BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-13
Company: EQUIFAX, INC.
State: PA
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:
There has been an enormous amount of fraudulent inquiries on my credit report due to my personal information being hacked. I have reported this to each credit bureau identifying that I have been a victim of fraud. The only credit bureau that has been great with helping me is XXXX. XXXX XXXX and Equifax refuse to investigate the fraud inquiries listed on my credit report that were all done online, not one of these inquiries were done in a store where I had to verify identification. I have tried to dispute these inquiries but the Credit Bureau continue to response and say that the information is a factual record, however ; it clearly indicates fraud. Some of these inquires are listed twice by the same creditor on the same exact day or within 30 days, clear indication of fraud. No creditor needs to pull a hard inquiry more than once in 30 days. I have urged them for their assistance and they refuse to be of help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
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 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 an account that is also is reporting different information on the credit bureaus. I have disputed this account several times and the bureaus have stated it was investigated, reinvestigated, and verified. I asked for the method and proof of verification but never received anything. The bureaus are reporting different dates for last activity, date of last payment and, days late. This is in direct violation of FCRA laws and has caused financial hardship and burden as a result and is subject to compensatory and punitive damages.

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 2019-11-03
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint against Ditech Financial in XXXX. They resolved part of the issue but not all of it. The complaint should not have been closed. Complaint XXXX. Ditech Financial has been misapplying all of my homeowners insurance payments since XXXX. I have provided proof, my bank provided proof, I have called, sent letters, bank called on my behalf etc. refer to original complaint. I received a letter from Ditech admitting to misapplying all the payments. They stated they found all of them but XXXX and I need to pay XXXX. Really? Look harder! Ditech you think I have been fighting with you for months and I didnt send XXXX. You admitted to misapplying every payment since XXXX, yet you insist I am still behind. XXXX payment cleared by account XX/XX/XXXX and you have been provided proof multiple times. There will be no further payments. Your half apology is not good enough. Your staff has been rude and your company was and is wrong.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: EQUIFAX, 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:
EQUIFAX VIOLATES FCRA RE ACCURATE AND COMPLETE REPORTING AS A PATTERN AND PRACTICE. 
I AM SUING EQUIFAX REGARDING THEIR REPORTING OF XXXX XXXX XXXXI HAVE ATTACHED MY DEMAND LETTER AND CURRENT DISPUTE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
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: Information belongs to someone else

Complaint:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2017-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XXXX/XXXX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: Westlake Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A few ago I was a victim of identity theft and I was checking my credit report and seen that I have a charge with a West Lake Financial Service from a auto loan. I have never heard if this company, and also filed an identity theft dispute, and also called Westlake but they were rude and hung up on me several times as well as cussing and being  very rude. I still have it reporting on my XXXX credit report and I will like it deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: CITIBANK, N.A.
State: NJ
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 got the promotion from Citi about opening Preimier card and I could XXXX reward points. On the website, Citi clearly mentioned first year $ XXXX Year was waived ( also see attached image for evidence ). However, I got charged the first year annual fee immediately after activating the card. I tried to follow up with Citi but they told me i am not eligible for the waiver. I am very frustrated as it is clearly mentioned on the website. 
Please advise and refund my mischarged fee.

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 2017-11-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had an account with Walmart. I paid my account early and they changed the due date and I was being hit with late fees as my original due date was the XXXX. So when I paid early that is when the next bill was due. They also provided an original limit and then decreased the amount which made my credit score lower due to debt to ratio. Which I was not aware that they could go and review my score at anytime and lower my original credit card balance. I am receiving a minimum of 5 calls a day to the point I blocked there number. I have tried to discuss this issue before and honestly gave up. When they lowered my limit I was never late and I feel that it is a scam to cause more harm, also changing the due date pending on if you pay early or not is also unfair business ethics. I am at the point where I just want to change my phone number. This is the only account I am having issues with as I do not feel that they have treated me fairly at all. 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 monetary relief
Consumer complaint received 2021-10-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for and received the American Express Hilton Honors Credit Card in XX/XX/XXXX. What prompted me to apply for this rewards card was the advertised promotion to receive XXXX Hilton points after spending {$1000.00} within the first 3 months of opening the account, then another XXXX points when you spend an additional {$4000.00} within the first 6 months of opening the account. I met each of these thresholds on XXXX XX/XX/2021 and XXXX XX/XX/2021 respectively. After several weeks passed by I never received any of the bonus points. After reading all of the fine print buried in the offer terms I found this statement : " Bonus Points will be credited to your Hilton Honors account 8-12 weeks after each Threshold Amount has been met. '' I feel this is poor placement of this information because its not co-located with the promotional advertisement material. 

Next, I waited for the 8-12 week period to expire at which time I still hadn't received the bonus points and called customer service. I was told that the points would be awarded during the next billing cycle. That billing cycle completed on XXXX XX/XX/2021 and the points were still not awarded. I contacted customer service again and was told that my account had been denied for the promotional offer from the time I opened the account and that I was never even eligible for the offer. I had no idea. I was completely mislead for over 4 months by American Express. I am now cancelling the account and wanted to make others aware so that they are not duped like I was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: EQUIFAX, 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:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: MRS BPO, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Text received on XX/XX/2019 and XX/XX/2019. 

Please contact MRS Assoc. regarding a XXXX matter at ( XXXX ) XXXX. This is an attempt to collect a debt and any information obtained will be used for that purpose. MRS is a debt collector. Further details have been mailed or emailed. Please review your email inbox, junk, or spam folder. Prefer to chat? Visit us at www.mrsbpo.com and chat with a representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Experian Information Solutions Inc.
State: KS
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:
cra violation inaccurate information no knowledge of accounts on the breach of XXXX  sent po report 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 2018-08-29
Company: DISCOVER BANK
State: IN
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: Card was charged for something you did not purchase with the card

Complaint:
My Discover card was taken by my boyfriend and completely maxed out. I never authorized him to use my card. When I found out about the charges I called discover and disputed them. They told me they would take care of everything and get back to me within 30 days. I filled out all the forms they sent me and they asked for a police report. So I filed the report. The investigation came back as me owing the money with the explanation of frequent vendors. I disputed again and send screen shots of my ex saying he would make the money right. They would not reopen the investigation even though I gave them proof. The failed the watch the cameras that would also prove him using my card. Now I'm stuck with {$3800.00} dollars and a 29 percent interest rate..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: PMAB,LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
PMAB LLC has been calling me weekly about bills from XXXX XXXX XXXX Hospital. I filed a complaint with the Medical Director, of the hospital, because of inappropriate treatment in the Emergency Room. I  was told that the charges {$54.00} and {$500.00} would be removed from my account. Last year PMAB started calling me and I informed them about this issue and told them to stop calling me. I also explained that I am living in Social Security in a HUD subsidized building and an trying to get my medical expenses corrected. They haven't stopped calling, plus my XXXX credit score has gone down 36 points. I filed a dispute with XXXX and they removed the accounts from my file. I want to stop the phone and mail harrassment. All the accounts they have are medical. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: EQUIFAX, INC.
State: IN
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:
This is ridiculous! Can someone please help me, I am being taken advantage of! My consumer rights are being violated! I noticed some inaccurate/fraudulent items that are reporting to my credit file. I have notified the credit bureaus and have sent them dispute letters over 90 days ago. I have yet to get a response to resolve my problem. I know that the items must be investigated within 30 days of them receiving my dispute letters according to the Fair Credit Reporting Act. I need the disputed items deleted from my credit file immediately. The credit bureaus are also using stall tactics to not respond to me, giving me responses like " they need authorization from me to proceed ''. I have attached my drivers license and a utility bill to verify my identity, can you please see that they delete all accounts that are disputed immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
It is my understanding that when a federal holidays falls on a friday that transactions should post on the business day. Having said that, Chase charged me an NSF fee on friday XXXX XXXX, when banks were observing Veterans Day, which should have allowed all my transactions to come through over the weekend and should have all posted officially on Monday, XXXX XXXX. I opted for the overdraft protection in the past, so normally i would make a deposit before the end of the business day to cover my balances and transactions, so to my surprise i found i was charged a fee of {$34.00} on XXXX XXXX, which is when the banks were observing XXXX day. I contacted Chase and they refused to assist me and actually stated they have internal policies and chose to observe XXXX XXXX on Saturday alone and that they would not help me. Please help me resolve this issue since this really is an unfair practice for them to charge fees on extended weekends when all other banks gave their customers the proper procedures and opportunities to bring their accounts current. I should not have been given this fee based on the fact that it posted on a long federal holiday weekend and transactions should have posted on Monday, like all banks did. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-10
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Case number XXXX Email sent XXXX XXXX XXXX. The title of the email was License Picture Rejected Over and Over. I accidently hit a key and disabled my account from my I phone for fraud. So the account was disabled and I could not get in. I tried to reopen my account by taking picture from my computer but license rejected several times. 
XXXX # XXXX Email sent XXXX XXXX XXXX. Title License Accepted. I got my account on I phone and was able to take picture of license and it was accepted but still account disabled. 
Case XXXX XX/XX/21 XXXXXXXX XXXX. Title was License and again XX/XX/XXXXXXXX XXXX XXXX. I got the following response each time I emailed them. " Hello, Thanks for submitting your request to Coinbase Support. We are here to help and will be in touch as soon as possible. In the mean time, you can find answers to many of your questions by visiting our help center. Regards Coinbase Support. I found none of the articles addressed my issue. They had no chat or phone support.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-15
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX, XXXX, I provided a " qualified endorsement '' negotiable instrument to my lender XXXX to pay for my mortgage in full in the amount of {$110000.00}. Since then they have demanded additional payments from me each month. The last statement I received they demanded {$3200.00}. Attached is proof of payment in full for my mortgage made on XXXX XXXX, XXXX. They are committing fraud and using the credit reporting agencies to assist. They even threaten to foreclose on my if I do n't pay them additional 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