BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: AZ
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 been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2020-12-01
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I have PAID Charge-Offs with XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX as well as charge-offs that no one has been able to verify and PROVE that are mine with XX/XX/XXXX, XXXX XXXX and XXXX XXXX that I have been disputing with the bureaus. I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XX/XX/XXXX XX/XX/XXXX and Equifax, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by the bureaus to resolve anything. There's also data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XX/XX/XXXX and Equifax must be held accountable and to the standards clearly outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I have PAID Charge-Offs with XXXX, XXXX XXXX XXXX, XXXX, XXXX as well as charge-offs that no one has been able to verify and PROVE that are mine with XXXX XXXX  XXXX XXXX and XXXX XXXX that I have been disputing with the bureaus. I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of TransUnion, XXXX  and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by the bureaus to resolve anything. There's also data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion, XXXX  and XXXX must be held accountable and to the standards clearly 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 2018-10-03
Company: JPMORGAN CHASE & CO.
State: TX
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:
This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
american express keeps calling my house regarding my son who does not live with me and i don't know any of his business. i told them repeatedly not to call my house and they have my ; sons number which they could call but instead they keep harassing me and want info about my son which i don't have. i have been in the hospital for the past month and a half and my phone caller id is loaded with their number since i just came back home yesterday from hospital. they need to stop calling my house and threaten me. i have no business with this company and don't owe them anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged two overdraft fees on a single date. This action is contrary to my banks policy listed on their public website which states that customers can not be charged two fees on one date. Please check attached files and summary from website below. 

A maximum of one {$36.00} overdraft fee per day for PNC 's Virtual Wallet customers who are in Low Cash Mode on the Spend account. A maximum of four {$36.00} overdraft fees per day for all other accounts. No nonsufficient funds fee. At least 24 hours to bring your Spend account balance to a minimum of {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: I.C. System, Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
What happened is that i was trying to buy a house and i realize that there is damages on my credit report. According to the 15 USC 1681 law, there should not be any damages on my credit report. It is a defamation to my character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Santander Consumer USA Holdings Inc.
State: IL
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Requested On : XX/XX/2019, XXXX XXXX XXXX  Requested On : XX/XX/2019, SANTANDER CONSUMER USA Requested On : XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: HUNTINGTON NATIONAL BANK, THE
State: IA
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:
When purchasing a car from XXXX XXXX XXXX on XX/XX/2019, I told the finance guy helping me that I only wanted my credit ran through one lender. I was aware that I might get a better rate from somewhere else, but I only wanted it ran once and through the lender I communicated. I never signed any paperwork about running my credit through multiple lenders. XXXX XXXX XXXX ran my credit 4 times when they were not authorized to. I only authorized them to run it once and they did not have my permission to run it multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter multiple times to XXXX, Experian, and XXXX. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I discovered multiple billing errors under 15 U.S Code 1666 ( b ) billing error, including the creditor 's failure to properly reflect a payment made by me and a computation error on a statement. 

Despite my initial request, I have not received any hard proof from the creditor 's bank account that proves I did not pay and was marked late. Therefore, I am still adamant that these errors were purely billing errors, and I urge you to rectify them promptly. 

Furthermore, I request that the following items be updated on my consumer report, as agreed As a consumer, I have the right to have these accounts updated immediately, in compliance with the law. Failure to do so may result in me seeking monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability.

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 2023-03-29
Company: EQUIFAX, INC.
State: AL
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 disputed the bankruptcy on the report. the bureau sent back and said it was validated/ verified so I reached out to the courts and the court said they do not provide information to the credit bureaus so somebody is lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Diversified Consultants, 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:
They mailed me a letter. I mailed them two letters. They placed this account on my credit reports. I requested legally binding verifiable proof and they ignored all of my requests but still placed this account account on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: TX
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:
The following inquiries listed are unknown and unauthorized. I have called the bereaus and requested that they remove with no response. FCRA violation XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2021-09-09
Company: MONEY SOURCE, INC., THE
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 is missing that should be on the report

Complaint:
From XXXX to present I have complaint and made several attempts to correct the inaccurate information by way of CFPB and the three Credit Bureaus. I have not problem with The Money Source not reporting monthly to the bureaus, however the truth in lending should prevail. 

I've had a mortgage with this company since XX/XX/XXXX, which is current and in very good standing. I did a loan modification in XXXX and in XX/XX/XXXX I filed for a Chapter XXXX which discharged in XX/XX/XXXX. 

During that time my attorney and I was not notified that a reaffirmation was needed, The Money Source has taken a position not to report to the credit bureaus because of this ; however, the way they have chosen to report is the crux of the problem. 

They reported that my loan ( XXXX ) closed in XX/XX/XXXX, which is a total fabrication. I have no problem with them not reporting monthly. However, they conveniently omit I am currently paying this " SO CALLED '', closed mortgage at $ XXXXsince the said closing. 

I want them to tell the truth ... that I am paying as agreed and nothing else ; sense it is their position and prerogative not to report monthly. Instead of fabricating and falsifying damaging lies in the interest of fair reporting I demand that they tell the truth, a statement of " paying as agreed '', is not ask in too much. Because it is the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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: Information belongs to someone else

Complaint:
I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXXXXXX

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 2023-03-29
Company: EQUIFAX, INC.
State: VA
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 submitted three credit disputes to Equifax credit services the first ( dispute # XXXX ) being on XXXX advising them that various accounts have been paid and that they need to update them. I received notification from their company on XXXX stating that they've updated four of the creditors has been updated but not the others. I reached out to the creditors in question just to verify and to be sure that they were reflecting paid. I was advised by creditors in question that the accounts were in fact paid and was reported as such. After learning of this, I took the time to file another online dispute ( dispute # XXXX ) through Equifax 's website again on XXXX. This time around, I attached proof of payments obtained from the creditors in question. I received an electronic notification from Equifax on XXXX stating that the creditors are reporting accurately. I reached to Equifax by phone on XXXX. I spoke with two representatives ( first rep placed me on hold for 40 minutes and never came back to phone ). The second rep that I spoke with assured me that the two accounts in question had been updated and corrected. I gave it a few days and decided to check my credit file, only to find that the same two credit items are still being reported incorrectly and still haven't been updated. Meanwhile, XXXX and XXXX were able to verify, correct, and updated the same information well over a month ago. I reached back out to Equifax by phone on today XXXX, and was advised by rep that the items in question have NOT been updated in spite of the numerous phone calls and request, along with proof of payment that I've submitted. He told me that his name was XXXX and that he rep number was XXXX. He advised that all he could do was to submit another dispute ( dispute # XXXX ) and that it could take another 30 days to get a resolution. Left with no other option, and being totally frustrated with the situation, I had to come to your corporation to file this complaint. This entire situation is impacting me negatively and is discriminatory. I am SERIOUSLY considering pursuing legal action against Equifax. I am sure that if they're doing this to me, that there are others that they are doing this to as well. Please feel free to contact me with any questions or concerns that you might have. Thanks in advance for your help and time in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: LFG Data Services Holdings, LP
State: AL
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 disputed the bankruptcy on the report. the bureau sent back and said it was validated/ verified so I reached out to the courts and the court said they do not provide information to the credit bureaus so somebody is lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 had a card from Capital One Bank XXXX. This card was deactivated, while I called Capital One I was informed that my account was closed and by balance was {$0.00}. This call was recorded and therefore should be on file with Capital One. I was however sent a collections notice on my owing {$0.00}. However the collections letter state some {$9000.00} owed in penalties and interest. And this figure has been reported to my credit. Please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled the service, but I was still billed. I also returned the phones via XXXX XXXX XXXX XXXX, Texas and they never credited the phones. Their services were misleading because I was told that my rate will stay fix, but it kept changing every month. I decided to cancel and switched to XXXX ( much better company by the way ), so they charged me {$1800.00}. I have complained to Attorney general Kansas and nothing was done. I am sure other people have experienced the same misinformation. I was mislead to believe that I had a veteran rate, but it took a longtime to issue that. I was also mislead family plan I signed up which they kept constantly changing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: FL
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:
Date : XX/XX/XXXX Company : XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX, XXXX CompanyXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CompanyXXXX XXXX XXXX XXXX, XXXX CompanyXXXX XXXX XXXX XXXX XXXX XXXX, XXXX CompanyXXXX XXXX XXXX DateXXXX XXXX, XXXX CompanyXXXX XXXX DateXXXX XXXXXXXX, XXXX CompanyXXXX  XXXX XXXX  XXXX XXXX, XXXX CompanyXXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX CompanyXXXX XXXX DateXXXX XXXX, XXXX CompanyXXXX XXXXXXXX XXXX XXXX DateXXXX  XXXX, XXXX CompanyXXXX XXXXXXXX XXXX XXXX XXXX I believe these unauthorized inquiries violate the provisions outlined in Title 15 USC 1681, as I have not applied for credit or sought any services from the aforementioned creditors, and therefore, these inquiries are not valid or authorized. As a consumer, it is my right to have accurate and up-to-date information in my credit report, and unauthorized inquiries can negatively impact my creditworthiness and financial opportunities.

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 2018-02-12
Company: Coinbase, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XXXX / Coinbase missing {$25000.00} wire transfer my XXXX file # Case ID : XXXX Updated : XX/XX/XXXX XXXX PST Created : XX/XX/XXXX XXXX PST On XX/XX/XXXX I made a wire transfer from my Bank account to my XXXX / Coinbase account. My money arrived on the same day to XXXX bank and as of this day XX/XX/XXXX XXXX has not credited my account. 

I have called XXXX and coinbase several times and have several emails from the customer service department stating that the finance department will get to in at some time. 

I asked them how long this would take one week or 1 month and they would not give me an answer. 

XXXX clearly advertises same day wire transfer availability and at this point it has been 21 days that XXXX has had my money and will not credit my account. 

Please see my wire transfer XXXX file from my bank showing that XXXX received my money of XX/XX/XXXX and emails from XXXX acknowledging my complaint with no resolution from finance department. 

My XXXX case file # Case ID : XXXX Updated : XX/XX/XXXX XXXX PST Created : XX/XX/XXXX XXXX PST

Company response to consumer: Closed with explanation