BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: Coinbase, Inc.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
commencing on or around XX/XX/XXXX, i fell victim to a multi-layered scam operation orchestrated by Coin list ( the fraudsters or company ), with the design, development, manufacturing, promoting, marketing, distrubuting, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX which were transferred from my wallet utilizing your services

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On Saturday, XX/XX/XXXX, my husband and I purchased two XXXX XXXX  sofas from the XXXX XXXX XXXX in XXXX, XXXX We were encouraged to look into the Pottery Barn credit card offered by Capital One. After applying for the card, my husband was approved. He later added my name to the card. During the application process the store rep told us that there was no interest for 12 months, with no other details. We specifically asked if there were any contingencies for that perk and was told that there was no red tape just no interest for 12 months as long as we paid the balance before the one year anniversary of our purchase. Our original plan was to not pay on the credit card bill until we received some expected funds in XXXX XXXX XXXX We even discussed this in front of the store rep and they did not speak up to say that we would be stuck with late fees or interest fees if we went forward with that plan. We were very surprised when we received a statement in XXXX  for a minimum payment of {$250.00}. This effected us financially and put us in a bind. We continued to make the minimum payments until our financial crisis came to a head in XXXX, and I called Capital One on XX/XX/XXXX. I spoke to a representative and was told that in order to have no interest within the first 12 months, we must pay a certain amount every month. Some months, like XXXX, is over {$300.00}. Not to mention the {$29.00} late fees we are stuck with if we are unable to pay our bill on time. I was told there was nothing we could do. The representative agreed that the retailer failed to properly inform us of the fine print and apologized. But the apology does not resolve this issue for me and my husband.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This account is never been mine! I don't know about this account. I never signed any contract with this account. I should not be the one who are liable for this account because this is not mine!

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 2022-04-23
Company: Experian Information Solutions Inc.
State: MI
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:
Experian continues with shenanigans, refusing to follow 15 USC 1681 ( b ) where I have not provided a written instructions on how to furnish information on MY consumer report. As the law states. They continue to report accounts that HAVE INCORRECT BALANCES. LATE PAYMENTS WHICH IS THE EXPERIENCE of the CONSUMER. NOT THE ACCOUNT. WHICH IS a part of 1681- without the written instructions of how to furnish this information they have chosen to negatively report this information. Which is a direct violation of 15 USC 1681 ( b ). They think I work for them and not the other way around. This has deeply influenced my ability to SURVIVE in this world! DURING the PANDEMIC and shortly after, things were VERY TOUGH. Looking at my history from the 20 yrs before it where I HAVE NEVER MISSED ONE PAYMENT OR EVEN BEEN LATE! You might conclude this may have had an impact on my ability to live. Like millions of others in the UNITED STATES. They continue to do what they feel is appropriate not by what the law allows. This is why the law states you need written instructions how to furnish information. Experian needs to follow laws that CONGRESS HAS PUT INTO EFFECT LONG BEFORE. They are controlling a market that is keeping people in poverty! Directly impacting their ability to further SURVIVE. Do they not see how financial stability provides for every other stabilization in someones life? XXXX, physical health FYI- your directly impacting the health and wellness of this country. People that lose the ability to get another place to live and car to drive end up on the street. Not where our population needs to evolve too. STOP pushing people into the street. You are not helping this country or anyone! FOLLOW THE LAWS-stop being the problem and commit to a solution!

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 2022-11-27
Company: Paypal Holdings, Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I was alarmed to discover that unauthorized payments from my PayPal account had been made since XX/XX/2022 totaling debits of {$1100.00} from my bank account. 

The unauthorized payments had the vendor title of XXXX XXXX and the individual amounts were deceptively small to avoid detection as fraudulent. I had a total of 46 of these transactions over the eight months, averaging to about {$25.00}, which on the surface may look reasonable for the nature of the transaction ; however, NONE of these transactions were in fact authorized by me, nor were used by any member of my family. 

Upon discovering this, I contacted PayPal and opened two cases ( as their online customer complaint tool is very confusing and limited ) : Case ID XXXX and Case ID XXXX. PayPal summarily closed both cases with a statement that I should take this up with the vendor, even after I made it clear that I NEVER authorized these payments. 

