BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
refuses to close account because XXXX XXXX XXXX people and refuses to close unless paid off first. 

secondly, refuses ( never resolved ) to remove fraudulent charges and continues to slander my good name w inaccurate info. This stops today. inaccurate reporting will be stopped thru id theft services. I will sue to correct it. 

I have had no relations w XXXX XXXX since XXXX, when I moved to XXXX. They refused to reissue my card on the ACTIVE ACCOUNT and are lying to you and FDIC w six mos dated info, as is typical to avoid lawsuits. They repeatedly do this and sent you inaccurate info. 

spurious charges were doubled, never removed and when invoking fcra rights I am penalized further. If my rights truely exist then help me fight XXXX companies like this and keep them from dodging the law. My debt is disputed for the entire card line, as also marathon ( cant prove on video charges are mine ), and XXXX XXXX XXXX ( another extortion. XXXX lawer refused to help, but wont offer me another line unless paid off. sent me a notice claiming not collecting debt as declared bankrupt. ) These are ways to deny unlawfully good credit after people have illegal acts that violate other areas of thier lives.This is taking advantage of the consumer and extortion.I will not have any CRA files from anyone ( most of which are illegal resallers ) extort my good name w false and demeaning info which is not accurate. prove to me beyond a billing statement that I owe you anything ( aka never disputed ) or the debt is not owed and must be removed. Refusal to remove inaccurate data must be XXXX w a FEDERAL CIRCUIT COURT LAWSUIT. It is not up to the consumer to do this, nor are they able. Nice move, cfpb and FTC ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: Experian Information Solutions Inc.
State: AZ
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:
There are many mistakes appear in my report without my understanding.

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 2021-12-06
Company: LendKey Technologies, Inc.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I contacted them back this summer trying to reduce the monthly payment due to covid. The representative stated the payment could not be dropped. 
I received an email in XXXX notifying me that payment will go up in XXXX,. I contacted the company once again today XXXX and logged into my account the balance had almost doubled and was told interest accumulates everyday. This is totally unfair how can make headway to an account paying a monthly payment and accruing interest everyday. 
This will drag on for over 10 years. She didn't give any solution and just was like yeah, interest is everyday. 
This is worst - getting a student loan. Trying to get them to work with you and even with covid. No assistance but to default. They give no resolution or try and help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX Complaint about lack of credit reporting : Approximately around XX/XX/XXXX, I noticed on my XXXX app, my XXXX XXXX Credit Card information had been deleted from my TransUnion Credit Report. 
Both XXXX and XXXX continue to reflect the XXXX XXXX Credit Card Account which has perfect payment history. Please dont confuse the credit card with my XXXX XXXX Car Loan. 

I have been treated like a ping-pong ball between XXXX XXXX and TransUnion for more than 5 months. They both blame the other for the error. I have been told month after month by XXXX XXXX the account will be restored to my TransUnion file. Only to find, after the first of each month, there has been no change. Absolutely unacceptable! 

I request my XXXX XXXX CC history be restored to my TransUnion report immediately, as I am applying for a mortgage in the VERY near term and want the best credit score possible. 

This needs to be correct in time to reflect on my XX/XX/XXXX report. If a MANUAL CORRECTION is necessary so be it. My 3 credit reports as of XX/XX/XXXX are attached. 

My next step is to file a lawsuit. Ive been more than tolerant of the idiocy. 

Thank you. 

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 explanation
Consumer complaint received 2021-09-05
Company: NCB Management Services Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a collection account that I never signed or agreed too I have no knowledge of where this account came from or why I am being charged for this as I have no accounts in similar to this account and need it removed from all credit profiles ASAP as this is hendering my business growth

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have an account with coinbase, I have not had any issues until ~3 weeks ago when I was required to verify my account in order to sell a little Eth. I received a " Address did not match '' error. I have tried everything every day since ( 10 tries per 24hrs ), I even changed the address at my bank to make sure that it matches the one on coinbase. This is after I log in with 2 forms of security. I have e-mailed them, I have called them, the guy sent me an e-mail and the said that if that did not work to reply to the message and it go straight to him ( big lie ). 
It is my opinion that coinbase is a very shady exchange, they need to be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX/XXXX/XXXX, I received written notification ( see attachment ) from XXXX XXXX XXXX on a closed Wells Fargo checking account.The letter indicated {$560.00} as an amount owed which is incorrect. 

On XXXX/XXXX/XXXX, I received written notification ( see attachment ) from Wells Fargo Remediation Department that the bank owed me {$85.00} and enclosed a check in that amount. That check was cashed at my current banking institution. 

XXXX XXXX XXXX should have received correct information from Wells Fargo concerning this alleged debt prior to notifying me. As a result, the information in which I received from the collection agency is incorrect and therefore violates the Fair Debt Collection Practices Act.

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 2018-06-05
Company: The Outsource Group, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX sent my accounts to collections to XXXX, even though I was regularly paying. XXXX  robocalls me every 2 hours, starting at ~XXXX going through XXXX or XXXX, asking me to call in. I have called and asked them to stop months ago but they have not. They also spoof their number with other local numbers.

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 2018-01-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had an XXXX Store card from XXXX XXXX and I spent couple thousands dollars per month, and always pay on time. I accumulated couple hundreds of cash rewards without using them yet. Suddenly, they closed my account due to some technical glitch which is not my fault. I lost all my unused rewards, and I suspect that that is their way to make more profit by not paying the reward. Look at the bad review at XXXX XXXX XXXX where people complain about the same issue. 

I called them multiple times, and they kept transferring me to different department saying that they will transfer me to their manager and then the phone got dropped.

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 2021-12-07
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This matter is regarding Fidelity Creditor Service claiming that I owe them XXXX for a debt in which they said they were handling for a client. I called the and told them that the amount was incorrect and I wanted paperwork showing the amount breakdown. The Representative named XXXX did not want to send me paperwork. He was being rude and condescending pressuring me to settle without providing me proof of charges. He then claims that I agreed and was acknowledged about the new charges in which I have no email and correspondence from Fidelity. I look the company up on XXXX CA and it shows as a dissolved company which I feel like they are committing fraud and attempting to collect more then what I owe. They did not acknowledge me when I asked for the debt in writing. I emailed them XX/XX/21 asking for paperwork or a contract stating that I owe them that estimation of XXXX. 




On XX/XX/21 I called The original creditor which was XXXX XXXX XXXX and spoke to XXXX XXXX they informed me that I owed XXXX. The amount is totally different from the amount the collection agency told me. They never acknowledged me about the amount I was never sent any paperwork from the company Fidelity

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a unsucure personal loan.

With Wells Fargo. I have been banking with them since 1996. I submitted my XXXX for last 3 years and my last pay slip from Maryland before I was sent overseas to work for 6 months. I also submitted my 6 months of pay stubs in Euros. I was told from my local banker that my application looked good I have a credit score of XXXX  after having XXXX only two years ago. I was asked a few days later to submit my pay stubs again as they could not read them I did and then I got a call saying I was conditional approved. They also sent a email to say the same. Next day loan was declined I called in was told Wells Fargo are not able to convert Euros to US dollars.

They they said I could not use Euros as income. I informed them that I had to submit all my income with the IRS.

They then said I should try another lender I said I would not as I have only banked with them since 1996. They then said to try to include my wife 's XXXX  income I was a little hesitant to do this as she has some bad credit from 6 years ago. We did do the application it go declined was told because of my wife 's bad credit and also that I had changed jobs so many times. I have had the same job for six years and the job before was for 12 years. I have excepted the decline but did feel the treatment from Wells Fargo is fair and as this will put economic hardship on me as I will probably not get a loan else where after my credit shows Wells Fargo pulling my credit twice.

Regards,

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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XX/XX/2016 ambulance ride to XXXX XXXX XXXX hospital in XXXX XXXX. XXXX XXXX XXXX XXXX XXXX keeps putting on my credit 2 XXXX $ charges. The whole problem with this is that I keep telling them to contact the Louisiana Medicaid office for their payment due to being insured then and continue to be still to this day. They should have long been paid that off. I have disputed a few times but it always randomly comes back but with a more current start date. It is really affecting my life and the ability to make progress in this regressing society with these minute Ill-advised fabricated collections accts/charges. XXXX XXXXl is the collection company that keeps hArassing me about the XXXX XXXX charges. Idk what is so difficult about contacting the dept of Health n hospital or whoever is responsible for paying Medicaid covered patients expenses.I thought our tax dollars also went towards Such. Guess were lied to about that too

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 2021-12-07
Company: Experian Information Solutions Inc.
State: LA
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:
XX/XX/2016 ambulance ride to XXXX XXXX XXXX hospital in XXXX XXXX. XXXX XXXX XXXX XXXX XXXX keeps putting on my credit 2 XXXX $ charges. The whole problem with this is that I keep telling them to contact the Louisiana Medicaid office for their payment due to being insured then and continue to be still to this day. They should have long been paid that off. I have disputed a few times but it always randomly comes back but with a more current start date. It is really affecting my life and the ability to make progress in this regressing society with these minute Ill-advised fabricated collections accts/charges. XXXXXXXX XXXX is the collection company that keeps hArassing me about the XXXX XXXX charges. Idk what is so difficult about contacting the dept of Health n hospital or whoever is responsible for paying Medicaid covered patients expenses.I thought our tax dollars also went towards Such. Guess were lied to about that too

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 2020-05-05
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX {$530.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Convergent Resources, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Convergent Outsourcing continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that Convergent reported this entry to my reports on XX/XX/2020, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. Once I became aware of this negative entry on my credit report, I immediately began disputing. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Convergent. To that end, I sent a letter to Convergent Outsourcing ( see attached ). To date, this company has not provided any documentation bearing my signature or proving the validity of the entry they are continuing to report. Convergent is unable to furnish the original terms and conditions agreed to as well as any and all terms and conditions that were enforced after the original terms as per the alleged original creditor, XXXX. Additionally, they did not respond with a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payment posted, charges made, and date of charges posted. In my correspondence to them I requested copies of all documents sent to me regarding this account ; again they did not oblige. Lastly, they did not prove the statute of limitations had not expired on this alleged debt. 

It is obvious that Convergent Outsourcing is not able to validate their allegation with documentation ; therefore, in the absence of them responding with any documentation to substantiate the alleged debt with signatures, this entry must be removed from my credit reports immediately.

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 2018-01-19
Company: JPMORGAN CHASE & CO.
State: PA
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:
On several different occasions, my credit report was pulled with out authorization. Listed below are the different companies : Chase bank inquiry from XXXX XXXX, XXXX, XXXX XXXX inquiry from XXXX XXXX, XXXX, XXXX XXXX inquiry from XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am a consumer and this is XXXX XXXX XXXX. 

This complaint is not being submitted by a third party. 

FTC report number XXXX is proof of identity theft. 

Transunion received the identity theft report on XX/XX/2021. 

In this matter, block of information resulting from identity theft is permissible pursuant to 15 USC 1681 c-2. Transunion is a consumer reporting agency and upon receipt of information that resulted from an alleged identity theft shall block the reporting of any information not later than 4 business days. 

As of XX/XX/2021, Transunion has violated my consumer right pursuant to 15 USC 1681c-2 and failed to block any reporting information that resulted from an alleged identity theft within 4 business days of receipt.

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 2021-09-05
Company: EQUIFAX, INC.
State: OH
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 XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I was recently in the hospital for major XXXX on my leg a year ago. I just now have got back to work. I discovered that my credit file has over 72 inquires for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 72 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, 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, XXXXXXXX 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 2018-01-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX I had a legal issue with WELLS FARGO BANK -- - Long ago it has been adjudicated in XXXX. CASE CLOSED! Yet they keep negative reporting on me. Please cease and desist. Matter is over and done,

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 2021-12-07
Company: EQUIFAX, 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 status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account and inquiry that is still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX -LOUISIANA XXXX Date XX/XX/2020 2020

Company response to consumer: Closed with explanation