BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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: Problem with personal statement of dispute

Complaint:
Upon inquiry into my credit report I noticed that Capital One credit card reported a late payment in XX/XX/2018. I disputed this error with both XXXX and Capital One. XXXX made the dispute and contacted Capital One, Cap One would not change the late payment and I subsequently contacted them and they wrote back saying that they do not agree and that the late payment stands. 
I was never 30 days or more in paying late to Cap One, from the due date. They claim that I paid {$20.00} in XX/XX/2018 instead of the minimum of {$25.00}. My statement in XXXX shows not 1 but 2 payments, 1 on XX/XX/XXXX for {$25.00} and another on XX/XX/XXXX for {$40.00}. My XXXX statement reflects a payment on XX/XX/XXXX for {$20.00} and a " past due fee adjustment '' of {$35.00} on XX/XX/XXXX. I was also charged a past due fee on XX/XX/XXXX for {$25.00}. I paid {$80.00} on XX/XX/2018. 
Since consumers are protected under fair lending if they pay within 30 days of their due date, they should not receive a harsh penalty of late payment reflected on their credit report for paying less than their minimum due. In this case I was not late more than 30 days from the due date and I paid more than the minimum due. My credit standing should be changed and not marked as late for XX/XX/2018.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

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 2021-04-13
Company: Chime Financial Inc
State: IN
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:
Made a purchase for 3 items ending up returning the items with the prepaid label enclosed by the merchant. Merchandise was received by the merchant. The merchant didn't issue the full refund. provided proof of return to Chime and chime has denied the claim several times. I am due a refund of {$160.00} Chime unwilling to fix this issue. even with all requested proof being submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
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: Information belongs to someone else

Complaint:
I am filing this complaint because I am a victim of identity theft and have been going back and forth with both of the bureaus and companies for over a year and nothing has been done. I have requested proof of their investigations and received nothing. i have requested proof of my agreement and received nothing. I requested a contract or copy of my id or signature and received nothing. I have have attached a copy of my identity theft report and a copy of my drivers license as proof of my identity and have received nothing. I have even started the process of taking legal action but was advised by an attorney to file a complaint with this forum and request they delete and block these items pursuant to section 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act and that under this section these items must be deleted and blocked and an updated report showing these removals be sent to me.

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 2018-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am filing this complaint because I am a victim of identity theft and have been going back and forth with both of the bureaus and companies for over a year and nothing has been done. I have requested proof of their investigations and received nothing. i have requested proof of my agreement and received nothing. I requested a contract or copy of my id or signature and received nothing. I have have attached a copy of my identity theft report and a copy of my drivers license as proof of my identity and have received nothing. I have even started the process of taking legal action but was advised by an attorney to file a complaint with this forum and request they delete and block these items pursuant to section 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act and that under this section these items must be deleted and blocked and an updated report showing these removals be sent to me.

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 2018-01-24
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
i am XXXX XXXX, XXXX claim on my account {$3000.00} and inform the credit bureaus long time before and after i call in XXXX /2017 regarding this is a false claim, then they respond me that the claim will resolve and it is a false claim in your account, so we will remove in 30 days and informed the credit bureaus and remove from your account.but as of today they did not remove from my account.and when i call they says again to wait 30 days from today. but i cant beleave that they can do that. they are playing with my credit from last one year. the claim no on 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 2021-04-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I comsumer XXXX, XXXX, XXXX entered into a consumer credit transaction with XXXX XXXX Bank in are around 2015. I used my credit card as defined under 15 USC 1602 ( l ). I've never conducted any business with this company PORTFOLIO RECOVERY. They have violated numerous consumer rights. I've sent them a consumer enforcement settlement order do to those violations, but haven't heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: SYNCHRONY FINANCIAL
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I received a line of credit from Synchrony bank in XXXX of 2017. I was not notified of payment dates and when I contacted the bank I learned that {$200.00} was added on to the principal up front. The origin amount of the loan was approximately {$5600.00} and the amount that I owed Synchrony less than a month after the loan was given was approximately {$5800.00}. I also learned there was a {$10.00} fee to make a payment with person VS. an automated system. The automated system only gave the option to speak your answers and got my my information incorrect 4 times. I paid the loan off in order to protect myself from any further fees that may be added to the loan.

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 2021-03-08
Company: EQUIFAX, INC.
State: FL
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 sent countless letters to equifax about multiple inaccuracies on my credit report. Equifax is continuing to report this account with XXXX. The original creditor who was XXXX  XXXX removed this account. However, XXXX is still reporting this. Ive attached a copy of my consumer report which indicates this debt was satisfied and deleted!!! Yet XXXX is still reporting this please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
on XX/XX/XXXX my mortgage was transferred from XXXX XXXX XXXX to Arvest Central Mortgage. During the process the total amount transferred was short by {$9.00}. 
Normally I would let this slide. However during the process, both companies took the XXXX payment from my checking account which sent it into overdraft and I was charged a {$38.00} fee from my bank. Since I didn't have enough funds in the bank to cover 2 mortage payments, The payment to Arvest did not clear, and they charged me {$25.00} isf fee  among other things. 
When I received my year end tax documents, I noticed the {$9.00} discrepancy and contacted both companies. 
In XXXX of XXXX Arvest responded that they were aware of the problem and it would be resolved within weeks. 
In the last year I've reached out to Arvest as to the status and have received no response from them. At this point they should pay a late fee as well as interest on the {$9.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: CURO Intermediate Holdings
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY, AD ASTRA RECOVERY SERVICES INC, PURCHASED A BAD DEBT FROM ANOTHER COMPANY THAT REPORTED THE DEBT AS A " CHARGE-OFF ''. THIS MEANS THE ORIGINAL COMPANY THAT AD ASTRA RECOVERY SERVICES INC PURCHASED THIS BAD DEBT FROM, WROTE IT OFF AS A LOSS ON THEIR TAXES. WHEN AD ASTRA RECOVERY SERVICES INC PURCHASED THE BAD DEBT, THEY MADE AN INVESTMENT ROOTED IN FRAUD BECAUSE I WAS NOT MADE AWARE THAT MY PERSONAL INFORMATION WAS BEING SOLD OR SHARED. I HAD NO INVOLVEMENT WHAT SO EVER IN SAID TRANSACTION. THIS IS AGGREVATED IDENTITY THEFT ACCORDING TO 18 USC 1028A. 

According to 15 USC 3002, I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. Pursuant to 15 USC 1692 ( a ) 1 the term " Bureau '' is defined as the Consumer Financial Protection Bureau ; therefore XXXX, XXXX, and XXXX are assuming this role. They are only credit reporting agencies that assumed the role of collecting, selling, and sharing information without my written consent. 

On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. Which mentions the following " ... ..every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts, is unconstitutional. '' AD ASTRA RECOVERY SERVICES INC is in direct violation of 15 USC 1692e which states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Debt is defined as any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment according to 15 USC 1692a ( 5 ). 

According to 15 USC 1692k will be held civilly liable for violation of my consumer rights, I am seeking compensation for damages or litigation will be pursued. I also have proof from a prior complaint with AD ASTRA RECOVERY SERVICES INC of them admitting to committing fraud and aggravated identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
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:
I have wired XXXX on XX/XX/2017 to Coinbase. Still have not see money deposite to my Coinbase account. I have email to them many times. Feel those reply is by computer. Not real person. Msg to Coinbase employees XXXX on rebbit, no reply. I create case # XXXX I have they will solve this problem ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 submitted a letter of dispute to TransUnion originally in XX/XX/2020 I received confirmation and results. I proceeded to dispute those results as the information listed on my account are still reported in error. I requested they check each item on my credit with the credit grantor that's reported the information. I also requested that any information that can not be verified be removed from my credit report. TransUnion failed to reply to my request but did however acknowledge that they had received my request on XX/XX/2020, and we have surpassed over 50 days. I was the victim of ID Theft and there was a police report filed regarding a house that was placed on my credit and that has since been removed. The was also an alert placed with all 3 credit bureaus regarding being a victim of ID Theft that recently expired so TransUnion was aware.

