BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-12
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I had a huge issue with American Express for my credit card when I requested to have my name revised and my address updated. 

1. I have not receive my new credit card as promised. 
2. I have not been reimbursed the expenses I incurred to verify my identity as I told. This is all recorded and I have submitted the invoice as well as the request of a credit for the harassment they incurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14
Company: Valor Intelligent Processing, 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:
I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX IXXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: MD
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 recently checked my credit report and noticed that lots of inaccurate accounts and inquiries, I immediately made a Letter to the respective agencies dated XX/XX/2022 and I wonder why after 30 days I haven't received any response from them so I had to research about my right and found that according to this article { FCRA 611 ( 15 U.S.C. 1681I ) } there's this 15 days additional for the reinvestigation. So I calm myself and waited for another 15 days to passed. Today I couldn't wait for another day it is over 45 days since I mailed them about it but still no response at all. According to article that I read failure to investigate 30 days gives a reason to immediately remove those items from my credit report. I feel like I am being ignored and being taken advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I cancelled my membership with XXXX who changed name to XXXX. My account was closed when it was XXXX and I do not owe a balance. I require the account to be removed completely from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-09-26
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Key bank froze my account for a purchase I made of XXXX XXXX Its been a week of me calling, messaging and emailing and I've gotten no help I've spoke to a supervisor who told me to just cross my fingers that I don't get disconnected agian. It takes 1 hour 45 min to get to a live person then they transferr me and within 40 min the line disconnects This has happened 15 different times. I don't know what to do. I want my money transferred out of key bank and put into my other bank. I don't see how this is legal to. Hold someone's money and offer no help. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: KS
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:
In accordance with the Fair Credit Reporting Act XXXX Account # : XXXX, has violated my rights Account name : XXXX  XXXX XXXX  Account # : XXXX Subject : XXXX XXXX XXXX Account # : XXXX Dear Experian 15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2017-02-01
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
For the approximately the past six months, I have been unable to obtain my free annual credit report from Equifax. I go through all the prompted steps for receiving the report and authenticating my identity ; however, each time I make the attempt Equifax responds with the following message : " Online Delivery Unavailable. We are unable to deliver your free Equifax Annual Credit Report online. '' From there it provides a way to make the request by mail. In order to request the report by mail, they want me to send them a copy of my social security card or a document containing my social security number, along with my drivers license or another document authenticating my mailing address. 

I have been able to obtain my credit report from both XXXX and XXXX online with no problems, utilizing the same authenticating information. A simple XXXX search has shown that this is a common and repeated problem with Equifax. Unfortunately, there are many negative items showing on my Equifax credit report which I can not effectively clear through the dispute process because they will not provide me a copy of my credit report. Based on a recent pull of my credit by an organization, they identified multiple negative items on Equifax which were not presented on either XXXX or XXXX. This is creating significant hardships and I chose to address the issue with the CFPB due to the large numbers of people online indicating that Equifax is doing the same thing to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: IN
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:
In XXXX of XXXX, I reported to Equifax that an attempt to open a credit card account had been fraudlently attempted, after receiving a text from a credit card company saying my application had been approved, when I had not applied for any card. This fraud activity was proved and resolved, with removal of that credit card from my credit report. I placed an alert on my credit accounts after this, but I received no alert from any of the three credit agencies regarding these fraudulent addresses on my account in between XX/XX/XXXX and XX/XX/XXXX. I recieved word from a family member that they had experienced fraud in XX/XX/XXXX, so I checked my credit report again at this time, finding two addresses that are not associated with me. I reported to XXXX on XX/XX/XXXX a dispute to my credit report that there exists two addresses on my credit report that I have never been associated with : these are a XXXX XXXX XXXX XXXX XXXX XXXX XXXXa and XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not agree that these were disputable addresses because I did not have a police report or FTC report to go along with the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
In XXXX of XXXX, I reported to XXXX that an attempt to open a credit card account had been fraudlently attempted, after receiving a text from a credit card company saying my application had been approved, when I had not applied for any card. This fraud activity was proved and resolved, with removal of that credit card from my credit report. I placed an alert on my credit accounts after this, but I received no alert from any of the three credit agencies regarding these fraudulent addresses on my account in between XX/XX/XXXX and XX/XX/XXXX. I recieved word from a family member that they had experienced fraud in XX/XX/XXXX, so I checked my credit report again at this time, finding two addresses that are not associated with me. I reported to XXXX on XX/XX/XXXX a dispute to my credit report that there exists two addresses on my credit report that I have never been associated with : these are a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX did not agree that these were disputable addresses because I did not have a police report or FTC report to go along with the dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
transunion has not updared my credit report according to the cfpb federal regulations and i want XXXX and XXXX updated according to the creditor account web site.

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 2020-09-26
Company: Bread Financial Holdings, Inc.
State: NC
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:
I've tried reaching out to Comenity Bank Wayfair Credit Card Services due to information not updated on my credit reports for XXXX, XXXX, and XXXX. This account is Closed and Paid in Full at a {$0.00} balance. I paid the full balance in the amount of {$360.00} on XX/XX/2020. I found out on XX/XX/2020 that the bank added interest in the amount of {$7.00} on XX/XX/2020, after I've paid the balance in full. I paid that interest as well but the company never updated the Closed XXXX Balance status. I reached out to the company back on XX/XX/2020 to send the update to the 3 credit bureaus. The status was never updated. Its the end of XXXX and the status is still not correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-26
Company: ADIR INTERNATIONAL LLC
State: NV
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:
It all started when I was in the market for a new bed and XXXX  gave me a credit limit increase so I could purchase it. Since then I have made every payment on time everytime, and all Ive gotten out of it was XXXX keeps lowering my limit to make it look like I went over my limit. I have yet to receive a letter explaining why, which by law the were supposed to give me. I demand to know what is going on!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
to whom it may concern below are a list of accounts that are reporting fraudulently on my credit report 1 ) USAA SAVINGS BANK {$1200.00} XX/XX/XXXX XXXX ) XXXX XXXX XXXX {$570.00} XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: CUSTOMERS BANCORP, INC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I applied for the Paycheck Protection Program ( PPP ) back in Spring of 2021 through the XXXX website for {$19000.00} and my PPP loan number is XXXX. I did this with the knowledge that I had to apply for PPP Forgiveness within 10 months of me receiving this money. I have attempted various times to apply for PPP Forgiveness during that 10 month time frame by contacting Customers Bank via email which is XXXX and phone calls. Instead of being assisted, I have continuously been given the run around. 

Many of the Customers Bank customer service representatives have sent me numerous emails stating I should apply for forgiveness on my own through the SBA PPP Forgiveness portal. This has been the typical response every single time I have requested assistance in applying for PPP Forgiveness. When I attempt to apply for forgiveness in the SBA PPP portal, it states 'that my account is blocked by lender '. After speaking to an SBA PPP Forgiveness representative, I was informed that in order for me to apply for forgiveness, the lender has to lift the block out of the portal. Also I can not apply for PPP forgiveness through the different ways which includes through portal, directly, or through SBA Form 3508 unless the block is lifted. 

I have raised this issue to Customers Bank about removing the block that prevents me from applying for Forgiveness. I keep being told that I am not blocked and to continue attempting to apply for forgiveness through the SBA PPP portal. This still does not mean anything since I continue to be blocked from applying for forgiveness and am tired of this.

I only took this PPP loan because I was under the impression that I would be forgiven. I feel a sense of betrayal and dissatisfaction with all of this. I am even beginning to regret receiving this money because of the lack of assistance in this matter. The issue of me not applying for Forgiveness has hurt my ability to work because of the my constant need of meeting with my accountant in trying to resolve this matter. Also this has caused me tremendous stress knowing that I need to pay back my PPP because I can not afford to pay this. 

I kindly ask for CFPB to assist me in applying for forgiveness. 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 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TRANSUNION has reported incorrect information to my credit file and refuses unlawfully to remove it. XXXX  XXXX credit card services incorrectly charged me a late fee and added missed payment to my file. on XX/XX/2022 XXXX XXXX caught mistake and issued XXXX late payment reversal credit to my account ending in XXXX, also removed late payment from file. After reporting this to TRANSUNION and providing proof they still have refused removal.

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 2017-09-10
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was asked by Coinbase to send a SEPA transfer to their bank in XXXX. I sent XXXX on XXXX/XXXX/XXXX and within a few days I received an automated email saying that they can not accept the money in GBP as it must be in euros. They email then said the money would be returned to my bank within 1-2 business days. It has now been 33 days and Coinbase have only replied once on the XXXX/XXXX/XXXX stating that they were working with a 'specialist on my case '. They say this despite the email specifically saying the money would be returned to my account within 1-2 days and that there were no problems they encountered for them to require a 'specialist '. Upon further research, it seems an absurd amount of similar situations like mine have been raised on online forums with the same generic response of 'we are working with a specialist on your case ' used each time. It seems apparent that this line is used in an attempt to stop the customer from contacting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
This is written notice to Equifax that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the erroneous account ( XXXX XXXX XXXX ) in which have been illegally displayed on my credit file, be validated, and if validation can not be made within the 30 day time frame allowed to Equifax by law. The disputes listed in my original complaint must now be completely removed from my credit report. ( Equifax has now legally exceeded the time frame allowed by law ). 
Your legal staff will agree that compliance with this request is required under the laws of the FCRA and Colorado and Federal Statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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 already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2015 Balance Owed : {$550.00}

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 explanation
Consumer complaint received 2016-11-16
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Last year around XXXX we received notice ( a postcard ) that we were included in this settlement, did not have to fill anything out. We then received a confirmation of this in XXXX that it would be completely settled in XXXX - never heard of it again. 
We would like to know the status of this please. 
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 2022-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent in electronic and written disputes. XXXX keeps saying that it has completed an investigation but has ignored my requests for documentation. The account in question is a Capital one credit card ( XXXX ) The error occures inbetween XXXX and XX/XX/XXXX. There are almost XXXX dollars added to the balance. The card only had a limit of XXXX. What is more I paid that over 2 years ago and I am still seeing missed payments and an absurd balance. At this point XXXX has refused to provide me any documentation of an acutal investigation and is in violation of my rights under FCRA. I ask that this account be removed immediatley!

Company response to consumer: Closed with explanation