BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX, I received a check in the amount of {$12000.00} from the XXXX XXXX  XXXX as a widow 's benefit payment after my husband passed in XX/XX/XXXX. The check was drawn on a Fifth Third account. I opened an account online, depositing {$100.00} into checking from another bank via debit card - savings would be funded when the check was cashed. XX/XX/XXXX, I went to the Fifth Third location on XXXX in XXXX to cash the check, subsequently receiving {$10000.00} cash and depositing {$2000.00} into savings. A few weeks later, I received a letter stating the account was locked. I had not used the account in any way at this point. I called in and spoke to XXXX who advised that they needed 2 forms of photo ID and utility bills to verify my address. I advised her, I only had my state ID, no other ID but would bring other information ( voter 's registration, husband 's death certificate, etc ). The financial advisor sent in the documents to a 'fraud ' department. Because of the hassle, I told them I was ok with them just closing the account and getting my funds back. I was advised it would take one month to return the {$2100.00} I had deposited. In XXXX, I phoned in to customer service advised the account would close on the XXXX and my funds would be sent by the end of XXXX. XX/XX/XXXX I called in and was told they could not verify the check that I cashed and would not release my funds. These are insurance benefits sent by a MUNICIPALITY ( XXXX XXXX  XXXX XXXX and the check was a Fifth Third check. I went in to the branch on XX/XX/XXXX and was helped by XXXX. She verified my documents and advised 'fraud ' that the check had cleared and my funds should be released. 'Fraud ' stated they needed more information about the check and would not release my funds. The XXXX XXXX  XXXX provided a copy of the cleared and endorsed check yet the funds have not been released. I need a HUMAN person to review what has happened on this account and assist me. I am in desperate need of those insurance funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-07
Company: EQUIFAX, INC.
State: MO
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:
Equifax has not removed XXXX XXXX fraudulent account that was opened in my name after numerous disputes. Other 2 credit bureaus have investigated and found the account fraudulent and deleted from my profile after countless disputes and tiresome emails. Ex has been in prison so Ive only been able to get limited information. I filed a stolen of police report after failed attempts with XXXX XXXX to remove my name since I was not involved and provided all information to them and yet it took going to the credit bureaus to remove, again however Equifax has not and now they have stopped me from submitting further disputes on the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-08-10
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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 on my credit report by Credit Acceptance Corp. It is listed as open when in fact it is closed. Furthermore this account is damaging my scores horrifically! They ( credit acceptance corp ) continue to report to the bureaus that this account is open and 120 days past due every month for years! That is not possible!!! - it is not open! It has been closed for years. If you look at the Monthly Payment there is no monthly payment because it is closed! This account has been marked late 120 days for the last few years and it's closed! this should not be on my report at all.

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 2020-08-03
Company: EQUIFAX, INC.
State: IL
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: NY
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:
This is my complaint to EQUIFAX. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Square Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Please see the one of many emails that I sent to the company below. 

Good morning XXXX, Thank you for your response. I had someone send me money using my phone number, however I didn't realize my phone number wasn't attached to my account so I proceeded to follow the instructions in the text message I received advising the funds were sent. I received a message saying the funds were collected but the money wasn't showing in my account. I followed the instructions under support for collecting the money using my phone number but that was prompting me to create a new account, so I backed out of the process. However, the sender received a message saying the funds were collected although they aren't showing in my account. I tried to add my phone number to my account but it isn't allowing me to do so, it's saying that the number is attached to another account ( I didn't complete the process of starting the account using my phone number ). I have included screenshots below. At this time, I still do not have the money in the account. Are you able to assist me with either getting the money added to my account or sending it back to the original sender ... XXXX? Thank you for your help. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello i went to the bank to get a home loan and when my credit was pulled i noticed many fraudulent accounts. this is stoping me from obtaining a home and obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: A.R.M. Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX I got a deb collection from above company forXXXX that I never owned or received services Agency account number XXXX My name : XXXX XXXX A.m.r debt collector, working on behalf of our client, XXXX XXXX XXXX XXXX only delivered one time on XX/XX/23, never received the propane delivered on XX/XX/23 there is still a remaining balance of {$830.00} due on the account are for the propane did not delivered

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
LoanCare Mortgage Company reports late payments to the credit bureaus while I am in forbearance ( Covid 19 Cares Act Assistance ). I have waited over 90 days for LoanCare to approve my loan modification I submitted a loan modification in XXXX, instead they have delayed the process and continuously report me as late to the credit bureaus. This is negatively impacting my credit and is not true. I am not required to make a payment during the loan modification process so it should be reported as on time. Their website says that it will not be reported as late while you are in the loan modification process or while you are in forbearance. Furthermore, they are supposed to have underwritten the loan modification within 30 day and it has been much longer than that. Additionally, they have been reporting me as late WHILE in forbearance ( Covid 19 Cares Act Assistance ).

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 2023-01-18
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A credit card was opened in my name on XX/XX/2022. It was opened in my name under the Children 's Place/Comenity Bank XXXX I did not apply for credit with this company. There were Children 's clothes purchased on this account and were never delivered to my home address. I called the Children 's Place to inquire how this account was opened and why it was opened the first question they asked was my social security number and I hung up the phone. I have notified XXXX and XXXX and notified them of this incident. What else do I need to do? Comenity Bank started calling me at my place of employment. They got my son 's email address on the account however he did not open it. The reason we found out is that they sent him emails requesting to contact them as soon as possible. My son did some investigating concerning this company because there are many reports on the XXXX XXXX XXXX website concerning this Bank. Fraudulent credit cards are being opened and requesting payment of them. The XXXX XXXX XXXX has recognized pattern of complaints and have issued these alerts. 

Pattern of Complaint : XXXX  files indicate that this business has a pattern of complaints from a file review conducted on XX/XX/2022, utilizing complaints and reviews between XX/XX/2022 to XX/XX/2022. 

Their communications allege : 1. Billing inaccuracies-failure to post payments to accounts in total or within an acceptable amount of time, failure to post credits from returns, no resolution to fraud cases causing consumers to be responsible to fraudulent activity and interest/late fees, continued billing for interest and late fees for accounts that are closed, and loss of rewards/cash back amounts due to consumers. 
2. Customer service deficiencies-Extreme wait times to speak to a representative and lack of response or lack of resolution to issues. 
3. Inaccurate reporting to credit bureaus-reporting balances on accounts that have been paid/closed and lack of reporting when balances are paid. 

On XX/XX/2022XXXX XXXX informed the company of these issues in writing, with a follow up sent on XX/XX/2022. The business has not replied. 

Please contact me if you need further information. 
Please see the following attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX  XXXX Account Number XXXX Chapter XXXX bankruptcy dismissed XXXX XXXX  XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX  XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX Hard Inquiries 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 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance Owed : {$150.00} ; XXXX  XXXX Balance Owed : {$23.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$200.00} ; 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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-10-13
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Experian to verify the disputed items and remove them if unable to prove that the Items are mine. Experian is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit from or receive goods or services from the alleged accounts. I also contacted the bank and they agreed to remove the account from my file. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

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 2020-12-31
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
*I am able to prove identity with my state identification and a selfie video, birth certificate and social security instruments as well as same phone number I have on file with them* Hello, I registered an account with Coinbase in XXXX of 2020. 

Email XXXX phone number ( XXXX ) XXXX XXXX enabled from XX/XX/XXXXdevice where phone number was assigned to Mid XXXX I deposited {$500.00} into a Bitcoin atm in XX/XX/XXXXMichigan to my Coinbase Bitcoin wallet address. 

In XXXX my girlfriend and I split up and she stole my device and hacked everything that I used to register with my account. 

I have no access to anything I created my Coinbase account with, nor the device itself. 



I made contact with support team in XXXX through a different email I no longer have access to. 

Coinbase wanted me to send a selfie video from the device 's IP address.I explained in XXXX the problem from a different email was that my device is stolen so I don't have the same devices IP address, only the phone number. I made the complaint about that and never herd anything back. 

I have made one last attempt to email them from ( XXXX ) in an attempt to gain access to my trust account. 

Please, please help resolve this issue for me. Please I really need my money right now more than anyone. 

Thank you, XXXX XXXX XXXX *I am able to prove identity with my state identification and a selfie video, birth certificate and social security instruments as well as same phone number that I have on file with them*

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX I opened a Phillips 66 XXXX Credit Card that is managed by Synchrony Bank. I established this card to handle expenses for the XXXX XXXX XXXX that I operate at our local airport. 

On XX/XX/XXXX I contacted XXXX XXXX XXXX and asked them to cancel our aircraft hangar rental starting in XX/XX/XXXX as we were establishing our own private hangar arrangement with another vendor on the airport. I was very clear with the agent, ( XXXX XXXX, that we were to no longer be billed. The monthly bill was XXXX per month. I had thought she was clear on this. 

On XX/XX/XXXX, I was shocked when I opened our bill from Synchrony to find that the XXXX dollar hangar fee had been charged to us. I immediately contacted Synchrony customer service and wasted over 90 minutes of my valuable time talking to 3 different agents explaining that this was an unauthorized charge and that it needed to be removed. I was assured that it would be handled. However this was a lie. 

Unauthorized charges of XXXX dollars were added to my bill two more times for a total of XXXX dollars in unauthorized charges from XXXX XXXX XXXX. 

Many conversations with Synchrony Bank Customer DISSERVICE have been had and several hours wasted trying to get this resolved. 

I have refused to pay and they have affected my credit rating. Synchrony Bank OWES ME MONEY!!!!! And they need to remove the negative marks on my credit rating. Please provide them with the Adult Supervision that they so dearly need.

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 2022-10-13
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed 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

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 2020-12-30
Company: Experian Information Solutions Inc.
State: GA
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:
Inaccurate reporting to my credit profile has caused me to have to pay higher interest rates which has caused much stress in my life along the pandemic I do understand that mistakes happen so I simply requested an investigation into misleading inaccurate accounts on my profile on XXXX to this day over 60 days later I have no received any response which I know has to be a violation of my rights I do feel ignored of my issue and I also found through my search that my credit was impacted by the data breach I do hope you find out you these misleading accounts belong too. Thank you for the quick response.

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