BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My name is XXXX XXXX, I am a XXXX XXXX and XXXX XXXXXXXX and can not go to the branch directly. I am authorized by my son to help me open a capitol one saving account online, together with my husband. Since we are planning to put our retirement savings into the Capitol One savings. However the Capitol one is giving us a really hard time for us to access the opened account by verifying the mobile phone, which belonged to our son and we don't have it under our name. Since we can not access the online account I told my son to call Capitol One to close my account together with my husband, since we don't want to have a relationship with them. But Capitol One told my son I should go to the branch in person to close it, which is impossible for me to do. If I know Capitol one is so hard to deal with I will never ask my son to help me open it online. Now I just want my account in Capitol one to be closed and I don't want a further relationship with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: TX
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:
Irecentlyreviewedmycreditprofileandnoticedinaccuraciesandfalse accusations by XXXX. Iam formally requesting that thesebeinvestigatedproperlywith immediacy.

Account one has a balance of {$28000.00} and account two has a Balance of {$36000.00} XXXX continues to report 2 Delinquent accounts inaccurately on my credit report. 

-Showing Different account numbers -This creditor does not own this account -Each Bureau shows a Different date of last activity -This account has been re-aged -They are reporting payment after this account was closed -They are reporting this account as transferred -Different dates listed under date of last payment -I disputed this account but nothing was sent to me legally to verify ( There is no indication that I disputed this account on my credit profile )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: NC
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 has violated my rights : 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 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 2022-10-27
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, 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:
XXXX XXXX Bank reported late charges in XX/XX/XXXX for XXXX and XX/XX/XXXX and XX/XX/XXXX for XXXX and XX/XX/XXXX. Both times this was due to issue with XXXX. In both cases XXXX removed an incorrect charge, and then the late fees assessed by XXXX  were appropriately removed. As such my record continues to show NO payment made by me to XXXX since XX/XX/XXXX, and my balance paid in full since such date, with NO current balance, NOTHING due by me, etc I disputed the XX/XX/XXXX and it was removed from my credit reports ; then I disputed the XX/XX/XXXX and it was removed but the previously removed XXXX re-appeared!! I disputed that and then the XX/XX/XXXX re-appeared and remained the XXXX one showing!! What kind of sick game is XXXX and the credit bureaus playing with peoples lives here???! I have perfect payment history ; No late fees ; no late payments ; accounts paid in full. Incorrect charges and therefore inappropriately assessed late fees were removed. WHY am I being penalized for that???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hey Equifax, I purchased a car on XX/XX/2022, and currently hold the car note with XXXX XXXX XXXX. 
On my report, however, I show 4 incorrect hard credit checks on that same date. Please remove them as FCRA section 604 allows for same day rate shopping in financing an automobile. 
The incorrect hard credit checks are as follows : 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 ( no contact information reported for creditor ). 

Please remove these hard credit checks, as this is my second request with CFPB and going on third letter. 

Have a great day yall!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: First Associates Loan Servicing LLC
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying this company since 2013 and they refuse to adjust the balance or report accurately. I have not been late on a payment. They have not counted my payment toward the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Someone has been trying to apply for credit using my name. The following Credit Inquiries are NOT mine nor did I ever consent or authorize any of these companies to pull my credit. Please investigate this issue and send me the results and IMMEDIATEDLY remove form my credit reports : 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

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 2023-11-20
Company: EQUIFAX, INC.
State: PA
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:
They have failed to resolve my concerns. They have failed to communicate with the creditor involved. The credit consulting agencies have failed to provide coherent and consistent reports. All their details were mismatched to XXXX another, not just in XXXX criteria or rows but all other XXXX rows were incoherent, incorrect and misleading.

Company response to consumer: In progress
Consumer complaint received 2022-03-01
Company: ERC
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:
I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: M&T BANK CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On Monday XX/XX/2021 I called a number given to me on the XXXX/XXXX I informed the person that I was trying to connect my prime service to my TV so we could watch movies The person on the other end ask me for the code that i was given on my TV and ask that i open my apple phone and place it next to my XXXX that I was using which I complied next thing I know the person is asking me some questions that had nothing to do with the issue. 
I felt something was not right and decided to check my bank and that was when I realized that my bank account had been hacked Someone sent a XXXX payment to a person I do not know for {$1300.00} which cleared my checking account. 
They then proceeded to clear my savings account that was linked to my checking account with two transfers one for XXXX and another for XXXX I called M & T Bank right away and reported it and ask them to locked my online access and to issue me new ATM Cards. The following day I visited the bank personally and spoke to the teller who then call the main bank to see information she then ask some questions about XXXX and a XXXX XXXX, I told them that I have never use that service and after a few more question I was told. that I should hear from Bank after 72 hours On Wenesday I went back to the bank and was told my money was back in my account but upon checking I noticed that the savings account money was in back in my account because the hackers couldn't finish the transaction but the amount of the first XXXX transfer was not credited. When I called the bank I was told the credit was denied and the case was closed. I want the bank to refund my {$1300.00} plus {$110.00} overdraft fees charged to me because there was no money in the account when some of my other payments came in. 
anything you can do to help will be appreciated

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 2021-03-21
Company: First Credit Services Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Late in XXXX, I received collection calls and letters from First Credit Services , Inc. alleging that I had a past due balance of {$54.00} with XXXX XXXX I previously had paid a portion of the {$54.00} and attempted to terminate my XXXX membership via email as well as via XXXX XXXX website. In response to my efforts to cancel my membership, I received a subsequent email indicating that my membership could be terminated only by visiting the XXXX  location in person or by sending a letter via certified mail canceling my membership. Meanwhile, the email informed me that charges would continue to accrue. After receiving this latest email, I contacted XXXX XXXXXXXX directly ( the XXXX XXXX  name was XXXX XXXX on XX/XX/XXXX, to determine how to resolve the collection dispute. I was informed by XXXX that I could pay {$19.00} to resolve the outstanding balance and cancel my membership immediately. I paid that amount as well as confirmed cancellation via certified mail return receipt letter the same day ( and received confirmation of receipt by XXXX  XXXX ). Nonetheless, since midXXXX XXXX, I have repeatedly been contacted by First Credit Services , Inc. alleging that I continue to owe an outstanding balance of {$54.00} to XXXX XXXX. I have provided documentation regarding full payment to both XXXX XXXX and First Credit Services , IncXXXX, yet I continue to be contacted. I've exhausted all efforts to resolve this matter other than filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a letter regarding Inaccurate and unknown addresses on my credit report I have not received a response yet And I do not know why. I feel that the credit bureaus ignored my letter requesting that all Inaccurate address to be taken off my credit report. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person.

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 2020-05-18
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020, My XXXX XXXX  account was settled with a 3rd party collection agency ( XXXX XXXX XXXX, XXXX XXXX ). I was emailed a proof of letter account satisfied. This account was removed from the credit bureaus as per the terms i had with XXXX XXXX XXXX XXXX once account settled in late XX/XX/2020. On XX/XX/2020 Mid West Recovery Systems ( XXXX ) reported the same account which, l ready paid in full to XXXX XXXX. I attempted to notified them numerous times to get this account removed as far as even providing receipt to them. They have been harassing me and threatening me to pay off this account. XXXX from XXXX XXXX has even gone out of his way to help by contacting them and leaving multiple voice mails to get account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2023-11-10
Company: Avant Holding Company, Inc.
State: LA
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:
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may r treat a payment on a credit card349 account under an open end

Company response to consumer: In progress
Consumer complaint received 2022-11-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022, I sent a letter to Equifax about unauthorized inquiries & accounts on my credit report with proper identification. 
After speaking with a representative by phone I was instructed to send an FTC Report with my letter and identification in order for them to be removed. 
XX/XX/2022, I sent another dispute letter with an FTC report about the existing unauthorized inquiries that were still present on my credit report. 
In XXXX of XXXX, I spoke to another representative and was instructed to insured that the inquiries were listed in the " Accounts Affected '' column of the FTC Report to have them removed. 
On XX/XX/XXXX, I sent an updated FTC Report, proper identification, a letter instructing Equifax to remove these unauthorized inquiries from my report, and their duties as a consumer reporting agency under 15 USC 1681 and they still have not done so. Equifax has stated that the information has came back as verified but not given exact information or communication that was given to prove it was actually verified. They have had a history of not really reinvestigating the information furnished on reports after being disputed and I am suspecting fraudulent activities on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
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:
I recognized your help to remove a portion of the data in my credit file that came about because of a FRAUD yet I have still items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. Please this time remove the items that are inaccurate on my report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXBalance : {$110.00}

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 2023-11-15
Company: SLM CORPORATION
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Sallie Mae claims I owe money in private loans that have expired past the date of collection. They are also claiming my cosigner is liable ; but my cosigner has already been released via bankruptcy. They are claiming I made payments to them; but I have not made any to them. They are calling extended members of my family as well for debts that they can not collect and need to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Coinbase, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Unauthorized transactions. 
XXXX XXXX my account was hacked and money was taken out. I changed my password for most of my accounts but I've never thought of my XXXX  also being in danger. XX/XX/XXXX i filed a claim on XXXX XXXX XXXXXXXX for XXXX  and XX/XX/XXXX i filed another one on XXXX XXXX XXXX for {$1800.00}. 

On XX/XX/XXXX my XXXX  was already hijacked but i didnt get any fraud notification from XXXX  XXXX XXXX until XX/XX/XXXX when more money was taken out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i have been reaching out for months now because i see inaccurate information being reporting on my credit report. each credit bureau reports diffrent data which is proof that they are not 100 % accurate in their reporting. 
XXXX XXXX XXXX each bureau reports a different date of last activity XXXX XXXX XXXX You have the wrong date of last activity XXXX XXXX Please remove this late payment because its inaccurate and pulling down my credit score! 

XXXX XXXX remove due to inaccuracy - I never paid late XXXX XXXX XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed XXXX XXXX XXXX XXXXXXXX Please remove this late payment because its inaccurate and pulling down my credit score! 

XXXX XXXX XXXX XXXXXXXX Wrong date of last payment

Company response to consumer: Closed with explanation