BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-10
Company: City Enterprises, LLC
State: TN
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: Was not notified of investigation status or results

Complaint:
I have tried contacting XXXX XXXX due to inaccuracies on my credit report. I disputed the account on XX/XX/XXXX and did not receive a response back by XX/XX/XXXX. I waited an additional month and sent a letter off on XX/XX/XXXX. It is now XX/XX/XXXX and I still havent heard anything back from XXXX XXXX regarding the dispute letter that was sent to them on XX/XX/XXXX. XXXX XXXX has been in direct violation with the FCRA for over 4 months now. This is unacceptable, as a consumer I deserve to know what is going on with my credit report and at least a response back from the company to let me know what is going on.

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 2019-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had this Capital One credit card for at least 15 years with no particular problems. Last month I received a notice that my account was past due. It said that I had to pay {$820.00} immediately to restore credit. I paid {$850.00} and requested a history of the account. All of my credit cards including Capital One have instructions to pay the minimum amount in the event that I don't pay the full balance. My wife and I have 6 or 7 different cards including another Capital One account. We have written all of them with instructions to pay the minimum on the due date. We travel a lot and wish to prevent the high fees and high rates charged by companies like Capital One. We are currently being charged fees of $ XXXX/mo on card ending in XXXX and 31 % interest. Obviously, anyone would choose to avoid extortionate fees like this, and when I received notification from Capital One I responded promptly with payment. Over our long history with Capital One we have had instances of not receiving statements, sometimes one or maybe two in year, but not 2 or 3 in a row as we experienced last summer. Our other card ending in XXXX is charged a more normal rate of 18 % interest. Capital One has a long history with me and my wife. Why is one card afflicted with usurious rates and the other treated like a normal credit card? I have written to Capital One requesting reasons for this, but as yet have received no explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-05
Company: EQUIFAX, 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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Nelnet, Inc.
State: NV
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:
The account is not being reported correctly on my credit report. The account number, date opened, payment terms, date last reported, date of last activity, date of last payment, and payment history are different across both credit bureaus. I have written the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus. My loans have been transferred to the Department of Education. Isn't it true legislation passed during the pandemic requires Nelnet to remove all late payments from my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XXXX, a market exchange for crypto currencies, recently had some sort of system failure or margin call that resulted in frozen trades for many users and the plummet of the Ethereum ( ETH ) market from a value of over 300 USD to roughly XXXX USD in the span of a few minutes, which likely allowed some users to buy in many ETH at a low price. This cryptocurrency then rose back to price as users regained the ability to make trades to over 300 USD. <P/>I held a value of about XXXX USD worth of ETH at the time I lost the ability to make a trade, and ETH was valued at ~ XXXX USD. Then at {$350.00} I wanted to trade my XXXX ETH at {$350.00} but was unable to and was given the error message ( 'Enter a valid value ' ) despite entering a valid value. This error persisted for next 12 hours as the value of ETH dropped to below 320 USD. <P/>After trying my hand at this and giving up on trading with my laptop, out of frustration I attempted to sell my ETH on my phone. This involved the headache of authentication and setting up XXXX with XXXX  XXXX. After accessing the site through my phone, I was able to finally make a trade! The problem here was that the market orders updated too slowly on my phone and the realtime data was offline. I ended up selling at a value my XXXX ETH at a value of XXXX USD when the price was just recovering from this mysterious drop to almost being free. XXXX USD! At the amount of USD I had initially, that 's XXXX ETH! This price shot back up to over 300 USD within minutes. If I were the scammer who dropped the market at a vulnerable time for XXXX, that would put me at XXXX XXXX dollars for XXXX ETH at XXXX USD! <P/>I believe many people are upset about this issue. Many people were unable to trade/cancel posted orders/interact with the site. Please ask me for more information/clarification if that 'll help to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Ditech Financial 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 status incorrect

Complaint:
The account being reported on is closed from a public sale of foreclosure on XXXX/XXXX/XXXX. Currently you are reporting that there is an outstanding balance of {$62000.00} which is inaccurate as well that a 90 day late payment was made in XXXX which is also inaccurate. I am asking that each of these be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have numerous accounts being reported incorrect. I have items that are well over 8 years they are currently reporting as a newer account that should be off my credit report. I have Inquiries that are false and some are not off my credit report. Last, they are reporting wrong information because they are receiving old Information from other credit bureaus and not actually getting the right information so my credit score is suffering because of this. This is lawless and Unconstitutional. These acts do not comply with the Fair Credit Reporting 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 2022-03-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2017-06-23
Company: PHH Mortgage Services Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Greetings, I am in desperate need for help. I have been attempting to do a short sale since XXXX 2015,  it would be a complete payoff for PHH Mortgage if theyd postpone the foreclosure ; it is ridiculous that theyd forego a full payoff to pursue foreclosure. I am trying my absolutely hardest to get the mortgage company to postpone the foreclosure. The mortgage company, to me, arent doing what the government says the lenders should do to provide foreclosure alternatives to homeowners. I have submitted paper work every time they ask in a timely manner multiple times over. Please help me with getting the mortgage company to postpone the foreclosure. Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Genesis FS Card Services, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
destiny genesis fs card services informed me I have a credit card with this company. I have never applied for this card. I did not find out about this until I applied for a car loan & it showed up on my credit report. I got in touch with this company & was told I need to file a fraud complaint with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX, XXXX  & Equifax are not responding to any of my disputes I have sent and that is against the law. I am aware of my rights and they do still have to provide results whether there is COVID or not. I have yet to receive any mail or any correspondence that they have even looked at my disputes. They are reporting serious errors on my credit file and they need to provide me results!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a bankruptcy that is being reported on my credit reports and that is inaccurate! My husband and I ALMOST went thru with bankruptcy but backed out..this is inaccurate information and needs to be removed from my credit report 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 non-monetary relief
Consumer complaint received 2017-06-23
Company: Experian Information Solutions Inc.
State: GA
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 do NOT have a signed contract nor any contract with XXXX XXXX or XXXX XXXX I have NEVER done business with any of these companies. I am NOT LIABLE for collection from this debt from any of the " companies ''. I am NOT RESPONSIBLE for these debts.

