BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
1. I applied for the capital one walmart card on XX/XX/XXXX, it was approved immediately, however with an insanely low {$1000.00} credit line, this is the lowest credit line I've ever had, with such a low limit, I can't even use this card properly. 

2. It's impossible to active this card, I received the card on XX/XX/XXXX, when I try to acitvate it online and through mobile abb, their website keep throwing errors, and ask me to activate through phone. However when I called the provided number and entered my information, it always direct me to a infinite wait for a representative to be available, I end up hanging up after waiting for more than 30 minutes, it's impossible to reach their customer service team and get help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transunion has failed to communicate results on the investigation I requested about accounts on my credit report with me for the following accounts : XXXX XXXX XXXX XXXX/XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Experian Information Solutions Inc.
State: IL
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:
A place in XXXX Illinois called courtesy loans close their doors one day on a Friday. They were bought out by world finance. Courtesy loans never sent their customers any kind of paperwork who bought the company they didn't send me or anybody else anything and we had no idea who to pay the loans off to couldn't get a hold of anybody cuz the place closed their doors courtesy loans did and all the sudden it pops up on my credit report well I've told experian XXXX and XXXX about it I have sent disputes I have done all that and nothing changes but it still has drug my credit score down and I didn't even know who to pay or anything until it was already too late They already had they were already 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 2020-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Account showing on credit report doesn't belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-29
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
UPON CHECKING MY CREDIT REPORT I NOTICED A COLLECTION COMPANY IC SYSTEM INC REPORTING ON ALL THREE OF MY CREDIT REPORTS. I WAS UNAWARE OF THIS COMPANY AND DID SOME RESEARCH, TO MY KNOWLEDGDE AND ACCORDDING TO FLORIDA OFFICE OF FINANCIAL REGULATIONS IC SYSTEMS IS NOT LICSENCED NOR BONDED IN THE STATE OF FLORIDA TO COLLECT ANY ALLEGED DEBT IN THE STATE OF FLORIDA. THEY ARE IN VIOLATION AND CAN BE FINED ( please see attachments ). PLEASE DELETE IMMEDIATEL BOTH ALLEGED UNPROVEN ALLIGATION OR ILL BE FORCED TO FLE A COMPLAINT

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 2019-06-28
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 have several accounts that don't belong to me. XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX what is this on my credit please remove not mines I explained XX/XX/XXXX Balance {$150.00} XXXX XXXX XXXX XXXX Original Creditor XXXX  Open Date XX/XX/XXXX Balance {$570.00} Collection Debt {$570.00} XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$150.00} Collection Debt Account Type Revolving Balance Credit Limit {$1700.00} Payment Status Negative XXXX XXXX XXXX {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical claim was paid by insurance. Insurance paid 100 % of claim. Payment was never applied to my account and I was sent to collections. Collection was wrongfully put on my credit file and credit company refuses to remove the claim. Will only put paid in full. This has destroyed my credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Select Financial Services, Inc.
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX Id fallen behind on my mortgage and was working on a modification with XXXX XXXX  that was taking forever.XX/XX/XXXX  there was a huge flood in XXXX XXXX that took at least 65 thousand homes including mine with 4ft. of water taking everything I owned except clothes on my back and truck I left in. 
Still going through modification, gutting house, finding new place to stay and get life back on track - not easy after all this. 
XXXX XXXX insurance finally payed for damages but because house is in modification the mortgage co. will not release the funds to repair the house. XXXX XXXX Changed its name to XXXX XXXX and sold my loan to XXXX XXXX and the modification process had to start all over. Going back n forth with paper work the loan went back into foreclosure status. On XXXX XXXX I received a letter asking for more paperwork and on XXXX XXXX house was sold in Sheriffs sale with no knowledge by me. Getting home on XXXX XXXX finding a letter on my door stating home was sold and I need to vacate in property ASAP. 
Talking to the flip company that bought the house in sheriffs sale informed me I should be intitaled to the insurance money sense the mortgage co. and I have no more ties with property. Ive contacted XXXX XXXX   about this and I get hung up on, told dont know what your talking bout or just given me the runaround between departments. 
Should the insurance money be available to me because of the situation? 
Please help!!!!

Company response to consumer: Untimely response
Consumer complaint received 2018-01-29
Company: NCB Management Services Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
NCB Management Service Inc. does not have a signed contract that states I agreed to pay NCB. This account is past the Maryland Statue Of Limitation on debt collection, while NCB is reporting this account as current with the credit bureaus. Although it is noncollectable. Reporting a different removal date from the original account holders. Despite numerous certified letters NCB always make the claim they are investigating this matter, yet never send a correspondence telling the results of the investigation. These are just a few of the many violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act that NCB Management Services Inc. continue to violate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: EQUIFAX, 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 have several accounts that don't belong to me. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX what is this on my credit please remove not mines I explained XX/XX/XXXX Balance {$150.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Date XX/XX/XXXX Balance {$570.00} Collection Debt {$570.00} XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$150.00} Collection Debt Account Type Revolving Balance Credit Limit {$1700.00} Payment Status Negative XXXX XXXX XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: JPMORGAN CHASE & CO.
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureaus are reporting inaccurate information on JPMCB CARD XXXX Balance : - ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have been identity theft and they refuse to lock report, the inquiries are all fraudulent, Experian keeps selling and allowing my report to be pulled. There should not be any inquiries hard or soft. Every time I look there are new inquiries that are fraudulent.

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 2018-01-29
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I've been a Coinbase customer for some time and have been very patient, understanding that they have plenty of problems with their system at the moment. However, I have made a bank wire withdrawl in USD from Coinbase to my bank account for about {$15000.00} on XX/XX/XXXX and have not seen anything come in. It was supposed to arrive that Friday and now 3 weeks later and no response. I have talked to my bank to look into the matter and they checked back up to 3 months and found no initiation for a deposit into my account. Coinbase emailed me and told me they sent my case to their special team to look at, but I have not had a response for a week now, and I have not received any follow ups from their " special team ''. A few things I would like to know and understand and would like to ask @ Coinbase is When will I receive a response. Also they marked the payment as sent and it clearly was not initiated. Why mark payment as sent, if it isn't really sent. Where is the money, if not in my accounts. I understand they are busy with many backlogs, but my concern is that I can't see where the money is, its not in my bank account or Coinbase account, and Coinbase has not made it clear how their transfers work and why it takes so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
During early XX/XX/XXXX I signed over papers to turn my XXXX XXXX account in Bank of the West into a regularly account in my possession. This is through Bank of the West Investment services for my account. They said it would be done within a week however ever since then I have not been able to access my account. I have called almost every day with no reply. This was done with XXXX XXXX as the person who handled it however he has stopped replying to my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
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: Was not notified of investigation status or results

Complaint:
I submitted a credit dispute with TransUnion on XX/XX/2021, to remove inaccurate information on my TransUnion Credit Report. I provided a copy of my XXXX Credit Report that shows they removed the Bankruptcy because they were unable to verify the accuracy of the record. 

I have verification from the United States Postal Service Certified Mail Receipt that TransUnion received my letter on XX/XX/2021. TransUnion failed to my dispute within 30 days of receipt is a violation of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. In fact, TransUnion has never responded to my credit dispute. 

