BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-22
Company: Experian Information Solutions 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 information incorrect

Complaint:
The 3 major credit bureaus are reporting medical bills infringing on HIPAA protection rule, they are also reporting balances on my credit cards even when my credit cards are paid in full every month ( which they are ).

Since I requested for my personal information not to be sold and or distribute to advertisers, my credit score when down from over 800 to below 700. This is an unfair practice and it must be investigate.

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 2020-09-08
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Citibank Visa card issued for Costco. I was charged automatically on the bank card in XXXX for Coscos annual fee. I never received any notification by mail phone or email until XX/XX/XXXX ( text ) saying i owed money and needed to make a payment immediately. Calling them trying to get it Resolved I was constantly transferred around and then eventually disconnected. Also trying to do it online becoming disconnected. Still am not receiving a statement of any sort or any resolution other than to pay the late fees which has more than doubled the amount originally charged. Also trying to cancel the card with no success.

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 2018-09-24
Company: EQUIFAX, INC.
State: SC
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:
For ten years the same issues has occurred and Equifax hasn't paid one dime of restitution for the their error filled reporting, their failure to protect consumers, and their irresponsible reporting of others information on this consumer. This is creating personal as well as financial hardship that ought to be compensated. Through their insecurity of credit reporting information they have continually reported others information on my credit report, allow some person or entity to open up an account in my name without the benefit of their own social security number but reporting on my report. 

I demand these items be removed immediately Department of the Treasury account number XXXX, this account belongs to social security number as verified by this very entity ending in XXXX, not my social security number. 

In respect to reporting of an account stated as XXXX XXXX XXXX, this account was opened with social security number XXXX, not mine, which indicates a deliberate act from an address I don't live at, but still reported on my credit report. 

Im in the middle of getting a mortgage, and these irresponsible and inaccurate reporting is affecting my loan, I demand they removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27
Company: Experian Information Solutions Inc.
State: CO
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:
I have a {$300.00} Credit limit and I made a one time authorize online payment to XXXX in the amount of {$40.00} using my sons account. XXXX later deducted a total of {$1300.00} within a three month period. XXXX XXXX refunded a portion leaving {$910.00} for XXXX to resolve. XXXX return the funds into the account but held me responsible for the {$910.00}. Once I seen it on my credit report I reported it immediately to XXXX they did a investigation which determined I would not be responsible for any charges due to fraudulent activities in XXXX. XXXX removed the account off of my credit report after almost a year in some months of causing me financial and emotional stress fighting this. XXXX then sold the account to XXXX XXXX whom has now added the account back onto my credit report causing my credit score to drop again making it hard for me to provide for myself and family.

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 2021-02-24
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 closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital one is reporting on my credit inaccurate information. They are reporting my balance is {$23000.00}, when in fact my balance is {$22000.00}. They are also reporting I have two missed/late payments, this is inaccurate and the dates are XX/XX/2019 and XX/XX/2019. 

I have sent letters to the company and disputed the information numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Since XX/XX/XXXX coin base has stolen XXXX from me and has locked me out my account and also haven't responded to my email resets or email complaints about monies missing and being locked out account. The first incident ( XX/XX/XXXX for XXXX ) my currencies was transferred out of my account they said I sold my investment and the 2nd incident ( XX/XX/XXXX for XXXX ) I had currencies in my account and now I am locked out account and assume they have taken these monies also. Coinbase also attempted to steal money out of my banking account which is another story. They do not respond and do not have a customer service phone number. I think they use to their cpu/a.i. system to run scams on customers to take their monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: ERC
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A company called XXXX XXXX XXXX has been charging my account for 7 months in the amount of {$36.00} totaling {$250.00} I have submitted this to the fraud dept of bank of america, but as this company sent back a response with nothing more than my info that they had on file to charge me, bank of america is denying claim. I have escalated this claim and no response as of yet. 
Also and email attempts and or phone call attempts go unanswered when I try to contact this company. 
I don't know this company, have never given them my info, and it has been obtained thru fraud that any charges ever went through to this company. They havs my wrong address and wrong phone # that I have had for over 2 years and the address they listed was from about 10 years ago. 
XXXX is the # they have listed, when you call it automatically hangs up. 
XXXX goes unanswered.

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 2018-02-20
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I am complaining about this item called XXXX that I see online is an auto finance company that needs to be removed immediately. Please delete this misleading information in order to show my true credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: Synovus Bank
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 status incorrect

Complaint:
Spoke with representative at credit card company Synovus Bank XXXX XX/XX/2022. The company refuses to help me fix a reporting error, which originated from their reporting. 
Synovus Bank is intentionally reporting inaccurate information - activity on a closed account, which is further damaging my credit profile. 

Explained to representative that my credit report is showing a closed account ( card was lost ) with one late payment and, the replacement card/account with one late payment. 

Rep stated only card ending in XXXX is updating. I kept explaining to representative while reviewing reports that the old card which was lost is still reflecting on credit files, with an update on XX/XX/2022! He did not believe me. 

Explained to representative that I am being assessed two late payments, and therefore, the account which is closed is being reported inaccurately ; it should be removed. 

The replacement card carried over a late payment, and the old card is still reporting as if I have two cards with two late payments. 

Placed me on hold several times. Unable to help and argued that there are no updates. 

