BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-28
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
Last purchase on my Amex was XX/XX/2021 in amount {$3600.00}. At which time I was well within my credit limit of {$11000.00} with a 96.17 % usage. On XX/XX/2021 Amex lowered my credit limit to {$8700.00} thus putting me at 126.72 % usage. On XX/XX/2021. This has unfairly impacted my credit history report by Amex reporting that I am over my credit limit. 
Once again at the time of purchase I was within my right. Amex did not take this into consideration. I have spoke with Amex on several occasions with the last being XX/XX/2021. I was past around to 4 customer service reps and about to be past to a XXXX. I was given unfair options that could not be guaranteed of the outcome or future reporting. I would bier worst impact to my credit report if Amex declined based of information about my income during the Covid pandemic. I asked for 2 options. ( 1 ) restore my line of credit and freeze the account to insure no future charges will occur as the balance is being paid on time in a timely manner. ( 2 ) give me a deferred interest rate so more of may payment can go to the principle instead of interest. Both my request was denied. This has unfairly and unjustly affected me financially because of losing points on my credit score. I have been with Amex for 25 years and I am sure this is happening to many of their customers. 
I am asking to resolve this issue fairly as I have asked somewhere within the perimeters of their company without anything from my part other than my agreement. Once again I kept my end of everything from day one so I should not have to go above and beyond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/XXXX, I sent a dispute in regards to my Identity being compromised and the reporting of erroneous accounts that I have not authorized being on my credit nor did i receive any goods or services stemming from these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Experian Information Solutions Inc.
State: HI
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:
XXXX XXXX has a old account settled in XXXX that keeps reappearing on my experian credit report and it now states its a debt from XXXX settled and XXXX balance. Its a total lie and incorrect. It was from XXXX settled way back then. It needs to be removed. Please make them remove it. Its effecting my 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 non-monetary relief
Consumer complaint received 2021-07-16
Company: Thaxton Investment Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked this company on SEVERAL occasions to stop calling me, and if they must, to not do so before XXXX as Im asleep from working nights. Not only do they still call before XXXX, theyll call me from private or restricted numbers and hang up, call me from personal numbers and hang up, have called me and not said anything and hung up, will call and let my phone ring once or twice and hang up. And every time I call back with screenshots and voice recordings they play ignorant. Theyve been threatening me and my personal well being, and calling me 6+ times a day. I feel like Im being harassed and that I may have to soon change my number to get it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I AM THE VICTIM OF IDENTITY THEFT. I HAVE REPORTED IT TO THE FTC AND TO THE BUREAUS ; I HAVE SENT THE INFORMATION AT LEAST HALF A DOZEN TIMES TO THE CREDIT BUREAU BUT THEY KEEP REPORTING NEGAVTIVE INFORMATION DESPITE IT BEING ON MY LAW ENFORCEMENT RPEORT AND IGNORING THE FACT THAT I WAS AFFECTED BY THE XXXX  BREACH. PLEASE ASSIST ME IN CLEARING MY GOOD NAME AND MAKING THEM ABIDE BY THE LAW!!! 

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

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 2020-11-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On Sunday XX/XX/2020 I received a text message on my phone stating that I had sent a payment of {$2400.00} to a person by the name of XXXX XXXX which I do not know. I logged in to my PayPal account and saw the money transferred but then saw money received in my account also paid by XXXX XXXX but only for the amount of {$2200.00} ( XXXX ). The person who hacked my account changed my chase credit card to my XXXX XXXX Debit card to transfer himself the money and I do not know if the money he sent back to me is legitimate or fake money. I reported the fraudulent activity & unauthorized transaction to PayPal and opened a case but PayPal keeps stating that the fraud committed on my account was NOT unauthorized when in fact it was. Two strange credit cards ( XXXX & XXXX XXXX ) were also added to my account but PayPal refuses to help me with this serious fraud. This appears to be an inside job and for that reason I am filing a complaint with your agency so you can help me with this matter. I have also filed a complaint with my bank and they will perform their own investigation. PayPal is no longer of help and only denies and closes my case instead of reporting this fraud to the law enforcement for a more thorough investigation. If PayPal is NOT able to see any fraud or any unauthorized transactions in my account, that means either the person committing the fraud is an excellent hacker or is an employee of PayPal which mean this was an inside job. I have requested copies of the documents PayPal has used in determining the final outcome of their investigation but have not received anything. I am stressing out and really need the government to step in and get to the bottom of this fraud.

PayPal Case ID : XXXX and XXXX PayPal Email : XXXX PayPal, Inc Attn : Unauthorized Account Access Appeal P.O. XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: MS
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:
XXXX, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Big City Finance, LLLP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Power Finance of XXXX  Texas loan for the amount of {$720.00} on XX/XX/2018 and since then as of today XX/XX/2018 I have paid over {$1400.00}. This is a never ending payment that I can Not afford nor do I understand the fees. I have sent an email requesting they delete my account information. And informed Power Financial they are no longer authorize to debt funds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: EQUIFAX, INC.
State: NY
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:
To anyone that can rectify this situation, I feel it is necessary to let you know that that the companies identified within this complaint have completely disregarded my requests and failed to respond within the required time frame to my dispute letter from XX/XX/2020. I understand that we have a pandemic and these companies may be backlogged but at this point we are at 123 days since I have reached out to these companies. Upon research I learned that federal law requires companies to respond within thirty ( 30 ) days. I have now been waiting for 123 days for a response and have not received one. I am aware that according to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Please address these issues with these companies and ensure they delete these items immediately or I will implement litigation due to the stress and hardship these companies have caused me. These companies have tarnished my character and my standing with creditors and I am extremely frustrated at this point. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Huntington Debt Holding LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My family and friends were receiving back to back calls and voicemails over the course of 20 minutes from a person saying they were from the Information Research Department asking for my address to send me a certified notice. I called the number back and was yelled at by a staff member of a company claiming to be XXXX XXXX XXXX. He forwarded me to his manager who said I owed a debt of {$510.00} to Huntington Debt Holdings LLC and that they were collecting on their behalf. I told him I never received a notice. He said it was sent to an old address of mine but he wouldnt provide me with a copy of the notice that Huntington allegedly sent. He would only provide a copy of a demand from XXXX which does not specify I have a right to dispute. I have called Huntington many times, left voicemails, and emailed. I can not get through to a person to request verification of debt. 

XXXX is threatening to send this debt to collections if I do not set up a payment plan with them by XXXX today. But I dont feel comfortable giving out my account information without verifying the debt. All I am looking for is verification of debt from the actual holder of the debt, Huntington Debt Holdings LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/21 we suffered damage to our house from a car hitting it. I sent my claim to my mortgage company and they said if the check was under XXXX they would endorse it and mail it back so I then can use that for repairs. Once they got my claim check they told me they changed their mind and are holding the check until I provide more details. I have them all the documents required and they refuse to give me my check. Meanwhile I cant repair my house

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2018-05-04
Company: Direct Recovery Services, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Received repeated calls from Direct Recovery Services which were intended for someone else. These are at least weekly and not intended for me. When I called the number back to have my number removed and ask why I was receiving so many calls meant for other people, a man named XXXX XXXX screamed at me, shouted over me and told me I " need to stop barking like a dog, who do you think you are, do you know who you're talking to, you dont talk to me like that '' etc. I then asked for his name and what company he was with. He refused to answer. I then asked for his supervisor. He refused. I asked him again and he said " I tell you what, you can have my name, XXXX XXXX, Direct Recovery Services. Theres no manager here, theres only one person above me and thats the owner of the company and you aint gon na talk to them. '' This was all because I inquired about a calls I receive that are not meant for me. He basically told me to shut up and then maybe he'd answer my questions. I dont know this company and have XXXX debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX, XXXX and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.

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 2021-05-28
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692. I am trying to buy a home. This fraudulent account and fraudulent collection company is destrpying my chance to stop being a renter.

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 2018-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Auto Finance company changing loan and payment dates to credit bureaus ( all three ). Loans is over 8 yrs old and was due to drop off report. Finance company changed dates to keep them on m y report for another 2 yrs. Filled complaint with XXXX to no avail, even though they know this loan originated in XX/XX/XXXXand was due to drop off in XX/XX/XXXXthey are not dropping the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX, XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Beginning on XX/XX/2021, I opened a Coinbase account and transferred {$5000.00} into Coinbase. On XX/XX/2021 I expanded my account to Coinbase Pro. On XX/XX/2021 I added another {$3000.00} to the account. I made a few trades. On XX/XX/2021 I tried accessing my account and was locked out. I contacted Coinbase via every way I could find and only received canned letters saying it was being reviewed. On XX/XX/2021 I attempted to check the status of the " review '' and received a reply saying the problem was resolved and closed. It was not and I remained locked out of my account. I filed another complaint on XX/XX/2021 and other than a confirmation of the complaint, that is the last I have heard. I can not open or even view the status of my accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-21
Company: CITIBANK, N.A.
State: FL
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:
I received an email stating that my credit card account has been closed. I did not authorize this closure. I was not notified until after the account was closed. The company did not give me notification beforehand that the credit account was going to be closed due to in activity. This credit card has been on my credit report for 10 years. By citi cards closing the account, it with ruin my credit. I have tried to resolve this with them but they said they gave notice before hand. I have all messages in the online portal and the only notification i got regarding account closure was after the fact, when they had already closed it. attached are the only notifications i received.

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 2018-06-22
Company: Direct Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My name is XXXX XXXX Direct Recovery Services The ref account # XXXX This company has a computer calling my work cell during regular business hours about a debt that is not mine. I think they got my number illegally.

I want it to stop.

I received text messages from my cell date and time fromXX/XX/XXXX @ XXXX XXXXXX/XX/XXXX @ XXXX XXXX They want XXXX XXXX to call this number XXXX  about a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
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:
I am a victim of Identity theft. Please help me get these items 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 explanation