BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital one walmart card is incorrectly reporting my information to XXXX  XXXX  and XXXX. And would like capital one to correct all the errors on my report and Remedy the situation i also had a conversation with XXXX from capital one on the phone on saturday XXXX XXXX at XXXX XXXX He was not willing to help me. Im requesting capital on look at my report and do a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Send info to attorney general concerning how this modification was completed. In it shouldnt have been completed in the manner it was. It was done in a estate when the estate no longer existed but I was included as a co-borrow, but I never receive credit for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. Regarding alleged accounts # XXXX, 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: World Acceptance Corporation
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX has submitted the incorrect information to the credit bureau 's. They claim and are reporting an amount that I believe is incorrect, and completely false. I have written a letter to them requesting that this information be verified as I dispute this information ; however they did not mark the account disputed on my credit file within the 30 time frame required by law, nor have they responded to my previous efforts to communicate with them in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from XXXX XXXX XXXX regarding a debt for $XXXX owed to Capital One. I never owed Capital One $XXXX. Capital One states they no longer have records for the debt so they can’t tell me why I owe. I’ve written XXXX XXXX XXXX onXX/XX/2019, XX/XX/2019,XX/XX/2019, and XX/XX/2019 asking for an itemized statement of how I owe what they say I owe. They have yet to verify all charges leading up to what they are saying I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-28
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hello my name is XXXX XXXX. On XX/XX/2018 I purchased {$80.00} of Bitcoin and {$10.00} from the website Coinbase. The {$80.00} of Bitcoin was stored in my Bitcoin wallet and the {$10.00} was stored in my USD wallet. I was told to wait a few days before trying to transfer the funds from my Coinbase wallets over to my XXXX wallet. However, while waiting I noticed that the {$85.00} had been double charged in my checking account which set my account into a negative balance and thus a NSF fee was charged. I didnt have the funds to bring my account into the positive and when I spoke to Coinbase about the issue they said they would have their agents look into it. A few mroe days passed and they didnt resolve the issue so I filed a report with my bank and they got the {$85.00} that was double charged back into my account. However, Coinbase put my funds that I had in my wallets on their site into a hold until they could look further into the issue that took place on my account. On their site it had a disclaimer on my account that my funds would be on hold until XX/XX/2018. When that day arrived however my funds were released from being on hold but it said that buys were " currently disabled from your account ''. This means I cant transfer the funds from my Coinbase wallets into checking account cause there is a block on my account. When I called Coinbase support they keep telling me that I have to wait for their agents to fix my account and get the hold uplifted on my checking account. I have been waiting since XX/XX/XXXX and at this point am frustrated and tired of playing the waiting game. Any help you could provide would be extremely appreciated and helpful to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: SYNCHRONY FINANCIAL
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:
Lowes Credit Card double charged me on XX/XX/2021 for same purchase. I have only made 1 purchase for {$300.00}, but Lowes charged 2 of the same transaction amounts instead. I have requested a dispute over the phone around XX/XX/XXXX. On, XX/XX/2021 I have received Lowes decision not in my favor and said that they would not return my funds to me. As proof they have attached 1 receipt for the 1 valid {$300.00} charge that I made and the second receipt for {$450.00} completely different charge. Lowes has not provided we with receipt for the second {$300.00} charge that they charged me. And refuses to re-investigate. They keep referencing the wrong receipts.

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 2018-07-28
Company: EQUIFAX, INC.
State: NY
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 tried to prove beyond any doubt that my consolidated student loans were always in deferment. I have filed numerous complaint against XXXX XXXX XXXX, the servicer of my student loan. When this company took control in XX/XX/XXXX, I was still in deferment. Therefore, how could I ever be late on payments? I have never made payments while in deferment. On each credit bureau it shows that I was automatically 90 to 180 days late on payments. On Equifax it shows an instant 90 days late all the way up to 180 days late, then back to 90 days late. This is a complete fraud used by a debt collectors to hold my credit rating hostage. 

My XXXX shows from a perfect rating to an instant 180 days late in XX/XX/XXXX. 

My XXXX XXXX shows automatic 90 days late up to 120 days late. 

I need now the bureaus to investigate an abusive credit reporting process done by XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX. 

I NEED THESE LATE PAYMENT HISTORIES PURGER PERMANENTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: CBC Companies, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I applied for a VA, FHA, USDA and or XXXX. I was told by XXXX with Factual Data that their General Counsel told her Not to Release my Disputed Updated Credit Report, to-date I've Not received my Updated Re-scored Tri-merge from Factual Data so that I can further engage in the Mortgage process. Disputes consist of : Removal of XXXX  XXXX  XXXX ending # XXXX account doesn't belong to me, XXXX, ending # XXXX, this account has No balance, XXXX, ending # XXXX, account doesn't belong to me, XXXX XXXX XXXX XXXX , XXXX XXXX Not reporting, Loans number ending XXXX, XXXX are Not Reporting to XXXX in the Mortgage section of my Credit Report with effort to show that I never had a XXXX XXXX, nor PAID account Off in FULL, XXXX XXXX , ending # XXXX & XXXX, accounts exceeds the FTC 7 year Reporting period, Remove this XXXX. XXXX  XXXX XXXX, ending # XXXX, account exceeds the Federal Trade Commissions 7 year Reporting period, get this XXXX off as well, thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: NAVY FEDERAL CREDIT UNION
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:
My account auto account is reporting as late/derogatory and it is showing as being paid in a payment plan through chapter XXXX. This information is incorrect. My auto account has never been late and it is paid directly to NFCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I did not authorize the following information on my credit reports 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: NJ
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:
Disputing XXXXXXXX XXXX XXXX. Did not receive any mail notifying of any account. Tried contacting company by phone only get recording. Not My account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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:
In accordance with Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXX Account ending in XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-10-31
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:
Equifax added a fraudulent account on my credit profile named XXXX XXXX XXXX This is a fraudently opened account. The amount is claiming a balance of XXXX. I am not affiliated with this company. This is a direct violation. I diputed this item 3 times and all claiming verified..Equifax is also not responding within 30-45 days after the disputes.I currently have a security freeze due to identity theft and they allowed an account to report on my report which brought my score down tremendoisly and is damaging my creditbility. Please investigate into this further. Also Equifax is not removing other fraudulent activity such as XXXX XXXX XXXX XXXX and XXXX XXXX. I submitted an identity theft affidavit to them in XXXX. Also submitted another in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX a deposited was made and out on hold until XX/XX/XXXX. The deposit has finally cleared and Bank of America is not letting me access my funds. I have tried to solve it with their fraud detection department and they are not giving me any information for this problem to be solved. Rent has been overdue and they are holding my funds. I spoke to a representative named XXXX she is a manager in the department and she couldnt help me resolve my issues.

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 2018-03-01
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our home flooded during XXXX XXXX. Insurance gave us a {$40000.00} advance, which after many phone calls, CitiMortgage released to us. Our insurance settlement of {$240000.00} was granted in XXXX. Since we had a {$40000.00} advance, we mailed CitiMortgage our check for {$200000.00}. Although we sent the check XXXX weeks earlier, CitiMortgage shows receiving it XX/XX/17. After many phone calls they released {$47000.00} to us on XX/XX/17. I then spoke to XXXX on XXXX who told me the rest of the money would be released and overnighted that week. The check never came so we called back and were told the request " kept getting bounced back ''. I then spoke to XXXX who explained to me that they are holding {$150000.00} which they refuse to release to us until we are 100 % complete. I have called and spoken to XXXX many times, and they are firm on this because our original contractor 's bid was for much less than it has ended up costing. I have uploaded cancelled ( paid ) checks but they still refuse to release the money, even after we had an inspection showing 90 % complete. We then finished everything structural ( counters, cabinets, etc. ) and had another inspection. That inspection again showed 90 % complete which does not make any sense as all that is left is paint - in fact we are moving home this weekend. I can not make my final payments to the contractor as we have been paying out of pocket all along but CitiMortgage isn't releasing the money, so we are out of money. Today, I spoke to XXXX who again asked for an " exception '' to release {$100000.00}, but I have asked for this multiple times and never received ( and never received a phone call stating that I wasn't getting it, I keep having to call ). I also asked for another 100 % inspection.

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 2018-05-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My tax return was mistakenly setup to be disbursed to an account that has since been closed based on prior tax filings. I have an active account with the same bank. The money was received by the bank on XX/XX/XXXX. I called and discussed with them on XX/XX/XXXX and they opened a claim. I was told it would take up to two business days to process the transfer, why does it take this long? 

I waited the two business days and called on XX/XX/XXXX when there was no money. I called the bank again and was now told their policy is all money received to a closed account is returned to the sender after 24 hours. So my money was sent back to the IRS on XX/XX/XXXX. How does Chase bank have a policy of two business days to get transfer money as they stated while at the same time have a policy to send money back after 24 hours? 

So they sat with my money for 2 days and then send it back while an open claim is in process to put it into the correct account? I now have to work with the IRS to have the money converted to a paper check and mailed delaying my funds by up to 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: AmeriCollect
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 AMERICOLLECT, added a derogatory remark to my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the debt. Debtor 's creditor did not verify this information. Also, there was NO written form of communication, contrast, or signature for the account debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, AMERICOLLECT has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation