BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-03
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/2021, Someone hacked our bank account. The hacker authorized several bank reversals dating back to XX/XX/2021. My husband and I contacted the bank to have the credits reversed back to all merchants except for my landlord, who I made arrangements to pay. The only merchant that did not get paid was XXXX. The money was debited out but not dispersed to the merchant. I called the bank to ask why hadn't they sent the money to them. Whenever I call customer service, I keep getting a run around about my money. I want the {$390.00} and insufficient fund fees debited out of my account credited back. The date this transaction took place was XX/XX/2021. I am a long-time customer of Chase bank, and I will be seeking legal counsel if this is not corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX. 
Car was Financed with Golden1 Credit Union and Gap Coverage with XXXX XXXX My son had a Total loss accident on XX/XX/XXXX. 
Today is XX/XX/XXXX and my account with Golden1 has been placed in collections for {$8100.00} as of XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX has been calling me on behalf of the credit union. My credit score is at poor and it saddened me that this has become a nightmare. 
XXXX paid right away and I assumed my Gap Coverage would take care of the balance shortly thereafter. After numerous calls with XXXX, Golden1 Credit Union, and XXXX i was told not to worry it would be taken care of. 
Months go by I assumed the credit union was paid in full. Unfortunately, they were not and this balance became my responsibility. XXXX made the first payment of {$2500.00} in XXXX and this left me with a balance. I was unaware why, called and called, I finally was told that I also needed call XXXX Dealership to issue a refund to the credit union. This was the first time I was ever told this and it now months after the accident. The rep. told me they dont know if they can back dated to XXXX because it is now XXXX but she would do her best. By now my account has been sent to Collections and XXXX XXXX XXXX are calling me for money that I understood the Gap Carrier was to pay. XXXX issued payment XX/XX/XXXX in the total amount of {$3400.00}. XXXX made an additional payment of {$190.00} XX/XX/XXXX. To my surprise XXXX XXXX XXXX has no record of these payments and as of today, they are requesting {$8100.00}. I called the credit union twice today and each rep. treated me very unprofessional and like XXXX! I am totally disappointed and my credit score is damaged. I feel that I have been treated unfair, between the insurance carriers, the credit union and the dealership this should not have happened and I should have a XXXX balance due. Please help!

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 2022-12-01
Company: FirstPoint Collection Resources
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) rendered services for a procedure I had in XX/XX/2023, I spoke with a representative and told them I had insurance at the time through XXXX XXXX and advised them to bill for these services. Next thing I know, I'm receiving a collections notice from First Point Collection Resources indicating the full amount owed as though the insurance was never billed as they were to have initiated. This is causing undue stress as this debt should have been billed and covered by my insurance and will now possibly negatively affect my credit because of XXXX XXXX XXXX XXXX XXXX  incompetence for billing appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX, 2018 my bill did not go through Barclays Bank Delaware - account with XXXX missed payment. I am kindly requesting Barclays Bank Delaware to remove this missed payment from my credit reports. Previously I received response from your company. 

'Upon review, your XX/XX/2018 billing statement closed with a minimum payment of {$27.00} due by the XX/XX/2018, due date. As no payment of at least the minimum amount due was received by the due date, a late payment fee was assessed to your account in accordance with your Card member Agreement. We received your payment on XX/XX/2018. As the account did not go 30 days past the statement due date, no negative reporting took place. Additionally, we confirm that your account has no delinquencies reported as of the date of this letter. I have enclosed copies of the associated statements for your reference. ' I am asking about the late payment on XX/XX/2018. See attached screenshots.

