BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-01
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Im id and social was stolen and I reviewed my credit and noticed that I had a credit card on my report that I did not open ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: Coinbase, Inc.
State: GU
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I signed up with Coinbase and purchased some XXXX, XXXX, and XXXX via their website. Soon afterwards, I could n't access my account because the system required an additional " ID Verification '', which would not work. I tried contacting Coinbase through their website customer support, but only got automated responses weeks later, which did not resolve the issue. I tried other methods and finally got the verification cleared, but all my linked accounts were subsequently deleted from my Coinbase Account. When I tried to re-add them, I just got a message stating, " That bank account has already been added to your account. Please contact support to reinstate it. '' It 's been way over a month since I 've sent numerous requests via their online support, but received just one general response ( about a month after my first request ) that stated, " Thank you for contacting Coinbase Support. We sincerely apologize for not being able to provide you resolution in time.
Since we are currently working on volume of inquiries. Truly appreciate your patience over the matter. Rest assure we will address your concern and provide you with the right resolution as well.
If you are still experiencing this issue, simply reply to this email with screenshots of error messages or other relevant information that you think would help us solve and understand the issue, and we be happy to work on a resolution for you. If your issue has been resolved, no reply is needed.
Again Thank you for your patience during this time and for your continued support while we improve our service. '' [ *Case # : XXXX. ] I can not sell and recover my investment, which is valued right now at {$10000.00}, and they do not respond, there is no phone number to call and speak to a physical customer representative, and my funds are being held hostage as there is no way I can recover my money as long as they do not reinstate my back accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
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 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 XXXX XXXX XXXX XXXX I have visited multiple car lots and I only authorized them to check my credit once but they checked it numerous amount of times unauthorized. Which negatively impacted my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: EQUIFAX, INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I XXXX XXXX am a victim of identity theft and need the following fraudulent account removed. 

XXXX XXXX XXXX XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Deutsche Bank
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX was deducting our personal XXXX checking account monthly fees that were not authorized. I never authorized this and they provided me no proof they had authorization for deductions even after multiple requests for a contract that they had claimed they had. I found they had deducted {$4900.00}. When I contacted the company they had no explaination and provided no contratual agreement to take money from account. They said they would only refund {$1500.00} of the money that was taken. They had no reasoning. I would like a full refund of the funds taken from my account without my permission. Please help in assisting me get my money back. I don't know who else to contact for help to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: EQUIFAX, INC.
State: MO
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 disputed 2 student loan account with XXXX  XXXX about 4 student loans that are on my credit report. The loans reports the same address with different loan numbers and phone numbers but same mailing address. Account that I want deleted has the same mailing address a XXXX XXXX as the accounts that are valid. The accounts that are duplicated are set to move off my credit profile on XX/XX/19. I want them removed now because of the duplicate address. How can a company sell or transfer 2 student loans to another company sharing the same XXXX XXXX . My XXXX has one 2 student loans not 4 and my equifax has 4 student loans not 2. They must be affiliated in one way or another and should not be reporting twice effectively lowering my credit score. At this point I am demanding that the 2 student loans be removed from my credit profile for both XXXX  and Equifax ONLY. The account numbers are loan # XXXX XXXX Account # XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
Company: Commonwealth Financial Systems, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Yesterday I was notified by XXXX XXXX  of a new collection from Commonwealth Financial Systems for {$70.00} that hit my credit report on XX/XX/XXXX. I have never been contacted about this debt before, never received any notices that I owed anything, no notification of my right to dispute. There was no information about what it's for aside from " XXXX XXXX XXXX XXXX '', no dates for when the original bill was incurred, no proof that it was actually incurred by me, just a random collection suddenly appearing on my credit report. Who even goes to the ER and gets away with only a {$70.00} bill?! I truly believe this company just makes up debts and re-ages ancient debts that are past the statute of limitations. I disputed it with XXXX  and they removed it immediately, but this is very upsetting. This company has hit my credit with multiple unproven ER bills in the past, all of which were disputed and removed, and I have an active fraud alert in place partially thanks to their antics. I have read many complaints from people stating they were hit with collections from this company after opening a XXXX XXXX credit card and I do think there is a connection. I have a bank account with XXXX XXXXXXXX and I applied for a credit card with them about a month ago, and now all of a sudden I coincidentally have a new collection from Commonwealth. Highly suspicious! I'll be closing my XXXX  account too as they seem to be in bed with Commonwealth.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
HELVEY & ASSOCIATES Contact XXXX XXXX XXXX XXXX XXXX, INXXXX ( XXXX ) XXXX I paid XXXX XXXX  directly in full. called Helvey & associates with paid account information the person I spoke to was upset I had Gas company and not them, said they would not remove it as showing in collections even with a {$0.00} balance. because I owed them. It is still showing as 1 account in collections with a {$0.00} balance. I have lost 2 places to stay because of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Ability Recovery Services, LLC
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 information incorrect

Complaint:
I have disputed the reported information and notified several times of the inaccuracies, inconsistencies across reporting agencies and fraudulent duplication. See attached from my XX/XX/XXXX credit report. I was not notified of debt prior to reporting by Ability Recovery to credit reporting agency which is a violation of my right to validate and verify prior to continued collection efforts.

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 2023-03-28
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$470.00} XX/XX/XXXX XXXX  XXXX XXXX {$3000.00} XX/XX/XXXX XXXX CREDIT XXXX XXXX {$1200.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX  XXXX {$120.00} XX/XX/XXXX XXXX  XXXX {$85.00} XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: M&T BANK CORPORATION
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX  XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, M & T BANK DIRECT add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-10-25
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called Santander trying to get my late morning payment off my account since I payed it already and havent heard nothing back at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These are not my accounts, nor have I lived at this address. Please kindly remove it from my credit profile.

