BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
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:
Late payment by XXXX for months of XXXX, XXXX, XXXX XXXX Showing 60 days late is incorrect! Please verify this information as not valid all accounts!

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 2021-04-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on 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 and a public record USBK COURT XXXX ALABAMA XXXX XXXX As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue. I have also attached a copy of my current driver license please update my current address to XXXX XXXX XXXX, XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: EQUIFAX, INC.
State: IA
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:
Fraudulent inquiries outside of XXXX  XXXX from XXXX XXXX XXXX XXXX XXXX  XXXX  from XX/XX/2020 and XXXX XXXX XXXX  in XX/XX/2020. The bureaus have refused to remove these even after several disputes and phone calls with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Genesis FS Card Services, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an Indigo credit card by Genesis FS. Ive had the card for one year. The minimum payment has been {$40.00} every month. I have not used the card since XXXX. They added a {$99.00} annual service fee in XXXX. The limit is {$300.00}. The balance is now {$360.00} bc of their fee. The minimum payment went from {$40.00} to {$100.00}. The people in XXXX are telling me I overdrafted the card bc its over but its their fee. The minimum should still be {$40.00}. It should not skyrocket to {$100.00} because of their annual fee. I asked the guy in XXXX if I just pay {$68.00} to get the card under the limit will that work but I dont want my credit report being hit with a late. HE DIDNT KNOW WHAT A CREDIT REPORT WAS. This is absurd. How is that possible? This is predatory. They shouldnt be able to do this to people with bad credit, who are their clients. Im trying to rebuild my credit. They shouldnt be allowed to do that and they should have people working for them with basics knowledge of how credit reporting works. Ive attached my balance statement. The payment history of {$40.00} a month and the {$99.00} annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Experian Information Solutions 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:
I started my disputes with experian back on XX/XX/2020. I put in a dispute for a XXXX account, a XXXX XXXX, and XXXX  XXXX XXXX. These accounts were reported " Verified ''. Previously to this i had reached out to these companies and they were not able to provide me with any information on either of these accounts.I reached out to all three bureaus to investigate why these accounts were showing on my report and I asked each company to investigate this matter. XXXX  and XXXX  notified me within 30 days of their investigation that they could not get any information either and the 3 accounts were deleted from my file. I filed the same dispute in XXXX with experian and as I stated above it came back suprisingly " verified and reporting accurately ''. I found this to be unusual so I requested information from these companies that I was informed by the FTC commission ( I wrote it down ) that under section 611 ( a ) ( 1 ) ( a ) and 611 ( a ) ( 7 ) I could request the original documents that they had on file from these companies and the results of investigation ( section 609 ( a ) ( 1 ) ( a ) which I still have not received. These accounts are still reporting from experian and no one has given me any documentation of what I asked for. I received a response today XX/XX/2020. That under section 611 ( a ) ( 3 ) ( a ) they could not honor my request. I was very specific in my letter and what I asked for. I spoke with a rep and he told me that I was not allowed to ask for that information and that they did not have to provide it and that I must go to the creditor and ask for it. I did that back in XX/XX/2020 and was unsuccessful. Because they did not provide me with the requested documentation section 611 ( 5 ) ( a ) says that it has to be deleted. ( Yes I read this information provided by the ftc ). I refuse to be deceived in their tactics to not properly do their jobs. How can 2 bureaus find nothing but experian says something different? If the creditors reported the accounts to all three then they should have all been given the same information and removed from all 3 bureaus.

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 2023-02-01
Company: Experian Information Solutions Inc.
State: OK
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX Credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$27000.00}

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 2023-02-11
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-06-19
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company CBE Group is reporting a debt of {$290.00} from the original creditor XXXX XXXX. This debt was originally falsely reported by a previous company, XXXX XXXX XXXX, in the amount of {$160.00}. The debt amount has not only increased but is not valid. The original debt was deleted XX/XX/2016 from all credit bureaus due to it being a invalid debt. I have not received any communications from CBE group. This debt has already been disputed and deleted through the previous collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Yesterday, on XX/XX/XXXX, I received two emails from Capital One. The first email indicated that I had a new enquiry in my credit, and the second one was an approval for a Capital One card. In response to this, I promptly contacted Capital One this morning, and they assured me that they would investigate and resolve the issue. I also took the initiative to reach out to XXXX, which is the credit bureau associated with this card. They confirmed that they had canceled the request and placed a fraud alert on my credit report to prevent any unauthorized activity.In addition, I got in touch with XXXX, and they successfully removed the request associated with the Capital One card application from my credit report. 
However, when I contacted XXXX, they advised me to create a report here and send some specific information to them via a letter. My primary goal is to have the request from Capital One on XX/XX/XXXX completely removed from my credit report to prevent any negative impact on my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: VA
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:
Subject : Complaint regarding refusal to investigate and remove collection accounts Dear Sir/Madam, I am writing to express my deep dissatisfaction and frustration with the lack of action taken by credit bureaus in relation to the unjust reporting of two collection accounts on my credit report. Despite my diligent efforts to rectify this matter, the credit bureaus have consistently refused to investigate and remove these erroneous items from my credit report.

