BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been paying my credit card with my bank debit card that way its paid on time, but Capital One changed to just routing and account number, which took longer to process and made my account have late and overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-22
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
It was an inheritance account of around XXXX XXXX fees were extremely high and I would like a further look to see if I was charged justly. There was little to no action.

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 2018-11-19
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
State: MN
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:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've held my XXXX XXXX card account uninterruptedly since 1982, as is evidenced on the front of my current XXXX card. I've had a continuously solid payment history with XXXX for over 38 years. My XXXX card recently changed from a XXXX XXXX  to a XXXX XXXX XXXX  card, but my length of continuous credit with XXXX XXXX remains at 38+ years. The problem is, my current credit report lists my " Length of Credit History '' as only 14 years ( that is the length of time I've held my 2nd-oldest card, a Visa through XXXX XXXX XXXX XXXX ). This erroneously-shortened length of credit history is having a negative impact on my credit score, lowering it by several dozen points. Please correct my length of credit history to reflect all my years of solid credit with XXXX XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: FL
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 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 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX  and XXXX  ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by Experian, XXXX  and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and more than 3 months since my second written request and I still have not received any responses.

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 2023-07-06
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:
The Credit Bureau has violated 15 U.S Code 1666b in continuing to report inaccurate late payments. Please remove all lates from the following accounts, XXXX ACCt # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
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. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I sent a letter via mail XX/XX/22 to Transunion asking for documentation in regards to 4 inaccurate accounts reporting on my report. These accounts when I attempted to dispute them came back as validated by Transunion. It is now XX/XX/XXXX and I have not received ANYTHING from Transunion. These are still reporting negatively and are drastically effecting my credibility and defaming my character.

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 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was disputing inaccurate items that was placed on my credit file. I have reached out to the credit bureaus numerous of times to have the items removed or corrected. I also had reached out to the creditors to have that account removed. I was told over the phone to reach out to the credit bureaus and ask them to remove the items. The credit bureaus violated my rights because they failed to respond to my disputes. I have sent dozens of letters and I haven't received anything in the mail from the credit bureaus showing that they even open up an investigation. I have checked my credit with different credit monitoring to see if they have started but there wasn't any comments showing that the items was in disputes. I had mailed letters off certified and the tracking shows that they have received the mail. My credit score is continuing to go down because the credit bureaus refuse to maintain the laws of the fair credit reporting act and remove those items off my credit file. This is causing much hardship and pain and suffering. I have had multiple anxiety attacks because I can not get a car nor a good job to support my family because of the multiple inaccurate items that's on my credit file.

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 2021-05-20
Company: Southern Oregon Credit Service, Inc.
State: OR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX calls and a court request for debt that was owed. On phone calls I was advised of medical bills then another bill for towing and storage of a XXXX that I have never had or owned. When trying to dispute the towing and storage fees the agent got really disrespectful and said that I just need to produce a bill of sale which I advised I was not able to cause I have never had this car. I am now being garnished for {$2600.00} case # XXXX. I have called and spoke with XXXX in Oregon and was advised that the car was never in my name and was in salvage yard as of XXXX and collection agency is trying to state that the towing and storage occurred in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: IA
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:
See attached. Equifax has decided it is above federal law and decided to illegally continue reporting this account on my credit report, while both XXXX and XXXX have removed the account. I have already sent a similar packet to XXXX that I had notarized, and they STILL decided to conduct business illegally and not remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
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:
I have attempted to get the credit agencies to remove this account. The credit agencies are now in violation because the statue of limitations has expired on the account listed below. 
ACCOUNT NUMBER XXXX XXXX  - XXXX Date Opened XX/XX/2013 This negative remark should have already been removed from 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 2023-07-21
Company: EQUIFAX, INC.
State: LA
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 initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07
Company: BlueChip Financial
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
They constantly called me and threatened to come to my place of work and my home. Told me I could go to jail if I do not pay. They called my husband and did the same and he is not on the loan. I told them to mail me information as I did not remember this debt. ( which now I do ) They never nailed me anything and have been calling for a year. They just stopped when it showed up on my credit report. They are horrible outfit and should be shut down. If they had been nice in the phone and mailed me the info on the loan, it would have been very different and never got this far. I had a bad gambling habit at this time and had at least 13 payday loans out. I settled with all of them, except this one which I thought I had settled. It was a very difficult time and I am trying very hard to get things straight. This place has caused several stressful days with their calls, telling me I owed way more than I borrowed. Spotloan only loans {$800.00}. I have paid Spotloan thousands of dollars with the outrages interest and told the collection company I would not pay any interest and I do not trust this place to say it is paid, if I did pay them. They are the devil. I had no problem with the 12 others I dealt with.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

