BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-27
Company: JPMORGAN CHASE & CO.
State: GA
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 pulled up my XXXX XXXX and noticed i have a lot of credit inquires that I did not authorize that were done on the same day. There were a total of 10 inquires done on XX/XX/2018. This is preposterous I have knowledge of these inquires. I was looking for a car at the time but did not authorize any dealer to run any hard inquires on my credit. Banks are giving me a very hard time behind this and its seems like I have definitely been taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My correct date of birth is not reporting correctly on my credit report. 

1988 Different addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2020-05-04
Company: Paypal Holdings, Inc
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
First, I am a XXXX Senior with high underlying medical issues that is a HIGH RISK for the Corona Virus. CDC advised people of XXXX with High-Risk Medical Issues to stay at home. I filed a dispute of charge with Paypal but will not assist with the issue. Although the Pandemic Virus is deadly for me and no specific XXXX XXXX Policy for issues like this. I've had to skip monthly payments due to no additional funds coming in for me and creates a financial hardship. XXXX XXXX should refund the money on my Paypal Smart Connect Account because they are placing my life in danger to keep their revenue. 
Normally, I do not fly but wanted to participate in a Family Vacation. 
On XX/XX/2020, I placed reservations from XXXX to XXXX XXXX, CA for a cruise but there were more Senior citizen deaths, and more people diagnosed positive for the virus. I called XXXX XXXX to see how they were handling reservations with unavoidable issues. On a fixed income with a medical issue such as XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, and mainly respiratory issues. I needed to cancel the flight and cruise ... unfortunately I would have lost over XXXX for the cruise and XXXX for the flight, Therefore, XXXX XXXX offered one option and that was a discount on the flight. There {$200.00} they could have refunded but would not so place it to be used on a future flight. I explained I do not fly so it would not benefit me but they would not refund it. On today XX/XX/2020, XXXX canceled the cruise because it wasn't safe for the XX/XX/2020 cruise. Fortunately, XXXX cared more about their customers and provided 2 options. I decided to request the second option of which 100 % refund. I do not understand why XXXX XXXX does not assist its customers, especially Very High-Risk Medical Issues. XXXX XXXX would rather risk the customer 's life than lose their bottom line/revenue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: ID Analytics, 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 status incorrect

Complaint:
I have other XXXX XXXX credit cards. I applied for onXXXX with XXXX XXXX and thought that I may qualify for a card. However, I was denied the card and the letter said that my credit score was incredibly low at XXXX, which I know is not correct at all. Additionally, XXXX XXXX improperly stated that I have too many serious derogatory items, of which I don't have any derogatory items. I don't think it is fair that a company can IMPROPERLY note or share that my credit is XXXX, inaccurate and it looks like they may have someone altogether. i can provide a credit report and it definitely doesn't show any of the aformentioned, while this company improperly shares my information.

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 2017-11-27
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I lost access to an email I used to set up my first account on Coinbase. When I login using that email, I receive the SMS text message authorization, but the second step sends an email to the account I lost access to. So, I know the coinbase account is still active. They have guidelines for how to remedy this situation. I followed them by creating a new Coinbase account and uploading my driver 's license so they could verify I am the owner on both accounts. I have contacted them several times, but never get a response. 

Contacted them on the below dates : XX/XX/XXXX ( # XXXX ) XX/XX/XXXX ( # XXXX ) XX/XX/XXXX ( # XXXX ) XX/XX/XXXX ( # XXXX ) I have included snapshots of the emails with the case numbers created at the bottom of each. I purchased XXXX bitcoin in XX/XX/XXXX for {$95.00} and is now worth over {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Bread Financial Holdings, Inc.
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I opened an account with Comenity Capital Bank sometime in XX/XX/2022. I received my first statement in XXXX and paid off the balance of {$360.00} on XX/XX/2022. But they also charged me the next day XX/XX/2022 for {$360.00}. See Exhibit # 1 on our bank statement attached. 
I have called this company twice and was told that my payment had been returned. No-one could tell my how or why. I tried to explain that this was a debit transaction and there was no way that could happen. It did not matter. If you look at my account balances at this time, my account was never close to being in the negative. My wife also works for XXXX XXXX XXXX XXXX XXXX. My account have NEVER been negative. 
After we received no help from their customer service reps, my wife spoke to her employer ( SLFCU ) and filed a dispute. We received a provisional credit XX/XX/2022 of {$360.00}. See Exhibit # XXXX on my bank statement. 
On XX/XX/2022, I received a check from Comenity Capital Bank for $ XXXXWhy? if we had returned a check to them? My wife let her employer know the dispute had been settled and that I had received a check from Comenity Capital Bank. XXXX reversed the provisional credit of {$360.00} on XX/XX/2022. See Exhibit # XXXX of my bank account. I deposited the check from Comenity Capital Bank on XX/XX/XXXX. See Exhibit # XXXX. We should be paid off now right? Nope. The next statement I received now says i owe them {$360.00} plus a {$30.00} returned check fee. I don't owe them ANYTHING and no-one will listen to me when I call or even try to help me. I have paid my last two minimum payments so they don't report bogus information on me. I want this closed. I want my two {$30.00} payments that I made for XXXX and XXXX and I want the XXXXwo {$9.00} I was charged for the two payments I made that I do now owe. I want this card closed and to never hear from this company again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is reporting incorrectly on my credit report XXXX XXXX XXXX XXXX XXXX Incorrect address are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2017-11-27
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
My account was overdrawn this week. That evening, I received an email from bank stating that I could incur charges on day 7 of being overdrawn. I made a cash deposit the next day. I then found out that they had already deducted {$100.00} in fees. They then began charging my account for several subsequent transactions which they claim put my account into a negative balance, totalling {$210.00}. One of the fees charged was for the institution 's own $ XXXX monthly fee. I was unable to rectify the problem at my local branch or at the help phone number.

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 2020-05-04
Company: EQUIFAX, INC.
State: CA
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 have attempted to unfreeze my credit with Equifax, and they required that I mail documents to them. After I did so, I did not received a reply of any kind, in writing or digitally, from them. My online " myEquifax '' account continues to be locked out, and my credit frozen. It has been over two months since the request was submitted, and they calling them on the phone has been less than helpful, as I have either been unable to get through, or the agent on the other end hasn't been able to resolve my issue. 

It is starting to feel like an obstructionist tactic to push people to sign up for paid credit locks, by making the process to unfreeze a credit account slow, frustrating, and cumbersome.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: OH
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 had applied for credit cards and applied for an auto loan and they were only supposed to use their company but ended up showing multiple other companies on my credit report such as XXXX XXXX XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX XXXX on 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 non-monetary relief
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: TX
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:
The address updated incorrectly. - Wrong zip code XXXX XXXX XXXX XXXX, XXXX TX XXXX Address - Apartment complex This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted - Dispute this Address XXXX XXXX XXXX, XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: EQUIFAX, 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:
I submitted information to XXXX XXXX XXXX XXXX XXXX XXXX ) involving an account that they are reporting on my credit file. After review of the information, they agreed to remove the account from all reports. XX/XX/XXXX and XX/XX/XXXX XXXX and others ) removed the account immediately. After dispute, Equifax still would not remove the account. I have re-confirmed with XXXX that they are no longer reporting this and agreed to remove it. This means that Equifax reported by wire and mail that they fraudulently investigated this account and provided fraudulent results that XXXX has refuted - in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/2019 I received a letter from one of my credit card companies named " BARCLAYS ''. I'm not a new card holder with BARCLAYS, but I've been holding their card for many years. I was shocked that Barclays was the ONLY bank from the banks I hold their cards, asking me to confirm my name, physical address, and the thing that offended me the most is questioning my citizenship ( see their attached letter/copy ). I took offence because they are claiming the USA Patriot Act is the reason for their questioning, at the same time, NO other banks sent me such letter and I have few credit cards! I want your office to understand that I don't have checking, saving or any other accounts with Barclays except the credit card ending in XXXX. I'm the sole user of the card that I been carrying for few years. I'm not convinced that EVERYONE that is a credit card holder with Barclays was mailed this exact letter. My belief tells me this is a " Racial Profiling '' case. I'm wondering if my name for example was " XXXX XXXX '', would I have received such a letter? I am a U.S. citizen living in the U.S. for the past 38 years. I'm filing this complaint with your office with the recommendation of State of Minnesota Office of The Attorney General, to investigate if Barclays sent this exact letter to ALL of their credit card holders OR only a selected few. As you can see in their letter, in bold lettering they are threatening to close the account by XX/XX/2019 if I refuse to submit the information. I'm more than happy to close the account myself if indeed it turns out to be racial profiling. Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: Mountain Run Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have told this company repeatedly for years to stop calling me. They have even called my mother and told her I would be prosecuted if I didnt pay. They have told me the same thing. The debt is not even valid, and they will not leave me alone. 
Most recently I was contacted via text on XX/XX/21. I asked them to have no future contact and they replied again. I also made it clear that I do not wish to be contacted by any means. They crossed the line when they called my mother a few years ago, and continued to call me after I asked them to stop, while always threatening criminal action.

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 2018-12-10
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Company has failed to properly investigate my identity theft claim. I've mailed and faxed in sufficient documents to support my claim. The credit reporting agencies have send back electronically verified responses. When i call, im unable to get anything resolved over the phone, the most helpful reps have all been located outside of the USA. i've attachment documents to be re-reviewed, hopefully i will get some assistant with the help of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Reviewing the online payment history, I found that the company has, again, misapplied a payment. On XX/XX/XXXX, per my telephone conversation with XXXX, {$1200.00} was paid to be applied {$1100.00} to pay the XX/XX/XXXX payment and {$84.00}, plus the amount of {$1000.00}, which for absolutely no known reason has been kept in a suspense account, to make the {$1100.00} payment for XX/XX/XXXX ( confirmation # XXXX ). However, the payment history online reflects the full {$1200.00} being applied to the escrow account on XX/XX/XXXX. This presents one major problem, as the company has been reporting my account as late this whole time, which if the XX/XX/XXXX payment was properly applied, is not the case. Also, had the XX/XX/XXXX payment been properly credited I would not have had to increase the XX/XX/XXXX payment to again add the extra to the amount held in suspense so it would be credited as a full payment. LoanCareXXXX XXXX owes me {$84.00}. 

The company was contacted on XX/XX/XXXX to catch up on payments amidst the COVID impact on our financial situation by arranging to have a payment of {$1200.00} deducted from a specific account on XX/XX/XXXX ( confirm # XXXX ) and again on XX/XX/XXXX ( confirm # XXXX ). For a reason that no one can explain to me, {$2000.00} was deducted from a different account on XX/XX/XXXX, which over drafted that account. A stop payment had to be placed on that ACH with my bank to restore the account. Because the payment was reversed the company continued to report my account as past due, however, had they properly processed the XX/XX/XXXX and then XX/XX/XXXX payments, the account would not have been past due. In addition, the company then charged me for the stop payment! It was your company who processed an ACH for an unapproved amount from an unauthorized account! This {$40.00} fee must also be refunded to me. 

Prior to this, I thought the company was helping me by allowing a payment forbearance. However, at the end of the term of the forbearance, on XX/XX/XXXX, I received a letter requesting payment, in a lump sum, of {$11000.00} was due by XX/XX/XXXX or face foreclosure. This was not explained to me when I accepted the forbearance. It was by the grace of XXXX that I was able to quickly put together enough money to avoid further negative action on my mortgage. Further, it is my understanding that for XXXX XXXX backed loans, which my mortgage is, a bank can not require that the missed payments, or portion thereof, can be demanded to be paid in a lump sum payment after the forbearance period. 

Prior to this was no picnic for me with your company either. Attached is a copy of my email of 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 2021-01-29
Company: EQUIFAX, 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:
I have dispute the accuracy of an account with XXXX XXXX under Section 609 FCRA which requires specific records to be produced by XXXX XXXX as stated in Section 609 FCRA requiring XXXX XXXX to produce copies of written contracts or agreements, copies of my identifying documents submitted to obtain an account with XXXX XXXX. As previously stated in my attached letters, this is an identity theft claim since I did not open an account with XXXX XXXX at any point. I am also attaching an article from XXXX XXXX pertaining to a lawsuit filed by The Federal Trade Commission against XXXX for engaging in the very same misconduct that XXXX XXXX is currently engaging in. I reassert my complaint and notice of dispute under Section 609 FCRA for XXXX XXXX to provide copies of written contracts and or agreements under Section 609 FCRA, in addition to providing the identifying documents used to open the account with XXXX XXXX under Section 609 FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
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: Personal information incorrect

Complaint:
I changed my legal name in my local circuit court on XXXX. Then changed with XXXX and Virginia XXXX. Also changed with 36 banks and online vendors. It has been over 2 months now and the 3 credit reporting agencies have not picked up my new name. Several services such as XXXX XXXX depend on the CRAs as their source of information and won't update it directly. So I suffer because of the delinquency of the CRAs. I have tried to file disputes, but they don't have a way to dispute your name of record. What can I do to get this messy business of legal name change finally cleared up and resolved?

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 2020-05-05
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
I had leased a XXXX  XXXX XXXX from Toyota Financial which ended up in a total loss and was paid off by my insurance. Toyota financial keeps reporting a balance owed of {$8600.00}. I notified them through phone and writing. It has been 2 months and they will not update my balance to {$0.00} even though they are verbally confirming the balance owed is {$0.00}. This is taking a negative effect on my credit score.  Please update all credit bureaus balance to {$0.00}.

Company response to consumer: Closed with explanation