BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
Company: United Revenue Corporation
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:
I received debt validation from United Revenue and appreciate them clearing this matter. As a result, I submitted payment via certified funds to clear my {$840.00} balance. Per their credit reporting policy and the new bill introduced in the United States Congress, medical collection accounts will be deleted when they are paid in full. However, my account has not been deleted. Since I have submitted payment in full, I kindly ask that this account be removed from my credit report, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
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:
XX/XX/2018 XXXX XXXX Interim Director Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Dear Mr. XXXX : I am requesting your assistance with the attached charges on my Capital One credit card account. I have contacted Capital One on multiple occasions since XXXX regarding the XXXX charges on my account. After multiple phone calls and letters to Capital One, I was directed to contact Fraud Investigator XXXX. Despite my calls being transferred to the Fraud Investigator on multiple occasions, I have not yet received any responses from the Capital One Fraud Investigator. 

My sister-in-law XXXX XXXX has XXXX and I purchase wigs on a regular basis to help her with feeling more beautiful as her hair regrows after XXXX. I recently learned that the XXXX charges on my account were from vendors XXXX XXXX and XXXX. 

On XX/XX/2018, I purchased an item from vendor XXXX XXXX and received the attached email even after I paid for the item. I contacted Capital One regarding the fact that I was sent the attached email and did not receive the item purchased. 

On XX/XX/2018, after not receiving the item purchased from XXXX XXXX, I again purchased the item from vendor XXXX  and again received the attached email after I paid for the item. I again contacted Capital One regarding the fact that I was sent the attached email and did not receive the item purchased. 

On XX/XX/2018, I purchased an XXXX from XXXX that stopped working properly. Capital One continues to charge me the funds for this phone even after the phone was returned to XXXX and another XXXX was purchased on my Capital Once credit card and my phone number was transferred from the non-working XXXX to my current XXXX. 

It has almost been one year since I have first contacted Capital One regarding these purchases and Capital One has refused to reimburse me for items I have either not received or returned to the vendor. 

Sincerely, XXXX XXXX Cc : XXXX XXXX, CEO, Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions Inc.
State: NJ
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:
As I was checking my credit I noticed multiple accounts that I do not recognize

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 2018-11-27
Company: VELO LAW OFFICE
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This company, Velo law did not properly serve me a summons. The summons was left with a family friend and was not signed for and the officer ( or person she described dressed in a police officer uniform ) told her that I didnt not come get the packet from her as soon as possible and respond I could be going to jail and its possible I already I have warrant out for my arrest. I immediately called this agency to try to handle this and I was advised that I first had to pay for them serving me before anything could be handled and they also needed a financial statement from me. Also the amounts they are suing for are incorrect. Also the original creditor says another company holds the debt. The place they claimed they served me is not where I live its just my mailing address. I was not there and did not receive the summons nor was it signed for

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021 we were notified ( see attached ) that our mortgage servicing was transferred from from XXXX XXXX XXXX to XXXX XXXX XXXX with an effective date of transfer that was on XX/XX/2021 The transfer has since been completed, but XXXX is still reporting to the credit bureaus the a loan balance of {$190000.00} that was also transferred to XXXX XXXX XXXX. They are also still showing the loan as being OPEN to the credit bureaus, when it should be Closed. We have so far completed two payments to the new mortgage servicer and looking to the third, yet the credit bureaus are still reporting the transferred balance and an account that should have been CLOSED

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 2018-10-15
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX18 I noticed a credit inquiry I do not recognize. 
I ask that the following Inquiry be deleted from my credit report : XXXX XXXX In addition I request that each CRA provide the source documentation used to verify the validity of this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
On XX/XX/XXXX, I received an email from Amex to encourage me signing up for the platinum card and will receive the welcome bonus of 100,000 point if I signed up and spend {$5000.00} in 6 months. But when I got approved, customer service said I was declined to get the offer. 

Amex didnt tell me any reason about it upfront until I reach out to customer service to verify if the bonus was gone through. That means If I didnt contact them at all, I would spend thousands of dollars and would not receive any bonus at the end. Duing my application process, Amex also did not provide any info about their declination for my bonus. 

I found their information misleading. And I am very disappointed that they processed my application far different from what they claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2022 I was informed by PAYPAL XXXX  via e-mail that my account is permanently limited and that my monies would be held 180 days, after calls and further attempts to contact them they would not inform me as to why they took the action other to say some violation of their user agreement. They did not elaborate. I do not sell items utilizing PAYPAL so there is no need for them to worry about recourse or returns. They are holding {$60000.00} US dollars and keeping me in the dark. After much research online I'm learning that this is happening to many people and after they wait the 180 days they are told their money went to a {$2500.00} fine per user agreement violation ( no mention of which violations ) and said monies are essentially stolen by PAYPAL. PAYPAL has artfully created a stipulation that in their user agreement any disputes must be arbitrated. This is a costly and confusing process for many. This is a travesty that is happening to people across the world.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

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 2022-09-05
Company: Experian Information Solutions Inc.
State: TX
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 XXXX  XXXX  XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 sec 602 A states I have the right to privacy.

