BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-09
Company: Fidelity National Information Services, Inc. (FNIS)
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: Account information incorrect

Complaint:
XXXX continues to extort by reselling fraudulent credit information - they refuse to fix under order of us govt- or persons filing against them for doing so. This info was removed from files and blocked from reporting, yet persistently appears on sold info to any creditor requesting copy-which does not disemenate from the bureaus as companies are forced to make claim, even as claimed on documents. The files in fact point to old data XXXX, XXXX XXXX, etc ( all 3rd party subCRAs, illegal ) have collected " from the bureaus '' and some point in the past. these companies have no intention of correcting or purging files. I have been requested to CC XXXX 5+ years of information so they can push buttons on a computer and VERIFY DATA- I have no credit accounts. There is no info to give. all accounts have been disputed in full, removed, closed, or PAID ( 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 2022-12-03
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: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$4600.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX 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 explanation
Consumer complaint received 2023-07-31
Company: Comerica
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received my Social Security payments through a Direct Express card beginning with XXXX. 
My XXXX  had a XXXX and my family and I were having to travel back and forth from XXXX ( XXXX ) and XXXX, GA. 
Total by XXXX charged my account in XXXX XXXX times {$110.00} for XXXX XXXX phone. I couldn't get XXXX to correct the charges, so I tried through Direct Express. 
My XXXX XXXX  later in XXXX and I need the money to make payments for the XXXX, etc. 

My card was " Hot-Carded '' on XX/XX/XXXX and a new card allegedly mail out to me. 
As of XX/XX/XXXX - STILL no card and I can't get anyone on the phone to discuss it, nor is there a link on the website to assist. 
Please, please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
UNITED REVENUE CORP Account Number XXXX This company has posted collection on my credit. I have disputed them twice and they tell the credit bureau the debt is legit. AND IT IS NOT! I don't really know how to fix this problem. I do know I will nevr give a dime to someone claiming I owe them when I know I don't! 
I discovered they started reporting this since XX/XX/2014. 
Again this is not my debt!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: KY
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 issue is that when I have disputed debts with XXXX XXXX, equifax, and XXXX  I put in a dispute, no answer from either company nor response. Or say that they have verified that the debt was mine without sending proof. And my credit isn't being updated lime it should be

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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 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 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 XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX at XXXX XXXX  I received a phone call from professional bureau of collections of Maryland. The representative started the conversation stating at I owe a debt. I advised the representative I was sick and this was not the best time to speak. The rep continued to harass me about the debt. I advised the rep she was violating my rights as a consumer and she continued. I again advised the rep she was violating my rights as a consumer by continuing the conversation while I was in distress I advised the rep I was becoming very ill while speaking with her and that she was adding to my stress level by repeatedly asking me was I going to take care of the debt or not. The call was very unprofessional and it was a inconvenience to me. This harassment was unacceptable and someone needs to take action

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, 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 information incorrect

Complaint:
I had a credit card with XXXX XXXX XXXX XXXX Account # XXXX balance of {$6100.00}. My husband filled a XXXX XXXX  bankruptcy Case No. : XXXX File Date : XX/XX/2018, and XXXX was part of the bankruptcy. It is still showing on my credit report that there is a balance and past due.It also says it was " written off ''. Non of this is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
I filed a number of Disputes with all three of the Credit Reporting Agencies ( CRAs ), XXXX, XXXX XXXX XXXX, on XX/XX/2022. I subsequently received an Investigation Results from XXXX on XX/XX/2022. Then on XX/XX/2022, Cap One sent me an unsolicited Notice requesting me to provide " additional information '', and dated XX/XX/2022. 

I then sent a Direct Dispute to Cap One on XX/XX/2022, along with 5 pages of supporting documentation, concerning the specific account, # XXXX. Requiring Cap One to Validate & Verify the Information they are reporting in my name. Cap One subsequently failed/refused to Reply to that Direct Dispute. I then sent a Demand Letter to Cap One and dated XX/XX/2022. Which again Cap One has failed/refused to Reply to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I, once again, would like to request the removal of the erroneous accounts and information you have been reporting on my Credit File. When I checked my credit record, I discovered a lot of billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts that you should remove immediately : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}.

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 non-monetary relief
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2023 I sent out 3 letters to each credit bureau, XXXX, Equifax and XXXX. I requested to have 3 particular accounts removed from my credit report, since they were not reporting 100 % accurate information. I made it clear that, reporting laws ensure that bureaus report only 100 % accurate credit information. 

I requested that the information be investigated and DELETED if not fully validated and that I wanted to be provided with proof of the alleged items, especifically the contract/terms with my wet signature. 

I received a response only from XXXX and Equifax bureau, but not XXXX. 

Equifax and XXXX provided me with feedback within 30 days, but failed to provide me with the verification and proof of their investigations. 

On XX/XX/2023 I sent out a second round of letters to each credit bureau in hopes of being provided with a full description of the investigated task of my disputes. I also sent 3 more follow up letters on XXXX XXXX XXXX 

I mentioned that sending out a generic form through the e-Oscar system for the dispute is not reasonable, and that I wanted a full validated investigation with details on how you verified this ( names of people you spoke with and contact numbers ). 

However, I never received a response from neither credit bureaus ( XXXX, Equifax or XXXX ). I have not received a response in over 30 Days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX  has sold my acct to multiple collections companies and they are all trying to collect different amounts. I've already paid my balance. On XX/XX/XXXX XXXX  reported to XXXX XXXX XXXX for {$520.00}. I paid this amount even though I believe it was an error and I think the cable company charged me for equipment i returned. I paid {$520.00} on XX/XX/XXXX, ref # XXXX. I can attached bank statement. This was under my legal name of XXXX XXXX. Then on XX/XX/XXXX the CPA billed me for {$420.00} under the name XXXX XXXX for a XXXX  acct. It's not possible to have two cable accts for the same address i disputed it. Now another collection called IC System is billing me for the {$420.00} again. XXXX XXXX XXXX also reported the {$420.00} on XX/XX/XXXX and I believe I also paid this acct in error since i was in the process of buying a home.

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 2023-05-17
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX, So I am here to notify/complain to you directly through this platform XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit card with Bank America, and discovered at the end of 2019 that for every one payment I scheduled to have taken out of my checking account automatically, TWO were being taken out. This had been happening for many months, unnoticed by me unfortunately, causing checking account overdraft fees some months. I called Bank of America, and they could not understand why two payments were coming out. They said they would do what they could on their end to stop the double payments. Well the next month, I saw 2 identical payments to Bank of America were coming out again. I called them back and they again said they would stop. It continued again the next month. I went to my bank for help ( XXXX ) to stop the double payments from coming out. I asked XXXX to only allow Bank of America to take out ONE auto payment a month. XXXX then stopped all auto payments to Bank of America, so I told Bank of America I would only be writing/mailing them checks since neither bank can get this right ; NO more auto payments. You would think that would have solved the problem, but it has not! Bank of America is cashing my checks I mail on time, yet I receive notices from them and phone calls from them saying I am behind and not making payments! They are also charging fees to the credit card account, and worst of all they are hurting my credit! I am so irritated and furious, and feel helpless. I email Bank of America, I call, and they just blow me off. I am a person who pays bills on time, and has worked hard to get my credit to a good score over the years, enjoying the low 700 range. Now since this Bank of America fiasco it is a low 600! I of course have all of the proof I need to show that I am making payments even though my statements from Bank of America say I am not, and they continue to assess late and no payment fees.

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 2021-10-13
Company: Santander Consumer USA Holdings Inc.
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: Investigation took more than 30 days

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 2022-04-18
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: Account information incorrect

Complaint:
Disputes completed, can not see what they are for, the results nor the proper steps taken during their invesitgative processes which concluded in 1 day for one and 2 for the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: California Accounts Service
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
California Accounts Service has been attempting to collect money from me for medical debt I dont owe. The balances were supposed to be paid by primary and secondary insurance and the bills specified not to bill me if services were not covered by insurance. Primary insurance claim was denied. I didnt receive payment from insurance but California Accounts Service claims I did. Creditor refused to provide documentation for over 4 years but continued to report additional fees to credit bureaus each month. They claim that they did not contact me because they believed I was filing for bankruptcy. This is false- no bankruptcy action was filed and I did not consult with an attorney. After filling additional complaints against the debt collector, they mailed me a statement. The statement shows no billing was generated between XXXX while fees were assessed. An explanation of the fee schedule was never provided, a right to dispute was never provided and the statement they mailed out to me shows multiple HIPAA violations including personal information, treatment codes, insurance details and additional confidential information. All reporting by California Accounts Service must be deleted from my credit for fraudulent reporting, breach of duty and causing multiple data breaches of my confidential information over the past 4 years

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Credit Karma, LLC
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Credit Karma has frozen my account for over two weeks now, which has caused me to miss credit card payments and has significantly lowered my credit score. I have submitted to them all needed documentations. I have reached out to them over 20 times over the last two weeks. They state that the department that handles account locks and freezes doesn't have a direct line or phone number to reach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX XXXX XXXX XXXX  account # or reference # XXXXXXXX XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX ending in account # XXXXXXXX XXXX XXXX XXXXXXXX ending in account # XXXX 15 U.S.C 1681 Setion 602A states I have the right to privacy.

15 U.S.C 1681 Setion 602A also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: Coinbase, Inc.
State: VT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Multiple times attempted to trade crypto. Coinbase processed transaction then canceled or not completed without notification while using app. Acted like it completed trade then emailed later it did not complete trade. Multiple time the coinbase took money when trading shiba inu crypto. They have agreed there is a problem and still won't give me my money back. Scam. Failed to execute trades accordingly. Leaveing customer without control while markets move and and coinbase holds our money without recourse. Then agrees there is a problem but won't pay me back. The Coinbase system appears to operate like a claw machine in the arcade. Grabs the trade act like you have it in hand but drops the item as it executed trades, especially ones when value is droping rapidly. Coinbase can't facilitate or manage its trading system. It is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
On XX/XX/2020 American Express convinced me to enter into a payment plan that I discovered the following morning eliminated my {$250000.00} Credit Limit. I have unsuccessfully tried to get them to unwind the loan for {$100000.00} and go back to our normal credit relations. They have told me there is nothing they can do, even though In told them I did not want the loan to effect my Credit Limit.  All communication was by phone. I would never knowingly agree to eliminating my credit line. 

Then on XX/XX/2020 they drafted {$5800.00} and {$30.00} from a business associates bank account that had previously sent them a check for my account. I never gave AMEX a bank account number to draft from. 

I have been told by AMEX they appreciate my 40 years of loyalty but won't do anything to resolve the situation.

Company response to consumer: Closed with explanation