BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-03
Company: EQUIFAX, INC.
State: CA
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:
I have sent  XXXX ,  XXXX  and Equifax each a letter stating my current most updated personal information and that all other information is not accurate. In return either non of the information is updated or partial of the information is updated and other random information such as my social security number was deleted.      XXXX / XXXX /   17  Mailed Address, Nam e, Work, Phone Number Information update. As of Mid   XXXX , only partial information was updated but old information was still being reported.   XXXX    XXXX 17  mailed another letter to  XXXX  and  XXXX  for all personal info to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: PNC Bank N.A.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
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:
We were victims of hurricane Irma in XXXX Florida. Our power was out for a week from XXXX XXXX through XXXX XXXX. Due to limited access to internet and financial and government institutions being closed, I missed a {$15.00} payment on my credit line. On XXXX XXXX, I called PNC to make payment and bring the account current. I spoke to XXXX XXXX at PNC at XXXX. He assured me the late hit on my credit report would be reversed. I tried reaching out several times following our initial conversation leaving voice messages with XXXX XXXX at PNC with no reply. PNC needs to reverse the 30 day negative late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 the following Accounts has violated my rights : 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 XXXX XXXX XXXX XXXX XXXX  *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 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 2017-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I saw an ad for notary jobs on XXXX from XXXX XXXX XXXX XXXX. I signed up for all three classes. I took two classes at {$190.00} each. It was n't until the second class that XXXX XXXX XXXX XXXX told the students they do n't have employment, they only do training, and that is not what I signed up for. I should have checked with the XXXX because this company is a scam. I did not take the third class that cost {$340.00}. I have been working with Capital One since XXXX of 2017 trying to get this resolved. Capital One is charging me for all 3 classes, plus interest. Capital One is charging me {$740.00} to XXXX XXXX, the amount should only be {$390.00} since I only took two classes and I would like to dispute that amount as the classes were not as advertised. If push comes to shove, I am willing to pay the {$390.00} and mark it up as a lesson learned in order to save my good credit rating. I am not willing to pay an additional {$340.00} plus the interest Capital One is charging me, for a class I did not take. 

I was another victim of a scam. XXXX XXXX XXXX XXXX has scammed quite a few people, but Capital One should have had my back. I was a good customer, always paid my bill on time and had an excellent rating with them before this happened. I have called Capital One many times and have sent them the attached documentation. I finally cancelled my credit card. I had a zero balance before this charge of {$740.00} and now with interest it is up to {$830.00} and it just keeps getting bigger. If you can please help me with this, I will sincerely appreciate it. I am at my wits end and do n't know where else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have sent TransUnion,   XXXX   and  XXXX  each a letter stating my current most updated personal information and that all other information is not accurate. In return either non of the information is updated or partial of the information is updated and other random information such as my social security number was deleted.      XXXX / XXXX /   17 Mailed Address, Name, Work, Phone Number Information update. As of Mid   XXXX , only partial information was updated but old information was still being reported.   XXXX  Delete all other irrelevant information per my letter and only report the current updated information.

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 2017-07-03
Company: EQUIFAX, INC.
State: CA
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:
I have sent  XXXX ,   XXXX   and Equifax each a letter stating my current most updated personal information and that all other information is not accurate. In return either non of the information is updated or partial of the information is updated and other random information such as my social security number was deleted.      XXXX / XXXX /   17 Mailed Address, Name, Work, Phone Number Information update. As of Mid   XXXX , only partial information was updated but old information was still being reported.   XXXX  Delete all other irrelevant information per my letter and only report the current updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: Aargon Agency, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to XXXX in XX/XX/XXXX so they could verify what company sent me to their collects and they sent me documents from a hospital but I never had a contract with Aargon so I 'm not sure how they were able to send me documents.

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 2021-06-15
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have requested my report to have one name, one address and one employer. I have sent off letters and inaccurate information is still on my report.

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 2021-12-07
Company: EQUIFAX, INC.
State: NY
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
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: Account status incorrect

Complaint:
XXXX XXXX has it for collection, the creditor did not answer my health provider questions, so i not responsible in this health provided does not answer my ins inquiry

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 2022-04-30
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:
15 U.S.C 1681 section 602 A. States I have the right privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions The Account NO. XXXX ( Bankruptcy ) I have attempted twice to remove this item with all 3 credit bureaus. 
The account is inaccurate as well as violating my rights as a consumer.

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 2017-09-26
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have contacted Santander trying to resolve this matter for years now. I was scammed with this vehicle as it was a lemon crashed and fixed sold as new. I had this car repossessed due to Finamcial Issues and was given an offer for {$300.00} but they refuse to after payment is complete remove the negative information. This is incorrect as I asked for a pay for deletion. This balance of XXXX is due to fees and all this other miscellaneous stuff they have added on which is unfair to me due to the circumstances of how this all ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On  XXXX   XXXX , I clicked a link in an email for security purposes and received the following reply from coinbase : " We have received your request to disable signin to your account.   XXXX  At this time we have signed out all sessions for your account, disabled any new signins, revoked API access, and cancelled any recurring payments that were configured.   XXXX  If you have an existing support case open, our agents will get back to you as soon as possible. " It has now bee n 2 weeks a nd I have been trying to reach this company to re-enable access to my account without any type of success. My account holds over {$50000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: EQUIFAX, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Company- XXXX XXXX XX/XX/XXXX Balance - {$390.00} This acct was included in my bankruptcy and this business should be fully aware of the bankruptcy laws. The company did not apply in the time frame that was allowed and under these circumstances it should be removed from my credit report. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
In spite of the fact that month by month I 've been lowering the balance on a particular credit card, the credit-card company charges me ( minimum paymen t ) more  and more each month. I tried calling them to ask them to reduce the minimum payments per month, but I got a run around and was told " It 's because the interest charged goes up each month. '' Yes, that 's true, but that along with any charges on my card is covered by each month 's minimum payment. They wo n't listen to me. Now, I am on a very low fixed income, and though some months I have had some extra earned income, the last few months that income has dropped to nearly  XXXX , thanks to the economy. My last payment to this card, on  XXXX / XXXX / 2017 , was {$200.00}. After paying that and other bills on  XXXX / XXXX / 2017 , I have almost nothing left to cover my food, medications, and other necessary expenses for  XXXX . I desperately need help in holding those payments to no more than $  XXXX /month for a while, less if possible. Can you act as an intermediate or ombudsman to help in this matter?

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 2017-07-03
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 disputed fraudulent accounts on my credit report with Experian, XXXX and XXXX in writing twice. I requested that Experian, XXXX and XXXX send me DOCUMENTED PROOF OF VERIFICATION of the fraudulent accounts as per 15 U.S.C. 1681g. Additionally on XX/XX/2017 @ XXXX I spoke with a Supervisor by the name of XXXX XXXX of XXXX over the phone and verbally requested DOCUMENTED PROOF OF VERIFICATION. I specifically asked verbally and in writing for the DOCUMENTED PROOF XXXX has on file proving that the fraudulent accounts were properly verified in accordance with Federal Law at 15 U.S.C. 1681 g, i and 616 and 617.
<P/>Today I sent my THIRD request for DOCUMENTED PROOF as per 15 U.S.C. 1681 g, i and 616 and 617 from XXXX and XXXX as the fraudulent accounts remain on my credit reports 30 days after my request for DOCUMENTED PROOF and I have STILL not been sent the documented proof requested in the first two letters. <P/>I have fraudulent inquiries that I request be removed as they are not linked to any accounts on my reports and were fraudulently made by 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 non-monetary relief
Consumer complaint received 2017-10-24
Company: Experian Information Solutions Inc.
State: GA
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:
Illegal inquiries has been reported on all three reporting agencies. I disputed this with XXXX, Experian and XXXX and requested removal and none has provided validation of request for credit and i contatced each inquiry and none has validated request for credit. 

I asked for all XXXX credit agencies to remove inquiries until validation of request is complete and none have done so after more than 60 days ago.

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 2017-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Illegal inquiries has been reported on all three reporting agencies. I disputed this with XXXX, XXXX and Transunion and requested removal and none has provided validation of request for credit and i contatced each inquiry and none has validated request for credit. 

I asked for all XXXX credit agencies to remove inquiries until validation of request is complete and none have done so after more than 60 days ago.

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 2017-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XX/XX/XXXX XX/XX/XXXX : I requested validation/substantiation of a collection claim from XXXX XXXX XXXX XXXX XXXX in the amount of {$220.00}. No response was received at all, so I took it a step further and contacted TransUnion. ( followed the same steps for XXXX and XXXX, XXXX  removed the account after their investigation but TransUnion and XXXX continued to report this negative account on my credit report and hence this complaint. <P/>XX/XX/XXXX : I requested TransUnion investigate and remove the account due to XXXX XXXX XXXX XXXX XXXX failure to reply ( provided a copy of the letter that I sent to XXXX XXXX XXXX XXXX XXXX ). <P/>XX/XX/XXXX : TransUnion responded indicating that their investigation was complete and the item was verified. <P/>XX/XX/XXXX : I requested the method/explanation of verification in a very detailed letter. <P/>XX/XX/XXXX : TransUnion responded with a duplicate of the letter received datedXX/XX/XXXX, the only difference was the date. <P/>My request was completely ignored ; at the bottom of the TransUnion cover letter it indicates word for word, " if interested, you may request a more detailed description of how the investigation was conducted along with the business name, address and telephone number of the source of information. '' My requests were mailed certified, I am not only losing money but also spending time on detailed correspondence which is not read by a human, this is obvious because I am receiving duplicate automated responses.

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 2021-06-15
Company: DISCOVER BANK
State: NY
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:
review the following accounts that appear on my credit report, without any authorization, are hurting me DISCOVER Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15
Company: Bread Financial Holdings, Inc.
State: NY
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:
review the following accounts that appear on my credit report, without any authorization, are hurting me XXXX Account Number : XXXX This is not mine. 
CB/VICSCRT Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account with Chase bank, at their XXXX Illinois location on XX/XX/2021. I deposited XXXX checks from my employer, XXXX, and one check from XXXX, on XX/XX/2021. 

Chase Bank verified the checks and the checks cleared, however, every time I called or physically went into a branch location, I was told a different story for the reason they weren't releasing the funds. 

Chase Bank closed my account and sent a check for only the cash that I had deposited, holding onto the money from my XXXX paychecks. When I called to ask why I hadn't received the money for the deposited checks, I was told that even though they had verified all the checks, they wanted to hear from XXXX that the checks were actually issued to ME... despite the fact I had to show my ID in order to open the account, and XXXX XXXX, from the XXXX Illinois branch location personally verified my driver 's license, social security cards and my XXXX medical insurance card. She was told the manager she was speaking to was taking detailed notes that she had verified my identity, however when I called, the manager ( XXXX ) that I spoke to said there was nothing in the notes that indicated she had done so. 

The manager XXXX XXXX spoke with said they hadn't been able to verify the XXXX check, which was the result of an account closure with a positive balance. The amount of the check was {$1.00}, which the manager told XXXX they could waive verification requirements due to the low amount. When I spoke to the manager after my account closure, there was no record of the conversations XXXX had with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I do NOT have a signed contract nor any contract with XXXX, XXXX XXXX, or XXXX XXXX. I have never done business with these companies. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

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