BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2021 I used XXXX to transfer XXXX to XXXX XXXX a food service merchant to deliver hot food to my grandfather in XXXX XXXX. The recipient advised me that the funds were never received via XXXX. I reached out to XXXX to reverse the transaction with XXXX however they were unsuccessful in getting a response from XXXX so they were not able to reverse the transaction. As a result I reached out to my banking institution Capital One to dispute the transaction to fight on my behalf to retrieve my funds from XXXX. My dispute was wrongfully denied by capital one so I am taking the next step to see what can be done to retrieve the funds taken from my account as the recipient never received the transfer of XXXX from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: EQUIFAX, INC.
State: OK
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 was a victim of identity theft. I lost my wallet and the wallet contained cards, ssn, ID etc

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 accounts that I have paired off that won't remove from my credit I have unknown accounts on my report, and I have medical Bill  's and important information that violates my rights on the report I have tried to fix the issue several times I have also contacted the police because I have paid Bill 's and information XXXX XXXX I returned all their equipment and their still charging me. 
XXXX XXXX XXXX XXXXl XXXX and the XXXX account are medical Bill 's that have been paid they need to be removed XXXX XXXX   XXXX XXXX are unknown accounts which I complained about before see police report XXXX is account that I paid in full and they will not remove from my 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 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I guess someone got hold of my information and opened up an account with this company by the name of XXXX XXXX, which I knows nothing about. Because I never opened that account

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 2021-10-16
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a victim of identity theft and enclosed you will find a debt validation and full material disclosure request for the alleged debt I owe Midland Credit Management. I never authorized or entered a consumer credit transaction with Midland Credit Management, XXXX XXXX or XXXX  XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13
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: Account status incorrect

Complaint:
I have disputed the late payments report on XXXX  XXXX. The Credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-11-13
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of dthe informational evidence MUST BE IRREFUTABLE to be so.. Equifax failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX , and Chapter XXXX Bankruptcy Discharged XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Experian Information Solutions Inc.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$220.00} XXXX XXXX XXXX XXXX {$8400.00} XXXX XXXX XXXX {$410.00}

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 2021-10-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have a bankruptcy that was XXXX in XXXX. I purchased a house after the bankruptcy. When I tried to refinance my home I found out that Wells Fargo put a lien ( XXXX XXXX # XXXX ) on my home for a debt dated XX/XX/XXXX. This debt was included in my bankruptcy. In the letter, I gave them this information and request for them to remove the lien. A few weeks later I receive a letter stating they were working on it. On XX/XX/XXXX I received a call from XXXX XXXX ext XXXX, stating they could not find the lien and did I have any more information and I could fax it to her. I faxed her the paperwork from the title co. a copy of the judgment indicating the case and docket #. On XXXX I received another letter to contact XXXX ( no last name was given at XXXX. I called the # over 20 times in 2 days and it keeps ringing busy. so I called XXXX back and left her a message and faxed her a note stating such she never responded. I feel like I'm getting the runaround. Its been over 30 days since I started this process and I'm still at the 1st step and now no one is responding to me

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: EQUIFAX, INC.
State: WA
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:
In XXXX XXXX our mortgage was transferred to this company from XXXXk. We went 4 months without receiving a statement. The loan was paid off. XXXX incorrectly reported to the credit bureaus that the loan was over 120 days late over {$1.00}. We have repeatedly contacted XXXX and they agreed to remove all aspects of any reporting to any credit bureau. As of todays date, Equifax and XXXX are still reporting this account. We simply want it removed. 

XXXX agreed to remove this. See attached letter. Yet it has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: World Acceptance Corporation
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: Their investigation did not fix an error on your report

Complaint:
XXXX  has been non-compliant with removing the unverified account WORLD FINANCE CO which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that WORLD FINANCE CO was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Coinbase, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I Recognize un-authorized activity on my Coinbase account. I asked them to lock my account. XX/XX/2021 I learned that my email account XXXX had been compromised, the unauthorized access was used to gain access to my XXXX, XXXX, and XXXX accounts. XX/XX/2021 I secured my e-mail address with XXXX, changed my password and established XXXX using my phone. I also worked with Coinbase to secure and re-establish my account. We set up XXXX using my e-mail address. Someone has gained access to that account somehow and has changed the security settings removing my phone, voiding my e-mail address as viable contact and has established XXXX on it using another device. The hacker and Coinbase have effectively locked me out of my own account and has seemingly transferred ownership to someone else. I had about XXXX in my account. I had sold all my XXXX XXXX and had converted it to cash {$2800.00}, I was holding about XXXX {$900.00} XXXX and {$45.00} XXXX. I had verified XXXX on my bank accounts with my phone and removed them before I lost access

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-10
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for the XXXX XXXX credit card offered when I was making a reservation at a XXXX XXXX. The offer promised a {$50.00} credit on my statement and XXXX XXXX XXXX points provided I used the card to charge {$750.00} in the first three months after it was approved. The card was approved on XX/XX/XXXX. I put {$760.00} in charges on the card by XX/XX/XXXX ( which is the net after a credit of XXXX ) and I have paid all the bills on time. 

I am attaching screen shots of the offer, a copy of the approval e-mail, and a record of the charges I applied to the card. 

The credit and XXXX points should have been available to me within 6-8 weeks, but they did not show up. I called American Express on XX/XX/XXXX and they opened a case to review my request. I contacted them after two full weeks and was told it was still not reviewed. I contacted them today via an online chat session and was told the case is still open and it could take up to 2 billing cycles. 

I think their responsiveness given the promises made in the online offer is terrible. There is no direct feedback provided by them. I have to contact them whenever I want more information and so far all they can tell me is that it is still under review. 

I think the circumstances show pretty clearly that I lived up to the terms of their offer, but they have not fulfilled the offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-15
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt not owed. Disputed several times. Debt and amount was never verified as mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX and I received an adverse action letter from Santander Consumer USA. The letter states that Santander is unable to approve the terms of your credit request, using information from a credit application that was done through XXXX. According to 15 USC 1691 ( a ) ( 3 ), it is unlawful to discriminate against an applicant with respect to ANY aspect of a credit transaction and because the applicant has in good faith exercised ANY right under the XXXX. This is even stated on the letter at the very bottom. I also noticed that it mentions an application for extension of credit. A credit application is applying for credit. Pursuant to 15 USC 1602 ( f ), credit is defined as the right granted by a creditor. Creditor is defined as someone who regularly extends credit AND to whom the debt is ARISING FROM, pursuant to 15 USC 1602 ( g ). Included in that application was my social security number. Obviously thats how my consumer report was pulled. Pursuant to 15 USC 1602 ( l ), a credit card is defined as ANY card, plate, coupon book, or other credit device used for obtaining money, property, or services ON CREDIT. If I am not mistaken, my social security card is in fact a credit card. So in order for Santander to EXTEND credit, there needs to be a source of credit. That source is my social security card. In turn, making me the creditor because I extended my credit and I am who the debt would be arising from. So theyre falsely claiming that they extend credit when their website consists of financing options. Credit and loan/financing are NOT the same nor do they have the same definitions. A loan application is applying for a loan ; financing. So they are taking my credit source and denying me of my own credit based on information that is NOT verified. Finally, in the letter Santander states that if they obtained information from a consumer reporting agency as part of their consideration, they will list the agencys information, which they did. Now the proceeding sentence states that the reporting agency played no part in Santanders decision and is unable to provide specific reasons for the denial of credit. According to 15 USC 1681m ( a ) ( 3 ) ( B ), the latter of that statement is correct but to say that the consumer reporting agency played no part is completely false and contradicting of the previous sentence. It also clearly states that Santander obtained my credit score from this consumer reporting agency and used it in making our credit decision. So it seems as though the consumer reporting agency did in fact play a part in Santanders decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Equifax failed to demonstatrate proper procedures to remove the accounts 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 2020-04-29
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Have written National Credit System about the debt they are trying to collect I did not live in this apartment after the XX/XX/XXXX I am being charged for 6 days in XXXX for rent along with water, sewer, and trash, and pest control and 2 months of break lease fees totaling {$1300.00} The apartment was rented by someone else in XX/XX/XXXX. 
I sent a copy of where I had the lights turned off on XX/XX/XXXX I personally went in to the office and gave the assistant manager the keys to the apartment on the XX/XX/XXXX I received a letter stating that if I do not pay they have the option of garnish my wages, level my bank account, put a lien on my property and have reported me to the 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: NV
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 sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2018-11-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2018 I attempted to transfer my account from within XXXX XXXX. XXXX required my credit report to complete the transaction. I had frozen my report when the massive data leak occurred, so I needed to unfreeze it long enough for XXXX to have access to it. Following XXXX 's instructions, I called Equifax and requested they unfreeze the report. After several repeat calls to provide Equifax with enough personal information that they would acknowledge it was me on the phone, they agreed to unfreeze the report at XXXX. 
When XXXX tried to complete the transfer at approx. XXXX, the account was still frozen. Both I and the XXXX representative called Equifax again and this time were told it took " up to an hour '' to unfreeze the report. At XXXX, XXXX tried again, but the report was still frozen. I called Equifax again to see what was wrong and I was told they were having system problems and that it would be fixed in another hour. I reported this to XXXX, but my representative had gone off duty. 
This morning I tried again to process the transfer with XXXX and again I was told the report was still frozen by Equifax and that I should call them yet again when they open at XXXX. This II will do, but I resent the runaround they have given me. The power they have over the consumer isterrible. Someone needs to do something about them..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Immediate Credit Recovery
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
After having a XXXX, XXXX  related expenses skyrocketed. I can not afford to make the payment amount that they proposed. They would not defer the loan.  If I could defer the loan, my wife is working on getting a better job and we could make payments later this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: SUNTRUST BANKS, INC.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My car was wrecked while parked outside of my home. A police report was filed and a part of the other car containing the vin # was found. The vin # reported back to a rental car from XXXX. I contacted XXXX who stated the person who rented the car claimed the car was stolen and they would not be accepting responsibility. My insurance ended up taking responsibility. I had full coverage through my insurance with XXXX as well as GAP insurance through XXXX. Both companies made payments, but Suntrust states there is still a balance on the account. 
There should be no balance on this account as I made my monthly payments on time throughout the entire duration of the car loan, and had both full coverage and GAP insurance.

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