BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 is a closed account on credit report, reporting inaccurate information on my XXXX and XXXX report. Reporting different payment statuses and last active information between the two bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021 I mailed dispute letters to Equifax, XXXX  and XXXX  and all three bureaus did not follow the rules meaning they did not provide me with investigation results within the 30 days that they were supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In According with the Fair Credit Reporting act XXXX XXXX Account # 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 cannont furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX XXXX  XXXX  ran my credit with out permission and in a email they say they can as many as times as they like Please delete this inquiry I did not give permission if not please show me giving them permission to run my credit

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 2021-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Digital fraud Identity theft Harassment My account has been frozen several times without warning or an alert notice Theft of debit card and funds System /systematic error that came from within bank of america According to bank of america agent my account is and has been targeted and seem to be picked up by several individuals Bank of america has unprofessional employees that are not competent to handle customer service calls and issues accurately, and at a appropriate time

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 2019-06-06
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
A while ago I received some correspondence from CITI and I don't remember ever having a CITI card. So I canceled that immediately. The card wasn't in my wallet and I didn't remember applying for the card. Move forward I am on the market for airline tickets. While shopping XXXX XXXX I see while checking out that I would get a {$250.00} credit on my first statement if I opened applied for a credit card. So I did. Purchased my tickets using the card and thought this might be a good card. However, when the statement arrives there is no credit. I call and they said because I had closed a credit card they couldn't give me a credit on the NEW account. Wait what? The first card wasn't even activated, no activity, nothing. The right thing to do would be to honor the advertisement. There was nothing stating if you had a previous account you are disqualified. Buying those tickets that way will have cost me other discounts because I have points to put towards that purchase. I just want this company to do the right thing and honor the advertisement. I am doing the right thing by paying timely they should do the right thing.

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 2023-06-04
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I made a credit card transaction and they are withhold nearly 50 % for 21 days. I checked my limits BEFORE even doing this transaction and was WELL under the amount specified. They claim I have a " reserve '' in the amount of {$2000.00}. There was never an e-mail sent claiming they were updating any of my limits/placing a reserve on my account. There was nothing in my account stating any such limit, until AFTER said credit card transaction was made. I have the screenshots of my account limit area and there is nothing to be found in this area.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I recently sent a dispute letter to XXXX XXXX and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2023-02-13
Company: Netspend Corporation
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Someone has stolen my money off 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 2023-06-04
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not aware of this collection account. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: EQUIFAX, INC.
State: NV
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:
In XXXX XXXX my husband disputed an account with Equifax because they were reporting an account included in a BK with current activity showing up. After weeks of phones calls to the creditor ( XXXX XXXX ) we were able to get them to notify the credit reporting agencies that the account was not included in our BK. XXXX XXXX sent a letter out to all credit reporting agencies to inform them of this. All of a sudden the XXXX account is showing up on my credit report along with my husbands stating that a charge off occurred on XXXX in the amount of {$800.00}. It also states that a charge off in the amount of {$1600.00} also was done. This is also incorrect. XXXX XXXX then sent my husband and myself a letter proving that the {$800.00} was actually charged off on XXXX/XXXX/XXXX not XXXX. Equifax is re-aging the account which is illegal. I am now getting notifications that a new BK is showing up on my credit report which is also incorrect. Our BK was discharged back in XXXX XXXX. The {$800.00} that was charged off is over 7 years of age. Because XXXX XXXX had the account listed incorrectly we were never made aware that this even existed. Our lender is the one that told us about it and stated that this account was showing current activity and listed as a BK and needed to be corrected in order for us to purchase our home. This should not even be on my credit report. XXXX deleted the account completely. My husband added this information to his dispute with Equifax and they just rejected it stating it was a duplicate when in fact IT IS NOT. It included the new information from XXXX XXXX showing that the account needs to be corrected. I have tried and tried to file my own dispute with Equifax online and continue to get timed out or they can not locate my file etc. I am fed up and want this incorrect information fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
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: Account status incorrect

Complaint:
Reporting information that does not belong on my consumer 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 2023-06-04
Company: Resurgent Capital Services L.P.
State: CT
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:
information on report is incorrect. the fraud alerts were where ignored XXXX XXXX company. companies that where reorted to fraud dept. where given access.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I told you people I didnt live at that address. I did that through the CFPB you ignored me telling you that and XXXX information about me to a third party. I had one of my old neighbors, contact the individual that lives in that unit and told him if they received anything for me to please return it to the original sender via certified mail, and I would make up the cost. I have proof, I also have proof you were told I didnt live there anymore. Not very smart of you attached you will find screenshots of my complaint to you through this agency that said I didnt live at The minute you sent something to me with the name of your company on the outside of the envelope which disclosed to a third-party I have a debt you openly and frequently violated the fdcpa. Oh, and I also have a picture of the envelope not very smart.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am unable to withdraw funds from my Coinbase. I am not able to send money for the service that I needed to pay for with BTC, because my available balance shows $ XXXX/ {$200.00}. Since I was unable to send this money right away, I wanted to pull it out and place it back in my bank account. Coinbase says they are to hold my funds for at least 6-7 days. This is an isSue because I now will come up short on my rent as I needed to pay for this service through XXXX. This is illegal and terrible business practice. What right does coinbase have to withhold my hard earned money? How can they legally not allow me to access my funds especially after their service is useless to me currently due to the fact that I can not even send money to other wallets. I am extremely worried that I may face a hefty penalty for paying my rent late. I have emailed them twice and called numerous times. I got no help in the email response, and nobody to pick up the phone. I am finally writing yet another complaint that hopefully resolves this shady business practice.Thats the whole point of a currency, its to create an exchange market for transactions. Coinbase is preventing me from doing anything but buying more crypto in my account. I have a fully verified level 3 account. I have never heard of any company being legally allowed to stop you from closing your account and receiving the funds within it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: KEYCORP
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
During a lengthy conversation discussing the prior CFPB complaint and rectification, I was told that all late fees accrued that were previously not required to be paid until end of loan are now due because they were not rolled into the fixed rate. 

There should be no change to loan terms other than fixed rate amount due determined by loan length. 
While I did make several phone calls to the customer service number and had It previously confirmed, as recently as today XXXX - XXXX advised otherwise today. Branch manager XXXX said it should be ok to pay at end of loan as was always the case, but he was not sure. Customer service agents on phone told me ok to pay at end of loan. 

I did not agree nor was I asked or informed prior to conversion that all accrued late fees would becom due as a stipulation of conversion. 

Please confirm that as always, if we choose to pay late fees at loan end, we will not be penalized in any way on our credit report. Satisfying the minimum payment due within the 30 day period each month is what is required to keep the loan current and in good standing. 


Secondly, an additional amount was found to be payable to us, please clarify where the additional funds you offered were found because of our phone call. 
I do not feel a complete and accurate assessment is being performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Credit Systems International, 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:
A medical collection account from Credit Systems added to my XXXX file after debt validation demand sent via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: PA
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:
Status update XX/XX/2019 reporting charged off ... paid ... .and written off and a bal at the same time these reporting agencies have inaccurate information and is unfair which is a violation of my rights and should be removed immediately ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
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:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account doesn't belong to me..I asked for evidence to prove the account is mine but Equifax did not provide..This error has greatly lowered my credit score..CFPB amp up and delete the accounts XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX ( reported four times  on my credit report which is absolutely ridiculous ), XXXX XXXX XXXX ( reported three times!! ), XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ( multiple entries up to 6!! )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It appears that 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 are found to be opened due to identity theft. The disputed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
A fair resolution to this issue would be to remove all these things from my report immediately. None of these inquiries have been made by me or are of any relation to me. I can not even begin to fathom how long this has been affecting my credit report. Please remove these from my report immediately so I can begin the process of reversing everything that's been done negatively so far to my report. 

10 XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX   XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX / XXXX XXXX XXXX/XXXX XXXX Bankruptcy : Discharged CH-XXXX XXXX Bankruptcy : Discharged CH-XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter out to XXXX XXXX, and Equifax. In the letter, I pointed out several inaccurate accounts reporting on my credit report. It has been beyond 45 days and I still have not received any results from the 3 credit reporting agencies. I have tried contacting the credit reporting agencies but they have not resolved the situation. I believe they are taking advantage of my situation and they are not doing anything to fix the problem. I contacted them on several occasions. even after contacting them, they still have not sent me the results of the investigation. They are in violation of the law because they have 30 days to do an investigation and they are suppose to send me the results of the investigation within 5 days of the investigation. If they can not verify the accounts, it must be removed from my credit report. These inaccurate accounts has been holding me back from several opportunities and it has caused a lot of stress.

Company response to consumer: Closed with explanation