BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2023-05-02
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, 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 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 2023-10-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are not mine, I do not want them on my credit report, I need them to delete them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just received a debt collection letter dated XX/XX/21 from CBE Group attempting to collect a debt for XXXX XXXX for equipment in the amount of {$160.00}. I attempted to return this equipment when I ended the service and this particular equipment I still have, the rep stated they don't have this on file and wouldn't accept it. I did my part and their representative clearly " dropped the ball '' on this. I will attempt to take this back to the XXXX XXXX and get a receipt for them receiving it but any debt collections need to cease. I don't owe them nor have any reason to keep their equipment. This is not a good customer service experience at all. I was with this company for MANY years, tried to do everything in order, then receive a statement from a debt collector!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX emergency services is claiming I used thier services and I did not. They have texted and called non stop. The collection agency Halsted financial has been harassing me stating I owe. I have also never been provided with any proof of the original bill they say I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: World Acceptance Corporation
State: SC
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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX I am in Direct violation of the fair credit reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), has violated several of my rights. 

15 U.S.C. 1681 section 602 A. Clearly states that Ithe right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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:
I submitted a letter to the 3 Credit Bureaus to update and correct this suspicious information. I think you have not validated these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When I lived in Georgia during the beginning of the pandemic, I rented from a place called XXXX XXXX XXXX. This was a dangerous place to live, but I always made our payments. HOWEVER, a water line leading to my apartment building bursted and water continued to flood for over a week. This SKYROCKETED my utility payments and my water bill went up ENORMOUSLY. I talked to the city about being reimbursed but they told me that while they would come out to fix the line, it is still the responsibility of the apartment management team to reimburse me, as this happened on THEIR property. The management team FAILED to fix this issue in good time, knew I had huge water bills I now had to pay through no fault of my own, and REFUSED to reimburse me for these hundreds and hundreds of dollars. I attempted to take them to civil court but was unable to. Frustrated, and without any help or financial assistance, I ended my lease early to escape that horrible, abusive environment. Despite never once helping me in an issue THEY were responsible for, they still demanded final month 's rent. I will not pay this until they are finally willing to reimburse me for the money owed due to the water leak. Fair is fair, and I hope whoever is reading this understands how companies exploit poor people like me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account below has violated my federally protected consumer rights and must be deleted for inaccuracy because it continues to report activity after the close date of XX/XX/2020, also this account shows a past due balance of {$1000.00} which is inaccurate. A closed/chargeoff account must NOT show a past due balance ( after it was charged-off with the IRS ) or show ANY activity after the account closed date. 


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 2017-05-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need to get a fraud alert -- that had been placed on my credit file by Equifax 4 years ago -- removed.   I applied for a secured credit card with  XXXX   XXXX   4 w eeks ago. I received no decision from  XXXX   XXXX  and when I called in to ask why, they told me that 'they were unable to process my application due to the fact that there was a fraud alert on my Equifax credit report '. This alert had been placed on the credit file by me -- but it was placed on my credit report over 4 years ago.   XXXX   XXXX   gave me the phone number to contact Equifax to remove the fraud alert :  XXXX . That phone number goes to an automated system where the only thing you can do is order a copy of your credit repo rt ( not make any edits/remove fraud alert ). I called 3 o ther Equifax phone numbers -- all went to automated systems with no option to speak with an Equifax representative. I called  XXXX   XXXX  back and they had no additional contact phone numbers for Equifax. I would like to get this Equifax fraud alert removed so that  XXXX   XXXX  can process my credit card application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I was contacted by a phone number that appeared on my caller ID as CHASE. There was a woman on the other end of the call that stated she was calling on behalf of Chase because there was fraudulent activity on my account and they wanted to verify if it was me. I told her no it was not me, and she informed me that in order for them to issue me a new card they would text me a verification code to verify my identity and once they got that code I would get a new card. I did not know by giving this person this code would grant them access to my account. Once the thieves got the code they conducted ( 30 ) {$100.00} withdrawals from my account which totaled {$3000.00}. Once I caught this I called Chase immediately and turned off my card, and locked all of my accounts down. I have been calling into Chase fraud department almost everyday and even went into the branch to give them a copy of my police report, then today I found out that they denied my claim and stated they felt it was me that did the transactions. When I called the fraud department they told me that due to the proximity to my home and that no other devices were registered to my account it had to be me. I told the agent that I had received an email from Chase the day this happened and it stated that my card had. been added to someone's XXXX so I was not sure how they were saying that the card was not connected to anyone else 's phone, when I had the email that stated otherwise. I also told them that no one ever even bothered to call me to see what happened so I was not sure how they could come to a conclusion about something with no facts. This person too {$100.00} out of my account 30 differenet times, back to back and that is not normal behavior. Had I needed that amount of money I would have went directly to the bank, which is not far from the location this happened at, actually about 3 blocks away. So why would I bypass Chase to go to a XXXX to withdraw cash and do it in small increments if it was actually me. That screams FRAUD. I am not even sure how Chase did not stop the withdrawal after the 3rd attempt to withdraw cash. I have told all of the Chase agents that I have not authorized any of these transactions, I would encourage them to look at any video footage from the camera or trace the IP address of the phone to see that it was in fact not me. I have been a. customer with Chase for almost 20 years and have never had anything like this happen to any of my accounts, this would require a simple common sense objective to analyze to see this is FRAUD. 

I have attached a copy of my bank account that shows all 30 transactions coming out of my account. I also have a police report that I am happy to provide privately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In  XXXX  I opened  XXXX  accounts with Wachovia Bank ; a checking and a savings account. I also used the free safety deposit box offered. Sometime between   XXXX   and  XXXX , the checking account was closed although the savings account stayed at over {$1000.00}. I did not use the bank during this time. The  XXXX   XXXX  Bank took over  XXXX  and my savings account persisted and I received notices every month but now I find that they confiscated my checking account. I recently had to reopen a checking account and the bank tells me my money is lost.   I want it back. It is not as if they did n't know where I was. They were dealing with me all of that time and they had my property until late  XXXX   XXXX .   Checking account Routing # now  XXXX  Checking account Routing # then  XXXX  MY  XXXX   XXXX   XXXX   XXXX  was  XXXX   XXXX   XXXX   XXXX   XXXX  MD  XXXX  Address is  XXXX   XXXX   XXXX   XXXX   XXXX  WA  XXXX  ( moved  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 2023-09-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I recently checked my credit and saw a lot of in-corrections that are on my 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 explanation
Consumer complaint received 2023-05-19
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/23 my son XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXin XXXX XXXX XXXX in CA. 
He was XXXX, XXXX  children, and had less assets that required probate. 

He had an investment in crypto with Coinbase. Their customer service number has 5 options, the first 4 didnt fit so I selected 5-which disconnected me after giving me their website.

I have chatted with numerous agents online and have provided them with all documentation they required-including me having to open my own Coinbase account. They needed a probate form notarized, selfie, d/c, my DL and a statement to transfer his funds into mine. That was over a month ago. Meanwhile they hold my sons assets XXXX and he has lost over {$2000.00} while I continue to wait. 

I contacted Congressman XXXX XXXX who recommended your agency and the FTC. 

This has been extremely difficult as I try to deal with his affairs while in total grief. He was my XXXX child and I am heartbroken. 

Thank you for any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Block, Inc.
State: MO
Product: Credit card or 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:
I sent money via cashapp to play an online game. I won XXXX dollars playing this game and they told me I had to send XXXX more dollars in order to release me the funds. I sent them the XXXX And have not received any fund. It says it is still pending and I talked to cash app and they told me to report it as a scam but it is still pending in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Upgrade, Inc.
State: DE
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:
I saw a charge for {$1000.00} on my card that I did not make. I immediately called the CC company and told them about the charge. I canceled that card and got a replacement. A few days later I found on my porch a box of strange pneumatic tools. The packing slip said that they were sent from a company in Florida, and sold to a company in XXXX, DE but for some reason shipped to and billed to me. When I called the company in XXXX, they said it was part of a scam using stolen credit cards. I immediately contacted my CC provider and asked them : What should I do?. They never responded, but a short time later they emailed me refusing my dispute. The reason they gave was that I received these weird pneumatic tools. I told them it was a drop ship scam and the other company involved, in XXXX, had already been reimbursed on their end, and were willing to talk to my CC investigators, but they reuse to talk to me any further about it. My CC provider could NOT have investigated this at all since one of the two parties on the packing list from the shipment said it was a scam. ( I did send a copy of the packing list to my CC provider when these tools came. I work three jobs, six to seven days a week, I can afford to be ripped off for {$1000.00}!! Can you please, please help me out? Thanks very much, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I called back in XXXX XXXX and found out that I had a credit alert on my account that I never placed on there. I provided all this information and found out that it was never removed. I tried to apply for a XXXX Credit Card months later and it was still on there. I have updated my cell phone and everything with Experian. Now I have to get another hard pull on my credit report because they did not do their job and to be honest not sure why they did not do their job or if they did it now. I think XXXX of those hard inquiries need to be removed. Because now XXXX has to re run my credit to see if the alert has been removed

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-04-30
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I woke up on XX/XX/XXXX to an email from Discover Credit Card saying there was a new credit inquiry on my credit report. When I logged into my account and looked at the inquiry was from XXXX XXXX XXXX and I called Discover 's number that was provided if I didn't recognize this transaction. 
The woman who helped me said that it was a pull from XXXX XXXX XXXX bank and mentioned that they also work with XXXX. I mentioned to her that in the summer of XXXX, my XXXX account was hacked and both my debit and this credit card were used for almost {$1000.00} between the two cards. As she was explaining what I could do ( including filling out this report ), I detached both cards from my current XXXX account and logged out. 
The woman with Discover helped me put a freeze on my card for pulling hard credit checks and I'm trying to fill out all this information to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I worked with Wells Fargo to obtain a jumbo non conforming mortgage for my new house at XXXX XXXX XXXX, XXXX XXXX NJ XXXX. I was told if I brought over assets in excess of {>= $1,000,000} I would receive a 0.50 % discount on my rate. I repeatedly asked if it was ok to use part of this as the down payment and was told that I would receive the full bonus as long as I moved the money first which I did. However, at closing I was told that I was only eligible for a 0.375 % discount on my mortgage rate even though I moved over in excess of {>= $1,000,000}. The whole process was misleading and inaccurate and I would have left my money elsewhere instead of taking the time and effort to consolidate multiple accounts to get over the {>= $1,000,000} mark and receive the full 0.50 % relationship discount.

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