BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-11
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
ive tried to reach out to American Express in regards to a fraudulent balance transfer of XXXX that took place last year XX/XX/17 to date they have not credited my account for this fraud transaction i informed them on XX/XX/2017 of this matter and also an charge for XXXX they have disregarded my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
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:
This account was reported collection/charge-off and is affecting my score negatively. The reporting of this account is incorrect as I still see a balance after it was chargeoff. I urge your agency to reinvestigate and provide all the missing information. Also, please explain why there is a past due to balance reporting while the report show as a chargeoff? I'm pretty sure you know that it is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Please remove inquiry from XXXX on my credit report. I have attached a letter from 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 non-monetary relief
Consumer complaint received 2020-06-24
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:
Letter of Complaint : Refuse to Validate Debt Beginning in XX/XX/2019, Ive disputed the debt with the major credit bureaus, as well as XXXX XXXX. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, Equifax does not respond, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests. Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 

According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with Equifax claim  to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Paypal Holdings, Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I noticed XXXX charges from PayPal XXXX XXXX that I did not make, ( please see attachments ) so I opened up a claim with XXXX  XXXX XXXX I was told it would take 45 days to resolve the claim, on XX/XX/XXXX I got a notice the claim was denied because XXXX told them I did this myself, on XX/XX/XXXX XXXX  XXXX XXXX reconsidered and paid the claim, but PayPal and XXXX do not want to Cooperate, both companies are telling me to log into my account, the email that the crook used was not mine XXXX from PayPal and XXXX from XXXX both gave me the same email that was used, Ive written and called the executive office of both XXXX and PayPal and both wrote to me and told me to log into my account and resolve the issue but I do not have an account with either them Ive told them this in writing and over the phone, XXXX at PayPal says he called me but could not reach me but I have called PayPal several times and the people I spoke with say there is no executive office and they dont know XXXX and I end up telling them the entire scenario they promise to call me back but they dont follow up

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-20
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
A couple things. On XX/XX/XXXX I applied for preapproval on mortgage loan. On morning of XX/XX/XXXX my credit score was XXXX. Later that afternoon my score dropped by 17 points. Over the next 2 months I ended up weighing my options between 3 different lenders as I was told is good idea. Between the 3 lenders I had like 5 hard inquiries over these past 2 months and my credit score has dropped 54 point taking out of Good and putting me pretty far back down into fair that I fought so hard to get out of for years. 


Another thing that bothers me is because Experian kept me in low XXXX for years even though I was doing everything right I was only able to get a couple credit cards with {$300.00} and {$500.00} limits. So with such a low limit every time I used one my score would drop like 20 points for like 1 hotel room charge saying it showed me as having a high percentage usage even though its only {$250.00}. I would pay the cards off each week but would take a months for my score to climb again. So I ended up not using the cards at all but I couldnt get rid of them because I needed to have open accounts. To me the system has a major flaw in this regard. I make $ XXXX a year and make enough each week to pay all my debt done to XXXX but when I do charge a few XXXX dollars Experian drops my score like a rock and takes forever for it to climb. In my opinion the credit reporting agencies are a joke! But the problem is even though they are a joke things they do have a much greater effect on peoples lives then the things they do.

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 2021-08-20
Company: EQUIFAX, INC.
State: OH
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:
This account was reported collection/charge-off and is affecting my score negatively. The reporting of this account is incorrect as I still see a balance after it was chargeoff. I urge your agency to reinvestigate and provide all the missing information. Also, please explain why there is a past due to balance reporting while the report show as a chargeoff? I'm pretty sure you know that it is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: Experian Information Solutions 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:
Re : Report # XXXX for XX/XX/XXXX Re : XXXX XXXX : XXXX ATTENTION : EXPERIAN DISPUTE DEPARTMENT With all of these inaccuracies how were you able to verify this account XXXX XXXX : XXXX? How are you able to insert the comment meets requirement of the Fair Credit Reporting Act when clearly this listed account has several inaccuracies. It is the duty of Experain to complete a thorough and independent investigation and not just minic what the creditor have listed on all accounts on each credit file. 

I have never done business with XXXX XXXX yet Experian lists an open date of XX/XX/XXXX. How is this possible? How is this accurate? 

If I have never done business with XXXX XXXX how does Experian list a reported term of 1 month? How is this possible? How is that accurate? 

There should not be a credit limit on a collection account yet Experian lists a credit limit of {$700.00}. How is that accurate? 

There should be no late payments on collections account yet Experian lists a late payments status since XX/XX/XXXX. How is that accurate? 

There should be no past due amounts on a collection account yet Experian lists a past due amount of {$390.00}. How is that accurate? 

This account was disputed on XX/XX/XXXX yet the date of status AFTER Experains investigation remains as XX/XX/XXXX. How is that possible? Was there even an investigation performed? Failure to investigate is a VIOLATION!

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 2021-04-02
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have {$7000.00} dollars in my saving account that I can not withdraw because citi bank hold the fund for no reason. I tried to contact the customer service and the customer service asked us to go to the local branch to fix the problem. When I visited the local branch, the front desk asked me to contact the customer service, again. I have been contact with customer service and they kept saying I have to wait for indefinite time. I need the fund and my hard working money in my saving account.

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 2018-06-06
Company: Sequium Asset Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Greetings, I am filling a complaint against XXXX XXXX XXXX also known as Sequium Asset Solutions as well as XXXX XXXX. The complaint is that they never sent me any written notification of a debt or contacted me via email, phone, nothing. No communication at all. I found out about the debt when I applied for a car loan and was completed blindsided that I had a negative mark on my credit report from XXXX XXXX XXXX also known as Sequium Asset Solutions. 

