BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Since XXXX, I have been challenging things on my credit. There are items on my report that are not mine. There are duplicate accounts shown for the same erroneous items. I have not received any response from the credit bureaus. It has been 7 months of me trying to get the incorrect items removed. The Dates of my most recent letters are below : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 There are 38 Inquiries on my XXXX that I have continuously asked to be removed. 
There are 25 Inquiries on my Experian that I have continuously asked to be removed. 
There are 22 Inquiries on my XXXX that I have continuously asked to be removed. 

There are 3 Derogatory Marks on my XXXX that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

There are 3 Derogatory Marks on my XXXX that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

There are 4 Derogatory Marks on my Experian that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

I simply would like the Credit Bureaus to Uphold the law and delete these erroneous accounts from my credit report.

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 2023-09-08
Company: CCS Financial Services, Inc.
State: FL
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:
I a writing to delete the following information in my file. The item ( s ) I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge, I ask the the Item ( s ) are deleted in order to correct my credit report. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the item ( s ) as soon as possible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had been a victim of identity theft during before the XXXX payment was due. Someone had stolen my information and hacked my account, therefore interfering with my ability to pay my bills on time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Altisource Portfolio Solutions, S.à r.l.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been receiving repeated phone calls from XXXX XXXX regarding a corporate card charge with an original balance of {$1300.00} with an additional {$150.00} in interest and fees. This was a legitimate business expense that had been charged on the same day of an illegal termination that the corporation illegally refused to pay. I won a legal settlement which included compensatory damages because of this illegal termination. During the time I have been involved in litigation, I have not paid this debt. Although I did, in fact, explain the situation in depth to XXXX customer service, XXXX did not care and reported this to a collection agency. This agency, XXXX XXXX XXXX XXXX, has called me repeatedly regarding this. The latest phone call was on XX/XX/18 at XXXX XXXX MST, and a representative named " XXXX '' told me that I needed to pay this anyway to " maintain a good relationship with XXXX XXXX. '' I explained the situation to him, and he also refused to listen to me, so I hung up on him. Additionally, this company has been making repeated phone calls to my law firm trying to use them to contact me. This is outright harassment.

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 2020-10-30
Company: EQUIFAX, INC.
State: MI
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:
Around XXXX XXXX XX/XX/2020 i tried filing an online dispute with multiple items. Each time I attempted to submit the dispute the system timed out with an error code of " system temporarily unavailable. '' I thought this might be due to batch processing during early morning hours. Around XXXX hours on XXXX XX/XX/2020 I proceeded to do the same thing and encountered the same error. It was only AFTER limiting the amount of items to two ( 2 ) items that Equifax 's system successfully processed the dispute. When I went to dispute an additional item, the system timed out with the same error. The only subsequent information Equifax 's system would allow me to dispute without timing out was placing a statement on my credit file. That is attempts to dispute any material items beyond the initial two ( 2 ) items appears to be explicitly blocked. 

What this means is that Equifax is limiting the amount of the disputes any individual is allowed to dispute within an unknown period. Given the nature of the current pandemic the turnaround time for processing and resolving a dispute is in excess of the thirty ( 30 ) day time-frame. Equifax appears to be regulating the information that an individual may dispute by first passing the infrmation through " ai.equifax.com '' before the system will process and accept the dispute. Any mention of COVID19 or SARS-CoV-2 as a part of a dispute appears to be rejected by the system -- even if in the personal statement. Thus, Equifax is controlling my right of notice and opportunity to be heard and is effectively abridging my rights of due process granted to me by the FCRA. The harm is that additional items that may need to be disputed remain unresolved and in my credit file, lowering my credit score and adversely affecting my ability to secure lines of credit at a time when many individuals are experiencing financial strain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Name XXXX XXXX Address XXXX XXXX XXXX XXXX Phone Number XXXX XX/XX/2023 Dear XXXX, XXXX AND OR XXXX I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( XXXX ) owed are not accurate for the following items : Party Owed : XXXX Amount : {$28000.00} Account Number : XXXX Party Owed : American Express XXXX : XXXX Account Number : XXXX I am disputing this claim as I HAVE NO KNOWLEDGE OF THIS " CONSUMER '' ACCOUNT. IT IS FRAUDULENT. I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned debt removed from my credit report. Enclosed may be additional evidence to support my claim. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
Someone tried to an open account on XX/XX/2022 and XX/XX/2022 with my personal information and it wasnt me. It was identity theft and fraud. Ive contacted the credit bureaus, and I put a freeze on my credit. Ive also contacted XXXX. My next step is to get a police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied for the save program on XX/XX/ 2023. 

The federal aid portal said that my servicer does not receive electronic applications and that I had to print and mail my application to them. I did and did not receive any information. 

On XX/XX/XXXX I called nd asked about the status of my application, they said that they received my application o n XX/XX/XXXX but that it will take at least 60 days to process the application but that have no way of telling me how long my application will take or where it is in the process. Meanwhile the loans are accruing interest. And they say that can't give me and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have attached an account that is reporting incorrectly to all three credit bureaus, I have attached a picture of this account everything highlighted that is a discrepancy. This is a violation of the FCRA and must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My XXXX was hacked through the Coinbase App. I had over {$7000.00} on my Bitcoins account and unfortunately they transferred them somewhere else. Coinbase never told me until now what they are going to do.

They tried again yesterday and swap my new SIM card. 

I need your help please in order to recover my {$7000.00} plus Bitcoins that I had through Coinbase. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: MA
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:
There are a few items on my credit report, that are 7 years older or more ... quite a few of them are 7 years and 6 months -- almost 12 years old. These I feel are well beyond the legal timeline to still be reported on my credit report, yes things typically fall off after 7 year 's .... 

XXXX & Equifax BOTH have NO OPTION to select as the reason for removing something as " too old to be on credit report ''. And XXXX especially gets to decide when you as a consumer can challenge something to be removed if you did so, once in the past. How is this their call over what is my credit report? If I want to dispute something each month, that really should be my decision. BUT, if something is too old to be there, why is that not an option to be selected? 

XXXX to their credit has this exact reason as an option, which should be required of all 3 credit bureaus. 

XXXX makes it extraordinarily difficult as this isn't an option that can be selected online of through their app. And no matter how many times you select " Other '', write in the reason, and state why something should be removed, you're stonewalled because they don't let you dispute any further. Why are they allowed to make this difficult for the consumer? If the FCRA law is deleted after 7 or 7.5 years, there should be an easier way to hold them to that standard, because then if that information is supposed to be deleted then the report can not be entirely accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I submitted a dispute request in XX/XX/XXXX with capital one. Since then Ive submitted several documents talk to numerous agents all telling me something different. I ended up paying {$1100.00} for a charge I didnt agree to or accept and its almoat XX/XX/XXXX, capital one never resolved my dispute or refunded my money. My complaint number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was told by a verizon representative that with the a new verizon visa credit card i would received {$10.00} credit per eligible line if i acquired the credit card. I checked with verizon rep that my lines were eligible. I have 4 lines. Thus - should be {$40.00} credit for all lines combined. When my first bill was paid with Verizon visa - no credit. After many calls - no one can answer my questions as to why there is no credit. Plus, on XX/XX/XXXX - a verizon agent told me that I would not get a credit with a verizon visa credit card - i needed a verizon visa debit card - which they dont even issue. 
Once again verizon is promoting products they have not educated the rest of the company on and promoting dishonest product selling lending practices. 
Interesting though, their current marketing material doesnt seem to have this information anymore. So, it looks like i was lied to in order to open a card then without further communication to me they changed the rules. 
Additionally, there verizon visa credit card site is continually down. 
As of XX/XX/XXXX I have closed the card.

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 monetary relief
Consumer complaint received 2018-03-01
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I canceled my services with XXXX XXXX  is XXXX of XXXX. I was informed that I will receive a bill for the remainder of the month and to provide them with an address to send the final bill to. Once the bill was sent, I received an email from a worker at XXXX XXXX stating that the bill was returned and to provide another address to send the bill to. I didn't deem it necessary because I was and have always paid the bill online or by telephone. 

To my knowledge, my final bill was paid at the close of XXXX in XXXX. I believed this to be true because no one from XXXX XXXX reached out to me via email or telephone to inform me that my bill had an outstanding amount in the total of {$65.00} that was due. 

Months passed and I receive notification from XXXX XXXX informing me that I had a derogatory mark on my credit report issued from Collection Services of Athens on behalf of XXXX XXXX in XXXX of XXXX. 

Neith XXXX XXXX nor Collection Services of Athens informed me that my account was going to or currently in collections. 

I had a hard time giving proof that my bill was paid because the financial institution that was used to pay XXXX XXXX is out of state and when it came to getting statements delivered mail was mishandled and delivered. 

I decided to take a loss, and reach out to Collection Services of Athens and provide them with a 'Pay for Delete ' letter explaining that I would be willing to pay them the amount, {$65.00}, and in return, they will remove that derogatory remark from my credit report. 

Collection Services of Athens has not reached out to me since the letter was sent on 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 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Transunion is reporting inaccurate unverifiable information on my consumer report. Transunion is violating the FCRA.

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 2018-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 believe there was a misunderstanding with my claim. I was told that the Capital One inquiry would be a Soft Inquiry rather than a Hard Inquiry. I did not want to close my Capital One account at all. I did not place a fraudulent application. I received a letter in the mail with a special code which was already Pre-Approved. I want to re-open my account and still be a Capital One member. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Opened AmEx Delta card in XXXX 2017, complied with the requirements to have XXXX bonus miles. Never got the bonus miles. Speaking with them for 9 months now, " glitch on our end, we are working on a fix, will be fixed SOON, give it another 4 weeks, etc ... '' getting a runaround ... Can't talk to the team working on the case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I wrote all 3 bureaus and asked them to look into some accounts on my report that are inaccurate. I sent these letters certified mail and I have record that they were received. Since then, I have sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020. I have yet to see any information regarding the accounts that I am challenging, nor has any of the misreported information been updated. It is a clear violation of the FCRA to continue to report incorrect information after they are made aware of the mistake, isn't it? I feel that my rights are being violated and it is having a negative impact in my life, for obvious reasons. I have tried to maintain patience however, this has gone on for far too long and I want these issues addressed immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America had been charged me fee each 25 days instead of a month for about 8 years and had charged over many times

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 2018-03-01
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have made a purchase with the 18 months interest free promotion from XXXX XXXX. I have repeatedly asked the sales representative regarding the payments, whether I would need to make interest payments based during the 18 months we didn't pay interest in case we forgot to pay off the debt in 18 months. The sales rep repeatedly assured me that I would only be making interest payment once the 18 months is up based on the balance I would have just like any other credit card. 

Fast forward to today, XX/XX/2018, I decide to check up on my debts and realized I still had the debt for the appliances purchased from XXXX XXXX. I decided to make the payment to clear the debt and decided to see how much interest had accrued and I saw that interest for 18 months I didn't pay were added to the statement when the promotional period ended. 

I have made a phone call to see if I can get this interest amount reduced or removed, but the reps were very stoic and stern about the fact that they weren't going to remove this interest amount of {$1700.00} based on debt balance of {$2200.00}. 

I have made a call to the customer service, spoke with the representative and she couldn't help me, so I asked to speak with upper management and XXXX from the management team answered. XXXX also repeated that she couldn't help me because the information was stated on pages 1 and 3.  However the company didn't make much effort to let the consumer know that once the 18 month promotion period was up, we would need to make interest payment that we've missed out on for the first 18 months. It says in a small line at the bottom of page one about deferred interest, but to a layman, deferred interest seems like interest that will begin to be charged once the promotional period is over.

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 monetary relief
Consumer complaint received 2020-10-30
Company: GMA Investments, LLC
State: FL
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:
this company XXXX XXXX I have paid more than two years, I need this abuse and report to my person and my credit to be corrected immediately! He held XXXX XXXX directly responsible for not ERASING an account already paid from my credit and for continuing to use my ID to damage my credit!

Company response to consumer: Untimely response