BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: MD
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX Balance Owed : {$0.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance Owed : {$240.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$7600.00} XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I contacted Citibank to file a dispute on charges debited from my account by XXXX XXXX in XXXX, Florida. I conducted business with this company over the telephone for credit repair services. The company did not do anything to repair my credit, more than 90 days passed from the time I paid the company and nothing was done on their behalf to assist me with the credit repair services they promised. I contacted Citibank on XX/XX/XXXX and filed a dispute for the charge of {$300.00} debited from my account on XX/XX/XXXX and for {$500.00} debited on XX/XX/XXXX. I reached out to XXXX XXXX and the individual I spoke to told me they were not going to refund my money even though they have not provided the services they promised for {$800.00}. I decided to contact my bank fro assistance. Citibank denied my claim on XX/XX/XXXX based on the fact that the information I provided was not enough to support my claim. I did business over the phone with this scammers that fraudulently stole my hard earn money. I did business over the phone with the company off course I do not have anything from them to show to Citibank, I never signed any documents with this company, I provided my information to them in good faith that they will deliver on their promise to assist me with credit repair in turn I get robed for my hard earned money and Citibank allows that to happen I am their client. They are not taking care of my claim as a consumer.

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 2023-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
I have made numerous attempts to correct this issue with Kohls through the complaints/disputes filed with the 3 credit bureaus ( XXXX, XXXX, and XXXX ). The debt is a charge off but continues to show a past due amount of {$1100.00}, reflecting this as open revolving credit when it should report as {$0.00}. In addition I requested a 1099c form if this debt is in fact a charge off, as I would like to audit this debt with the IRS, and if it is fraudulent I would like to report it, as incorrect documentation and reporting on the credit report is a direct violation of the FCRA 15 USC 1681 eb.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: National Credit Adjusters, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX and XXXX is blocking my credit file. 
I am attempting to dispute. XXXX XXXX XXXX 2 collection accounts and XXXX XXXX XXXX and National credit adjusters I want these 3 companies disputed as follows : I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Please govern yourself accordingly!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is the continuation of the CFPB complaint XXXX I submitted on XX/XX/2023 ( the " Complaint '' ). American Express National Bank 's response for the Complaint ( the " Response '' ) has not mentioned or answered any of my points in the Complaint, especially, American Express has not explained why it has never sued me in the court for the {$10000.00} debt it reported in my credit report ( the " Debt '' ), or claimed damages against me through mediation or arbitration for the Debt. American Express stated " We were unable to locate the interaction mentioned in your complaint. ", if this means that the Cardmember Agreement ( " XXXX '' ) does not include American Express ' rights to sue me to claim the damages caused by the Debt, American Express must promise not to sue anyone that do not pay their American Express credit cards and owe money to American Express.

Also, American Express stated in the Response that " The XXXX contains a Claims Resolution provision which explains how claims can be resolved through mediation, arbitration, or litigation. All Card Members must follow the Claims Resolution process outlined in the XXXX for all legal claims. We have enclosed a copy of the XXXX for your review. ", this is irrelevant to the Complaint as the Complaint did not claim damages against American Express, and the Complaint only requested American Express to sue me to claim its own damages caused by the Debt against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am dealing with an estate situation, the servicer is not working with third party authorized due to pending litigation.

There is no litigation, there is no attorney, they are holding our loan resolution hostage by not cooperating with our third party. the communication is lackluster, we are forced to deal with the banks attorney and its not easy, they don't get back to you fast. We have tried to get the file out of litigation, they can not provide us with an attorney name ... an attorney who is supposedly representing us, so that we can't even fire a fictitious attorney ... ... when we call directly they will not furnish us with any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
Charged XXXXXXXX XXXX for XXXX on XXXX card. My cousin paid for her half of the cruise on an XXXX card. Cruise postponed until XXXX due covid. Then in XXXX of XXXX XXXX cancelled cruise altogether and sent me copy of ledger page showing refund made to cousin 's XXXX card and my XXXX card on XX/XX/XXXX. My cousin received refund on her XXXX card ; XXXX said they never received my refund. Follow up with XXXX impossible as they went bankrupt. I feel confident XXXX got my refund and lost it, as my XXXX card number had changed in XXXX. I have explained situation to dispute department but all they send me are form letters saying it is untimely since the original charge was in XXXX. When situation wasn't resolved I sent certified letter to XXXX of XXXX and received a reply saying it should be taken up with Bank of America. I sent certified letter to President. of Bank of America which was signed for on XX/XX/XXXX but I never received a reply. Amount involved is $ 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 monetary relief
Consumer complaint received 2021-07-03
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2021 all trading was disabled on my account and I wrote to Coinbase support and verified my account. 

On XX/XX/2021 I received an automated response from Coinbase support saying that their Support team was working hard to answer customer inquiries and to visit their Help Center for more information ( Case # XXXX XXXX. 

On XX/XX/2021 I received an email from Coinbase Support saying they had transferred my case to a specialist who would be able to further help with this issue, and that replying back to this email was the best way for an update ( ref : XXXX : ref ) On XX/XX/2021 I replied to the email asking for an update and have never received a response to date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-07
Company: Harris & Harris, Ltd.
State: IL
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:
15 USC 1681b ( 2 ) In accordance with the written instructions of the Consumer to whom it relates 15 USC 1681A Respect for the Consumers Right to Privacy 15 USC 1681O Civil liability for negligent noncompliance 15 USC 1692C Communication in connection with debt collection 15 USC 1692D ( 2 ) Harassment or abuse 15 USC 1692E ( 2 ) ( A ) Fale or misleading representations Please help this company has violated all of my Consumers Rights and Continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Their efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated. Yet, there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: SAMC Honebee TRS, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Company : GMFS Mortgage. 
This is about unauthorized charge for PMI from my escrow account. 
In addition to monthly mortgage payment I sent additional payment towards principal in XX/XX/XXXX to meet 20 % down payment so that I can request to cancel the PMI. My payments were processed by XX/XX/XXXX ( Transaction pages are attached for reference ). I called GMFS customer service and made a request to cancel the PMI. My PMI was cancelled on XX/XX/XXXX ( Cancellation confirmation letter from GMFS is attached for reference ). On XX/XX/XXXX, GMFS debited {$240.00} for private mortgage insurance disbursement. I called GMFS customer service to understand this charge and made requests to refund it, but after several calls ( many times the customer service responses were poor and disappointing ) they said, " that was the payment due for PMI ''. Please note, there was no payment due for PMI, I explained it to the customer service representative. All previous PMI payments were made, this can easily be verified from the transaction pages attached. I made request to transfer my call to supervisor as my request to refund unauthorized charge remained unresolved. They said they can not transfer my call to supervisor, but they said they can setup call back from supervisor. I agreed for the call back option and they said I should get a call from supervisor in next 48 to 72 hours. I did not receive call back from them at all. 
I made call back requests on these dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Till date the issue is unresolved. I request you to investigate this issue and have GMFS refund {$240.00} to me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 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  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 XXXX : It also states a consumer reporting agency can not furnish a 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 2018-04-14
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
CFPB Complaint number # XXXX CFPB Complaint number # XXXX Equifax Confirmation # XXXX Equifax Confirmation # XXXX Equifax Confirmation # XXXX These two/three complaint are related to the same issue in which Equifax is illegal verifing and reporting a public record on my credit report. They have violated the FCRA by using a third party vendor ( XXXX  XXXX  ) to verify a public record. My XXXX  XXXX  credit report is frozen yet they claim to be using them to verify this public record below. XXXX XXXX XXXX XXXX XXXX {$130000.00} Ref # XXXX each time I disputed this, they have used the same response and never truly did a proper investigation by going directly to the data furnisher which would be the court house/country clerk. This judgement is not satisfied nor is it released yet Equifx keeps reporting it like this due to negligence on their end. This is not an accurate tradeline and thus needs to be removed. The data furnisher which is the court house NOT XXXX XXXX. The court house or the county clerk do not report or furnish information to the credit bureaus like Equifax and yet this is illegally being reported on my credit report. the FCRA states in : FCRA 603 ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; with that said I have not given ANY consent to any court house , county clerk, XXXX XXXX or anyone the right to report this public record on my credit report. XXXX XXXX has it wrong and thus Equifax has it wrong and further both are not accurate and this trade line needs to be deleted off my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-12-15
Company: Experian Information Solutions Inc.
State: IL
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:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, ME  XXXX XX/XX/2020 TD BankXXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX Beyond Checking Bonus Offer Account XXXX To Whom it May Concern : On XX/XX/2020, I applied online for a Beyond Checking account at TD Bank , N.A . ( the Bank ) in response to an offer to Earn {$300.00}. I was subsequently approved and met the offer requirements. 

I contacted the Bank several times throughout XXXX and XXXX to request payment. 

As of today, the bonus has not posted. 

Now, I respectfully demand that the Bank pay the advertised bonus of {$300.00}. 

Otherwise, this matter will proceed to trial with all costs borne by the Bank. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation