BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-05
Company: Bread Financial Holdings, 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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Three ( 3 ) returns are in the " back office '' of PayPal for review. Two of the returns have been received by the seller and the other one is in my possession but not true to size. It takes months for the so called " back office '' to review and refund the money back on my PayPal Credit account. Also it takes 2 weeks before PayPal will note a payment that is sent via USPS.

I was advised by a PayPal representative differently. I was told that when the merchant received the merchandise back, the refund would be placed on my account. This is not true.

It takes months for PayPal to refund credits on a PayPal Credit account even though the merchant has received the merchandise back.

PayPal is horrible and takes forever to make refunds and then it takes two weeks for the refund to properly register on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Ocwen Financial Corporation
State: LA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is calling my employer. The phone number is XXXX. They last called on XX/XX/2018 at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: JPMORGAN CHASE & CO.
State: SD
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 credit reports were impeccable untilXX/XX/312020, when my chase credit card added an inaccurate remark to my credit report files. This single error caused my scores to drop 128 points, even though everything still reflected 100 % positive standing. This fraudulent reporting Remark on my file reads account previously in dispute. My account has never been in dispute. There was no dispute whatsoever. Chase agreed to completely remove the remarks on XX/XX/XXXX, they confirmed this information incorrectly information should not have been submitted, was incorrect and would be deleted. I was assured this would happen within 5-10 days and everything would recalculate, but this did not happen. In fact, Chase confirmed with XXXX  that the remarks were accurate, and so they remain and I cant dispute them further. I received a letter from Chase that they reported that my account was no longer in dispute, which is further false reporting. Rather than removing the inaccurate remarks as they promised, they repeated their mistake and once again reported account no longer in dispute. My account status is flawless and has never been in dispute. When I contacted Chase for the second time, they told me they could not remove old remarks, even when the remarks are inaccurate. These remarks remain on different areas of all 3 credit reports, current and/previous. This is the only thing on my credit that has changed or is negative and it has absolutely destroyed my fantastic credit scores. There was no dispute of any kind open or active, this account was never disputed, and this reporting was fraudulent and unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've been trying to contact the credit bureaus and remove the fraud alert from my credit file.

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 2018-02-05
Company: EQUIFAX, INC.
State: NY
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 had a XXXX card that is now closed which was agreed on a buyout and I recently was on my XXXX XXXX and noticed it saying it was closed and is possibly building $ unsure what exactly going on there since it was all paid up however it was all agreed upon with a one time fee which I had paid and all was gon na come off my account. For some odd reason it is still showing on my credit parts from XX/XX/XXXX. I just want it settled and updated for XX/XX/XXXX that I do not owe anything since It was settled between myself and customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: AZ
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 been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all " Fraudulent '' request. I have not applied to any of these places.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Pusuant 16 USC 1692a ( 3 ) I am a Federally protected consumer, natural person, and the original creditor. Pursuant 15 USC 1692 ( a ) The Fair Debt Collection Practice Act is intended to protect consumers on unfair and abusive debt collection practice by debt collectors, to inspire that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection practices. Capital One Credit Card Services has been violating me as a Federally Protected Consumer. This includes unauthorized use of my credit card. Capital One Credit Card Services has been using misleading and deceptive forms in an attempt to collect on an alleged debt that is not owed. I have sent them an Affidavit of Truths x2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: Ability Recovery Services, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Company has been sent ( 2 ) debt verification request, the company has failed to comply with the request and it has gone past the 30 day mark as per the FCRA, the company continues unverified and false information to the credit reporting agencies and destroying my credit and reputation, I have made several request for the info to be removed until verified however this has not been the case and company was rude and refused to listen to request instead they continued to hang up on me when I requested to speak with a manager regarding the matter.

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 2020-12-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a Costco-CITI credit card # XXXX I pay in full every month, also have a checking / savinga account with CITI and have close to XXXX Credit score. I went to XXXX, did apprise them ... after a month or so they blocked my credit card. International colLect call did not work, when called the Rep was blinded with hubris asked me US Checking account # which at that time I did not remember. Called again with it but no use. Interestingly for legal reasons no e-mail available so contacted Executive Office e-mail only to get legalized lengthy letter basically absolving them of all responsibility and sorry you are suffering from such a situation. 
1 month has gone still credit card privileges not restored. My sister could not even pay by phone, I cant access my account online ... Reps lied saying a FRAULD ALERT reference code letter has been sent to the US address but we have not received any as I checked with my sister, a practicing attorney who lives on same address. 
I can understand CITI 's security concerns but this has gone too far that despite contacting executive 's office nothing has been done instead a veiled threat of damaging my credit. That too with a loyal customer who pays in full every month. 
Please do look in to the matter and restore my charging privileges as that is the only card I am carrying. 
My XXXX # is XXXX My e-mail is 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 2022-10-05
Company: Velocity Portfolio Group
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2022, I fell on some ice and XXXX XXXX XXXX. In XX/XX/2022, I got XXXX XXXX XXXX XXXX. I have been in a XXXXXXXX XXXX  for XXXX since then. Then I fell at the XXXX XXXX and XXXX XXXX XXXX. it seems there was a hearing about my credit card debt that had passed the statute of limitations of 6 years. At the hearing that I never got notice for The debt was restarted and the owners of the debt got a judgement against me and garnished {$3000.00} from my account. I have no income and I don't know when I can get back to work. I can't take it any longer. I'll XXXX  soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
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: Account status incorrect

Complaint:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX   only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: EQUIFAX, INC.
State: AZ
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:
MY NAME IS XXXX XXXX, I HAVE SUBMITTED COUNTLESS LETTERS TO THE BUREAUS REGARDING FRAUDULENT INFORMATION ON MY CREDIT THAT IS NOT MINE! THE BUREAUS ARENT HONORING MY DIPSUTES SO IM ASKING FOR THEM TO REMOVE ALL FRAUDULENT INFORMATION THAT IS ON MY FTC REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Exeter Finance Corp.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am in the process of purchasing a home and the lender pulled a mortgage report and unannounced to me was a XXXX XXXX XXXX collecting for Exeter finance. It seems like my entire life i have been having issues with my fathers info reporting on my credit report I called XXXX XXXX  who gave me the number to XXXXXXXX XXXX and they dont answer the phone. I then called Exeter who can locate an account of mine but i cant answer any verification questions including address because i never had an account with them i am stuck and dont know if this is id theft or a mistake. I do know it is keeping me from being able to purchase a home and am unsure if its even legal for them to report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: American Credit Acceptance, LLC
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: Account status incorrect

Complaint:
In direct retaliation against me for escalating my concerns with their abuse of me as someone who received a predatory loan from them - documented in complaints XXXX, XXXX that American Credit Acceptance company has refused to provide response to, ACA continues to harass and file false legal complaints against me as well as provide falsification of records and information to the credit reporting agencies. I have it well documented through electronic record in their systems as well as my recorded phone calls with their representatives that I repeatedly advised them that I was requesting a voluntary repossession and that it should be reported accurately upon voluntary surrender of the vehicle. For months on end ACA ignored me, refused to communicate with me and falsified records when I had no choice but to file a complaint with the CFPB because of their refusal to allow me to voluntarily surrender the vehicle. They have filed reports and statements to the credit reporting agencies stating that the vehicle was involuntarily repossessed ( all of my records, recordings and data prove otherwise ), along with them seeking action to recover {$31000.00} from me. ACA is attempting to bully and silence me as they do other customers into dropping my complaints and organization into a class action lawsuit against their company for unfair and deceptive predatory lending practices, falsification of records and financial abuse of their customers and failure to provide any response to my repeated attempts to have them retrieve the vehicle. Even now, they refuse to provide response to the CFPB. Further investigation into their practices and data records is needed to validate the abuses they have taken against me. Their representatives and management team orchestrating the actions against me are adept violating the regulations and laws meant to protect customers from the crimes ACA is committing. A review of their data records and all internal correspondence requested by the court will validate the information contained in my complaint along with the document upload I have provided that demonstrates their falsification of records and false reporting to the credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent a wire transfer of {$100000.00} to Coinbase onXX/XX/2017 to invest in bitcoin. Coinbase 's website claims that deposit of wire transfer will automatically appear in coinbase account in 2 or 3 business days. However, it has been almost 8 weeks now, and the money still has not shown up in my Coinbase USD account, nor was it returned to my bank account. 

