BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-18
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I can not get access to my.equifax.com. I have gone through all the steps they have asked me. Including faxing proof of who I am ; proof of my account. I have spent hours talking to the agents who can not allow any access to my account or reset of my login information. I can not unlock my credit report to allow banks to see my credit for other lines of credit and home mortgages. As such I have not been able to receive these lines of credit. 

equifax withdraws XXXX monthly. I can not quit my account. I can not access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: AMERICAN EXPRESS COMPANY
State: WA
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, American Express has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Experian Information Solutions Inc.
State: MD
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 had a regular checking account with XXXX XXXX XXXX. I was made aware that there were some overdrafts on the account due to some minor charges and bank fees being charged several times. I got a holed of my credit report in XX/XX/2019 and notice that XXXX XXXX XXXX had report the account as a charged off from revolving account, this after the account was paid full. I've had overdrafts at other banks and financial institution and was able settle them with no farther actions being takin. With no calls or any written notice to collect a debt XXXX reported this collection account as account charged with late payments to all three major credit bureaus agencies. I have written to XXXX XXXX XXXX to validate the debt as required by the Federal Trade Commission under Fair Debt Collection Practices Act. The letter was received on by XXXX on XXXX as shown on the returned U.S.P.S. receipt. XXXX XXXX XXXX as not respond to letter and continues to furnish inaccurate and misleading information on my credit report for over five year causing harm to my credit worthiness.

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 2020-12-18
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Evening / and Happy Holidays! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Affirm Holdings, Inc
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was making payments to Affirm and they wanted verification. The email came in my wifes name and so we sent in the information for her. The company cancelled the use of credit on the account, then two weeks later they stopped access to us being able to pay the loans. One loan in particular is not even showing up on the phone pay system. Trying to work with them to verify me or at least give me access to pay the loan has been taken away. 30 days ago they said someone would call me to resolve the issue, and now we are at 30 days I have an email saying I need to pay now and when I talked to XXXX the supervisor he told me they will contact me in 30 days on case numberXXXX. They state they can not give me personal information, but they refuse to verify me as well as they refuse to take my money, as they. Say they can not verify me, even though he seemed to understand that the merchant shipped the merchandise to someone with the same exact name to my address. I just want to pay off the loan but they are not willing to work with me so I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Fig Tech 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: Was not notified of investigation status or results

Complaint:
After reviewing my credit reports through XXXX, and XXXX, I noticed that Fig Loans had been reporting a late payment for the month of XX/XX/XXXX. I know for a fact had not missed a single payment to Fig Loans in XXXX. My immediate response was to dispute through the reporting agencies. Both bureaus completed their investigations and advised me that the late payment had been confirmed and remains on my reports. After several unsuccessful attempts to reach a representative by phone, I decided to reach Fig Loans by postal mail regarding the matter. I sent a letter along with supporting documents to confirm that my account was in fact current. I sent my correspondence to their mailing address in XXXX XXXX on XX/XX/XXXX, and a USPS Return Receipt confirms that a representative by the name of XXXX XXXX signed to receive my documents on XX/XX/XXXX. I have waited over 30 days for an update regarding their investigation and I have yet to receive a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: DISCOVER BANK
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened a secured credit card through Discover at the suggestion of my mortgage lender to slightly increase my credit score by a few points so that I could qualify for a better rate on a mortgage. I paid the card in full every month by the due date and never carried over a balance to the next billing cycle. Discover began reporting 100 % credit utilization to the credit bureaus decreasing my score by almost 100 points. Being as I never carried a balance on the card, I never had revolving debt, and therefore I had 0 % credit utilization. 
Also, Discover changed the terms to which they would give me a credit line increase without notifying in writing 30-days prior. They were supposed to review my account after six months of on-time payments for a potential increase and when I asked for one I was advised that this actually happens around month seven or eight and possibly even nine. I am a meticulous planner and never would have agreed to something like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
My Equifax Credit report is not available when I tried to get annual credit reports. Can you please assist. It states Equifax can not be calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had to cancel a trip with a company named XXXX XXXX  and travel located in Florida. 
I had originally paid the deposit for the trip using a debit card from TD bank. The original payment was made on XX/XX/XXXX for XXXX When I cancelled the trip I was entitled to a refund of XXXX The tour company told me that their process is to repay the card number that was used for the initial payment. 
I explained to the travel agency that I had lost the debit card and had it replaced with a new card with a new number. They insisted on repaying the card number that was initially used. They explained that the bank usually would take it because the account is still open. I asked if I could get a refund check instead, but I was told that was not possible. 
So they sent a credit of XXXX to my account using the cancelled card number on XX/XX/XXXX. TD bank confirmed that they had received the refund to the old debit card number. They said I would see it in my account. But ... after XXXX weeks I still did not have the money. I spent at least XXXX hours on the phone trying to straighten this out. I was assured I would get the money back, but I did not. So I went to the bank and met with a representative who told me he would take care of it on Saturday XX/XX/XXXX. So I called on XX/XX/XXXX, and XXXX. On XXXX day I also spoke with the XXXX of the bank. I was told that they were working on sending the money back to the travel agency, but they do not know how long that will take. I asked to have something in writing to that effect, but I was told that was not possible. 
The bank called to travel agency to discuss the matter on XX/XX/XXXX but the travel agency reported they have not received the credit back. 
So.. I am asking for help to secure the money that I am entitled to. I am reporting TD bank, as I have spent about XXXX hours trying to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: National Credit Adjusters, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX XXXX are reporting inaccurate information on NATIONAL CREDIT ADJUST. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed this account numerous times. ALL of my XXXX finance accounts were paid. One was settled but still paid. This should not be reflecting derogatory on my credit report. Now since the update it has decreased my score significantly. This account was NEVER included in a bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Old information reappears or never goes away

Complaint:
USAA is incorrectly and unlawfully reporting a closed account with bad payment history out of retaliation and malice.This is preventing me from obtaining mortgages, apartmenrs, credit cards and loans. This is a violation of the FCRA. USAA agreed to pay for delete for the old account. This has been paid and closed for over a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: Penn Credit Corporation
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX I flew into XXXX XXXX XXXX and my luggage was stolen. Inside the luggage were my drivers license, birth certificate, social security card, and debit cards. Over the course of a few months I began to notice that my information was used to obtain medical treatment, credit, banking accounts, and public service utilities. I contacted XXXX, XXXX and XXXX respectively to make them aware that there was debt incurred fraudulently and that it was reporting negatively to my consumer report. I disputed those items and placed fraud alerts on my consumer report over the years but XXXX, XXXX and XXXX continue reporting each fraudulent account despite my numerous disputes over the last 7 years almost. A police report has been filed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
The attached document account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXXXXXX XXXX account : Please remove all of the inquiries as stated above, as they are listed below from the Transunion report XXXX 

The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below. 

This item shall be removed.

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 2023-09-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX through XXXX of XXXX, I disputed accounts on my credit report with all of the following credit reporting agencies ( XXXX and Experian ) that were inaccurately listed yet DO NOT APPEAR on my credit file with XXXX. These accounts were obtain during XXXX  to XXXX  and were used by my spouse. Since it was realized that he opened these accounts in my name without my permission and used the accounts during our marriage, these accounts were listed in the divorce agreement for payment by my spouse ( who initiated opening these accounts ). Since I was being hounded, I paid the settlement amounts as agreed with these companies. These accounts are all inaccurately listed as past due charge off/collections, which is also INACCURATE because a charge off/collections can not be listed as past due. This has caused undue stress in trying to remove this inaccurate information. These companies should not be allowed to post and/or re-post information to my credit files, at all, since the inaccuracies are abundant and constant. 

In accordance with the fair credit reporting act the following companies have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

One or more of the following FCRA laws have been violated : 15 USC 1681 section 602-A states that I have the right to privacy. 

15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. 

15 USC section 605A. Regarding identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ], I am entitled to have an alert placed on all my credit files stating " Credit file can not be accessed without the permission of XXXX XXXX by calling ( XXXX ) XXXX and given the code name XXXX XXXX XXXX ''. Identity theft report was given to all credit reporting agencies ( Experian, XXXX and XXXX ). 

15 USC 1681i - Procedure in case of disputed accuracy states that inaccuracies must be removed if inaccurately reported, for any and all reasons. I have provided multiple reasons and inaccuracies. 

XXXXne one address should be listed on my credit file : XXXX XXXX XXXX XXXX XXXX, IL XXXX ( and no other address should be listed. Only on phone number should be listed on my credit file : ( XXXX ) XXXX ( and no other phone number ). 

I demand that all these accounts listed above be removed from my credit reporting file or risk a {$1000.00} penalty.

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 2021-09-29
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The one im referring to is PAYPAL hello. i've been using paypal for almost 5months now and this is the first time i in counter a problem with paypal. i got permanently limited due to a sale of unapproved file sharing services. My only purpose of creating paypal account is to add a payment method in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I didnt sell any file sharing services then how is that possible to limit my account for that reason? i tried to see all of my selling history but none of them are file sharing services can you help me to lift this false charge in my account please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Coinbase, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/21, I loaded my Coinbase debit card with {$1000.00} and attempted to make a purchase at XXXX with it. Due to an issue, XXXX cancelled the transaction at the register and sent my money back immediately. However, Coinbase has not credited my account back yet. 

I have phone recordings proving that XXXX has sent Coinbase the refund, and that Coinbase admits that they received the refund from XXXX. Furthermore, Coinbase acknowledges that they have not credited my account with the missing {$1000.00}. I have attached one such recording to this complaint ( it is in a .zip file due to the XXXX limit ). 

When I call Coinbase, they keep escalating the case to an email-only team that never responds. 

Coinbase case numbers : # XXXX, # XXXX. I also have several " escalation '' numbers.

Company response to consumer: Closed with monetary relief