BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: NJ
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:
In XX/XX/2021 I was a victim of a hit-and-run accident sustaining multiple injuries. My medical bills have been paid by my auto insurance and medical insurance. I have two active insurances for which I pay huge amounts as premium. The so-called Collection Agency named XXXX XXXX has been threatening and intimidating and this was reported to CFPB. My insurance company sent the proof that the original creditor ( an ambulance company named XXXX XXXX XXXX  ) was paid for their service. XXXX was given all the proof of payment by XXXX and still they refused to remove it from my credit report and reporting false information. XXXX is colluding with the collection agency and XXXX action is unlawful. The collection agency repeatedly lied to CFPB on multiple occasions. 2 times I filed dispute through XXXX website with testimony and proof that I am not responsible for this and my auto insurance and medical insurance paid all legitimate amounts. The proof is again attached and Collection Agency is still attempting to threaten by keeping Negative false information on my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Dave Operating, LLC
State: MO
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:
Someone gain access to my account and used my card in 3 different states I never been to completely wiped out my bank account before I noticed it leaving me with nothing. I can't get ahold of anyone on the phone because I don't have access to my debit card. Only option I have is talking to support through the chat which has horrible customer service I'm not a fast typer in the middle of me emplaning what's the issue the customer service rep 's keeps ending our chat because I'm not a fast enough typer which doesn't allow me to explain my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2023-03-21
Company: Experian Information Solutions Inc.
State: DE
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, has been Attempting to collect on a Debt in a location where I do not reside pursuant to 15 USC 1692b. And also not Validating the debt that they say is owed Along With 15 USC 1681 section 604 A section 2. States that a consumer reporting agency can not furnish a account without my written consent.

15 USC 1681 section 602 A. States that i have a right to privacy Failure to give prior consent for attempting to communicate pursuant 15 U.S. Code 1692c Failure to provide notice of consent on initial communication pursuant to 15 U.S. Code 1692 ( k ) All this caused me mental anguish and stress so I'm seeking damages pursuant to 15 USC code 1692 ( k )

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 2022-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have called Capital One Credit card services XXXX separate times that I am not the one summiting credit card applications to them. However, the applications are still going through causing hard inquiries on my account. 
I would like the inquiries removed form my account. My wallet was stolen XXXX XX/XX/2022. There is a police report filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: CCS Financial Services, Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CCS collections.

I havent received any mail from them, stating a collection.

They have a {$230.00} charge for insurance.

And they have a {$99.00} charge on my credit reports.

This company is shady!

I have already had 2 items removed off my credit report. Need to provide proof that they were deleted and not trying to collect on them Cant find account # s for these charges. Its kind of hard to verify or validate. So please validate and verify it. Also my signature where i signed a contract with this company. It should be removed. I paid my insurance that i used. Or i wasnt covered.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: IL
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 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 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 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: IL
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 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 .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 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 XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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, the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX Unknown Furnisher account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 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 explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: PA
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 will not remove accounts that are fraud also accounts that are report inaccurate and incomplete information.They will not remove inquirys that are also fraud related.They will not remove negative information from my report that not related to anything.They also play games with my fico score it's always XXXX point removed for negative information but only go up XXXX point for a new trade line.I can not get anyone on the phone because the XXXX is setup.

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 2023-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
The Following are unauthorized and I asked XXXX delete them I have reached out two both XXXX and the companies the Inquiries were made from and neither party can provide me documentation of my application or wet signature on documents but refuse too comply with Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that creditors and XXXX can not verify.I understand that under 15 U.S.C.1681i ( a ), you must complete this investigation within 30 days. The following companies and XXXX need to provide me copy of application and signature said companies are :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08
Company: AMERICAN EXPRESS COMPANY
State: CO
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:
I used my American Express XXXX  card to book a hotel. The reason why I used this specific card is because I wanted to make use of their {$200.00} hotel credit. After booking through American Expresss travel website, using my XXXX  card throughout the entire process, I was informed that somehow I marked that I would rather pay for the hotel later than upfront ( which is something I have never done before in my life ). Because of this marking that I paid later instead of when I made the booking, I was ineligible for the credit. I tried to resolve this with Amex but they transferred be 8 times and I have been on hold for 1.5 hours. The entire call length is currently 2 hours and 15 mins.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-28
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-03-20
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I've attempted to wire transfer funds from CITI multiple times, CITI has cancelled all transactions claiming they need to verify my phone number. I've called from the phone number in the system, I've got them on a recorded line. All times I verified with a supervisor. I even called from my brother 's number that was also verified. I also tried doing a transfer to another bank today and it was blocked. Said I was limited until XX/XX/2023. This is my money if I want to wire or transfer funds, I should be allowed to. Citi is scamming the process. There were several other attempts aside from the ones I attached.

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 2023-04-06
Company: Coinbase, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a debit card with Coinbase that issues rewards for purchases. I have not received any rewards since XX/XX/XXXX, but have any transactions go through successfully and my account state that rewards have been issues. However, I have not been credited those funds. 

I have called the support team several times and they refuse to help. Instead the tell you to call a number ( XXXX ) and press option 5 which give a short message and then hangs up on you. They refuse to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I discovered a XXXX checking account & credit card account was opened in my name when I applied for my account with XXXX XXXX in XX/XX/2019. I then contact Early Warnings Services Im disputing this information. 

XXXX refuse to give me any type of information. When I call to dispute theses accounts no one will speak to me. Everyone I speak to tells me that is been sent over to a team to be worked. No one has contacted me or asked for no type of documents. 

I have been in contact with XXXX XXXX since XX/XX/2019. I have sent identity theft affidavit, police reports, & all of the requested information. 

Early Warning continue to tell me the same thing that XXXX  said the information is accurate & Im responsible. 

I will not be responsible for anything that do not belong to me. Early warning told me to send in a rebuttal statement & they will Re-investigate reinvestigate however I have yet to see any documents of any new information. 

XXXX told Early warning that this said account had direct deposits & etc but I have yet to see who the payee is & company. 

No one is helping me with this matter & this is becoming more then & issue for me. 

I have never had an account ( s ) with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.

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 2022-04-22
Company: EQUIFAX, INC.
State: IN
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 requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent letters on a few more occasions but still no response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request and that does not protect my rights under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, 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:
XXXX has reported that I was delinquent on the report in XX/XX/2021. This is incorrect info as I as in Forbearance with them. I have a letter proving that they made a mistake. Please correct this as soon as possible. Account shouldn't be showing delinquent at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: OK
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 had paid off a loan from the XXXX XXXX XXXX XXXX ( XXXX  ) in XX/XX/XXXX, on my credit report it is showing it had a late payment XX/XX/XXXX. I have submitted several disputes with documents from the government starting in XX/XX/XXXX proving this was completely paid off and closed out XX/XX/XXXX and that the information on my credit report is incorrect. They refuse to take it off causing damage to my credit score.

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