XXXX and XXXX are reporting these inaccuracies and will not investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: EQUIFAX, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is reporting on my credit report for XXXX XXXX ( a payday loan company ). In the state of Arizona pay day loans are illegal. I 've contacted XXXX and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08
Company: Experian Information Solutions Inc.
State: AZ
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: Didn't receive services that were advertised

Complaint:
I have been paying {$19.00} a month for Experian IdentityWorks Premium Membership, and I have been a member since XX/XX/XXXX. The primary reason for my willingness to pay for this service was the benefit of having Quarterly 3-Bureau Report and FICO Scores ( All benefits listed below. ) However, Experian has not produced an updated Quarterly 3-Bureau Report and FICO Score since XX/XX/XXXX. 

I notified the Experian Membership customer service of my dissatisfaction near the end of XX/XX/XXXX. The representative I spoke to ran through all the possible troubleshooting that the representative could provide, and they said they were going to open an Escalation Ticket. They said someone would get in contact with me via email with a resolution, so I waited. Then at the beginning of XX/XX/XXXX, I called again and asked what the status was of my ticket, and they ran me through the same script and said someone would be in contact with me soon via email. The only difference was this time ; they agreed to refund the prior three months of membership fees that I had paid for the service they had  not yet provided. I was told I would see a refund of XXXX XXXX on my card in 7-10 days. The only thing I noticed was my fourth monthly membership fee charged to 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 2018-02-20
Company: Bronstein & Weiss Arbitration
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:
Keep calling. Threatening to sue. Garnish wages. Call place of employment. Family and friends.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-13
Company: SCA Collections, Inc.
State: WV
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:
The debt in collections was paid in full on XX/XX/2020. This should be removed from my report and my score updated.

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 2023-07-07
Company: FinCo Services Inc DBA Current
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Yes my account was closed back in XXXX I have been reaching out to this bank about my available funds in the account because my account was compromised and I was told by the merchant my refund was sent to this account. They will not tell me anything keep saying its under review but in reality they dont want to give me my funds out on my account its been 3 months they have no number to call then them dont respond back to emails! Im upset because I have been patient waiting on my funds out of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act, XXXX, XXXX, and Experian have violated my rights. 15 U.S.C 1681 section 602 A. states that 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX has a medical bill from XXXX XXXX XXXX that shouldnt be on my report. It is illegal to share hospital records. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All the above accounts were shared without written permission and I am demanding they be removed from my credit report immediatly

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 2020-09-08
Company: Harpeth Financial Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have had a open line of credit with Advance Financial 247 Online for  over a year. At the onset of the COVID situation I called to make payment arrangements or to see if they could offer any type of assistance, as I was not able to make my regular {$440.00} bi-weekly payment. The customer service representative was very kind and set up my payment arrangements for {$200.00} and this went on for about 6 weeks. I missed one arrangement due to being at ER, by one day and ever since then they have been taking unauthorized payments out of my account citing that it was due to the broken arrangement. It has now been over six weeks since that broken arrangement ; I have been in constant contact with the lender to confirm my " arrangements '' and each time they have taken payments in advance of the date that I promised to pay and additional payments within 2-4 days after citing that it was due to no arrangements being set. 

Example : I set an arrangement for payment of {$200.00} for XX/XX/XXXX. The lender initiated payment on XX/XX/XXXX for XXXX and another payment of {$370.00} on XX/XX/XXXX. 

They have done this 3 times ( approximately every 2weeks ). The very first time caught me off guard. When I called to dispute it, I was told that it happened because after they took my scheduled payment ( days  before it was scheduled ) that there was no arrangement in place, so they took the regular payment. I wasn't happy with the resolution, but let it go and set up a new payment arrangement. They did the exact same thing with the subsequent events, each time I called 3-4 day prior to confirm that there was record of my arrangement, clearly to no avail. 

As of XX/XX/XXXX, I have verbally revoked their ability access funds in all of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: MI
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 sent a letter multiple times to XXXX, Experian, and XXXX. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: DE
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 unemployed and not receiving unemployment benefits because of the intensive wait due to the pandemic. I initially a benefit that I purchased on my credit card which is credit protection. However, my payment was reported as late. 

Per the cares act the account is supposed to report as it was prior to delinquency if arrangements were made. 

XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I am trying to get a freeze letter payoff from Bank of America to purchase my new home. They are holding me up and I am in jeopardy of being sued called the bank manager and I get a run around, I can be sued if I breach on my new home with this payoff letter please 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 monetary relief
Consumer complaint received 2020-09-08
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: Personal information incorrect

Complaint:
This is my second attempt to have incorrect items removed from my credit report. The accounts listed below are being reported inaccurately on my credit report and it is in violation of The Federal Law. You 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. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter  to enforce my rights under the FCRA : XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX   XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/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 explanation
Consumer complaint received 2021-02-23
Company: AMERISAVE MORTGAGE CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Company approved my Refinance loan but never closes XXXX XXXX - Loan application was summitted with documents, acknowledged by the company and I paid {$500.00} as advance payment towards lender closing costsXX/XX/XXXX, even after 90 days, the Lender does not send final closing disclosures. The draft disclosures were all with mistakes and fed back to the lender. 

Complaints to their customer care was of no use I am losing money very month, due to the delay, as my interest rate currently is high.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation