BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA
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:
There is a {$57000.00} auto loan, on my credit report from XXXX XXXX I have contacted them over and over again. I do not own nor have I signed for a Nissan truck, I asked them to remove the negative item off my credit report, because it is a error and fraud. They said, that they would investigate the matter and I didn't receive any update status etc. The collection account, is just remaining on my credit file and hurting my score and was in the process of doing a home loan and lost the loan, because Nissan, reopened the collection accounts investigation account and re-aged the collection account any score dropped 67 points. This is a case of fraud and poor accounting/bookeeping/poor management, on the part of Nissan. They should know without a doubt, whom they have sold a truck to for {$57000.00}. I never went into the dealership, gave my information, signed and agreement or contract, nor have I co signed or taken or received a truck from their company and it is causing me great hardship and harm. Nissan refuses, to correct their error, on my credit report.

XXXX XXXX and XXXX, are required to have a copy of all signed agreements /contracts in hand before reporting any accounts to the credit reports. This requirement, is in place, so that a account, can not be reported, without be verified and have sold proof, that the account actually belongs to the person, it is being reported for.

There has been no validation/verification, because there can not be one completed as this is not my truck or debt and none of the parties are showing any professionalism and morals, by refusing to correct a clear and present error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good Evening or Good Morning! Listen, Im not sure who I need to talk to in regards to this issue. I spoke with Portfolio Recovery Reps more than 30-45 days ago, and agreed to pay the account in full and I was instructed that they would ask the credit reporting agencies to remove the entire tradeline from my credit report within 30 days of account being paid. Listen, time has passed and it still hasnt be removed and I been instructed to check the policy on online that stated that they would remove it. When should I expect this to be removed? When do you report to the credit bureau? Please kindly escalate this issue immediately up to the chain to ensure this is remove within the next 24-48hrs as its hindered my chance to buy or rent a house for my family. Again, please send me an update that this is in the process of being removed as promised. Thanks! GS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have filed several complaints to the company still yet they have refused to fix my problem, a month ago i got a notification to reverify my identity on coinbase when i tried sending bitcoin out to a bitcoin address so i did and my account was verified again i got a mail that all restrictions were taken out of my account and i can now regain access to my funds but still yet the restrictions is still right there and my funds are tied down on coinbase, I have been sending mails and complaining through the contact us on the coinbase web nothing was done still yet my account is under restrictions for month all case numbers are : # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I turned in my XXXX XXXX XXXX on XX/XX/18. I received an incorrect tax bill for an entire year which I resolved with the town providing proof of early termination. I had contact XXXX XXXX and they stated they would do an abatement. The town has returned the excess money for taxes back to XXXX XXXX. XXXX XXXX stated Since XX/XX/XXXX they would send a corrected bill. I have received numberous phone calls from XXXX XXXX where they are not reading their own notes that this under abatement. They call my place or work, cell and wifes cell 2 to 3 times a week  looking for payment on the wrong amount. Every conversation ends with an apology and they will get a corrected bill out. My last conversation was with a supervisor by the name of XXXX and her employee id is XXXX. I'm simply asking for my correct bill so I can pay but we are continually harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
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: Their investigation did not fix an error on your report

Complaint:
This information for XXXX XXXX, XXXX XXXX, does not belong to be & I have not completed any applications with these companies. I have explained this to the people at TransUnion but they still report it. I have requested this to be deleted because this is all fraud.

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 2019-04-08
Company: JPMORGAN CHASE & CO.
State: NY
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:
On XX/XX/18 I took an XXXX from XXXX XXXX to XXXX NY. I had Approximately {$80.00} in XXXX credits that expire monthly that I was happy to use as it was nearly the end of the month so I set the trip to charge my credits in full. However upon arrival in XXXX the XXXX drivers XXXX malfunctioned and showed the fare incorrectly as {$15.00} so only that was deducted from my credits, leaving approximately {$64.00} in XXXX  expiring credit. The the next day ( XX/XX/18 ) the driver contacted XXXX  and the fare was corrected, however now FRAUDULENTLY charging a chase card I had on file. This was an unauthorized charge, as my original ride was fully paid for in XXXX credits. This would be akin to a frequent flyer taking a flight, then landing and the airline charging his credit card INSTEAD OF DEDUCTING THE MILES. I contacted XXXX   several times throughout the next few weeks, and received multiple incoherent responses from them. I then contacted chase who informed that since the credit card was in my XXXX   account, XXXX has a right to charge it. XXXX refused to change the payment on the ride, and my credits ( I did not have a chance to utilize them in the following 24/48 hours ) were left to expire. 

I vehemently disagree with XXXX & Chase. I initially fully paid for my ride in XXXX credits, and if XXXX decides to change the method on me after the ride was paid in full, I need to be contacted. ESPECIALLY AS THERE WAS ENOUGH XXXX CREDITS AS INITIALLY SELECTED TO PAY FOR THE RIDE IN FULL. 

As you can see from my attached communication, the XXXX   reps seemed to indicate that the " XXXX credits were not selected for the trip '' as you can see in my attachment of my communication with them and the initial receipt, this is patently false. 

Chase needs to refund me my money, as this is clearly a fraudulent charge that was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Multiple credit inquiries on the report that were not authorized 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 2018-12-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX  XXXX on behalf of XXXX is reporting a collection to my report. XXXX   has been out of business for a while and you can not correspond with anyone. XXXX  XXXX is acting as a collection agency however can not verify all the information. This loan was paid off to the original lender ( XXXX ) which has since filed bankruptcy

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 2021-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
On XX/XX/2020 I sent Capital One an Accord & Satisfaction offer for the FULL amount of the account listed. The 15 days expired for the deadline for the objection to my offer for the settlement. Based on Capital Ones non-objection to a 15-day restrictive endorsement notice, on XX/XX/2020 I included the settlement payment of {$1000.00} for account ending XXXX, and {$450.00} for account ending XXXX. Capital One agreed to the following : Once Capital One receives the payments of {$1000.00} and {$450.00} and upon endorsement of the checks in the amounts for {$1000.00} and {$450.00}, Capital One agrees to satisfy the debt on the above account. 
Upon payment Capital One, agrees to delete any negative items being reported to all Credit Reporting Agencies within 30 days and send me written notice of such deletion : and Capital One, will update the reporting on the account as PAID AS AGREED, with no late- payments or derogatory comments whatsoever, within 30 days to all Credit Reporting Agencies. 
In addition to the above terms, Capital One, must cease all collection or legal activity on the extinguished account noted above, unless debtor goes over 90 days into default on this Accord, which would render it null and void.

Capital One endorsed, cashed/deposited both checks in the amounts listed above, but has not held their end of the Accord. They are still reporting negatively to the credit bureaus as well passed the accounts over to collections. All of which are in breech of the legal binding agreement we have in place. I have reached out to the company every month since XX/XX/2020 but to no avail. I have also disputed with the credit bureaus, submitted all documents to support case, but they have done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Suburban Credit Corporation
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit report i notice a derogatory response in my credit report associated to suburban credit collection in which i sent written notice on ( XX/XX/2021 ) requesting for a validation of this debt under the fair debt collection practice act, that the claim is disputable and validation is requested. instead of validating the debt, Suburban credit collection failed to validate the debt. They equally went ahead to XXXX PIPPA regulations by getting my personal information such as my social security number, a list of my medical record and send them to me on ( XX/XX/2021 ). i never signed a PIPPA form authorizing them to have access to this information. Please i want them to delete this information from my credit file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good Evening or Good Morning! Listen, Im not sure who I need to talk to in regards to this issue. I spoke with Portfolio Recovery Reps more than 30-45 days ago, and agreed to pay the account in full and I was instructed that they would ask the credit reporting agencies to remove the entire tradeline from my credit report within 30 days of account being paid. Listen, time has passed and it still hasnt be removed and I been instructed to check the policy on online that stated that they would remove it. When should I expect this to be removed? When do you report to the credit bureau? Please kindly escalate this issue immediately up to the chain to ensure this is remove within the next 24-48hrs as its hindered my chance to buy or rent a house for my family. Again, please send me an update that this is in the process of being removed as promised. Thanks! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: SYNCHRONY FINANCIAL
State: UT
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:
SYNCB/CARE CREDIT : XXXX This account was paid several months in advance. This should not be reporting as having lates due to this being paid beforehand.

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 2019-04-08
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I started using paypal to store money on my wallet, from the start it was good and now im unable to accept my money on paypal. 

They are frauds they forced you to update the app and now you cant use your own money, Paypal are frauds. 
They took my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
Portfolio Recovery is reporting erroneously that this account is open. 
I have no open account with Portfolio Recovery. 
I have no contract with Portfolio What is a factoring account? 
I have disputed and it has come back verified. 

I wrote to the BBB of Virginia on XX/XX/2018 and has been assigned case # XXXX The BBB response was as follows : " We have reviewed your complaint and see it is outside the realm of assistance provided through BBB. However, in order to be of some assistance, BBB has forwarded a copy of your complaint to the company. BBB did not request a response from the company, therefore, no further action will be taken by BBB and has closed your file. '' What??????!!!!! 

So, I paid them, and my account shows open and reporting, hurting my credit, and the BBB refused to help me and is useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Experian Information Solutions Inc.
State: GA
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 have requested for fraud alert removal and it's still showing on my account and this is affecting my ability to open a bank account. I need the fraud alert removed as soon as possible.

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 2020-05-06
Company: EQUIFAX, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
I submitted a dispute with Equifax for a medical collection I paid back in XX/XX/XXXX. I submitted the dispute online with Equifax and XXXX  on XX/XX/XXXX. XXXX  requested I mail supporting documentation, Equifax allowed me to upload supporting documentation. I provided the same documentation to both credit bureaus. I provided proof of credit card payment and an email correspondence with a lawyer which included the payment confirmation number. After 30 days the record was removed from XXXX ( XX/XX/XXXX ), however it remained on my Equifax report. I contacted Equifax on XX/XX/XXXX about the matter and they advised the creditor was still reporting the debt as accurate. I inquired about the proof of payment that I provided, and they advised that it wasnt attached to the dispute when they contacted the creditor and they would submit another dispute and it should only take about 7 to 10 days. I was on the phone 22 minutes with the associate. I followed up on XX/XX/XXXX and was on the phone over an hour and got disconnected. During that conversation the associate advised that the dispute didnt look like it had been submitted with the documentation. So yet again Equifax failed to get this resolved properly. The call got disconnected after 1 hour and 3 minutes. I called the medical creditor and they advised they have provided proof that this debt is no longer valid to the credit bureau on 3 separate occasions, 30 days after payment was made in XXXX, in XXXX and in XXXX. All these dates coincide with all the times I followed up with Equifax. I called Equifax a third time to try and resolve the matter with a supervisor on XX/XX/XXXX and she confirmed she had the documentation that showed proof of payment, however they will not remove the incorrect reporting debt because they claim the creditor said it was accurate and they want me to provide additional proof outside of what I've already provided. I am trying to buy a house and need this resolved immediately. I have done my due diligence in getting this matter taken care. The debt never appeared on XXXX, and was removed from XXXX upon review and dispute. However Equifax has failed to follow through with removing this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have requested for fraud alert removal and it's still showing on my account and this is affecting my ability to open a bank account. I need the fraud alert removed as soon as possible.

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 2018-04-19
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Discover Miles credit card got shut down with an meaningless reason " we are no longer be able to meet your servicing needs. '' and the customer service has no clue about this situation. Only said the bank closed my credit line because of business which is not relevant to me because I paid every bill on time since I have the card. This inconvenience made me lose chances to purchase lots of good deals and earn miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Phoenix Financial Services LLC
State: LA
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:
Phoenix Financial has reported a collection on my credit report for {$200.00}. I have sent a validation letter to get the account verified but they have not done so. I have even asked for these things 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt. 
3. Valid copies of the debt agreement stating the amount of the debt and interest charges. 
4. Proof that the Statue of Limitations has not expired. 
5. Complete payment history on this account along with an accounting of all additional charges being assessed. 
6. Show me that you are licensed to collect in my state. 
7. Your license numbers and Registered Agents They did not provide me with any of this information and they put on my credit that I have disputed this account. All I am doing is validating the account how could this be a dispute? That is false information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I payed faithfully 18 months on time payments overdraft my acutal banking account if necessary. This was my first actual credit card after 18 months with a {$500.00} credit limit. I was notified i owed over $ 1k dollars as XXXX year old working for $ XXXX/an hour XXXX job. I refused to pay. I asked how was this even possible. The representative responded my payments didn't go through. I then replied if this were true how was i granted more credit. I was told that i was being sneaky mind you all my payments were done via the actual discover app straight from my bank account at the time and i had the overdraft fees to prove it. I sent in documents and disputed my heart out as i watched for the very first time my credit plummeted. I eventually saved up and payed in full expecting it to be deleted, and to put this all behind me. Naive of me it never did and my credit went up maybe 6 points. 6 years later my credit still has never been the same

Company response to consumer: Closed with explanation