BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Public Records XXXX XXXX XXXX Superior Docket # : XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX / Date Filed : XXXX/XXXX/2009 / Type : Civil Judgment Ph. ( XXXX ) XXXXCurrent Status : Paid / SatisfiedXXXX XXXX Court Docket # : XXXX XXXX XXXX XXXX XXXXr. XXXX, CA XXXX. ( XXXX ) XXXXCurrent Status : Paid / SatisfiedXXXX BANK # XXXX / Current Status : Consumer reported ; not my account? 
XXXX XXXX XXXX, # XXXX / Current Status : Consumer reported ; not my account? 
XXXX XXXX XXXX, # XXXX / Current Status : Consumer reported ; not my account? 
XXXX # XXXX / Current Status : Consumer reported ; not my account? 
XXXX XXXX # XXXX / Current Status : Paid in Full / XXXX Balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I have opened a few American Serve prepaid cards in 2019. I loaded money and used them to pay for bills, hotel bookings. In XX/XX/2019 I booked a few hotels for my vacation with the cards bu putting down deposits. The vacations were later canceled in XX/XX/2019 due to personal reasons and the deposits were refunded to the cards automatically. However American Express Serve card company thought the credit from the hotels not from the original refund and restricted my access to my own money in these accounts. 
I have called them numerous times but they refuse to give me my money back. 
They are also charging monthly fees on these account after the accounts were frozen. 

We need our money back and this company is unethical for freezing their customer 's money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 itinually contact XXXX XXXX XXXX regarding the account, the account is closed and was removed from credit report, in XX/XX/XXXX only to reappear on XX/XX/XXXX status, closed but account is reporting charge off, collection or derogatory account status on credit reports, and reporting late payment, causing hardship, effecting my credit score. I filed an FTC Report # XXXX disputing XXXX XXXX XXXX account that was fraudulently open in my name XXXX XXXX, I contacted XXXX told them once I discovered the account, in a attempted to resolve the issue, this account is fraud and should be removed from all credit reports. I also called and sent letters, file complaints about address, incorrect names and inquires which are not mine, only to get little to no results of removal from credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was solicited for a loan against my CD. I never wanted it and have been trying to get out of this predatory relationship and they keep stalling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
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:
I am so disappointed how Transunion investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP 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 2021-09-14
Company: Experian Information Solutions 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:
XXXX Creditor Agreed to remove charge off from my credit report once paid in full. The account has been paid in full and is still on my Experian Credit report. 
Account 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 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 called Transunion today, XX/XX/XXXX, and spoke with a representative who said they could not take these unknown inquiries off my account. The inquiries are as follows : -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 2017-11-23
Company: Experian Information Solutions Inc.
State: NJ
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:
Payment was made over the phone But for some reason reported it as a late payment

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 2016-12-19
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Under the Fair Credit Reporting Act, XXXX U.S.C. XXXX I have the right to demand that Credit Bureau 's disclose to me all of the documents that they have recorded and retained in their file at the time of a request concerning the accounts that they are reporting in my credit report. I requested copies of the documents that they have in their files that were used to verify them. 

If they do not have any documentation in their files to verify the accuracy of these disputed accounts then they should delete them immediately as required under XXXX XXXX XXXX a ) ( XXXX XXXX ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties they are damaging my reputation and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: The CBE Group, 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 status incorrect

