deceptive and misleading as as I do not know what amount was requested, I did not request an amount and don't know what amount was denied.

Capital One transferred me to a supervisor who would not give me the address to write in a formal complaint and said I could only do a complaint on the phone. She told me there was not reference number for the complaint and that was all she could do. Her information was XXXX XXXX. 

I also told her I was recording this call for customer service and she said I was not allowed to record her call by Capital One was allowed to record mine and then she hung up on me ...

They must provide the $ amount request on the denial ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Carvana Group, LLC
State: IL
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 went to the Carvana.com website to look at possibly buying a car through them. Something happened and will not be able to purchase a car for 2 years now. I had opened an account on Carvana.com. I now want to delete my account so that in case there is a data breech my personal info will not be compromised. I tried to cancel it on line but there is no way to do this there. I then tried chat on their website where it said I could as long I have not done any financial parts of the account, which I have not done. I then spoke with a customer service rep who said I could not and gave me a portal do do it on. I tried that portal and it only allows people from California to delete their accounts. I want my account deleted and they will not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Debt or credit management
Sub-product: Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised

Complaint:
I have made several attempts to communicate directly with PENNYMAC BANK CEO, but was unsuccessful. I would like a direct response from XXXX XXXX XXXX XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractic while severals laws were being broken under the FCRA by your company. This has caused me financial injury, it has caused me defamation of character. I can't get a job, I can't apply for credit. You have hurt my ability to obtain credit and I need this problem resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are a significant number of hard inquires on my credit report.

I do not recognize nor authorize these. I have written to the credit bureaus but have not heard back yet.

I demand all hard inquiries by someone attempting to make me a victim of identity theft remove ALL the hard credit inquiries as well as any address other than XXXX XXXX XXXX, XXXX XXXX, Sc XXXX. Some have XXXX but h

ave not removed it despite my request. One company even sent me a letter stating they had researched these credit places - which should all have a freeze on them!!! I have letters from all gf them that the credit line is frozen!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I had VENTURE ONE Capital One credit card, which was closed due to the late payments in XXXX. I paid the balance and late payment fee. 

However, Capital One confiscated my XXXX Rewards XXXX in that credit card, which is my property. Capital One has no right on my property. 

I require Capital One to return my property, XXXX Rewards XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: CA
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:
multiple times I dispute fradulent accounts, but all 3 credit credit reporting agencys, keep saying information is correct, please help me to remove 12 fraudulent accounts from my credit report, XXXX and Equifax removed 6 fraudulent accounts, please also help me with XXXX XXXX and Equifax to remove remaining fraudulent accounts from my credit report, I'm attaching all fraudulent accounts witch one I print it and uploded. 


police report also uploded

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
When I was contacted by a representative for this company back XXXX of XXXX  I made it clear to him I would be disputing this debt and to only contact me by mail. They have repeatedly called a few times left voice mails I saved and I told them again only contact me by mail in early XXXX and again repeated calls.i even confirmed it was put in their system do not call me. They confirmed it had been and couldn't give me the explanation of why the nuisance repeated calls and voice mails. They do say they record all phone calls for quality insurance it's no reason they can not provide records.

Company response to consumer: Closed with explanation