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 2017-06-23
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I feel I was robbed by Navient I owe them over XXXX I did n't even know the terms of the loan or that it was this much until I dropped out of school.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: JPMORGAN CHASE & CO.
State: OH
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:
On XX/XX/XXXX some one went through XXXX and used my debit # to purchase a XXXX XXXX XXXX XXXX. for the amount of {$400.00} on XXXX and it was shipped to XXXX XXXX NJ. I do n't know anyone in NJ and did not make this purchase. I contacted Chase on XX/XX/XXXX and told them i did not buy it. They said they would look into it. They credited my account for the amount but then took it out on XX/XX/XXXX. XXXX acknowledged to me on the phone that it was fraud and the IP address is unknown. I asked for something in writing but they will not send me anything, I also contacted XXXX i have had no help from them as of yet, and they told Chase that my card # was used and the item was delivered and that is what Chase is going by for their decision to pay it. I also went into my bank and talked to them, they told me it was up to XXXX and XXXX to get my money back. I do n't seam to be getting any help from any of them and i keep getting the run around. I am also having problems in getting anything in writing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS COST A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGE THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVE OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRES DOES NOT RELATE TO ANY TRANSACTIONS MADE 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 explanation
Consumer complaint received 2022-09-06
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I've held an American Express XXXX card since XXXX. This was my oldest line of credit. The card was always paid on-time and in full. 

In XX/XX/XXXX, the card was cancelled due to inactivity and my points forfeited without any notice. When I called on XX/XX/XXXX, an agent helped me open a case request to reinstate the account. I was assured that I'll be contacted by American Express within a week. Upon no response, I called again on XX/XX/XXXX. I spoke with two agents ( XXXX and then XXXX ), each taking me through the process of reinstating the account ( including taking all my personal details and SSN ) only to be told that the account and points can not be reinstated. My only option if I want an American Express card is to reapply for a new card, resulting in a credit check and forfeiting my rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions 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:
Experian you stated I need to contact my attorney general to get laws well open your wallet now Experian you have committed fraud I NEVER GAVE YOU OR XXXX XXXX  permission to verify anything READ THE LAWS ENCLOSED I an the original creditor and have full authority over any account READ THE LAW 15U.S.C.1602 { l } Also XXXX XXXX committed fraud by releasing any information with out my written permission 15U.S.c.1692 { b } I Never gave any, AGAIN REMOVE THE ACCOUNTS FROM XXXX XXXX AT ONCE 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 non-monetary relief
Consumer complaint received 2017-06-23
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My account at Fed Loan Servicing was setup with " paid ahead status '' and 9 of my payments were n't counted towards Public Service Loan Forgiveness. It took a Fed Loan Servicing Borrower Experience Advocate to escalate my case to a PHEAA Consumer Advocate to get things resolved. He eventually got the ok from FSA/Department of Education to have me pay {$190.00} to have the 9 payments come into compliance and count towards the 120 needed for PSLF. Connecticut Senator 's office was also  involved. I was surprised to learn that Dept of Education 's Ombudsman was subcontracted to XXXX, XXXX in Kentucky. Three CFPB cases were opened on this matter : XXXX, XXXX, XXXX. Thanks to XXXX XXXX at Fed Loan Servicing, XXXX XXXX at PHEAA, XXXX XXXX at Senator XXXX 's office for their help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: U.S. BANCORP
State: MN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My complaint is in regards to us bank home mortgage. I receive calls daily about my account being past due. Although I have never hit the 30 day late mark in the life of my mortgage. Representitives will call and refuse to identify themselves and hang up when questioned. Then call back later. I have spoken to 2 reps in the last 2 days and explained that I feel harrassed and there is no need to call me on my cell phone during my work hours because it jeprodises my job and my sanity and incurrs charges from my cell phone carrier. They will only say " you can submitt your request in writing and wont go past that. I have requested to speak to a manager to no avail and they do not take complaints on their own employees. Furthermore the reason I am perpetually late on my payments is because they are unwilling to adapt my payment due date and insist there is nothing that they can do. So on a monthly basis my credit is damaged although my payments are made no more that 30 days apart and allways have been. In semation I explained that these calls and their nature made me feel harrassed. I offered a valid time for communication between us bank and myself which is on sunday between XXXX amd XXXX. I offered in good faith to set up automatic withdrawals if they will stop damaging my credit and they refused. The reps are rude, then after sent my account immidiatly to loss mitigation in my view as a further insult to me. In no way have the calls been in compliance with the fdcpa or even moral value. The most recent calls were XX/XX/XXXX and XXXX 2017

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