BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
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: Investigation took more than 30 days

Complaint:
Almost 2 months later and I havent seen my credit disputes addressed by Experian, XXXX XXXX and XXXX. This is a violation of thier timelines and is putting me and my family in financial distress.

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 2020-02-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi My Name is XXXX XXXX, I have a checking account with Citizens Bank ends in XXXX, I had submitted payments for my county taxes, XXXX energy payments, phone bills, internet bills, utility bills, all payments were rejected by the bank for no valid reason, when i went to the bank i was informed that there is a freeze on my account, I'm not a party to any pending legal lawsuit, I'm not a party to any garnishment or forfeiture, the bank manager at the XXXX XXXX XXXX refused to disclose any information to me, treating me like a criminal for no reason other than being arabic and a female simple and clear.she said she said she would need my lawyer so she can tell him whats going on. 
The next day i went to the branch with an attorney, to make it short, the bank still declined to release info other than a phone # to call. 

the lawyer told me he cant do anything other than suing the bank because what they are doing is completely illegal, so he advise me to try to report this to CFPB to see if they can help resolve this issue because it is a mere violation of anyone rights. 

I would like this incident to be investigated, i want copies of any documents in teh bank possession in reference to this matter, I wont release the bank from any liability and damages that occurred to me as a result of their irresponsible action, the bank has a duty to investigate any allegation, and can only act upon an order from the court, which appears to be NO VALID court order to do what the bank did. 


P.S NOTE : I reserve all my right to file separate civil action against Citizens Bank, for breach of duty, violation of FCRA, Discrimination based on religion and ethnicity, and intentional infliction of emotional distress. 


Unfortunately I have NO DOCUMENTS to attach since the BANK REFUSED to give me any piece of paper.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
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:
XXXX XXXX XXXX, and XXXX keep reporting charged off accounts on my credit file for experian as past due with recent past due payments and XXXX  is changing the balance due. both companies are also reporting new dates for past due balances when the accounts are charged off. i also sent in a police report and ftc id theft report to have those accounts removed from experian. i know this violates the fcra and i need those companies to remove those accounts from my experian credit file. this is illegal and it is preventing me from getting a new home. experian needs to remove those accounts also.

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 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE, THEY ARE NOT MINE AND I WANT THEM REMOVED 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 explanation
Consumer complaint received 2021-04-26
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: Investigation took more than 30 days

Complaint:
I recently wrote you on XX/XX/2021 in regards to erroneous items on my report and I have yet to here back from you. It's been well over the 30 days, and as stated in Section 611 ( a ) of the FCRA, failure to investigate disputed items within 30 days leads to deletion of items. I'm looking forward to these disputed items to be deleted immediately or I plan to file litigation for the XXXX that's been caused against me. My information was also impacted by the Equifax Data breach, and may have got into the wrong hands and person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD
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'm less than 24 hours overdue and being charged a late fee, attempted to reach Customers support on several occasions upto 2 weeks before my payment due date, with every call being rejected or my calls were dropped, called capital one just now and the guy got hostile and threatened more charges and would not help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: NRA Group, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received repeated phone calls from this company and have ask them numerous times to stop and they won't

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 2021-02-16
Company: Experian Information Solutions 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:
On all 3 credit reports they have me 30 days late on XX/XX/2020 however, XXXX XXXX XXXX XXXX XXXX all 3 credit bureaus XXXX XXXX that it was their error due to updating their systems. The XXXX late pay was removed for a couple months but came back after it was corrected for the 3rd time. I will attach proof of the error from the lender and XXXX investigation would not followed and XXXX XXXX sent letter proving i was and have never been late. The card holding company is XXXX XXXX XXXX but the credit card is XXXX XXXX and XXXX  has that account listed twice on my report with the old account which was updated with 30 date late payment in XX/XX/2020 and the new account number which is accurate after XXXX XXXX went to a 16 digit credit card number versus 12

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 2021-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off my auto loan on XX/XX/2021 as required. The payment I submitted was before the 30 day mark because I was told I needed to pay it in full. However, on XXXX XXXX, I received an alert from XXXX that Capital One noted the account as 30 days overdue which caused my credit score to plummet 24 points. I reached out to Capital One and XXXX but no one wants to rectify the error. I was not late but Capital One marked me as late. The investigation by XXXX said that they updated the account and the account was accurate but this is not true because my pay status currently shows the account was paid, closed and was 30 days past due. XXXX states the Original Charge Off was updated although there should have never been a charge off. Per XXXX 's product, this error has caused my score to drop. XXXX is not acknowledging their own credit reporting products and if they are useful tools to the consumer, XXXX should be able to assist the consumer. This has affected my ability to secure a better rate as I start the homebuying process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Loan estimate or other related disclosures

Complaint:
Hi! I am a real estate agent. My buyers applied with XXXX XXXX at OVM Financial powered by XXXX XXXX XXXX XXXX on XX/XX/2023. We ratified on a home on Sun, XX/XX/XXXX. My buyers formally asked for an official Loan Estimate to be emailed four times over the past 3 days. 

The loan officer XXXX XXXX ( XXXX : XXXX ) and his superior the VP of Sales XXXX XXXX ( XXXX : XXXX : XXXX ) both refused to supply a loan estimate because they didn't want their clients to use the loan estimate to shop around for a better deal. This is a basic consumer right, especially in this environment of high interest rates. 

XXXX called and texted my clients promising he could be the best deal, but refused to actually put it in writing after several requests. Eventually, he point blank refused to work with my clients after they had already completed their application. This is beyond unprofessional and demonstrates a serious lack of transparency. He is asking for trust from his clients without being forthcoming himself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAVE COME ACROSS SOME NEGATIVE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I DO NOT KNOW OF ANYONE WHO WOULD HAVE BEEN ABLE TO DO THIS TO MY CREDIT. I AM A VICTIM OF IDENTITY THEFT AND I AM ASKING THAT AN INVESTIGATION TAKES PLACES SO THAT THIS MATTER CAN BE RESOLVED. PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2023-11-07
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: CBC Companies, Inc.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Factual Data, from XXXX Georgia pull my credit report without my consent, it show up on my credit report! I have never had any sort of contact with this company I live in NY I have no business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a letter from a collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX ) telling me owed Paypal {$2200.00}. I never received any communication from Paypal about this at all. I checked my Paypal account, and there is nothing in it to indicate that I owe any money. I only used the account every once in a while to pay for something with a credit card. My account wasn't even hooked up to a bank account. Upon calling Paypal ( I spent over 4 hours on 2 separate calls ) I learned that there was an account with my name that owed the money. I learned the email address on the account was not my email address. Upon speaking to the collection agency, I learned that they found my mailing address from sources other than Paypal, and that the phone number on the account is not my phone number. Paypal refused to resolve this issue. I explained everything to the collection agency and was told everything should be fine. I closed my Paypal account ... though I'm not sure they really let you close it completely. I never got any resolution from Paypal. They transferred my from department to department where I spoke to people all over the world ... but no resolution. Companies should not be allowed to do this to people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: WELLS FARGO & COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Wells Fargo Bank is reporting 2 fraudulent accounts on my credit reports. I have disputed these accounts several times and they were removed from my credit report. Wells Fargo is now re reporting them and is refusing to remove them. I have sent supporting documents proving these are fraud. They sent me documents claiming I made purchases the suppose signatures are not mine and or no where near my Signature!!!! I am able to send in documents showing my signature is totally different! I have sent police reports ID THEFT AFFADVITS and FTC complaint forms. Wells Fargo is not working with my at all in trying to resolve this matter. The following are the accounts that are fraud. 
1.Account Name WF BANK NA Account Number XXXX Date Opened XX/XX/XXXX 2.Account Name WF/XXXX Account Number XXXX Date Opened XX/XX/XXXX They need to look at the signatures because the signatures do not match mine.

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 2021-10-26
Company: State Collection Service, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received text messages from " State Collection Service '' saying they were a debt collector. On XX/XX/XXXX ( phone # : XXXX ) there was a link in the text message that wanted me to enter my zip code, I ignored the message after doing some research realized this was a fraud. On XX/XX/XXXX ( phone # XXXX ) sent a text claiming they had a " notice from State Collection Service '' and to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
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: Investigation took more than 30 days

Complaint:
sent a letter out XX/XX/XXXX to XXXX, transunion, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I want the CFPB to publish this description on XXXX so that others can

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 2021-04-27
Company: EQUIFAX, INC.
State: VA
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:
Im submitting this complaint against XX/XX/XXXX, Equifax, and XX/XX/XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Coinbase, Inc.
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
COINBASE.COM I have been trying to get COINBASE to help me access my account for months.

The problem is the 2-step authentication does not work Their solution is always to sign in to my account to fix it ... .BUT I need 2-step authentication to sign in.

I have started the process 5 times, they say they are sending my case to an expert, then I never hear back from the expert ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
sent a letter out XX/XX/XXXX to XXXX, XXXX, and Equifax. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I want the CFPB to publish this description on XXXX  so that others can

Company response to consumer: Closed with explanation