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 2021-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 a XXXX late payment from 5 years ago listed on my closed Capital One credit card that is being reported to all 3 credit bureaus. That card had a perfect payment history with the exception of this XXXX derogatory remark on XX/XX/2016. I contacted Capital One to get more information regarding this late payment. They stated that they did not have any information on record and were extremely rude and short with me stating there is nothing they can provide or explain to me regarding this account information. Even after escalating this issue to supervisors, I was told the same response. I am extremely disappointed in Capital One 's handling of this issue and regarding this late payment reported to my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Experian Information Solutions Inc.
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:
Fraudulent reporting on behalf Experian ;

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 2021-09-21
Company: PROVIDENT FUNDING ASSOCIATES
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Radius Global Solutions LLC
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 information incorrect

Complaint:
This account is an unknown account/balance 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 2021-09-21
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My wife and I sold a previous home in XXXX and the mortgage lender freedom mortgage had asked why we were not using them to buy our next home. After that suddenly we were being told that 2 months of mortgage payments were late which was obsurd due the fact they were set automatically each month through our bank XXXX XXXX XXXX. We then contacted the bank and have statements proving that we were not late on any payments over 30 days that they were all paid within the time period. 

After bringing this to there attention and showing them proof they still would not take care of the situation and low and behold now our credit took two hits, and they refuse two fix anything even though we showed them all of the mortgage was received. After investigation this is not the first time Freedom mortgage has been sued for previous occurrences similiar to this and I want them to correct what they have attempted to destroy. The amounts I always paid were XXXX which the amount was about XXXX and some change.

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 2019-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I submitted a fraud claim to boa in XXXX about unauthorized XXXX charges in the approximate amount of {$6000.00}. It took boa less than 5 days to deny the claim, even before I was able to provide any documentations and their trivial reason was that i logged into my boa online account during the time the charges took place, which means I'm aware of them. I explained to them that that's incorrect and although I've done business with XXXX, those charges were unauthorized. I even sent them proof from XXXX itself, telling me that my account was hacked and encouraged me to report all unauthorized charges to my bank. I reopened the claims weeks ago with the XXXX admission of hacking, police report number, FTC complaint and OCC complaints. Not a single update, I even contacted their phone representative and all they said was I don't know, I'll notate the account. These are claim numbers and amounts as well as the fax text I've seen along with the supporting documents : Hello, Attached are supporting documents for claims : Claim No. XXXX {$2900.00} Claim No. XXXX {$2900.00} My XXXX account was hacked and XXXX has told me in writing to dispute all unauthorized charges that went unnoticed over a long period of time. I also uploaded a copy of my FTC and OCC complaints. In addition, I filled a police report with XXXXPD : XXXX and was advised to file a report with IC3.gov. I would truly appreciate a diligent and prompt reversal of all charges in both claims. 

Warm regards, 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 2019-11-10
Company: EQUIFAX, INC.
State: MI
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:
Date : XXXX USPS CERTIFIED + To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX From : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : File a consumer dispute : 3 Errors on my Equifax Credit Report ( 1 ) I talked to the representative of XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX @ XXXX ( see XXXX XXXX XXXX call log back-up ). The lady told me my ending cycle date is the XXXX of each month and they report to all 3 credit reporting agencies each month and they do not have or never had a balance of {$200.00}. We were both bewildered. She said, XX/XX/XXXX my ending statement balance was XXXX and she see two payments : ( 1 ) XXXX dated XXXX and ( 2 ) XXXX dated XXXX XXXX XXXX. Equifax : As of XXXX Equifax has {$200.00} posted against my account. Please update/fix Equifaxs system. 
. 
( 2 ) Theres an error under my personal information other identification information. I received a notification, XX/XX/XXXX. Someone changed the current address as XXXX XXXX XXXX XXXX, FL 2, XXXX, IL XXXX which is an error, dated XX/XX/XXXX on my credit report system. My current address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX. The Dispute ID XXXX XXXX was NOT updated ( 3 ) Why someone at Equifax establishment made my ssn NOT pass the verification requirement in the Equifax system. Making my ssn unable to be located in Equifax system by other companies including Equifax. 

Filename : Equifax XXXX XXXX SEE 9 ATTACHED DOCUTENTS : 1. Letter Box XXXX + Dispute XXXX Has not been updated > Confirmation XXXX + Dispute XXXX + My Equifax Report Contact Information + XXXX XXXX  XXXX 2. XXXX XXXX XXXX Phone log to XXXX XXXX / + XXXX XXXX transaction sheet 3. SSN Card 4. XXXX XXXX XXXX Bill + Pay your Bill Payment to same account XXXX XXXX XXXX XXXX Bill Tracking ID XXXX / {$5.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My account with coinbase was compromised so I locked it on XX/XX/2020. Ive made multiple tickets for help through customer service with no response. I have a lot of money sitting in this account but no way of getting into my account and have had an account for multiple years. Coinbase has not even tried to contact me to start getting things resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
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: Information belongs to someone else

Complaint:
I requested to all Credit bureau to provide Method of verification and they never responded about that matter. I ask what certified documents were reviewed to conclude your investigation? Please provide me a copy of all information that was transmitted to the data furnished as part of the investigation as required by FCRA. Who did you speak with? What was the date? How long was the conversation? what was their position? All of these questions were on the letter I sent to all three credit bureau and they didnt respond.also show proof of Notice of reinstatement, Notice of sale, Notice of deficiency, and my signature. This credit bureau is reporting fraudulent accounts and inaccurate accounts.Credit reporting laws ensure that bureaus report only 100 % accurate credit information.Please remove these accounts from my credit report. This is Defamation of character .. 
CREDITOR AGENCY, XXXX XXXX XXXX # XXXX CREDITOR AGENCY, XXXX XXXX   XXXX XXXX XXXX VISA # XXXX CREDITOR AGENCY, XXXX XXXX # XXXX CREDITOR AGENCY, XXXX XXXX XXXX ACCT XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: SYNCHRONY FINANCIAL
State: TN
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 recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by SYNCB/TJX CO DC XXXX XXXX XXXX 2022. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act, as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed by myself, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 15 U.S. Code 1681j, there should be no charge for this 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 non-monetary relief
Consumer complaint received 2023-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Dear Sir or Madame, Firs time i reported my identity theft was long ago. Responsible for this is XXXX XXXX I was using android platform in iOS iPhones platform and when i called to complain and report the issue an employee completly ignored my complaint, while i was in the phone with him I contacted XXXX XXXX XXXX so i would have third party witness. My Capitol one card was stolen and used I allowed XXXX XXXX support to access my mac/iphone screen even they were shocked what they heard from XXXX XXXX employee say and what they saw in my screen what was going on. Basically an emplyee was asking directly to transfer all my data to him or someoneelse not sure. But I give XXXX a complete permition to provide you guys with all information you guys need, and since of course they record phone calls i gave the lady from apple permision to provide that too. She couldnt belive what was going on i was very lucky to have XXXX assist. I contacted XXXX  they sent me a free phone trying to hush-it and I saved everything. I wrote the corporate twice in the mailing address and never heard back. I have enough proves. I am begging someone for help I am immigrant in this country been persecuted and I work so hard to better my life and all on my own. You can even XXXX my name and read my story how I got here. XXXX XXXX they have crashed my credit report.never been through any thing like this. I am giving you gays completeperition to have all my devices and anythin you guys need to help me with this. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: Experian Information Solutions Inc.
State: NV
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've been fighting Experian for 2 years to remove a collection account that has ruined my credit and caused financial hardships. The collection account does NOT belong to me. And I disputed it over and over and over again but they refused to change it or send me any proof of account ownership. Under section 609 a of the FCRA I'm entitled to see the original document including my signature to verify account ownership, but they failed to provide me with that. In fact, they stated that everything is submitted electronically. I demand immediate removal of such account or I'll seek punitive damages via trial by jury. Enough is enough!!!

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 2022-11-25
Company: EQUIFAX, INC.
State: CA
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX ( Original Creditor XXXX XXXX XXXX  XXXX  ) XXXX, and XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation