BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: MN
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:
C

redit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : On XX/XX/2018 I sent a police report and letter to Experian stating my identity had been compromised. I notated the accounts that needed to be addressed. XXXX XXXX XXXX XXXX - acct. XXXX - XXXX XXXX- XXXX. Experian responded with " contact the creditor '' in which i had already done. Experian violated sections 605, 609, and 611 of the  FCRA I asked for verification but I never received no information to validate the reason for keeping fraudulent information on my credit report unverified or the method in which they verified information in which they fail to do so. I am requesting assistance in the removal of inaccurate information on my credit report. Experian has failed to do due diligence in according to sec 605b and sec 609 of 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 2023-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Receive my payroll deposit on XX/XX/16 electronic deposit and there is an alert on my account that said can not access funds please call this number. I have called numerous times and it never goes to a representative but to a voicemail. I have left multiple voicemails and have sent numerous emails and still no response back. I am a single mother and need access to my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Approximately, around the end of XX/XX/2021 I fell victim to an online investment scam. I was communicating with someone on XXXX and the person seemed trustworthy as I got to know them better and this person was explaining to me how I can invest my money and make more through XXXX  XXXX  through an app known as XXXX. However, eventually I then realized I was scammed as I could not withdraw the money that I have invested. I then notified my bank of the incident but they have refused to help me and have even ignored my letters to them to financially compensate me for the scam that I have became a victim of. Please refer to the attached letter for more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: AMERICAN EXPRESS COMPANY
State: AZ
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:
I made a reservation for a property rental in Washington DC on XX/XX/2020 to attend my daughter 's XXXX XXXX  ceremony from XXXX in XXXX. I used XXXX. The company that manages the property I was to stay at is XXXX XXXX. Per XXXX  policy the reservation could be cancelled through XX/XX/2020 with no fees incurred. I attempted to cancel via XXXX but their app/site was non-responsive and provided error messages. This was right when the president 's pandemic shut down went into effect. I called the property and advised I was cancelling. They delayed returning my call and when they did the individual said he was going to email me a form to sign authorizing a charge of a 'reduced rate ' of {$1200.00}. I told him I had cancelled via XXXX per terms. XXXX will not answer their phone and I have tried connecting them several times. This charge is fraudulent as I did cancel by the required date to avoid any fees. XXXX XXXX, the merchant sent me via email a credit card authorization form which I did NOT sign nor return. This is fraud. They send AMEX copies of online email forms where THEY, XXXX XXXX, keyed their own terms into a XXXX reply. Why would XXXX XXXX generate an email with an 'chard card authorization form ' - which I DID NOT SIGN nor return to them? They KNOW they do not have my authorization for the charge. It is fraud. I expect American Express to reverse this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666 b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for ANY purpose!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
AM XXXX XXXX XXXX XXXX SINGLE WOMAN AND I AM SUPPORTING XXXX SMALL GRANDCHILDREN ON WELFARE. I WAS TAKEN ADVANTAGE OF AND TOTALLY SCAMMED. PLEASE HEL> ME GET MY MONEY BACK PLEASE. This all started on XXXX XX/XX/XXXX, My good family Friend named XXXX XXXX posted that she made XXXX profit with only XXXX down on bitcoin/XXXX XXXX When I started to ask XXXX if this was for Real, XXXX stated yes this was 100 percent legit and she has made money with the XXXX XXXX since XXXX. 
The Scammer in Question is listed as XXXX, XXXX. I went back and forth with XXXX XXXX who assured me this was legit and that this was her i was speaking to. Since i was XXXXXXXX XXXX in XX/XX/XXXX from a 30 year career in the XXXX industry and since my rent is so much money in XXXX XXXX California, I was really needing the money and of course since my good friend told me to do this i invested all the money i had in my 401k account and started withdrawing money, getting cash from ATM, XXXX from one account to the other, sending money to XXXXXXXX  and then from XXXX to a scammer called XXXX XXXX XXXX, i also sent XXXX cash thru a XXXX XXXX XXXX XXXX all this time thinking i was good and going to ma money because my good friend was vouching for this XXXXXXXX XXXX The final straw came when the scammer showed me my money in XXXX XXXX and showed me that i had made XXXX profit. Thi really excited me however they sent me an email stating that i was gold Status and would need another XXXX to get the XXXX out of the XXXX XXXX  account. That's when i said this is not right, and I tried contacting my Friend XXXX XXXX, no answer on the phone, or XXXX or XXXX XXXX, I finally got a hold of XXXX XXXX  daughter XXXX who had XXXX call me right away and XXXX said her XXXX  account had been hacked for the past two weeks and that i was not speaking to her and that she didn't know any XXXX or anything about Fore ealized then I had been scammed and i started crying so hard because this was all the money I had. I immediately told XXXX that i was on to her scam and she totally blocked me, I see that XXXX  is still on XXXX  and has not been taken off. I called my local police department and they said i had to file a complaint with the FBI which i already did and I am doing again. I realize i am not a high profile case but losing this money is a really big deal to me. 
Please this has taken a major tol on my mental and physical health please help get my money back Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: EOS 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 status incorrect

Complaint:
I contacted EOS CCA via telephone on XX/XX/XXXX and by mailing a dispute letter to this company requesting a reasonable investigation regarding a negative account from XXXX that they are reporting in my credit file which the Co. ignored on or about XX/XX/XXXX. 

Account Name EOS CCA Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$220.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: MI
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:
Equifax has taken advantage of my trust they and all the other companies have use my trust and misused all my personal information not only have these companies lied on all reports but they have sold my information off to other companies without my consent THE BANKS AS WELL CFPBPlease investigate all these credit bureaus because they are stealing committing FRAUD and taking are personal information and making profit off of it that is extortionThese companies should be in trouble a lot of itI want compensation for all this illegal activity in my nameThey have cause so much poverty in my life I was basically redline in the UNITED STATES OF AMERICA by banks and credit bureaus : ( This is unacceptable and wrongIve never understood what and how these companies get away with lies and contract fraud..Extortion.A lot of illegal activity and how when they have all of our personal informationHow can these companies get away with this HOWI want Justice for all the discrimination and XXXX in the UNITED STATES OF AMERICAThis country is XXXX they call the XXXX XXXX XXXX XXXX XXXX XXXX ) so yeah thats my proof that all these companies I complain about is XXXX.What is going on in this worldPlease pay me back in full and CFPB can u please get PEOPLE in office that is not XXXX AGAINST XXXX PEOPLE to actually help us outIm tired of being treated like a XXXX and watched by XXXX being harressed lately too cfpbYeah this government is shady against XXXX AMERICANSplease do something please they must stop stealing and making profit off our informationI want compensation for the BREACH OF CONTRACT OF THIS COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: U.S. BANCORP
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a HELOC with US Bank which are started back in XX/XX/XXXX. I have posted payment the first week of every month. I have late fees in XX/XX/XXXX and XX/XX/XXXX. The bank stipulated because I made the payment the first week of the month before the statement processed that the payment went to principle which made it look like I didn't make a payment. I talked with more that six different representatives and a manager over the last 2 months to correct this. The months I didn't get a late fee is because the payment was within the 5 day grace period according to the Bank. My normal payment is around {$1500.00} and I have always paid more than the balance due. This month showed a due amount of {$3800.00} for XXXX XXXX XXXX. The Bank supervisor on the phone said it can't be changed. This is not my fault and was never told to make payments after the 6th of each month. I made all of my payment online. I paid {$3900.00} on the XXXX because of what the Bank stipulated and I didn't want to ruin my credit with a past due amount over 30 days. This was not my fault and I have been making payment ever month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : It also States a consumer reporting again y can not furnish a account and it hour my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I purchase the monthly for Experian, XXXX and XXXX. I have built my credit up very good in the past year and a half and it reflects well on XXXX website and also XXXX. It even shows experian as higher than actual on the XXXX and XXXX but not solely Experian. Experian has my credit score as extremely low and also the other two bureaus. Its a large contradiction and Experian doesnt reflect correctly as the other two. This costs me big with loans for my business, trying to by a home and the mortgage people purposely use Experian since its always the lowest score so they can have an excuse to give higher rates. Its a sham and it needs to stop. Why isnt the Government helping all of us citizens out to hold Experian accountable for their bad practices and algorithms.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In response to a marketing offer from Citibank, I opened and funded online on XX/XX/2019 a DDA and a Savings account with an aggregate account balance of {$15000.00}. Following, I contact customer service via e-chat to validate that the primary DDA account was enrolled to the $ XXXX/XXXX  incentive offer. This premium includes a base {$400.00} award within 90 days of qualifying activities plus another {$100.00} for initiating at least 2 ACH transactions into the account. 

I attempted contacting the bank via email, and mail correspondence but to no avail. Even after taking into account the extraordinary circumstances facing everyone, an entity such as Citibank should have the bandwidth to address my concerns and to make me whole as originally represented they would.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: FL
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 tried countless of times to contact them and let XXXX XXXX and XXXX know its not me they dont respond to me but lie and say they do and send papers in the mail which they dont I have shown them the ftc report and told them to stop reporting this false account to my name Im mentally stress from this situation I have called them emailed and mailed information regarding this matter they are a XXXX XXXX  company that believes in cheating American citizens once again I have shown them the ftc 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 explanation
Consumer complaint received 2022-04-14
Company: CITIBANK, N.A.
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:
Someone with my information opened a Best Buy and Macys credit card. Each with a balance of over {$1000.00}. The purchase made was NOT mine and dropped my credit score over 80 points. Tried to dispute through XXXX XXXX and nothing has happened. Also have already filled a police report through the XXXX XXXX police department with Officer 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 2022-11-01
Company: Experian Information Solutions Inc.
State: TN
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 ; XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-02-18
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
my loan tomorrow XXXX will be transferred to faye. i am 5 months behind and while this is not a complaint. i am very concenred that while XXXX  XXXX  the current servicer has been reviewing me for a forebearance loan mod this will get lost once it transfers to faye and a slam bam thank you maam will occur.Which is out of red tape and bureacracy Faye lending will file foreclosure. i wish to avoid this. I sent a letter on Saturday. i asked XXXX to delay transfer until my review is complete. They told me i have a chance of approval once all docs are received. i care about my obligation and do not wish this to get worse. I do this complaint since i want to avoid un needed stress and red tape. DO NOT file foreclosure please. i am prepared to pay the lender and am working to sell.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Early Warning Services, LLC
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I was trying to sell a treadmill I have on XXXX for {$200.00}. The buyer sent me {$200.00} through Zelle pay I had with my XXXX XXXXXXXX account. Zelle held my {$200.00} and would not give it to me until the buyer sent me another {$300.00} through Zelle pay and then I had to send the {$300.00} back to him or they would hold my {$500.00}. So I sent the {$300.00} back to him and now Im down {$500.00}. They still are holding my {$500.00} until I send the buyer {$500.00} because they said I have to open business account and I have to pay {$1000.00} for business fees and they will give me my {$1000.00} back. So I wanted my money back so I sent the buyer {$500.00} and now Im thinking Im going to get my {$1000.00} back and they said no you need to send this agent {$1000.00} at XXXX  and we will send you {$2000.00}. I dont have {$1000.00} to send the XXXX account and I lost my last {$1000.00}. The buyer blocked me and did not purchase the treadmill so I lost {$800.00} my rent money. I have no money now. Zelle refuses to give it back to me and they kept emailing me asking me for my bank account numbers the front and back of my debit card and my PIN number. I said no just please give me my {$1000.00} back. They stopped messaging me. I disputed all the transactions with XXXX XXXX and they refuse to give me a refund also to my bank account. They said they have to talk to Zelle first. Zelle is no response and XXXX XXXX said I have to wait XXXX business days for investigation. I have all the emails to prove this. I need my money back. Please I repeatedly told them I dont need a business account I am only selling one thing because Im a XXXX mom and I need cash.

Company response to consumer: Closed with explanation