BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XXXX, my XXXX XXXX pulled my credit score with Equifax and gave me the score of XXXX. As a member of MyEquifax, I pulled my credit score and it was XXXX. When I questioned the XXXX XXXX and Equifax, I got the run around. Equifax shows a Vintage 3 model. The XXXX XXXX says they use a different model, but could not provide the name. When I talked to Equifax, I got the same lame excuse. Why do we subscribe to these services if the information they provide is different than what the financial institutions use? In my opinion, it is a method which allows the financial institutions to use a lower credit score in order to charge higher interest rates. On the surface, this appears to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXXand I do not have a contract with NWIDE RECVRY plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$2300.00} I demand this account to be deleted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. 
As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act, The list of home addresses, and 2 employers below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX Country XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX Employers : XXXX XXXX XXXX XXXX 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 consent, or instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: Bread Financial Holdings, Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have an account with XXXX  XXXX through bjs account number # XXXX and another account that comenity account number # XXXX where I am charged monthly amount to pay off the payment for my dental bill but I was charged twice over a year ago and have tried to get that money back being an amount around XXXX dollars the bank has refused to refund my money while also continue to call me insisting that I still owe them money when that isn't the case and they refuse to even discuss returning the money they took form me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
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:
Nissan Motor Acceptance Corporation is saying that I owe {$4800.00} when I already settled the debt with them for {$1600.00} back in XXXX. My credit score is starting to fall and debt has increased on all three of my credit bureaus. This is false information. The company they used to collect the debt was XXXX NMC. The charge shows on my bank account on XX/XX/XXXX through XXXX XXXX. Somehow this debt has returned. Please help. 

Here is the company in question : XXXX XXXX XXXX Here is the company they used to collect the debt : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Consider this an unequivocal demand for your immediate investigation of specific items that I firmly believe have been erroneously reported. These items are not only factually incorrect but are also inflicting severe financial and emotional distress upon me due to their damaging nature. I insist upon the immediate deletion of the following items : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. These listed items are grossly inaccurate and demand correction without delay. It is my unwavering belief in the law that mandates your investigation to be completed within a strict thirty-day window. I anticipate nothing short of a prompt response from your end. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: MD
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:
It is listed on my credit report that a XXXX  XXXX bankruptcy was filed. I have communicated with the courts and they have stated that no information has been verified with them in reference to this information. They do not give this information out at all. I have contacted the bureaus and asked them to provide me with the documentation that they have received from the courts to verify a bankruptcy and they still have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A, States I have the 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 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

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 2022-04-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chase placed a hold on a check I deposited on XX/XX/2022 which was supposed to be made available on XX/XX/2022. But the funds were made available for use on XX/XX/2022. I don't know the difference between a fraudulent check and a regular check that was why the hold was placed on the check but it was lifted which to me means it is a good check. XX/XX/2022, I woke up to $ XXXX in my chase checking account. I called the bank and they told me the check was fraudulent. I also went to a local branch but they said they made the check available because I am a loyal customer but they didn't investigate the check to know the validity of the check before releasing it. The said check is for a " supposed '' online job I applied to. I have no idea what type of check it was. I was just a job seeker doing my job at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Upgrade, Inc.
State: IL
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 disputed a charge on XX/XX/XXXX with Upgrade because I received a defective product and the merchant was not allowing me to return the product nor would they allow a refund. Upgrade opened the dispute but closed my dispute prematurely twice without considering my evidence. Each time they sided with the merchant. First, they closed it because I hadn't returned the product. I showed them proof from the merchants own website that returns are not allowed. Eventually, I received permission from XXXX on XX/XX/XXXX who is an Upgrade escalation dispute rep who told me to send the defective product back to the merchant. I returned it on XX/XX/XXXX and I have a XXXX XXXX  and proof that it was received by the merchant. The 2nd time Upgrade closed my dispute was because the merchant allegedly told them it was a valid charge and they attempted to fix the issue but it was not followed. I followed their instructions and they were not able to fix the problem ; but Upgrade still sided with them. I was not treated fairly by Upgrade. When I would call them, the reps would keep me on hold for very long periods of time. One rep named XXXX hung up on me. XXXX and XXXX who works in escalations promised to call me back with resolution but never returned my calls. Upgrade told me the merchant stated they will resolve on their end and to call the merchant. I spoke to XXXX, the merchant on XX/XX/XXXX who stated her company sided in my favor and that my refund was sent back to Upgrade. She even sent me an email stating this. I sent a copy of the email to Upgrade and was told that even though the merchant mentioned that Upgrade should refund me and that they no longer have my funds, Upgrade told me that what was sent was a copy of the chargeback and not the refund. They said I need to go back to the merchant for resolution. I called the merchant today and spoke with XXXX. After XXXX read the email that XXXX sent me which was noted on their files, XXXX rudely and abruptly hung up on me. My money is in limbo. At this point, I don't know who to believe. Had Upgrade handled my dispute properly, I would have had my refund months ago. I feel they are keeping the charge on my account so that can draw interest from it. I want my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: BARCLAYS BANK DELAWARE
State: IL
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:
This complaint is regarding a charge-back dispute dated XX/XX/XXXX. The dispute is over the purchase of plane tickets valued at XXXX dollars dated XX/XX/XXXX. The dispute record number for this claim with my creditor is XXXX. 

I have included in this complaint : a record of my first email exchange with XXXX customer service, my second email exchange with XXXX customer service. My email exchange with the U. S. Department of Transportation, my second claim letter to my creditor, and the U.S. Department of Transportations original mandate that justifies my claim to a full refund. 

As I argued in my original claim, XXXX canceled my flight due to COVID-19 complications. They initially tried to offer a voucher as a form of reimbursement. After I replied that I was due a full refund and that this refund is mandatory per the Department of Transportations enforcement notice, they requested my account information to transfer my refund. They then promptly cut off all communication with me and did not reply to my emails. 

After originally opening my dispute, both XXXX and my creditor argued that the refund terms were fulfilled and that I was not owed a refund. They claimed that the merchant has a no refund cancelation policy therefore I am not owed anything. This completely ignores the DOT enforcement that I included in my dispute claim. XXXX has also failed to respond to my DOT complaint within the required window of time, indicating they have no intention of interacting with me in good faith as a merchant. Furthermore, my creditor is obligated to credit this amount as it is considered a billing error under USC Title 15, Chapter 41, Subchapter 1 Part D Section 1666 ( b ) ( 3 ). XXXX has announced bankruptcy on XXXX XXXX, XXXX and cancelled their flights for the year XXXX ; they are unable to fulfill their obligations. I made this argument to my creditor, but they have not provided any counter argument to my claim and have simply rejected my dispute a second time with no justifiable grounds beyond the simply cancelation policy that XXXX originally provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently reviewed a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. Under the Fair Credit Reporting Act 15 U.S.C 1681i all unverified accounts must be promptly deleted. If you do not have any documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) .By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Please don't respond to my request by saying these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. The accounts are listed below XXXX XXXX  XXXX Account # : XXXX XXXX  XXXX Account # : XXXXXXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ... GENESIS CRDT ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX ... XXXX XXXX that listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want their alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: BAM Management US Holdings Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My funds have been locked on Binance.US EXCHANGE I have been submitting tickets to them and trying to contact them online on every single platform for the past 3 weeks I can not exchange trade withdraw or deposit I have no control over my funds what so every and the worst part is its frustrating to get a hold of them as if they dont even recognize their customers. 
They locked the account for no reason what so ever the problem is not from me its all their problem and now I am losing money and have been losing money for using their service and trusting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I initiated a balance transfer from a Barclays credit card onXX/XX/19 to payoff my XXXX credit card for {$2600.00}. I did a total of 3 balance transfers that day and the other two transfers to other credit cards went fine but after several weeks of waiting I called Barclays on XX/XX/19because the transfer did not show up in my XXXX account. After they reviewed my transfer request it was determined that I had a typo in the XXXX account number ( they only wanted the last four digits ) so Barclays started case # XXXX onXX/XX/19and said it would take a few weeks to resolve. I called back around XX/XX/2019and they said the case had not been resolved and it could take up to 30 days so I called back Barclays around XX/XX/2019 and they said they would escalate the case to the Settlement Department and to call back in 7 - 10 days. I called back onXX/XX/and spoke to a supervisor who said the case was still pending but they would escalate the case again and for me to call back in another 7 - 10 days and the case should be resolved. I called Barclays again onXX/XX/2019 and spoke with a supervisor XXXX - Operator XXXX  who asked me to send copies of my XXXX statements to prove the balance transfer of {$2600.00} did not credit to my XXXX account as their settlement department said they received proof of payment but didn't provide any explanation or additional information. OnXX/XX/ I sent XXXX at Barclay 's my XXXX, XXXX, XXXX Statements from XXXX as well as a page of account activity throughXX/XX/19proving my account was not credited. I called again today XX/XX/19and the case is still pending and they still can not provide me any kind of an update at Barclays and said it would be another 7 - 10 days. Meanwhile I am making payments to both Barclays and XXXX. I notified Barclay 's that I have filed a complaint with the OCC, Colorado Attorney General and CFPB.

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 monetary relief
Consumer complaint received 2021-02-09
Company: EQUIFAX, 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:
Equifax continues to report the XXXX XXXX XXXX partial account number XXXX as account not disputed. I have contacted the bureau on multiple occasions to in fact dispute the validity of this account. The bureau has not even bothered to investigate this and report the status correctly that this account, is in fact in dispute. It is a violation of the Fair Credit Reporting act to not report accurate information on a credit report. I respectfully request that Equifax do their job and either remove this line item and/or update the status to report account in dispute. The false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed.

Company response to consumer: Closed with explanation