BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-01
Company: Coinbase, Inc.
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
they will not let me trade anything at all. 

XX/XX/XXXX was the last day they let me trade. Just holding my currency XXXX. Seems to be the way crypto companies make any money these days. 

I opened a ticket with them XX/XX/XXXX and still not resolved nor give me a timeframe or reason. won't tell me why just this : XXXX, after taking a look at your account, we see that you're not eligible to purchase cryptocurrency or add cash using your linked payment methods. You may also have difficulty linking a new payment method. 

There are a number of factors that affect purchase and eligibility to add cash, and we're not able to provide specific details regarding our security processes or account reviews. 

We've transferred your case to our team of specialists to look into this further and determine your account eligibility. We know this isn't the ideal experience, but we will contact you as soon as we can.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: CURO Intermediate Holdings
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:
Upon checking my credit report on XXXX, I noticed various " hard inquiries '' from companies from which I've never applied for a loan. 

On my XXXX  report, a hard inquiry is shown Curo Management, LLC dated XX/XX/2021. I did not apply for any product with Curo ( or any brand or company owned by Curo ) on that date. 

I reached out to Curo via email on XX/XX/2021, and followed up on XX/XX/2021, asking them to investigate and remove these unauthorized hard inquiries. I did not receive a response. 

On my XXXX  report, a hard inquiry is shown from XXXX XXXX for the same date, XX/XX/2021. I contacted XXXX customer support on XX/XX/XXXX and followed up again on XX/XX/XXXX, but the team did not investigate the unauthorized hard inquiry nor remove it from my report. 

I would like these unauthorized inquiries removed from my credit reports, as they are damaging my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: EOS Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please help assist me with an account that is listed on my personal credit file which I have disputed and requested validation and nothing. This is an unknown account as I have never done business with a company called EOS and do not have any outstanding amount owed. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: Integrity Solution Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Integrity Solution Services and XXXX XXXX XXXX are BOTH reporting a medical collection account for {$610.00}. This double reported has severely impacted my credit. They both need to be removed from all XXXX credit reporting companies. I have sent letters to the above companies without results. PLEASE HELP

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: IL
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$490.00} ; XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$680.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX US BKPT CT XXXX XXXXXXXX Bankruptcy XXXX XXXX-discharged Reference # XXXX XXXX XXXX Filed/Reported : XX/XX/2018 ; FED CT Bankruptcy : Discharged XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; U.S. Bankruptcy Court XXXX XXXX bankruptcy discharged Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, IL 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 2023-03-16
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive been receiving repeated emails and phone calls from this company alleging that I responsible for a {$950.00} debt. Ive never entered into a contract with this company and theyre in violation of 15 U.S. Code 1692e - False or misleading representations U.S. Code Notes A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

15 U.S. Code 1692e - False or misleading representations U.S. Code notes A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.

This company is committing fraud by attempting to collect a debt thats been charged off which is a Federal Offense by law.

Duties of person taking certain actions based on information provided by affiliate ( A ) Duties, generally ii ) does not include ( I ) information solely as to transactions or experiences between the consumer and the person furnishing the information ; or ( II ) information in a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor, has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an openend consumer credit plan as late for any purpose. 

Please remove any latte payments from my credit report for the following : Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: PNC Bank N.A.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On Friday, XX/XX/XXXX, I went to XXXX XXXX XXXX in XXXX, XXXX to test drive a XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ). The XXXX XXXX was listed on XXXX as a diesel vehicle, and XXXX XXXX XXXX salesman XXXX XXXX said, explicitly, that the vehicle was a diesel during the test drive. He pointed to the " XXXX XXXX '' badge on the exterior of the vehicle as he said this. After a test drive I opted to purchase the vehicle for {$23000.00}, using my XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) as a trade-in for {$12000.00} with financing covering the remaining {$11000.00} over a 48 month term. 

On Saturday, XX/XX/XXXX, I needed fuel for the first time in the XXXX XXXX. I opened the fuel cap and found out that the vehicle did not, in fact, have a diesel motor. Instead, it was a gasoline vehicle accepting 95 octane premium. After some research, I came to discover a common point of confusion in XXXX XXXX branding. " XXXX XXXX '' indicates direct injection technology, whereas " XXXX '' indicates diesel technology. I went back to XXXX XXXX XXXX and expressed my displeasure with being deceived. I asked them to unwind the deal and they refused. XXXX XXXX XXXX ownership and sales stopped returning my calls, and on XX/XX/XXXX, they opened a loan in my name via PNC Bank. I contacted PNC after receiving the loan paperwork and explained to them that I believed the sale of the vehicle was facilitated by false advertisement and outright lies during the test drive, and was therefore fraudulent. PNC refused to the remove the account saying that this was a civil matter between me and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: PA
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:
Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$7100.00}.

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 non-monetary relief
Consumer complaint received 2020-10-07
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:
Hi, My name is XXXX XXXX. 

