BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX is reporting a charge-off account on my report. They replied to my previous complaint stating that my address and phone number were verified from public information and refused to delete inaccurate reporting. I request validation and they stated that it was an online application. I have the FTC Theft report attached and now filing the complaint for violation of my FCRA and FDCP Rights. Experian is also refusing to allow me to dispute this on the XXXX portal. Experian Report # XXXX. XXXX XXXX # Re : Account ending in XXXXXXXX XXXX XXXXXXXX Case : XXXX CFPB Case : 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 2021-09-18
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter on XX/XX/XXXX, from Jefferson Capital ( dated XX/XX/XXXX ), alleging that I owe a debt that to XXXX XXXX XXXX for {$380.00}. I had XXXX in XXXX and early XXXX, so I sent them a validation letter on XX/XX/XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX, advising I had 14 days to tell them what I was disputing. I have never received a response from Jefferson Capital. This is interesting, because I asked Jefferson Capital to validate the debt and send me a copy of the written agreement bearing my signature, to provide all the contact information regarding the original creditor, provide proof of the amount and age of the alleged debt. Is XXXX XXXX XXXX the same as XXXX XXXX XXXX? Because my credit report is showing XXXX XXXX XXXX  I am unclear as to if this is the same company which is a violation of the law. 

A day later ( XX/XX/XXXX ), I received another letter ( dated XX/XX/XXXX as well ) with some statements from XXXX, XXXX, XX/XX/XXXX that had my name on it sent to a po box in Georgia that I do not recognize from XXXX XXXX XXXX, but they have yet to provide the original contract, or any original agreement with my signature that created a requirement for me to pay the alleged debt. I was living in in Arizona at the time these invoices were created. 

A week later ( XX/XX/XXXX ), I received another letter dated XX/XX/XXXX from XXXX XXXX XXXX, stating that they are unsure of what my dispute is about. 

On XX/XX/XXXX, I received another letter from XXXX XXXX XXXX, advising that I was not specific with my dispute. 

I do not not recognize this alleged debt that is being reported on my credit report and so I sent another letter asking them to validate the debt by providing the original written agreement bearing my signature for the 2 accounts showing up on my credit report. I have not received it. 

At this point, they are sending me letters every 2 days and it is becoming harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: FIRST HORIZON BANK
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
I opened a CD with First Horizon Bank on XX/XX/XXXX and deposited {$10000.00}. It had a period of XXXX months. 

First Horizon automatically renewed my CD without telling me last month, XX/XX/XXXX. They gave me a low interest rate of 0.03 %. 

They say that if I withdraw now, I have to pay an early withdrawal penalty. I think this is unfair, since they didn't tell me they were going to renew the CD or give me a choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Genesis FS Card Services, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I got a Destiny credit card in mail today. I never applied for it, so called company and they had all my information. When I told them I did not apply she said cut up and they will investigate but also to contact you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Bridgecrest Acceptance Corporation
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Ive been with Bridgecrest for several years they are fraudulently charging me NSF fees when I havent bounced any payments. When I called customer service today XX/XX/2023 asking them about the charges they said they wasnt showing that on their end however, I see it clear as day from my payment history. They refused to give me a answer and this has been going on for several years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. As this account they failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2023-08-15
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX  XXXX # XXXX -- IDENTITY THEFT XXXX XXXX # XXXX ( DO : XX/XX/2022 ) -- IDENTITY THEFT XXXX XXXX # XXXX ( DO : XX/XX/2022 ) -- IDENTITY THEFT XXXX # XXXX ( DO : XX/XX/2022 ) -- IDENTITY THEFT XXXX # XXXX ( DO : XX/XX/2022 ) -- IDENTITY THEFT 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 of 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 explanation
Consumer complaint received 2019-05-10
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company called me three times successively in less than 5 minutes, from XXXX, they hung up on me the first two times. 
Company identified themselves as Phoenix Financial Services and said I owed money that I do not believe I do. I told the person on the phone that the only medical debt I can think fo had been handled by my attorney XXXX XXXX. He told me that he is not responsible to contact my attorney and that it's my credit that is being damaged. I asked if he was threatening to damage my credit? He said it's not a threat if does harm my crdsit. He told me if I ever want to fix my credit I have to call him. I told him not to call my cell phone any more and he said it's my fault because I gave it out to someone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX Case Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete for Violation