Complaint:
CBE is reporting a debt on my credit file that I no longer owe. This debt was past the statue to limitations in Utah however, I called and settled this debt. I am now asking that they provide me with a deletion letter. I am aware that you can provide this to me and no one else. I am aware that CBE reports to the bureaus as they deem necessary and that they can provide me with a deletion letter. Please do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021 I purchased GYEN coin which were deposited into my Coinbase account. Within a few days, the price of GYEN went up and at that time I sold all my GYEN for over {$550.00}. Almost a week later, Coinbase confiscated the profits from that trade which were still in my account by taking {$550.00} worth of coins in my account and sending to themselves. They have stated there was an error they corrected and that this problem, including my complaint, has been resolved internally and Coinbase has not communicated any further with me. I want my money back which Coinbase has robbed me of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Experian Information Solutions 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:
The 3 credit reporting agencies are reporting a bankruptcy. And will not release how they verified the results.I have a letter from the county house that states they do not relese any info to 3 rd party company's.And all of my search companies like lexes nexus is frozen.This is the 3rd time they have not followed the rights of the fair credit reporting act.And have violated my rights.Please help me have these accounts deleted 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 explanation
Consumer complaint received 2020-05-03
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
using Lowe 's Advantage card I made online from lowes.com purchase of products which occurred XXXX XXXX.The order number was XXXX with total of {$2000.00} via web page. The website indicated that the shipment will deliver in two weeks period. When I have received package, there were four items priced {$130.00} plus tax was missing and I was thought it maybe in different package so waited one extra week hoping delayed arrival. However, my remaining package did not received. For that reason, I directly had called customer service and they said will investigate and told me let me in 60 days. In mean time I ask them I need the product and they said, " you can order the same item and will reimburse you later. '' Then I had purchased the items using the same card and picked up from local Lowe 's store. 
After that they denied my inquiry and told me that the carrier left at your door no signature required and you are responsible to pay adding on to my account. I have been contacting them telling the fact that we have package theft problems.Having no choice, I have been paying with the interest while looking resolution and keep asking them. Recently I had sent a letter, again investigated and told me to ask carrier but, they said it is delayed. They need to tell on time, if they are responsible.And also I went local court to file small claim and said that if they are not local business couldn't help. To go federal court, I have to have lawyer, but lawyers ask lots of money that I can not afford, even some of them not take it. i am an XXXX, but XXXX  US citizen. I am faithful to my religion, my country, I need anyone 's money. I also shouldn't my own for business I did not used.

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 2020-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX Collection Agency has violated the code of ethics and they're also in violation of the FCRA. XX/XX/XXXX This agency appeared back on my credit reports after some time. The tactics they have been using should be illegal. They have been manipulating 2 different acct numbers to act as 4 different accounts with different dates and balances. They use acct # XXXX, acct # XXXX acct # XXXX and acct # XXXX. For the past 3 mths claim information has been fluctuating. Every time i dispute their claim a piece of information would change for their benefit. I contacted them via their website and they had 1 collection in my name it was the # XXXX acct and that acct didn't even mirror what was on my reports. They used 4 acct numbers to appear as 2 accts and wasn't even accurate with with important details on all reports. One time using the exact same acct #, the exact same date and exact same balance on my XXXX  report and at times they used 2 different addresses at the same time. On XX/XX/XXXX. I told them they were violating the code of contact and violating the FCRA. They retaliated by making a ton of accounts using the same account number, making up claims, using the original collector 's ( Capital One ) name and logo and maliciously flagged my account with a public comment. All of those accounts they made up stayed on my credit for weeks until the investigation was over. I was denied credit because of them. I was approved for a Capital One card then a week later denied because of them. That collections agency hasn't contacted me one time since they claim they had debts owed by me but as soon as i said i was going to report them they stopped making false claims and they sent letters with REAL and FULL account numbers. As of right now they stil have different collections start dates than they originally had. I read Capital Ones 3rd party agreement and they are not following their wishes. They were supposed to contact me and help me settle my account, my account was to be charged off and to stau closed, they opened the accts back up without my knowledge and they wasn't suppose to use Capital Ones name to collect a debt. They knowingly made up fake accts just to hurt my credit. I had to purchase credit protection from XXXX  to stop them.After what they've been doing to me, violating the code of ethics and me getting denied credit when i shouldn't have, I don't feel like i owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-03-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
In XXXX XXXX the Georgia Department of Revenue issues a state tax lien for taxes owed for two specific years. The lien was issued in error due to my checking account information being entered into the system incorrectly by the Georgia Department of Revenue Customer Service Representative. In XXXX XXXX a monthly payment was established and required me to submit a voided check and a signed agreement for a monthly withdrawal regarding my tax payments. The requested documents were received and payments were to automatically withdrawn on the XXXX day of each moth beginning on XXXX XXXX, but instead a tx lien was filled in error for non-payment. The Georgia Department of Revenue was contacted several times in regards to this lien and refused to remove it after seeing the error. I was informed that once the tax debt was paid in full the a lien release would forwarded to me and the XXXX County Superior Court to have the lien removed from my credit report and from the court records. A copy of that lien release was provided to Equifax XXXX/XXXX/XXXX and a copy was forwarded to the XXXX County Superior Court Clerk. to remove the lien and to inform the XXXX major credit bureaus that the lien was paid in full. Equifax did not do its due diligence in investigating this matter and instead of reviewing the status of the lien as I requested they instead verified the lien with the XXXX County Superior Court. The lien was not filed by them but instead filed by the Georgia Department of Revenue and should be the entity contacted regarding this matter. Instead Equifax contacts the XXXX County Superior Court and even when presented with documents that show the lien is paid and released nothing changes on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a Collection Notice from Franklin Collection Service regarding an unpaid Debt for XXXX for {$250.00}. 

I have never had an account with XXXX ever in my life. I have always had XXXX for my cable and Wifi Services. 

I sent them a certified letter on XX/XX/2021 stating that I have never had an account with XXXX, and this is not my debt. 

Today I was informed that my credit score dropped 32 points from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
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: Account status incorrect

Complaint:
I was in an approved disaster mortgage forbearance with XXXX ( XXXX XXXX XXXX ) due to Hurricane Harvey from XXXX. I paid off the entire amount in full prior to the deadline of the forbearance in XXXX. When I checked my three credit reports in XXXX of this year, I noticed that all three were showing that I had been more than 180 days late on that account in XX/XX/, which was incorrect as I have never been late at all. Since then, I have called and emailed XXXX numerous times, submitted multiple disputes through the credit bureaus, spoken to XXXX XXXX, and now you all. The past several XXXX supervisors have acknowledged their error and told me that they would fix the issue to show " no data '' for that time period, but it never gets fixed. I just received yet another email from Experian showing that the dispute has not changed anything yet again and it remains status quo. Their incorrect information is affecting my credit score negatively. 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 explanation
Consumer complaint received 2017-11-24
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a checking account with Huntington Bank, and was supposed to get a {$750.00} bonus. They denied it to me by saying that I already had an account. However, they wer e two different tax id 's ( one a ssn and one a business tin ). I was specifically told by a banker that it would be eligible for the bonus. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Early Warning Services, LLC
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The company name is Zelle. It is a 3rd party with XXXX XXXX. Zelle is a company that transfers money outside your Bank. This is a scam that included they were with XXXX XXXX. Told me over the phone that there were 2 charges of my Credit Card ( which was showing on my account ) .. told me they were purchased in XXXX XXXX Florida XXXX One transaction of {$400.00} and another of {$420.00}. the person on the phone ( which we will call her XXXX ). I disputed both of them and XXXX said to get the funds back have you heard of Zelle which they are used with a lot of Banks including XXXX XXXX. So I asked her how it works. She explained to me that you can transfer the money back into your accounts. I feel this XXXX is an inside job of XXXX XXXX  because she knew a lot about my accounts like the funds involved she also " told me '' my account numbers. So I he whole transaction took these ounts from my accounts and used a phone number that wasn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced my home, and the subsequent loan was purchased by Lakeview Loan Servicing , LLC. They use " XXXX '' as a intermediary to electronically service their loans. The company - Lakeview / XXXX, are incredibly unresponsive, and the effort makes it difficult to set up electronic payments or receive any sort of customer service. It should be noted the company allows phone mortgage payments, for a fee of course ( how convenient ). 

Several phone calls for assistance in setting up my online account resulted in not being able to reach a live person ( I just went through menus and was hung up on - not able to reach a live person or leave a message ). Several emails to customer service have resulted in no follow up, after a period of 5 to 7 business days.

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