The collection accounts in question are associated with XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have repeatedly requested proof of any contractual obligations between myself and this collection agency, but to my dismay, no evidence has been provided. It is important to note that I have no knowledge or recollection of any such contract, and therefore, I maintain that I am not obligated to this collection agency. 

Furthermore, XXXX XXXX has been inaccurately reported as an active account, despite the fact that it was actually charged off and reported to the IRS as a cancellation of debt. This cancellation of debt is clearly documented in my income tax records. It is both alarming and fraudulent for the company to have filed a cancellation of debt with the IRS, yet continue to report the account as active on my credit report. 

I kindly request that you take immediate action to investigate these matters thoroughly and remove these unjust items from my credit report. It is imperative that my credit history accurately reflects my financial responsibility and integrity. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate information on my credit report, and it is the responsibility of the credit bureaus to conduct a reasonable investigation into these disputes. I urge you to fulfill your obligations under the FCRA and ensure that my rights as a consumer are protected. 

I expect a prompt response within 30 days, as mandated by the FCRA. Failure to address this issue within the specified timeframe will leave me with no choice but to pursue legal remedies to protect my rights and rectify this situation. 

Thank you for your attention to this matter. I eagerly anticipate a swift resolution that will restore the accuracy of my credit report

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Due to your constant willingness to resit following FCRA and your choice to keep listening to the so called creditors. I am revoking your authorization to report the following accounts. Delete them immediately. They are closed accounts and the creditors have nothing more to do. I have a right to privacy and this order to stop reporting and delete is within my rights and directly concerns you the Credit Reporting Company.. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX This is to be done by a person immediately. Allowing some automated verified response is foolish and dishonest. An actual human needs to delete these accounts immediately.

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 2023-02-01
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hi, I am reaching out, because I recently just moved to XXXX XXXX for XXXX XXXX. I never had a Venmo account prior to this incident, and honestly would never use their serves again. I only created an account because i was told by other students, this was a method that one uses to pay bills. With us not having access to a XXXX XXXX, XXXX XXXX, XXXX, etc are very convenient tools. I sent money to the owners property manager for my current apartment. Venmo froze my funds and suspended the property managers account, when he tried to refund back the {$4000.00}. The property manager attempted numerous times to refund the {$4000.00} back. However, Venmo suspended his account and requested documentation in order to release the hold. 

The requested documentation was sent as requested, however the hold and suspension is still active. This is very strange to me because the property manager was only trying to refund my money back into my account. If he was trying to deposit the funds into his account and Venmo was trying to protect its customer by trying to insure the funds were going to the right person. Then, I could see a reason for the funds being placed on hold. Even if Venmo was trying to make sure the merchant paid taxes because he reached a certain limit. Then, placed the funds on hold prior to him depositing the funds into his bank account. I could understand that, but this is not the case because a serve has not been rendered. I truly feel robbed by Venmo. 

This whole ordeal feels odd, I never had a financial entity play with my funds like this. Venmo has two parties willing and waiting to return funds ( as Venmos return policy states ), and shockingly there is still a problem. Im frustrated and in disbelief, because no service has been rendered and Venmo has still held on to my money. The fact that I had to pull another {$4000.00} out my bank to pay my apartment deposit ( via another method ) has truly shown me I am not a valued customer. I am a XXXX XXXX XXXX who can not work because of the demand of XXXX XXXX So, to be having to be place in this position is unsatisfactory. Venmo has shown me the company is a fraud, they are not protecting their customers. If anything we need protection from it. I will be filing a complaint with the Consumer Financial Protection Bureau also, because no one should have to go through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On numerous occasions since opening a checking account in XXXX, SunTrust Bank changes the manner in which they manage your checking account so they can pad your account with fees. I most recently ( XX/XX/XXXX ), had a situation where my money covered everything that came through, yet they used their ATM fee to charge me a {$36.00} fee. I was told that they would not reimburse and came up with a new excuse. In addition, if you have overdraft, they will attempt to pull from it, even if you have nothing in your savings, then charge an additional fee for trying to pull from that account. I am on the phone with the bank almost every 2 weeks for some problem, and there is always a new excuse. I have never dealt with a bank that caused so much aggravation. I will be discontinuing my relationship with them. The online banking is horrendous and never accurate. They have a new answer for every incident. First, they say checks do not so there is no way to resolve any overages to avoid fees, yet a check I wrote was showing as pending yesterday. Again, I believe that they are padding accounts.

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 2021-04-03
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
I noticed these fraudulent inquiries on my XXXX credit report and I've disputed them several times with the company and XXXX  and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX/CBNA  XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX NA XX/XX/2021 CBNA XX/XX/2021

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 2023-04-07
Company: EQUIFAX, INC.
State: VA
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:
XX/XX/XXXX called XXXX XXXX they said that they will take the hard inquiries off. I talk to XXXX they said they would take them off. XXXX Didnt delete it something about more info an fil a cfb report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, 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: Information belongs to someone else

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. 

Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX EQUIFAX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX EQUIFAX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX EquifaxXXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Equifax, XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Equifax has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation