BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
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:
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 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 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 explanation
Consumer complaint received 2019-10-12
Company: EQUIFAX, INC.
State: NC
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:
All XXXX loans where placed in my bankruptcy 2017 due to a hardship. XXXX keep reporting to XXXX and Equifax every month that I owe them when the accounts was closed at the Chapter XXXX bankruptcy hearing 2017. 
XXXX and Equifax removes all the account after I submit the claim to yall, but only to replace the XXXX accounts back onto my credit report this month. 
XXXX has not responded in a timely manner to my complaint with yall submitted last month or to me speaking with them over a year ago. 
Why are the reporting I owes them money and the interest keep lower my credit score to the point it damaged my credit. Now I get find no apartment or place to live in my name. What is the reason they aren't following the LAW. 
Every month I dispute the XXXX accounts only to have them removed temporarily. Then XXXX reports what the want to about my accounts that false information to XXXX and Equifax and they go and replace the inaccurate information on my Credit account at both Bureaus over and over again. Please have XXXX Stop reporting inaccurate information about my accounts which are closed. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit 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:
You must have known about the XXXX  charge I disputed and it was charged back on my credit card account I recently got a response on " XXXX XXXX XXXX '' from you guys that I can redispute that XXXX charge by calling the customer service. 

Calling customer service is a nightmare in your bank, I feel like XXXX XXXX XXXX XXXX XXXX XXXX, why don't you dispute the charge over here or you give me a call at my phone number because I am not able to reach any customer service agent after calling at your customer service. 

The charge in question was {$240.00} I would like to tell all of the people who was are looking at this complaint to not use this Goldman Sachs credit card- Marcus , you will be banging your head on the wall, the customer service is awful and there is no recourse of the charges you have made on this credit card if you will not receive the merchandise or the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I the consumer, applicant and natural person, was denied by Navy Federal when I applied for multiple personal loans.

Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 1691c and is pursuant to civil liability under 15 USC 1692k You are subject to criminal liability for violating 15 USC 1691 as I have proof that i was discriminated against by Navy Federal due to the response i received which is attached.

Navy Federal is in violation of 15 USC 1642, 15 Usc 1681m and 12 CFR 1002 because I, the consumer and applicant, made an application in good faith with good intentions, but credit was not issued.

Furthermore because my credit card ( social security number ) was used and I the cardholder of that credit card received NO benefit. This is proof of FRAUDULENT ACTIVITY ( unauthorized use of credit card ) on behalf of Navy Federal If Navy Federal fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card i will imdeed make Navy Federal criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o Thank you XXXX : XXXX beneficiary/agent Without Prejudice. All Natural Inalienable Rights Reserved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: NC
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:
Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 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 non-monetary relief
Consumer complaint received 2020-07-28
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: Investigation took more than 30 days

Complaint:
I recently sent out a letter on XX/XX/2020 to Experian to dispute some inaccuracies on my credit report asking them to remove/correct the information listed on the letter. I sent out a follow up a letter on XX/XX/2020 and still haven't received a response. To my knowledge, they are in direct violation of section 611 ( a ) of the fair credit reporting act. I have attached the two letters for investigation.

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 2023-09-15
Company: EQUIFAX, INC.
State: GA
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:
Just checking in about the issue I had with my identity being stolen. I wanted to mention something called FCRA Section 605B, which is part of 15 U.S.C. 1681c-1. This section basically says that Credit Reporting Agencies have to get rid of and prevent the inclusion of any stuff that's in an identity theft report. I've sent over some documents to help out with blocking and removing those inquiries that popped up on my credit report. Below is a list of those unauthorized inquiries that showed up in my credit history : XXXX : XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This reason why Im writing is BB & T is very rude with no empathy and its a whole pandemic going on and I told them I was very sick not for sure if Im getting over the XXXX XXXX  Im still waiting on my test results. I told them on XX/XX/XXXX I had {$2000.00} and the ATM only took {$700.00} the machine kept spitting out the rest the {$1300.00} the reason why I didnt go in because I was very sick and also the hospital and doctors office advised not to go in any place until I get my test results back. The reason why I didnt drive around looking for another ATM because I was extremely sick. I knew things were scheduled to come out so I had enough money to cover everything. You charged me excessive overdraft fees and thats against the law especially its not my fault I was sick, its whole pandemic out these are not normal times plus the ATM machine wasnt working properly. I have all my documents that I been sick and things. Instead of understanding you treat a long time customer like me extremely rude with no empathy. I need these fees taken off because its causing more and my electricity bill is due. Its like {$1000.00} of fees and those are excessive and not my fault. Thank you for your time. Have a wonderful day and please be safe.

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 2021-05-25
Company: Experian Information Solutions 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 status incorrect

Complaint:
I had purchased an item from XXXX and financed through XXXX. The item was returned and Bank reported me as 30 days late. I also made a payment and paid in full. After speaking with rep they stated they would remove it but never did.

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 2021-05-24
Company: Coinbase, Inc.
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I had a coinbase account to buy cryptocurrency. On XX/XX/XXXX, my account was hacked and i couldnt log in. I contact coinbase support and they help me out to have access to my account. So it took around 3 days to get access to my account. 

Once logged in i notice that my money was gone. Around XXXX $ in Bitcoin and XXXX currencies. 

Also, i had withdrawals from my bank account in XXXX XXXX for the amount of XXXX $ on XX/XX/XXXX. They bought more Bitcoin and then they transferred everything to another account. 

All my money is gone. I contact once again Coinbase support team and now they stop answering. 

Since the end of XXXX i havent got a response from Coinbase Support. I file a complaint with them and no answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-23
Company: Diversified Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I called to explain that this debt was not mine. Not only was I never contacted about the debt beforehand, but I had medical insurance through my employer and my doctor 's visit was covered 100 % during the time of the " original '' debt. The rep was very nasty and ended up disconnecting the call while I was attempting to explain the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
CapitalOne arbitrarily restricted my account with no explanation. When I called in they demanded that I provide additional PII before they would tell me anything. I expressed concern over providing PII to a company with a very public record of mishandling the sensitive data of their customers. Against my better judgement I reluctantly agreed and they provided a technical solution to upload the PII which did not work, they provided no alternative. This is not the first time that CapitalOne 's poorly designed anti-fraud practices have caused me unnecessary aggravation. Given that CapitalOne 's so-called anti-fraud practices do not protect me from fraud as much as they have obstructed my legitimate use of my account I have chosen to terminate my <10 year relationship with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov.

14, 1995 ), you may be liable for your willful non-compliance. 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. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I bought several thousand dollars in American Express Gift Cards ( XXXX XXXX XXXX XXXX in XX/XX/2001. I received the gift cards directly from American Express unopened by mail. However, there are fraudulent charges on several of the cards ( e.g. ~ {$90.00} of charges, ~ {$97.00} of charges, and ~ {$50.00} of charges on three {$100.00} AMEX gift cards ). I also gave some gift cards away as gifts and several receipts reported that there were fraudulent charges as well. Overall, this has been a nightmare experience. I reached out the American Express to dispute the charges and get a refund. However, they claimed that refund is not possible and you must contact the merchant direction ( which is not a reasonable solution particularly for {$100.00} gift card ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: CA
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 rights under the fair credit reporting act my rights were violated in the following ways ; withholding notices, privacy violations, requesting report for impermissible purposes, failure to follow proper debt disclosure procedures, furnishing and reporting inaccurate information, furnishing and reporting old information, and mixing files.etc. 
I disputed accounts that are fraudulent and they were not deleted and deemed to be accurate which is not the case because they were opened up fraudulently which I already notified all credit reporting agencies several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The first of this year when I was trying to get a house I became aware of this account with CBNAXXXX XXXXXXXX. I disputed with the credit bureaus but it came back verified. I couldn't believe it. I filed a FTC identity theft report because I knew someone used my information without my consent. I called the bank that issued this card and they notated my account and said they would mail a fraud package. This was XXXX months ago. This company continues to report this account even after I submitted my identity theft report and all XXXX  bureaus. Because of this account I'm unable to close on my dream house. They are aware of the fraud and yet continue to report it to the credit bureaus. I do not owe the balance their attempting to collect because the charges were unauthorized by me because of the fraud.This is a violation of my consumer rights and is wilful non compliance of the FCRA 605B, FDCPA, and FCBA. I state this record of the improper handling from this company and request an investigation. Last 4 of SSN 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 2020-03-12
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened the account months ago and have been electronically depositing money into the account. However it isnt letting me take money out. I have spoken to 3 separate departments on several occasions and none of them have been able to identify why there is a hold nor have they been able to lift the hold. I have not had voicemails and promises to call me back fulfilled. I have several thousands of dollars in the account. They can not close my account due to this hold. I dont want this bank account anymore, it is so much hassle. I am worried they will keep my money.

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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on Transunion 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( 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