BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-14
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have told this Company 's my bill should not be with you. The State of New Jersey do not have this Company 's is not listed with New Jersey Banking and Insurance so they can not collected a payment from me. Need your help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
TransUnion is reporting 5 Inquires on my credit report that does not belong to me. 
XXXX. XXXX XXXX, inquiry from XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, inquiry from XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX, inquiry from XX/XX/XXXX XXXX XXXX XXXX, inquiry from XX/XX/XXXX Fraudulent information is being reported on my credit report and TransUnion has neglected and refused to remove fraudulent account. Someone else whom I am unaware of has used my information without my permission and knowledge. I did not authorize this inquires.

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 2022-11-01
Company: EQUIFAX, INC.
State: MI
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:
Ive filed a identity theft repost and wrote into the 3 consumer reporting agencies to block and remove information, but they did not do so. 

The following companies reporting to the Consumer Reporting Agencies DID NOT follow the Opt Out guidelines stated in 1016.7 Form of opt out notice to consumers ; opt out methods. 
With is a violation of my Consumer Rights, Right To Privacy, and private property being used for public use without just compensation The reporting of these accounts have caused credit applications to be denied and low credit limits offered. This resulted in set backs in my personal family and household necessities. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax keep sending these stall tactic letters requesting my information and I have submitted this information when I submitted my disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My Amazon Corporate Card has {$380.00} in unapplied credits that I called as required to get applied to my balance of {$690.00} and Amazon representative could not find credits in the system although they were never applied. 


XXXX XXXX from Amazon only showed in her system older credits of {$280.00} applied from previous statements but had no idea why they were not properly showing the {$380.00} credits in the system. Someone had manipulated the system & transferred my credits without applying to my account. 


I went to CEO of Synchrony Bank after going through corporate office as XXXX XXXX also did not apply over {$200.00} credits to my account properly and when I ask for date and invoice number 6 times would not provide. 

I suspect fraud in the corporate account section of Synchrony Bank and the way they apply credits leaves the door open for an accounts specialist to apply one persons credits to another account with no one being the wiser as it is not applied by transaction to zero out the debit by the credit. They can apply credit dollars against any transaction with any date & any dollar amount with no record required of doing so. Something is very wrong -- please see my bill attached which clearly shows credits that were never applied & now somehow disappeared.

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 2018-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Transunion failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX XXXX, XXXX XXXX and 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 2023-10-11
Company: EQUIFAX, 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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: PNC Bank N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX. I was denied by PNC bank for Cash Rewards Visa credit card. I conditionally accept the offer upon proof claim that you/they have the right to reject my application and I need to see the factors that went into the decision based on the law public and private. Under 15 USC 1611. Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under SECTION 1606 OF THIS TITLE in such a manner as to consistently understate the annual percentage rate determined under SECTION 1606 ( A ) ( 1 ) ( A ) OF THIS TITLE, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: RateGenius Loan Services Inc
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
About 2 weeks ago, I submitted an application on XXXX to be connected with companies who could offer me an Auto Refinance Loan. I ended up deciding to wait a while for my credit to get even better, but I wanted to warn others about the tactics used by RateGenius.com. 

I was called today at work by who I assume to be XXXX XXXX @ Rate Genius. I am making this assumption because I was emailed at the same time as called by Rate Genius, with the sender being XXXX XXXX. 

XXXX informed me that they had preformed a " hard pull '' of my credit score, as well had all 10+ (  or more ) affiliates that were notified of my application at XXXX . To be clear, these are not words of warning about XXXX. Of course, as an informed person, I knew this to not be true, as XXXX would not have a viable business model if they destroyed the credit of every person who uses their service. 

I was taken aback by the call, and so decided that I should report this employee to the company so that they could retrain this person. 

I spoke with " XXXX '' over their live chat service available on the homepage of RateGenius.com. I have screen-shotted the entirety of the conversation, and am attaching it to this report. Instead of apologizing and promising to retrain the confused employee, as I suspected, instead the representative DOUBLED DOWN on this. He claimed incorrectly first that XXXX authorizes it's affiliates to run credit reports, even though I knew ( by XXXX 's own disclosures ) that this is not true. 

After copy/pasting XXXX 's disclosures into the conversation, XXXX then stated again that affiliates are free to effectively destroy credit reports by running soft or hard pulls at their discretion. 

These aggressive and misleading sales tactics would easily scare and confuse an uninformed person into signing up NOW, since their credit would be ruined for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Coinbase, Inc.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
After using the service for some time to do some minor investments over several years, this company decides to lock my account for no stated reason upon trying to do any withdrawls. 

They requested that I verify my government Id, which I did, but their system automatically refused it. This gives me the vibe of fraudelant activity by this company and I have read up on it since and indeed they are often guilty of such affairs. 

I hope to get this resolved but I suspect that based on their methods of operation that they are not in a rush to resolve this matter. I hope to see my funds soon, because in these economic times I can not sit around and wait for such childish handling of other 's money to resolve itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2022, I downloaded a direct deposit form from Cash app to give to my employer because I needed to change my direct deposit from going into my current account at the time because my wallet had been stolen as well as some funds from that account. I sent the direct deposit form to my employer as instructed to. My employer deposited my payroll check in the account number listed on the direct deposit form from Cash app on XX/XX/2022 in the amount of {$1500.00} However, I have not been able to access the account because I can not recall the email, phone number or cashtag for this account. I've called cash app several times in regards to this issue that I am having because I really need my paycheck. Every time I speak to a representative they just keep telling me that there is no way that they can access my account by just using an account number, only by email, phone number or cashtag. I feel as though they are not giving me correct information because there just really has to be another way to access my account. I am a XXXX veteran and I really need my money ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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:
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 corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$3000.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$810.00} 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 2022-11-01
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase problem! 
On XX/XX/XXXX, when I found my card was not working when paying for my meal, I called chase, and they said there was a problem ( unable to disclose to me ) so they decide to end relationship with me, close my card. 
The bank said the remaining funds would be mailed to me in 15 days, and I confirmed this to a banker in a nearby branch. 
But when I went there again XX/XX/XXXX, they say the funds are still in card ( {$7100.00} or so ) and no check was sent out. The account was official closed in XXXX XXXXThere was no way that they can contact manager or someone from XXXX, because even through internal phone call there superiors told that they did not understand why this happened. 
I tried phone the customer service, every time they said it is under review, and may take to XXXX  days. I consult a friend on social platform he said it took XXXX year to get the fund back, which is ridiculous. 

Currently, I demand the bank to process the fund and refund to me in a month. I will not ask for reasons for account closing cuz it is already closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
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: Investigation took more than 30 days

Complaint:
i recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer dispute. I am very stressed and concerned, i have been sending letters before this and still no 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
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S, C 1681 section 602 A. States I have 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

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 2023-06-19
Company: EQUIFAX, INC.
State: IA
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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
I submitted my first complaint on XX/XX/2023. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associate of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 ( 7 ) states everything has to be 100 % Accurate. I have the credit report showing inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: TN
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 am a victim of identity theft, here are the hard inquiries listed below : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : 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 2021-11-05
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was in process of initiating two payments to XXXX XXXX. When I started typing XXXX 's name the Venmo app algorithm automatically suggested a wrong recipient : XXXX XXXX. Not paying attention, I clicked on the name that the Venmo App was recommending. I would not have clicked on the wrong name if the Venmo App had not recommended that I click on the wrong name : XXXX XXXX instead of the person I intended to send the payment to XXXX XXXX. 

XXXX XXXX is a former XXXX  I had exchanged XXXX-related emails with 5 years ago when I was attending the XXXX XXXX XXXXXXXX XXXX I never had any financial transactions with XXXX XXXX. I barely know him. I never had any transaction with XXXX XXXX using Venmo. There was no reason for Venmo to auto-populate his name in the recipient field. I think that doing so was deceptive and took unfair advantage of the fact that was not paying attention and assume that the Venmo XXXX would not mislead me. 

After realizing and immediately notifying Venmo of the error, I asked Venmo to reverse the transactions. Venmo first made me believe that they will reverse the transactions. Two days later, Venmo claimed that after mining some data about me, without my consent and without even telling me which data they mined, they noted that I have exchanged some emails with this former classmate 5 years ago and that was ground for them to deny the reversal of the erroneous transactions. 

This decision from Venmo is unfair, deceptive, and abusive. It was unfair and deceptive to use their algorithm to prepopulate the recipient name field with the wrong individual using stale 5-year-old data mined without my permission. It is abusive to harm me by refusing to reverse two transactions due to an error that Venmo Algorithm initiated by auto-populating the recipient filed with the wrong name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Bread Financial 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: Account information incorrect

Complaint:
I paid my Zales credit card off in full on XXXX. Since paying this off I've called at least 4 times and sent several messages through my account portal trying to get the balance removed from my credit report. They had no problem reporting my balance and payments when I owed them but once its paid I can not get the balance removed. 
I have disputed this with XXXX they also have been waiting on a response since XX/XX/2022. This is effecting my credit score as well as giving the impression I've owed this since XXXX the date of their last update.

Company response to consumer: Closed with non-monetary relief