BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I contacted all 3 credit bureaus and provided my identity theft packet and police report detailing fraud on my credit. Both XXXX and XXXX blocked the fraudulent account ( XXXX XXXX Credit Card ) within 4 days. Equifax, however, filed a 30 day dispute upon which the data furnisher ( XXXX XXXX ) " verified '' the fraudulent account as mine. During the process of the dispute I spoke to a manager in the fraud department with a heavy accent in XXXX that indicated the fraudulent account would be removed because a police report had detailed the fraudulent account after the 30 day dispute was complete despite the data furnisher verifying the account or not. However, upon calling back I was told by several representatives that only another 30 day dispute could be filed since the data furnisher " verified '' the account and that it would be up to the data furnisher to decide to remove the account from my credit profile. This is a direct violation of Section 605 B of the Fair Credit Reporting Act that states that any fraudulent information resulting from identity theft shall be blocked within 4 days by the credit bureaus upon receiving from the consumer a police report detailing the identity theft. Equifax filed another dispute ( Confirmation # XXXX ) and refuses to comply with federal law, specifically the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
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:
Good evening, Paypal closed my account without any reason or warning, i tried contacting them trought on-site support, phone call, XXXX and they refused to assist me or tell me the reason why, also on-site support told me to open a new account ( I have proof of it ), which invalidates the purpose of them permanently limiting my account in the first place. 
They assured me that it was done manually, not by a robot, but the limitation happened on sunday, which im sure PayPal doesn't work on I provided all my private documents that they required on time. 
I rely on PayPal for my bussiness, currently there are no alternatives that i can use, or that exists. 


My email is - XXXX I got permanently limited on XXXX. XXXX Thank you in advance, if you need more information or documents please let me know. 

Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have 3 accounts that have been fully paid off and i keep getting the run around. they jeep telling me it reports on the next billing cycle. they have been paid off for over a month now in full. i have contacted the companys several times and there have been no positive reporting witch is pulling down my credit. none of my reports are matching up XXXX never matches XXXX XXXX, so my scores are less when i should be over 6 on both my reports. its exstreamly fustrating especially when things are paid on time.

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 2019-05-03
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
i have request a lower interest on my discover card, this is the second time, i have request this..and they refuse, the also tell me to buy future stuff so i may have a lower interest. i have a 25.6 % on this card, is very high interest/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
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:
XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX Potentially negative Date openedXXXX Balance {$110.00} StatusAccount charged off. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/1986 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX XXXX XXXX # XXXX is reporting a late in XX/XX/19 that I should not have. I was not late as I took the payment into the store and paid in person. I don't know why it was put on my account as a late as I went in and paid it before it should have been late. I can only conclude it was an error on their part and was not my fault.

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 2017-09-19
Company: AMERICAN EXPRESS COMPANY
State: NE
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:
I applied for the Delta Gold Amex card on XX/XX/XXXX17 with a promise of XXXX Delta miles and {$50.00} statement credit for Delta purchases after the card is approved and {$3000.00} spend is completed. The requirement for the bonus has been completed over 12 weeks and the miles have not been posted to my Delta account or even the {$50.00} statement credit did not post to my account after a Delta purchase. I opened a case with them 8 weeks back and they keep saying that they know of the issue and are still researching it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
date XXXX/XXXX/XXXX creditor XXXX XXXX XXXX XXXX original account # XXXX convergent account # XXXX original creditor XXXX XXXX XXXX  amount owed XXXX total balace 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 2017-09-19
Company: GreenPath, 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:
I hired Greenpath Financial to make monthly payments to all my ceditors and in XXXX of 2017 I was sent a notice form XXXX XXXX that I was late 30 days. I called Greenpath and submitted a dispute to XXXX and I have not been able to remove that late payment nor XXXX XXXX was able to either. I pay my portion To Greenpath each month and they pay my creditors the same day every month, no reason to have a 30 day late Credit Card payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
On XXXX My Credit report shows a Lowes account that was financed Thur GE Capital Bank XXXX XXXX I was writing to Lowes they say it was sold to XXXX XXXX and I wrote them and all they did was change the Account Open date from XXXX TO XXXX Ive wrote to XXXX several times regarding this error and the statute of limitations has passed and this account should be removed off ALL 3 credit bureaus So Im reaching out to you for help Thanks

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 2018-01-08
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Hi, Before I get into anything I just want to say how I do enjoy Coinbase. The service has been amazing. However, it seems like XX/XX/XXXX something happened and I ca n't seem to get a response from anyone that works there. 

I know they are backed up and I would wait longer but the amount that is owed to me {$110000.00} which is a lot. 

Here are the wires that are missing and the ref # s that were put on the emails. 

{$11000.00} Ref # XXXX on the XX/XX/XXXX {$49000.00} Ref # XXXX on the XX/XX/XXXX {$49000.00} Ref # XXXX on the XX/XX/XXXX Each wire was supposed to be sent next day. We are in XX/XX/XXXX. 

Any help would be amazing to get my funds back or anyones attention. All I wanted was some reassurance that I would get it back. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this line item however, I have not been successful.

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 2019-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This incorrect reporting is harming my cXXXXedit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this line item however, I have not been successful.

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 2019-11-06
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have disputed a charge in the amotn of {$9900.00} ; however, Citi does not engage in constructive dialog despite their customer service representative confirming my signed document package was received, later to be told that it was not received by the due date ( XX/XX/XXXX ). Disputed XX/XX/XXXX, send initial information XX/XX/2019 ; XX/XX/2019 ; and again attached in this compliant to process the dispute.

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 2022-01-20
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:
I have sent 6 certified letters to the company and the credit bureaus stating that this card had fraudulent purchases. I submitted a police report, affidavit of identity theft, and identification. They have verified the information as accurate each time which is in violation of 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 2022-01-20
Company: EQUIFAX, 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:
I have sent 6 certified letters to the company and the credit bureaus stating that this card had fraudulent purchases. I submitted a police report, affidavit of identity theft, and identification. They have verified the information as accurate each time which is in violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CAPITAL ONE BANK USA N in violation of FDCPA and FCRA for the following : 1. Failure to respond within 30 days of receiving a dispute letter ; 2. Failure to report the account in dispute with the three major credit bureaus following the receipt of the dispute letter ; 3. Verification of the debt with the three major credit bureaus following receipt of the dispute letter and prior to validation or resolution of the dispute with me. Per federal law, creditors are required to respond within 30 days to a dispute. Per federal law, creditors are not allowed to verify an alleged debt with a third party prior to validation or resolution of the dispute with the consumer/disputing party. Finally, per federal law, if an account is under dispute or investigation, the creditor is required to document such status on the account with each of the major credit reporting agencies. 



TITLE 15 CHAPTER 41 FDCPA STATES ATTORNEYS ARE FRAUDS 15 USC 1692a ( 3 ) THE TERM NATURAL PERSON 15 USC 1692e- FALSE AND MISLEADING REPRESENTATIONS 15 USC 1692c ( d ) YOU ARE THE SOLE PERSON IN CHARGE 15 usc 1692k MONETARY VALUE 18 USC 8 TELLS US ALL OBLIGATIONS ARE FOR THE UNITED STATES NOT THE NATURAL PERSON.

28 USC 3002 ( 15 ) TELLS US THE UNITED STATES IS FEDERAL CORPORATION UNDER JUDICIARY LAWS An affidavit unrebutted stands as Truth. 

Affidavit uncontested unrequited unanswered ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ) ; Cert XXXX Denied, XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) An Affidavit uncontested unrebutted unanswered, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, clearly states at point # XXXX that " uncontested allegations in affidavit must be accepted as true ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My bank is Bank of America. My name is XXXX XXXX. Me and my husband found a room for rent on XXXX. The seller said that they owned the property but they lived in another state. We had to send them the security deposit and then they would send us the keys and give us a tracking number. We XXXX 'd this person the security deposit which was XXXX XXXX They gave us a tracking number to a website called XXXX which showed progress of being mailed but turned out to be fake. I'm furious because we tried sending this person the money the first time and it didn't go through. We thought we didn't put in the information right at first but we later learned from the bank that this person tried one bank which was apparently flagged for suspicious activity and then when we tried to send the money the second time it went to a different bank and it went through. I thought banks share information with each other i mean i can't even start a bank account if i owe a DIFFERENT bank money.

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 2018-06-05
Company: Experian Information Solutions Inc.
State: NY
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 had a fraud issue 7 or 8 years ago and put a freeze on all three credit bureaus. I now need to purchase auto insurance and my insurance company needs to look at my credit bureaus. 

So I need to temporarily removed my credit freezes. I was able to do this at XXXX and XXXX easily and was able to speak to a customer service representative at both bureaus even on Sunday XX/XX/2018 to resolve the few issues I had. 

The problem is I can not get the freeze removed from Experian. The website doesn't work and provides no options to speak to a live person. I have tried 5 different phone numbers listed below. Most bring me to the same machine that can not do this for me and like the website provide no alternative to speak to a live person. 
XXXX XXXX XXXX XXXX XXXX So my credit file remains locked and I am unable to get the car insurance I need as a result. This is without question the most frustrating issue I have dealt with in many years. This company has my credit file hostage and there doesn't appear to be anything I can do about it. 

I would very much appreciate any help you can provide me. 

Thank you

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 2022-01-20
Company: NAVY FEDERAL CREDIT UNION
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:
I called Navy FED at XXXX on XX/XX/XXXX to inform them of unauthorized inquiry on my consumer report., they didn't fulfill my demands to delete the inquiry. I sent to letters certified mail to XXXX ( Tracking ID : XXXX ), XXXX ( ( Tracking ID XXXX ), AND XXXX ( Tracking ID : XXXX ) to inform them of my privacy being infringed upon. The big 3 consumer reporting agencies would be held civilly liable as well. There are some inaccuracies being reported on my consumer file and all companies involved have been put on notice by me. 

By obtaining my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, NAVY FED is also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I have not initiated any transaction with NAVY FCU ( Finance ). Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) NAVY FCU ( Finance ) for review or Collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: Experian Information Solutions Inc.
State: NJ
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:
Please remove these inquiries XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. 

Also I need to update my tuition assistance bill I paid XXXX but its not on the report. I will attach all information I already have a XXXX XXXX card i didn't apply for a 2nd one and the others I have no clue. Im looking for a mortgage but these are not mortages. Please dont add a fraud alert it doesnt help anyway. I need to get a mortgage so I dont want a fraud alert. Please I dont know whats going on. Please remove these 4 inquiries and update my tution assistance balance to 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