BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-16
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:
XXXX XXXX  XXXX  is showing a school loan on my credit report. This is NOT a school loan. It is not through the XXXX XXXX XXXX. It is reporting incorrect on my reports and needs to be removed simply because of that. It is a collection account and NOT XXXX XXXX XXXX. The amount of {$730.00} is incorrect, the Account name of " XXXX  XXXX XXXX '' is incorrect, and the type of account " school loan '' is incorrect. This has not been removed and is stopping me from obtaining housing. It should have been removed from XXXX, Equifax and XXXX already and it has not. Legally it shuld no longer be there. I have submitted disputes stating this and they are not removing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have several accounts which are still reporting late payments when i always qualified for deferments or forbearances and can show i was receiving public assistance during those times and account should not be showing late payments, and i see duplicate accounts being reported more than once! Accounts been transfered and closed a long time ago but still reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I dont have the original case number. I did the online dispute about a year ago and they removed the derogatory remark, it has now reappeared and when I try to log into the system, it says they dont have info for me. The dispute is with alimony and child support, we had ongoing litigation, during which time I continued to make payments, yet they report no payments made a nd 6  payments 90 day late. Because of the litigation and settlement on matters inclusive of support and alimony the reporting is biased against me. Also there is a matter  XXXX  state tax liens that were paid within abou t 2 we eks of being recorded, eqifax has removed them from  XXXX  separate disputes in the past but they now reappear, they were paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
PayPal was used by a buyer that was purchasing some items from me .items were shipped in good condition nothing broken on my end .but the person who received the items claims some where broken. Buyer is responsible for packing materials which he did not want to do he only paid for a box which was to late to purchase after I had gotten my own box to ship the items off.i send the items it's free but nothing more is free so anything extra will cost. money I didn't have buyer is responsible for all that. A dispute was placed on me due to items he claims wasn't the original items when clearly the site I posted them on has pictures showing the items and the condition they were in .I was told to send pictures to prove that there was nothing wrong with the items when I sent them off did so and PayPal told me the pictures were pretty much not going to help my case and that they were not going to go off that. But the buyer did the same and they refunded his money and all mines as well. The XXXX I had in my account PayPal took it for no reason .and now they say I still owe them {$36.00} and some change.i had to pay for the dispute fee when i was not the one who filed the dispute in the first place. I was told that only the dispute fee would be taken out {$15.00} for one and {$21.00} for the other. PayPal took all my {$160.00} and some .I was never told anything else about extra fee 's. I read threw some of the agreement and found nothing that states any extra fee 's being paid. I feel it's unfair that someone can get there money back and I get my items returned to me broken and now I can't do anything with them due to the Buyer 's Own fault. And now I have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Today my husband XXXX XXXX attempted to make a cash deposit at Bank of America on XXXX in XXXX, Oklahoma and there was a sign on the door that the bank had permanently closed. We were sent no notification through mail or any other means. Our funds were running low and we needed to make that deposit. We had no warning or any idea the bank had closed. We did not even have the option to change banks. I contacted bank of America on XXXX and their excuse was " Traffic ''. Now the closest one is 45 minutes away. We now have limited funds because we were not notified. How can a bank leave town without notifying its customers. This can not be legal and would like to be investigated. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX 2020 capital one reported I was late on payment.When it is on auto bill they tryed to pull the payment but it was rejected they did not notify me that it was rejected. I talked to the manger of company and he insurance me it would be removed because it was there fault. now sense then I can not get a mortgage because this late mark and the company will not help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase decided to close my account without providing a reason as to why. At first, I was upset but then I was promised by the phone representative I had spoken to that I would receive a check for the remaining funds in my sccount within ten business days. That was back on XX/XX/2019. I wanted until XX/XX/2019 past the ten business days and still not check. On XX/XX/2019 I received through mail a monthly bank statement that shows a Debit DDA - Check Charge for {$1000.00} the exact remaining amount I had in my account. When I called Chase again no one could answer my question about this charge or when I was supposed to receive the check for my remaining balance. It is now XX/XX/2019 and still I have not received the check for my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: BARCLAYS BANK DELAWARE
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: Problem with personal statement of dispute

Complaint:
This account is reporting beyond the 7 year FCRA rules from the first day of delinquency. The first day of delinquency dates back in  XXXX  of   XXXX  . This account is obsolete and should no longer be reporting on my credit file. I have requested this item to be removed. This account was opened  XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XXXX   XXXX   XXXX   XXXX  has been calling my employer in an attempt to collect a debt. When I spoke with them and informed them that this was not an appropriate number to call. I asked what company they were calling from and a phone number so I can call them back on a private line. They refused to answer and give me any information. After about 5-10 minutes of the man aggressively talking over me, interrupting me and threatening legal action, he told me the company name,  XXXX   XXXX   XXXX   XXXX , but the man on the phone would not give me his name or a phone number. I had mailed a letter requesting verification a few weeks ago and had n't received anything back. In the letter I specifically requested that all communication be done through mail.

