BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Consumer Financial Protection Bureau : In XX/XX/2019, the Capital One credit card ( 10 years their customer ) reported to the 3 credit bureaus false information about my payment that according to Capital One was for {$3.00}. On XX/XX/XXXX and XX/XX/XXXX, the same report was placed by Capital One for {$170.00} twice. The same report was reported 2 times which gave me 2 negative remarks and All 3 bureaus have wrong data on my credit report, which shows missed payments for XXXX but on two accounts. I contacted XXXX XXXX by phone ; however, there was no manager or any other supervisor to speak. I have spoken to many other customer representatives who gave me totally wrong information about my payments, accounts, and could not answer any question. Also sent two letters without any answer from the Capital One claim department. All the wrong information lower drastically my credit score and ruined my credit for next many years. For a person to have a decent life, each individual must have a roof above the head, food, a car, and a job. But in order to have that the credit score has a huge impact on all things we can afford. As of now, my credit report was excellent for many years, please see attachment. 
I am asking for a positive result in this case. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft. I did all the paperwork and sent them in to the credit reporting agencies. They have never removed the accounts and attached my paperwork to the disputes I requested. They have not given my copies of the verification report. All these processes are required by the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-02-24
Company: Experian Information Solutions 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 status incorrect

Complaint:
I have been trying to correct incorrect information XXXX XXXX is reporting on my credit report. Several times now, they return responses that are long and rambling and they regurgitate facts not related to my complaint. They appear to be trying to subvert this process by supplying nonsense responses. They are not addressing the inaccurate reporting in my credit. Further they tried to subvert this process by saying I had the wrong company when I fact I supplied the information that showed they were the right company. 

They continue to I accurately report my credit as an active account accruing interest and penalties but my account was and is a charged off debt that is unable to accrue interest and penalties. They are not reporting my credit correctly.

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

12. Validate Account XXXX Account Number : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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 if 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 2023-02-16
Company: Coinbase, Inc.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX, I went to XXXX XXXX XXXX in XXXX, NJ and used my Coinbase debit card to pay. The amount was {$47.00} + {$10.00} tip = {$57.00}. ( Receipt attached. ) A few days later, while the transaction remained pending, the charge had changed to {$230.00}. I gave it about two weeks to correct because the charge was pending. After two weeks, I reached out to the restaurant and they said that the charge is completed on their end and I would have to reach out to the bank. 

Afterwards, I reached out to Coinbase, and they told me I have to go to the merchant because the transaction is pending and can not be canceled. I had gone back and forth multiple times with no resolution. 

After about a month, the total of the charge updated to {$57.00} - the correct amount. However, my account balance still reflects minus- {$230.00} - and the transaction remains pending. 

I keep on following up with Coinbase, and their response is always, were looking into it and will reach out when we come to a resolution. This issue has been going on for over two months, and at this point they no longer respond to my emails about this issue. 

Attached is a copy of the receipt, a screenshot of the transaction taken from the Coinbase app and another updated screenshot taken today which clearly shows both amounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I was notified via text message that my Bank of America debit card had been compromised and charges were made on my account for {$550.00} in online purchases. When I went onto my online banking app right away, I learned that two checks - one for {$1100.00} and one for {$940.00} were cashed in my name. A few days later on XX/XX/XXXX I was notified by BOA that two payroll checks for businesses in PA and MO were cashed in my name - those two checks totaled {$3800.00}. 

The first two checks were cashed at a Bank of America, XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Missouri. The person who cashed these checks made a fake copy of my license. I was told by Bank of America. 

I was credited the {$550.00} in debit purchases, but Bank of America refuses to give me that money, as they say that my account is still {$3000.00} in the negative. My account is in the negative because my identity was stolen, by someone that clearly is not me. My husband also mistakenly transferred money to my frozen account ( to help me pay bills ) and BOA refuses to give me that as well, as the account is frozen. 

I have filed a police report, as well as reported by identity theft to the FTC. My FTC Ref No is 1XXXX. The police report number is XXXX Bank of America has not given me any updates and only says that are " investigating ''.

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 2023-12-22
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Back in XXXX I was involved in an auto accident. My insurance at first was attempting to total the truck and not try to fix it.. So the insurance communicated to ally financial ( the auto loan company ) and told them total loss so at this point my auto loan is up in the air and I knew this. Well the process to fix my truck and appeal the total loss took from XXXX to XXXX when my truck was finished. So I get my truck back and try to call ally and they tell me sorry but my account was insurance charged off I said no sir I have my truck and its fixed they than proceeded to tell me that they couldnt reverse the charge off and when I asked why I wasnt contacted before it went to charge off they said its not up to them to tell me status changes. I tried having them look into it further and to be fair with me since it wasnt me who dropped the ball here. XXXX and ally did all the communication and left me out of it. Than I get stuck with a XXXX charge off on my credit that I couldve avoided had they given me a chance to save it. So while my truck was in the shop from XXXX to XXXX I didnt pay my note because I thought it wasnt getting fixed Well when they decided to fix it they used the timing against me and said well its too late. All of this was stressful as I called ally and XXXX every other day trying to figure out what was happening with my truck and the note. They told me not to worry XXXX  would cover what insurance doesnt pay, so on and so forth. But I feel like I was trapped into now having a charge off on my credit and ally wont help or take any accountability for their mess ups and lack of communication.

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 2021-07-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Portfolio Recovery is reporting a debt for {$230.00} that I do not owe. I recently took a look at my credit file and noticed this debt reporting. I have checked with my attorney general and know that this debt is past the statute of limitation in Texas. I have no obligation to pay this debt and Portfolio can not come after me regarding this debt. Please remove this immediatley, if not I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting 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 identity theft please remove this fraud inquiry 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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
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 Account name : # XXXX  has violated my rights.

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 if 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 2022-01-15
Company: The Bureaus, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I wrote to The Bureaus Inc disputing a collection posted in my account and requested for more information, specifically validation on the debt. I sent the letter via certified mail ( USPS tracking number XXXX XXXX XXXX XXXX XXXX ) and it was delivered on the XXXX of XX/XX/2021. In the letter, I also requested the company to Cease and Desist from reporting this debt to any XXXX XXXX XXXX. 

On XX/XX/2021, I received a letter back from The Bureaus Inc, stating that they had received my letter requesting debt validation and they provided a summary of the debt and attached credit card statements showing purchase ( what happened to privacy? ). 

On XX/XX/2021, I responded back to The Bureaus Inc, advising that they had still not provided any proper validation for the collection account in my Credit Report and that they were violating my rights as a consumer for not providing this information. They had also not deleted the account from my Credit Report and the language used on the letter had violated several consumer laws. This letter was sent via certified mail ( USPS tracking number XXXX XXXX XXXX XXXX XXXX ) and a return receipt was also included. I received a return receipt signed that The Bureaus Inc received my letter on the XX/XX/2021 

As of today, XX/XX/2021, I have not heard back from The Bureaus Inc, and they are still reporting the collection account on my Credit Report. 

How am I supposed to pay an account that can not be properly validated? This could possibly be a fraudulent account that they can't even prove is mine. I asked for a signed contract and nothing has been provided. I need your help resolving this as I'm not getting anywhere with this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im begging you please remove this to the 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 2022-11-01
Company: CDS Debt Relief, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
on XXXX, I spoke with XXXX XXXX and by the way I have spoken with him and his supervisor XXXX on several occasion and when I would ask them for some kind of paperwork or just even call my creditors, they said they have but when I spoke with my creditors, they never heard anything from XXXX XXXX XXXX, CDS. All three of my creditors are now in charge off and I asked them for my full refund because this company have not and did not do what they promised, I can be reached at XXXX and yes i have their number XXXX, thank you for your help with this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-19
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I currently have an outstanding debt with American Express. I understand that I am behind on payments and their job is to collect this money. However, I received repeated phone calls, voicemails, and my grandma also received repeated calls. Again, no big deal, I understand this is their job. I wrote a check to American Express with a note stating to cease all phone calls, I want to only communicate in writing. The check was cashed, so I know the letter was read. The check was cashed on XXXX19. However, on this same date I received another phone call, after the check was cashed, after they received my letter. They did not cease phone calls until I again had to contact then and threaten suit for violating the FDPCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recieved a copy of my credit report an saw these accounts, i tried disputing them with the companies themselves but i have not been successful.The following accounts i would like removed from my credit report : XXXX XXXX {$28000.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
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: Information belongs to someone else

Complaint:
I recieved a copy of my credit report an saw these accounts, i tried disputing them with the companies themselves but i have not been successful.The following accounts i would like removed from my credit report : XXXX XXXX {$28000.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX  XXXX {$230.00} XXXX XXXX XXXX {$130.00}

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 explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While having my morning coffee, I checked my credit report. I noticed it appears to be accounts listed on my file Ive never had or open. Ive been a victim for identity theft. Ive sent letters to All Credit Bureaus. My letters seem to be going unnoticed. Ive also sent in a ftc report. Which you will see it attached to this complaint. Its a large amount of inquiries and accounts and address and inaccurate name on my file. 

Name Wrong XXXX XXXX, & XXXX XXXX, Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Dept of Ed XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Fraudulent Accounts 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX {$1300.00} 3. XXXX XXXX XXXX 4. XXXX XXXX  Please See Attached Ftc Report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX XXXX XXXX a false statement unauthorized transaction a false statement to get money back is bank fraud to his own Bank XXXX XXXX  XXXX XXXX XXXX used to be a authorized user to my account the discover XXXX

Company response to consumer: Closed with explanation