BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
FTC Violations please remove the accounts below : XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX. XXXX  XXXX Inquires ftc 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 2023-06-02
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
The problem is associated with Westlake Portfolio Management their are XXXX addresses associated with them ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX - XXXX and Westlake Portfolio Management XXXX XXXX XXXX XXXX XXXX California XXXX - XXXX, email address is XXXX phn # XXXX - XXXX - XXXX - XXXX and XXXX XXXX XXXX - XXXX An CFPD Complaint against them and unfair practices has already been reported about them on XX/XX/XXXX concerning credit cards the file ID is XXXX, on XXXX XXXX of their representatives told me that I had a debt of $ XXXX change from Account XXXX Contract # XXXX, that was transfered from XXXX XXXX XXXX, whom is no longer in buisness, I let the representative know that on XX/XX/XXXX I received a letter from XXXX XXXX Client Resolution XXXX that stated any missing or late payments had been removed and correct and accurate information was provided to the XXXX major credit bureaus,, also that on XXXX - XXXX - XXXX In a response to a complaint I filed against XXXX XXXX ( ID XXXX XXXX - XXXX ) with CFPB, XXXX XXXX XXXX has stated that the account associated with the XXXX XXXX XXXX XXXX was closed , payed off with a XXXX balance, I have also emailed Westlake Portfolio Management pictures on the letter from XX/XX/XXXX from the XXXX XXXX Client Resolution XXXX, a shared link to file ID XXXX - XXXX that shows XXXX XXXX  stating to the CFPB that I no longer owe any money at all on the account and it is closed with a XXXX balance, she then stated that I showed email them a copy of the XX/XX/XXXX letter, I spoke to another representative on XX/XX/XXXX that said they would look into the matter, they haven't responded back to me or explained why the account is still open after XXXX XXXX stated it was close in their response in ID File XXXX - XXXX on XXXX - XXXX - XXXX, I also requested a pay off letter by both mail and email fro. Westlake Portfolio Management concerning the XXXX XXXX XXXX Account # XXXX Contract # XXXX, In have not yet received any response, I will be provided them with all necessary information that proves the Account shouldn't be open and has been forfilled, it appears that XXXX XXXX has lied to the CFPB in the response on XXXX - XXXX - XXXX and or Westlake Portfolio Management is lying as well.

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 2023-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up for the Capital One Venture card because of it's benefits to use miles/reward points with partner travel airlines XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. ). 

When I try to use the " convert rewards to partner airlines '' feature, I am put into a XXXX loop that never works. When I click " Convert Rewards '' I am sent to a XXXX page that asks for my phone number. I then input my phone number. The system then tells me the number I have entered does not exist on my account. Even though the phone number clearly does exist on my account because I have XXXX enabled on login, that works just fine. When I try again, the system pops up an error that says call customer service and they will be able to fix my issue. When I call customer service ( I have called 3 times now ), nobody is able to fix my problem and I am told it is a " known issue ''. When I call customer service I am told they can't do anything to help me, don't offer a timeline for the fix, nor provide compensation for my flights increasing in cost while their software is broken. 

I believe Capital One is intentionally creating a " bug '' for users when trying to convert miles to partner airlines. All other travel reward functionality works just fine. XXXX works just fine on my login and other parts of the app. Capital One tells me to use their travel portal instead. Booking through their travel portal my flight is XXXX miles. Booking through the partner airline is XXXX miles. It would make a lot of sense that Capital One intentionally restricts this functionality as users get a much higher $ /Mile ratio sending miles to partner airlines versus spending miles on Capital One 's XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Block, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I received a cash app card with my address in the name of a minor child who previously lived next door to me. Her Mom passed away in XX/XX/XXXX. I informed cash app the first time this happened that the child is a minor and that the family has informed me that they are unaware of who is sending her money on the card. Cash app customer service investigated and cancelled the first card last week. I just received a second card on XX/XX/XXXX and asked if they could cancel it and block my address to stop anyone from ordering under my address and they said they could not. I asked for a supervisor or a manager since XXXX the customer service agent already had me hold a number of times during the hour long call to get his answers. I was told to send an email to customer service. I declined because of the severity of the situation where the child may be in danger of an adult sending her money possibly from some online predator who may be grooming her for a number of reasons like abduction etc. I was then told by XXXX to tell me they can not assist any further and to end the call, so he hung up as he was instructed. My concern is that I do not wish to have my address/information involved in any way with a situation involving any type of fraud or especially with a minor child who may or may not be in danger.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: MI
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 submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that the Credit Bureaus immediately remove these fraudulent items from my credit report with the Credit Bureausr firm, or provide me with the exact source where the Credit Bureaus received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX Balance Owed : {$0.00} - Previously Late/Open XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: TX
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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: PA
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 sent off my letter requesting an investigation on XX/XX/2023 via certified mail. 

According to the FCRA the term Investigate consumer report means a consumer report or a portion thereof and which information on a consumers character, general reputation, personal characteristics, or mood 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.

These accounts state different dates and amounts being reported and is not 100 % accurate. They stated that my accounts were 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 as stated. According to the FRCA 15 USC 1681 everything has to be 100 % accurate or it must be deleted by law. Below are a list of inaccurate accounts containing inaccurate information. I am requesting these to be removed permanently from my credit reports ASAP. 

1. XXXX XXXX ( original creditor ) / XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Pa XXXX XXXX XXXX **Same debt also reported on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX Acct # XXXX ( last 4 ) * Multiple inaccuracies reported on this collection file. 

XXXX. XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Ny XXXX XXXX. XXXX XXXX Bank Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: FL
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:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-07-31
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Debit card information was stolen and I had my bank account information and other accounts such as cashapp stolen. I filed a claim with Chase bank for multiple transactions. They denied one of my claims leaving me without XXXX XXXX They now have another claim for over XXXX $ and refuse to issue me provisional credit while they due their investigation. This is leaving my family and I without money for days now due to chase bank not caring for their customers. Very upsetting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
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 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-01
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XXXX XXXX a Unauthorized Device was detected on my coinbase login. I was alerted through my phone if it was me or not. I immediately confirmed it wasn't me and did a Verification check. At that point I figured I was safe but still changed my password. I then received emails that multiple crypto conversions was made to Bitcoin. I then reported it right away. Very soon after I notice that a all the conversions that the hacker done to bitcoin was attempted to be sent to another wallet. It was a pending transaction that was made after I confirmed my account was hacked and notified them. A couple hours late the transaction was successfully made. A Total of {$3400.00} I waited all night for a response from coinbase because I just didnt understand how after I click the link that it wasnt me from the Unknown device that a transaction was still able to be made by this device. They havent help me and all my funds are gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions 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:
XXXX XXXX XXXX is showing I have a {$10.00} current open balance for my XXXX account. However, XXXX is not reporting properly on a monthly basis to XXXX. What they are reporting is a XXXX balance and closed account. XXXX I've submitted disputes to all three credit agencies and thru Consumer Finance Protection Bureau and asked for an open balance letter from XXXX showing what is owed. XXXX finally sent me the letter. 

I've spoken to 4 different XXXX XXXX XXXX supervisors over the phone and no one could help me. I went to the XXXX dealership to explain the situation to the account manager. They immediately called XXXX XXXX XXXX- they could not rectify the problem. As of today XX/XX/22 XXXX and Experian still show that my XXXX account is closed. XXXX is finally showing the proper information that says " in good standing ''. 

This is severely hurting my credit score and causing a higher apr interest rate for the mortgage that I am supposed to close on next Wednesday, XX/XX/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 2021-08-01
Company: EQUIFAX, INC.
State: SC
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:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.

I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
CitiBank stopped granting me access to my account late XX/XX/2020. They closed the account on XX/XX/2020. When I called after the closure, an agent said Citibank would be sending a check out to me. Meanwhile I was never told why my account was closed. Ten business days passed, I still didnt get this check. I called agin, and also complained about not knowing why my account was even closed. I was then told that a letter as to why my account was closed will be sent out to me within 1-3 months. I asked if the check will be included, the representative couldnt say. I was like okay, the check might be included in the reason they will be sending. 3 months passed, I didnt get a letter nor a check. I called again, they said its been sent out to the address they had on file which was surely my right address. I said I didnt get nothing. They said theyll re-issue another one and should get it within 7-10 business days. The days passed again, and I still didnt get nothing. I called and this lady on the phone then said the account was closed because of the information they have on the account is not right that Id have to come to Florida to get it, because I live in Georgia and there is no Citibank branch here. COVID-19 was still on a rapid increase rate at this time. I was like it would be difficult to travel at this time. The person said they would file a claim and then get a check sent out to me. Basically, for the past 7 months Citibank has not given me my money and I kept on getting posted and posted. Now, I would like to take this up legally because Im fed up.

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 2022-11-24
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent XXXX a Cease and Desist letter dated XXXX XXXX, telling them to remove the negligent remarks they've put on my credit reports. Instead of taking heed to my request, they disrespectfully sent the entire letter back to me. XXXX does not get to harass and embarrass me. They need to follow the laws stated in us 1692j. I need to now how I can now be remedied since they have failed to comply? CFPB, please provide feedback as to how they will be reprimanded?

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 2021-08-01
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:
I XXXX XXXX, am a natural person, original creditor and federally protected consumer. EQUIFAX is reporting fraudulent, unvalidated, and misleading information on my credit report. I began disputing the fraudulent and misleading activity on XX/XX/2021. I requested validation of the accounts in question. EQUIFAX has not validated any of the disputed inaccurate information and is in violation of 15 U.S. Code 1692g ( a ) ( 1-5 )., EQUIFAX mislead me into believing that disputed items were accurate but failed to provide proper proof of accuracy pursuant to 15 U.S. Code 1681a ( e ). Furthermore I have a right to privacy as a federally protected consumer, and EQUIFAX is willfully furnishing information without my direct written consent. Under 15 U.S. Code 1681b it states that a consumer reporting agency may furnish a consumer report under the following circumstances ( 2 ) In accordance with the written instructions of the consumer to whom it relates. EQUIFAX is in direct violation of 15 USC 1681b ( 2 ) because I have not provided them with any written permission to report anything to my consumer report. I have sent EQUIFAX validation letters, cease and desist, and an notarized affidavit of truth that has went un-rebutted by EQUIFAX therefore it stands as truth and yet they have still refused to cooperate. EQUIFAX has caused me much mental abuse, mental anguish, and mental harm as a result of their fraudulent and criminal practices. I have tried multiple times to resolve this issue directly with EQUIFAX but they refuse to lawfully cooperate and insist on violating my rights as a natural person, original creditor and federally protected consumer. EQUIFAXS actions against me are not only misleading and harmful to me but also criminal and fraudulent and they should be held liable for their criminal activity.

Company response to consumer: Closed with explanation