BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-25
Company: Anchor Financial, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
In XXXX I transferred XXXX XXXX tokens from the XXXX XXXX  to ANCHORUSD. This app had a 5-star rating and good reviews. Also, this site was going to participate in the XXXXXXXX XXXX drop. I transferred my coins. I could check my balance for three years, and everything seemed normal. In XXXX of XXXX, we received our XXXXXXXX XXXX I had this app on three phones and could check my balance for three years. During this time, ANCHORUSD asked me to verify my identity, which is normal. Everything seemed normal. I then noticed that I could not access my account on one of my phones and opened a ticket with them to report the problem. 

ANCHORUSD accused me of laundering money and asked me to remove all my tokens from their siteXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Consulates worldwide. I currently live in XXXX XXXX, XXXX XXXX, but my home of record is XXXXXXXX XXXX. I verified my identity with them, and they were satisfied. However, I still was unable to log in to my account from one of my phones and reported this. I then started to read reviews about them online, and many others can not remove their funds from this site. I decided to move my tokens back to XXXX. I am being blocked by ANCHORUSD from doing this. I have tried for several weeks to move my coins and can not. I am repeatedly told by ANCHORUSD that they are working on the issue. 

After reading posts on ANCHORUSD, I believe them to be a scam. I want to report this so that if there is any recovery from them, I may be able to recover my coins. 

Yes, I feel stupid. Their app is still listed in XXXX and has over 4 stars. I have lots of emails. More than what I seem to be able to upload to your site. Also, there are numerous complaints about this site on the Internet. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Hi my name is XXXX XXXX. I am trying to get help! I used my card at atm at chase bank. When I put the card in to get my money it declined it for the amount but took it out anyway and it did not dispense any cash. The card I used was a ebt card. I told the bank they said its not there issue cause that card is not from there bank. So I made a claim with the XXXX  card and also called chase to make a claim with them. I dont know what else to do. I feel they should of given the money that belongs to me cause it was pulled out of my card. This is not right. It happened in XXXX XXXX, ca, so if you can help me I would be grateful. I suggest for people not to use the chase bank in XXXX XXXX they are rude. They do not want to help with anything or problem. So I believe if dont want your money taken and not giving back! Do not go there or to any of there atm machines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIORECOV from ( XXXX ) XXXX, XXXX XXXX, XXXX Hrs, from ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX Hrs are only the the most recentcalls. This company has been calling me for years. Spoke to person several times explaining that the person they were trying to collect from is not me, I never heard of them. I don not owe anyone anything. I have never written a bad check or missed a bill EVER! This is my home land line number. number is unlisted and on the Do Not Call registry. IT has been my number since XXXX XX/XX/2015 when I moved here. I've blocked their number several times, but they keep spoofing new numbers. This business is the worst of the worst. How can they be stopped? Will someone Please DO SOMETHING! My Telephone number is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Account # 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

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 2020-11-11
Company: ENOVA INTERNATIONAL, 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:
I opened a netcredit revolving line of credit in amount of {$10000.00} in XXXX. I paid the required bimonthly payment of {$260.00} for 16 consecutive months ( debited automatically from my checking account ). After 32 on-time payments, I contacted Netcredit to inquire why my balance continued to go up even though I was making on time payments. I also inquired about making a lump sum payment to pay off the account more quickly. It was at this point that I was told that my interest rate was nearly 50 % and that I was not allowed to make a lump sum payment on the account unless I paid the entire balance of {$11000.00}. At this point, I realized that this was the typical predatory loan that was designed to hurt consumers rather than help consumers in need. 

At this point, I contacted and contracted with the XXXX XXXX XXXX to settle this account. I had already re-paid about {$8000.00} on this loan in 16-18 months however my loan balance was increasing. The XXXX XXXX XXXX was able to arrange a settlement agreement on the account for about {$4100.00} ( on top of the {$8000.00} I had already paid ). The agreement stated that I was suppose to make monthly payments of {$250.00} for about two years. I paid the entire {$4100.00} settlement amount off in 4 months. A stipulation of the settlement agreement entered into by the XXXX XXXX XXXX and Netcredit was that no payments would be reported late once the contract was formed and executed. Netcredit breached the contract with the XXXX XXXX XXXX by reporting my payments late to all credit bureaus during XX/XX/XXXX - XX/XX/XXXX. The contract clearly stated that no payments would be reported late as long as I made my payments on time to the XXXX XXXX XXXX. The XXXX XXXX XXXX promptly paid Netcredit each month on time yet Netcredit still reported that my initial {$500.00} obligation to them was late even though they contracted to accepted the settlement monthly amount. 

I have contacted Netcredit on multiple occasions to request that all late payments during the settlement agreement period be removed. They indicated that the no late payments were to be reported during the settlement period provided that payments were made yet late payments were reported. Please have all 5-6 of these late payments to Netcredit deleted from all of my consumer reporting agency reports ( XXXX, XXXX, and XXXX ). Please report this account as a positive paid on time account. This has negatively affected my ability to establish credit, purchase a car and purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: EQUIFAX, INC.
State: MD
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2023-06-17
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2023-03-13
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: 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected 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 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 2021-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My complaint is a general one after dealing with TransUnion and XXXX  today XXXX XX/XX/XXXX XXXX to remove a security freeze. I was eventually able to speak with someone in customer service with each company but only after a long and frustrating effort to get into their website. Even though I temporarily removed a freeze in XX/XX/XXXX until XX/XX/XXXX, the sites at both companies did not recognize my information including my social security number, birthdate etc. This makes me wonder if they intentionally make the process so difficult and time consuming that consumers decide not use the temporary freeze option, which is what I chose to do not wanting to go through this again. Is it possible that there is some advantage to the companies in having accounts that arent frozen? I think these companies are ripe for some anti-trust enforcement and hope under the new administration that will happen.

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 2023-01-20
Company: EQUIFAX, INC.
State: MN
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 Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is reporting a collection on my credit report. This account is reporting inaccurately. The date of last activity has been re-aged. Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 

XXXX is reporting the date of last activity as XX/XX/XXXX. XXXX is reporting XX/XX/XXXX.EQ is reporting XX/XX/XXXX. 

Equifax is reporting a balanced owed as {$890.00}, XXXX  is reporting {$890.00} and XXXX is reporting {$820.00} XXXX is also reporting a past due balance of XXXX on my equifax report. On a collection account, a collection company can not report a past due balance that is an violation. 

Furthermore, Equifax is reporting the date opened on this account as XX/XX/XXXX, but is reporting the last payment date as XX/XX/XXXX. There is no way possible that this account was paid on before it was even opened. Also XXXX  is reporting the high balance as XXXX but reporting the balanced owed as XXXX that is another violation. 


Under FCRA 15, U.S.C section 1681 and FDCPA 15. U.S.S section 1692 XXXX erroneously attributed debts to my report, and has failed to properly validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
hello my name is XXXX XXXX i filed a complaint XXXX complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/2023 and have not been responded to yet so there for since the credit company have not got back me within the 30 days that they are legally required to they need to erase what i am disputing about off of my credit report an i also would like to be reimbursed for the losses that i have sustained due to improper credit reporting the info that they are reporting is inaccurate on each credit site and it has to be the same or removed i was just recently denied a car lone and loss my job due to the fact that i cant get to work i was working at XXXX was unable to get there due to be denied a car due to the collections on my credit report that are not even the same i will show proof below this has greatly affected me and my everyday life in ways unexplained please help i would also like to be reimburse for every collection that has been reported because i am aware that that it is illegal to report those as well and also XXXX  is trying to charge me to view my credit report and i am aware that that is illegal as well

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
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:
I'm a victim of identity theft this account has been subjected to fraud. 
.

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 2020-12-24
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been a with COMENITYCAPITAL/XXXX  customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
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:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-10-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX, XXXX and Transunion have all but ignored my requests for actual proof that the accounts belong to me and that I am the person who made the charges against my accounts. Each credit services company refuses to show me how they have verified information on my credit report, who verified the information and who reported the information to them. In addition they have refused to provide me with a copy of the original signed credit request in accordance with the fair credit reporting act. I have been fighting with them since 2014 against 4 bad reports on my credit report and they refuse to budge or work with me. In addition to this, instead of going directly to the creditors, they are using 3rd parties such as XXXX XXXX to verify the accounts which is again in direct violation of the fair credit reporting 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
Consumer complaint received 2023-06-27
Company: EQUIFAX, 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief