BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
Dear CFPB, XXXX has made a huge erroneous mistake on my credit report, as you may know I have been disputing items on my credit report. Equifax open a dispute for my two credit cards that I just opened two months ago with CAPITAL ONE XXXX and XXXX, now it has been deleted off my credit report!! deleted from XXXX  credit file and XXXX credit file, XXXX is not reporting this months balance. I NEVER disputed these account as per letters I have sent copies to CFPB, I ask Capital One to please disregard this dispute as it was an error done from XXXX ( I'm trying to built my credit and need these accounts to reflect on my credit file ) If possible to please start reporting again on all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-27
Company: Coinbase, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Wire transfer completed on XX/XX/XXXX from my local bank for {$12000.00} to Coinbase, INC. Coinbase says wires are posted to your account the SAME DAY day if received by XXXX EST, they received my wire at XXXX EST on XX/XX/XXXX. The wire as of today XX/XX/XXXX the funds have not been credit to my Coinbase account. I have emailed the company multiple times only to receive generic responses that do not resolve my lost wire. 

XX/XX/XXXX - I emailed XXXX to say my wire has not been posted. Coinbase responses on XX/XX/XXXX with a generic mass message saying it could take XXXX days from the when the wire was completed ( already over 20 days received ) and have me a link to case # XXXX which says it was specific to my case status but the link takes me to a their general FAQ page. I responded on XX/XX/XXXX to this email asking them to reverse the wire immediately and attached the wire confirmation information my local bank provides to me. No response as of XX/XX/XXXX. 

XX/XX/XXXX - I emailed XXXX asking where my funds are, they sent back a mass response generic message saying it could take several days and if I the wire was not posted in 2 business days reply with case # XXXX. They also gave me a link to follow up on the case but it goes to the general FAQ page, not my specific case. 

XX/XX/XXXX - I relied to XXXX to say my funds were still not in my account. With no response. 

XX/XX/XXXX - Replied again to XXXX saying the funds have not been posted. No reply from company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
Dear CFPB, XXXX  has made a huge erroneous mistake on my credit report, as you may know I have been disputing items on my credit report. XXXX open a dispute for my two credit cards that I just opened two months ago with CAPITAL ONE XXXX and XXXX, now it has been deleted off my credit report!! deleted from XXXX credit file and XXXX credit file, XXXX   is not reporting this months balance. I NEVER disputed these account as per letters I have sent copies to CFPB, I ask Capital One to please disregard this dispute as it was an error done from XXXX  ( I'm trying to built my credit and need these accounts to reflect on my credit file ) If possible to please start reporting again on all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-29
Company: Experian Information Solutions Inc.
State: MO
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:
Due to my identity being compromised from the theft of my identification it has lead to disperacies and fraudulent accounts being abused via my credit file. I'm asking that these accounts be removed immediately and let my true credit worthiness reflect that change. Please remove these accounts 1 ) XXXX XXXX {$600.00} 2 ) XXXX XXXX {$140.00} If the credit reporting agencies can not provide me with physical documentation then these accounts shall be blocked immediately

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 2018-01-27
Company: JPMORGAN CHASE & CO.
State: CA
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:
A {$500.00} charge was initiated on the card by XXXX App on XX/XX/XXXX. The merchant promised to deliver 2 {$500.00} gift cards for this amount. The promised delivery date was XX/XX/XXXX. The merchant was contacted multiple times and eventually they promised a refund after the delivery date was missed. I have proof of these contacts. 

After receiving no refund, I opened a dispute on XX/XX/XXXX. According to my billing statement, it looked like the merchant had refunded me manually since the {$500.00} credit did not say anything about a temporary credit. I then canceled the dispute assuming that it was resolved. I contacted Chase via secure message to let them know I am ONLY canceling the dispute under the assumption the merchant has done a refund on their end. This was obviously not the case, and on XX/XX/XXXX Chase rebilled me {$500.00}. 

I contacted Chase on XX/XX/XXXX and was told I needed to fax in a letter to reopen the dispute and get the {$500.00} credited back. I did so the same day. I then contacted Chase on XX/XX/XXXX to check on the status, and Chase informed me they had not received the fax. I was told that I needed to send it again to reopen the dispute. I have confirmation that the fax was submitted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I went to open account at XXXX XXXX tried opening online it said congratulations they sent my card I went to bank was gon na make deposit said they closed my account it was on early warning got in contact with Wells Fargo they told me someone opened account under my name Now I cant open bank account never called back never took me off list Now what shall I do 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 non-monetary relief
Consumer complaint received 2018-01-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX, I first filed a dispute with XXXX regarding 2 bankruptcies reporting inaccurate information. It came back verified. Which is not true it is stating I filed in XXXX, NC and XXXX, NC which is incorrect as well as the date filed and dismissed. It also states that there is {$0.00} liability and {$0.00} claim which is also a reason it should not be listed on report. I also attached with the new law that passed XX/XX/XXXX that they are also not complying with. I will like both bankruptcies removed from my credit file asap due to inaccurate information. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: Paypal Holdings, Inc
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
PAYPAL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Corporate Phone Number: XXXX
Fax Number: XXXX
Email Address:XXXX  I PURCHASED A USED ENGINE FROM A COMPANY IN TEXAS. THEY USED MY CREDT CARD TO PURCHASE ($XXXX) THE ENGINE IN MICHIGAN. AND CHARGED ME $XXXX ON MY PAYPAL ACCOUNT. THE ENGINE WAS NOT THE RIGHT ONE. THE COMPANY REFUSED TO REPLACE OR REFUND MY MONEY. I FILED A COMPLAINT WITH PAYPAY UNDER THEIR BUYER PROTECTION PLAN. THEY SAID THAT THEY WOULD REFUND MY MONEY IF I RETURNED THEENGINE  TO THE ADDRESS OF RECORD THEY HAVE FOR THE MERCHANT WHICH IS IN XXXX!!!!!

PAYPAL DISPUTE #XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
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: Their investigation did not fix an error on your report

Complaint:
Any information that is not physically proven to be compliant to every and each or all of the client 's State and or federal reporting laws must be returned to compliance even should that requisite annulment of item 's reporting..No entity is with authority to retain or report any allegations not demonstrated by certificate of fact to be fully TRUE, CORRECT, COMPLETE, TIMELY.The account payments history is not accurate.. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX, I first filed a dispute with XXXX regarding 2 bankruptcies reporting inaccurate information. It came back verified. Which is not true it is stating I filed in XXXX, NC and XXXX, NC which is incorrect as well as the date filed and dismissed. It also states that there is {$0.00} liability and {$0.00} claim which is also a reason it should not be listed on report. I also attached with the new law that passed XX/XX/XXXX that they are also not complying with. I will like both bankruptcies removed from my credit file asap due to inaccurate information. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Strategic Alliances, 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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt listed on my credit reports that I have no knowledge of. The collection agency is unknown and the original debtor is pretty vague. It does not give any details to what type of account nor does it specify any remarks. This debt is not mines.

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 2019-06-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I can't apply for ANYTHING, every letter I get says " unable to verify your identity ''. 

I never asked for a security freeze so I don't know why the credit reporting agencies won't give anyone my information. 

My life is basically on hold, this is unfair. I have great credit but no way to take advantage of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A XXXXXXXX account was issued in my name without my knowledge. The account was transferred to XXXX XXXX , XXXX, a collection agency in XXXX. I was only notified via a letter of the outstanding balance. I called XXXX and notified them it was a fraud account along with notifying XXXX-XXXX. XXXX I was notified by a separate debt collection, Diversified Consultants , Inc . I've notified them of the fraudulent account. This has now impacted my credit score via a XXXX   derogatory remark.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/2017, I spent {$100.00} on a NetSpend Prepaid Debit Card. {$100.00} of that was to be credited onto the balance of the prepaid card, while {$2.00} of that was paid towards the activation fee of the card. 

After purchasing the card, I called NetSpend customer support to activate the card, so that I may use it. They presented me with too many hoops and hassles to use a simple prepaid card product, so I instead requested a refund for my purchase. The customer service representative obliged my refund request, and voided my card. The balance on my card was deleted and my card was rendered unusable. He told me that a check would arrive in the mail for {$100.00}, as my refund. 

About three months later, I called in again to ask about the status of my check, because I had still not received it. They told me they would send it again, but still did not. 

Now, it has been over 7 months since they were supposed to send me my refund check, and they still have not. When I call them, they purposely make the process as hard for me as possible. They ask me to send in all sorts of documents to them, to prove my identity and address, when all I want is a refund of my own money. 

But anyhow, I oblige them and send them the documents they request. Most recently, they requested proof of address in the form of a utility bill or bank statement. I sent them said document to the email address they provided. 

Then, I get a response in the email saying that this isn't the proper procedure, because I have no reference number. Yet, I was never ever given a reference number. 

Nobody at NetSpend is willing to resolve my issues. They only bounce my issue back and forth between departments, so that nobody is ever going to help me. I only want my refund check of a {$100.00}. They have already voided the prepaid card I purchased, so it is only right that they refund me the money. I have received nothing for my {$100.00} purchase.

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 2019-06-29
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Credit bureau refuses to remove/delete negative items even after I submitted a FTC identity theft 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 non-monetary relief
Consumer complaint received 2020-02-09
Company: Experian Information Solutions Inc.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
There are inaccuracies on my credit file that have been trying to resolve.

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 2018-01-27
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I close my account, because I made a payment earlyer then, the date before it was due, I paid a XXXX dollars on the payment it was only XXXX and I paid a XXXX thinking that enough for 3 payments, so I didn't pay XXXX, customer service call telling me I missed a payment, so I tried to explain to her what I did, she wouldn't accept it, so I sent in two payments to get back on track, payments of XXXX, I wasn't please with the way customer service talk with me, so I made a loan and paid them off, I call and ask them to put my credit back to good standard, they said they couldn't. My credit score was at XXXX, and now down to XXXX, please help. My ID was stolen in2012, and I reported it, I have indents thefs on my record. please help I'm XXXX yrs old, and also .I never lived in XXXX Ga . Thanks.

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 2018-01-27
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 information incorrect

Complaint:
On my transunion credit it shows I work at XXXX which I don't.

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 2018-01-26
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
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:
I never authorized Onemain to inquire about my credit history, they have a hard inquiry on my report that i want removed because i never authorized them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: Experian Information Solutions Inc.
State: VA
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:
After an internal investigation, XXXX XXXX XXXX concluded I was indeed a victim of opportunistic identity fraud and requested this fraudulent line of credit be removed. Correspondence was sent from XXXX to Experian and XXXX requesting the removal of this trade and all things associated with it which includes those inquiries. I myself have also submitted documents and still it remains.

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 2018-01-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This account I have disputed but it appears on my file still. The original dispute took longer than 30 days for the merchant ( XXXX XXXX XXXX ) to respond. It has since been on my credit longer than 7 years. The company keeps changing the dates which extends the date that this should fall off.

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 2019-06-29
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/19 at XXXX I answered a phone call from southwest credit systems group llc out of XXXX Texas , called from XXXX. I verified what is my address with the woman on the line. She proceeded to try to collect 45 dollars from a toll from a few years ago. I asked her to please verify the debt and she spouted off more personal information and told me I will receive a " ticket/citation '' from the company if I dont pay and it's like {$200.00}. I asked her like from the police and she said yes a ticket just like the ones they give you. I tried to press her on if it was a civil or criminal issue and what will the citation be for surely not from the city and she deceptively assured me it's just like.those I have to call the parent company to talk.about the tickets and citations given out though. I got transferred to a manager and she tried to verify my information as the last woman did and when I gave her the address of XXXX like I gave the first woman she said it's not what they have on file. She then told me.she couldn't discuss the account with me bc I didnt verify the info correctly. I asked why the first rep did and she didnt have an answer. So the first person i spoke with gave out handfuls of personal and account information to somebody that improperly verified. Alot of information. That's not okay. I asked for a copy of the call.amd was sent to another executive 's line. They are not verifying that the people they speak to are debt holders and giving away alot of personal information. Please help us from these unsafe tactics I hope no one else has called in and just been given random account and personal information that's dangerous and illegal via the cpfb. Thank you guys for everything yall.do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I can't apply for ANYTHING, every letter I get says " unable to verify your identity ''. 

I never asked for a security freeze so I don't know why the credit reporting agencies won't give anyone my information. 

My life is basically on hold, this is unfair. I have great credit but no way to take advantage of it.

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