BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Department of XXXX continues to report inaccurately. According to XXXX  XXXX, account number beginning with XXXX reports to all three credit bureaus 35 late payments which are incorrect. The account inaccurate reporting is affecting my credit worthiness along with my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$470.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5500.00} ), XXXX - XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3300.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$20000.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-08-12
Company: EQUIFAX, INC.
State: OH
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 ( FCRA ) ; XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
SSN : XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is XXXX XXXX, accounting XXXX, as reported by Capital One Bank. 

This delinquent account record is inaccurate because there was an error through the payment system for Capital One, my account was on auto pay. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent. 

I unfortunately have no record but the agent i spoke to on the phone told me that they will report to XXXX, XXXX, and XXXX   that this account was never late. 

The late was for a membership fee and not any past debt as you can see my account was always paid on time and always current. 

Please investigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: CREDIT ACCEPTANCE 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: Information belongs to someone else

Complaint:
I noticed a car loan on my credit from Credit Acceptance Co. I never purchased a car from this creditor. I contacted the creditor and told them that I never purchased a car from them. They stated that it was done in a different state. I have never been in that state. Now they are reporting late payments on my credit. I sent them an FTC FRAUD AFFIDAVIT and informed them that this is fraud. They refuse to remove this rom my credit knowing there is a car out there in my name through them and IT IS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: EQUIFAX, INC.
State: AZ
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:
My XXXX/XXXX Visa credit card : XXXX, XXXX/XXXX Visa credit card : XXXX is lost/stolen, and the charges on the accounts are fraudulent and unauthorized charges/transactions. My drivers license, social security card and other credit was stolen from mailbox. My local post offtce issued notification on mail thefts in my area.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: KINGS CREDIT SERVICES
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: EQUIFAX, INC.
State: TN
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:
Code of Federal Regulation, Title 34 Education ( 34CFR628.405 ) Part ( 3 ) ( ii ) The prior holder of the loan must, within 30 days of receiving the notification from the guaranty agency request that any consumer reporting agency to which the default claim payment or other equivalent record was reported remove such record from the borrower 's credit history.There have been several disputes put into effect sinceXX/XX/XXXX. Acct number XXXX Company named XXXX is reporting paid account open on XXXX and Equifax report. The account was paid XXXX but on all 3 credit reporting agencies dates are XXXX, XXXX and XXXX. I have disputed this account be removed twice to all 3 agencies. They state regions was the original creditor I never received student loan through regions my student loans were Federal loans opened in XXXX and XXXX, which was sold to other collection agencies throughout the years that cited lack of privity. The last date of delinquency was in XX/XX/XXXXas reporting on XXXX and Equifax. They violated FDCPAA by changing the DOFFD and DOFLA. Statue of limitations per FDCPA is 6 years in Tennessee these laws are being violated by XXXX XXXX ( acct XXXX ) opened XXXX, XXXX XXXX ( acct XXXX ) opened XX/XX/XXXXand XXXX orig delinquency date should be XXXX. I respectfully ask you to investigate my claim and expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the my address. Finally, if your investigation determines the information is not outdated, I respectfully request you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. Documentation of late payments and signed documentation of signed contracts and consents In accordance with the FCRA I respectfully request you forward this information within 15 days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Netspend Corporation
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I use Netspend and have multiple ( 5 ) accounts with them As normal netspend, netspend XXXX, among 3 others. This accounts all have unique emails associated with them that I use nowhere else and they are hosted on my own domain netspend @ ( example ) .com, netspendmlb @ ( example ) .com. Today I started getting fraudulent emails to these email addresses that only netspend knows about since I never reuse these emails. Either their systems are compromised and they are leaking emails or their employees are using these emails for fraud schemes.

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 2021-02-20
Company: PENTAGON FEDERAL CREDIT UNION
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We started our application with PenFed 60 days before closing ( XX/XX/20 ) on a new house that we were building as this was the earliest we could start with them. XXXX is who we worked with for the application and he was great. Super responsive and helpful. Then we got handed off to XXXX and everything went downhill. We received an email on XX/XX/20with the next round of documentation they needed. On XX/XX/XXXX, I emailed XXXX that we were having trouble getting access to the IRS site for some of the information that we needed and asked if there was anything we could provide in it's place. We never received a response to this email. We were able to get the documentation and uploaded it to their loan portal. A week later I gave XXXX a call and left a voicemail. Two days later I tried to call again and when there was no answer, I called the escalation contact on her email, XXXX. No answer, no call back. Next I tried a main line for customer service and ended up talking to someone that said they would email XXXX and her manager. I had already tried that. Kept calling back and eventually got someone that was helpful. XXXX must have left PenFed because XXXX had a new manager. That manager also never called me back. Eventually XXXX returned to work and notified us she had been out of the office. We couldn't get any help because one person was out of the office. Okay, at this point we have two weeks. I work for a bank, I know what you can do for a customer if you really want to. We need an appraisal and that was it. I ended up calling the appraisal company and they told me that the bank could put in a rush request for the appraisal. At this point, PenFed should have been responsible for that but we were willing to pay for it to get it done. PenFed wouldn't even put the request in. We were left scrambling to try to pay in cash, taking out 401k loans for both my husband and myself, which costs money. We have dogs and had no where to go to wait for the loan to close. This was one of the most stressful situations we have been through. No communication from PenFed. When I asked what our options were and how they could help with refinancing, no response. I filled out the surveys they sent, got a call back on one of them and told her our story. No response. As you can see in the attached, XXXX even says that it didn't help that she was out of the office. This is terrible management.

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 2019-06-17
Company: Experian Information Solutions Inc.
State: SC
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:
Experian reporting accounts I know nothing about, goods I never received. Affirm for {$680.00} and {$1500.00}

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 2019-06-17
Company: Experian Information Solutions Inc.
State: AZ
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:
Have written to XXXX, XXXX and Experian 3 times in regards to XXXX   XXXX ( as well as several other issues on my credit report ). XXXX took over 2 months to reply. Have not received much communication from XXXX nor Experian. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2009 AND PAID. I would request this be DELETED from my credit report as it 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 explanation
Consumer complaint received 2019-06-17
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been trying to get validation of the such debit. I have contacted the credit bureaus to send me proof that the debit is mine and still havent recieved original contracts with my signature on it that took our these loans. They have hurt my credit score and I'm not able to get credit under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XXXX usd was suppose to be deposited into my account from coinbase on the XXXX i still have not got it. And only get automated messages replied to me no help what so ever. It says the transaction is completed but no money shows in my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid 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:
THIS IS NOT A DUPLICATE COMPLAINT! 


This is a complaint to AMEX. I recently reached out to AMEX demanding that they show proper documentation proving why the billing error with AMEX. What is a billing error? 
According to the LAW, A billing error is a reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. Documentary evidence ACCORDING TO THE LAW is defined as all documents, papers, correspondence, books of account, and financial and corporate records. AMEX HAS FAILED TO PROVIDE ME WITH THIS! Statements are not enough. Billing statements created are considered fraudulent documentation. Furthermore, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose which AMEX is continuing to do! Failing to provide proper documentation as to why this billing error was made in the first place should result in automatic deletion. AGAIN, Billing statements and/or written letters are not proof of a billing error. These are considered fraudulent documents that are created which are further putting AMEX into a racketeering case! I am demanding that the following accounts are blocked, removed, and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/XXXX, I mailed XXXX a letter requesting validation of a debt that they said I owed via certified mail for which I have proof. It is now XX/XX/XXXX, 2 months later, and they still have not answered my request for validation, and I have yet to see any results from their investigation. Per the FCRA and FDCPA debt collectors must validate the debt that they say a debtor owes within 30 days or delete it from their file, and stop reporting it as accurate to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today XXXX I attempted to deposit 2 checks into my usaa checking account via the mobile app. I was shocked as for the first time ever USAA is only allowing me to deposit {$1000.00}. I called in to speak to someone wasting tons of time out of my day only to find out they did not know the reason as to why. The Represenative said that she could only raise my daily deposit limit to {$2500.00}, which is pure garbage. Additionally, USAA is now only allowing me to withdraw {$600.00} per day from my checking account, which is also pure garbage. I feel very alienated by USAA. I am requesting that the CFPB investigate this matter. I do not want USAA to call me on the phone as I am represented by an attorney. Any phone calls will result in an instant filing. In the event USAA does call me I do not want to be recorded at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: AES/PHEAA
State: DE
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:
My old/ previous student loans are being reported on my credit report twice as derogatory accounts. Same accounts are reported by FedLoan Servicing and then again  by US departmen t of education. All of my student loans were refinanced and consolidated into  XXXX  loan  in 2012, but yet  my credit report is showing that I am in default with a balance of {$32.00}. Prior to me refinancing my loan it was in forbearance, prior to my loan being in forbearance I was enrolled in automatic payment which saved me .25 % in the interest rate. I spoke to a customer service rep that assured me that once the loan was out of forbearance the automatic payments would simply continue and I would n't have to do anything. Somehow my loan was transferred from   XXXX   XXXX   to FedLoan Servicing and then from FedLoan Servicing to US dept of Education. I never received a notice of this transfer or any changes until I received a transferred call from my supervisor at work. I immediately refinanced the loan afte r in 2012. I   am now informed that the call made to my supervisor informing him of my student loan being in default was illegal and violated quite a few laws and I will most likely be pursuing legal action. Either way there should n't have never been any negative reporting on my credit and most certainly not after  the 2012    refinance because my loan has remained in auto payment with  XXXX   XXXX  and remained in auto pay even after the current loan was transferred to  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: RAB, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX and XXXX XXXX representing RAB , Inc. have contacted our business multiple times through phone, email and XXXX XXXX. They have spoken with 5 representatives from our company with only one being the owner. Both XXXX XXXX and XXXX XXXX have been verbally abusive in their language. We have asked them verbally and in writing to stop contacting us however, they continue to harass us. We have been sending payments to the company who hired them. Therefore, I do not understand why XXXX XXXX and XXXX XXXX continue to harass us. 
They have threatened to sue us, send a private investigator, have sworn at us, asked our employees if they like their jobs, called an employee a stupid women. This on going harassment has got to stop. 
RAB , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Contact Toll-Free : XXXX Local : XXXX Fax : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Chase charges {$34.00} 3x a day if given the chance.

I recently had an issue with overdraft fees being charged for pending transactions. The transactions did not stop showing pending until XX/XX/XXXX. They hit my account XX/XX/XXXX and is meant to be paid XX/XX/XXXX. For whatever reason, this time Chase decided they would charge me 2 overdraft fees. Each fee coresponded to a charge from XXXX XXXX that was pending on XX/XX/XXXX. I got paid around XXXX on XX/XX/XXXX, yet Chase had already charged me TWO overdraft fees for PENDING transactions. I asked that they return the overdraft fees and they absolutely refused to do so because they reversed some others for unexpected charges in the last 365 days. Chase is a terrible bank who charges OD fees constantly even when stuff is pending. I wouldn't even care because typically it would be my mistake, but in this case the payments that hit my account are normal and occur EVERY SINGLE pay period, yet Chase has never charged me OD fees for them before. 
To recap : XXXX XXXX charges hit my account on XX/XX/XXXX - XX/XX/XXXX as PENDING I was paid XX/XX/XXXX around XXXX Chase charged me an overdraft fee for each XXXX XXXX transaction Charges did not come out of Pending until XX/XX/XXXX. 
These are charges that occur in my account every payday ( twice a month ) and I've never had issues before now. 

I would like for Chase to refund my OD fees, and the 2 prior to this incident if possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Transunion and XXXX  reporting that I owe XXXX for a car I paid nearly 3 years for. They offered to trade this car for a new one. I did not and told them to pick this one up because I was not going to pay a high car note. The car had low mileage, only XXXX miles.

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