BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: AL
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:
Hello I have contacted Equifax, XXXX, and XXXX the credit bureaus about fixing the wrong information and accounts on my credit report. They are reporting inaccurate information including late pays, accounts that I have proven are not mine, a bankruptcy and accounts paid and closed but showing open. As the consumer I have full power to notify them to correct anything on my report. It honestly looks like a employee just decided to throw anything on my credit report and dared me to notice any errors. I literally can not do ANYTHING for my family because of the false information on my report. These companies have no right or authorization to furnish my credit report in the first place. No one has given them the role to rule over all people they are just a company and NOT associated with the government at all. Continue to violated my consumer rights under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer and the next level up if my next step. I even called the court and spoke to the clerk that the Bankruptcy was listed under and the clerk to did not even have the record of me and advised they do not share that type of information with credit reporting agencies at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions 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:
Fraud Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I use Coinbase to invest in Litecoin. When I moved my Litecoin to my USD wallet it wont let me withdraw it. Every time I try to withdraw it brings up the option to select a bank but my bank isnt on the list. When I try to opt out and use the card option it wont let me click my card linked to my account therefore I cant take my money out of Coinbase. I put in {$50.00} on XXXX XXXX, 2017 @ XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: DISCOVER BANK
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I 'm divorced and should n't be on a Discover credit card account that my ex-husband opened before we were married. He made me an authorized user, but took over the debt in our divorce ( this is in our divorce decree ). 

How can I remove this from my report? Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04
Company: JPMORGAN CHASE & CO.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello not sure of the Exact date it was around the first part of XX/XX/XXXX, I received a Call from Chase inquiring about an balance on {$670.00} from an checking account i opened in XXXX. I didn't dispute anything as i knew i owed the charges. I asked the lady if i could counter the amount and pay {$400.00} as a settlement amount. The agent agreed and took my bank and routing number for payment which would of begun immediately. I also received a letter in the mail stating if i pay the {$400.00} by XX/XX/XXXX the account will be consider paid. Payments were to begin immediate and after a few weeks i did not see any charges coming out my account. I called the agent and asked what was going on and we went over the bank and routing number to make sure it was recorded correctly with the agent. She advised me then that they only take certain kinds of checking account numbers from traditional banking accounts as i had given them my information from my prepaid debit card i had with a non bank. The agent advised they couldn't go back and honor the agreement and i was fully responsible for the original charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been disputing an incorrect address with Equifax for the last 7 months. I have called and sent dispute letters for the last months and Equifax has not corrected the inaccurate information on my credit report. What they keep saying is that they have updated my credit report but it stays the same. I sent dispute letters to Equifax on XX/XX/2021, XX/XX/2021, and phone call, XX/XX/2021, XX/XX/2021, XX/XX/2021, and the last one on XX/XX/2021. Equifax has failed to correct the address that does not belong to me. I seek remedy by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For 2 1/2 years , OCWEN has put my mortgage payments in different accounts, and then says I have n't paid. Starts giving me late charges and dings my credit. The latest issue, OCWEN has suspended 2 payments. OCWEN has cashed my payments but did n't apply them to my account. I have spent hours going over this issue with different representatives. Each time, said representative sees my payments and says they will get back to me, to no avail. I am paid in full, OCWEN has cashed all my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Experian Information Solutions Inc.
State: LA
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:
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 , and XXXX XXXX XXXX.I do n't contacting everyone listed below as well as XXXX and their customer services would not help and take care of the negative inquiries reporting on my credit report. I demand to see a copy of the Verifiable Validation Proof ( of the original consumer contract with a wet-ink signature on it, copies of copies are not validation and by law are not considered proof ), that you have filed for the accounts listed above. Once your investigation is completed, and you find my allegation to be true, please remove the unauthorized inquiries.

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 2022-02-04
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : 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 2021-03-08
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
PayPal let hackers steal my money. I had an issue transferring money to my bank account. I had just gotten laid off with no unemployment comp. In the pandemic with XXXX kids. Someone sent me XXXX dollars via PayPal couldn't get it to transfer, so I then tried to contact pay pal. Could only find email. Very upset needing someone to talk to at PayPal. I searched PayPal phone support.. and up came a phone number. I proceeded to call. The guy asked me to download an app called any desk. He then took the money from my PayPal account and bought a gift card to XXXX play for XXXX dollar. Him knowing there policy that nothing would be done about it AT ALL. At the time I sent PayPal the phone number the guys XXXX XXXX  info screenshog of date and time called. Proof the system denied my transfer 3 times. Nothing done

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian is reporting inaccurate personal information on my credit report that needs to be deleted.
Incorrect Names : 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 Incorrect SSN : XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX Address identification number : XXXX Type of Residence : XXXX XXXX XXXX  Geographical code : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Address identification number : XXXX Type of Residence : Single family Geographical code : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, MD XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 2019-07-30
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Received a call capital debt collector/robert about unpaid dental bill {$360.00}. The call was made yesterday XX/XX/2019 around XXXX XXXX. I was busy when i received the call and i had him on speaker phone. My nieces and a guest heard the whole conversation. Representative/ XXXX was high energetic in degrading me. He said to look myself in the mirror, I'm a liar, he said he was not looking for girlfriend and he was making a business call. All these comments was made in his first call. During this call i said to my niece i need another cell phone to record the conversation and when i came back on the phone he hanged up. I called back and he spoke with XXXX again. His tone of voice changed and stared in the beginning that this was recorded. Automatically blurred out i was cussing him. And hanged. I called again spoke with supervisor/XXXX XXXX. He was so relaxed to say he apologized for his employee znd and he will speak with XXXX. I asked XXXX if he trained his employee to use those degrading statements to collect debts and said no. Then i said to please put a great attention to this matter and provide me a letter with their corrective action plan and 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 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
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 , and XXXX XXXX XXXX.I do n't contacting everyone listed below as well as XXXX and their customer services would not help and take care of the negative inquiries reporting on my credit report. I demand to see a copy of the Verifiable Validation Proof ( of the original consumer contract with a wet-ink signature on it, copies of copies are not validation and by law are not considered proof ), that you have filed for the accounts listed above. Once your investigation is completed, and you find my allegation to be true, please remove the unauthorized inquiries.

