BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-02
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX had destroyed my roof XX/XX/2017. And I was not getting any service from this company for seeing baseball games, seeing shows as scheduled since XXXX XXXX. I had a service paid for XXXX for {$40.00} gave all this. So I cancelled my service XX/XX/2017 with my account current on this date wanted to know the terms for cancellation. XXXX XXXX stated return all equipment and pay {$220.00} as a final payment. This is a penalty of XXXX a month for eleven months. All This was done per XXXX XXXX instructions to the letter. And I had to pay {$60.00} to nail down three shingles back on my roof knocked down by the XXXX XXXX Antenna flying off the roof hitting my roof dislodging three shingles. So XXXX XXXX wants to collect extra money to get the full contract price not providing any service. This is a predatory contract givning no service. I do not want to be harassed by XXXX XXXX through XXXX forever. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
New Jersey Higher Education Student Assistance Authority XXXX XXXX XXXX XXXX XXXX is stating I am liable for a student loan that isn't mine XXXX, and they in violation Section 2A:14-1 Which they can not legally collect on a debt past 6 years. The loan was issued in XXXX and its now XXXX. They keep harassing me for payment. I want this loan discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: EQUIFAX, INC.
State: IN
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:
Equifax continues to IGNORE a Police Report, ID theft report and XXXXworn Affidavit. Equifax is acting on its own to wreck the Credit and standing in the community of XXXX XXXX XXXX. Equifax has been given Multiple opportunities to cure the fault, but refuses to even Address the issue. Equifax representative told me via phone call, that the CFPB is a joke and they can do NOTHING to Equifax. SO far ... .evidence shows they are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 2021-07-23
Company: Square Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Last year 2020 I made I account to cash app had my benefits sent there from unemployment on XX/XX/2020 cash app shut down my account they still have my XXXX and I cant get it off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
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: 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 2020-01-04
Company: Platinum Holdings Group, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I, my employer, and a family member has been contacted by who Ive now identified to be Platinum Holdings, LLC multiple times over this past week. They called my place of employment ( even going as far as to ask front desk personnel what time I finished with my last client ) and my personal cell phone at least three times on XX/XX/2020. One of these phone calls were from an unknown number and requested me to call them back at XXXX, other calls originated from phone number XXXX I also received a call on XX/XX/XXXX. Platinum Holdings does not verbalize their true identity, but instead falsely misrepresents themselves as XXXX and XXXX. I dont even know what debt that may be collecting. Even their voicemail does not identify a company name. They have released to people other than myself the following : my date of birth, the last 4 of my social, and my address. In each call, Im threatened with papers being served at my employer. I have never received anything from Platinum Holdings LLC referring to a debt or validation there of. And they have never received permission from myself to contact family members or my employer, which they have repeatedly called. This company misrepresents who they are. Their behavior is extremely harassing in nature, and they are releasing my private information illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I still have not heard anything back from your office, since contacting you XX/XX/2018 ' Hello, I filed a complaint with the FDIC, which in turn forwarded my issue to you ; XX/XX/2018 Ref. No. : XXXX. I transferred funds ( {$1700.00} ) for a vacation rental XX/XX/2018 from my Chase acct. to another Chase bank acct. On XX/XX/2018, I was informed it was a scam & contacted Chase fraud dept. by phone XXXX-18 ' as well as going to my bank, speaking with an officer & then back to speak with the manager. My funds would not clear to the following day XXXX-18 '. I informed them I was fraudulently duped & asked them to stop payment, none of the people at Chase heeded my warnings & allowed the money to be picked up by the recipient the following day, when the hold expired. The person who took my money does not reply to me now. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: Global Credit & Collection Corporation
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I requested of Global Credit & Collection Inc, all documentation concerning the debt, including ; A complete itemization of all principal, interest, and administrative charges. 
All documentation that defines and authorizes said charges. 
A complete and unedited copy of the promissory note and any other agreements or contracts. 

They failed to provide the information requested. What they sent reflected an amount due that contradicted previous amounts. 

On XX/XX/18, I requested the termination of calls to a particular phone number, and provided them a secondary number to call. GCC ignored my request when calling the first number on XX/XX/18, XX/XX/18, and XX/XX/18. 

In a phone message on XX/XX/18, and in two communications sent via the USPS, GCC failed to adhere to the FDCPA Mini-Miranda Disclosure, 15 USC 1692e 811 ( 11 ). 

As it can be speculated that Global Credit & Collection Corp. conducts collection activities similarly corporate wide, and that XXXX ( the original creditor ) has full knowledge of these business practices, I believe XXXX is culpable and should be held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I looked into doing a balance transfer because of the interest. I researched on a few websites that compared different credit cards, looking into 0 % balance transfer offers. I went with Capital One & that was a horrible decision!! It says on their own website & 3rd party websites that they have 0 % APR on purchases & balance transfers for 15 mths. I signed up, got approved, & transferred my balance from my old CC to the Quicksilver card. I realized later on my monthly statements I'm being charged 21.74 % interest! That is much higher than my previous interest rate and I have a great credit score. Capital One tells me I agreed to these terms and there is nothing I can do & they refuse to refund me for the interest charges. Why would anyone switch over to a higher interest rate?! Then they even tried to tell me I do have an offer of {$150.00} cash back if I spend {$300.00} ... why would I make more purchases if you already took my money?! THIS IS A BAIT & SWITCH SALES TACTIC & FALSE ADVERTISEMENT!! They do not even care that I am going to close this account & let people know that they are a horrible company ( maybe because they already scammed me out of a few hundred dollars for nothing ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: Credit Plus Inc
State: NV
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 am requesting the following inquiries be removed off of my credit reports all three XXXX, XXXX XXXX and XXXX due to fraudulent activity and being a victim of fraud since XXXX. The following dates show XXXX XXXX placed an inquiry on all three of the credit reporting agencies without my consist. Please remove the following dates due to being a victim of fraud. 
XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX fraudulently pulled my credit on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These inquires need to be removed from all three of my credit profiles XXXX, XXXX and XXXX XXXX I am a victim of identity theft and did not give permission for the review of credit. 

Credit Plus fraudulently pulled my credit on the following XX/XX/XXXX These inquires need to be removed from all three of my credit profiles XXXX, XXXX and XXXX XXXX I am a victim of identity theft and did not give permission for the review of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I am submitting this claim as I have disputed this account with Transunion. 

dispute # XXXX on XX/XX/2022 I was disputed the validity of the debt. I dispute first and for most the validity of the account. This was for XXXX treatment and I had {$2000.00} XXXX benefit with with my dental insurance. I was responsible for the remaining balance. In the end after insurance payments and all of the monies I owed. I think I may have owed 1 or 2 payments of {$120.00}. The second part of my issue is the legality of the interest rate according to my " Patient ledger ''. According to the ledger they show me as being behind {$530.00} and then shows a collection fee of {$530.00} is according to Florida statute XXXX a collector medical or otherwise can not charge more than 18 percent. So how they can legally double the charge is beyond as a collection fee is beyond me. I have disputed this with Transunion and it comes back as verified accurate, however when I reach out to the medical collectors office they tell me they can not discuss with me because they have requested and yet to receive documents from the XXXX office. I called the XXXX office and spoke with lady at who picked up the phone ( 2 times ) for about 20 minutes each time and she can not manage to understand how the balance is what it is either. Either way the account is causing extreme adverse on my credit profile and I would like this account deleted immediately. There is also a medical provider complaint being lodged against XXXX 's office.

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 2022-01-25
Company: Square Inc
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 there were four ( 4 ) transactions from the account I have with Cash App in the amounts of {$3000.00}, {$2000.00}, {$1000.00}, and another {$3000.00}. The transactions were fraudulent and I disputed the transactions on XX/XX/2022. I also disputed the transactions with my bank and my bank stated that Cash App is responsible for the fraudulent claims. Because of this matter I have went to the authorities to have this issue rectified. Law enforcement has instructed me to try to dispute the transactions again. I did dispute the transactions again on XX/XX/2022. Cash App again, denied my claims. I have proof/evidence of my account being used fraudulently, though this matter can not be resolved with my bank until Cash App returns the funds to my Cash App account so that the funds can be given back to my financial institution I'm which the money is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Bread Financial Holdings, Inc.
State: UT
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:
Victoria Secret is reporting lates for the months of XXXX and XXXX. I was not late on this account. I made my payments online and thought everything was fine as i did not receive a call or notice about being late. I recently had my credit pulled and noticed the lates on my credit file. I had called immediately and paid the balance. I made these payments on time on the online system and never received a call or notice about the lates. I had no idea that i was being marked late. I need these lates to be removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04
Company: Experian Information Solutions Inc.
State: NJ
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 victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2018-12-01
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2018, I opened checking and savings accounts with Citibank under a promotion that offered a {$400.00} bonus with the following terms : 1 ) Open a new checking and savings account in the Citibank Account Package betweenXX/XX/18-XX/XX/18 ; 2 ) Within 30 days of opening your account, deposit {$15000.00} New-to-Citibank funds into the checking and/or savings account ; and 3 )  Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days. I will provide a copy of the offer. I was an " Eligible Customer '' as defined by the offer, and I met the terms of the offer, but Citibank has not paid the {$400.00} bonus. 

According to my account statements, which I will provide, I deposited the required funds on XX/XX/2018, and I maintained the required minimum balance until XX/XX/2018. Citibank was supposed to pay the {$400.00} bonus within 90 days of when I completed the required activities. I completed the required activities by XX/XX/2018. Therefore Citibank should have paid the bonus by XX/XX/2018, but they did not. 

I contacted Citibank by " chat '' on XX/XX/2018, and again on XX/XX/2018, to inquire when the bonus would be paid. I will provide transcripts of these chat sessions. Both times, Citibank representatives assured me that I had met the terms of the offer. On XX/XX/XXXX, the representative said that I needed to " wait for the reward to appear. '' On XX/XX/XXXX, the representative said that Citibank would review my account and respond within 2-7 business days. I have not received a response, and Citibank has not paid the {$400.00} bonus.

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 2018-12-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 and and XX/XX/2018 i sent a debt validation letter regarding this account to Portfolio Recovery Associates LLC. See the attached letters. Asking them to show written agreement of the alleged debt in question as it is shown on all 3 major credit bureaus reports. it is unlawful to report an unverified/unvalidated debt. I got a response from Portfolio Recovery Associates on XX/XX/2018 see the attached letter! and it was vague and did not address the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2021 I submitted a dispute to your agency through the CFPB. 

Complaint Numbers : XXXX XXXX XXXX There was no change as a result of this dispute so now I had to get the FTC involved with this issue. The FTC is attached. 

Your agency continues to report fraudulent information on my credit report that I need removed 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 2022-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly. 
CAPITAL ONE BANK USA ***** Opened XXXX XXXX, XXXX Balance {$670.00} CAPITAL ONE BANK XXXX ***** Opened XXXX. XXXX, XXXX Balance {$460.00} CAPITAL ONE BANK USA XXXX Opened XXXX. XXXX, XXXX Balance {$460.00} CAPITAL ONE BANK USA XXXX Opened XXXX XXXX, XXXX Balance {$670.00} CAPITAL ONE ***** Opened XXXX XXXX, XXXX Balance {$670.00} CAPITAL ONE ***** Opened XXXX. XXXX, XXXX Balance {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Shortly after opening a Coinbase account ( approx. XX/XX/2021 ), depositing money in the account and purchasing Bitcoin through the account, I was locked out of my Cointbase account. When the account was set up, I needed to furnish a copy of my drivers license to verify my identity. Now, to access my account, I am required to supply an image using a webcam, to which I do NOT have access. A cell phone camera is not an option. 

I have repeatedly explained to Coinbase that I do not have access to a webcam. Nonetheless, Coinbase continues to require webcam access to enable me to access my account ( and MY money ). 

This has been going on for several months. Finally, I advised Coinbase to close the account -- sell the Bitcoin and send the money back to my account from which my Coinbae account was funded ( information that they presumably still have ). They refuse to do so. 

While this has been going on, the value of my account has diminished due to the reduction in value of Bitcoin. Coinbase has my money and will not give me access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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:
I sent a letter dated XX/XX/2022 to XXXX, Experain and XXXX detailing the furnishing of inaccurate information listed on my credit report ; including an incorrect address, accounts more than 7 years old, and unverified accounts.

My letter further explains how I reached out to each creditor listed on my report and requested within 30 days of receiving my letter they verify, through documentation that I am responsible for the accounts they are falsely reporting. As of XX/XX/2022 I have not received any verification from any creditor. 

The letter request that these items be investigated and removed, as of today 's date XX/XX/2022 no action has been taken in regards to updating my credit report by any of these reporting agencies.

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 2020-01-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing these accounts for a long time now and all I wanted is to have these accounts removed from my credit report. 
XXXX FORMERLY XXXX ACCT # XXXX XXXX XXXX XXXX/ XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT # XXXX I have tried to fix this problem multiple times and told them to validate these accounts and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not, and, they will say my file has been updated with no sign documents showing me proof that the debt belongs to me. I am so sick and tired of credit bureaus releasing inaccurate information about me without proof that the accounts belong to me.

Company response to consumer: Closed with explanation