BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: U.S. BANCORP
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/2022 I got a new credit card offer from my insurance company which was State Farm and the bank to sign up with was US Bank I had to spend XXXX dollars with it in 6 months and I earned a XXXX bonus. I did everything within 6 months and correctly and now they are refusing to honor the offer and pay the bonus. I have the original mailing I was sent, also I complained to State Farm insurance and they had a liason they said talked to them and still US Bank have refused to honor the offer.

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 2020-05-18
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$330.00}

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 2022-12-17
Company: Experian Information Solutions Inc.
State: LA
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 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 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 2021-03-22
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 was reaching out again that this is my FOURTH WRITTEN REQUEST, despite my three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.

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 2021-03-21
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2021, COINBASE, took {$25000.00} out of my bank account leaving me with no access to the trade. The account has always been BLOCKED or restricted.

I contacted them countless of times, but there is no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My credit card balance was {$12000.00} I initiated an {$8000.00} payment on the card, cancelled it and then changed it to a {$3000.00} payment. 
My available balance for purchases then became - {$970.00} not the {$3000.00} I just paid. 
Contacted a CS rep who said I never made the {$3000.00} payment- the bank returned it. I showed them proof and they said the system had not updated Contacted a 2nd CS rep and they said in fact the {$3000.00} was in fact paid but " The {$9400.00} is a non promo balance on your account adjective balance on the account '' Nonsensical response. 
Sent an email to the company and the response did not even address the question. The response was " Please note our records indicate a payment pending for {$8000.00} and a payment reversal for the same amount. The negative amount shown is for the payment reversal. '' How does $ XXXX $ XXXX a negative available balance?? 
My available balance was not negative before I made the {$3000.00} payment so how could it be negative AFTER I make a payment. 
This is not the first time Synchrony Bank has been deceptive in dealings with my account. 
Any help you can avail me would be greatly appreciated. 

Thank you

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 2023-03-21
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I called on XX/XX/2022 to request a refund of my student loans ( {$10000.00} ). Since then I have called several times to check on the status and all I get from them is " your refund is being processed by the Treasury Department ''. It has almost been 5 months and I was told the whole process would take 8-12 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Monterey Financial Services LLC
State: IL
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:
I am not Liable for this debt with XXXX XXXX, I DO NOT have a contract with MONTEREY COLLECTION SV. They did not provide me with the original contract as requested. According to 15 USC 1681 a 2 they must have written authorized permission to furnish those accounts on my credit report. They are in violation as I have not provided this permission. 

I have also filed complaints with the Federal Trade Commission as well as the XXXX XXXX XXXX regarding this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: JPMORGAN CHASE & CO.
State: IL
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: Their investigation did not fix an error on your report

Complaint:
My credit report shows a 90 day late with a with a credit card company that I set up a payment plan with. The report is false incorrect. I was scheduled to pay installment amounts for 3-4 months of {$35.00}, {$60.00}, and {$120.00} to avoid late fees and penalties in XXXX of XXXX as well as XXXX   of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 31 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 31 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong hands of the wrong person.

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 2022-12-09
Company: EQUIFAX, INC.
State: AZ
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 am intrested in disputing all unauthorized information on my credit report with Equifax. alot of information is not accurate on my 3 credit reports. this is hendering my file for approvals an accurate information. please update

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 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 2018-06-28
Company: Experian Information Solutions Inc.
State: MA
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 been going back and forth for the last 4-6 months to try to resolve some adverse items on my credit report which listed with multiple inaccuracies. I've attempted to contact both the major credit bureaus and original creditors. These are total violations of FCRA and FDCPA. I demand under the provisions of FRCA and FDCPA that these items being investigated, validated and ultimately correct/updated or DELETED from my credit 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 non-monetary relief
Consumer complaint received 2022-04-29
Company: National Credit Adjusters, LLC
State: OH
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:
After negotiating a sttlement, and paying such settlement, theyrefuseto report and account settled and no longer open.. Ive tried several times, via dispute, to get them to correct this issue... They refuse, which makes it look like, on my credit report, that the acoount is still open, and not settled...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Radius Global Solutions LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Radius Global Solutions LLC XXXX XXXX XXXX SYSTEM XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX, XXXX To XXXX The Office of XXXX XXXX for Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX XXXX XXXX to administrate ( acting trustee ) on the XXXX XXXX XXXX XXXX together with a certified copies of signatures contract between you and XXXX XXXX XXXX XXXX you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable XXXX Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : XXXX 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 2023-11-11
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. In my research on how to remove fraudulent inquiries from my report, I discovered the necessity to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file an identity theft report. According to FCRA Section 605b, Credit Reporting Agencies are mandated to remove any items listed on an identity theft report. Attached are documents to facilitate the blocking of erroneous information currently posted on my report. The following inquiries, which do not belong to me or were opened without my permission, require your attention : 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 TRANSUNION XXXX XXXX XXXX  As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to block any information in the file of a consumer identified as resulting from alleged identity theft, not later than four business days after the date of receipt.

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 2023-01-07
Company: WELLS FARGO & COMPANY
State: TX
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 called wells Fargo reporting a purchase issue with XXXX for {$3800.00}. Where I paid an extra {$40.00} to XXXX for a secured delivery to me and the parcel to be only released to me but anybody else i did that because of the amount of the purchase and i wanted to be secured from my end. On the XXXX of XXXX, i was at home waiting for my parcel to arrive, XXXX never showed up and i received an email from XXXX saying that the parcel was delivered to the address i freaked out and checked the tracking, It said it was delivered NO SIGNATURE WAS OBTAINED AND SOME RANDOM DELIVERY NAME AS XXXX was mentioned, For secured delivery XXXX is required to check the ID of the person before they release it. I freaked out so much as it is my life 's very first investment i called wells Fargo and reached out to XXXX and XXXX XXXX XXXX said that the sender could file a claim with us as a receiver i could not do anything. I called XXXX they said they will look into it since then never replied, Wells Fargo initiate my dispute on the XXXX of XXXX with dispute details Dispute Number : XXXX Date Posted : XX/XX/2022 Merchant Name : XXXX, XXXX. 
Amount of Transaction : XXXX Card Number : XXXX Status : Dispute Initiated Wells Fargo called me on XX/XX/XXXX saying they are going to decline my dispute, I spoke to XXXX from the claims department, and She was insulting, I was trying to understand how can i put liable for something i did nothing wrong - ) I paid extra on top of the total price of the product. 
- ) i informed my bank less than XXXX hours after the incident. 
- ) i replied to every call wells Fargo had for me. 
even after all of this, she was so rude to me that SHE HUNG UP ON ME WHILE I WAS TALKING. and just yesterday they posted the charge back onto my account. 

I want to know where was i wrong? how am i liable? 
I am a fulltime XXXX student, it was my life 's first investment and i have now been left with nothing they putting me liable for something i never received. What about visa customer rights. XXXX did not deliver what they promised. 


Please help me Please.

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 2021-03-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX card service is reporting an opening date that I can not match to my records, I am asking them to provide me with a copy of the original application so I can verify accuracy on the opening date and exact match to my records. EXCUSES WILL NOT BE ACCEPTED EITHER YOU HAVE IT OR YOU DONT

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 2021-07-02
Company: EQUIFAX, INC.
State: MO
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 sent out letters the credit bureaus to get some items investigated on XX/XX/2021. I have not got an update to this day i got nothing in writing no score change nothing as a consumer that is not fair reporting i have things I need and the bureaus are holding me up. They have been in business to long to handle business like this ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Absolute Resolutions Corp.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

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 2023-07-02
Company: Genesis FS Card Services, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Genesis FS Card Services are harassing me by repeatedly calling me every day and more than 7 times a day trying to collect a credit card debt. I have blocked them and from XXXX XXXX till XXXX XXXX I have screenshots of XXXX blocked calls from them. The phone number is XXXX. Now they have started calling me from phone number XXXX and emailing me. I cant take it anymore more, the account is closed, on my credit report as closed on XXXX XXXX. Please help me, I can provide screenshots of the call log.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Self Financial Inc.
State: TX
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 have disputed several times thru credit bureaus to remove Self Financial as it is fraud, I did not open this account and have filed Identify Theft Report. The bureaus reported back that the merchant stated it was accurate. 
I have contacted Self Financial, at great difficulty as the calls go to the XXXX XXXX XXXX, and the only option is for the person to escalate the call and someone will contact you. An email was received from this procedure and I followed their procedures, ie email and sent the fraud report. Not successful in replying to email by called as you then get the same run around. I have sent certified letters requesting Self to furnish me the documentation used to open this account as required by law, and a form letter dated XXXX was all that I received saying the account is valid. 
I am told this company is termed a " XXXX XXXX Account ''. My credit score runs in high XXXX 's to XXXX, I don't need a credit builder account but I cant get thru to the proper people to remove the account and it is now showing past due and can affect my score. 
The account was opened in XX/XX/2023 and I first was made aware XX/XX/2023 report. 
Please see all my attached documentation.

Company response to consumer: Closed with non-monetary relief