BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-20
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2018, I wrote to the credit reporting agency, they placed inquiry on credit report, I have a credit freeze, identity theft hold.

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 2020-07-25
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2015 for {$58.00} not owed to this company because I never did business or had a contract with this company. reporting negative information to my credit profile.

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 2020-07-25
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report and I have requested this fraudulent account be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

1. XXXX XXXX - no balance is showing as it seem to be an inquiry ; no account number, the address is XXXX XXXX  XXXX XXXX XXXX XXXX CT 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 2020-09-02
Company: CITIBANK, N.A.
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: Card was charged for something you did not purchase with the card

Complaint:
Citibank credit card for XXXX charged my account and I submitted this as fraud or dispued account. I spoke to the company once before and found out that they had reversed the charge. The company charged my card after 3 months and this time went to fraud. The person ask me questions that were not appropriate such as do you have family members that steal from you? Do you give the credit card to someone else? Did I have plaster or work done on my home? The asked if I had any loans that I applied for or credit cards. In addition, the representative was going to ask more about my personal details and I advised them I was calling about a incident that I am being charged that I was told was closed. The company replaced the card due to the breach and now I had a customer service agent accuse me indirectly that I have a charge that they can ask my whole financial history. My request was simple where did the money get deposited and to whom did the money get deposited. They didn't have any of the information it was a one sided discussion where the company wanted to charge me and not look into it even though it has been over 60 days since it has been closed. The company had to send me a check for overpayment. This shows up as a new charge on the card. I have asked for the supporting documents and the company has provided none. They are overstepping their rights under the Fair Credit Reporting rights in addition the representative was rude.

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 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
The company is reporting inaccurate information on my credit 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 explanation
Consumer complaint received 2019-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There were multiple credit cards opened in my name fraudulently. Debt was accrued and this was not authorized by me and is identity theft. I have tried to remedy this by calling and claiming fraud but I have received no correspondence. I simply want these accounts deleted and removed from my credit report and out of the database with the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03
Company: Bliksum, LLC
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 status incorrect

Complaint:
This account was paid off and closed in XX/XX/2015. It is reporting incorrectly on the credit report. This account is reporting other facts incorrectly and the company nor the credit reporting company will fix it correctly. This was a loan to a corporation and did require/contain a personal guarantee. LOANME IS A PREDATORY LENDER & NEEDS TO BE SHUT DOWN!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Cadillac Accounts Receivable Management
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/XXXX I got an email of an itemized list of money owed but I never got anything in the mail, just that reply to me asking if they could send me that list which they did. On XX/XX/XXXX I replied to the XX/XX/XXXX email asking if I could get a payment plan because I hadn't gotten anything in the mail since their XX/XX/XXXX emailed list. They replied on XX/XX/XXXX shortly after I emailed them saying " Your account was sent to collections on XXXX when we didnt hear from you until XXXX. We can activate the payment plan now but your account will stay in collections until the balance is paid. When would you like us to process the first payment? '' So only 9 days after they sent me the itemized list of costs they sent it to collections so they said. I never got contacted by the collection agency or by XXXX  to try and resolve this debt so I assumed it never got sent because I never saw it on my credit report until this year. I heard through emails of another company that they spoke to XXXX and was told by the billing dept that they had written off the debt but then like I said it popped up on my credit karma account a month or so ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
Hi, I was charged for a purchase I did not make. I disputed this with Capitol one but they refused to return the credit. They are saying I made this purchase but they are unable to provide me any information or proof for this purchase. Capital One refused to give me any information about the merchant, or the merchandise I supposedly bought. I asked capital One if I could appeal this charge further and they said there was no such process with them. This purchase was for the amount of {$310.00} and posted to my account on XX/XX/XXXX. The listed merchant for this charge is a " XXXX XXXX XXXX '' located in XXXX which I am unfamiliar with and unable to find any information on. 

I attached my credit card statement showing fraudulent charge. 

Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-16
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
We have student loans that we have been paying monthly on. The money was borrowed in the XXXX. We had a car accident that XXXX us XXXX  and was taken off of work and school, not being able to finish or go back to work. Regardless we had been paying back our debt even though we are at the poverty level now in income and XXXX XXXX XXXX. We were nothing but harassed by XXXX, Transworld and now another company XXXX to repay. The past couple of months have been difficult due to the circumstances. We are XXXX and a military family. We received this in the mail from another collection agency- XXXX after paying XXXX  and Transworld and them cashing the monthly checks from us when there is a cease communication order from us on this debt. We want them to leave us alone so we can repay in peace. Also, the loans went through XXXX XXXX XXXX. They no longer show on the credit report but they still cash the checks. We inquired if the massive lawsuit involved our loans but we never got a response. We would like to be left alone and also notified at our mailing address if we are entitled under that lawsuit that was settled. Also, quit harassing us and let us pay our debt in peace.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
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 was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30 days in the month of XX/XX/XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, and I hope all is well. While reviewing the credit profile to XX/XX/XXXXXX/XX/XXXX/Transunion, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX has a third-party collection agency that failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX has purchased a debt already satisfied with the primary creditor. With the continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.

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 2020-10-22
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back in XX/XX/2020, My HOA did NOT SEND the renewal of flood insurance to Flagstar and they force imposed a flood policy. I submitted the renewal and was assured that the mortgage was in good good standing and the imposed flood policy would be removed. Since then, my mortgage statements show me past due. I have called and talked with supervisors several times and they have promised to find out what is wrong, but no one has ever resolved it, nor has anyone called me back. I have made EVERY mortgage payment ON TIME through bill pay from my bank. I don't know how to get someone to resolve this. They just don't care. Now my credit could be affected. 

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 2019-03-02
Company: LEXISNEXIS
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:
Credit reporting agencies had been reporting erroneously collection accounts and accounts that do not belong to me, I have requested these companies ( collection agencies ) to verified and or validate the origin of this debt and all of this companies ( collection agencies ) had responded to my CFPB complaint that they don't have this accounts with them, therefor this is inaccurate reporting from credit reporting agencies. I'm requesting for this accounts to be removed from my consumer credit file immediately, as they are in violation of the FCRA section 609 ( b ) .Information place on a consumer credit file must be 100 % verifiable and accurate. Please send me an updated copy of my credit report with these correction made and remove my name from all pre-screening offerts, and opt me out of your systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have been a Coinbase customer for approximately 6 months. No issues until I purchased a new phone and my authentication key was lost. I use a 2 step process for security purposes. At any rate, their process to have that XXXX requires a user to upload a picture of a valid ID XXXX both front and back ) before the process is started. My ID has my entire middle name XXXX XXXX XXXX instead of just my middle initial, which is how I established my XXXX account. 

At any rate, I have patiently contacted them on numerous occasions via email. Responses are simply cut and paste. At one point I was told that they were investigating the issue but have n't heard back. I attempted to call their customer service line numerous times and eventually was placed on hold by an automated service while waiting for a specialist. I literally sat for 1.8 hours on hold. 

I have a lot of money in my account and simply want access. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX FORMERLY XXXX Date opened/XX/XX/2020 Amount owed $ {$16000.00}

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 2018-10-02
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: Old information reappears or never goes away

Complaint:
In XXXX, XXXX and XXXX, I applied for the forbearance on my consolidated loans with XXXX XXXX. I had a total of XXXX missed payments ( XXXX missed on XXXX loans ). Once my I was approved for forbearance, my late payments with XXXX XXXX were retroactively brought to " current/on-time '' payment status. I requested that they remove the incorrect payment status with the credit bureau, as I am currently in good standing. 

I called XXXX XXXX on the following dates to get this matter resolved : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I sent emails to the CEOs of XXXX, Equifax and XXXX  on XX/XX/XXXX to get these incorrect reports removed. 
On XX/XX/XXXX, XXXX updated my credit report with the correct information and removed the late payments. 
On XX/XX/XXXX, a man from XXXX called me. We then called XXXX XXXX on a three-way conference call to verify the information I was disputing was correct, but the representative refused to acknowledge. She did ; however, verify that my account was in " current/on-time '' status. 
As of today, XX/XX/XXXX, I have not heard back from Equifax on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
On XXXX XXXX, 2017 I placed an online order with XXXX XXXX. I had the order shipped to my home address. The package never arrived after I received notification. The package was erroneously shipped to my previous address where I have not lived in 3 years. Prior to this order XXXX XXXX has delivered orders and mail to my current address. I contacted XXXX, the post office and lastly XXXX XXXX. They insisted that the error was not theirs and I should go and retrieve my packages. I asked 3 times to speak with a supervisor and they denied that request. I just wanted them to re-send the merchandise. I called back and asked that they credit my account the {$110.00} XXXX that I already paid ) and they refused,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: United Shore Financial Services, LLC
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX received a VA home loan through United Wholesale Mortgage. In XXXX I attempted to do a refi through the VA but was told by XXXX   XXXX  that the gaurentees were never attached to the VA loan. Again, in XXXX I attempted to do a VA refi and found the guarantee was still on a house at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX because of a assumption of my loan with a non veteran. That loan was refinanced and the guarantees were released. 
XXXX XXXX  for the XXXX home never submitted the refi to the VA and UWM never attempted to place the loan with the VA. 
I was advised to have UWM, the original loan holder on XXXX XXXX XXXX XXXX, Mi. XXXX. This was submitted to UWM on XX/XX/XXXX. I haven't received any updates and my calls to UWM just leads to confusion on the part of UWM. I'm told it is with the research division and I should get an update within 24-48 hours ... it has been 12 days with no update or no one to contact. 
I have been attempting to do this refi for almost 2 months now. This is costing me considerable money due to the current rates in the 2.5 % range and the current mortgage rate is 5.25 %. This should have never happened and I'm feeling as if the mortgage company is trying to avoid correcting their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is still reporting refuse to delete from credit report even though XXXX and XXXX is no longer reporting. XXXX XXXX is reporting as a chargeoff but we are in a settlement the wording should be changed to paying as agreed, I received a letter from them in XX/XX/XXXXstating that they were reporting the account incorrectly and that they would remove the account, now they are saying I had two accounts with the same last 4 account numbers which makes no sense.
I 've attached file from XX/XX/XXXX credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22
Company: SYNCHRONY FINANCIAL
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We paid cash for the services rendered and charged to the Care Credit account ; Therefore, the money " charged '' to the card is inaccurate.

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 2017-12-19
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have purchased a car from XXXX in XX/XX/XXXX.  My car was repossessed in XX/XX/XXXX. My loan term was originally 60 months and now it is showing 80 months. I fell on hard time because of a job layoff. Since my car has been repossessed I have not gotten any written documentation from Santander about where my car was taken and what the next steps were and where to go to get my personal belongings from the car. I have contacted Santander asking for validation of my debt on XX/XX/XXXX and was told they would send me a copy of my contract within 10 business days which I still have not yet received. Upon checking my credit report there is an address listed that I have never lived at nor do I know where it is located. My credit report changes every month on the amount I owe Santander. The status one month it will show XXXX and the next month it will show XXXX and now it is showing a balance of XXXX, it will also show write off due to bad debt and then it will be changed to late payment and now it is showing closed/ charged off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: Security Credit Services, LLC
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 information incorrect

Complaint:
I have disputed two accounts on my credit report for inaccurate information which is killing my credit score. 
XXXX XXXX has 2 ( one for {$540.00} and the other for {$1200.00} ) which I have the bank statements to prove they were paid on time every time. Security Credit Serv now owns them and when i tried to prove to them and XXXX  and XXXX  with the proof, they deny it and leave it on my report saying I never paid. I have tried since XX/XX/2018 to get them removed but nothing. I feel I need an attorney to go after all of them for the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Experian Information Solutions 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:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation