BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-18
Company: AMERICAN EXPRESS COMPANY
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft AMEX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft JXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry:XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I have several hard Inquires on the XXXX credit report that are not recognized and I Did not authorize. There is no contact information for me to contact them XXXX. National Credit card companies XX/XX/XXXX XXXX. National Credit Card companies XX/XX/XXXX XXXX All banks XX/XX/XXXX XXXX XXXX XXXX All banks XX/XX/XXXX And one on my TransUnion XXXX XX/XX/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 2019-08-06
Company: JPMORGAN CHASE & CO.
State: TX
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:
Dear Sir or Ma'am, This is in regards to a Phishing scam conducted by Chase Sapphire Preferred team. On Friday, XX/XX/XXXX, I called Chase Sapphire Preferred customer service@XXXX. They refused to help address questions I had about a recent purchases, billing, reverse charges, etc - until I " authenticated myself ''. Pretty standard practices on the surface? However, the questions they are asking, are not personal to me ( mother 's maiden name, city you grew up in, etc ). Instead, they use their mobile app to access your phone contacts. Then their " qualifying questions '' become as follows : Chase : " Do you know anyone named 'XXXX XXXX? '' Me : " Yes, I know two XXXX 's, why do you ask. '' Chase : " Can you tell me her birth date please? '' Me : " No, I don't know it. '' ( I lied ). 
Chase : " Do you know anyone named 'XXXX  XXXX? '' Me : " Yes, of course, but I'm not giving PII ( Personal Identification Information ) to you for any of my friends or family. '' You should note that this rep was of XXXX descent. So they have people in foreign countries using our mobile app, to phish for PII on American citizens. This is how we end up having a major data breach with millions of consumers being affected and identities being stolen. While I was being passed to a 3rd person ( a supervisor ), to complain about their tactics, I also drove a block away to a Chase bank, I put their rep on speaker to allow the branch manager listen to what I was being told over the phone. He asked : Chase Manager : " Did you call us, or did we call you? '' Me : " I called you, to get assistance with my card. '' Chase Manager : " Then it's not phishing, because you called us ''. 
Me : " Other people 's PII has nothing to do with authenticating 'ME '. If you're asking questions about other people, you are identifying THEM, not me. '' Chase Manager : " All companies do this ''. 

Conclusion : When we add a contact into our phones, it often includes first|last name , street address, email address, etc. Now, Chase is allowing their offshore people to access that data, and then ask additional PII ( DOB ) that could allow them access to hijacking their identities. And, they refuse to help me until I give in. I had to speak to 3 people, then had to hang up and walk out of the bank, because I wouldn't give in. I still didn't get my questions answered. 

Respectfully,

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

Complaint:
I place a wire to XXXX/coinbase for XXXX on XX/XX/XXXX XXXX XXXX still havent receive my fund today. On their site it said fund will be available same day if wire before the cut off time XXXX XXXX PT. days later fund is still unavailable. Their customer support is unresponsive to this issue. Cant reach them by phone. I actually made a search online realize this is the norm and it happen to other customers as well. I wish the XXXX/Coinbase would provide a disclaimer. I hope they have a faster support team if they are providing this method of transaction. Customer that paid for wire transfer want their fund quickly not slowly. If they cant provide the support to resolving these issue quickly than dont provide the wiring option method.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Incomm Holdings Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I purchased a {$500.00} One XXXX XXXX gift card from XXXX 's on XX/XX/XXXX. I used the card online for purchases totalling approximately {$66.00}. When I was unable to check the balance on the card a few days later, I was told by customer service that a hold had been placed on the card and that I needed to send a copy of my receipt, driver 's license and prepaid card. 

When I was able to check the balance the following day, I discovered approximately {$200.00} of unauthorized charges had been placed on the card. Other charges were pending. I then filed a dispute claim with Incomm on XX/XX/XXXX. After a request for an update, on XX/XX/XXXX Incomm stated that " merchant denied refund. Reattempting refund from merchant. Response can take up to 30 days. '' This is the only update I have received from Incomm despite sending two recent emails requesting information. The only information provided by customer service is to " check back in 24-48 hours. '' When I asked if I could access the card to see exactly what transactions had been made, I was told the card was inactive. 

At this point I am worried this claim may never be settled and I may not get any of my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Two years ago I wrote a letter into the company asking for a good will to remove late payment on my account for XXXX, XXXX And XXXX in 2017. The company has not replied to my letter and this is having an adverse impact on my credit score. It was an unfortunate time when it happened during the back to back passing of my aunt and father ; Ive sent them evidence of their passing to prove my unfortunate circumstance. I was their primary care giver and prior to that and after up until this date Ive maintained immaculate payment record with the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18
Company: TRANSWORLD SYSTEMS INC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have attempted to contact Transworld Systems Inc separately with no resolution. I also attempted to contact XXXX XXXX XXXX XXXX. They state that I have an active balance through XXXX XXXX XXXX XXXX of {$61.00} I provided documentation to both Transworld and XXXX XXXX XXXX XXXX 6 months ago showing that I have the payment confirmation receipt for this debt. I paid it on XX/XX/2019. The debt still remains on my credit report. 

I filed disputes with all three credit bureaus. XXXX  and XXXX quickly removed the item from my credit report once I provided support ( 2 days ). 

XXXX conducted a sham investigation that took nearly a month to complete and refused to remove the item from my credit report. I filed a second dispute and they again refused to remove the item from my credit report. 

I am filing this complaint because I do not think it is just to have to pay a debt twice due to faulty record keeping between XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Experian Information Solutions Inc.
State: GA
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:
These accounts are wrong and have been placed back on my credit report after they were deleted, see dates of deletions XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. 

Bankruptcy # XXXX XXXX # XXXX XXXX consults # 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 2019-04-25
Company: Navient Solutions, LLC.
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: Old information reappears or never goes away

Complaint:
I have loans with Navient and XXXX which Ive been trying to solve since last year. I have wanted to come to a resolution with my loans but unfortunately someone has filed a class action lawsuit which wont allow me to touch my loans. I cant even pay on them. They have been on my credit report since 2004. They should not be on my credit report after 7 years. I know students who took loans with me in the same year and had the same status as my loan currently is, yet their loans have been removed from their credit report because of the time passed. 
Please have these loans removed from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Two years ago I wrote a letter into the company asking for a good will to remove late payment on my account for XXXX in 2017. The company has not replied to my letter and this is having an adverse impact on my credit score. It was an unfortunate time when it happened during the back to back passing of my aunt and father ; Ive sent them evidence of their passing to prove my unfortunate circumstance. I was their primary care giver and prior to that and after up until this date Ive maintained immaculate payment record with the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26
Company: Experian Information Solutions Inc.
State: OH
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:
Please see the 5 BK 'S on my credit report that have been removed and replaced back on my credit report. Dates removed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX BANKRUPTCY

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 2019-06-26
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Two years ago I wrote a letter into the company asking for a good will to remove late payment on my account for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2017. The company has not replied to my letter and this is having an adverse impact on my credit score. It was an unfortunate time when it happened during the back to back passing of my aunt and father ; Ive sent them evidence of their passing to prove my unfortunate circumstance. I was their primary care giver and prior to that and after up until this date Ive maintained immaculate payment record with the company.

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 2017-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I will respond to XXXX XXXX XXXX correspondence dated XXXX XXXX, 2017. That was sent to your offices and forwarded to me. I demand they cease and Desist Collection activities. They have no legal right to file any motions or collect any funds for these accounts

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 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-07
Company: Sunbit, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
To Whom it may concern, I have misplaced/lost my Sunbit Credit card on Friday XXXX. Fraudulent transactions have been occurring. 
I went online to check my balance, and it seems like a person has been using my card at stores such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX for over {$70.00} on Saturday XX/XX/2022 and Sunday XX/XX/2022. 

I currently do not have possession of the card. My family does not have access to it. Definitely, somebody has been using it without permission. 


thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient is either completely incompetent or blatantly dishonest. 

I have two sets of loans with them : 1 ) an old spousal consolidation loan from early XXXX 's ( we divorced in XXXX ) ; 2 ) a personal ( i.e. NOT A SPOUSAL LOAN ) from a couple years ago that was taken out in its entirety when I was SINGLE almost 10 years after I had been divorced. I have an IBR plan on my personal loan ONLY that I am trying to re-certify.

Navient keeps sending me letters saying that they need my spouse 's proof of income to process re-certification of my personal loan. This is WRONG and they are either idiots or crooks, and I am  tired of going through this with them every year. This is not a new application for a repayment plan - I am only trying to re-certify an ALREADY APPROVED IBR PLAN!! My ex-wife from 10 years ago has nothing to do with it, and I am not going to give them her income information. They have my tax returns they just need to do their jobs and re-certify. 

I have called Navient customer support 4 times ( this year, last year when I was trying to get the application approved it took a dozen phone calls and threat of a lawsuit ). Each time the CSR gives me a completely different excuse about what went wrong and a completely different action I need to take to resolve it. So far XXXX on XXXX at XXXX PST, XXXX XXXX XXXX at XXXX PST, XXXX on XXXX at XXXX XXXX XXXX PST and XXXX on XXXX at XXXX PST have all told me different things, have all offered erroneous solutions, and have not a single one of them actually done anything to resolve the issue. 

So I 'll close as I began ... Navient is either completely incompetent or blatantly dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Ad Astra Recovery Services Inc
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report in XX/XX/XXXX. I saw a from AD Astra saying it was owed to a company name XXXX XXXX in the amount of {$590.00} from XX/XX/XXXX. I sent the company a letter XX/XX/XXXXcertified mail asking them to send me the contract I signed and to validate the debt. They sent me a letter stating it is valid and a contract with my name printed on the form with an address that does not belong to me. This debt has not been validated and they refuse to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Asked original plan documents and proof of late payments

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 2022-08-12
Company: EQUIFAX, INC.
State: FL
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:
According to 15 U.S.C. 1681 ( a ) ( 3 ), Congress makes it clear that Equifax, a consumer reporting agency, assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I, XXXX XXXX, am a consumer who never gave Equifax permission to do this. Equifax did not have my consent. 

Because Equifax assumed this role, in 15 U.S.C. 1681 ( a ) ( 4 ), there is a need to insure that Equifax exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy. Equifax did not exercise their grave responsibilities. Equifax were unfair, impartial, and did not respect my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I called Experian, I have a user & password, also PIN. I can't login to their site. 
I have called approx. 7 different phone numbers over the past couple of months. 
( I also sent them an email last night, & it was returned! I couldn't read any info, therefore it was disposed of in Spam! ) Cust Serv. # XXXX, XXXX, XXXX, XXXX. 
No one answers any calls! 
I don't want to change PIN, or password. This creates more problems on my computer when doing so!

They have been written down on 2 reports, First 1 I had received is dated XX/XX/XXXX & second is datedXX/XX/XXXX. 
I haven't seen any reports since then! Therefore they didn't fix the problem!

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 2018-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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 customer service

Complaint:
When signing on to Capital One 's website to pay our credit card bill I found that our account was " locked ''. I called in and were told that they could not give me any information until I proved I was me. They asked me the verification questions, which I answered correctly but then said I needed to send in a copy of my driver 's license which I did. I called back in and was then told I had to send in a copy of my Social Security Card and a household bill. After all this, they finally unlocked the account but when I called in, they could only tell me that there was a " suspicious call '' on our account. The XXXX in XXXX XXXX XXXX, XXXX emp # XXXX, could not give me any information. Additionally, she would not allow me to close the account and open anther account. In all, this took over two ( 2 ) weeks to resolve. We have other credit cards and will be closing this account but Capital One 's behavior is absurd and abhorrent.

Company response to consumer: Closed with non-monetary relief