BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected or deleted : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$980.00} U S DEPT OF EDXXXX XXXX XXXX XXXX {$3200.00} U S DEPT OF EDXXXX XXXX XXXX : {$9900.00} U S DEPT OF EDXXXX XXXX : {$6500.00} U S DEPT OF XXXX XXXX XXXX {$1400.00} U S DEPT OF XXXX XXXX : {$5400.00} U S DEPT OF XXXX XXXX : {$6500.00} U S DEPT OF XXXX XXXX : {$4700.00} U S DEPT OF XXXX XXXX : {$7100.00} U S DEPT OF XXXX XXXX XXXX {$4000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX : {$0.00} XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: USCB, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
USCB AMERICA is mistakenly reporting a collection on my credit. My heath insurance would have covered my cost at any XXXX locations. Also, I was never notified about such bill. Had ai been, I would never let a {$300.00} bill ruin my credit. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a pre-paid American Express Gift Card at a local XXXX for {$72.00} XXXX attempted to purchase goods at two online stores ; XXXX XXXX and XXXX. I had sufficient funds for both purchases. Both were declined. No good reason other than to " select a different payment method ''. 

I contacted both merchants and they claimed it was an Amex Gift Card issue. 

I contacted American Express and they stated it was an issue with the merchants and I should try another online store. 

Several online discussion boards are posting hundreds of comments that it is virtually impossible to use an Amex gift card online. 

This is fraud

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX & XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I want you to know that I missed the payment on my account due to my being seriously sick and hospitalized. I have lost out on job opportunities because of these late payment remarks. 
This is ALL because of the COVID-19. I also could not close a home for my family due to this situation. I am really depressed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: DISCOVER BANK
State: FL
Product: Credit 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:
The company responded to the case that I had filed with CPFB and they provided false information. I did not accept all fraud charges as valid and only charges that were mine were valid. This is not done and I want them to actually help me solve this issue that has been going for a year and they have not resolved it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: SYNCHRONY FINANCIAL
State: NC
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:
payPal is continuously putting a debt of {$220.00} on my credit report which makes my credit score decrease. They have done is at a minimum of 3 times. The first time was XX/XX/XXXX, then XX/XX/XXXX and now XX/XX/XXXX. I am sick and tired of them. I have submitted all 3 times the same bank statement showing that I paid this. I want them banned from having any future reporting with this amount or any amount associated with these transactions made during XX/XX/XXXX XXXX. They are damaging my credit score repeatedly and I want it fixed immediately, whoever is going back and attempting to collect more monies is committing fraud and should be FIRED!!.

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 2023-09-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 


I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 


I further remind you that, as in White v. XXXX Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: Kikoff Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Someone fraudulent open account with my information and Im trying to resolve this problem but they the company have no real human being customer support

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRUIST FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I cosigned a consumer loan with another person. The remaining balance on the loan was {$3100.00}. The principal on the loan filed for XXXX XXXX  Bankruptcy in 2019 and listed the holder of the loan as a creditor in the bankruptcy plan. I was not informed about the bankruptcy and I later learned that I was not listed as a co-debtor in the bankruptcy. The XXXX  XXXX Bankruptcy plan was approved and the holder of the loan agreed to receive payments under the plan. 
I learned about the bankruptcy when I tried to get a loan a year ago. My loan application was rejected because of the bankruptcy. I requested a copy of my credit report. I was surprised to see an adverse entry on my XXXX credit report for that loan. I contacted XXXX by telephone and mail to protest the entry and to ask for an investigation. Subsequent to my request XXXX informed me that there was nothing they could do and that I needed to contact the lender. They have kept the adverse entry on my report. I contacted the lender by telephone and email but it will not take my calls or respond to my messages. 
I did not file bankruptcy nor was I listed as a co-debtor in the principal 's bankruptcy claim. The lender never contacted me to demand payment. Can a creditor adversely report a debt on a cosigner 's credit report without first demanding payment? Does a creditor lose its rights to demand payment from a cosigner when it agrees to accept payment on an owed debt under a bankruptcy plan? Should a cosigner on a debt, that is part of a bankruptcy plan, for which he is not a party, be subject to the same adverse credit report as the debt 's principal?

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: 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX  account # XXXX ; XXXX/XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX XXXX XXXX account # XXXX & XXXX ; XXXX XXXX account # XXXX XXXX XXXX ; XXXX XXXX XXXX  account # XXXX & XXXX XXXX ; XXXX XXXX XXXXXXXX account # XXXX & XXXX ; XXXX XXXX  account XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX ; XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX & XXXX XXXX XXXX account # XXXX & XXXX ; XXXX account XXXX XXXX ; XXXX XXXX  account # XXXX & XXXX has violated my Rights 15 U.S.C 1681 Section 602A States, I Have the Right to Privacy 15 U.S.C 1681 Section 604A Section 2 or 15 U.S.C 1681A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction ( s ) 15 U.S.C 1681b, permissible purposes of consumer reports, subject to subsection ( C ), any consumer reporting agency may furnish a consumer report under the folllowing circumstances and no other in accordance with the written instructions of the consumer to whom it relates 15 U.S.C 1692C, communication in connection with debt collection without the prior consent of the consumer given directly to the debt collection or express permission of a court of competent jurisdiction, a debt collector XXXX not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery and Associates are claiming that I owe them {$6800.00}. I have sent them 3 letters dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking them to provide a contract with them or anything to validate this date bearing my signature. They have not been able to provide this information but they continue to report this on my credit report. 

They have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

They are liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. They did not mark my complaint as disputed but marked it as resolved without providing my signature on a contract. 
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

They have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts. 

I have certified mail receipts dated XX/XX/XXXX, XX/XX/XXXX ( should be XXXX ) and XX/XX/XXXX. The one dated XX/XX/XXXX has a tracking number of XXXX XXXX XXXX XXXX XXXX was actually received on XX/XX/XXXX at XXXXXXXX XXXX which is mail fraud. It was held so they could buy more time to find my signature which they do not have. 

They are required by law to remove this from my credit report or face legal action for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) 5. ) Mail Fraud This false information on my credit report is costing me in higher interest fees and I am being denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, 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 Office of XXXX 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 without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: BBVA FINANCIAL CORPORATION
State: CO
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:
On XX/XX/2020 I called BBVA customer service at XXXX XXXX  to voice my frustration about a late fee they had assessed will their bills did not allow adequate turnaround time to pay an unexpected annual fee, and spoke with a representative for 32mins and 57 seconds ( including hold times ) regarding my concern. The representaive stated the late fee on the bill plus another late fee not yet billed were removed. I asked that my account be closed, and the representative stated I had to go online, print a paper form, fill it out, and mail it in - I did just that. On a subsequent letter dated XX/XX/2020 BBVA confirmed my account was closed and confirmed my account balance was {$0.00} XXXX see attached ). I believed the matter to be closed until on XX/XX/2020 I went to close my savings account which had been used to secure the credit card mentioned above. Neither the bank teller nor manager could explain why {$110.00} had been deducted by the credit card side of the company on XX/XX/2020. I called the card customer service at XXXX and spoke for 19 minutes, and had to call a separate department at XXXX for over 45 minutes. Between these two representatives, I learned that BBVA decided to reverse the late fee removal, allow additional late fees to accrue totalling {$110.00}, and change the status of my closed account from " Closed by Consumer '' to " Collection/Chargeoff ''. This was done without my awareness and without any letter or phone call to me whatsoever. After the representatives both consulted their managers, I was given an apology and told the bank would return my {$110.00} within 5-7 business days. On XX/XX/2020 I was left a voicemail by XXXX with the BBVA Client Care Solutions Department and told that she determined this was not a banking error and that I would not get a refund. I tried to contact her by phone and email, but never was able to reach her nor get a return call/email. How is {$110.00} in late fees in XXXX without documentation even justifiable for a {$40.00} annual fee that was paid immediately upon receiving their bill XXXX XX/XX/2020 ), let alone the fact they reported to me in writing that my account balance was both {$0.00} AND now closed on XX/XX/2020? They said one thing on phone, but are trying to rip me off in reality. Please hold the bank accountable and help me get the refund of {$110.00} of bogus fees! Thanks so much!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I disputed my medical debt with XXXX and XXXX under the XXXX XXXX XXXX and they both removed this debt from my credit report due to a violation of my HIPPA rights. Experian is refusing to remove after disputing despite me making an attempt which is also violating my HIPPA rights. Ive sent out a letter to Experian about this matter as well on XX/XX/2023. Im attaching the letter sent and proof that the other Bureaus such as XXXX and XXXX has removed this debt from my 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 2018-02-05
Company: Coinbase, Inc.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Here is the exact email I sent to Coinbase to figure out where my {$1500.00} wire transfer is. It was completed by my bank on XX/XX/17 and I have still not yet received my funds. This is unacceptable and I believe your Bureau has had to deal with this many times : Hello, My name is XXXX XXXX XXXX. I sent a wire transfer on the date of XX/XX/2017 and have not received funds in my coinable/XXXX account. The wire was sent from a bank located in the United States for {$1500.00} and should be credited to my account already. I understand that your company has been struggling to keep up with these wires transfers but I've seen on XXXX forums that international users have gotten their wires deposited into their account in a few business days. It has been too long and I want to know where my funds are. I work closely with the office of the ombudsperson at the XXXX XXXX XXXX  and do not want to take this case to the next level. It would truly be a burden for the both of us. So if you could please look into the situation as soon as possible I would be more than grateful. If not, I will have to take legal action. 

Thank you, XXXX XXXX XXXX This was the first email. Ive sent multiple emails and only get automated responses about a specialist looking into it. But no results yet and it has been over a month. Ive emailed, called, and posted to forums many times but have not yet received my funds. I am a XXXX XXXX   and that money is very important to me to survive and be able to pay for school. I need it ASAP to cover

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions 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 have to them to send me the original contract with my signature they still havent deleted it off 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