BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: NJ
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:
Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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: Information belongs to someone else

Complaint:
This is my second complaint due to the fact that I've yet to get a response to my first complaint and it's yet to be resolved in a timely manner! Please see items attached.

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 2023-06-20
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: JPMORGAN CHASE & CO.
State: RI
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/2022 XXXX, XXXX JPMCB CARD POTENTIALLY NEGATIVE I am looking to get this removed out my credit report, I paid this off and will like for it to be removed so my credit can go up. I am a hard worker, and I am trying to buy a house. Please remove this out my credit report. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: MoneyLion Inc.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a money lion app account my account was fraudulently accessed personal information was changed money was taken from my account and sent to my XXXX XXXX. I did not authorize any money to be transferred I have discussed and disputed the transaction four times with money lion and I keep denying my claim they will not refund me my {$1600.00}.

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 2019-05-08
Company: Experian Information Solutions Inc.
State: VA
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

These accounts are reporting information that is not allowed pursuant to FDCPA, FCRA, and US Bankruptcy code. Please delete all negative remarks about these accounts immediately, as that information should not be reporting. 


Bankruptcy chapter XXXX- discharged

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 2023-05-29
Company: EQUIFAX, INC.
State: NC
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 2018-09-27
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am requesting that this item be removed from the credit bureaus immediately. I have not open an account in XX/XX/2018 with XXXX. This is an error. I have XXXX service for years. The amount reporting is {$430.00}.

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 2022-06-13
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX I received a notification from XXXX that one of my credit card statuses changed. I logged into XXXX account to see my citi DoubleCash mastercard credit card decreased in limit by {$400.00}. This is after I just made a {$480.00} payment last month to substantially lower the balance on this card, now bringing the available credit from several hundred dollars to only {$80.00}. I was not notified by citi that this limit change was happening and it happened four days after the payment was made. I have made on time payments with this card since the card has been open, and have a great payment history with my other credit cards. There really is no reason for citibank to do this to me. 

When I reached out to citibank, to find out why and to get them to reverse this as I am trying to buy a home and them decreasing my limit harms my chances, I was told that I needed to reach out to XXXX because XXXX is their credit management company and would be able to assist with my request. I thought this was the most ridiculous referral I had ever heard but I let it go because it was the weekend and I did not want to deal with it. I called XXXX on XXXX, XX/XX/XXXX and they, of course, told me they couldn't help me. I called citibank back and was told AGAIN that I needed to call XXXX. That XXXX was the credit management specialists and they could tell me why the credit limit was lowered and that citibank could do nothing to help me, no supervisor could help. Finally the person over the phone gave me an address to dispute the credit limit decrease after I kept pushing and prodding that XXXX is an unacceptable answer to my problem. 

Even still, lower a customer 's credit limit with no warning ( its been 20 days since the limit has been lowered! ) and no notification and I have to send a letter with a credit report, my personal information ( social security number, account number, birth date, etc ... ), and a plea as to why it should be reversed is a lot to ask. I am now wondering if the limit would have been lowered if I hadn't made the payment. Is this a systemic issue with citibank?

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: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
In or around XX/XX/2021, I became a target of an intricate scam orchestrated by an individual identified as the " Professional Scammer '' ( referred to as the " Scammer '' ). This elaborate operation was designed with the explicit intent of robbing and defrauding unsuspecting individuals. Subsequently, a sum of XXXX USD was wrongfully transferred from my account through Cash App to the individual identified as the scammer, XXXX XXXX, utilizing Cash App 's services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
A deposit was received into the account and a transfer was initiated to a bank account. The transaction wasn't successful on either end, however it wasn't returned to Venmo to be able to retrieve it using a different bank account and the funds are in limbo. Venmo has refused to revert the transfer, and assist to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2023 I did an online transfer of {$200.00} from my personal checking account to my business checking account. This was to cover a {$200.00} payment that was going to cause NSF. Wells Fargo didn't do the transfer until XXXX and hit me with two {$35.00} Overdraft Fees totaling {$70.00}. The local branch Mgr admitted the transfer should've gone through first, but their policy is they can only credit back half of the Overdraft Fee. I was credited back half, which totaled {$35.00}. I've been told that they give at least XXXX for customers to put funds into their deficient accounts before they charge Overdraft Fees, but they keep charging me XXXX later. I was notified by XXXX of a {$5.00} charge on XX/XX/2023 XXXX and Wells Fargo charged me {$35.00} Overdraft Fee XX/XX/2023 XXXX from their email.

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 2023-11-14
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
this happened on XX/XX/2023 XXXX wired filed a claim and it was closed/denied.

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 2023-02-18
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I completed this XXXX and outdated verification portion when I opened my account and have had no issues since then up until yesterday at my mechanic. I attempted to pay for services and the transaction declined. Now Citi is telling me to wait 7-10 days AGAIN to verify myself after never changing my phone number. That costs me another {$1000.00} in fees to pick up my car!!!!!!!

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 2023-06-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: LA
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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: SECURITY FINANCE CORP
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I was unaware that PROFESSIONAL FINANCIAL SERVICES OF OHIO , LLC, did not fully disclose the terms in our consumer credit transaction, I was told that i needed to put down {$3000.00} in order to secure the loan and get the car. I sent a letter 30 days ago and no response at all. 
But as it has come to my attention that in any consumer credit transaction the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 15 usc 1605.

As well as If a consumer prepays in full the financed amount under any consumer credit transaction, the creditor shall promptly refund any unearned portion of the interest charge to the consumer. Pursuant to 15 usc 1615.

As the natural born man and consumer, I am demanding that my downpayment to be refunded to me immediately as well as ALL PAYMENTS I have paid since XXXX/XXXX/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 explanation
Consumer complaint received 2023-11-19
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open a five year CD on XX/XX/2023 for XXXX with BMO XX/XX/XXXX on their website, filled in all the correct information, received and used their verification code n my phone, and go rejected twice without explanation. The bank uses a no reply email, and I am abroad for the month and can not contact them at al ( they only have a phone number, which you will be on hold for for an hour ). They provide no reason for the rejection ( and could have none ), no mechanism for appeal, requested no information, and provide now way to contact them on line. This is fraudulent and a licenses bank should not be allowed to deny a CD account arbitrarily, with no information provided and no way to appeal, especially for a five year CD ( what would be the issue? )

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 2023-05-02
Company: EQUIFAX, 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:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below WELLS FARGO CARD 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 2021-05-31
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I'm getting increasingly more disappointed with your organization. After discovering these blunders being accounted for on my credit report I have made the essential strides to illuminate all of you regarding the mistakes. By and by all of you are not doing your part to determine my issues. My family and I are getting exceptionally fretful. My lawyer advised me to send this letter to alarm you these blunders prior to making a legitimate move. I'm an individual that goes to work ordinarily to ensure my family have equivalent freedoms actually like every other person. I'm a shopper that will not be a survivor of provocation or misuse. As indicated by 15 USC 1692d 1. ( 1 ) the utilization or danger of viciousness or other criminal intends to hurt the actual individual, Notoriety, or property of any individual ; is an infringement of the Reasonable Obligation Assortment Practice Act. Detailing bogus data on somebody's credit report is unfavorable to a shopper 's standing. Sending letters an endeavor to gather obligation from a shopper who obligations don't have a place with is likewise a type of provocation which is another infringement of 15 USC 162d 1. ( 1 ) Continually sending letters that has images of an obligation authority outwardly of letter is an infringement of the utilization or Danger OF Brutality or other criminal intends to hurt the actual individual, notoriety, or property of any individual ; is an infringement of the Reasonable Obligation Assortment Practice Act. Additionally as indicated by 15 USC 1681 ( A ) Precision and decency of credit announcing The Congress makes the accompanying discoveries : ( 2 ) An intricate system has been produced for exploring and assessing the credit value, credit standing, credit limit, character, and GENERAL Standing OF Purchasers. You can survey my acknowledge report as proof to see that my standing indeed has been demolished. This part unmistakably says that a customer 's credit report was set up to recognize an Overall Standing OF Purchasers. Likewise, I expressed before I was a casualty of the Equifax Information Penetrate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Atlanticus Services Corporation
State: AR
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I made my payment but saying the never received it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation