BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
State: MA
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 Ii sent a letter regarding inaccurate and unknown items on my credit report, to this day over 60 days ago, I have not received a response yet. I feel like I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) It is blatantly state that failure to investigate these items within 30 days, gives reason to immediately remove those items from my credit report. It has been over 60 days so the items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted in the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Financial Credit Service, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently have been receiving phone calls from a collection agency called XXXX XXXX XXXX stating that they purchased my debt for a credit card from another agency. 

I haven't received any letters or notifications on any attempt to collect this debit. In addition the person that I spoke to a XXXX XXXX stated that they have been mailing the letters/notices to me for the last 8 years to me but the address they had on file was incorrect as I have not resided at the said address for 8 years! 

In addition Mr. XXXX threatened me and stated that they were going to take me to court and that they were going to garnish my paycheck immediately if I did not give him by banking information to start making payments. 

I checked my credit report and did not find anything that is in collection or past due. I have also checked into the company and have seen several statements made that they are scamming people into paying for debts that are either several years old or that they do not even owe!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Checkr, Inc
State: MO
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: Public record information inaccurate

Complaint:
There is a report that I received a speeding TICKET in Illinois on XX/XX/2016. I wasnt anywhere near Illinois in XX/XX/2016. I was down south when it states that this ticket was issued. I have no idea of how this ended up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
ApproximatelyXX/XX/XXXX I contacted a American Express operator by phone and inquired about obtaining a new American Express card. The Operator recommended The American Express XX/XX/XXXX Card. I applied and was approvedinstantly for the new card. That same night I used the new card to make a purchase with it connected to my XXXX account for {$500.00}. From what I understand there was a sign up promotional bonus of I think {$200.00}, available for this card if I spent {$1000.00} with it. In the next month or so I did use the card and I believe I spent over {$1000.00}. Later I learned that American Express would not be making this promotional bonus available to me. I signed up for the card to use the card in general as any one would.When I inquired about the promotion, I was not given a reason for it not being made available to me.Many times in the past when I have talked to American Express operators I have been offered sign up promotions to upgrade cards. Sometimes with a hard sell. OccasionallyI accept, but mostly I don't take the operators up on their offers.I feel misledand defrauded by American Express, I don'tunderstand their reasoning. I still am getting sign up bonus offers from American Express on my accounts. I feel American Express defraudedme.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The following addresses are listed in my name with XXXX XXXX, Equifax, and XXXX  : XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX University I do not own the above properties, nor have I ever lived at any of the above addresses. I also have never attended XXXX University. Please ask them to remove the addresses, and XXXX University from my credit report, and any monies owed to XXXX or XXXX. As I have asked all three credit bureaus to remove them, but have been unsuccessful for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
Hi I have settled my XXXX XXXXXXXX account, my capital one account and my XXXX  accounts. They are all telling me they cant remove them from my credit even though Ive settled and paid as agreed. Please help me remove them as negative remarks on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a victim of the 2016 " XXXX  Data Breach '' identity theft case.

My SS, driver license information was illegally used to open multiple unauthorized accounts under my name.

My bank ATM/Debit card was cloned/stolen and was used for unauthorized transactions on multiple occasions.

For this reason, I was forced to change my cell phone number, close all my bank accounts, notify the IRS, all credit bureaus, and notify the respective authorities.

I did not authorize any transactions on rafter this date, and I did not authorize anyone else to use my ATM/Debit card in any way.

I am notifying you, according to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost or cloned/stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. 

I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : List of unauthorized transactions.

I am attaching a copy of each of the following documents to this letter : 1. A copy of my Identity Theft Report which includes : my FTC Identity Theft Report IRS Notice CP01 Police Case/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 2020-07-07
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
during the covid-19 pandemic my state issued me a prepaid card to fund my cares act. the company www.goprogram.com never sent me card, or it was sent to a wrong address. the only way to access the program or order a new card, is to have the original card number, ( i never received a card so how can i know the number? ) ( i never received correspondence from the go program company, so how could i know my pin? ) All this same info is required when you call them, and if you do not have this info the system will hang up on you. You also need this info to do ANYTHING online, again i NEVER received a card, therefore, how do i know my card number? or even how would i be able to even set a pin? there is no possibility of any customer service, and there is money on the card that belongs to me, that i need! i can not access this government money. I can not speak to any one, i was able to switch my payments to direct deposit, but not before payments where added to that card, i need that money i need a new card, i have sent a hand written letter to the company weeks ago, with no response, so i need to file this complaint, i am worried about other citizens that can not access the money, due to clerical errors and disregard for human customer service at this company " Go Program '', i implore you to try your self Call XXXX, try to see if you can speak to someone regarding a lost card. you won't

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Over the weekend, I received an email from XXXX  that my credit limit on a credit card was decreased significantly. Upon my return from my trip, I signed on and noticed that Fifth Third Bank had reduced my credit limit from {$8000.00} to {$4500.00}.

I was given no notice as to why this happened nor do I understand why this happened. I reached out to customer service but they were unhelpful. They couldn't even tell me why this happened only that I should have received a letter, which I never did.

I pay my cards on time. I have no delinquency on my credit report. I have not lost my job. I have a six figure income. I've never used more than 50 % of my credit limit and now with this absurd change, my utilization has gone to 98 % thus affecting my credit report and single handily sabotaging my mortgage approval process, of which I was in the middle of. 

I have been a good customer and never had any issues so this is not only absurd but uncalled for. No other card issuer has done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello I have attempted 4 times to resolve my situation with the credit bureaus. Below I have listed the companies that are trying to collect debt XXXX  : XXXX XXXX XXXX  Transunion : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Bank, XXXX  Card, XXXX  XXXX, XXXX XXXXXXXX : XXXX Bank, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, According to Federal Law, the unverified items listed above still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, they stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 



The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2018-07-16
Company: Experian Information Solutions 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 shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX XXXX I was never late 30, 60, or 90 days late in the months of XX/XX/XXXX and XX/XX/XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.

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 2018-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I had thought this situation was resolved. I was on my XXXX XXXX and see XXXX/XXXX XXXX says I have a balance of {$440.00} with a XXXX limit. This account was paid for and closed to my understanding so I do not know if there was fraud involved or what the situation is. To my knowledge I do not owe them anything. They are saying that I had months of late fee 's however I had paid this off and closed the account so how can I have late fees after the account Is closed? 

I am hoping this situation can be resolved so that my credit can appear accurate. 

If I do owe anything it would be very minimal but I don't believe I owe them anything for the reasons stated above. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Good Morning, I have reached out to XXXX on XXXX/XXXX/17 to remove all the following listed below due to similar reasons the three major credit reporting companies XXXX, XXXX and TransUnion will enforce stricter rules on the public records they collect, requiring each citation to include the subjects name, address and either their Social Security number or date of birth. Nearly all civil judgments and at least half of the nations tax lien records do not meet the new standards, and will be eliminated from consumer credit reports.

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 2019-02-25
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: Credit inquiries on your report that you don't recognize

Complaint:
From my credit report from Equifax and XXXX there is credit inquiries that I did not make. XXXX XXXX on XXXX XXXX saw XXXX as well. Equifax has inquiries from XXXX XXXX credit Card XXXX Also XXXX XXXX. I did not make these inquiries. Please take them off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31
Company: CAINE & WEINER COMPANY, INC.
State: VT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Representative by the name of XXXX XXXX called my personal mobile number to attempt to collect debt that is not mine. I address the concern and asked not to call again, but she was rude and abrupt. I asked to speak to a manager but she released the line. I want to address the compliant and request that her and/or the organization does not call me. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello my name is XXXX XXXX. I am writing this letter in regards to the information listed below that you are reporting on my credit. I am unaware and would like to dispute the inquiries and XXXX XXXX XXXX as an internal dispute. I realized that you have violated my rights by not taking the proper steps in verifying the information listed in this message. According to FCRA section 609 you are suppose to provide the verification steps on how you verified these items listed. Also I would like to know who performed the verification prior to placing these inquiries and items listed in this message. Please provide me with information on the verification process please. This is my second attempt to resolve this matter and I will gladly and kindly attempt to aim at litigation on the third step if these items arent removed. Ive contacted the companies below and no one attempted to contact or replied back for more than 60 days. 
1. XXXX XXXX XXXX 2. Equifax Mtg 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Hi my name is XXXX XXXX and I need to Dispute some late payment report history with capital One It's showing 3 months late.I. became behind due to covid 19.Another dispute I have is with XXXX XXXX  with some late payments due to covid 19 as well. the account is XXXX/XXXX   XXXX # XXXX and Capital One is Capital One Bank Usa # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
1.XXXX  XXXX XX/XX/21 I checked my personal credit report, and I noticed an unauthorized inquiry had been made. 
I contacted TransUnion, and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business

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 2019-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2021-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The following account is not mine CAPITAL ONE BANK USA N Account number : XXXX Date opened : XX/XX/2017 Please remove it from my credit report This was unauthorized and against the law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31
Company: Integrated Asset Recovery LLC
State: FL
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:
Portfolio Recovery LLC have been calling me twice a day tying to collect on a department credit card account that has been closed for over 15 years. I have told them that I don't owe them any money and that they need to stop calling me. I have also written to them and stated the same. They are still calling.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-07
Company: AES/PHEAA
State: GA
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:
Dates of Service : XX/XX/2012 - XX/XX/2012. Didn't attend for months specified on credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have bank accounts and credit cards with several different banking institutions and utilize online banking apps with each. BBVA has the worst online banking app platform. It is not user friendly and difficult to navigate. When attempting to make a credit card payment on the app, I received a message that there was an error and the payment did not go through, so I attempted to make the payment a second time on their website. Still another error message. I then called and made the payment with a representative the same evening. He said there was no payment made online nor did he see any attempts. Naturally I made the payment with him. A few days later, 3 payments were taken out of my bank account!!! I was hit 3 times with a very large credit card statement even after being told by a BBVA representative that my previous two attempts did not go through. I have additional complaints about this bank but will submit a second complaint separately as it deals with COVID. I am a XXXX XXXX and XXXX XXXX XXXX by occupation and will never the recommend this bank to my clients or the community. Their online banking system and app is outdated and light years behind the rest of the banking industry. 

Each time I have called I have made it a point to let the representatives know how difficult and non-user friendly their online banking system is. More than one representative told me that they get that complaint a lot. I asked them to please note my specific complaints so their technology department could receive the feedback.

Company response to consumer: Closed with explanation