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 2018-01-04
Company: EQUIFAX, INC.
State: LA
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 been having lots of issues with EQUIFAX. First off they moved my file to the office of consumer affairs and blocked my online access to my credit report!!! I am a paying member of there credit watch SVC. They contiune to charge me even though i can not use it. I have called and sent in documents asking this to be cancelled and me not contiune to be billed. They are still chargeing me 3 months later!!! Call center overseas dose not seem to address this issue at all. Equifax needs to stop charging me and refund me for the past 3 months that they charged me for something i could not use!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been trying to fix this inaccurate information for XXXX YEAR and still report wrong. I last sent a dispute on XXXX and nothing was verified or updated. I didnt receive any information from them about my dispute status or how this information is actually accurate. My XXXX XXXX name is the same as mine and this credit file has merged. Please help me get these consumer reporting agencies to fix this FALSE information on my credit. I can't even get them to respond within the 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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:
NELNET LOAN SERVICES is reporting on my personal credit file. This just proves your lack of proper record keeping. Now, these items are reported to be 120 days past due, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that these accounts were paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that you have not abrogated my rights by reporting false information, otherwise, remove them immediately. 

( NELNET LOAN SERVICES XXXX, NELNET LOAN SERVICES XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
In XXXX 2017 I applied online for the XXXX XXXX XXXX XXXX  and was approved along with a 7 month 0%APR. I was careful not to mark any boxes for things I did not want to participate in. I received the card end of XX/XX/XXXX which I filed and not charged. I received my renewal membership from XXXX that is due for XX/XX/XXXX. I decided that I will renew online but was not able to. It turns out that the XXXX XXXX XXXX credit card was charged for the renewal (which if I did not login to try to pay renewal I would have never knew I owed that XXXX since I never charged on it).I contact XXXX Live Chat as I was having to wait 55 mins for phone support, the only response I received is that I signed up for auto renewal. I went thru everything and did not see a box to opt in or out for auto renewal. After an hour I received an phone call from XXXX  customer service which the person named XXXX said that XXXX  charges that XXXX automatically  and the only way to opt out of that is to call us and ask us to remove the credit card. I asked for him to remove this and can I receive confirmation of this which he told me he can not provide anything but will make a note on the account...To me this feels deceptive that when I signed up I was not given the option to opt in or out for auto renewal. Instead Citi Bank and XXXX  took it upon themselves to force my XXXX XXXX to be charged without me having any knowledge including not even sending me an alert or email that this is scheduled to be deducted. I never experienced this with any other credit card and hope a review on these practices by XXXX and Citi is conducted.

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 2018-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Capital One bank of a fraudulent application submitted with his information without his consent. The application resulted in an inquiry with XXXX, XXXX and XXXX XXXX/XXXX/XXXX which was not authorized. An official dispute of this was sent to Capital One XXXX/XXXX/XXXX however ; Capital One mailed my client a letter informing him this office 's investigator was added as a POA to the account of dispute. First, this office and our client never disputed an actual account, we were disputing a fraudulent application that left an inquiry and second Capital One has asked the POA to provide proof of their capacity by providing person financial data and information not required under any consumer law. 
All of these actions are gross violations of federal consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: EQUIFAX, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I feel as if these accounts are false and advising inaccurate information that are costing me thousands in interest a year. I have foiled complaints with the Federal Trade Commission & XXXX XXXX XXXX  to my knowledge I do not recall any of these accounts. I demand this issue be removed immediately, according to section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days- it had been 50 days and the items should be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is my 3rd attempt contacting the Federal Trade Commission and the CFPB to help remove the unauthorized credit inquiry on my credit. I value my credit to the utmost ... Please DELETE this immediately. 

XXXX XXXX on XXXX XX/XX/2017 XXXX XXXX on Transunion XX/XX/1017 These are unauthorized and I want them deleted immediately. 

Thank you,

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 2020-12-17
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Attempt to refinance loan to lower Interest only. Tried to work with Chase from XXXX XXXX Finally in XXXX of XXXX we were able to refinance with XXXX XXXX  and pay off Chase at the high interest rate of 7.8 %. Both my husband and I have great credit so have to think our last attempt to reach out to Chase several times ( I have reference letters to attach ) was due to our age??? 

Sent Chase letter of complaint XXXX since XXXX XXXX  offered us a rate of 3.25 % XXXX closing costs of {$1700.00} the only way we could get out of this high interest rate. 

Chase responded XXXX and stated they would have answer/updated by XXXX. 
As of XXXX no update.

Company response to consumer: Closed with explanation