BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
On my two Capital One accounts, Capital One reported to all three credit bureaus that I was deceased. I received two letters to accept their condolences for my passing. 
I contacted Capital One on XX/XX/20 and they would not give me an answer as to why they reported me deceased. The agent ID XXXX XXXX was working on my claim. I was on the line with agent XXXX XXXX and she was relaying messages b/t me and the XXXX customer care dept. I was refused as to who was the original furnisher and why and was told they couldn't give that information to the agent or me. Capital One is the only entity that have me reported as the deceased. I then called all three credit bureaus to dispute this violation of placing invalid/wrong information on my credit report. I am being denied Homeowners insurance b/c they aren't able to obtain a score. I was unable to check my credit at the time. This has been a depressing hassle to know my credit report had been shutdown. Now my homeowner 's insurance is about to expire and this could possibly take 30-90days. I was also told by Capital One that they could not expedite the request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone other than the account-holder with a TD Checking Account has been transferring large amounts of funds to a trading app named XXXX. It totals {$240000.00}. TD is not being very cooperative. An investigation needs to be opened to unmask these on-line fraudulent transactions ASAP!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2020 Capital One charged me {$21.00} for a charge from XXXX. On XX/XX/2020 I made a purchase from XXXX in the amount of {$21.00}. I contacted XXXX and they said that the amount on the XXXX was a pending amount for my purchase on the XXXX. They told me that it would drop off in three days not to worry. I checked my account every day and it did not. The pending amount turned to a charge. I called Capital One several times regarding this matter. They said that XXXX had to remove the charge. I called XXXX and was told that the credit card company had to remove the charge. It only showed ad a charge once on there end. I called Capital One again and they opened a dispute against the second charge. They told me that they would credit my account until the investigation was completed. Capital One called me on XX/XX/2020 telling me that they were two separate charges. I was told that they sent me a letter on the XXXX of XXXX stating what other information that they needed. I have yet to receive said letter. This is the third time that I have had this happen to me. I use other credit cards with XXXX and Capital One is the only credit card company that keeps double charging me. I want a reversal of the second charge of {$21.00} immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted Medicredit in XXXX of this year about 4 debts, they told me if I paid the debts off they would delete it from my credit report. I paid all the accounts off. They all have {$0.00} balances. After I paid them they then refused to remove them. I then contacted XXXX  and started a dispute. They completed their investigations and DELETED the accounts from my credit report becaiE Medicredit told me they would remove them if I paid them. The accounts were removed from my credit report on XX/XX/2020 and today they are back on my credit report again! I am fixing to be XXXX  due to this. I have worked so hard to get my credit repaired and paid off every single debt I owed and now they are reported a second time on my credit with a {$0.00} balance. I did exactly what Medicredit told me to do so they would remove all 4 accounts and they conned me to pay them off and XXXX  removed them and then Medicredit reported them a second time after they were removed!

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 2019-02-25
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My name is XXXX XXXX and I am one of the millions of people that Navient has taken advantage of. When I was XXXX and fresh out of high school they used my fathers income to take my loans out. Now after college, I don't make nearly as much as my dad does because he was there for almost 25 years at that point. I am going broke trying to make my payments. I do not want to go defer/fb because what if I need that for an emergency. 

I have tried and called so many times to have someone help me and no one ever does. I cant afford to live or enjoy anything because my private student loans take up all of my brain power and my paycheck. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In a nut shell I was scammed by a loan company XXXX XXXX XXXX XXXX & they got into my checking account & reversed all the charges/Bill 's that I paid and they are saying they never received the payment. So now I'm getting phone calls, emails & text from all these people wanting their money.Meanwhile all the reversed money is sitting in my account, & they won't let me take it until they investigate. I was the victim of fraud and now I can't get my money & they closed my acct. I had to go & get another bank go through all the changes that goes along when something like this happens but it's not right. I DID NOT do anything wrong. The name of the bank is J.P.MORGAN CHASE. So that's basically it. I had to borrow money from a friend to pay some Bill 's & to eat. So it's not only the loan company that XXXX XXXX XXXX me the bank did as well. I really hope you understood all this & you can help me. Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-02
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:
XXXX XXXX checked their database of 4.7 billion publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be compromised. XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were 393 million unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX , XXXX and the IRS . I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I am disputing all of the following information due to be incomplete and inaccurate. I have made all the reporting credit bureaus aware of the Identity Theft and the Fraudulent accounts and nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-13
Company: Experian Information Solutions Inc.
State: WI
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:
I wrote all three credit bureaus in XX/XX/XXXX about a bankruptcy they have on my file that was filed in error, I have provided proof of that and XXXX XXXX has removed this information from their files which was also provided to the bureaus as well. They are in violation of my right to an accurate credit file. They have verified nothing and this information needs to be deleted. I have written several letters since XXXX bringing this error to their attention. As a last resort I am filing a complaint and will consider legal action if they do not comply.

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 2019-08-29
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Sunrise credit services continue to call me to collect a debt from XXXX XXXX. After being told to not call me again. They call multiple times a day and do not identify themselves until asked where they are calling from.

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 2021-02-24
Company: Sequium Asset Solutions, LLC
State: CA
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 received a response from XXXX re : Conf. XXXX. It fixed most of the issues but did not resolve the Sequium issue. The dates are still inaccurate and all over the map. They and Sequium need to fix it. How many times do I have to provide the same information for both to pay attention, read what is sent, absorb it and get the hint that I'm continuing to catch their errors? I'm just not clear on why they can't see what's right before them. I want it fixed and I'm not backing down. They can't seem to fix it so remove it! That's a fair resolution in my book. Otherwise they risk my suing them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
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 submitted XXXX separate disputes with XXXX and XXXX Disputes with Equifax regarding a collection account they have let remain on my Credit Report, even though I have asked the companies listed below for a XXXX XXXX XXXX XXXX' by me, Per the F.C.R.A.. XXXX XXXX XXXX XXXX has had XXXX different occasions to produce such documentation if they had any, I have yet to receive and such contract, which is required to " MEET FCRA STANDARDS ''! I have provided proof of this account being removed/deleted from my XXXX Report. If XXXX could not verify this account per the F.C.R.A, How are XXXX and Equifax doing so? Equifax took this account out of collections and simply tried to close the account, hoping that i would not notice, I contacted them over the telephone as well and I got disconnected on XXXX times, and when I finally got someone on the line, they refused to help me. 

XXXX XXXX XXXX  - which I have an active credit card with, XXXX XXXX XXXX - XXXX letters, Equifax - XXXX letters, XXXX - XXXX Letters XXXX - XXXX Letters

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Big Picture Loans, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hello, Several months ago I needed a payday loan.. I understood the terms were not favorable due to the nature of the loan and the risks involved for the company.. However, this is getting ridiculous. I took a {$1500.00} installment loan over 4 months ago and they have been taking out {$370.00} per check since XX/XX/XXXX. Every 2 weeks. That is over {$4500.00} paid for a {$1500.00} loan? On their website, I can not see the history anywhere and they are not responding to my requests to stop withdraws. I can not afford this any longer, it is putting my life and finances in serious jeopardy. I 'd like to stop all the collecting, I 've paid off my loan in full plus so much interest and fees. Their website gives me no information? PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX, I call USAA to inquire about one of the reason that USAA denied by auto loan application. That reason USAA listed from an XXXX  credit report dated XX/XX/XXXX was " Collection action or judgement or foreclosure or repossession or garnishment or attachment or lien ''. The customer service rep from USAA check for information from their XXXX  credit report to see why USAA listed the reason stated above. The USAA rep confirmed that the above reason was listed due to the bankruptcy that was listed on their lender 's version of the credit report from XXXX. Now, I did file for bankruptcy in XXXX but that came off my credit report in XXXX. When I told the rep this, the rep said the credit report they get listed a two year history on Public Records including bankruptcies. I argued that bankruptcies should only be on a credit report for 10 years as my penance for filing for a bankruptcy. The rep then said I should call XXXX. When I called XXXX, they pulled up the credit report they supplies to USAA on XXXX XXXX and it did not show any Public Records including no sign of my bankruptcy that I filed. I was also able to see the same XXXX XXXX report on my XXXX membership account and could confirmed that there were no public records. My next step is to call back USAA and report what XXXX told me over the phone and submit the same credit report XXXX submitted to USAA that I downloaded my self.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
UNVERIFIED ACCOUNT. Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.

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 2018-10-15
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I XXXX XXXX along with my wife XXXX XXXX have worked diligently to get our mortgage back on tract, and we were successful doing so. We are very pleased when Ditech approved our mortgage modification and they even set aside a large portion of the mortgage into forbearance. We have been making our mortgage payments by XXXX XXXX at a local XXXX. However, the payments, which were made in cash were never processed by Ditech, We are sure that there was a problem posting our payments through XXXX XXXX. However, we are now being threatened by Ditech that we have not made our payments and that our home was being placed back into foreclosure. We have not missed any payments and this has to be an accounting problem. We post this problem through the Consumer Financial Protection Bureau as we need Ditech to treat us fairly and to get the accounting problem resolved as quickly as possible. My wife and I do not want to go through a difficult modification process again, but to maintain our current mortgage payments and to have our final modification papers delivered to us as quickly as possible. As I stated earlier, we were both very grateful to Ditech for the help they showed us in getting back on our feet, and we desire to keep it that way. WE will do whatever is necessary to help Ditech resolve this problem, and all payments can be made from now on by regular check instead of XXXX XXXX. In that fashion a cancelled check will always be available to prove that payments are being processed properly.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed several things with the bureaus and they have not responded to my request. It has been several months and I need to know where I stand with the information I disputed.

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 2017-09-16
Company: Experian Information Solutions Inc.
State: CA
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:
I manage all the bills, including accounts belonging to my husband, and they are paid on time if not before the due date with minor exceptions. The mortgage blemish from almost 7 years ago is the only negative on our report and resulted from the downturn in the economy affecting my husband 's employment. I 'm therefore confused why my credit score is always lowered or dramatically affected for foolish reasons. Only varying factor is my gender.
This complaint is frankly for the sexism I 've experienced from credit score companies.

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 2020-05-27
Company: Experian Information Solutions Inc.
State: DC
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 XXXX. Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.

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 2023-03-30
Company: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to CFPB Ref No : XXXX, XXXX XXXX sent a request to delete the hard inquiry, dated XX/XX/2020 in which CRAs must take less than 60 days since XX/XX/2020 to update my records. At the moment of filling the claim, XX/XX/2020, Equifax still reports falsify information about this hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Total Claim Amount {$43000.00} USD XX/XX/XXXX {$96.00} XX/XX/XXXX {$8000.00} XX/XX/XXXX {$16000.00} XX/XX/XXXX {$19000.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$400.00} The above transaction happened between Coinbase and XXXX. After I purchased Cryptocurrency on Coinbase, I initiated a transfer to a trading platform called XXXX. XXXX turned out to be a scam exchange platform. It is in my understanding that Coinbase verifies every platform where they agree to transfer funds to. But apparently they don't because they denied all responsibilities in the scam activity after I have sent them a complaint letter ( XX/XX/XXXX ) from which I never heard back.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 have received multiple inquiries, that I didnt apply for.

Company response to consumer: Closed with explanation