BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08
Company: Bread Financial Holdings, 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:
When XXXX XXXX  XXXX went into lockdown due to the COVID-19 pandemic, I lost my job and subsequently, the ability to make regular payments on my credit cards. I contacted all of the credit card companies - including Comenity Bank, which services XXXX XXXX customers - and requested that my account be placed into forbearance. I was told that I was placed into forbearance and that I would receive notice to resume payments in the mail. In mid-summer, I noticed that a delinquency from Comenity Bank was added to my credit report, which is inaccurate. I filed a dispute and called Comenity Bank, and was told that I never called to request forbearance - which is 100 % completely erroneous. The delinquency remains and it is negatively affecting my credit score. This is an egregious act especially during a very difficult time for those who have lost their job due to this crisis, and the only issue I am having out of all of the banks I work with is Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Coinbase, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I have been using CoinBase to buy, sell, convert, send, and receive cryptocurrency. In a recent audit of my transactions, it appears as though CoinBase has been charging me hidden fees for conversions from one coin to another when the transaction pages clearly state that there are no fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This seems to be a XXXX XXXX XXXX Scam got via email. 
XXXX Ace Cash Express Payday Loan Good morning This is Attorney XXXX XXXX calling from The XXXX Law Firm, XXXX TX billing department. 
We are emailing you concerning an overdue bill. 
Case # XXXX Your Billing amount of {$740.00} Contact at : mailto : XXXX I have a bill here for your name the unpaid loaned amount of {$740.00} is currently 180 days past due. I know its easy to forget about bills, but Id hate to see this go on your credit report with the legal charges below via courthouse. 
XXXX XXXX XXXX XXXX HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER Our policy is to send bills more than 180 days overdue to a collection agency, but if you can take care of this right now, we wont need to do that. I realize thats a large sum. But Id still like to work with you to avoid this being on your credit report. 
We can offer to split that into a one-time case settlement payment of {$540.00} and close this case today, or 3 Biweekly payments of {$250.00} each until the loan amount of {$740.00} is paid off. 
If you can make the first payment right now, I can set your account up so that its no longer delinquent. 
Kindly let us know are you willing to resolve this matter out of the courthouse or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out. 
Note : This is your last and final chance to settle this case. 
Else we are going to transfer your file to the legal department to download the case against you and you will receive the court summons at your doorstep within 2-3 working days. Kindly hire an attorney. 
NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS. 
Kindly let us know what type of payment arrangement ; you are looking for at mailto : XXXX Regards, ACE Cash Express, Authorized. 
Copyright 2019 ACE Legal Group of Attorneys | Privacy | Terms of use | Carrier

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: MI
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:
Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX Unit XXXX City, XXXX, Zip : XXXX, MI XXXX Dispute Department EXPERIAN XXXX XXXX XXXX XXXX, Tx XXXX To Whom It May Concern I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible. 

FRAUDULENT INQUIRIES Xactus - XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2023-05-25
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10
Company: AMERICAN EXPRESS COMPANY
State: NV
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:
On XX/XX/XXXX I ordered ( XXXX ) 2 TV boxes with 2 lifetime warranties from XXXX XXXX XXXX and used my American Express Serve card for payment, {$170.00}. On XX/XX/XXXX I  cancelled the order by phone speaking with XXXX, the Customer Success Manager at XXXX, due to them not being in stock. I still have yet to hear from this company so I filed a dispute investigation with American Express online as instructed, spoke with someone at XXXX. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I faxed ( XXXX ) and emailed the proof of documents requested by them ( XXXX ) through the American Express Encrypted Email. On XX/XX/XXXX I get this email : After completing our review, we are pleased to let you know that the temporary credit of {$89.00} that we credited to your account on XX/XX/XXXX has been made final. This case is now closed. First of all, the amount of the refund is wrong and when I look at the refund that was actual credited to my card it was only {$67.00}. I tried calling XXXX and was told I can only email the dispute team they don't take phone calls. Like I said I provided proof three times to them and they are not taking the time to get it right. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
There are five student loans showing up on my credit bureau as delinquent. However, all of my student loans transitioned to XXXX and are in repayment with a good standing. Some of the delinquent loans have the same date or date range as my XXXX loans. I did not take out separate loans from the ones I already have that originated at XXXXXXXX XXXX  University - XXXX. For example, there are two loans dated XX/XX/2007. Did someone take out a separate loan after I did on the same day? I do not understand why this would show up under the XXXX XXXX XXXX in addition to the XXXX  loan in repayment with the same dates. XXXX is the service provider for all of my student loans including my only private loan. Additionally, the XXXX XXXX XXXX XXXX has sent a letter to garnish my check at my job. The principal amount is {$27000.00} ( see attached ), which is close to the same amount I am still paying. Please help me clear this up so this no longer shows up on my credit bureau doubled up with additional fees.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: NC
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:
It has come to my attention, that XXXX XXXX XXXXXXXX XXXX from XXXX has transfer an account to XXXX XXXX XXXX. Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their acct # XXXX, balance {$2200.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me? 


Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j.

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 2023-05-25
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10
Company: AES/PHEAA
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: Public record information inaccurate

Complaint:
In XX/XX/XXXX AES was discharged in bankruptcy. They refuse to stop harassing me or remove the debt. I continue to get bills, statements and everything from this company. I have sent them bk discharge papers numerous times over the years including copies of my credit reports showing it was discharged in BK in XX/XX/XXXX. They will not remove it, respect the judges decision and continue to break the law. Once the BK fell off of my credit report, they put it back on with 10 yrs worth of interest. I am looking for a attorney but I am being denied credit and my credit limit is being limited because this debt is being reported. They are currently in contempt of court. I sent a certified cease and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: SCOTTRADE BANK
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2018.account # XXXX.i lost ( XXXX ) .Scottrade claim, I owe them {$20.00}. ( so they close my account with out advising me on closing. scottrade advisor are and was good for taking fees just for them too have a paycheck every Friday.XXXX bought out Scottrade and a lot of Scottrade employees got fired and laid off, so everything under the sin must and start taking place with them, ,because of the Merger.my stock was value at least {$350000.00} dollars plus. I only spent out of pocket $ XXXXover time frame I was with Scottrade before recently before the merger.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-07
Company: Experian Information Solutions Inc.
State: NM
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:
On XXXX/XXXX/20 I received an email from Experian stating that XXXX reported they had closed a credit line belonging to me on XX/XX/XXXX20. I responded to the email that my only XXXX line of credit, a XXXX credit card remains opened and in good standing. I also mailed a dispute to XXXX on XX/XX/XXXX20, Below, I have pasted information copied from the Experian website : On XX/XX/XXXX2020, XXXX XXXX XXXX has reported to Experian that they've closed a credit line with your account. 

Source : Experian Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX-XXXX Activity : Credit Line Closed by Credit Grantor Balance Date : XX/XX/XXXX2020 2020

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 2018-08-31
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: Account information incorrect

Complaint:
I put in a dispute with XXXX credit bureau dispute department but they still refuse to change the reporting on my credit card, which shows 1 month late payment in the month of XX/XX/2016. I advised XXXX that during the month of XXXX and XXXX, I was in XXXX visiting family for XXXX and I was involved in a car accident. I was XXXX  for 6 weeks and could not get back home to the US and did not have to my check books or online login to pay my credit card because my laptop was smashed in the accident and my login info was stored on the notes in my laptop and autosaved in my web browser, so I did not have access to this info when I was XXXX. I requested from XXXX to understand my situation and remove the " 1 month late payment '' reported on my credit history, but they refused to take action. However, XXXX XXXX XXXX XXXX understood my situation and they amended their records to remove the 1 month late payment they had similarly imposed on my account with them. I do not understand why XXXX can not understand this matter!!!??? 
Before XX/XX/2016 and after that month, I have been running my account in a pristine manner and have run my 2 accounts with them without ANY late payments at all ( my credit score of XXXX at present ).

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 2018-05-10
Company: 2288984 Ontario Inc.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I was given a call by XXXX XXXX XXXX XXXX XXXX XXXX XXXX who had threatened me with legal action if I did not pay them money. They told me also my credit would be damaged dramatically if I did not pay. I did end up giving some card information for my payments and was cooperative, however, XXXX did not send me any paperwork or taken action to sue me, which she said they were going to. They used scare tactics in order to have me give them my card information and only from a debit card or credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo has consistently charged overdraft fees on items that they pay when there is insufficient funds in the account to cover the item that was submitted. I have repeatedly asked Wells Fargo to stop paying items when there isnt sufficient funds to cover the item. This time Wells Fargo paid 6 items that were presented as automatic payments, overdrew the account and then charged me {$35.00} overdraft fees 6 times. If this isnt abusive practices I dont know what is. These overdrafts occurred on XX/XX/XXXX through XX/XX/.

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 2023-04-03
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-07-23
Company: Genesis FS Card Services, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/XXXX, FS Genesis Card Services issued a system generated replacement credit card ending in XXXX. When I XXXX XXXX called in to speak with an agent, I was told that t6he system generated the card on XX/XX/XXXX. On XX/XX/XXXX, I called back after speaking with the post office being told that the piece of mail had not been received by the USPS. I was then told by FS Genesis that I would have to wait 2 more weeks and being frustrated with me the agent hung up on me. I called back and XXXX, another agent told me that the first card was never sent due to a system error. He told me that a new card had been reissued on XX/XX/XXXX. He proceeded to tell me that as it is only 5 days from that date, that I would have to wait a full 7 to 14 days to receive the card. The issue that I was told that prevented the card from being shipped after the final call on the XXXX of XXXX was that FS genesis card services was short on card plastic. Prior to this, all agents were telling me that the cards were in the mail already and that I would have to continue to wait for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: EQUIFAX, INC.
State: AL
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 sent by certified mail to each : XXXX Equifax XXXX A letter to remove all records of credit that no longer has any contact with me at my current address. I attached 3 proofs of my identity with my current address. All three acknowledged receipt of said complaint but without addressing my complaint. Specifically : I do not have any other current address and I do not desire any other addresses to be retained or reported, if any now delete and provide proof of your legitimate authority to retain much less report without infringing on my consumer rights. 
Sent XX/XX/2021 And approximately XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
American Express is sending text messages with information of my account activity, including charge balances, to an unrelated third party. That individual contacted me in XXXX to notify me of his receipt of these messages. I have called American Express four times to try and have this corrected. I was assured in XXXX that the issue had finally been rectified. Today, the individual sent me a screen shot of his text message from American Express with my account information, including current account balance. I fail to understand why American Express can not correct this egregious security breach.

Company response to consumer: Closed with explanation