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 2019-06-07
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
RE : AMEX account # XXXX XXXX XXXX I have been an American Express Card holder since XX/XX/XXXX ( nearly 50 yrs. ) and that will now end. 

American Express has breached their agreement with me, by discriminating against me, deliberately providing me with untruthful statements, and using a scheme which is known and approved by their CEO XXXX XXXX and board-members for the sole purpose to deter customers to contact them who have a complaint or who have been cheated by American Express. 

Facts : - For 50yrs.I have Never had a payment returned -Never violated anything in our agreement -American Express themselves consider me to have been an EXCELLENT customer One of the primary perks or features for American Express cardholders is the fact American Express credits the available balance immediately after a payment. They are one of the few who do this. XXXX is the other. It is the most courteous consumer benefit which separates American Express with most other banks. 
-I have always enjoyed this feature, many times if i needed to make a purchase above my current available credit and also take advantage of my rewards points. I could simply make the required payment amount and use the card for the purchase immediately. 
-On XX/XX/XXXX ; I made a payment for {$1900.00}, not a large amount of money. Immediately as it has always done, my available credit increased to reflect the payment amount. That being {$1900.00} ( credit limit is {$6000.00} ). 
-I then attempted to pay my ATT bill for {$950.00} and was declined. Soon after my available credit was removed. 
-Used the American Express Chat feature, spent over an hour hearing the AMEX rep. Lie to me time after time. Finally a supervisor came on and confirmed the information I was provided earlier was untruthful. 
-I attempted another payment for {$500.00} just to prove my account had been restricted. Again the payment was not credited. 
-Therefore I contacted my bank to make sure those payments are not honored, American Express I have recordings and copies of my chat conversations which will clearly confirm all my claims

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: IMMEDIATE RECOVERY GROUP, INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
a phone number has called me and my family and my JOB saying I am being investigated and will be served papers and a complaint will be filed in my county ( which nothing has been filed ) I called the number back to ask what the name of the company is and they would not tell me who they are. All they said is they are the division of processing and kept asking me for a case number. She refused to give me a company name. I do receive threatening call like this all the time. In the past I paid two loans off and it was to a scammer instead of the proper people. It seems I am on a list forever and ever now of con artist trying to extort money from me. XXXX XXXX has also contacted me threatening the same message.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-20
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Shortly after XXXX I open an account with Coinbase to trade digital currency. After setting up the account and sending them a small test deposit I wired a larger amount for {$10000.00}. When I attempted to trade they required a second level of identification verification. That step failed and I have not been able to either complete the trade or get my money back from them. For over a month now they have kept my {$10000.00} in Hold and I have not been able to access it. They have told me to open a support ticket and has been open for over a month now. Phone support does not help and they keep telling me it has been escalated to the highest possible level. It is not right that they have been keeping my money unavailable for this long. They provide me no other solution then to just keep waiting. I am more than willing to provide them any information they require

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These 2 hard inquires were made with out my permission and I want them removed from the credit reporting agency. 

Equifax XX/XX/17 XXXX XXXX - XXXX Equifax XX/XX/17 XXXX XXXX XXXX

Company response to consumer: Closed with explanation