BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: PA
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:
THis is XXXX XXXX SSN # XXXX. I have been sending you dispute letters but it seems that I am not being taken seriously. i sent you the letter clearly stating the inaccurate information but you dont seem to be doing anything! these errors shouhld have been here in the first place but even after asking you to investigate it, youre ignore them. I am going to take legal action if you continue with your negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: SUNTRUST BANKS, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My general complaint is " authorizations and/or holds '' that are placed on cards by merchants for services to paid at later time and not taken away when bill is paid. When Merchant bill is Paid in FULL, any " authorization or hold should definitely be removed if not immediately then at the very least within 24 hours. 

My recent experience Suntrust Bank over this demands looking into to. On XX/XX/XXXX I checked into the XXXX XXXX XXXX used my Suntrust card and a {$120.00} was put on hold for this stay. 

Upon checked out I paid bill of {$250.00} In Full on another card. Later when I realized something not right was going on with the Suntrust Account and the XXXX. I called the hotel first and they assured me the problem was with Suntrust, so I immediately called my bank to try and resolved this, explaining that the bill has been paid. They said I would need to contact the hotel to get this resolved and I explained I already had and they said " You '' Suntrust Bank is holding this up from clearing. I was also told on this call that it could take 3-5 days to clear. I said that is unacceptable, especially considering you can take my money with the stroke of a key. So, you can understand the frustration if this has ever happen to you. It is like both parties are playing " you '' back and forth like a ping pong ball. So, I recontacted the hotel and they assured me they were not the reason for this charge still being on my account. So, I called Suntrust back again after a 10 minute hold and asked for a supervisor to try and get this resolved. So, when they spoke to me, they told me the same thing ... '' it is the hotel holding this up '' and now this time was told it could take 5-7 days to clear and which time I went off like a cannon on this dude. Plus, to my second surprise, I was told for the First time that the hotel would have to give them a " confirmation '' number in order to get this cleared. I said fine, let 's call them right now, the manager is sitting by the phone waiting for this call. This supervisor refused to call or help other than say " : they need to call us ''. Wow, isn't it great how they try so much to help their customers. Amazing!! 

So, I am sure this has cleared up by today and probably not still an issue, but I wanted you all to know how frustrating this process can be between merchants and banks and that most importantly the customer, the guest or the client, whatever you want to call them, We are the ones that suffers during this process and it should not be this way. 

Thank you for your concern, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: EQUIFAX, INC.
State: PR
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:
To whom it May concern : Verifying my report with the XXXX  agency I noticed that there are accounts that do not belong to me affected my score and credit history with them, I have never had an account with XXXX # XXXX, XXXX aXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. 

Also variations of names such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Variation of social insurance # XXXX that does not belong to me are reported. 

I wish only to report my correct address XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, P.R XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: NRA Group, LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a bill with XXXX XXXX that I paid off XX/XX/2019 which was XXXX. I've contacted the agency about removing this off my credit report but they haven't done so yet!

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 2019-05-07
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ID FRAUD VICTIM ALERT FILED XXXX MY IDENTITY HAS BEEN USED WITHOUT CONSENT TO OBTAIN GOODS OR SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
I filed chapter XXXX bankruptcy on XX/XX/XXXX. I had two credit cards from Capital One that were included in that bankruptcy which is almost paid off, current, and never delinquent. Capital One and XXXX XXXX are reporting late payments to those Capital One accounts as recently as XXXX. I was never late on those cards ; they are included in bankruptcy ; I do not make any payments to Capital One on those cards, therefore, payments are not late and should not be reported at all. I have tried to get this corrected. The " late payments '' are affecting my XXXX XXXX score and are creating a barrier to getting a mortgage. 

They must remove any payment history after XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am the victim of identity theft, I have been sending letters to all 3 credit agencies and some of them said it has been verified that it was me ... ..? I asked these companies to send me original contracts from the parent company that I allegedly signed and they could not. All some of them sent was copies of transactions that were made ... .. '' PLEASE send me the original contract that I allegedly signed. PLEASE. 

XXXX XXXX ... .Please send me original signed copies from parent company. 
XXXX XXXX ... Please send me original signed copies from parent company. 
XXXX XXXX XXXX .... Please send me original signed copies from parent company. 
XXXX XXXX XXXX ... Please send me original signed copies from parent company. 
XXXX XXXX  ... .Please send me original signed copies from parent company XXXX XXXX XXXX XXXX XXXX XXXX .Please send me original signed copies from parent company XXXX XXXX bank XXXX ..Please send me original signed copies from parent company XXXX  ... ..I am not a home owner. who are these people XXXX ... ..Please send me original signed copies from parent company XXXX XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX XXXX XXXX .Please send me original signed copies from parent company XXXX XXXX XXXX ... ..Please send me original signed copies from parent company XXXX XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX ... .Please send me original signed copies from parent company XXXX ... .Please send me original signed copies from parent 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 2017-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
To whom it May concern : Verifying my report with the XXXX  agency I noticed that there are accounts that do not belong to me affected my score and credit history with them, I have never had an account with XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. 

Also variations of names such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Variation of social insurance # XXXX that does not belong to me are reported. 

I wish only to report my correct address XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, P.R 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 2019-10-01
Company: EQUIFAX, INC.
State: GA
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 contacted your office months ago after I was notified that there were items being reported to my credit that did not belong to me. Many of those items have been removed, however, now that I've been monitoring my credit closely, I've noticed new items that hove been placed on my credit that hove no name. only account numbers. Please remove these items as soon as possible. XXXX XXXX XXXX ( account # XXXX ) XXXX XXXX XXXX ( accnt # XXXX ) Item # 1- No Name ( account number XXXX ) Item # 2 No Name ( account number XXXX ) Item # 3-No Name ( account number XXXX ) Item # 4- No Name ( account number XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Latest occurrence today XX/XX/2019 ; ongoing since on or about XX/XX/2019. I filed a complaint for excessive fees and for Chase Bank illegally applying NSF fees to scheduled in-house account transfers from one Chase account to another Chase account. I've had this account for 40 years. I've never had a problem with it until now. I originally had XXXX  XXXX, which was bought out by Chase a number of years ago. Since Chase merged with XXXX XXXX, Chase 's banking policies have changed drastically in their treatment of scheduled transfers from one Chase account to another Chase account which is under the same Social Security number. When funds were not available for the transfer the transfer would be cancelled and remain on schedule. A notice would be sent. No fee, no problem. Now they are paying the in-house transfer instead of cancelling it, so they can assess a NSF fee for each transfer. My husband died in XX/XX/2019 and since I brought his death notice to the branch Chase has been reeking havoc on all of my accounts, which now include the accounts of my adult children, whom I am either a trustee or a joint holder. Chase is  taking money out of every account with my name on it to cover thousands of dollars of NSF fees that should have never been assessed. To investigate my original complaint they gave me XXXX XXXX in the Chase executive office. Her number is XXXX, extension XXXX. She said she was handling investigating the case, but instead she gave authorization to Chase collections to take money from all of the accounts with me included as an account holder, including joint accounts with my adult children, who have been bankrupted by the collections processes underway. 

When I talked to XXXX XXXX she refused to pull up my account or to call the collections department to cease and desist collections on my children 's accounts. We have no money and XXXX XXXX is a complete fraud, she has no intention of doing anything to assist in this situation. All she did was thank me for calling, refusing to take any action whatsoever and provided no advice on who else to call in regards to the matter, leaving me and the bankrupting of my accounts in limbo. 

XXXX XXXX is the branch VP I recently contacted for help who did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Capital One NA claim that I owe a mortgage amount of {$120000.00} within my credit report. Capital one is in violation of Fair Credit Reporting Act and Fair Debt Collection Practices Act. I have disputed the account several times with all major bureaus because it is reporting as OPEN. This account has been CLOSED and CHARGED OFF since XX/XX/XXXX which capital one reported back in XX/XX/XXXX within my XXXX credit report. However, they changed from the correct reporting as years have passed. I printed and kept my XX/XX/XXXX XXXX correct documents when capital one reported it CLOSED/CO. Capital one started to INCORRECTLY report the debt as open again starting in XX/XX/XXXX. PLEASE make them report fair and correct within my credit reports. They are adversely affecting my life and I can not get permanent employment due to them incorrectly reporting a charge off as open. Capital one is engaging in unfair and outrageous methods to collect a Closed and Charged debt and other illegal financial manipulations which are apparent to be intentional.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Fifth Third Bank is terrible credit card company. Stay away!!! 
The calls are answered by people who can not understand English. I have requested that my account be closed already 4 times, yet it is still not done. Only false promises and lies. Every month there is a problem because Fifth Third will not mail me my bill. Also, they are not able to send a notification email that the statement is ready. Impossible to work with. 
I spoke with " XXXX '' and " XXXX '' employee # XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a Bloomingdale 's store card for several years. When my most recent bill came, it had suddenly become an American Express Bloomingdale 's card, which can be used in and outside the store. This is not something that I want or need. Furthermore, it was issued without my requesting it, and certainly without my permission.

When I called Bloomingdale 's to close the American Express card, I was told that I could only cancel the entire account. So that's what I did. 
I think it should be illegal to issue a major credit card in someone's name without their permission. 
Now I will have to go through the hassle of opening another store card.

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 2021-08-06
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XXXX I tried to make a wire purchase of {$5000.00} XXXX with Coinbase. The transaction did not complete and the message received is that there is a negative balance and a connection issue. I have transacted many times and never had this issue. There was more than enough funds in my account. From an external wallet, I also transferred {$10000.00} XXXX into the same XXXX wallet on the same day. Transfer funds were received and my account was suspended since XXXX. I put in a trouble ticket ( case # XXXX ). On XXXX I received an email stating that my acct was transferred to a specialist. I have since emailed for an update XXXX and have tried to complete my purchase everyday since XXXX on XXXX I reported an issue with my Coinbase Visa card ( Case # XXXX ). Purchases have been declined since XXXX. On XXXX received a message from CB credit card that my case has been sent to a specialist. I do not have access to approx $ XXXX ( Coinbase and Coinbase Wallet ) of my funds and can not transact in any way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2018-12-19
Company: Oracle Financial Group LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
on XX/XX/18 XXXX XXXX from oracle financial group left me a voicemail stating fraud charges were going to be filed on my for non payment to XXXX. said I needed to pay a certain amount by that day. I agreed to pay XXXX that day with a debit card because she scared me with threats. then the remainder of XXXX would be dedutced on XX/XX/18 and XX/XX/18. the XXXX payment was maid. the XXXX payment was returned. I had other expenses and I didn't get a bonus. she left me a message saying the terms were voided out. then on XX/XX/18 I was left a voice mail by her saying I was not wanting to help my self and my bank assets were froze. I called my bank and they told me that couldn't happen. I tried repeatedly to call her back and she just left me on hold and the call got passed to 2 other people. I have reported them to the better business beauru and the attorney general in my state. the attorney general office also told me to file a complaint with yall as well. I was trying to fix this matter. but they made threats and now I don't care. thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: AMERICAN EXPRESS COMPANY
State: TX
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 received another inquiry on my credit report that was not authorized. I am a victim of identity theft. I have a police report number for a report filed with the XXXX Police Department which is : XXXX This inquiry was not authorized by me. 

I have attached letters from other creditors showing their investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: EQUIFAX, INC.
State: CA
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:
XX/XX/2018 WENT TO XXXX XXXX IN XXXX XXXX, CA WITH PRE-APPROVAL, PRE-FUNDED LOAN FROM MY CREDIT UNION. THEY STILL SAID THAT EVEN THOUGH I HAVE THIS, THEY STILL NEED TO RUN MY CREDIT. I SAID NO, THEY DID IT ANYWAY. THE PERSON COMES BACK, AND SAYS '' WE CAN GET YOU A LITTLE HIGHER RATE WITH A BETTER COMPANY '' WITH A HUGE SHEET OF PAPER OF PLACES HE WAS RUNNING MY CREDIT THROUGH. I WAS FURIOUS!!!!! I DEMANDED TO SPEAK TO SOMEONE IN CHARGE. THE MANAGER SAYS WELL ITS LATER IN THE EVENING AND WE CANT VERIFY YOUR LETTER SO WE MUST TY AND OBTAIN FINANCING FOR YOU '' ... ... .i SHOWED HIM ON THE VEHICLE CONTRACT THAT IT GIVES ME 5 DAYS EVEN IF I WASN'T PRE-APPROVED TO PROVIDE MY OWN FINANCING!!! I HAVE RECEIVED ABOUT 7 LETTERS FROM BANKS AND CREDIT UNIONS IN THE MAIL AND AM BEING DENIED FOR EVERYTHING. MY SCORE HAS DROPPED OVER 100 POINTS IN 1 MONTH. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, THEY KEEP COMING IN!!!! EQUIFAX, XXXX, XXXX SENT ME A DENIAL LETTER ALSO. PLEASE HELP ME ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: EQUIFAX, INC.
State: TN
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 all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. Below I have listed the fraudulent accounts on my credit report that should be removed. 

Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX   Date:XX/XX/XXXX Company : XXXX XXXX   Date:XX/XX/XXXXCompany:XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX   Date:XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date:XX/XX/XXXX

Company response to consumer: Closed with explanation