I need the CFPBs assistance to compel Paypal to honor their obligation under Regulation E to reimburse me for these obviously fraudulent charges. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-06-16
Company: Frontline Asset Strategies, LLC
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:
I requested a debt verification from Frontline Asset Strategies ( FAST ), LLC, within the verification documents they sent me, they included someone else 's personal ( name and address ) and account information ; I do not trust this company with holding my personal information and I feel violated due to this data breach. 

Frontline Asset Strategies ( FAST ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have an account with B J 's Capitol One the last XXXX digits are XXXX. I spent XXXX hours trying to get a replacment credit card. I was unable to interface with the technology at Capitol One. THis means I can not identify my self to their satisfaction and I will not be receiving a new card with the old number. I am charged {$55.00} each year for my BJ ; s ' memberhsip. Capitol One uses the permission I granted to BJ 's to charge the membership to XXXX XXXX. TOday speaking with XXXX for XXXX minutes I was unable to verify that the {$55.00} was refunded via my XXXX XXXX account. 
THe case number is XXXX. I do not want a Capitol One account of any kind. XXXX was eithe unable or unwiling to verify that the refund had been issued. This type of scam happens more and more with consumers. Yes we live in a digital world but companies must deal with consumers and resolve problems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: NY
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXhis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX XXXXow.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/2020 I called and spoke with a lady at XXXX Capital One inquiring about a payment plan to get caught and removing of negative reporting for my credit report. The lady I spoke to said they didnt do payment plans they only did something call snowball effect. I said okay sign me up. She then said she would notate my account the different payments that were generated from the computer i would have to pay each much. I have paid the computer generated amounts every month but for some reason XXXX  capital one is still reporting negatively on my credit reports and that is a problem for me since I am doing everything they or rather she suggested I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed a credit freeze with Experian some time ago. At the time, Experian did not require an online account to place the freeze and simply gave me a PIN number to unlock the freeze. Yesterday I went to unlock the freeze for a mortgage application and was told that I would have to create an account to do so. I tried to create an account, but it did not work. I called Experian and was able to lift the freeze through their automated phone system. However, today when my mortgage broker tried to run a credit report, it said Experian was still frozen. I have tried to call Experian numerous times to speak with a human or solve my problem. However, I can not find any way to speak with anyone about this and have no idea how to solve this problem. My wife and I are close to missing out in being able to make an offer on our dream home because of this. We're very upset about it.

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 2022-06-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
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:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX XXXX XXXX, Account Number XXXX ; Carrington Mortgage Company, Account Number XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Problem with personal statement of dispute

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-12
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: Account status incorrect

Complaint:
I 've had nothing but problems with this company since I established a car load with them 2 years ago. The most recent, I have been trying to log into their payment portal for three days and kept getting error messages. I also tried to make a payment using the electronic phone system and kept getting the message " you are not set up for electronic payments ''. I finally reach someone today, and and 20 minutes on the phone they corrected the problem. I also made a payment, but this put me 31 days past due. I asked them please not report the late payment to the credit and they told me " there are other ways to make a payment ''.

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 2022-08-19
Company: N.A.R., Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took my son to the emergency room with XXXX XXXX XX/XX/XXXX. My son is double insured with XXXX and Medicaid. In XXXX of XXXX I did a credit check and seen that this was on my credit so I called NAR thinking this was my fianc bill found out it was for my son. They told me there was nothing I could do since Medicaid did not pay the bill now I have to. I made 2 payment under that statement and was going to pay off when I taxes. However this was sent to XXXX XXXX attorney for a lawsuit. After doing some research and calling Medicaid and the original debt owner I found that the bill was paid by Medicaid within 3 months after this incident. I sent the call recording of XXXX XXXX saying I didnt owe the bill after months of communicating with them finally got a itemized bill showing I did not owe the bill. I also got a estimate of benefits from Medicaid showing that the bill was paid as well. I then called XXXX to verify that they got the information and was told that the original bill owner is still saying I owe the bill. Im not sure what else to do at this point. I do believe this is 1 insurance fraud. 2 unfair debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation