BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-17
Company: Payward Ventures Inc. dba Kraken
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
My account is locked out from transferring different currency to my personal wallet although it lets you put money in the account and freezes it.

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 2023-03-09
Company: Open Dealer Exchange, LLC
State: NV
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 never authorize these inquiry 's unless the item is on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Experian Information Solutions Inc.
State: OH
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:
attention a violation of the Fair Credit Reporting Act ( FCRA ) that I believe has occurred in connection with my credit report. I have recently obtained a copy of my credit report from your agency and have identified the following inquiries XXXX XXXX Important dates Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I attempted to file a dispute through Equifax. The dispute was in response to six items showing as being in collection from a collection company I had never heard of. The collections were report in XX/XX/XXXX. They were reported as PAID and stated they were opened in XX/XX/XXXX. 

I tried to initiate a dispute through Equifax 's online process ; however, their system logged me out when I attempted to process the dispute and would not allow me to log back in. 

I initiated the dispute through an online contact form around XX/XX/XXXX. On XX/XX/XXXX, Equifax emailed me stating the " dispute has been completed. '' I was unable to view the results online. I called their customer support. The representative said the dispute was completed because the collection showed as PAID. I told her I did not believe the collection was valid. She became confused as to why I wanted it removed from my credit report even though it was disputed. I convinced her that I actually did want to dispute the collections. 

I received another email on XX/XX/XXXX saying the " dispute has been completed. '' Again, I could not view the results online. I used their online Chat Support system. The representative just said I could not log in because the system was down. It is XX/XX/XXXX, and I still am unable to view my results. 

To make a long story short, Equifax made it difficult to dispute invalid collections on my account. They closed the dispute without making a proper investigation. They made it difficult for me to get them to conduct an investigation. They are not providing me with the final results of the dispute. Also, the invalid collections are still showing on my account. 

I have attached screenshots of relevant emails. I do not have the recording of the phone call between the customer service rep and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Experian Information Solutions 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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-08-28
Company: U.S. BANCORP
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XXXX of 2023, my US bank credit card annual fee was set to renew. I had changed banks and not updated this credit card 's bank to withdraw from. 

Ultimately, this summer I fell ill with XXXX 's XXXX and was recently diagnosed. This XXXX is fatal if left untreated. I had no energy to deal with anything financial and was focused on trying to figure out what was wrong with my healthwise. 

I got an initial bill for {$49.00} dollars for my annual renewal past due. I contacted US bank and asked them to reverse the fees piling on top of it, which they did reverse XXXX XXXX dollars. The fees kept piling on and finally as of today, I had {$150.00} including the annual fee. 

I talked to 6-7 representatives and they told me they closed my account, but I still owed the {$150.00}. I asked how could I still need to pay an optional {$49.00} dollars if I can't even use the credit card. They told me I would have to reapply and that I would not receive my rewards that I had gained on the account. I had hundreds of dollars in rewards points on the account, and now I have no access to them and they are gone. I just have paid the {$150.00} as I did not want to affect my credit score.

I don't understand how US bank just received almost {$500.00} dollars in cash and rewards points and did not help me out at all. I would like to receive cash back for my rewards in my account they closed without my permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-03
Company: Experian Information Solutions Inc.
State: NJ
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:
The information needs to be deleted In the file of a consumer in an event that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! 
Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONXXXX! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy In demanding an deletion of the account 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 2023-12-03
Company: Experian Information Solutions Inc.
State: AL
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 a victim of identity theft. These accounts from XXXX has been on my report fraudulently the past year violating my fcra rights hurting my ability to purchase a home. XXXX XXXX XXXX XXXX has been reporting on my account fraudulently for over 10 years. 

I wrote to the credit bureau on XX/XX/XXXX requesting an investigation that I believe were outdated. I have received no reply or acknowledgment that an investigation has begun. This is my second request. This is passed the 30 window and these in accurate fraudulent accounts needs to be removed from my credit file asap. There are even accounts on my report that are not only fraudulent but these accounts have been reporting negative on my credit file for over 10 years. The credit bureaus are not following their own laws. Its been over 30 days. Accounts such as XXXX XXXX XXXX continue to violate my FCRAa am rights account # XXXX {$29.00} XXXX XXXX XXXX # XXXX {$190.00} Those accounts have been reporting negative on my profile since XXXX and should be removed asap. XXXX # XXXX has been reporting negative on my profile since XXXX XXXX XXXX # XXXX fraudulent account as well and refuse to send any validation that verify such accounts. XXXX # XXXX XXXX # XXXX. These accounts were all opened under my name and these accounts were not authorized by me. These companies have not verified any information by me. The credit bureau are violating my FCRA rights by continuing to report theses fraudulent inaccurate 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 non-monetary relief
Consumer complaint received 2018-05-08
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My ex-husband and I signed all the paperwork to sell our house to a buyer who had a cash offer. The title company failed to secure the funds and so after we signed at the closing we found out the funds won't be available until Weds. due to an error from the title company 's employee. If something happens to the house, who has possession, this leaves my ex husband and I in a very vulnerable position.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Experian Information Solutions Inc.
State: AZ
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:
Please remove this account as soon as possible!

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 2022-12-20
Company: Experian Information Solutions Inc.
State: IA
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 VICTIM OF IDENTITY THEFT BY A WOMAN I WAS DATING. I SHOULD'VE KNOWN HE WAS NO GOOD WHEN HE SO EASY TO STOP TALKING TO ME AFTER I LET HER STAY WITH ME FOR 5 MONTHS. I FOUND OUT THAT SHE HAS DONE THIS TO ALOT OF GUYS LOCALLY AND WILL GIVE ALL OF THE GUYS SHE'S TALKING TO INFORMATION TO HER ACTUAL BOYFRIEND AND THEY'LL SCAM PEOPLE. I NEVER REALLY USE MY CREDIT MUCH BUT I TOOK A LOOK AT MY CREDIT REPORT AND NOTICED THERE IS SOME FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE BLOCKE WITHIN THE NEXT 3 DAYS. 

FRAUDULENT ACCOUNTS : XXXX XXXX BANK AUTO : ACCOUNT NUMBER : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX FRAUDULENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Experian Information Solutions Inc.
State: FL
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:
bank XXXX XXXX XXXX jpmcb card XXXX jpmcb card 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 2023-03-10
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
INACCURATELY REPORTS AT THE END OF THE LOAN THE ACCOUNT WAS IN ARREARS FOR OVER 120 DAYS. REPORTING AND PAYMENT SCHEDULE NEEDS TO BE UPDATED AND FREE OF ERRORS TO REFLECT AN ONTIME PAYMENT HISTORY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX data breach and may have got into the hands of the wrong person.

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 2023-12-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Under the FDCPA, when a consumer disputes a debt ( or requests more information about it ), the debt collector is obligated to provide certain information to validate the debt. This typically includes : A copy of the original written agreement : The creditor or debt collector should provide a copy of the original contract or agreement between the consumer and the creditor. This might be a loan agreement, credit card agreement, or other forms of written contracts. 

Proof of the debt assignment : If the debt has been sold to another creditor or a collection agency, the new creditor must demonstrate its legal right to collect the debt. This often involves providing an assignment, a bill of sale, or a receipt that shows the debt was transferred from the original creditor to the current one. 

If a debt is disputed, and a creditor or collector can not validate it, they are not allowed to report the information to credit bureaus under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Experian Information Solutions Inc.
State: PA
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:
I XXXX XXXX XXXX have one fraudulent account and inquiries appearing on my credit report. 

Account : XXXXXXXX XXXX {$1800.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
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: Account status incorrect

Complaint:
There is an account listed under closed accounts on my report. XXXX 's, accct # XXXX. I have disputed this acct numerous times and everytime it comes back the same. They do nothing to correct it. 
This account is listed on my report under CLOSED accounts, and Charged off. 
Yet my report shows a balance of {$240.00}. If this account was charged off, the bal should be XXXX. 
Also if it is Closed, How can it show a past due balance?? As of this moment in time, it says I have a past due balance of {$80.00}. 
And I would like to know what the difference is between a status update? and a Balance update?? 
This account is also NOT a unsecured loan. It was a revolving account. A retail credit card. XXXX is a department store. 
I have one more question. Why does my payment history ONLY show the negative marks?? If you look at my payment history, it says no info available, accept at various spots .. where it says in delinquency. Like I said, I have asked more than 5 times, that this account be corrected. I also think it is interesting that this creditors contact information states ... BY MAIL ONLY! So I can not call them???

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 2022-11-16
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Company : Lowe 's Credit Card via Synchrony Bank What Happened : Synchrony Bank closed the account on XX/XX/XXXX due to slow and partial payments during Covid. The account balance was for services to be performed on a property that needed to be remodeled. When Synchrony Bank closed the account, we called to cancel the services. We could not have the services performed on the house during COVID in Pennsylvania that had enacted strict COVID protocols. Synchrony Bank asserted that we would have to cancel the services with Lowes. Lowes claimed that they could not refund the services because the account had been closed. This back and forth between Synchrony and Lowes went on as a dispute for 2 years. After 2 years of dispute with Lowes, Synchrony Bank started deducting {$5000.00} payments from our checking account without so much as sending us a bill or a resolution letter. We contacted the bank and they claimed that our original purchase of {$34000.00} was now over {$57000.00}. We started calling Synchrony and Lowes for resolution. Because we had canceled the services several years prior, Lowes refunded a cashier 's check to us personally in XXXX of XXXX for the services that had not been received for {$20000.00}. We contacted Synchrony Bank on next steps and they instructed us to send them the money and they would review for credits. Synchrony Bank received that money on XX/XX/XXXX. They claimed that they would contact Lowes. They did so but continue to debit our account for large payments towards the {$57000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a BestBuy credit card account ( by Citi Bank ) shared with my Data. He is the primary account holder and I am an authorized user. On XX/XX/XXXX, I bought a TV, which is {$1300.00} ( including Tax ), and BestBuy provided me a 12-month financing program with 0 interest, so I decided to use it. 

For the next two months, I paid the installment amount regularly online and decided to set up autopay at the end. However, for some reason, the autopay was not set up successfully, and I missed the following 3 payments until I realized it on XX/XX/XXXX through my online account. Once I realized that, I immediately paid it all once ( including the remaining amount ). During XX/XX/XXXX-XX/XX/XXXX, I didn't receive any letter or notification from BestBuy or City Bank in any mean regarding this derogatory incident. They might send it to my Dad ( I'm not sure ), who I don't live with, but he didn't read or speak English so there was no way he would know this incident and notified me. Currently I pulled my credit report and it showed my FICO ( possibly my Dad 's one also ) significantly dropped due to this incident. I called BestBuy and Citi Bank multiple times to fix it, but they didn't seem to be able to help much or provide any support to correct this incident. BestBuy though understood the fact that this was not intentional and agreed to remove the refund the late payment chargeto me, but they couldn't provide any opinion on this incident, which they already submitted to credit bureau. 

I sincerely with CFPB can help with me remove this and mark off this incident from my credit report. 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Inaccurate information no knowledge of accounts filed with FTC and filed PO report, in violation of my consumer protection rights and fair lending act

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