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 2023-06-06
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I notified chime when there was unauthorized activity on my card from XXXX XXXX. I filed the dispute on XX/XX/2023, and was told it would take until XX/XX/2023 to investigate it. I supplied all the needed documents, contacted the merchant and verified that a charge back was done and supplied chime with all screen shots of this. The date to complete the investigation came and went with no final decision. I contacted chime and was told it was being escalated and to keep waiting. The merchant has not refuted my claim and I still haven't gotten my money back. There were XXXX transactions totaling {$450.00}. They gave me a credit of {$150.00} but have not done anything about the other {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the name of the business is XXXX XXXX XXXX XXXX On XX/XX/XXXX, I discovered a check when I was going through company account that had been cashed that we had never sent to the person that cashed the check. The check amount was {$16000.00} immediately I called the company that I sent the check to and asked if they had an employee with that name they responded no, my next step was to go to Huntington bank in XXXX and report the fraud to them and I brought proof that it wasn't a check that we had written, it was something that somebody had made and then put the same amount that we had written the check for to our vendor. In the meantime, I checked my statement analysis to ascertain that I still had a security suite in place with Huntington Bank which I verified. I have been charged {$70.00} a month for fraud protection t since XXXX. Huntington bank told me that they had to do a fraud investigation and there was a good chance that I would not get my money back and I said why and they said well the security suite that you have didn't cover check fraud I was livid then I said why am I paying for this and asked them well what's it for? They really did not know so I think they made something up just so they wouldn't have to pay me. I said you guys have insurance for this type of thing and I would expect that I am going to get reimbursed. So they said they had to do a fraud investigation first which now it is coming up on two months I was told the check was cashed at a XXXXXXXX XXXX and XXXX XXXX won't contact them to discuss reimbursing Huntington that is not my problem I can not I can not afford to lose {$16000.00} because the two banks don't want to pony up the money. I personally think Huntington doesn't think that they should be accountable for this. My phone number is XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In my initial report ( XXXX ), The information that your staff reviewed and provided was inaccurate. If your staff conducted a thorough review of my account history and call logs, they would/should have noticed that the {$25000.00} mobile deposit was on XX/XX/XXXX, the same day that I reported the fraudulent activity/scam, and not on XX/XX/XXXX, as claimed in your response. USAA 's decision to reinstate my account for full access and reestablish a business relationship with me took place on XX/XX/XXXX, after I was contacted by the CEO 's office to notify me that after reevaluating my claim, it was concluded that I was not involved with the fraudulent activity and overturned the decision of me being liable. Which was not noted on my account. They also denied my resolution for reimbursement for money ( {$9200.00} ) lost to the scam, stating that I was reimbursed {$5600.00}. I was issued a check for {$3000.00}, which was the balance after charging off {$2600.00}. What about the {$3200.00} that was accumulated in my checking account while the account was locked?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions 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:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX**** Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 2022-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX I sent a complaint to TransUnion, XXXX, XXXX about fraudulent activity on my credit report and I was never notified about the investigation. 
XX/XX/2021 XXXX Inquiry XX/XX/2021 XXXX Inquiry XX/XX/2021 XXXX Inquiry XXXX XXXX XX/XX/2021 Inquiry XX/XX/2021 XXXX Inquiry XX/XX/2021 XXXX XXXX XXXX XXXX Inquiry XX/XX/202XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XXXX XXXX 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 explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXXXXXX Balance : {$2400.00}

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 non-monetary relief
Consumer complaint received 2019-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed an identity theft police report. 

I sent this information to both XXXX, XXXX, and Transunion. Transunion informed me, on XX/XX/2019, that my police report did not meet their internal guidelines for a blocking request. 

This is completely unacceptable. 

Not only did XXXX and XXXX submit a blocking request to Transunion directly, but Transunion willfully ignored provisions of 605 ( B ).

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 2022-09-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX, XXXX, and Experian are governed by 15 USC 1681. And they violated my rights numerous of times. 

I demand the accounts listed below be removed because they are fraudulent and open without my knowledge or consent. 

XXXX  XXXX XX/XX/2019 XXXX XXXX XX/XX/2019

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 2019-05-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I was using Coinbase to purchase Cryptocurrency. However I was sent an email by them stating my account activity will be suspended but I should be allowed to withdraw my funds ( XXXX ). This email was send to me on XX/XX/21 Since then, I have been unable to withdraw my funds despite numerous emails. In one of their replies, they said that they accidentally suspended my account from withdrawals and they had rectified it but that was a lie. I still cant withdraw my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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