BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: U.S. BANCORP
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been trying to close my fathers checking account. He is deceased. I am the executor. I faxed in the paperwork but cant get hold of anyone to confirm or get status. I live in a state where there are no US Bank branches

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 2019-07-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
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:
7 hard inquiries on my credit report These have caused me to be declined for other opportunities XX/XX/XXXX - XXXX XXXX dba XXXX - inquire without permission - unknown Infiniti XXXX/XXXX/XXXX - inquire without permission XXXX XX/XX/XXXX & XX/XX/XXXX ran twice instead of once XXXX & XX/XX/XXXX XXXX XXXX XXXX- 3 hard inquiries ( 2 are almost 2 years old ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Hello, Why my referral is ineligible? 
We checked all your Terms and Condition! We met them all, both account met all conditions! 
Please credit me and the person I refereed to each {$10.00} investigate and escalate the matter! 
We need to get what we were promised and offered! 
thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax should not be reporting this! This is an entry for collection for a debt that says I owe a debt of {$550.00} to this company called XXXX XXXX XXXX. This a place whom I have never done business with. I have never opened an account with them. I never signed any contract with them for anything either. So they have the wrong person and this is inaccurately being reported and reflecting bad on my credit report. I bet they can not show you anything that I bought with them bearing my signature or a contract that I signed that shows that I owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: TN
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Avant Credit Corporation
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have had a personal loan with Avant, LLC since XX/XX/XXXX. In the past, Avant was responsive to questions, requests, etc. In order to gain additional control over payment dates, I asked to be unenrolled from automatic payments, since this could not be done within Avant 's web interface. On XX/XX/XXXX, I notified Avant, LLC that I was revoking ACH authorization effective immediately and received a automatically generated message notifying me that I had opted out of automatic payments. On XX/XX/XXXX, however, Avant, LLC automatically processed my loan payment. I did not schedule this payment. In other words, the revocation of ACH authorization was not respected. I notified Avant of this on XX/XX/XXXX and did not receive a response of any sort until XX/XX/XXXX, which was to notify me that my inquiry had been escalated to the appropriate department. Later on XX/XX/XXXX, I received a message stating that Avant was not able to " ... substantiate your claim that you did not authorize the payment processed on XX/XX/XXXX. '' I continued to pursue the matter since I know with complete certainty that I did not schedule or authorize this payment. Eventually, Avant did  offer to reimburse me for this payment which would, at this point, make my account late ( additional fees, etc. ). On XX/XX/XXXX, I received a message thanking me for my feedback and assuring me that they " treat all customer feedback as a learning experience. '' While possibly unintentional, Avant violated 12 CFR Part 1005 ( Regulation E ). As a consumer, I have the right to revoke ACH authorization and for that revocation to be respected. Avant, LLC did not do this and did not provide reasonable remediation within an acceptable time frame. Thank you in advance for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I notified the credit bureau that I am a victim of Identity Theft, ( police report, identity and theft affidavit ). I provided the legal documentation required along with identifying information. I requested they remove the following accounts. This information is still reporting. I was first violated when they failed to verify the information and then when they reported it. The original creditor has deleted the account but the collection agency and credit bureau accounts are reporting The credit bureaus and the collection agency has ignored the laws that was set-forth to protect me. It has exceeded the 30 days to investigate and delete the account. 
The companies are : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX The only address that should be reporting i s XXXX XXXX XXXX XXXX, XXXX Ga, My Name should be reporting as XXXX XXXX XXXX XXXX No variations and no AKA I did Not authorize the following Inquiries : XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: VA
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, 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:
The bureaus are reporting erroneous items on my credit. I had previously filed a dispute and have been for months now and have yet to see any letters or changes to my credit. I have attached the letters that I most recently sent. Please send me results immediatley.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
keeps calling me at work 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 2022-12-07
Company: Incomm Holdings Inc.
State: MN
Product: Credit card or 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:
-- a friend gave me {$100.00} gift card purchased from XXXX. 
-- activated the card on XX/XX/XXXX then forgot about using it. 
-- checked the balance yesterday ( XX/XX/XXXX ) and found out that the balance became a XXXX. there is no purchase history but XXXX XXXX. 
-- the XXXX states that there is no fees what so ever regarding the maintenance fee. 

( FAQ ) " Are there monthly fees or usage fees with my Vanilla Gift Card? 
There are no fees associated with your Vanilla Gift Card, other than the purchase fee. '' XXXX XXXX XXXX XXXX XXXX  -- can not reach any human staff by phone number on their website. 
-- ridiculous to know that {$100.00} just disappeared after two years without any purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: NY
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXXBalance : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: CT
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've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-24
Company: Loantopia
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hi my name is XXXX XXXX i was told on the phone my payments would be XXXX a month at 20 % for XXXX i said okay then they had me esign the documents so i did then the had me pay one time on the XX/XX/XXXX then they said on the XX/XX/XXXX of every month i said okay land i did but then they email me saying that i sign up to do ot every two weeks i asked them if this was a payday loan they told me no but yet they want me to pay every two weeks or they are going to get a judgement me on i told them if i would of know that i would not of done it there interested is 208 % on a XXXX loan i told them that i cant do that they said i have to and i have no rights that i sign the XXXX sign it and i have to i dont know what to do and now they want me to pay XXXX every two weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: EQUIFAX, 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 other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-12-12
Company: Bread Financial Holdings, Inc.
State: LA
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:
The first time the incident occurred I contacted the company, XXXX XXXX 's credit protection company via email at XXXX for assistance with my Account XXXX XXXX XXXX. As I'd signed up for the insurance protection on my account and had used the benefits previously, the most recent time of need I was denied. The company stated that I did not qualify to use the benefits once I was laid off from my job due to the fact that I worked for a temporary agency. I called and spoke with someone via phone and asked for clarification of my denial because I've worked for the temp agency for over 2 years and also when I signed up for the credit card, plus enrolled in the protection plan at the time my card was approved and opened, I was working for a temporary agency and it wasn't a problem then. I was making my payments on time and now that I needed to use the protection plan I was being denied. Upon searching for more information I found an old benefit request which was granted approved back in XX/XX/2016, I was working for a different temp agency, so why now am I being denied? If you can't work for a temp agency and utilize the benefits you're paying for that should be disclosed before offering and accepting monthly payments or enrollment for this service. If that was the case, then why did they approve my application for benefit usage during another time as a temp agency worker? The problem is that XXXX is reporting negative information to the 3 bureaus for the 2 accounts I'd had with them and they closed ( XXXX XXXX & XXXX XXXX & XXXX credit cards ). I've disputed both accounts and I've sent in written  explanation via USPS to all 3 bureaus yet they all came back as verified and updated within 1 week. How can an investigation be done that fast and proven ( as they say ) that my account was verified? Not fair and I am unsuccessful as trying to get this problem resolved, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, 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:
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 U.S.C. 1681. 

Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX  XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXXXXXX XXXX XXXX XXXX, Account 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
Equifax has been reporting the wrong information about me. They have no reason to lower my score. I've never missed a payment on my credit cards and now because of them XXXX has lowered my balance and there is no reason. They said it was lowered because of Equifax. What is the point of having credit cards and paying a yearly fee if when you use them you get your score lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: ZWICKER & ASSOCIATES
State: OH
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 have received a letter from Zwicker & Associates stating that I owe for an account that does not belong to me for {$5900.00}. This account does not belong to me. This is the second company trying to collect for this account but this time it is for a different amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have had several calls and mail correspondence about credit cards from XXXX, Best Buy, Home Depot, XXXX, XXXX XXXX, XXXX, and XXXX. XXXX and Best buy have been approved despite me not ever having talked with the company. I'd like to end all credit cards taken out in my name in the past month.

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 2021-08-30
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XXXX I was wrongfully evicted from an apartment complex. I was told my deposit was forfeited ( {$1500.00} ) and will not be applied towards my owed balance ( {$2700.00} ). When Professional Debt Mediation bought my file they sent me a summary of what was sent to them in reference to what I owed. Upon reviewing I noticed that the itemized list did not add up, unless there were missing items from the list. At the time I had no idea how to dispute this and fighting homelessness. More recently, I discovered that I may file a dispute because of the mathematical errors on itemized list so I did and was to by the credit reporting agency to reach out to Professional Debt Mediation to possibly get a resolution. I reached out to company with itemized list in hand to go over, and the representative was having trouble explaining how the numbers added up to the total ; and she definitely tried. When I told her that they should accept lesser amount due to the misinformation, that representative then allowed me to know that I could be sued for not taking care of this. Also they have added this to my credit report again ( XXXX ) since it was supposed to drop off in XXXX. I made an honest attempt to settle, because there may be some money owed, however it is not what was stipulated on the itemized list that is being used to determine my debt. They are charging almost {$3000.00} for an apartment that had no holes in the walls or any interruption of the foundation what-so-ever.

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