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 2020-11-17
Company: Chime Financial Inc
State: NJ
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 use a bank online called chime. I used my chime card to make a purchase online on XX/XX/2020 for {$73.00} for one item. I received the confirmation for the one item but I notice that my card was charged twice when my statement came up on my phone one was for XXXX XXXX and XXXX XXXX both from this same company on the XXXX for the same amount. I called the merchant they only see one order in there system but the bank sees 2 orders both for {$73.00}. The bank says it's still pending as of today the XXXX th. But the merchant is still saying there's nothing in there system for this 2nd charge. I look up reviews for chime because I just start using them and I'm not the only one with this issue it's clearly the chime bank who's stealing our money. They won't dispute it saying it's pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
In XXXX i wrote Capital One a XXXX letter asking for forgiveness for missing a payment due to the Covid-19 Pandemic in exchange for never missing a payment again. 

I explained that i lost funds and lost of income due to the Covid-19 disaster, also that was going to need my payment history up to apply for a better credit card to prepare for a custody battle. 

It has been 6 Months an i kept my promise to never miss a payment again, Capital One is the only missed payment i have on my credit report. all i ask for is another chance to have my payment history back to XXXX percent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
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 found on my credit scores a hard inquiry on my report. It was from XX/XX/2020. This was put on there without my consent. Someone tried to open a credit card with my information. I've contacted XXXX Bank / XXXX to remove this hard inquiry on my report .They were notified over 30 days ago & Ive contacted them several times to remove it. They still haven't made any attempt to correct this. It is not helping my credit at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: EQUIFAX, 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I checked my personal consumer report which I acquired from your organization and I noticed that there are unauthorized inquiries, inaccurate accounts and Personal information that's inaccurate and not placed not by 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 non-monetary relief
Consumer complaint received 2018-04-03
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
on XX/XX/XXXX While checking my bank account I noticed that there was a hold on my account in the amount of {$930.00}. I called XXXX XXXX XXXX  to inquire about this hold and was told it was a bank levy/garnishment on my account in the amount of {$800.00}. The bank did not give me the debt company name but gave me the name of the Court officer who file and a contact number along with a docket #. I called the number numerous times on XX/XX/XXXX with no luck. Later that day I decided to search public records and docket number and was able to file the docket number given to me by looking up my name. Under the docked number I saw that the case was disposed in XX/XX/XXXX. It listed the collection agency ( XXXX XXXX ) who purchased the debt from the original creditor. This is not my current address & the addressed listed on the debt was an addressed from 14 years ago. No other attempts have been made to contact me, no letters, phone calls, no judgement letters, no notification that was sent about court dates etc ... I have no recollection of this debt, who is the original creditor. There is a statute of limitation on collecting a debt of this age. There is also a law exempting a bank levy of federal funds!. I receive Social Security for my daughter who is a minor and they just took that money from my bank account. No one can give me no information regarding this debt. The bank told me to call the court officer, but I have had no luck. Where is the proof of the debt that is over 14 years old and never listed on my credit report and no other attempts have ever been made to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I reached out to American Education Services ( AES ) on XX/XX/2019 to get copies of my payment history on all of my student loans. I am being sued for {$8400.00} by a different carry, XXXX XXXX XXXX XXXX XXXX, for a loan I confirmed I made payments on through American Education Services. I talk to a representative on XX/XX/2019 at AES and they said they had to mail me the transcripts. After 2 weeks, I still had not received the transcripts. I reached out again to AES and a gentleman named XXXX told me the system showed that the transcripts of my payment history were mailed. To this date, I still have not received my payment history from AES. I need this information in order to prove to the current company suing me that I have made payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
PNC Bank is the problem XX/XX/19 {$15000.00} was the amount of the check. 
charged {$40.00} returned check fee and an extra {$150.00} from the XXXX XXXX County Tax Collector I wrote a check to pay my taxes and PNC Dishonored the check. They claim it was an irregular signature. My signature hasn't changed in more than 50 years. They sent me no proof of what was different. I am XXXX years old and I am not leaving the house because of Covid-19. I tried to call PNC to complain about the nearly {$200.00} if cost me because they couldn't take the time to verify I wrote the check. I wanted them to speak with my daughter. They asked way more than normal security questions. I think they had one of my old addresses ( more than 15 years ago ) wrong and they wouldn't believe my answers! After nearly a half an hour they said I wasn't me and they wouldn't speak to my daughter about the account or issue. They told me I had to present in person at the bank. As I said before I am not going out in public. If there is a questionable charge on a charge card the banks do not hesitate to call, text, or email but PNC did nothing but mess up my tax payment. My check should never have been refused and I wasn't given the courtesy of a phone call. I have never had something not accepted because of my signature! It was to pay taxes! Who fraudulently pays taxes! It was absurd and the questions they harassed me with were unreasonable and I told them it was hard to hear them! PNC also doesn't have an email address to send a message to either. 

Thank you for your help! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I used your services and did not get from Capital One what I asked for only excuses. Now I want the following : or I want a removal of this account taken off my credit report. Not their excuses, cause they say they know my address and my dob and my email. Thats not facts with my signature. I want the following : Original Contract with my signature Pay off disclosure Interest Rate disclosure Balance history Payment history XXXX XXXX

Company response to consumer: Closed with explanation