BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: FL
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 am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. all items listed ive noticed that they are illegal an reports inaccurate data on all 3 credit profiles. this is a issue that needs to be resolved asap. please review an remove the listed items That needs to correct my credit file asap.

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: FIRST MERCHANTS CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/2022 I wrote a {$2500.00} check from my business account, payable to a Vendor that my company has made payments to before. The vendor sent me a reminder notice that they had not received my payment, however, according to my bank records the check was cashed. The check was stolen and cashed by an unknown person. Even though the check was addressed to a business, from a business, somehow an individual 's signature was endorsed on the back and the funds were withdrawn from my account. I first called the Bank XXXX # for guidance. They told me to go into the branch and file the necessary paperwork to start an investigation. I went into the branch, filed ALL of the requesting documentation, including a statement from my Vendor attesting that they never receive the check. Was advised that this could take up to 3 months to resolve. It is now going on Month 4 without a resolution. When I call the Banks XXXX number, they tell me to go to the branch. When I go to the branch, they call a number and tell me that all my paperwork is in order, and that they were just waiting for payment from the Bank that cashed the check in error, before they can put the funds back into my account. Was told that I should hear something soon. That has been more than a month ago. I can not get a response from the Bank that clearly tells me the status of this matter, even after 4 months and counting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-09
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 have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-11
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My husband made a cash deposit of {$1800.00} on  XXXX   XXXX ,   XXXX  . CASH, handed to a teller, counted and confirmed. That evening I transferred the money to my checking account so that I could pay my mortga ge ( our accts are linked but separate ). The bank put a hold on the deposit stating some rule that if a deposit was made after a certain time then it would n't post until the next day, however, had he deposited thru the ATM the money would have been immediately available. That is the complete opposite of previous banking rules! It was cash, handed to a live human being! At any rate, me transferring the money that the bank says was n't there resulted in 5 overdraft fees. The bank has refunded 3 out of the 5, however, that is not acceptable. I believe the bank is participating in predatory practices to steal my hard earned m oney.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Incorrect posting on an attempt for debt collection! XXXX  debt collector- : XXXX XXXX XXXX  on an invalid debt. CONFIRM CAN BE DONE WITH MYID office of personnel mgmt. Case number XXXX. Experian already purged on cease and desist! Art people like everything else conserving credit and protection A FREEZE. Bars no lender, bank, etc ... .factvper bureaus and other agencies.

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 2021-08-03
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/30 I went to deposit my paper check from my XXXX XXXX that I've been with for nearly 14 years. Due to the fact I was in a hurry because I was hosting a XXXX birthday for my partner and due to the fact I am physically XXXX I went through their automated atm drive-thru located at XXXX XXXX XXXX, XXXX XXXX, NV XXXX near my house. There were cars occupying the live teller drive-thru. When I put my check into the machine it asked me to confirm the amount of my check so I did. It then said, " a 7-day hold would be placed on my deposit. '' Seeing this I immediately hit cancel, clear, etc. But it would not give me back my check. I then see it would take over a week to receive my funds. This is my only money aside from the {$80.00} I already had in my account. I along with other customers who aren't aware of their " first check hold policy '' should be given the option to either cancel or proceed with the transaction because I could've cashed it at the casino as I've done before! I contacted their loss prevention as directed by their teller and online rep via the " secured message center ''. I asked for a supervisor & the rep wouldn't connect me. She also implied my XXXX check may look fake to the bank. She also told me going into the branch wouldn't help me yet Chase turned around and stated I make an appointment to meet with a banker yet their appointments are booked everywhere for at least 3 weeks! I've complained numerous times and I've also filed a complaint with the XXXX XXXX XXXX I can't pay rent and now I am forced to borrow or pawn items just to have money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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: Credit inquiries on your report that you don't recognize

Complaint:
I have been a victim of id theft and reported such incident to the proper authority. 
i have several accounts and inquiries that i do not recognize and asked that they be blocked, deleted. Subsection 604 in the FCRA ( which is the same as 15 USC 1681b ) I didn't authorize the reporting of that debt to the credit agencies.

Unauthorized Inquiries need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX ON XXXX CREDIT REPORT XXXX XX/XX/2022 XXXXXXXX CREDIT REPORT XXXX, XXXX XX/XX/2022 EQUIFAX CREDIT REPORT XXXX XXXX XXXX XX/XX/2022 EQUIFAX CREDIT REPORT XXXX XXXX XX/XX/2022 XXXX CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX Place XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/1984 I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX CO XXXX {$12000.00} XXXX XXXX XXXX {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: PR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I hold a VA loan with Pennymac. I am XXXX  and my house in the States, is now a rental property. My tenants lost their jobs due to COVID. I took advantage of the Forbearance program to cover those months. When I went back to regular payments, my mortgage balance went from {$180000.00} to {$190.00}, XXXX. Had I known I would owe an extra {$10000.00} at the end of the " benefit '', I would never had participated. This has caused a financial hardship. I am wondering if this could be covered under the Military Lending Act? 
Loan Number : XXXX Property Address : XXXX XXXX XXXX, XXXX PA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
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: Credit inquiries on your report that you don't recognize

Complaint:
Mailed to XXXX Equifax, XXXX to remove inquiries on credit report that were not authorize. I have mailed letters to advise and no response back after 30 days. I called and customer service was not willing to help to take care of these negative inquiries reporting to my credit. I would like to keep my credit good and prevent inquiries that I did not authorize off my report. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: CREDIT ACCEPTANCE CORPORATION
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Was given a loan with a 22 % interest rate with made the loan more than the car was worth and impossible getting paid off

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 2023-01-10
Company: EQUIFAX, INC.
State: HI
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:
The attached document account with DCS/Division of Child Support/XXXX XXXX is inaccurate , fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this DCS/Division of Child Support account : Please remove all of the inquiries as stated above, as they are listed below from Equifa'x report . The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Wells Fargo XXXX Our offer to buy a property in XXXX was accepted on XXXX XXXX. My wife processed a first transfer of XXXX from our joint Wells Fargo account to her convertible account in XXXX. Within an hour after she made the transfer we decided not to go through with the purchase. She immediately requested that the transfer be stopped. A claim was filed # XXXXand she was told the issue would be resolved in ten days. It was not. She called again on XXXX XXXX. She was told they were still researching the claim. A case number was provided. XXXX. Wells Fargo assigned the case to XXXX XXXX. XXXX. She claimed that the funds were at my wifes bank in XXXX. XXXX checked with her bank and they assured her on XXXX XXXX that they did not have the funds. On XXXX XXXX I spoke with XXXX to seek restitution of the funds. She advised me that the funds were at the XXXX XXXX which Wells Fargo decided to use on its own as an intermediary Bank. She said the funds had been credited back but not released. Requests to release the funds had been made on XX/XX/XXXX and XXXX as well as XXXX and XXXX. She had no explanation for why it took 15 days to make the first request. I asked her to send me the documentation related to my case. She said I was entitled to that. I have yet to receive the documentation. I also requested contact information for the XXXX XXXX wire transfer contact for Wells Fargo. She advised me that because I requested documentation, the case would be elevated. Later that day we got a call from XXXX XXXX Senior Escalation Officer tel XXXX. He advised that he was researching the case and would not take more than ten days. I told him that if the funds are not in our account by Tuesday XX/XX/XXXX COB that I would file a complaint with the CFPB. I will do that on Wednesday. Keeping our money for more than thirty days without our permission or authorization amounts to 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
Consumer complaint received 2021-08-24
Company: Continental Finance Company, LLC
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
The XXXX credit card company continually makes early morning ( XXXX ) phone calls about late payments. I have been awakened at XXXX with a phone call from them and when I answer, no one responds. The latest calls at XXXX were on Monday, XX/XX/2021 and Tuesday, XX/XX/2021. I called the number back and very strongly demanded that they NOT call me that early in the morning, yet they did it again. I finally spoke with a representative named XXXX and told her I didn't appreciate the early morning calls and that it was illegal to harass customers like that. I advised her that I was going to file a complaint.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2021-07-28
Company: Winklevoss Exchange LLC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Please note I established an account with Gemini XXXX XXXX ( https : //www.gemini.com/ ) on XX/XX/XXXX of this year. 
Once the account was setup I have not received any confirmation emails and after further checking I realized I must have misspelled my email address at the time of registration. 
The first time I contacted Gemini was one day after registration on XX/XX/XXXX asking how the issue could be resolved. 
Since XX/XX/XXXX it has been back and forth with Gemini requesting I send a message from the email I registered with, which I obviously can not due since I misspelled the email initially. 
I have offered to confirm my identity in numerous other ways and at this point all I'm requesting is for Gemini to delete all my personal information ( substantial amount including my social security number ) I had to provide at registration from their system. 

Please note I have all email exchanges between me and Gemini customer service which I could provide if needed. 

Thank you! 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: BAM Management US Holdings Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX XXXX I initiated a transfer of my XXXX XXXX ( XXXX ) tokens worth $ XXXX to be sent from my Binance.us heium wallet to my Binance.us Helium wallet. It was an accident I that used my Binance wallet address instead of my private wallet. 

The tokens did not go anywhere on the blockchain because it was already in the location it was being sent to so no transfer took place. The tokens did not move but binance 's system has them locked as " proccessing '' for some reason I don't understand because it is on their end. 

I created a ticket ( XXXX ) on the same day. They have not responded in any way and meanwhile the market is undergoing drastic fluctuations and I have no access to the money. So far I have lost $ XXXX during this time because they will not respond to me and allow me access to my property to trade out. 

This is the XXXX : XXXX on the XXXX XXXX. As you can see if you check it, there isn't a transaction that matches this because it never happened. However this is the XXXX that Binance has under the transaction. 

I found a way to get their attention on twitter and they said " we are escalating this ticket to be worked on ''. This is ticket # XXXX. 

XXXX ( Binance.US ) Sent me an Email later that day ( XX/XX/2021, XXXX PD ). asking for the XXXX of the transfer and the date it was intitiated. I responded within minutes and now have been waiting another 3 days with no response from them whatsoever. Their team is completely ignoring me on twitter now as well as many others. I have no faith that they will do anything to solve my issue within the next few months because I have seen many others that have been waiting that long on twitter BEGGING them to help. 

This company needs to be shut down and not allowed to custody money of US citizens because they present themselves as a reputable company but are simply holding the funds that equal into the XXXX of millions of dollars hostage from what I can tell. Please make them unlock my funds so that I can never deal with them ever again and move on. 

Thank you so much for your time XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am deeply concerned to discover public records on my credit report that I was unaware of. This is not acceptable. I urge you to remove these records and ensure my credit report is updated correctly.

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 2023-05-06
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. 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, 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