BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
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:
In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX, # XXXX XXXX, # XXXX child support, # XXXX child support, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: CITIBANK, N.A.
State: FL
Product: Credit 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 lost my card on or around XX/XX/2023. I immediately called in and reported my card as lost as with Citi Best buy I do not have an app or purchase alerts. They also do not have a friendly mobile website. I reported my card lost right away the same day I realized it was lost. The charges occured in XXXX which is not a city I live in. The charge continued to occur up to 30 or more miles from my home address. I do not travel and am not traveling to " shop ''. I have more than enough proof i was not no where near where the charges occurred and will not pay for unauthorized charges when the credit card was lost and not in my possession.

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 2023-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Financial digital crimes lately with my personal checking/saving and business bank of America accounts , claims closed and 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 monetary relief
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: NC
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:
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 letters to this complaint for your review. 
Remove the following negative accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-02-02
Company: Essential Retrieval Group
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was contacted by a lady name XXXX XXXX from XXXX XXXX XXXX ( A XXXX XXXX XXXX ) about an alleged account ( credit card debt ) that is in my name with XXXX. The account was opened in XXXX she said and that I was the account holder so I am liable for the debt because the account holder ( which is allegedly me ) stopped making payments in XXXX. First o explained to her that account does not belong to me, then it turned out that I was added by my dad as an authorized signer, but I was not the primary holder. Then XXXX XXXX checked on the account were she verified that I was an authorized holder but she remained reiterated that I am held responsible financialy for the account were I am not the account holder, my Dad is which he passed away last year. 
She contined to say that she is sending a complaint to the police department stating that i am attempting to defraud a financial institution, which ironically that account is with XXXX XXXX XXXX and I work for XXXX XXXX XXXX where nothing showes under my name unpaid. 
please let me know how I can move forward with this. 

Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-12
Company: Block, Inc.
State: KY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX I went to a XXXX XXXX  authorized dealer to sign up for their advertised home internet for {$50.00}. I was told that the company couldn't honor the advertised deal because of the remote area that I live. I was offered an alternative deal ; I could try the limited amount of internet for {$100.00} a month for 3 months. If I wasn't satisfied, I could return the router for a full refund. After 2 weeks, I had used all data. I attempted to return the router to go wireless ky aka XXXX by XXXX. During the 4 weeks I had the router, my wallet was stolen and I was issued a replacement card from cash app. Because the card was not the one used during the initial purchase, the merchant told me that they were unable to refund the money. I asked them to just refund cash because they already had received the money from my bank. They said that their system wasn't set up to provide refunds in that manner, and suggested I file a dispute with my card issuer. I was on the phone with my card issuers customer support when the merchant suggested this. I contacted XXXX directly via chat, who also recommended that I file a dispute. I screen shorted the entire conversation and sent it in with my dispute. My dispute was denied in less than 24 hours. When I requested documents that led to denial of dispute, the first 2 times I was ignored. The 3rd time, I was emailed a paper that only stated " an investigation into submission shows this was authorized and no error occurred. " I was provided a little chart that showed I had paid with electronic device. I had paid with my phone, but the fact that I had authorized the purchase initially had nothing to do with my dispute. When I called customer support, they claimed there was no way to contact dispute resolution except email, but when I attempted to email the dispute team back I was given a no reply auto message.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. C 1681 Section 602 A. States that I have a right to privacy.

Also, 15 U. S. C 1681 Section 604 A. Section 2, States that a consumer reporting agency can not furnish an account without my written instructions.

Also, 15 U. S. C 1681c ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse items of information, other than records of convictions of crimes which antedates the report by more then 7 years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: AAA Auto Title Loans, LLC
State: OR
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have called this company and requested them to stop a payment. I was told that I can not stop the payment. They will continue trying to pull from my bank even though I requested them to stop. I then asked for my remaining balance which they could not tell me, I didnt ask for the amount that I have paid towards this loan which the representative told me she could not calculate or see, and then asked why I was not able to log onto my online account to see the balance or the remaining amount, and she said its an issue with IT theyre aware of I let them know its been months since Ive been able to see my online account Ive been locked out they could not reset it for me. I didnt ask for the corporate number. She gave me a different number for the same office when I called back I spoke to the same representative XXXX I didnt ask to speak with the right corporate office and she said her manager would call me tomorrow and that she did not have any of the information for their corporate office or for any of my loan information, and that I could not log on to my online account to see it myself. This was a {$300.00} loan I took out years ago and I wanted to know the amount I had paid towards it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-04
Company: Experian Information Solutions 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:
I have no affiliation with these creditors and I did not make this inquiry.

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 2023-04-29
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to file a complaint against Westlake Portfolio Management, a debt collector who claims to be servicing my car lease from American Car Center, a dealership that filed for XXXX  XXXX bankruptcy in XXXX of XXXX. I was previously paying my lease payment to American Financial, who as far as I know, is not in bankruptcy. 

I have attempted to request debt validation from Westlake Portfolio Management through email on XX/XX/XXXX, and also over the phone on XX/XX/XXXX. During my phone call, I also requested a copy of my original contract, which the representative assured me would be sent to me by email. However, as of XX/XX/XXXX, I have yet to receive any documentation from the company. 

I am concerned that Westlake Portfolio Management may be attempting to collect a debt from me that I do not actually owe. I am hesitant to provide them with any payments until I have received proper validation and documentation of the debt. 

I would appreciate any assistance or guidance that the Consumer Financial Protection Bureau can provide in this matter. Thank you for your attention to this 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 2023-10-12
Company: Incomm Holdings Inc.
State: OR
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XXXX Purchased a {$500.00} Visa Vanilla Card from Local XXXX Located in XXXX Oregon. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card never worked at multiple locations, group returned and i started the process to inquire why on XX/XX/XXXX, their response was that it was not activated at the store and to upload receipts and my matching identification. Emailed all requested documents XXXX and XXXX when I did not receive any update. Received email XXXX .saying card was reactivated but when checked the balance was XXXX Called back 3 times and told to wait 48hrs for a response, never happened. XXXX asked for supervisor was told case was escalated and wait another 48 hours. Called back XXXX and was told no change case was still escalated. Called XXXX told time had expired on the escalation and had to be reopened and told they would respond with a phone call, never happened. Called XXXX said there was no action asked for supervisor, call transferred and supervisor never picked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions 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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 2017-04-05
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent Experian a letter on XX/XX/2017 asking for them to investigate several items they were reporting. The other XXXX credit bureaus had admitted mistakes and deleted things so Experian, were they to have done their jobs, should do the same. 
But they have ignored me and did not write me back.

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: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Account Brokers Inc.
State: IA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
On XX/XX/XXXX, XXXX from Account Brokers contacted me after I moved to Iowa and informed me of a bill regarding XXXX, and she was very rude, which I do have recorded stated that there is a judgement against me and stated that she has put a warrant out for my arrest. She put me in tears before she hung up. I do have this call recorded. 
Today XX/XX/XXXX, I have n't heard from this lady in a long time. She contacted my job and tried to be so sweet, I informed her not to contact me at work and she stated I thought you were moving back to Colorado, I said I never said I was moving back to Colorado and she stated yes you told me that when I last spoke to you back in XXXX, I said no, and she argued that for a minute and I said I do remember talking to you and you were very rude to me, so goes " are you kidding me! '' I said yes you were, she then proceeded to state that I do have another account for XXXX and how would l like to take care of it. Said I cant make payment today and will contact her in two weeks. She started getting very rude and I said I am sorry, but I am at work and will call in two weeks, I asked her to email me the information so I could look at it and she stated NO, I can not and will not do that. I said then I will call you in two weeks and speak to a supervisor and I hung up on her.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2021, I sold my virtual currency of XXXX Bitcoin and XXXX XXXX, which was net worth of approximately {$1100.00}. Even after I sold the currency, no balance was shown up into my account. I contacted the customer service via email ( Since only method they offer is via email ) after 9 days ( XX/XX/2021, 7 business days ) of not seeing my balance into the account about this matter. Till then, since I did not receive a response from them, I sent another email on XX/XX/2021, XX/XX/2021, and then XX/XX/2021, but still receiving an automatic response from them that they are having a high volume of the inquiry. Still the issue is not resolved, and planning to claim a small case against the company soon. This company needs to close down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: NJ
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:
Disputed XXXX account for inaccurate information several times. Account still remains inaccurate after submitting documentation backing my dispute. My rights are being violated and I want to move forward with court proceedings!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
I did not initiate these inquiries, and I believe they are fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$200.00}

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 2023-08-04
Company: Experian Information Solutions Inc.
State: AZ
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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