BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: FL
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: Other problem getting your report or credit score

Complaint:
I have repeatedly requested that EQUIFAX provide me personal credit report. They have refused to provide this or release my credit information to me. I have included a copy of the letter that I sent to the credit bureau requesting my credit report as supporting documentation along with my copies of my personal identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My account has been blocked by Coinbase without any reason since XX/XX/2022. My fund is blocked and i can not trade or transfer my money. Initially after several times calling and emailing they said that they need my driver license which they already have it. I resent it to them. After few week and again several times calling and email, coinbase said that there are multile account under my name under different emails. I answered that I only have one account under my name and my email. The other accounts and emails does not belong to me. They have ny answred since more than a month ago despite severl times calling, emailing and chatting with them. They only say I have to wait till review is over. Homw many months this review is going to last. They have done this tbing to alot of people. They freeze, block, and some cases take people 's money from their accounts with out their permission. The have multiple class action lawsuit against them. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Harley Davidson Financial Services Inc
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
XXXX the HDFS manger called the XXXX police on me and filed a fake police report saying I was suicidal. Im a young XXXX man in Missouri this couldve gotten me killed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I received a late payment from XXXX XXXX XXXX because the lady I spoke to didnt speak English very well and we had a misunderstanding. I was calling during the peak of Covid and called to do a payment deferral. I thought the deferral was submitted but I didnt understand the lady had told me I had to sign something that she emailed me and return it. So not knowing I was supposed to sign the paperwork she emailed I received a late payment. I sent XXXX a letter explaining everything now Experian is reporting different late payments on the Experian website it says I was late XX/XX/XXXX. Its reporting late XX/XX/XXXX on XXXX XXXX Since its not reporting accurately Id request that all late payments from XXXX be removed from my credit report with all 3 credit bureaus. Thank you in advance.

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 2022-11-30
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with XXXX XXXX XXXX. They did not provide me with the original contract like I asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've been trying to clean up my credit. currently Citibank is attempting to collect a disputed debt through XXXX XXXX XXXX XXXX. I have requested validation of the debt including the contract and history/statements to show how the purported balance occurred and is calculated. I've also asked for the date of the last payment made on this account if any to show the date of delinquency and to determine if the statute of limitations has expired on the account. I have been unable to obtain any of this information from XXXX XXXX XXXX after multiple attempts so I am reaching out the Citibank for assistance.

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 2021-05-25
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  is reporting the account with CB/Vicscrt inaccurately on my report. Upon reviewing my credit report I did not recognize this account. I initially sent a request for XXXX  to validate the account, and send proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After 4 different attempts they have failed to provide me proof of this account. I have disputed this information four times on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and have given them warning that if it could not be validated, to remove it from my report or i would be filing a formal complaint. In addition the information XXXX  is reporting does not match the information reporting by the other credit agencies. I have gave them ample time and opportunity to resolve this issue before having to take the route of filing a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My dispute is with Delta Skymiles American Express.A vaction club in XXXX called me and asked me to sign up for a vacation club. I told them I needed to talk it over with my wife who wasn't home. They said no problem I could sign up and provide my credit card info but nothing would go through if I didn't send back the authorization form and a copy of my ID. After my wife got home we decided not to do it so I didn't sign anything and I didn't provide my drivers license. We got a call from AMEX a little later that night because of possible fraudulent activity. It was the company trying to put the charge through. I told AMEX that I did not authorize the charge and to not let it go through. I was told by AMEX not to worry that they would not let it go through. On my next statement the charge was there. When I called and questioned AMEX they said the company tried XXXX separate times and that they ( AMEX ) let it go through the XXXX time. The company then supplied forged documents to say that I had approved the purchase. AMEX has accepted the documents as proof that I authorized the transaction. They are also saying that they have not reviewed the recording where I was told the charge wouldn't go through because they say that doesn't matter. AMEX now says nothing further can be done - 9 months of waiting! I have included some documents to support my story as well as the forged documents the company used to support their story.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: CITIBANK, N.A.
State: TX
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:
There is an account in my credit report that i do not know as mine Macys/CBNAXXXX, i sent CBNA a debt validation debit and them didnt give me any answers about this account..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX accounts XXXX, XXXX and XXXX 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 an account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-10-25
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
RESPONSE TO FOLLOW-UP COMPLAINT XXXX First of all what you have concluded makes no sense & you contradict yourself. We had issues closing on our home because you FILED the HUD lien which was for XXXX & XX/XX/2020 that I did accept and paid you back in full on closing, but you never actually RECORDED it therefore no funds ever came from HUD and it still does not excuse you reporting NO DATA on my account for XXXX 2020 because I paid my mortgage in FULL and show the statements as proof & you never actually recorded the lien so I have no idea what you were waiting to process per HUD, XXXX & your own documentation that states you never recorded it because your paperwork was null & void due to having separate signatures VS combined. Again, I order you to report my mortgage payments I made in full for XXXX, XXXX, XXXX, XXXX, XX/XX/2020. 

ORIGINAL COMPLAINT XXXX I have shown PROOF that the credit reporting agencies show NO DATA when I made payments on XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2020. I took COVID plan for XXXX & XX/XX/2020 AND NOTIFIED YOU I NO LONGER WANTED IN XX/XX/2020 BUT YOU KEPT HOLDING ALL PAYMENTS UNTIL XX/XX/2020! I CALLED YOU MONTHLY TO REMOVE ME AND MANUALLY PROCESS AND APPLY MY MORTGAGE PAYMENTS, BUT YOU KEPT FORCING THIS PLAN ON ME. WHAT DONT YOU UNDERSTAND! STOP CALLING ME. I TOLD YOU TO EMAIL ME. I AM NOT PLAYING PHONETAG AND I WANT PROOF OF ALL CORRESPONDENCE SINCE YOUR PHONE RECORDS NEVER HAVE ANY " PROOF '' OF THE CUSTOMER 'S SIDE OF A SITUATION. I HAVE PROVIDED DOCUMENTATION TWICE. CFPB NEEDS TO ADDRESS THIS CORRUPT BANK. PLEASE REVIEW MY PROOF. THEY DID NOT REPORT MY ON TIME IN FULL PAYMENTS FOR 2020.

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: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been receiving daily or multiple times a day calls from Convergent Outsourcing , Inc . I was not able to determine who was calling me until today. When I began receiving the calls, from what is obviously a spiffed number and a non-existent area code, I called back to see who or what it was. I was asked, upon answering, if my name was XXXX someone. I replied no, and told them to stop calling my number. I told them I had no idea who the person you are trying to reach is. After stating this, I was immediately hung up on. I went through this three or more times over the next several months then stopped trying. The calls persisted once or twice a day and I even received one text. Today I answered the call and immediately asked to speak with a supervisor. I was instantly hung up on. I called back eight times asking for a manager or supervisor. I was variously told that he was in a meeting. He was unavailable. He would call me back if I provided my phone number. He would not speak to me unless I informed the agent what the reason for the call was, which when I provided it, resulted in being hung up on again. On call number 9, the agent who answered was a breath of fresh air acting professionally and putting me on hold to get a supervisor on the line. The supervisor was a woman named XXXX XXXX, Employee ID : XXXX. She addressed the issue professionally and assured me I would receive no more than two additional calls while the system removed me. Convergent Outsourcing violated my rights by continuing to call me repeatedly even after telling them multiple times they had the wrong number. When I called to correct them I was hung up on repeatedly. I want to file a claim for punitive damage. Can I do that at CFPB like I would be able to on the FTC website for unsolicited calls?

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 2023-06-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I do not recognize or understand how these accounts are reporting. Please remove from my credit report immediately. 

The inaccurate reporting is a volition of 15 U.S.C. 1681s-2 ( A ) ( 1 ).

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 2023-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXXXXXX XXXX XXXXXXXX  an individual claiming to be from XXXX customer service had me send {$160.00} via XXXX  thru capital one. This was done via my phone as they had me log into my checking account to verify it was me to settle a dispute with missing items via XXXX order. They had me download an app where they where able to take control of my mobile phone. I immediately called capital one that same day and file D a complaint with the Federal trade commission. They informed me they would investigate, which would take 10 days and I was admittedly told the funds of {$160.00} would be credited back to my account. Now they said no. I've been fighting with XXXX and capital one since XX/XX/XXXX with doors slammed in face via the phone. The same fake XXXX scammer also debited {$100.00} as they went jnto my XXXX account and placed a {$100.00} gift card using one of my credit cards on file with XXXX in my account payments. The funds that was send thru XXXX  thru capital one doesn't even exist and the number they called from was disconnected immediately. Please help.Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the credit reporting agencies didn't make sure it was reporting 100 % correct. 

In accordance witht the Fair credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate

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: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal get my money on my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Attached is full faith and credit from Secretary of the United States Department of state for name XXXX, XXXX XXXX XXXX XXXX. Please update and remind be all derogatory accounts from credit report. 

United States of America constitution 1787 Article I Section 10 Clause 1 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
As soon as I started a dispute with XXXX one day they called me and said Im not allowed to dispute the charges-even though XXXX left me as a XXXX stranded without returning home ; not returning my money and caused me to call XXXX  delivery service to get as drive home hoping with grocery I would luck out to get back home after XXXX distances to my cleaners several times. Several times I tried with XXXX but they failed me only in XXXX Illinois. Wells Fargo quickly said they wouldnt accept my disputes on them. Closed me, but also sometimes As for Wells Fargo after claim process promised me a refund on some other disputes they reversed pick up of my hundreds once account was closed. But had already sent me a promissory note to all for retrieval of money. Saying I was too late as I know they used me, barging me fees, and picked pocketed my disputes already jerking me with promissory notes with no outcome because the money wasnt going in the account. After they shut it down with a relationship with me only three months I was surprised at the intolerant behind. Behaviorally

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 2022-04-17
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: Account information incorrect

Complaint:
Attached is full faith and credit from Secretary of the United States Department of state for name XXXX, XXXX Dba XXXX XXXX. Please update and remind be all derogatory accounts from credit report. 

United States of America constitution 1787 Article I Section 10 Clause 1 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility.

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 2022-07-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.Account Name : XXXX XXXX Account Number : XXXX Amount XXXX 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 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 2021-09-16
Company: The Outsource Group, Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
MediCredit, which is a collections company working for XXXX XXXX XXXX XXXX in Maryland reports individual charges on my credit report as separate accounts. So I had a couple of visits to this 1 hospital in XXXX  and had a dispute with them about the charges. After awhile I gave up trying to dispute the charges. In the meantime, they had sent the owed medical charges over to MediCredit and that company reported it on my credit report as 3 different and separate accounts EVEN THOUGH they only have it under 1 account in their system.

By reporting this as 3 different accounts in collections ( all paid off ) on my credit report, it more severely negatively affects my credit score than if t
hey reported it as 1 account, which would be more appropriate.

A fair resolution to this issue would be to only report this debt owned as 1 account and not 3 or 4 or whatever.. They shouldn't be doing this to people. Especially when health care costs are already out of control and this affects those who can least afford it. 

Other companies don't report each individual charge or visit to their business as a separate account and neither should the hospital nor MediCredit!!!

Company response to consumer: Closed with explanation