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 2021-12-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I SUBMITTED MY COMPLIANT AND THEN I RECEIVED THESE LETTERS STATING THAT SOMEONE ELSE SENT THE INFORMATION. I SUBMITTED THE INFORMATION FOR MYSELF.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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: Information belongs to someone else

Complaint:
I SUBMITTED MY COMPLIANT AND THEN I RECEIVED THESE LETTERS STATING THAT SOMEONE ELSE SENT THE INFORMATION. I SUBMITTED THE INFORMATION FOR MYSELF.

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 2019-07-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24
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:
On XXXX-2018 my Bank sent a wire transfer of {$800.00} to Coinbase and they keep assuring me I will get the money back, but I still have not received it. It has been 19 days now. Their complaint support email asked for the XXXX tracking number from the bank transfer which I did send them. It is not possible to contact them by phone and their emails just keep saying the same thing, that they are busy and will get back to you. I just want my money back and will never do business with them again. Please help. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
During the first week of XXXX, I was informed TD Bank initiated to close my account and I would receive my remaining account balance in form of a check sent through the mail. Since that time, I have gone to the branch multiple times, stood for long hours under the sun, and on some days in the rain-soaked wet which made me very very unhappy because I am sick ( being in those conditions is dangerous for my health ) and after all those distressing waits the only answer I kept on getting was " the account is not closed yet but will be closed and I would receive a check in the mail. '' When will it be closed? Why is it not closed yet? I never got an answer to those questions. 

I resorted to getting somebody from a different office on the phone hoping that they couId help me solve this issue but I was just taken back to the same problem. I spent so many hours on the phone to be repeatedly told by each and every customer care agent the same exact thing that I should go to the usual branch I went to on XXXX XXXX XXXX XXXX and they would close the account then they would either hand me a check or send it in the mail. This never happened and whenever I went to the branch office I had to go through the same heart-breaking experience. Imagine yourself going to the bank about twice a week, WITH A HEALTH CONDITION standing under the sun and sometimes under the rain. This could cause me serious health consequences during a time when any sickness could be fatal. 

Today the branch manager XXXX XXXX XXXX told me the same thing he has been telling me for the past months that he is sorry but there is nothing he can do for me and this is out of his hands ; how is this a solution from a branch manager. An account closure is not so complex but why is my situation different? I never had an answer to that. I told the branch manager I am honestly very annoyed and have tried my best to be as humble and polite as possible but it is clear they are unwilling to help me. 

I have tried every possible polite way to get this resolved. Frankly, I am very angry and disappointed. I have suffered physically, financially, and mentally just to get an account closed. I should not have to go through all of this just to get my money back. 

Please help me close my account and send me my balance. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There are two parts to this issue. 1st : Fraud on my bank account while I was hospitalized. The bank had sent me a new debit card & it was stolen from my mail box. Whoever, also scanned in fraudulent checks for deposit & then used that money to run my card. All fraud activity was done onXX/XX/XXXX & XXXX, XX/XX/XXXX on my debit card ending in : XXXX. The total including overdraft charges equaled {$780.00}. That amount was deducted from my S.S. direct deposit of {$1000.00} on XX/XX/XXXXleaving {$260.00} cash of MY funds. 2nd : Seeing that the {$780.00} had cleared, I used the NEW debit card, ( ending in XXXX ) the bank sent me when I reported the fraud to pay my phone bill of {$32.00} on XX/XX/XXXX. The XXXX was withdrawn on MY funds yet on XX/XX/XXXX the bank reversed that charge. The bank had made an error, including that charge in the fraud case. The person I talked to said that they had a right to recover their provisional credit? XX/XX/XXXX they deducted that amount from my acct. & so my acct went into OD again..now I am in collections for $ XXXX- all OD charges because of their error! They said that I either initiated, took part in or benefited from the original fraudulent activity! I most certainly did not! I am XXXX yrs and in bad health. I need my S.S. I have a mountain of paperwork and I cooperated with their requests. Can you help me get out of collections and get the money they took from me? 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 monetary relief