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 2019-12-20
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX XXXX suffered a major security breach which leaked the personal data of over 143 million Americans. My information was leaked in this breach, my Name, Birth Date, Address, Phone Number, Social, as well as my Driver Licenses Number. As a result of my personal information being compromised, I have become a victim of identity theft leaving several accounts listed on my credit report with XXXX, XXXX, and Experian that I did not authorize. My overall creditworthiness has been destroyed, as a result of XXXX  not taking the proper security actions, when they were initially warned that this breach might occur. 

The Fair Credit Reporting Act requires that these accounts be removed as soon as possible from my credit file. If these accounts are not removed from my credit file, My lawyer and I will move forward to in court on XX/XX/XXXX to file suit with all companies involved in this incorrect reporting. 

The following information should be removed as soon as possible. 
XXXX/XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  The following addressess should also be removed from my credit file as soon as possible : XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX  XXXX XXXX XXXX, Georgia XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX PINNACLE LLC/RESURGENT XXXX XXXX XXXX, XXXX, SC XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$1200.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-13
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 3 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information, which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you. 

Account name : XXXX. Account number : XXXX Account name : XXXX. Account number : XXXX Account name : XXXX. Account number : XXXX Account name : XXXX. Account number:XXXX Account name : XXXX . Account number : XXXX Account name : XXXX. Account number : XXXX Account name : XXXX XXXX XXXX . Account number : XXXX Account name : XXXX XXXX XXXX . Account number : XXXX Account name : XXXX XXXX XXXX. Account number : XXXX Account name : XXXX XXXX. Account number : XXXX Account name : XXXX XXXX. Account number : XXXX Account name : XXXX. Account number : XXXXAccount Account name : XXXX XXXX XXXX. Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX . Account name : XXXX Account name : XXXX XXXX XXXX. Account number : XXXX Account name : XXXX. Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions 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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

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 2021-12-14
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XXXX XXXX, 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of American violated Federal rules when they placed a 10 day hold on a ATM deposit of Cashiers check {$4600.00} that I had drawn from my XXXX locally down the street. After calling them multiple times and visiting the branch 3 times on my trip out of state. They decided they can just do what they please even after I pointed out to employees and supervisors that they were violating FDIC rules on clearing bank deposits. Their actions caused me to be late with my mortgage payment which I transfer every month through the branch. The hold did not qualify under the exception rules at all and they were told that and still kept the hold in place long after the cashiers check cleared. I want some sort of sanctions or formal reprimand placed against B of A for not following the rules and I should be given both an apology and some sort of monetary compensation for damaging my payment record with my lender and causing me to drive 3 hours 3 times out of state to the nearest B of A while I was on vacation to try to handle the problem. I had to pull out over {$4000.00} more from another bank causing me extra fees and charges just to make my mortgage payment which was late because of their hold.

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 2019-12-20
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:
One of 2 accounts ORIGINAL creditor XXXX XXXX/ credit card sold account to XXXX XXXX XXXX . Balance was incorrect. Account was paid off, for amount reflected on last collection letter. XX/XX/XXXX. Second account XXXX XXXX/ credit card. In house collection agency XXXX XXXX. Was paid in full for total amount due. XX/XX/XXXX. I uploaded and sent proof of account paid in full with initial letter received from. Original creditor. My report was disputed. As well as investigated. The information was not Corrected, as of XX/XX/XXXX. Also submitted proof of balance on XXXX/ credit card account bought up to date {$0.00} balance as of XX/XX/XXXX. Report still indicates balance on this account is still {$340.00} against my secured line of {$1000.00}. Credit. Information is not reflecting my account settlements as per information received in writing from creditor. As well as my existing account with XXXX, balance is {$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 explanation
Consumer complaint received 2017-04-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Equifax is Reporting a Bankruptcy which i disputed and they stated it was verified ... I called the courts which advised me the courts does n't verify this information.. Equifax pulled this information from a third-party agency, as per courts Does not Verify Therefore this Must Be Removed from my credit file which is damaging to my true credit file. 

And I would appreciate it once its deleted I want proof that it 's been deleted. Please send me an email to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied American Express XXXX XXXX XXXX Credit Card on XX/XX/XXXX. It did not show any pop-up dialog to indicate ineligibility of the welcome bonus. After two months, I was able to meet and exceed minimum spend, but they said I am not eligible for the welcome bonus because of the credit history or something else. But I did not have the same credit before. The only card I had in American Express is Gold gard I applied 10 months ago. I used Gold card very often every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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