BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 XXXX  Account XXXX Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2023-07-18
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
In XX/XX/XXXX I booked a flight from XXXX to XXXX  through the Internet. At that time, I was offered a {$300.00} credit and XXXX miles if I opened the XXXX American Express card. I would not have opened a new card were it not for the promised perk as I have multiple cards that would have given me a smaller rebate. I assume that Amex would have checked my credit and were aware that I have 2 personal American Express cards that I use infrequently. I was sent the customer agreement but I was never told that I did not qualify for the perks promised. Nor was there any information sent to me showing the disqualification. I believed I am entitled to both the {$300.00} credit and the XXXX frequent flyer miles that were promised. After 3 calls to customer service these have been denied by Amex. To me this behavior is fraudulent as it would have been easy for the company to inform me prior to using the card that I did not qualify for the promotion. Contacted first XX/XX/XXXX and second time XX/XX/XXXX and third time last week

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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: Reporting company used your report improperly

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27
Company: EQUIFAX, INC.
State: NJ
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 have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit. 

XXXX XXXX, XXXX XXXXXXXX

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 2019-03-31
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Attempted to get Credit report from Equifax. However they can not give it to me since I do not know anything about 3 debts that I never took out and no other credit report has asked me for. Specifically these are : 1. A student loan in 2016 ( I was XXXX at the time. A simple date check in their system should prevent this ... ) 2. A home loan at XXXX  ( I do not own a home, I actually lived with my parents at XXXX   and was a dependent on their taxes ) 3. A installment account at XXXX ( I have never opened or heard of such an account type until now ) Since they are the private version of the XXXX   social credit score they do not have niceties like customer service or the ability to protest beyond this form. So here it is.

They want me to send my personal documents in the mail to them. This is not free and in violation of the credit act that requires this information to be available to americans once per year. Unlike XXXX ( which does not have bad info and is in compliance ) you can not dispute the credit report verification if all the information is incorrect ....

Personally after going through this experience I feel that the american dream of freedom has truly moved to XXXX Sadly I can not emigrate there coming from XXXX  and all.. : - (.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am using Webster Bank for my XXXX XXXX Account. I have been submitting receipts/transactions online in the mobile app. Webster Bank then lists the transactions multiple times and would allow me to " pay '' the same expense multiple. If I had the expense paid multiple times it would be a violation of the US Tax Code as this is a tax favored account and only " qualified medical expenses '' are tax free. An reimbursement in error would not only create a taxable event, but a penalty by the IRS as well. 
I have tried to call and told the same thing. It is because I am using my debit card ( Webster Bank ) and then submitting online. I told them that is not true and it was verified. I was then told, it was my insurance company submitting claims as well as me. I also confirmed with them, this is not true. I have provided screen shots of the double transactions. I also noted that I purposely mis spelled items to prove they are my transactions that are being logged twice in the system. After several calls and emails it was escalated and then several days after the telephone agent confirmed that it is not debit card or insurance company dual submissioins someone called me today and said the same old thing, that I am using the debit card and then creating a duplicate submission. This is simply not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I recently received an email from coinbase letting me know know that my account may have been compromised and that I needed to update my password and such. I proceeded to do just that, but when I tried updating my password, it would not allow me to. Not only that, but I could not get into my account at all. I called that same night and inform them of what I was experiencing and they advise me to lock the account, which I did. The lady on the phone told me I would not be able to get back into my account until 24hrs after they send me a password reset link to reset password and upload some documents to show proof it was me. I did just that. The next evening I got into my account only to find out that almost all my assets were transferred -- I was hacked. I had over {$500.00} but was left with XXXX. I asked them what happened and they told me someone got ahold of my login and stole them -- also purchase {$300.00} bitcoin using card on file. I was advised to reset my password again, which I did, but they could do nothing to get my assets back. The next day I went back, additional assets were taken -- now left with {$17.00}. I inquired and I was told I should have made sure I secured my account and nothing can be done. Also, am now not able to trade because they want me to make a payment because the hacker tried making another purchase and it didn't go through, so am barred from trading until I pay for it. I was not offered any kind of help or solution -- just that nothing can be done and it's all on me -- even after they told me I was all set and secure after resetting my password and performing 2-step verification. This is second time I've had issues with coinbase where I was locked out of my account for months after someone tried hacking my account back then as well. They did not do anything until after I filed a complaint with XXXX  so am hoping they will do something after this complaint as well. The company failed to respond either to you or the XXXX XXXX XXXX to the complaint filed, and so the XXXX has closed the complaint. They referred me to you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: SLM CORPORATION
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My daughter found a co-signer and went out and got a Sallie Mae loan for school. ( Because XXXX only gives {$5000.00} out of state for some odd reason. ) She borrowed {$78000.00}. {$39000.00} each year. 
We have paid over {$30000.00} on this loan. Even so, her debt now is basically up to {$100000.00}! 
Now that she has graduated, her payments have gone up to {$1200.00} and change every month. 
In XXXX when the payment was made, the debt had gone up to {$98000.00} because of interest. 
In XXXX when the $ XXXX payment was paid the debt now showed {$99000.00}! 
Daily compounding interest. An astronomical interest rate! How is a young person supposed to climb out from under that kind of robbery? ( It feels like loan sharing ) Sallie Mae simply says oh well. Do the best you can. There is no effort on their part to help a student succeed. They set them up to default. 
My daughter has no problem paying her debt except in this circumstance. She doesnt make enough to cover this massive monthly payment. 
Is Sallie Mae being lawful? Ethical? Or is this a loop hole to consume and destroy? 
Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: MI
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:
Equifax did not follow best practices for cyber security, and made my private information public. Equifax then tried to profit off of their mess up by adding different products they sell on their page. Despicable practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Late payment reported between me and lender XXXX XXXX XXXX. Late payment date XX/XX/XXXX, and XX/XX/XXXX. I asked company to send correspondence company sent nothing just reported late payments.

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 2019-01-23
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hello, I'm Moneygram International costumer. Would you sent this message to Moneygram International Financial Department because I can not find their email address. Please! 
I just notify them that I never received the refund back transactions I made in XX/XX/2018, XX/XX/2018, XX/XX/2018. I canceled those 'cause the receiver no longer needed money. 
XXXX XXXX ref No : XXXX Amount : XXXX $ and XXXX XXXX Ref No : XXXX amount : XXXX $ XXXX XXXX Ref No XXXX Amount : XXXX $ Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: National Debt Group of NY
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I am a certified XXXX XXXX working for a non-profit. Over my years spent XXXX clients, I have witnessed several clients, especially seniors, being taken advantage of by XXXX XXXX XXXX. They do not explain the terms of the contract in terms that the consumer can understand. I often see that they allow their accounts to fall seriously past due before they even contact them to notify them of the client 's enrollment or to " negotiate '' a settlement. 

From what I gather, XXXX XXXX XXXX takes money directly from their checking or savings account, and holds it in an escrow account until there is enough to " negotiate with creditors '' Meanwhile, they let the client 's credit accounts go delinquent for several months or years, thus destroying their credit. I imagine they do this to condition the creditors to accept settlement easier. In the case of seniors living solely off social security, National Debt as well as the creditors know that they can not garnish those types of earnings. It also seems that they only pay one creditor at a time. I called several times to get information on how exactly they use they money they receive from the client to pay their various creditors, and did not get any answers. The reps I spoke with directed all of my questions to their website. 

I have called the company to have the terms and service works. It is incredibly high pressure and incredibly difficult to get clear answers from direct questions. They are very good at " spin ''. 

Also, they claim to be very well reviewed and highly rated with the XXXX. After several internet searches, it seems like the reviews are incredibly polarizing ( love or hate ), without middle of the road reviews. One site either has all rave reviews and others are all negative. The language used in the reviews is incredibly repetitive and there are very few spelling or grammatical errors contained within the positive reviews.This is a major concern because it is my belief that many of these " great '' reviews are in fact false, fraudulent, do not pertain to the services they specifically offer, or are paid content. It seems that the reviews are sometimes reflective of the customer service they received on the phone, but not to the entirety of the debt relief services. The ability to control the market through carefully manipulated internet analytics is a growing concern to all consumers and needs to be addressed immediately.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-08
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14
Company: CITIBANK, N.A.
State: CA
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:
To The official of Consumer financial protection Bureau From XXXX XXXX XXXX XXXX DOB-XXXX XX/XX/1992 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Complaint on my consumer CITI BANK Hello Sir/Madam I was facing credit reporting issue with my bank from the month of XX/XX/XXXX. They are not updating my credit info to the credit bureaus in any of the 3 bureaus. 
( In the month of XX/XX/XXXX, I have 2 fraud transactions in my citi credit card ending with XXXX which I was using from 3 years. So, I requested the CITI BANK to replace my card for security reasons. So they replaced my card ending with. After replacing the card, my credit score was not updating so I raised a dispute with XXXX to update my credit score .So, they requested the Citi bank about my dispute. So, they removed my CITI account from all the credit bureaus which have 3 years of credit history. After removing my old account, they dint update my new card details with 3 years of credit history till now i.e XX/XX/XXXX to XX/XX/XXXX. This action ruined my whole credit history showing that there was no credit history on my name resulting in declining for my car loan, bike loan, house lease. Major issue was as whenever I apply for something connected to my credit score, all are rejected due to this act. 
I spoke to bank authorities in the last 5 months but no result on my account. I even raised disputes in credit dispute department. I got reply mails saying the my info was updated please give 30 days to reflect on my account. But it was never updated till today .I Hope you will understand my situation of staying in USA without credit score even though if you are maintaining credit score from 3 years. I cant even buy a CAR due to this action taken by CITI. 
I ATTACTHED ALL MY DOCS AS A PROOF OF MY ISSUE BEING ADDRESSED TO THE CITI BANK FOR ALMOST 10 TIMES.I ATTACHED COMPLAINT LETTERS TO PRESIDENT OFFICE, DISPUTE LETTERS, REPLY MAILS, MY CREDIT REPORT SHOWING MY ACCOUNTS. 
Please help me in this to get my score updates with compensation on behalf my 5 months loss. 
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