BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On Friday, XXXX, I received a call from Capital One about an important message related to XXXX XXXX  credit card. I called the number on my credit card on Sunday, XXXX, to inquire. I was told by customer service that my account had been deactivated and in order to get it corrected I needed to send in a copy of the front and back of my state-issued ID, a copy of the front of my Social Security card , and a recent utility bill. Despite my repeated questions about why this was necessary a suitable response was never given. I even spoke with a supervisor but was told the system wouldn't allow her to tell me the issue until after I had submitted the requested information. Further compounding the problem, any current rewards I have earned by using the credit card are now frozen and no longer available to me. I called XXXX customer service but they said there was nothing they can do. Before I cancel the card I thought I would try this complaint service as a last option.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: TN
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:
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX  Date : XX/XX/XXXX Furnisher : XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX # XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : Sunrise XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX XXXX. 
Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX. 
Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX  XXXX XXXX XXXX : XX/XX/XXXX Furnisher : 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 2022-04-13
Company: EQUIFAX, INC.
State: TN
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:
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX  XXXX XXXX XXXX # XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXXl Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX XXXX. 
Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX. 
Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2015-09-26
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
I received the following e-mail below stating that American Express Serve will closing my investigation of Fraud claim that being taking {$71.00} I would like to request a investigation of the business and ensure it being work according to United States Federal Regulation all misconduct and mismanagement found all individuals be convicted according to United States Federal LawPull Down to RefreshUpdated XXXX agoCurrent Important E-MailYour Serve Account : We have completed our investigation of your disputeAmericanExpress Serve Correspondence to youXXXX XXXXShow DetailsServeAccount ending in XXXXHi XXXX XXXX, We received your recent inquiry about the following transaction : Transaction DetailsDateXX/XX/2015Amount $ XXXXFrom/ToPDF-FILLER XXXX - XXXX , XXXXWe have completed our review and have determined that no credit is due. The transaction will remain on your account because : We have not received the requested information. Based on the information available to us we are unable to verify your claim and have closed our investigationIf you would like to receive a copy of the documents that we used while making our decision, please contact us at XXXX. 

Thanks, The American Express Serve Team

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XX/XX/XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion/XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$260.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$260.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, NJ XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$260.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2016-04-09
Company: Ditech Financial LLC
State: WY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I would urge everyone to contact the Consumer Financial Protection Bureau and file a complaint against Ditech. This company and the Federal Trade Commission were able to levy a fine on Green Tree for XXXX dollars for mortgage failure. Ditech is just a reorganization of that old company. I have already filed several complaints against them. I was up to date with my mortgage until I paid early, now I am behind and facing foreclosure. They have not applied all funds to my account, and they have not credited my account for the actual amount that I paid. 

I suspect that they have altered my billing history, but I have no way to prove this. If everyone holds this company accountable, we can get our money back and our mortgage back on track. Go to this website http : //www.consumerfinance.gov/ and file a complaint today. I am going to sue Ditech if they do n't correct their accounting errors. There are also several class actions out there, XXXX for foreclosure after paying early and XXXX for Ditech giving insurance companies kickbacks. Good luck everyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
This complaint is regarding a debt of which I XXXX XXXX advised the company XXXX XXXX XXXX XXXX XXXX. that I would pay a settlement or a portion of the amount owed by my son XXXX XXXX. My son XXXX XXXX gave XXXX permissin to speak with me regarding his account. Arrangements were made on XXXX/XXXX/2015 after receiving notification from local law offices that a judgement had been filed against my son however, we never received notification via mail of the judgement from XXXX In order to to settle the debt which the original amount owed was {$2600.00} however, the settlement I agreed upon was made for total of {$1800.00} a difference of {$800.00} taken off the original balance. The agreement made included giving XXXX permission to debit my checking account beginning XXXX/XXXX/2015 in bi weekly in the amount of XXXX to conclude when the total balance of {$1800.00} was paid off. I requested documentation of the settlement agreement with the current settlement balance owed on several occasions XXXX/XXXX/2015 and again on XXXX/XXXX/2015 speaking to several representatives who all told me they would not provide me with a letter outlining the agreement. XXXX representative told me on XXXX/XXXX/2015 that XXXX " did not put the current settlement balance on documentation just in case a consumer defaulted on the payment agreement then they could go back and recoup the original amount so they just left the original balance on all documentation. " I requested this documentation be placed in writing based on the companies past track record of unethical businesses practices under the FDCPA including continued collection on debt paid or not owed. Again after spending two hours on the phone I was not able to get the agreement in writing. I called the FTC regarding the issue and thus filed a complaint. I put the company on notice that I was filing a complaint with CFPB and I would be placing this in writing via certified mail that due to their refusal to give me something in writing of the settlement agreement and current balance owed that they were to cease debiting my checking account. I advised that once I received the written notice of the agreement that I would resume payments as agreed. XXXX XXXX should have been notified of any or all legal actions by XXXX prior to this company filing judgement thus, giving him an opportunity to clear up the debt however, proper notification was not made to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: TN
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:
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified OR INACCURATE. TOO MANY INACCURACY ON ALL THREE CREDIT REPORTS. THEY CAN NOT EVEN SHOW 100 % ACCURACY OF MY INFORMATION WHICH IS DAMAING MY CREDIT PROFILE. 
CREDITOR : XXXX  XXXX  XXXX XXXX Account # : XXXX CREDITOR : XXXX  XXXX  XXXX Account # : XXXX CREDITOR : XXXX XXXX  Account # : XXXX CREDITOR : XXXX  ACCOUNT Account # XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: LEXISNEXIS
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello Lexis Nexis You are violating my rights to privacy and I have proof that the bankruptcy court doesnt report any of my personal information to third parties proving you obtained my information without permissible purpose. "

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Blockchain.com, 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:
BlockChain confiscated all my crypto assets without ANY ground. 
Even after multiple requests to reveal to me that ground, they did not mind ( at all ) grabbing my assets, but they do mind telling me why. 
That on its own is already terribly troubling and unworthy conduct. 

But it does not stop there- for more than a week already I am demanding them to release my assets but they are not collaborative at all. When I send mails- they wait for days to respond. While they are still keeping all my crypto hostage ( it is also why I am demanding compensation ). 

As a reason for not wanting to reveal why they are fencing with extremely vague legal terms - complete nonsense of course ; XXXX XXXX  even lets you know automatically and immediately if the account is accessed from abroad, with the exact time and location stamps. So why would another XXXX company not be able to apply exactly the same simple automation? 
It's a shame and they leave their users in complete darkness. 

The last reply, days ago, was as again as pestering as idiotic : they ask me to write ( on paper! ) my name, the BTC price and a few other things. 
-- > You do that. You file that. 
THEN they add : now we want you to hold up that paper next to your face, together with your ID. 
-- > You do that. You file that. 
THEN they add : oh, but we wanted you to do that with capitals, not normal handwriting... 

Classic kindergarden bully tactics pestering people to steal their funds longer and longer and longer. 
Also, technically it does not even make ANY sense ; they have all the info in a mail I sent - all 100 % readable. If they want it in writing- the point is to see it is MY handwriting, right? Well, capitalization annuls that traceability as everyone 's caps look the same. Simple logic. Not to blockchain. 

So, I have not heard from them for 2 days again - ALL my crypto still STOLEN by them. 

This lawlessness and cowboy mentality has to end URGENTLY and is utterly unworthy of any serious Exchange.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XX/XX/2020 I Reached XXXX I asked them to verify this information of unauthorized inquiry they had no such paperwork or my signature on file. Please remove it once.

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 2022-04-13
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-03-29
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/2019, I opened a case with Lexington Law Firm to remove a negative item on my credit report. From day one I made it clear that this item was the result of identity theft. For the next 7 months, they charged me their monthly fees, yet failed to follow proper identity theft protocol established by the FTC. 

It is no surprise that their work has led to no impact. Though I understand their stance is to not guarantee results, the fact that they accepted my identity theft-related case yet failed to follow protocol is not acceptable. This is a misleading practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Synchrony Bank responded to my prior request by sending me some account statements from an alleged account. The statements did not even add up to the alleged balance they are claiming. There was also no documentation of the supposed account terms, any proof of an agreement between myself and them nor ANY proof of this account being valid.This account remains unvalidated, and inaccurate. I asked for the full accounting history and all that was provided were statements starting in 2011 that already had a balance on it.There are also all kinds of blank fields and retracted blacked out items on these statements they sent. This all means the information you have furnished is inaccurate and incomplete and the FCRA says you are required to delete this information. 

I am now asking them here where the CPFB can see it themselves, for them to provide copies of the actual documentation used to " verify '' this account with the credit bureaus. Including a certified copy of the original contract, the FULL accounting history of the account from the origination to present, copies of cancelled checks proving late dates, and proof of the bank account the payments were taken from. Also please provide proof that you lent me actual money and where did they get that money from since it is against the law to lend money from your assets or your depositor 's assets. 

XXXX XXXX XXXX defines 'verification ' as " the declaration under oath or upon penalty of perjury that a statement or pleading is true, located at the end of a document. '' So I would like for Synchrony Bank to provide the sworn legal statement proving that we did business of any kind. 

Lastly, I would like Synchrony Bank or GE Moneybank to please admit or deny on a sworn affidavit that Synchrony Bank ( or GE Moneybank ) received insurance money that paid off the account at approximately 90 days of no payments. Please admit or deny that Synchrony bank followed the law and took a loss on their taxes the year they charged it off. If they did, the debt was cancelled and no longer exists. 

If you can not provide all the requested information, FCRA Sect 611 requires this be deleted. If this remains on my credit report, I will be filing more complaints with the XXXX, Attorney General and as a last resort, finding a consumer attorney and taking legal action against Synchrony Bank for willful noncompliance of 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 2020-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Early XX/XX/2019, I was having problems making my VA mortgage payments. Called XXXXXXXX ( my VA Home Loan Servicer ), and was able to be placed on a repayment plan until I could find employment again. During this time, I found gainful employment, and was ending my payment plan with XXXXXXXX -  towards the end of the payment program, I started making large payments. 

XXXXXXXX has been and still is reporting that my VA Home Mortgage is delinquent, and 120+ days past due. I have receipts from payments made that include date, time, and amount. 

I have disputed this negative reporting for approximately the past six months and XXXXXXXX does not return messages or have a way to contact them directly. 

I am happy to supply all pertinent documentation back my claims.

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