I have sent Coinbase several tickets and received replies which seemed to be automatically generated by computer. Those replies repeatedly claim that wire transfer will automatically appear in my account and ask me to close the ticket, despite the fact that I have never seen the $ XXXX deposited in my account! 

Six weeks later, on XX/XX/XXXX, after I threatened to file a complain on CFPB, I finally got a reply with a name signed at the end of the email. A support team member named XXXX said that he would work with a specialist on my case. My hope was up, I thought this would be solved finally. Yet almost two weeks later, my case is still not resolved and I have not yet received any meaningful response with case specific information despite my repeated request to them. The only response I got was one email which apologizes for the delay and asks me to reply if I still have not received my fund. Of course, I have not received my fund. I replied and still nothing happened till today! 

This has been a nightmare. $ XXXX is not a small amount of money, 8 weeks are enough for a simple wire transfer. Yet I could not even get any meaningful reply on my case from Coinbase. All the replies seem to be copied from a template or simply AI generated reply. I hope that my complain through CFPB will help me to get my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Experian Information Solutions Inc.
State: NE
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 contacted the credit agency and the company themselves on numerous occasions since XXXX XXXX, 2020. I have both electronically and in writing by mail, submitted my identification documents, proof of address, identity theft reports and additional documentation. I also received notice that this account would be XXXX, deleted from my report and the title to the said vehicle sent to my address. 

The account has been refused to be blocked even after notification of my request for it to be blocked and still reports a $ XXXX balance. This was dealer fraud and the contract is not legit. I was also told I had to purchase a service contract if I wanted the vehicle by the sales manager along with the loan being written when I hadnt taken possession.

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 2017-08-04
Company: Experian Information Solutions Inc.
State: LA
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 've contacted Experian on many occasions about inquires I did n't perform. They told me I have to contact the companies. I did that & I was still told to contact Experian. They are giving me the complete run around.

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 2022-08-05
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax does not have a Credit file for me. They are the only XXXX that is not reporting on me. what this has done is show a " fraud '' tag on my credit report to my lender while I'm trying to purchase a house. I called on XXXX XX/XX/XXXX at XXXX CST with my lender to get this worked out because they are saying the only way to create a profile for me is for me to send them a letter through the mail with my PII in it to create a profile even though they confirmed all of my information on the phone. My lender sent a certified mail ( required signature on XX/XX/XXXX to their XXXX XXXX XXXX XXXX, GA XXXX. They received the letter on consumer side ). Equifax help desk is stating they never received it. Upon request from consumer and lender to removed the Fraud mask on reporting system and initiate a " no profile exist '' so that my VA Lender can give me a home loan, we were told that it is not possible without the mail-in. I feel that it is extremely unsafe to be sending this information through the mail when it could ruin peoples lives and they have already lost it once. Equifax customer service refused to provide a supervisor " per company policy and high call volume '', and said they could file an internal complaint for escalation. When asked what department it was going to be moved to, they would not provide a department name or details of complaint. When customer service rep was approached with sound logic of verification of ID and ran out of answers, She hung up on The consumer/lender. Consumer/ lender also sent a secure fax to their fax line that requires confirmation of response due to secure information on XXXX XX/XX/2022 at XXXX CST.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: National Credit Adjusters, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX I pulled my credit report and noticed it had a collection account from national credit adjusters for an amount of XXXX. The report says the account was made on XX/XX/XXXX. I wrote a dispute letter to the 3 bureaus stating that it had to be the result of identity theft and sent in the ftc identity theft report as well. On XX/XX/XXXX I received a call from XXXX with national credit adjusters threaten me to verify myself asking me personal questions and went as far as telling me someones social security number which I know is illegal. He said the debt was from XXXX of XXXX. I told him I never heard of XXXX XXXX and never applied for an account with them and he went on and on. I told him to cease all contact to me because they had the wrong person. On XX/XX/XXXX I received another call from the same number and when I instructed the call was being recorded and I told XXXX yesterday to cease and desist contacting me they cursed me out and hung up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Charlottesville Bureau of Credits, Inc
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: Account information incorrect

Complaint:
I PAID VALLEY CREDIT SERVICE IN FULL AND THEY PROMISED TO REMOVE IT FROM ALL CREDIT BUREAUS AND DID NOT! I PAID IT IN FULL XX/XX/2020.

Company response to consumer: Closed with explanation