BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 been doing everything in my power to improve my credit rating. It was going well until roughly XX/XX/XXXX. I noticed a XXXX point drop in my credit rating. I tracked it down to the Kohls credit card that I had opened. 
All my credit cards are signed up with automatic payments monthly. Kohls was the same. On XX/XX/XXXX, I spoke to a customer representative who forwarded me to a representative in the credit card division. I was told that when an account is on auto withdrawal, AND the balance goes to {$0.00} Kohls CC system automatically turns off the auto withdrawal. Naturally I was livid because I received NO NOTICE of this event. 
After this automatic shut off I made a purchase and naturally expected the system to do what it had been doing. Again, I received NO NOTICE of the shut off and fully expected the auto payment to work. It did not and payments were late thus the derogatory mark on my credit causing great damage to it. 
I was so livid and XXXX  that I had to get off the phone as the representative did nothing to resolve the issue. A couple of days later I called back to try and get more information. The representative told me that the auto withdrawal was removed by me on the website. That was a complete lie and I told him so. This went from bad to worse. Honestly, I had been working so hard to improve my credit rating that I had to put this issue aside. It was too XXXX. It wasnt until a year later that I could address this issue. 
This bad mark on my credit had nothing to do with me. XXXXhls Credit is the sole creator ( 100 % ) of this bad mark on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25
Company: AMERICAN EXPRESS COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I made a cash transfer of {$72.00} from my XXXX XXXX account here in XXXX on Sunday XXXX XXXX to my friends Amex Bluebird account through XXXX.. not knowing at either end that Bluebird had recently changed their tranaction policies & no longer acceptanced funds from non government & pre-linked accounts. Transferwise completed the currency exchange, & sent the cash to Bluebird, completing it on XX/XX/XXXX. They've supplied the transaction receipt with routing number & transaction reference codes, verifying its completion. Bluebird were contacted, & instead of bouncing the funds back to XXXX they have left us in the dark as to when the money will be refunded to myself/XXXX.. IF AT ALL!!! They at first denied even having the funds, then after speaking to a " supervisor '' they admitted to having the funds but after requesting a reversal of the transaction, THEY SAID THEY COULDNT HELP US! This is after multiple phone calls mind you, multiple hang ups from their end, rude customer service reps who could barely speak English & gave multiple stories as you where the money is & what will happen to it. This is absolute unacceptable & REVOLTING business practice. Ive now read 100+ complaints about Bluebird holding, & subsequently stealing customers funds with said customers left out of pocket & with no further lines of action to take as Bluebird either lie or basically say they wont help. I want my money back. Surely this is illegal practices!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These inquiries are fraud and need to be removed immediately. I am a victim of identity theft and these need to be removed asap. I also filed a an FTC AFFADAVIT which I've included. Please remove these inquiries as they are now causing me substantial harm inconvenience as a consumer.

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 2019-09-25
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:
EQUIFAX HAS A COLLECTIONS ON MY CREDIT THAT IS NOT MINE ACCOUNT : XXXX XXXX -NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted several disputes to Equifax to fix the errors they are reporting. I have provided my passport and drivers license to confirm my identity. Every time I call or dispute Equifax has multiple excuses as to why they are breaking the law. This organization is criminal. Federal law says that information must be accurate. They continue to not fix the error. They are reporting XXXX inquiries on my credit report causing my score to be lower and me to be denied credit. I did not authorize these inquiries. 

They have my personal information incorrect as well. They lied and said that XXXX XXXX validated the information. When I contacted XXXX XXXX they said they could not match me with the information being reported and Equifax does their own internal matching and it is their responsibility to fix it. I have a recorded statement from a supervisor at Equifax admitting it is their responsiblity to remove the incorrect information but she was unable to assist me because she couldn't confirm my identity. 

This is the last chance before I file suit in federal court they have to correct this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Prior Reference : XXXX In XX/XX/2023, I planned to pay-off my mortgage after my HAMP was applied. SPServicing has a website that does not actually allow contact or interaction. I sent emails and eventually I was told to request the pay-off letter on XX/XX/2023. A document was posted XX/XX/2023. I used my bill-pay system to send {$2000.00} for closeout. I realized they must have all funds and I EZ paid the last {$300.00} for a total of {$2300.00}. I called because I require the letter stating I have satisfied the account. I even sent a request to the Ombudsmen. 

