BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: NC
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 have written XXXX, Equifax, XXXX 3x disputing the incorrect and fraudulent information on my credit accounts. Begging for the Burden or Proof. The bureaus have sent letters and emails denying my claims of incorrect reporting, inaccurate reporting and identity theft. Stating the the reporting companies certify that these INQUIRIES, missed payments, late payments, and or collections accounts are mine. I have yet to be provided with documentation or verifiable proof that these negative accounts belong to me. I feel that due to my race the bureaus are targeting my credit profile to keep my scores low and my ability to prosper from good credit from happening. I have challenged their accuracy in reporting using 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Ive also challenged their collections errors and late payment errors using 15 U.S. Code 1681s2 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: National Credit Adjusters, LLC
State: OH
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:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
In XX/XX/2022 I mail a rent check from my XXXX checking account, the check was stolen, altered and subsequently cashed at XXXX  XXXX XXXX. I received notice that my landlord did not receive my check and when I checked my account it was very clear the check had been altered. I immediately contacted my bank and the post office and created a claim with both. Chase was very difficult to deal with as after numerous attempts by myself, my branch including the branch XXXX and assistant XXXX they informed me they finally had received all the documentation they needed, this process took over 6 months. 
After that Chase now submitted their request for the funds to be returned and then had to submit them 3 times before Chase would confirm to me that XXXX  XXXX XXXX had the documents but also said they could come back for more information. This process is so complicated for something as a consumer I have had to take on by myself, Chase basically said all they could do was ask Bank XXXX XXXX for the funds to be returned but no guarantee that could happen, so if they say no I loose my money. Chase and XXXX  XXXX XXXX are FDIC insured bank and with that and the obvious altered check I should not have to go they this crazy process because the reality is the check should never have been cashed to begin with and then once Chase received the check they should have kicked it back to XXXX  XXXX XXXX immediately and returned the funds to my account. 
I have several accounts with Chase and I feel Chase basically told newtoo bad!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Armada Corp.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
One of my XXXX XXXX bills went to collection and then i found out i have 2 others in collections i never received a letter on the other 2 and i did make payments i would like to get this handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My Bank Of America XXXX Account ( XXXX ) has been setup for closure by the bank 's decision. It currently has an available balance of {$2100.00} as of XX/XX/2022 and I have visited two different branches since XX/XX/XXXX, and the bankers are not letting me withdraw the funds from my soon-to-be-closed account. 

I have called customer protection several times and they state that the request to withdraw the funds may take from 3-5 business days, however, I believe that Bank of America is illegally holding the funds from my account for as long as they can until my account is closed. 

All my attempts to get the funds from my to be closed account have been useless.

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 2021-04-15
Company: Santander Consumer USA Holdings Inc.
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was called from number XXXX stating the organization calling was XXXX XXXX. The provided me with the number XXXX. I called this number and spoke with a gentleman that stated I owed a debt to Santander for a loan on a XXXX XXXX XXXX. I told them that is was a loan through XXXX XXXX XXXX and was settled back in XXXX, then sold to Santander. He stated that if I did not pay that they would pursue legal action and place a lien on property or on income. I asked for the company name and was told it is called XXXX XXXX. They claimed to be a mediator for Santander. I believe this to be a bullying tactic to get you to pay old debt that is no longer collectable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: NV
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and FTC report to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: AMERICAN EXPRESS COMPANY
State: CT
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: Card was charged for something you did not purchase with the card

Complaint:
I have ordered hundreds and hundreds of gift cards online via XXXX on behalf of my son 's school for teacher gifts ( for our school 's parents ' association- we get donations and we purchase cards to give out as holiday gifts, end of the year gifts and raffle gifts ). Recently- we had 3 {$100.00} gift cards come back to us with fraudelent charges. They were never lost or stolen. The charges were mostly paypal charges. It's clear that XXXX was hacked and these specific cards were compromised. I purchase all of my gift cards online. When I called to get replacement cards, I was told by XXXX on XX/XX/2023 that I have to contact the vendors ( i.e. XXXX ). However, we know that will go no where and I believe that XXXX is at faulty for not having proper security. I have been on the phone now for XXXX XXXX hours on hold as no one will address my concerns. Amex needs to stand behind their product. If our cards were compromised because of Amex 's poor cyber security, I should not have to pay for it. 

Card numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I called on Wednesday, XX/XX/XXXX, XXXX 's customer service line and bounced from agent to agent I was told that they will not replace the card and instead I need to get reimbursed by the vendor. The vendor in this case were several vendors, mostly payday in small increments probably to hide the fraud and make it difficult to track. That to me is an unacceptable resolution. I will not make 30 phone calls to try to get {$10.00} back at a time. I then escalated it to a XXXX, but she also would not replace the cards. When I asked her to transfer me to her XXXX, I waited on the phone for HOURS. When the XXXX was " ready '' and my phone call was transferred, it only sent me back to the main switchboard. I was on the phone for XXXX hours in total waiting to speak to another XXXX. 

This should not be my problem, I should not have to hunt down these charges. Amex should stand behind their product and send me XXXX new {$100.00} gift cards as it was their poor cyber security which compromised my cards. 


Card numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-17
Company: Nelnet, Inc.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I filed for a refund of payments made during the Covid pause on XX/XX/XXXX. I haven't received any updated balance or return of the requested refunds as of XX/XX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX XXXX XXXX  : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is my complaint to Transunion for continuously reporting fraudulent and questionable accounts. I sent out letter to the bureau but they take no action, the accounts that I reported to them still reflecting on my file. I sent out the letter last XX/XX/2022 and until they did not take action in correcting the accounts. I have attached also my FTC report number XXXX for the references of these fraudulent accounts.

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 2022-02-07
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX / XXXX / {$6800.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2023-09-23
Company: Zions Debt Holdings
State: PA
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 am writing to demand the deletion/removal of an unlawful and inaccurate report on my account. XXXX XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. The accounting question is from Zion bt holdings who does not have certificate of authority to transact business in Pennsylvania making the contract void, unenforceable and illegal. Furthermore Zion has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, GLBA, ETFA, this is also fraud identity theft, harassment, i demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. Both companies have refused to send 1099 c despite the account being a charge off for well beyond the time permitted by The IRC. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This notice to all parties involved any further any further non compliance will be considered willful. Thank you in advance for your attention and care into this matter

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wakefield & Associates trying to collect a debt for XXXX XXXX. Debt is inaccurate ; we met our family deductible at the beginning of 2021 because my daughter has juvenile XXXX XXXX and as such, we hit both the individual and family deductible within the first 60-90 days of every year. Despite repeatedly sending info to XXXX, Wakefield and XXXX XXXX, Wakefield attached this to my credit report. I am also not the responsible party for this debt ; that belongs to XXXX XXXX as the account holder for the health insurance, but regardless, the debt is not owed because health insurance covers it. In addition to the collection, they are also reporting that I have made a payment on the account in credit collections, which no payment has been made ever to them. This needs to be removed from my account because it is impacting my credit by XXXX points and causing other card companies to reduce my credit lines. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-07-21
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
For about two year I had been investing on the coinbase exchange. One of my investments was called XXXX XXXX. I had put in close to {$6000.00} or more into XXXX over those 2 years. The XXXX was down significantly as is most crypto. On XX/XX/XXXX via XXXX Coinbase announced they would not support the XXXX XXXX of XXXX XXXX. XXXX airdropped a new version of their crypto. Coinbase told its customers in a series of poorly worded emails and XXXX announcements that they would not support this new crypto and investors needed to move there crypto to another exchange. I was not aware of that until 1 day after it was to late XX/XX/XXXX. I was on vacation and missed the opportunity to sell or move my crypto. I am now being told that my XXXX XXXX which has a value of {$2500.00} is now worthless. I can not transfer it or sell it and I have lost all my money. XXXX XXXX was supposed to replace my XXXX XXXX with XXXX but coinbase did not allow it. My investment is going according to Coinbase and they will not hear my complaints. They blame me and the thousands of people who lost their money. The announcements were terrible and I do not use XXXX. I really had no idea what to do in this case but was also to late. I know of another person who was in the hospital and lost his investment. If people are going to loose their money Coinbase should have made sure everyone was contacted with the correct info before taking there money away. So coinbase promotes these crypto currencies and then takes them away after they were purchased on the exchange. I am distraught over this because I do not have much money. My business has been hurting since covid and I was also mail order scammed a little over a year ago. I am nearly out of business and this was a very painful thing. Hopefully you can help! I am not sure what to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-23
Company: RIA FINANCIAL
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I used Ria Money Transfer to send {$8300.00} USD converted to {>= $1,000,000XXXX XXXX XXXXo be deposited into a business contractor 's account with XXXX XXXX  XXXX. I received confirmation and PIN # that the money was received and would be deposited in the recipient account within 3 to 5 business days. One week later the funds were not deposited. I called Ria and was told that XXXX XXXX  in XXXX a correspondent bank they used has the money and they will send a message for them to release it. 

Two weeks later the funds were still not received. I called Ria Transfer Service and asked that my funds be returned to me. I was told that my cancellation was accepted and is being process, and I received a confirmation number. This return will take another 3 to 5 business days to be deposited in my account. One week later again no funds were returned. I called and spoke with a Ria Supervisor who told me the cancellation was only a request and was not process, however she will now submit another cancellation and my funds will be deposited in my account within 3 to 5 business days. 

It is now XX/XX/XXXX and I have not received my return. Please Help Me. 
Respectfully yours.

Company response to consumer: Closed with explanation