I am requesting that the inaccurate information be immediately deleted from TransUnion 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 2018-01-29
Company: Midwest Recovery Systems
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX I had 2 online payday loans from XXXX XXXX XXXX and XXXX, which I'm sure both were paid in full. But I noticed on all 3 of my credit reports that Midwest Recovery Systems was trying to collect on these paid debts. They are stating the I owe {$1300.00} to XXXX and {$2200.00} to XXXX XXXX XXXX which is not possible. I have disputed this will all 3 credit bureaus and I've also sent them a certified letter requesting validation of these accounts as well as a cease and desist, I requested that they only contact me by mail. I sent the certified letter on XX/XX/XXXX and I have not received anything from this company. They never sent me anything validating these accounts before adding them to my credit reports, I've only received harassing threatening phone calls from this company, they even called my employer and aggressively asked all kinds of personal questions about me, when I got to work I called them back and explained that I could not except personal calls at work, the guy threatening me with a lawsuit and hung up. This company calls me from numbers all over the country and I block them all. My next step is to file a police report against Midwest Recovery Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Experian Information Solutions Inc.
State: MO
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 is a credit reporting outlet that get it information from credit reporting agencies XXXX, XXXX and experian. The problem is they are reporting incorrect information about my credit from these agencies. They have that I owe {$5700.00} from XXXX XXXX XXXX and that I owe {$250.00} to XXXX XXXX XXXXXXXX. 

I owe XXXX XXXX XXXX and XXXX XXXX Nothing. My credit report should show both these accounts with a XXXX Balance Owed. 

I want an Investigation as to why XXXX XXXX keep reporting incorrect information. 

Waiting to hear from you. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian has failed to properly investigate/delete an account showing negatively on my credit report. I have sent letters dated all the way back to XX/XX/2017 asking for a lawful investigation of the XXXXXXXX XXXX account showing on my report. XXXXXXXX XXXX  has admitted to me via letter that they do not possess an application with my signature that would validate a debt. I have forwarded this letter to Experian. Also, XXXX ( an organization that mirrors Experian in account investigation processes ) has deleted this same account from my credit report due to inability to validate it in compliance with the FCRA. Experian & XXXX have both maintained to ignore their violation of federal law and fail in deleting this account which violates the FCRA.

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 2020-12-21
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld system Inc has put this false account on my XXXX  credit. I disputed this account off before. Now they put it in my credit. I did call on XX/XX/2020 and they said it would be removed off of my credit for good. I got this off of my credit back in XXXX and you lied. This false accounts need to be out of my name. Nothing but fraud accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: Experian Information Solutions 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:
This collection has already been removed from my other credit bureaus, since the original debt charged off over 10-years ago. XXXX XXXX has violated its subscriber agreement with Experian. My information was taken off of a debt pooling system, has never been validated and can not be enforced by any additional collection process. The negative trade line needs to be removed permanently. It only appears on my Experian report, and XXXX XXXX has maintained it there in true violation of my rights under the Fair Debt Collection Practices Act.

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 2018-01-29
Company: Source Receivables Management LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection agency is reporting an account on my credit report that I do not believe is mine. I called the collection agency and asked them to validate this account by mail. The company said that they could not validate the account, and that Inwould have to contact the original creditor- XXXX. I contacted XXXX, and they were not able to validate this debt. XXXX told me that they could not remove a collection account off of my report, because they are not reporting an account to my credit report. The agent told me that the company reporting the debt is the only company that can take the debt off of my report. The collection agency already told me they could not validate the debt because they do not have information on the debt, yet they are still reporting the account on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: JPMORGAN CHASE & CO.
State: NJ
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:
Had a dispute with the XXXX  guys merchant was asked by chase to provide documents of proof fax it on XX/XX/XXXX emailed it on XXXX cause chase said they did not get it checked with chase if they received it but chase said no, asked them if I may lose dispute cause they are not getting documents of proof yet they said I had an extension called again on XX/XX/XXXX, they said I had a extension and should call back tomorrow to check if they received it called again on XX/XX/XXXX they asked me emailed XXXX again nad I uploaded it the server ( last time I tried server it did not work on XX/XX/XXXX I got a message from chase saying that they received my doc and they get back to me in 3 days called chase on XX/XX/XXXX and they said that since I have not provided documents therefore I have lost the claim of {$1600.00} it looks like a nice set up by the credit card to make me loose the case

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: UT
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:
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. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete immediately XXXX XXXX XXXX XXXXXXXX {$57.00} XXXX {$0.00} XXXX {$770.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX {$190.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX {$120.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX {$120.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX {$720.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX {$780.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation