BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: OH
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 summited a complaint oXXXX XXXX about some improper information reporting in my credit report. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below including my personal information. 
Correct Personal information : Full Name : XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, OH XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. Also I uploaded my a picture of my DL and the credit report showing the inaccuracies.

**List Accounts Must be REMOVED** XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
To Whom It May Concern, I signed up for a capitalone business card on XX/XX/XXXX last year. The reward was to spend XXXX in 6 months to receive {$2500.00} bonus and a {$500.00} bonus. I spent XXXX in 153 days however I was told that my 6 months ended on XX/XX/XXXX not XX/XX/XXXX ( which is the date thats actually 6 months later ). I didnt even receive my card until XX/XX/XXXX or at least 3-5 days later.. I filed a complaint with the card and the manager on the phone agreed with me and said that there is nothing in the fine print that would be preventing me from receiving the reward. I then received an email Ref # XXXX saying I didn't spend the money in the correct amount of time. Well I was given only 153 days. not 180 days. This seems quiet misleading. it should have been until XX/XX/XXXX. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-16
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a long time customer with Wells Fargo for over 11 yrs now. I was with this company before but I left and I couldn't recall why I left but now I do. The poor cmer service and lack of professionalism. Today I went to deposit {$500.00} in the ATM and jammed occurred. I input the amount I deposited which was ( XXXX ) XXXX XXXX  bills. The atm stated that it would credit my account XXXX and it would take two business days to review. I immediately became very upset and contacted customer service. I requested to speak with a supervisor. The supervisor by the name of XXXX stated she would get me on the line with someone that can help apply a temporary credit after I explained I needed the money for utilities, gas, and food. As well, as with no money I have no way to get to work that I'm scheduled to work the next three days. She transferred me to a department that was closed. I called back three different times and no help. Called back to file complaint spoke with a representative who did not listen, was very rude, and kept basically telling me " Oh Well ''. Wells Fargo is absolute worst!!!! Why would you have a department that is not open on the weekends that handles these issues. That's like saying you only have issues Monday thru Friday. I need to my money corrected, I need to be compensated for time missed as work since I have no gas to get there. Any fees I occur or penalties need that credited as well. This is the 2nd issues I have with this company in the last six months. Between XXXX they allowed a scammer to take {$700.00} from my saving account and did nothing to assist me with getting my money back. After seeing many of the complaints and the constant discrimination, just wondering if I was of a different race with the same issues would the results have been different. There needs to be ( another ) investigation opened to review the practices and policies. I need my {$500.00} the ATM stole from me and I need my {$700.00} the bank allowed XXXX Scammer to take from me

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 2023-01-10
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I signed up for the Paypal XXXX XXXX. To date, I have received only 4 statements. Every month other then XXXX, I have made large payments to keep my balance down. The first month the payment was just under {$300.00}. For both the second and last statements, I paid {$300.00}. Both times my available credit was reduced by the amount of my payment, so I didn't have my full balance available. Currently, paypal shows I only have {$7.00} available credit and a balance of {$190.00}.??, which totals only {$200.00}, yet my credit limit is {$500.00}. I am being penalized for keeping my balance lower. They are claiming out of character, but the attached statements show that isn't the case.

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 2021-06-29
Company: DISCOVER BANK
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In the response from the XXXX stated that I offered to pay to the delete never did say that maybe you should listen to the recorded call, I asked did the company offer a pay to delete never did I offered to pay the debt or agree to the debt. Your company is providing false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: EQUIFAX, INC.
State: NC
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:
I travel a lot because I am a XXXX XXXX. I try to make sure my information is secure and safe but it has still been compromised. For the past 8 months I have been submitting in disputes as well as calls to Equifax about the fraudulent data they are reporting on my credit report. One thing that really irritates me is they report fraudulent accounts/data but fail to list the name and account numbers of the accounts which makes it hard to dispute. I have had to do a lot research to gather the information. 

Anyway- I have enclosed a copy of my police report that was filed. I have also had the police report notarized and I have included the police captains business card in case anyone has any questions. I have 4 fraudulent accounts on my Equifax credit file and unanswered/unknown inquires that have been posted to my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: AMERICAN EXPRESS COMPANY
State: OR
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:
Someone else tried to open XXXX credit cards so far and they are denied due to my XXXX XXXX. I've reached out to banks and credit companies The banks are XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX American express XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Refinanced my home in XXXX, company I dealt with immediately sold my mortgage to ROUNDPOINT ... .. ( why are we given no choice who we do business with? - why are mortgage companies allowed to sell/swap mortgages to whomever they please? ) In XXXX, I opted out of Escrow & my payments went from {$680.00} a month to {$480.00}. Significant Reduction! 
During that process, I found out that ROUNDPOINT & I am sure others, are allowed to overcharge, what they call " padding '' for Escrow funds you borrow from them. ( Why are they allowed to over collect? makes payments Higher than necessary & its more work- they collect too much all year, then refund back, then do it all over again - I am assuming its financially advantageous, otherwise they wouldn't do all that processing ) XX/XX/XXXX - My ins lapsed d/t finding coverage difficulties, thus Mid XXXX I received a letter that I had forced placed Insurance & the policy was BACKDATED to XX/XX/XXXX. ( How is this allowed? Backdating Insurance for anything else is fraud/illegal? ) My escrow was analyzed & my payments went back up to {$680.00}. By XX/XX/XXXX I had my own policy and in XXXX depleted my little savings & sent in funds to cover what I owed in escrow. 
From XXXX forward, because my actions went " outside '' the computer automation process, I have been trying to straighten out my account. 
I was finally told, today, that even though my escrow balance is XXXX & my insurance renewal isnt until XX/XX/XXXX, I am no longer eligible for escrow opt out and ROUNDPOUNT is allowed to collect for escrow funds from this point forward thus increasing my payment to {$680.00} & padding their escrow account. ( Why are borrowers forced to pay Escrow if nothing is owed? - the point of escrow is to " borrow " from the Lender- in my case, I am now paying in advance! No borrowing ) I now have no backup savings which I would NOT have sent in had I been told that one sentence from one person @ ROUNDPOINT months ago. Should I default on my larger payments, it will get me into a deeper financial hole due to ROUNDPOINT adding more fees, Lenders set you up for failure - LOAN SHARK TACTICS ON A CORPORATE LEVEL -- - Lender laws, rules, regulations, requirements & obligations need revised,,,,, borrowers count on our government entities to protect & advocate for us, its not happening, change is needed

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
When I went to check my consumer report I noticed There were accounts that I had no knowledge of the accounts were XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never done any business with these companies.

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 2022-10-07
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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX is not reporting if this account is open or closed. 

That is rediculous!.

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 2023-09-12
Company: Bull City Financial Solutions, Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently received a copy of my credit report and found several accounts that were opened in my name. I believe that I may be a victim of identity theft. This account was not opened by me or opened with my knowledge or consent. I did not use this account or even know that it was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: DC
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 there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: HI
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:
Under the FCRA, the burden of proof lies on, XXXX Equifax you are the one allowing fraudulent information to report on my credit report. Im entitled by the Fair Credit Reporting Act ( FCRA ) to request the credit bureaus to substantiate it, and if found to be an error, remove it. The Federal Trade Commission ( FTC ) allows consumers to access the FCRA to learn more about their rights when it comes to their credit report. Payments reported late when they were not late. 15 USC 1681b Permissible Purpose Thank you for following the ethical standards set by the FCRA and removing these late payments. I call, XXXX, Equifax and someone was cursing and swearing at me. Laughing in the background.Here the Steps 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau XXXX, Equifax each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters., XXXX, Equifax are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. 3 .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email, Equifax, XXXX CEOs as last resort before I Sue them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached 3 FTC report with fraudulent inquires

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 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below by law credit reporting agencies are required to report up to date and accurate information i have attached my report showing all innaccurate information, including XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-14
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:
This is XXXX XXXX submitting another CFPB Complaint too follow up the fist complaint XXXX previous ; y submitted on XX/XX/XXXX. I sent a letter on XX/XX/XXXX addressed to the Credit Reporting Agencies to remove the disputed Fraudulent accounts and information that are completely UNKNOWN to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. Once again, please remove the following fraudulents accounts and information completely from my Credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: GA
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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX : {$400.00} XXXX XXXX XXXX : {$490.00}

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 explanation