BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-01
Company: EQUIFAX, INC.
State: SC
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:
Please remove XXXX XXXX from my account for Violations and Inaccurate Inaccurate of open day Inaccurate of payment history Inaccurate balance This is a Violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal permanently limited my account due to false reason which is " sale of unapproved file sharing services ''. All I am doing is Bitcoin trading with XXXX. They did not conduct proper check on my account before they do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have sold bitcoin that I had on Coinbase. They immediately notified me that the money has been transferred via a wire to my XXXX bank account. This was in XX/XX/2017. I  waited a few days before contacting them when the money never showed. It took them about 10 days to send a template response saying transaction has been complete and I was wired the money. Never received it till now. They now stopped responding my request for resolution all together. Very shady to fraudulent operation. They owe me {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Experian Information Solutions Inc.
State: IL
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:
The complaint is against Experian Credit Bureau. They are currently reporting a dismissed chapter XXXX on my credit file, and this should not be there. I have wrote them several times regarding this matter, and they state that the information is accurate, and by law, I can only dispute the same item twice. I contacted the United States Bankruptcy court, in the division of XXXX county, in illinois where the information is from. I wrote them a letter asking them, are they the ones reporting this information to my credit file, and they stated that THEY DO-NOT FURNISH OR REPORT ANY INFORMATION TO ANY OF THE CREDIT BUREAUS. They also sent me a letter stating this as my proof, which I will include with this complaint. So, I sent this letter from the bankruptcy court to Experian, and they still refuse to delete it. when I wrote Experian, and asked them to delete this information from my credit file, they said it was accurate, and that the bankruptcy court did report this information. They are simply IGNORING THE PROOF THAT I HAVE PROVIDED TO THEM. I know that information individuals information is sold to third parties, whom in turn, takes this information and report it to your 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 2020-11-30
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 information incorrect

Complaint:
I have submitted a dispute with Experian for XXXX XXXX University, it is reporting a bad debt starting in XX/XX/XXXX. I last attended this school in XXXX, no balance when I left and I have student loans which covered the cost of the education. I have not been been contacted by the school in XXXX, XXXX, XXXX, and XXXX on a balance. Experian has confirmed the debt but I have not been able to confirm at all with the school and the school has not provided proof of the debt, this debt is inaccurate and needs to be removed, thank you for your help!

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 2023-08-16
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$960.00}. 

XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I couldn't apply for a home loan due to items on my credit report that that doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a credit card from Chase Bank for XXXX years paid it and closed the account it was opened in XXXX and closed in XXXX it has been rereported and the history is until XXXX which is false

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TD BANK US HOLDING COMPANY
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 AM A VICTIM OF ID THEFT, SOMEONE STOLE MY PERSONAL INFORMATION AND OPENED THE FOLLOWING ACCOUNT IN MY NAME : XXXX XXXX XXXX # XXXX OPENED : XX/XX/2020 XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Someone tried multiple times to apply for a capital one credit card and it came to my email. So when I check my XXXX account my credit score ( XXXX ) disappeared. I called XXXX, they couldn't do a dispute because of no score was attached, they said I didn't have any history or anything. So I called capital one they send out an email confirming that I didn't apply for anything with them, they're nothing in my name in capital one. and also that is was a fraud alert. I just recieved my first credit card ( XXXX XXXX ) I knew of not to apply for another credit card because I knew that was going to drop my score but someone keep applying on my name. Messing with my credit and now I have nothing. Please help me get score XXXX back pleaseee..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: EQUIFAX, INC.
State: MD
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 have recently reviewed a copy of my credit report. I noticed that there are several inaccuracies on my report that I didn't authorize. These accounts are violating my rights according to the FDCPA. The credit report agency continues to violate my rights according to 15 USC 1692 d '' Any bad debt furnished on your reports is ruining your reputation and it's defamation of character. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX is attempting to collect a debt on behalf of XXXX XXXX that does not belong to me. The account number is XXXX. According to Transworld Systems , Inc., XXXX is reporting this account to the credit bureau. I have never lived in Texas nor have I done business with XXXX XXXX or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance Owed : {$5800.00}, XXXX XXXX XXXX Balance Owed : {$4000.00}, XXXXXXXX XXXX  XXXX XXXX XXXX Balance Owed : {$1300.00}, XXXX XXXX Balance Owed : {$2500.00}, XXXX XXXXXXXX Balance Owed : {$18000.00}, XXXX XXXX XXXX Owed : {$660.00}, XXXX XXXX Balance Owed : {$230.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, AN XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/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 2023-07-02
Company: Tower Loan of Mississippi, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Tower Loans of XXXX XXXX has filed suit via a Debt Collector lawyer on a debt that I did not owe or sign for. I have not been notified of this debt and they have not validated this debt. The only way I knew that this was happening and that they were fraudulently charging me and attempting to sue was by chance. I was contacted by a local Bankruptcy lawyer looking for my business and was provided with the court filing that included the lawyer filing the suit. I have demanded debt validation with both Tower Loans and the collector, but I am filing complaint asap to get this resolved and stopped immediately. My income is through my late husband 's social security income for our children and not garnishable anyway. However, since they have not provided me with any debt validation and have moved to sue without any contact or warning, I have no choice but to submit this complaint and notify them that I will pursue a suit of my own for their violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
For 2 weeks consumers who hold loans with lake view loan servicer have not been able to make payments, access accounts, or speak to reps within the company. The company has been hacked and has not reached out to the consumers about the data breach of consumer information. I have not been able to make a payment on my loan for a week already. The company lied to the SEC stating they are communicating with consumers when they are not. This has been going on since mid XXXX of XXXX Other financial institutions have been given communication not to do business with lake view until further notice but yet no one has reached out the the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: IL
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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account was reporting inaccurately on Equifax. The balance was reflecting an incorrect amount and instead of removing the account as requested per FCRA law, they updated the balance to {$0.00}. This account has been removed off of XXXX and XXXX and should have been removed off of Equifax as well. I have requested MULTIPLE times for debt validation and Equifax had not provided me with legal proof of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: ALLY FINANCIAL INC.
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
The Customer enrolled in Ally Banks 1 % Cash Bonus Offer which offered a 1 % cash bonus for depositing new monies to my Savings Account at Ally Bank. 

Ally Bank failed to fulfil payment of the cash bonus to the Customer after the Customer had complied with all the requirements of the cash bonus offer ( which is {$500.00} based on a {$50000.00} deposit ). The Customer enrolled on XX/XX/XXXX, made the deposit on XX/XX/XXXX, and kept the balance in the Ally Bank account through XX/XX/XXXX. The cash bonus was to have been paid on or before XX/XX/XXXX. All supporting documents for the cash bonus offer and compliance evidence is attached. 

The Customer called Ally Banks telephone customer care center on XX/XX/XXXX ( Ally Bank Inquiry Case # XXXX ) and XX/XX/XXXX, and was told that no progress has been made in resolving my case/complaint.

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 2023-08-16
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$5100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Capital Accounts, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a dental procedure done from XXXX XXXX XXXX of XXXX Michigan in 2020. I asked the cost before service, paid the amount at time of service. Was then told a month later that they made a billing error and I was responsible for the added cost. This is a classic example of what is wrong with our medical industry. Imagine buying a car and then the dealership telling you a month later it was the wrong price and you owe more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: Commonwealth Financial Systems, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/XXXX an account for XXXX was open through CommonWealth Financi ( cwf ), on XX/XX/XXXX CWF added the debt to my credit collection, which showed me on XX/XX/XXXX through XXXX XXXX. I never got a paper stating I owed a debt for CWF, nor have I received anything from CWF showing I had an open account since XX/XX/XXXX. Ive tried to call but office hours were not active durning that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Valor Intelligent Processing, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ive spoke to 4 employees with the company " Valor Intelligent Services '' asking to speak with superbvisor conceerning their repeated calls yet to no avail. I get lied top and lied to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : Capital One Account # : XXXX I was never late 30,60, or 90 days late in the months of XX/XX/XXXX through XX/XX/XXXX.I 'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
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:
I've contacted each service that's furnishing inaccurate information that's being shared on my consumer report. I made them aware that I did not authorize nor consent to the following inquiries, names, addresses, employer and phone numbers being furnished on my consumer report. I demand that the inaccurate information to be removed and update in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: EQUIFAX, INC.
State: MS
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: Problem with personal statement of dispute

Complaint:
The Bankruptcy Court has no jurisdiction over credit reporting agencies and does not report to any of the agencies. Bankruptcy Court is not an information provider as we do not report any information to these agencies. Under the Fair credit reporting act, take appropriate action to correct inaccurate information on a credit report. What method of verification did you use?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: AMERICAN HONDA FINANCE CORP
State: DC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
On XXXX XXXX, XXXX, I initiated a lease with XXXX XXXX XXXX for a XXXX XXXX XXXX. As part of the acquistion process I paid the XXXX sales tax for the portion of the purchase price I would be capitalizing. 

In XXXX of XXXX I relocated to XXXX XXXX. In conjunction with registering the car in XXXX I had to request a change in the title to reflect the new address. When XXXX processed the change, they began to collect a 10 % use fee in XXXX. The fee is appropriately collected for leases of vehicles delivered to XXXX  residents for the first time, but is waived for individuals who have paid sales tax in another jurisdiction. To repeat, the only change to the title in XXXX was to reflect our new address, in XXXX. HFA has taken this 10 % each month with my automatic payment, which no has my account in a past due status. 

I have spoken with both the XXXX XXXX and the XXXX XXXX. of Taxation and Fianance and clearly this tax does n't apply when tax was paid in another jurisdiction. I have provided HFA with the following information from the District : XXXX Sales and Use Tax Monthly Return Booklet Imposition of use tax A use tax is imposed on the use, storage, or consumption of taxable tangible personal property and services in the XXXX, unless the purchaser has paid a sales tax on the purchase of the taxable tangible personal property or service to the District, or another tax jurisdiction in the United States ( US ) or to a US territory. A retailer that did not resell goods purchased under a resale certificate is liable for use tax for those goods used as complimentary gifts. For additional information see XXXX XXXX XXXX et seq. 

From the same booklet, XXXX is citing the following : Imposition of sales tax A person engaging in business in the XXXX must collect sales tax from the purchaser on : 1. Sales of tangible personal property delivered to a customer in the XXXX ; 2. Services listed in XXXX  Official Code 47-2001 ( n ) ( 1 ) ; 3. Renting or leasing tangible personal property used in the XXXX ; 4.  Charges for rooms, lodging or accommodations located in the XXXX that are furnished to transients ; 5.  Admissions to certain public events in the XXXX ; and 6. Charges for parking, storing or keeping motor vehicles or trailers in the XXXX. 

The disconnect : I was n't a purchaser : I already had possession of the vehicle and had paid tax on it. 

Account status : Past Due : {$470.00} Total Fees Due : {$23.00} Total Amount Due : {$490.00}

Company response to consumer: Closed with explanation