After doing some research and looking into the situation I now know what happened. The original debt was with XXXX XXXX. When I first got my service installed they had the wrong apartment number listed. They fixed it in there system and to my knowledge everything was in order but they ended up billing me twice ( which I was unaware of ). The second bill was listed to the wrong address so I never received any notification from XXXX XXXX about the debt either. I always pay my bills on time and have never had an issue with my service from XXXX XXXX so after spending an hour or two on the phone with XXXX they apologized for the mix up but said since the debt was with a collection agency I would have to deal with them. The agency they directed me to was Sequium Asset Solutions. I was a little surprised since the debt was listed on my credit report as XXXX XXXX XXXX. That's when I found out they're the same company. Anyway, I explained the situation to them to which they didn't care. They just wanted their money and since I wanted it removed from my credit on XX/XX/XXXX at XXXX I paid the amount of {$130.00} in full. Since paying the debt they have neither removed it from my credit report or reported it as paid. It still shows up as an unpaid open account. 

I feel very cheated that I was not given any notification about this debt and therefor had no chance to pay it before it was reported to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
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: Their investigation did not fix an error on your report

Complaint:
A dispute was open and notified that fraudulent account was reflecting on credit report and stemmed from identity theft. I notified XXXX  and they stated that they were going to do an investigation. I received notice that an investigation had been completed and that said account had been removed/deleted but the account was placed back on my credit file by XXXX  stating that they received information from the creditor who told them to put it back on credit file. They advised me that they had not done an investigation and just blocked account per FCRA but the paperwork that they sent me stated a investigation had been completed. I requested the information that was received and they denied me of this information. They are now reporting information that is fraudulent and did not complete an investigation as they said they had done which is unethical and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: EQUIFAX, INC.
State: CA
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:
I am a victim of inquiry issue. 

XXXX : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX I AM NOT SURE WHAT THESE INQUIRIES ARE FOR, BUT I DID NOT GIVE THEM PERMISSION TO CHECK MY CREDIT OR GIVE ME AN INQUIRY. I WOULD LIKE THEM REMOVED FROM MY CREDIT REPORT. I CALLED XXXX  / EQUIFAX CUSTOMER SERVICE AND TOLD THEM ABOUT MY SITUATION BUT THEY DID NOT WANT TO HELP ME OUT AND DID NOT WANT TO TAKE CARE OF THE NEGATIVE INQUIRIES ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I filed with the cfpb, they have closed my account XXXX, but nothing has been resolved. I have a credit on my Capital One credit card, due to my diligence, not theirs and I still can not redeem the rewards I have earned. This is not a resolved or closed account. I have spent three months waiting to redeem my rewards. I have paid Capital One in full every month I have owned their credit card, for many many years. Why am I unable to redeem the rewards I've earned? This is unacceptable on cfpb 's part and Capital One 's part. It is not resolved!!!!!!!!!!!!!!!!!!! ( I have lived at my present address for 19 years, am a XXXX  XXXX  for over 40 years. ) Do your diligence and clear up this problem. NOW This is definitely a case of discrimination not fraud. I've noticed no fraud whatsoever on my credit card and watch it like an eagle. They have copies of my passport, passport card, front and back of my driver 's license everything they have requested after the letter sent. This is way more than 60 days. 

Both the cfpb and the Capital One credit card have not cleared this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Stern Recovery Services, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2018 XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX & XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA Stern Recovery Services INC has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

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 2021-04-02
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This collection company is trying to collect money for an account which is incorrect. My name is spelled XXXX, not XXXX. I was never served any documentation regarding this judgement as the name is incorrect. The date of the debt is 2017, they reported the debt incorrectly well passed the statute thinking they got the right information. It has damaged my fico score, my report and needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: Diversified Consultants, 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: Information belongs to someone else

Complaint:
After checking my credit report back in XXXX, I noticed items on my credit report that did not belong to me. I called the creditors and credit bureaus directly to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls prior to pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have been in communication with the debt collection agency Diversified Consultants advising them that the debt they're saying is mine DOES NOT BELONG TO ME. I have never had a contract with Diversified Consultants- I am not liable for the collection of the debt from XXXX XXXX XXXX as this debt is not mine. I have been disputing this inaccurate information since I first found out about this fraudulent information and they have not removed this information from my credit file, nor have they understood that this debt does not belong to me. This has hurt me severely in regards to obtaining credit. Diversified Consultants states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX XXXX XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). Diversified Consultants has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09
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:
This account was previously deleted from my credit report, However it was never actually removed. The account is still appearing on my reports as a negative item.

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 2020-09-15
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Because of the wildfires in XXXX county OR, power to my home was cut/went out & this caused the septic system to stop working so sewage was spilling into my front yard. On XX/XX/20 I reviewed my online account with American Express to confirm I had roughly {$3800.00} in spending power. The septic company finished working on my system, and when I attempted to pay the {$690.00} bill, the card declined. When I called the company to find out what was going on I was informed that my account was " under review '' and I wouldn't be able to pay the contractor unless I paid them {$240.00} dollars. My payment was NOT past due and again, the online system stated I had over {$3800.00} in available credit. The individual I spoke with provided XXXX solutions in a time of crisis, told me that was just the way it was, and that I had to shell out what little cash I had left to make sure the septic contractor was paid. The complete lack of communication about the reduction in limit, and nonexistent help from the individual on the phone are completely unacceptable ; as is penalizing people who are in crisis and rely on the accuracy of the information provided online by their financial institutions. I was also not allowed to speak with anyone else who could resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: Santander Consumer USA 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:
This account was previously deleted from my credit report, However it was never actually removed. The account is still appearing on my reports as a negative item.

Company response to consumer: Closed with explanation