On XX/XX/2023, I called because I required the notice to move forward on an action. I was told that since I did not send certified funds, the funds were posted regularly. The representative stated that they will send a request and it will take 72 hours. I took three business days. This placed a delay on my actions.

I called this morning, now the representative states it will be ten days and my mortgage is not considered paid. I said I knew where to contact and hung up. 

This company will have consumers on automated called for payments even when they are not late. Now, that the mortgage is closing, SPServicing want to delay the process. I understand there are steps, but they have verified funds and could acknowledge the completion of payments. 

The Ombudsmen never responded and I fear they will not attempt to make the correction. I was specific that I needed just the completion letter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Circle Internet Financial
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Poloniex deducted my XXXX account by 16 % following a loss amongst margin traders which resulted in them defaulting on their loans ... as a result Poloniex made up this loss by taking 16 % from every users account. See link below : XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XXXX of 2020, I disputed the accuracy of a late payment on my report. I disputed this account with the creditor, XXXX XXXX  and all three major credit bureaus. Unfortunately, my efforts did render a positive outcome. XXXX XXXX  never responded to my request for validation or an exemption for the one time late payment. Under these circumstance, the creditor not responding within a 30 day time frame upon receipt of my dispute, is sufficient means for deletion off my credit report. XXXX  & TransUnion both disregarded the FCRA ruling by not thoroughly investigating this dispute properly. I'm requesting deletion based upon the fact that they did not follow procedures as outlined in 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 2023-10-27
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I tried to use my AMEX gift card and was declined at numerous online stores. I tried calling them and they have a pre-recorded message saying that merchants might decline your purchase because of security reasons.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried to open bank accounts and obtain credit from several different creditors and have been informed that I have an Equifax credit freeze. When I check my Equifax account online there is no credit freeze listed on my credit report. When I call in to verify that there is no freeze they ask me to authenticate my account by uploading my drivers license and taking a selfie, after doing that they tell me that my account is not authenticated, and that I have to mail in my documents. After mailing my documents, they tell me that I don't have a credit freeze. But several different vendors have confirmed with me that Equifax has a credit freeze on my account. This has happened as late as XX/XX/2023. Equifax is either taking retaliatory action against me for participating in the Breach settlement or performing discrimination tactics against me. I want this issue resolved as soon as possible. I want the credit freeze removed permanently from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
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: Old information reappears or never goes away

Complaint:
My old pay off Student loans All pay off XXXX XXXX loans And XXXX Equifax XXXX Three reporting companies Will not remove from my report all Account that are old and pay off And written off account are all pay

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07
Company: Comerica
State: OR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
There were 2 fraudulent charges on my card on XX/XX/XXXX for $ XXXX/each from XXXX. I filed a complaint with Direct Express as required along with filing a police report locally and an FBI report online. I canceled the card on XX/XX/XXXX and was charged {$13.00} to expedite new card. On XX/XX/XXXX I was given 2 Provisional Credit Adjustments for $ XXXX/ea. On XX/XX/XXXX a new fraudulent charge by XXXX for {$120.00} was placed on the NEW card. Did all of the same stuff as I did with first fraud less the FBI report. Canceled the card and again paid {$13.00} expedite fee plus a {$4.00} new card fee on XX/XX/XXXX. On XX/XX/XXXX two {$200.00} Provisional Credit Reversals were on my account. On XX/XX/XXXX two Reversal Credits for {$200.00} were applied to my account. On XX/XX/XXXX XXXX Reversal Debits for {$200.00} each were applied to my account and it now sits at - {$400.00}! The XXXX charge is still currently in a provisional credit status for {$120.00} from XX/XX/XXXX. Due to all of this I decided to find a new banking institution and got all of my money out of that account on DirectExpress mastercard. I've been getting the runaround with DirectExpress and  their customer service is non-existent it takes forever to get a person and then they can't/wo n't do anything to help. Worst company I've dealt with ... EVER they need to be shut down!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-06
Company: DISCOVER BANK
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any investigation results..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: NY
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, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section ( 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include - ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the CONSUMER and the PERSON making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

15 U.S.C. 1666 ( b ) a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: IN
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
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:
account # XXXX is a student loan that was opened in 1987 in which I was only XXXX years old and couldnt possibly be mine. I was a XXXX grader in high school. I was born XXXX, this may be the direct result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These accounts do not pertain to me at all. Please have them removed from my credit report. Please see below the list of accounts : 1. Identity Theft LVNV FUNDING LLC Account number : XXXX This is not mine. 

2. Identity Theft LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX This is not mine. 

3.Identity Theft XXXX.XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX ) Account number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Account number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX XXXX Account number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Experian Information Solutions Inc.
State: VA
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:
experain has humiliated me over and over again. i have disputed and provided police reports and i was told that my accurate police report was a fake. i asked the company did they call and they advised me that they didnt called they just feel its fake. i was so enraged. 

i advised them the bankruptcies on my credit were not reported by the courts and they had different addresses on them. i provided documents from the courts and nothing no reponse

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 2021-11-02
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CCS Collections ( Credit Collection Services ) are debt collectors attempting to collect a debt on behalf of medical services I have not received from them. I am not a party to their agreement with XXXX and I have not agreed to pay anything to CCS Collections ( Credit Collection Services ). 
I have attempted to mail CCS Collections ( Credit Collection Services ) several letters to multiple addresses to allow CCS Collections ( Credit Collection Services ) to validate their debt and the mail was returned to sender ( attachment provided ).

I have no idea how CCS Collections ( Credit Collection Services ) received my private medical information. CCS Collections ( Credit Collection Services ) have once again violated my H.I.P.P.A. rights and is attempting to collect on an alleged debt that does not belong to me. CCS Collections ( Credit Collection Services ) continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. I have proof of a previous dispute from CCS Collections ( Credit Collection Services ) that was removed. 
Please be advised that the address provided by CCS Collections ( Credit Collection Services ) on my XXXX credit report XXXX XXXXXXXX XXXX XXXX, MA XXXX is an incorrect address. 
The address of XXXX XXXX XXXX XXXX, MA XXXX provided by CCS Collections ( Credit Collection Services ) on their website is also not a working address.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: CITIBANK, N.A.
State: NY
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 was offered a balance transfer in XXXX XX/XX/XXXX from citi cards ( XXXX XXXX ). I accepted the offer at {$15000.00} with XXXX interest until XX/XX/XXXX at fee at {$450.00} ( 3 % ). Subsequntly, citi broke the contract by charging me interest XX/XX/XXXX {$100.00} and then XX/XX/XXXX {$40.00}. I informed the bank of mistake. They offered a refund of XXXX It was not acceptable. I borrowed from another card ; XXXX ; made the full repayment of all outstanding balance at XX/XX/XXXX {$13000.00}. The bank only reimbursed me for the wrongly charged interest rate of {$14000.00} but never offered either apology or reimbursment for wrong advertising ; enducing me into the deal ; breaking contractual arrangements or my additional costs. I asked for a refund of {$450.00} fees. It was not given - no explanation from the bank. They made {$450.00} on a 6 - month loan for XXXX - outraougous 6 percent interest - something i would not agree beforehand as i had other attractive means of funding in XX/XX/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 2019-09-26
Company: Early Warning Services, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I saw a nice pair of shoes online and texted the XXXX page. He said right after I pay him he will send me a confirmation mail and mail me the shoes. Right after I paid the merchant he stopped responding to my texts and calls and isn't sending me any mail. Please help me with this scam .please look into it the date was today XX/XX/XXXX by the XXXX page called XXXX handled by this man called XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Bread Financial Holdings, 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: Information belongs to someone else

Complaint:
Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and requests to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Comenity Bank/Victoria Secret a request to block a fraudulent account that is being reported on my credit report. The account in question was not opened by me nor did I benefit from it being opened, it was opened as a result of identity theft. The request was sent via certified mail recorded delivery.

Company response to consumer: Closed with explanation