BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-18
Company: EQUIFAX, INC.
State: SC
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:
XX/XX/2018 Equifax XXXX XXXX XXXX XXXX, GA XXXX Re : XXXX XXXX Attn : Dispute Department, I am writing to dispute the following information contained in my credit file. I circled the item I dispute on the enclosed copy of the credit report that I received. 

I received a cancellation of debt notice from XXXX , XXXX dba XXXX XXXX , XXXX in XX/XX/2018 indicating that a debt that I supposedly owe XXXX XXXX had been discharged in the amount of {$1200.00} dollars. 

On XX/XX/2018, I sent a letter along with a copy of the cancellation of debt notice to XXXX , XXXX dba XXXX XXXX , XXXX disputing this alleged debt and requested validation of the debt. Thirty days passed with no response from them. After failing to respond to my request, a second request for validation of the alleged debt was sent on XX/XX/2018. I included a copy of my previous letter, a second copy of the cancellation of debt notice, and a copy of the mail receipt showing that XXXX , XXXX dba XXXX XXXX , XXXX received my first request for validation of debt letter on XX/XX/2018. 

XXXX , XXXX dba XXXX XXXX , XXXX responded with a letter and a copy of a check that I supposedly signed and cashed ; however, after carefully reviewing the check, I still disputed the validity of the alleged debt. The check states that a Payees endorsement and 2 forms of ID are required. XXXX , XXXX   dba XXXX XXXX , XXXX did not enclose a copy of the 2 forms of ID used proving that I indeed endorsed the check. Identity theft is rampant in the world that we live in today, and a signature can easily be forged by anyone. 

I am requesting that this item be deleted immediately from my credit file because XXXX , XXXX dba XXXX XXXX , XXXX has failed to validate this debt. Please send me an updated copy of my credit report reflecting this change. 

Sincerely, Enclosure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX XXXX 2.  XXXX XXXX XXXX. 
3. XXXX XXXX 4. XXXX XXXX XXXX 5.XXXX XXXX XXXX XXXX 6.  XXXX XXXX XXXX 7.  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: MD
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.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. -- -XXXX XXXX account numberXXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section602A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C1681c a ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions which antedates the report more then 7years U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe tht the information 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 2021-06-24
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I recently withdraw Bitcoins ( BTCs ) to be sent to my account on Coinbase on BTC address " whitelisted '' according my banks 's ( XXXX  ) procedure. 
- XXXX  requires crypto addresses to be whitelisted before allowing any transaction in/out of the bank - The whitelisting process requires a transfer of a small amount of cryptos from the source address ( Coinbase ) to a XXXX  predetermined address - I executed this transaction on Coinbase transferring the required little amount of BTC - After successful transfer of the above-mentioned small amount of BTC, XXXX properly whitelisted the Coinbase 's address used for the transaction - On XXXX, XXXX I submitted an order to XXXX, so to transfer my XXXXBTCs ( XXXX $ ) to Coinbase into the address generated by Coinbase and whitelisted by XXXX  My BTC never arrived at Coinbase ; asked for support, but still no answer received after several attempts to get one. 
Talking about XXXX $!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 recently went to XXXX about the account that says XXXX XXXX and I told them it wasnt my account. The address on the account doesnt even match the address on my profile. Considering this is wrong and is hurting my score I would like this item to 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 non-monetary relief
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I used to travel alot for work before covid. While viewing my credit report I noticed that this issue is still on my credit report. This account doesn't belong to me. I would like it removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: ACS Education Services
State: MD
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:
My student loans are held by ACS. I have been paying on said loans consistently for over ten years. However, I recently returned to a XXXX  program and my loans were automatically placed into deferment. When I realized this, I called ACS to have the deferment removed and I immediately paid all accrued interest ( this Fall XXXX ). 

On XXXX XXXX, XXXX, I received a notice from ACS that  they again placed my loans into deferment. When I called to ask why, I was informed that they " automatically place loans into deferment based on information from the XXXX XXXX XXXX ''. Essentially, I was told that my school reports the information to the XXXX XXXX XXXX and they, in turn, provide the information to various student loan companies. 

What I find troubling about this stems from the statements from ACS representatives. I was repeatedly told that " they are required to place my loans in to deferment based on a federal regulation '' and " there was nothing they could do to stop this process. '' When I asked them to provide me with said federal regulation, they were unable to do so. 

However, Title 34, Section 674.38 ( a ) ( 5 )  states, " In the case of an in school deferment, the institution may grant the deferment based on student enrollment information showing that a borrower is enrolled as a regular student on at least a half-time basis, if the institution notifies the borrower of the deferment and of the borrower option to cancel the deferment and continue paying the loan. '' ACS gave me blatantly false information on multiple occasions and has continued to place my loans into deferment after I notified them that I wished to cancel the deferment and continue to pay my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: AMERICAN EXPRESS COMPANY
State: NJ
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 balance transfer

Complaint:
On XX/XX/2022 I was approved for the American Express XXXX XXXX card. I only applied for this card as it provided 0 % APR for 15 months AND an option for balance transfers ( see Rate & Fee document attached ). Upon inquiring with AMEX MULTIPLE times I was given many different answers 1. AMEX doesnt do ANY balance transfers ( yet theres a balance transfer section when looking for new credit cards on the AMEX website ) 2. You can transfer your balance from another AMEX, but outside transfers arent allowed 3. The XXXX XXXX card allows balance transfers. I could do a lateral change to that card, but it wouldnt be a new account so I wouldnt have a balance transfer promotion. 

I can not believe how uninformed the AMEX staff is. I also agreed to documents stating I could do a balance transfer for a 3 % or {$5.00} fee. 

Now Im stuck with a new credit line and inquiry on my credit report thats rendering me USELESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: JPMORGAN CHASE & CO.
State: TX
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:
XX/XX/18 Chase Called company to undo the over draft fees, stated they couldn't and wouldnt. 
I went under {$5.00} due to charges not being processed same day or same week. 
I was charged XXXX for over draft which put me at XXXX and charge again for over draft when I got drafted those XXXX, happened 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This bank is horrible, each banking rep in person or on the phone will give you different answers. The scam works as follows : The backend computer system adds a delay to any deposits you make will be delayed as long as possible in order to charge you more overdraft fees. 

Any withdrawals are structured in such a way so that they will not appear on your statement or at the ATM until its too late. They structure them to their advantage. There are literally hundreds of other people that have this exact same complaint. I want a refund for all NSF fees i paid to this bank or I will sue them in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Opened XX/XX/2019 and closed on XX/XX/2019. There was a problem with the bank account that I had linked it with and they didn't get payed properly so they closed. 
Now they are reporting me as bad credit and it is affecting my credit score.

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 2018-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
I have credit card with Bank Of America. They closed my account because of late payments. I was responible customer, but acter my car accident I didn't was able to work almost one year. In that period of time I miss those late payments.

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 2021-06-24
Company: NCB Management Services Inc.
State: WA
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:
These collection companies are reporting that I have an open account which is not under FCRA compliance. 

NCB MANAGEMENT SERVICES # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Placed for collection:XXXXXXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : DEBT BUYER Balance : $ XXXXDate Updated:06/13/2021Original Amount : {$1400.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XXXXOriginal Amount : {$420.00} Original Creditor : XXXX XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection<Date ClosedXXXX Remarks : Completed investigation of FCRA dispute-consumer disagreed ; AFFCTD BY XXXX XXXX ; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XXXXOriginal Amount : {$360.00} Original Creditor : XXXX XXXX XXXXXXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax constantly reports incorrect payment information, balance history, and says an account is valid after dispute when it is not. I have the statements from the merchant to prove that it isnt being reported correctly and they fail to change it. This has been going on for months preventing me from getting lines of credit to survive this pandemic. The account in concern is XXXX XXXX Credit Card XXXX The account is paid in full and closed since XX/XX/XXXX. It is reporting as maxed out with negative payment history and it is now XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to address the erroneous reporting on my credit report. XXXX had a public judgement ( they finally removed ) and other items that are not accurate. I have called them last year several times to request and correct my name and addresses. I have asked for a copy of my report via phone rep. over 3 weeks ago since I am not given access online with any credit report.com that allows viewing. I still have not had my request fulfilled. XXXX is not VERIFYING what is being reported and this is extortion and defamation of character. It has come to my attention that my XXXX is being used and non affiliated 3rd parties whom I HAVE NOT given written authority to are making malicious accusations on my credit. XXXX is causing my extreme financial hardship, it threatens my housing stability, my peace, violates my consumer rights that protect me from such abuse. My identity has been reported as stolen and I asked that my file be blocked and suppressed XX/XX/2023. I have not had 1 communication sent verifying the accounts, inquiries, names and addressing that I believe is still on my credit profile EXPERIAN, AND XXXX. Are also violating me the same way. I want to see verification done and sent to me by the CRA 's, if not verification is found I want it deleted.

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 2019-10-22
Company: EQUIFAX, INC.
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:
I checked my credit and I noticed an account for XXXX XXXX in the amount of {$210.00} with the ORIGINAL CREDITOR as XXXX XXXX XXXX. First, this debt is a violation of HIPPA rights, as I did not sign a release to have my medical records, including costs, shared with any outside agency. Second, I never received any correspondence from the medical facility or the doctor after my emergency care as I made sure they knew that I was indigent and had no income. Third, I have a right to be notified with proper instructions on how to dispute, according to the Fair Debt Reporting Act. 

I contacted XXXX XXXX on XX/XX/XXXX and they responded on XX/XX/XXXX. 

XXXX XXXX responded and states : The address provided by XXXX XXXX XXXX from the visit to XXXX XXXX XXXX in XX/XX/XXXX is XXXX XXXX XXXX in XXXX. Due to the age of this account, we have chosen to close the account in our system. We will notify the credit bureaus of the closure and request they delete the record. 

I tried to submit a dispute via Equifax website and XXXX website but Im having issues verifying my identity. The questions asked DO NOT pertain to me. I DO NOT have an auto or personal loan in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank closed my credit card account due to listing multiple charges as fraud. Even for the transactions I listed as fraud, they havent given me money back for it. They are two charges for XXXX XXXXl for {$100.00} and {$42.00}, and the rest of the chargers are from XX/XX/2022 onwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
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: Was not notified of investigation status or results

Complaint:
I am extremely furious and I pray that you can help get this letter to the bureau. I've sent numerous letters and was never notified of the results. The dates are XXXX and XX/XX/2020. At this point, its been over 60 days. I'm pretty sure that this violates my consumer rights!!! CFPB Please help with this issue!!!! I have the FTC following responses closely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
US Bank Home Mortgage refuses to report my home loan on my credit report for no reason. Ive paid on time for the whole 4 years Ive had the loan and want them to report it correctly like they do for everyone else. They are damaging my credit by not reporting my 4 years of on time payments. They say the home was in bankruptcy but it never was and they refuse to fix this. They are kicking someone who is down by damaging my credit when Ive done nothing but be a perfect customer l. They shouldnt be allowed to discriminatorily decide who to report and who not to when Ive done nothing but be a perfect customer to them. They are a horrible company I cant wait to run away from

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 2020-07-17
Company: Experian Information Solutions 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:
I have contacted the Creditor and Credit Bureau more than twice and no response and the issue is still unresolved. This is defamation of character. I would like proof of the original documentation with my signature to prove that this debt is my debt.

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