BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I initially called Kohl 's credit customer service in XX/XX/XXXX and was advised a XXXX   was issued on my account and that the debt owed was forgiven. 

I called for 2 months weekly trying to get a copy of the XXXX sent to my proper address. Weekly, I was told it was mailed. Never received. 

At the beginning of XX/XX/XXXX, I finally received it and the CS representative admitted those were requests and it took a long time to actually be mailed. 

The information on it is incorrect. Balance and account number are not mine. 

After multiple calls, speaking with unknowledgeable representatives, they told me I would receive a fax stating the error and that my account was issued a XXXX   forgiven debt notice with my name, balance, and account number. Never received. A rude supervisor told me I wasn't being patient enough a week after it was promised within 24 hours. Never received. 

Today, taxes are past due. A corrected form was never received. Who knows if it was issued. I want a corrected XXXX sent to me with TRACKING to verify its location. 

It's quite scary that Kohl 's maintains such poor records and practices and constantly blames it on another department or their partnership with Capital One, now placing me at risk of tax audit. 

The balance continues to be reported on my credit reports and verified incorrectly by Kohl's/Cap One. A forgiven debt would mean {$0.00} balance, however, your documentation does not even match the account. 

Under the FCRA, Kohl 's is required to conduct an investigation on this account if I request it and provide the original loan application with my signature, original executed notes, history of payments, and any other documentation they may have verifying the legitimacy and accuracy of their incorrect verification and reporting of the account as stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
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:
Disputed Unauthorized accounts on my credit reports and the investigation still did not fix the errors in my file.

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 2023-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had an account with Bank of America over fie years ago, and I was sent a fake check in the mail from someone claiming to be my supervisor from employment that I thought was real work/job. It turned out the whole gig was a scam and the check that was deposited, or attempted to be was not a real check in good standing. That caused the bank to close my account, even though it was no fault of mine. I had no knowledge of knowing this was a possibility at the time. When my account was closed, there was a balance left that needed attention. I went to the bank, and closed the balance out for approximately {$200.00}. Once I cleared the balance, it was supposed to be shown in my report that the balance was cleared and the account was placed in good standing. Now, it's XXXX and this occured in XXXX. It is still a run around for a bank and XXXX XXXX XXXX to get me a letter or some kind proof that this is a resolved issue amgonst time and my 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 2023-03-12
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Gemini doesnt answer my questions via mail or via from here. I just ask them a lot of question they just give copy-paste answers. 

i have a problem since XXXX w/ Gemini and didnt get any help from them. I just sent accidently SPL-USDC to Gemini, assets sitting in my XXXX XXXX XXXX easy to reach but they are refusing to help. Worst Spport, Worst Technical Exchange, Worst helper exchange ever. 

1- ) is gemini have a access to move tokens from depository account which is belong to me? i can see gemini doesnt have a access to depository accounts, which is a huge problem if people rush to exchange for withdraw tokens. 

2- ) if you guys have access to XXXX account they easly can access my funds to send back to me. so whats your answer? 

3- ) In agreement '' Your property if sent to your XXXX Account or XXXX Account '', i sent to my depository account which is belong to me. I want to use my right and give my money. You cant extortion my money its belong to me. 

4- ) In agreement ''You agree and understand that a Digital Asset of an Unspported Network or a Digital Asset that operates on top of a Spported Network is not a Spported Digital Asset ( each, an Unspported Digital Asset ), unless it is explicitly named as a Spported Digital Asset herein XXXX '' which USD Coin is spported by Gemini. 

5- ) In agreement ''You agree and understand that a XXXX XXXX XXXX is not a upported Network ( each, an Unspported Network ), unless it is explicitly named as a Spported Network herein. '' which XXXX XXXX is spported by Gemini. If they dont have token recovery system XXXX XXXX is not my problem, you have to do it what ever it takes, you need to figure out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am having a problem with Experian Credit Monitoring. I can not log in to my account online- when I try to reset my password, I get a message that they are unable to perform that service at that time. Whenever I call, the automated system tells me the wait time is over an hour. I have waited on hold to no avail. I have sent an email to the customer service email provided and have gotten no response. I am trapped in a monthly payment and can not access my account or cancel the service. I originally just wanted to unlock my online account, but given this horrible customer service, I now want to cancel my membership. I can not imagine trying to contact them if I had an actual credit breach issue.

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 monetary relief
Consumer complaint received 2019-05-15
Company: Specialized Loan Servicing Holdings LLC
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:
Specialized Loan Servicing currently reports a foreclosure for a trade line that has no foreclosure event.

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 2023-09-10
Company: AVANTE
State: CA
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:
Name : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : AVANTE USA Date reported : XX/XX/XXXX In Accordance with the Fair Credit Reporting Act XXXX  Account 'AVANTE USA ' has violated my rights. 

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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have an American Express card with a 0 % interest period through XX/XX/2024, but American Express has been charging me interest for several months now. I have asked for them to stop charging me interest and refund the previous interest charges, but they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Charge-off XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2023-01-19
Company: MRS BPO, LLC
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:
This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12
Company: Experian Information Solutions 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:
I have sent in the appropriate documentation that supports proof that an account with XXXX  was fraudulently opened. I have used all appropriate channels and submitted all required documentation including the attached police report and FTC fraud affidavit and filed a dispute with Experian  ( XXXX  ). They concluded the dispute by not removing the fraudulent account. I am in dire need of financing related to the XXXX. I am asking that this account be removed from my credit report as it does not belong there.

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 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : 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 2022-07-21
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX XXXXXXXX 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 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore, the FCRA requires furnishers to investigate consumer disputes filed with the credit reporting agencies about the information the furnishers provided. 
Section Sec. 623 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have contacted XXXX and Transunion multiple times in regards to these unverified, inaccurate, and erroneous accounts, but they have refused to fix these errors. 

Please see my attached credit report ( dated XX/XX/2022 ) that shows a plethora of inaccuracies and errors that I have disputed multiple times with each bureau and have come back " verified '' every time. XXXX has conducted reasonable and lawful investigation into each account and has deleted the erroneous accounts. 

Please note that not complying with the laws of the FCRA can and will subject your company to statutory damages of {$100.00} - {$1000.00} ***per violation***. As you can see, there are quite a few violations that have been highlighted.

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 2023-12-18
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax is not updating my credit report. Since XXXX the only time they have updated anything is when I have disputed it. I paid off all of my credit cards in XXXX, Equifax still has me using 40 % of my available credit, and the ones they have updated they only did so because i disputed the balance. This is negatively effecting my ability to obtain credit. On the credit reprot it even shows the last payments they updated as being in XXXX, except for the ones I disputed. All of the companies in question have assured me they have notified Equifax of my status every month along with the other XXXX agencies ( XXXX and XXXX ) and that it is Equifax choosing not to update me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
To Whom It May Concern, On XX/XX/XXXX, I Filed A Dispute With TransUnion Regarding A Inaccurate Account Being Reported On My Credit Report ( File Number XXXX ). On XX/XX/XXXX, I Received Dispute Results From TransUnion Stating That This Account Was Verified As Accurate By Primary Creditor. XX/XX/XXXX, I Wrote A Letter To The Primary Creditor Asking There Process In Verifying This Information With CREDIT BUREAS. On XX/XX/XXXX, The PRIMARY CREDITOR Responded Back Via Mail Stating That They Did Not REPORT OR VERIFY ANY Information With ANY CREDIT BUREAS. On XX/XX/XXXX I Attached Both Letters & Mailed To TransUnion Asking For Deletion Because This Account WAS NOT VERIFIED AND IS INACCURATELY REPORTING ON MY CREDIT REPORT. On XX/XX/XXXX I Received Dispute Results From TransUnion Stating Again This Account Was Verified As Accurate. I Contacted TransUnion Via Phone & Asked How Was It Verified If The Finisher ( Primary Creditor ) Doesnt REPORT TO ANY CREDIT BUREAS INCLUDING TransUnion, & Stated I Sent In FURNISHER Response Letter To Prove That. The Agent Told Me She Did See Both My Letter And The Primary Creditor Response & Had To Transfer Me To Specialist. After I Explained To Specialists She Continued To State REPEATEDLY That The Primary Creditor Verified Information But She Could Not Provide Me Proof Of Verification. 

FAILURE TO VERIFY IS A VIOLATION OF FCRA. TRANSUNION WILLINGLY FAILED TO CONDUCT A REASONABLE REINVESTIGATION AND DELETE THIS ACCOUNT ( File Number XXXX ) AS I REQUESTED.

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 2023-05-22
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-03-12
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: Information belongs to someone else

Complaint:
Not my items

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