I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out they range from XX/XX/2020 to XX/XX/2020 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EQUIFAX RECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: Flagstar Bank, N.A.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX tacks a XXXX dollar fees on their one time payment system slyly hoping people will ignore and pay extra. 

I am supposed to pay XXXX and the system just added a fees in the bottom of XXXX dollar for no reason. 

Your MyLoans payment has been processed.

Your payment in the amount of {$2000.00} has been processed.

To view this transaction, log in to MyLoans.

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 2017-08-28
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Online Information services Service for years have been showing on my credit report that I owe two amounts owed for {$100.00} and {$160.00} since XX/XX/XXXXand both of these amounts have been paid in full and when I call on XX/XX/XXXX I was told by them that the doctors office had to call to have it removed but when I spoke to the Doctors office on the same day they said that the collection agency would have to call them, both parties are giving me the run around about removing this false information because the Doctors shows both amounts have been paid years ago and it is affecting my credit profile and credit score badly. This is the account numbers Online Information Services are showing XXXX and XXXX and they show unpaid but the Doctors office that reported said that have been paid. Please help me get this cleared

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, XXXX XXXX XXXX has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that XXXX XXXX XXXX provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continue the reporting of the disputed account, please understand I will seek legal action. I need the account removed as soon possible : XXXX XXXX XXXX Date Reported : XXXX Balance : {$650.00} XXXX XXXX XXXX Date Reported : XXXX Balance : {$770.00}

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 2022-08-14
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2022 we received an AMEX Credit card ending in XXXX to our address with a name of XXXX XXXX XXXX on the card, which was no one that we know. 
Rather than call the service number ( XXXX ) listed on the possibly fraudulent card, I called American Express Customer Service ( XXXX ) and struggled with the IVR that kept requesting info regarding my wife 's card which is a valid AMEX Card registered under my wife 's name at our address and at the number from which I called. 
But I was calling about a completely separate card that had been sent to my house in apparent error or fraud. Finally, I got through to XXXX ( ID # XXXX ) who transferred me to XXXX ( ID # XXXX ) with Account Security who said she couldn't help me and transferred me to XXXX ( ID # XXXX ) with the Identity Protection Team in the Fraud Department who said that AMEX is unable to tell me whether the reason I was sent the card was either an error by AMEX or a third-party fraud attempt, the latter case would require me to further investigate. She disconnected me insisting there was nothing further she could do. 
I called back, same issues with the IVR, but this time I was connected with XXXX ( ID # XXXX ) with the Dispute and Fraud department. I got disconnected from her but she was kind enough to call me back ; however, after investigating further, she ultimately came back with the same response that AMEX would be unable to tell me whether it was an AMEX error or third-party fraud attempt. 
Earlier, XXXX had suggested I call XXXX, XXXX or XXXX to check my credit. I am NOT the company with the $ XXXX Market Cap that sent XXXX 's card to the wrong address so I am not going to waste far more of my time investigating an issue with a third party when it was very possibly caused by AMEX errant processing!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We applied for a mortgage through XXXX XXXX. Chase is issuing the loan. 
Chase refuses to discuss this issue over the phone so we can resolve the issue. 

Based on the actions to date, I believe Chase is taking actions based on my race and/or gender in violation of the Fair Housing Act. XXXX XXXX is a minority, woman-owned XXXX XXXX in the State of California. As stated on my profit and loss statement and balance sheet, the business provides XXXX XXXX XXXX. Chase continues to tie the financial viability of the business to approval of the loan, even though we have demonstrated that there are sufficient personal assets to meet the requirements of the loan and the assets of the business were not used as a basis of the loan.
Chase is holding our mortgage application to a higher and/or different standard due to my race and/or gender.
Chase is effectively denying this loan by drawing out their quality review process far beyond the close of escrow date and their stated quality review timeline of 72 hours. 

A detailed explanation of the situation, buyer 's situation, and requests for actions are in the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: PNC Bank N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I dont agree with pnc bank XXXX I feel their lending guidelines are not compliant lending guidelines. Pnc approved me in XXXX then again in XXXX for secured loans, I have a banking relationship with them as well for years. Now I am trying to obtain a unsecured loan and being told that an account ( XXXX XXXX  ) that was in my bankruptcy from XXXX is a reason for decline plus a XXXX XXXX  account also known as XXXX which was my ex husbands. BOTH of them were on the ORIGINAL reports when I was approved -so why- why am I declined?!? Pnc does not use common sense nor good business sense to lend to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: WELLS FARGO & COMPANY
State: MD
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:
InXX/XX/XXXX had applied for a loan with Wells Fargo Bank but changed my mind and canceled the account Wells Fargo said they would close the account but inXX/XX/XXXX I received a letter form Wells Fargo that my credit card application was approved but inXX/XX/XXXX it was to be closed I called Wells Fargo they said they will take care of it I checked my credit report its listed as a open account I called Wells Fargo automated system on XX/XX/XXXX and the account is still open.

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