15 U.S.C 1681 sec 604 A section 2 : It also states a consumer reporting agency can not furnish an account with out my written instructions.

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 2022-09-05
Company: AMERICAN EXPRESS COMPANY
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:
my identity was stolen and was used to apply for accounts that I personally DID NOT apply for. there are hard inquiries from varies company that has stolen information with out my signature or my consent. 

XXXX XXXX Bank XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX UXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ALL CREDIT CAR SALES XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ALL CREDIT CAR SALES XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AMEX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16
Company: IQOR US INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Allied Interstate repeatedly calls my place of employment even though I have told them NOT to contact me, instead to send me some information by mail regarding whatever they are calling me about. I have repeatedly told these people not to call and they insist on doing so. 
XX/XX/2018 - XXXX I told them to contact me via usps XX/XX/2018 - XXXX I told them to not call my place of employment XX/XX/2018 - XXXX I repeated myself and said the next time someone calls this number, I will have legal counsel reach out to them XX/XX/2018 - XXXX They call once again! 

I am fed up with these calls and these aren't the only calls, I can and will have my call log pulled. The numbers they call from are : XXXX and 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 2017-08-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Chase accepted, never refunded my cash, never answerer n good faith my complaint to, the cfpb n that 's like being guilty, using foreigners n another world with possession of my data, is like commercial activity, fsilure to controvert what I alleged repeatedly is deception in banking also denial of loans to unlike other banks chase is a scam artist sending computer generated documents instead of registering as debt collector and by law answering too the cfpb files I pursued instead retaliation vs my mom n their banking'3party, syndicators'chase collectibles, is a very immense sneaky little trick my mom is was POA, n they fig going after her would back me off XXXX chase! their arms had signs n were 'tethering my card by skim yet not giving cash back on those days, returning later my cash was gone .plus online transactions denied I was never refunded never got merchandise n still nothing from chase chase sucks XXXX, n must be severely monitored with how it handles cash n tjat I scam pitch 's pending'is true fraud .for real it 's gone, then thev'ropeadope '' they say ai n't giving it cuz, its all foreigners n breached ATMs, n credit card cracking fraud n much more chase is involved with allowing'nonmatching, name transactions to occur online often n still no refund so yea, I would n't answer to cfpb either their pitiful deny me access to my files n gov, complaints vs hateful groups of lending certain banks like XXXX with costs bikes up north on XXXX XXXX tell u it approved for a bank loan for bike n deny u bike until card comes? unreal like no XXXX XXXX XXXX XXXX loan at all, a and the XXXX bike is raggedly scratch filled hesitant overpriced raggedy, tires too chase something .claims this n that but..it 's aside get locations r nasty. No bike ramp, doors broken unsecure, atms, jammed, skimmed, wjike chase let 's customer loose n Teaches it 's XXXX guys working to snatch the card cut it up n throw it away cuz it 's evidence, as they input piece meal notes like '' covering their tracks in the act of unlawful taking my trust funds .living n letters '' research? " they fraudsters! shut, investigate, staybon chase period their retaliation vs my mom XXXX '' their 3party syndicated groups on my mom to retaliate is heinous XXXX XXXX XXXX chase n chase receivables whom disclosed my mom 's debt to 3party which voided the debt plus they violated the statute with debt collection under USC 42_1692section they all do screw XXXX looser

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions Inc.
State: IN
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 wrote them over three times this is my third letter they are in violation of usc 1681 s-2 15 usc 1681 ( A ) ( 2 ) ( B ) 15 USC 1681 ( A ) ( 4 ) 15 USC 1681 ( A ) ( 1 ) I ASK FOR verification of this debt XXXX is using stall tactics by saying it isn't me but I provided proof that it was XXXX and Experian has yet to respond I have pointed ALL THE THINGS I NEED VERIFIED

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 2017-08-17
Company: GREAT LAKES
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
They left me on income based driven while I was in school three years. And will not adjust my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that 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 non-monetary relief
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: GA
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:
XXXX To : ( XXXX, XXXX, equifax ) Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX From : ( XXXX XXXX XXXX Address : ( XXXX XXXX XXXX XXXX  XXXX XXXX, Ga XXXX ) Dear Consumer finance protection Bureau XXXX XXXX XXXX and Equifax and XXXX Pursuant to the FCRA & the FDCPAI now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 609 Disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. 
Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Fair Debt Collection Practices Act Section 809. Validation of debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: NY
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:
as of XX/XX/XXXX i have noticed fraudelent accounts and inquiries on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt. 
I WANT TO DISPUTE THE 30 DAY LATE PAYMENT this account was paid in full Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$7000.00} {$7000.00} {$7000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 30 Days Current Late 30 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Closed - Closed or paid account/zero balance Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/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