BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The reason for filing this complain against Transunion credit bureau is because I could not get access to my account to view my credit report. I forgot my username and password for Transunion. I have sent them letter and copies of my SSC, ID and my utility bill via Certified Mail and the receipt # is XXXX on XX/XX/2023, to clarify that I am the person. But I did not get any response from Transunion, so i called them and talked to the customer service and they could not resolve the problem, so they told me that their supervisor will call me in 72hour. but I did not get any call from them. I am in a hurry to get access to my credit file because I want to put fraud alert on my credit file. 
I am a victim of Identity theft ; I have filed two complains with FTC regarding two different credit cards on my name without my knowledge. The FTC report # is 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 2021-06-16
Company: EQUIFAX, 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 have called and wrote in asking for an investigation for the false reporting or late payments. Under the law of federal consumers rights i am instructing you right now 15usc 81 b a 2 to remove it according to my written instructions i did not give you all pro mission to fernish any of said information. Not reporting 100 percent accurate i see errors which are FCRA violation and the law is set in place for my protection against companies like such.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Wire withdraw of {$14000.00} from Coinbase to XXXX Business account was initiated on XXXX XXXX. This withdraw is confirmed in Coinbase 's system and has debited my account. 

The deposit never arrived. The XXXX Business account ( target wire account ) has been cancelled. I have contacted Coinbase informing them that 1 ) the wire never arrived 2 ) the wire target account has been closed. I have requested coinbase to refund the account with the {$14000.00} initial wire amount. Coinbase has been completely unresponsive. Account is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Nelnet has, for the past two months, effectively prevented me from signing up for the SAVE IBR plan. I submitted all of my material to Nelnet via XXXX on XX/XX/XXXX, before student loan payments resumed. I linked FSA to my XXXX W2 form, as the application required. I clearly qualified for the plan. 

Yet Nelnet, despite receiving my application, never processed it. 

For the next two months, I received intermittent emails from Nelnet stating that my application was " in process. '' Meanwhile, loan payments had resumed, and my interest was accruing at $ XXXX. Under the SAVE plan, it would not have accrued at all. 

Finally, on XX/XX/XXXX, I called Nelnet to check on the status of my application. After waiting on hold for about two hours, Nelnet 's customer service representative told me that my application was incomplete, as I had not submitted proof of income from XXXX. 

Not only was this falseI had submitted my W2 as required through FSAbut Nelnet NEVER INFORMED ME that it was missing documentation. I immediately submitted my proof of income directly through the Nelnet site, but now need to wait another 30 days or more for Nelnet to process my application. Meanwhile, my interest continues to accrue. 

Nelnet 's failure to communicate has thus far cost me more than {$1000.00}, and will likely cost me another {$1000.00} before my application is approved. Its hold times are unconscionable. Nelnet is an agent of the federal government, and it should not be allowed to prevent its clientswho often have no choice but to use its servicesfrom enrolling in federal programs as is their entitlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Without my consent and without notification, my Kohl 's charge card was changed from paper billing to electronic statements. According to Kohl 's, electronic statements are not automatically sent to an email address. The consumer is supposed to know to log on to his/her account and look up the due dates, amount due and date due and then make the payment. As I use this card infrequently and for relatively low amounts, I was unaware of this situation. Now to my problem. My wife or I made a charge towards the end of XX/XX/XXXX. During that time, my mother came down with XXXX. I had to travel with her for several weeks to seek medical treatment. Unfortunately, she XXXX XXXX due to XXXX just after XXXX on XX/XX/XXXX. My wife and I had just returned from the hospital two hours from our house. Someone from the Kohl 's credit department called about the bill which, based on us being switched from paper to electronic billing without my consent, was news to us. My wife told the person from Kohl 's that we would pay it but that now was not a good time given that my mother had literally passed away hours before. I paid the bill the following day but Kohl 's submitted a late payment notice to my credit report in the 24 hours between when they called and when I paid the bill. I thought it must have been a mistake as my wife had explained the situation so she called back and tried to get the report removed from our credit report. In XX/XX/XXXX, I received a letter from Kohls Customer Service and Operations Center dated XX/XX/XXXX stating that they stood by their previous report to the credit bureaus. They have ruined my credit ( I was in the 800s before with zero issues and am not in the low 700s. ) I can not believe Kohl 's is that callous given my clean credit history with them since I have had their card. My account number is XXXX. My name is XXXX XXXX and I can be reached at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Upgrade, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I secured an online personal loan from upgrade.com in XX/XX/XXXX. They gave me a rate reduction if I made the payment from an upgrade checking account. My first payment was due on XX/XX/XXXX. That payment was made on time. I have made the following subsequent payments to the loan on the following dates : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX. All payments were made ahead of the due date. In late XXXX I was receiving collection calls from upgrade. I logged into the upgrade app, it showed I was delinquent even though I was ahead in my payments and I called them and spoke to XXXX. She stated it appeared to be a system error, and that she escalated to management and then put in a ticket to find out why there was a billing error. Then on XX/XX/XXXX I received another collection call. I called in and was told that the previous ticket had been submitted but they confirmed I was not late, it was their error, and a manager was handling it. I expressed great concern because I am employed by a financial services company that monitors my credit. If I have poor credit, this can affect my work. They assured me that nothing had been reported to the credit bureaus and that the error had been resolved. On XX/XX/XXXX I received multiple alerts from credit monitoring that I had a 60 day delinquency showing on my credit from Upgrade. I called upgrade again and was transferred to XXXX who said he was a resolution team member and that he was submitting another ticket to correct the incorrect reporting. I explained grave concern over my credit being affected because of my job and my good credit history. He stated he could verbally tell me that upgrade made the error but he could not provide me anything in writing and that i would have to wait 30-60 days until the credit reporting agencies got his dispute correction. I asked multiple times to have something in writing and I was denied. I find it incomprehensible that a financial company can make an egregious error and verbally admit to it, but won't put it in writing to remedy the consequences the error is causing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX - received promotional offer of " XXXX Fun Points '' after first purchase ( which equates to {$200.00} ) AND a {$200.00} statement credit after {$400.00} of purchases made XXXX - Got accepted for credit card XXXX - met both requirements and received the Fun Points XX/XX/23 - recieved statement and the statement credit was not applied XX/XX/23 - called customer service and was told they have no record of that promotion and refused to offer the credit

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 2017-04-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed bankruptcies that are reporting on my credit report. They came back verified but I do n't understand how they are verified when no proof has been given although requested also my XXXX credit file has a freeze on it. I have had a freeze on my account for a few months now so I 'm unsure of this information that is listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 had a credit card with Capital One for many years but have not been using it recently due to their low credit line and high interest rate. After many months of not logging into my account, I was logged into the app and it asked me to update my income, to which I did. I did not request a credit line increase nor did I inquire about any other type of credit. I only provided the requested income information which I know is typical for a credit card company to verify. A couple of days later I received an alert that Capital One did a hard pull credit inquiry on my credit, which I did not authorize. I called Capital One immediately and they denied any involvement in doing this and said they don't see anything on their end. I was told to send a letter ( through US Mail ) to dispute it. I was very aggravated that this company did this and then lied about doing it and denied any involvment, that I decided to close my account with them. Over the next few days, I received alerts from multiple credit reporting and monitoring websites ( XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX ) verifying that Capital One did in fact pull my credit and this lowered my score. I am in the planning stages of a business investment and this now reflects that I am preemptively shopping for credit to which I am not. I called the fraud dept of Capital One yesterday and they said they can not do anything, I need to call the credit bureaus. I called XXXX and they said I need to call the company that pulled it and ask for it to be removed. No one is accepting responsibility or helping me get this resolved. These companies should not be allowed to get away with this type of behavior. I want the inquiry removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01
Company: BANK OF THE WEST
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account with Bank of the West on XX/XX/2019 with the promotional bonus of {$250.00}. The terms of the deal required 4 consecutive months of direct deposit ( of {$250.00} or more each month ) starting the month after the account was opened. Once these requirements were met, the bank would credit my account with the {$250.00} bonus by XX/XX/2019. I have attached the terms of the promotion. 

I gave my employer my Bank of the West account information and they set up direct deposit to my new account, and I received deposits into my account on the following dates : XX/XX/19,XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19,XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19.

I did not receive a credit to my account by XX/XX/19. I called the bank on XX/XX/19 and XX/XX/19 to inquire about the bonus and they informed me that because there  was no deposit in XXXX, I did not qualify for the bonus. I provided my employer with the new direct deposit information on XX/XX/19, but direct deposit did not start on my account until XX/XX/19 because XXXX had to verify the account, so a deposit was not made in XX/XX/XXXX. I asked the bank to honor the promotion even though I did not have a deposit in XX/XX/XXXX because it was out of my control. 

I believe the requirement to have a direct deposit in the account the month after the account opens is not enough time, especially when the account is opened at the end of a month. The terms of the promotion are unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2017, I received a letter from a company named Midland Credit Management formally XXXX XXXX about a past credit card debt that was sold to them by XXXX XXXX Bank. After I couldn't come to an agreement with XXXX XXXX I wrote a letter on Febuary XXXX to Midland Credit Management along with a check stating that this was payment on my account to have it paid in full and upon them cashing the check they agreed to remove any negative remarks off of my credit reports with XXXX, XXXX, and XXXX, and mark this as paid in full and if this showed up on my credit report as a collection they would take the necessary steps to remove it. As of today this has showed up as a collection on my reports and should be removed immediately. I will be enclosing the copied letter that I wrote and the copy of the check that I wrote to them in which they cashed it. I'm writing to you today because I don't think it's right for this company to report this on my credit reports which the agreement was which I stated above and I would like for this company to remove this from my credit reports immediately due to the fact it's hurting my credit. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2019 with a balance of {$12000.00} -This is not my account.

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 2023-04-06
Company: Monterey Financial Services LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
According to the Federal Debt Collection Practices, the information that this company is false, I have never dealt business with this company never heard of this company that is reporting that a account they are reporting on my credit report saying Open Balance in XX/XX/2022, how is it even possible to be reporting something open a collection, Second I need a Validation Of Debt, Also I need something with my signature also, and last and important this company thats trying to collect anything Ive never heard of this company I have never dealt any business with this company so how did this company get any information on me and that is a violation of the Consumer Protection Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information which violates section [ 15 U.S.C. 1681 ] of the Fair Credit Reporting Act. 

Your corporations are continuously reporting inaccurate information pertaining to XXXX XXXX ( account # XXXX ) which is a charged-off account. The above-mentioned account has been disputed on several different occasions and has been verified as accurate but I am still seeing many inaccuracies. There are 3 different dates for the last time the account was allegedly reported ( XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. There are different dates for the date the alleged account was opened ( XX/XX/XXXX, XXXX XX/XX/XXXX ). Additionally, there are different dates for the date the last payments were allegedly made ( XX/XX/XXXX, XXXX XX/XX/XXXX. Also, the amount of the high credit limit has different amounts being reported ( $ XXXX XXXX ). The account is not showing a past-due balance. There are also discrepancies in the date the account was last active ( XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Furthermore, XXXX, XXXX isn't reporting what type of account is. How can you report an account on my credit profile but fail to mention what type of account it is? 

I am requesting that this account be removed immediately from my credit profile. 

Furthermore, if your corporations continue to violate federal law, I will proceed with a civil litigation suit for monetary damages.

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 2019-11-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to XXXX or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 ( XXXX & XXXX ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: FL
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 am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation