BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My mom had two accounts at Capital One 360. One, account number XXXX with {$78000.00} was a savings account. The second, account number XXXX in the amount of {$85000.00} was a money market account. I was joint account holder on both accounts. Mom passed away XX/XX/XXXX. I notified Capital One and provided a copy of her death certificate as requested. When I checked the accounts on XX/XX/XXXX, I noticed that Mom was no longer on the accounts. I was listed as the only owner on the accounts. When I checked the accounts on XX/XX/XXXX the money market account was GONE. It does n't show up when I login. Nothing - not a note that there was a problem or anything. I contacted Capital One 360 customer service, expecting that it was merely a computer glitch on their end. What I was told is that they have restricted the account because of questionable activity on Mom 's profile and that they restricted the account because her name is still on it. First, the activity was most likely me attempting to log in with her access to verify that it was disabled and her account shut down. Second - How did Mom 's name get BACK on the account that I was sole owner of on XX/XX/XXXX? Third - Why was I, the account owner, not notified if there was a problem with the account? On XX/XX/XXXX I had complete and solitary access to {$85000.00}. Today, it 's gone from my account. I ca n't see it, restricted or otherwise. Capital One says that they show me as JOINT owner on the account but effectively, they have stolen {$85000.00} from me without notification. 

I have attached a copy of the XX/XX/XXXX statement showing account numbers and myself listed as Joint Owner on both accounts. I have also attached the letter from Capital One showing that account ownership changed from Joint with Primary Owner to Individual Primary Owner, dated XX/XX/XXXX. ( I saw this change on the XXXX online but it was a holiday - thus the official letter dated the XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
coinbase XXXX confirmation says money withdrawal completed of amount {$9900.00}, but nothing happened, My bank XXXX XXXX did not receive the monry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The website was unclear that a product cost money. I thought it was free so I accidentally signed up for a monthly subscription of {XXXX} to TransUnion today ( XXXX ). I got my subscription cancelled for the future, but I would like the {XXXX} refunded because I was not aware it was a paid service.

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 2019-02-04
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account shows on my credit from XXXX XXXX XXXX I have no knowledege of the debt, I asked for verification and validation and haven't received anything. 
I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
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: Information belongs to someone else

Complaint:
I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX, XXXX, XXXX AND EXPERIAN XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX, XXXX, XXXX AND EXPERIAN continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of 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 2017-12-16
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: Account information incorrect

Complaint:
Equifiax XXXX XXXX XXXX are all reporting a balance of 1581 of a XXXX loan that I do n't own that balance the XXXX XXXX XXXX XXXX was suppsoed to pay this amount but have n't payed this is incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: American Credit Acceptance, LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
You guys lied! I called and gave me a hard time to deal with my deferment and didnt approve me for XXXX months! Listen to the call the lady was rude and didnt want to help! 

ACA is willing to approve the request for a one or two-month payment extension. ACA tried to contact XXXX XXXX by telephone on XX/XX/XXXX but was unable to reach him. XXXX XXXX is asked to call ACA at XXXX regarding his request for a payment extension. The account is notated regarding this matter, but we need to speak with XXXX XXXX in order to finalize this arrangement. While ACA has initiated an investigation of the complaint, we are still in the process of completing our investigation and finalizing our written explanation. We will submit a final explanation within the response period of 60 days after the filing of the complaint. In the meantime, if XXXX XXXX has any questions after reviewing the above information, he may contact ACAs Customer Experience Supervisor at 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 2021-12-04
Company: Netspend Corporation
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: Card was charged for something you did not purchase with the card

Complaint:
suddenly {$50.00} have pending I did not authorize when I call my card my XX/XX/2021. Pending. 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 2019-02-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I will now post evidence that the history of payments by Select Portfolio Servicing , Inc . is in error ; and therefore proves the importance of the corrections necessary, to be made to my account : First, Select Portfolio Servicing , Inc. sent, to my address, a history of the payments they said I made to their company but have left out important payments. I will attach the Select Portfolio Servicing , Inc. history sent. I have recently acquired from XXXX XXXX, a legally documented payment history. This document was sent to me after requesting a history of all payments sent to Select Portfolio Servicing , Inc. through " XXXX XXXX '' payment processing. You can clearly see that not all of the payments made through XXXX XXXX to Select Portfolio Servicing, Inc.are documented on Select Portfolio Servicing , Inc. 's history : Note- I will also respond with the payments through XXXX XXXX  when that history becomes available as a precaution ; as I began all payments through XXXX XXXX .

Second, I am still confused as to why the latest letter from Select Portfolio Servicing , Inc. states that I owe for " XX/XX/2018 '' on a letter dated XX/XX/2018 but my billing statements read that I owe almost {$4000.00}. And as the XXXX XXXX payment history proves, I Never Missed A Payment to Select Portfolio Servicing , Inc .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to get verification and validation of an account owned by XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is not even recognized by Consumer Finance Protection Bureau and they have no listed address for them listed as a financial institution. Commenity Bank or XXXX XXXX XXXX have failed to provide any documentation proving this debt was passed on from XXXX XXXX XXXX to their offices. They have not provided any written or signed application or documents concerning this account after many repeated attempts. The only notice they continue to send in one statement and a notice saying Commenity sold CRA the account but no legal documents or contracts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: HireRight Solutions, Inc.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX reported on HireRight that I had a " Backing  '', " accident/incident '', that was " preventable '', in XXXX NC, on XX/XX/2019. 
This is a lie. 
1 ) The only thing that was preventable was ; XXXX sent me there. They didn't have to. The facility itself admitted that insurance fraud is a bad problem there. 
2 ) There was no backing  incident. 
3 ) This was attempted insurance fraud. Period. 
4 ) XXXX 's dash cam shows the driver wasn't even there when I showed up. No truck was backed up to that trailer when I showed up to back in. He showed up when I was mostly backed in. ... The guy shot his mouth off to the cops about him being there the whole time. Backed up to his trailer. Honking his horn. Yelling at me. It's all a lie and XXXX 's dash cam proves it. 
5 ) I have already provided plenty of pictures of both his trailer and mine. No way my trailer  could have caused the damage he had on the side of his trailer. And existing damage does not match up. XXXX knows this. They have the pictures. Also there is no way the flat side of a trailer door could have done the damage he had on his trailer period. 
6 ) This is nothing but libel. Safety Department trying to get back at me. I was requested to issue a letter after I quit. I told them that XXXX is a XXXX XXXX. He refused to give me the dash cam video from a wrongful ticket. I had to prove my innocence with that judge. He wouldn't give in otherwise. That's why I quit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Somehow, American Express obtained my cell number in an attempt to get a message to and obtain information to reach my brother ; which neither my brother nor I had given them said number ; nor has there been any connection with said telephone number credit or financial histories. I called them to tell them to stop ; and I have told them we have given him the message ; ; but they couldn't do anything because I don't have my brothers account number with them, or his credit card number. I also have copies of several voice mails they have left ; that I can furnish you with, upon request. I have two numbers that are connected with this complaint ; which are ( XXXX ) XXXX and/or ( XXXX ) XXXX. My brothers name is XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-16
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: Account information incorrect

Complaint:
XXXX XXXX has an auto loan being reported on my credit as a repossession/charge off and that information is incorrect. I spoke to numerous representatives to resolve this matter but they keep trying to negotiate a balance that is incorrect. I spoke to representatives from ( XX/XX/XXXX - XX/XX/XXXX ) ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF YOU NEED MY AUTHORIZATION TO PROCEED, YOU HAVE MY AUTHORIZATION TO PROCEED. 

I, XXXX XXXX, consumer and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

Certified Mail # : 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 2021-12-04
Company: Experian Information Solutions Inc.
State: AR
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:
On XX/XX/XXXXXXXX, I wrote requesting an investigation into ( XXXX XXXX account number XXXX ) as of XX/XX/XXXX. I have not received a response from the credit bureaus, XXXX, XXXX, or Experian. I believe there was INACCURATE reporting of the account XXXX. I have not received a reply or any acknowledgment that an investigation has begun. The credit bureaus are not in compliance with their own policy of 30 days. 

XXXX, XXXX and Experian reporting account XXXX as late payments for 90 days for the month of XX/XX/XXXX, with paid as agreed in the previous months XXXX and XX/XX/XXXX, and the current months showing XXXX and XX/XX/XXXX, no data. The account XXXX on the myfedloan.gov website in the account XXXX show no late payments or delinquent or default for account XXXX in the history. I have attached copies for the account XXXX. as proof of inaccuracy.

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 2022-02-02
Company: EQUIFAX, INC.
State: AZ
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 want my accounts to be validated as I have the right to do so, there is a letter of explanation enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: AMERICAN HONDA FINANCE CORP
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 XXXX I traded in my lease and bought a brand new car with the same company I leased from which was XXXX XXXX XXXX. The SAME day I was released of all LIABILITY and given the forms which I have attached. On XXXX Honda Financial  called my phone which was odd because Ive never been late on any payment and I didnt have possession of the vehicle. ( I believe it was sold the next day ). I explained all of this to them and they told me they didnt care and that they were marking me 30 days late. I then called XXXX  and spoke with XXXX and XXXX XXXX who said that they was no way I was liable for anything as I didnt have possession of the vehicle and then they reached out the Honda Financial and was also treated with the same disrespect that I had just dealt with. Due to XXXX I have been in a shelter with my children and was due to close on my brand new house XX/XX/XXXX. That now is not an option. UNBELIEVABLE!! If this information was reported correctly I would accept this. However its not. This mark has damaged my LIFE! I want it removed immediately so that I can close on my house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 noticed that my profile report contains unauthorized accounts that are illegal. I'm concerned that you've included the following information in my credit profile and that you've neglected to follow reasonable procedures to ensure the most extreme possible accuracy in the credit reports you distribute. Credit reporting laws require agencies to report only accurate credit data. Each step should be taken to ensure that the data detailed is completely accurate and correct. The accompanying data should be re-examined in this manner. After carefully pulling my credit report from your agency, I am having significant difficulty locating inaccurate/invalidated accounts. I am unaware of these items or inaccurate information because my information was exposed as a result of the XXXX data breach and may have ended up in the wrong hands. You are filing reports negligently and inaccurately, in violation of the FCRA. I am aware that you lack legal standing as a federally protected consumer, and that you can not retain an attorney to represent you against me. 
I'll seek a default judgment and file a class action lawsuit under XXXX 1640 on behalf of at least 1 % of the corporation for violations, stress, and mental anguish, OR ANY OTHER AMOUNT OF DAMAGES UNDER XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company never notified me or gave me a chance to verify and pay debt, didn't receive any warnings that debt was going to be attached to my credit report from the company and still to this day cant verify correct amount of debt that was reported, at one point i saw a different amount it looks as if it has changed but not sure because the company never contacted me to communicate it would be attached to my credit report. the company is called convergent outsourcing and the debt supposedly owned is XXXX. The date that is listed is XXXX, my email is 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 2021-12-04
Company: FIRST ADVANTAGE CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have applied to XXXX XXXX, XXXX and XXXX only to be to my background check came back negative. First Adv did all three background checks. I was finally able to obtain these checks. I tried to locate my report only to be refused or stymied at every opportunity. When i was finally able to obtain my report I notice several inaccuracies. First, this was catoragized as a major offense ( ie, XXXX XXXX XXXX XXXX XXXX This was a XXXX XXXX XXXXXXXXXXXX XXXX I was issued at XXXX for food that didn't scan at the self-checkout. yes, i did this but only because i. was hungry 2. there was no help to be found the total was I think XXXX for cold cuts. Now the interesting parts come into play, On XX/XX/2019 i pled guilty to this minor infraction and took the deal ^ 6 months NO report probation /mail-in and I was in compliance with these conditions when I suffered a XXXX XXXX and XXXX. Thankfully I have recovered from this after months of XXXX Apparently and I was unaware of this the XXXX XXXX assigned to my case ( there are issues there as well ) violated me for non-complience. This couldn't be further from the truth. I have been a man of good moral character for my entire adult life. I feel that this needs to be addressed in some common-sense way. I have never been convicted of a felony yet that is how they making it appear. I did not find out about this till XXXX XXXXduring the whole Covid experience. PLEASE help me correct this and these INACCURACIES. ONCE AGAIN I WOULD LIKE TO STATE THAT I HAVE BEEN A MAN OF GOOD MORAL CHARACTER MY ENTIRE life Please dont deny me the right to employment due to these inaccuracies, sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation