BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: CA
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 filing this report today XX/XX/20 because I applied for a loan at XXXX and I was denied because of an account from a company called XXXX XXXX reflecting badly on my credit report. I didn't know this account was on my credit report because it's not mine ; I never oped that account and I did not allow anyone to open it in my name. I don't know who this account belongs to but I have never gained anything from it being opened in my name such as money, goods, services or any other benefit nor did I ever make any payments towards that account. I also am not affiliated with XXXX XXXX in any way ; I have never signed any contract or agreement with their company nor did i allow them to run or access my credit file. I have already filed a police report as well as a complaint with the CFPB regarding this incorrect account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Went to Ace check cashing to cash a money order today the clerk was very rude at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX the District Manager is XXXX  XXXX. XXXX did not offer me the opportunity to pay any of the amount that was due she simply kept the entire check and processed the amount owed plus a fee of XXXX Ace check cashing never made me aware that any fee was due i didnt expect the check to be returned it was from XXXX XXXX and i have a letter that shows they issued me a payment. I have had an account with Ace check cashing for 10 years I also have XXXX card and XXXX small business account. Of all the years of going to the various locations and interactions at the store locations I have never been treated as poorly as today. There is video footage of this incident and I will be reaching out to the XXXX  or agencies that regulate financial check cashing franchises. This is a communication that shall serve as notice and opportunity for internal resolution regarding financial services. Additionally, because if her behavior I aim to establish an official grievance about the methodology of your collection practices dont let insufficient technology nor disgraceful employees representing the Ace Check Cashing brand undermine your business operations. Customers deserve to be notified of past balances due or alerted to scenarios that there checks did not clear to contact the issuer as well as make arrangements with Ace as necessary. The money I presented to Ace Check Cashing was necessary for bills and medical issues. IT was just as if being robbed that procedure needs to be mended. I have cashed other items after the XXXX XXXX Check and no balance was ever mentioned to me. This is definitely unfair she took almost 88 percent of the money with no warning a stern face and impolite mannerisms. 
Please reach out to me immediately, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
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:
ftc violations inqurires XXXX  XXXX XXXX. {$4700.00} {$2600.00} XXXX inquires all besides above 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 2020-07-07
Company: Experian Information Solutions Inc.
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: Information is missing that should be on the report

Complaint:
I have lates on my credit report from XXXX XX/XX/2016 my loan was deferred please remove it I paid my loan in good faith may god bless you please.

XXXX XXXX  I have 2 accounts that should be removed from my credit report

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 2022-09-27
Company: OneMain Finance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was sick for XXXX weeks and unable to work. I contacted Onemain for short term hardship. They asked me to send them 2 months bank statement. Which I did. They came back and said that there were deposit in the account even that there were a drop of 50 % on the deposit. Somehow that show profit for a self employed individual. Those most of those deposit were just XXXX transfer to cover expenses because I was not working and the underwriter can clearly see that. I do not know why this company just want to push peoples to the edge when they know you are having a temporary financial issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: BAM Management US Holdings Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hi. I am in day 29 of waiting for a resolution from Binance.us ( BAM Trading Services, Inc. ). They are currently holding over {$12000.00} Busd of mine ( stable coin linked to the US dollar ) in a wallet they own instead of my wallet on their exchange. I provided all relevant TX ids and proof of success to their CS department. They issued a service ticket number XXXX. After email every day and finally getting their XXXX  account to escalate the issue they responded and said for a fee of XXXX ( bitcoin ) they would extract my money and return it. 
That was over 2 weeks ago and nothing has been done. I email daily and after initially assuring me that they were working on it, I have stopped getting responses. I read other accounts of this happening and people being 90 days into their service ticket with no resolution. I just want my money back. I have all correspondence as well as traction info if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, INC.
State: WA
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:
XX/XX/2020, my husband and I contacted XXXX XXXX XXXX to ask them why they were reporting our auto loan account as closed to one bureau, 8 times late to another bureau and 10 times late to the other bureau. We also asked them to correct the inconsistencies. We further asked them to at least remove the late for XXXX and XXXX of 2020 as per the Cares Act. They said they would look into it, acknowledged the errors and said it would be fixed. 

A few weeks later we were denied a home loan when our lender pulled our credit and saw these same errors on our XXXX Account. Again, we called XXXX and asked them to correct the reporting and they told us " NO. '' They said they did not have to correct any of it. 
We reapplied for a home loan in XXXX-errors still on credit report. We have sent letters to XXXX requesting that they correct the reporting, and received no response. 
We have emailed and called numerous times and they refuse to correct. 
We called the U.S. Supervisors of each of the three credit reporting bureaus and they have all told my husband and I that XXXX is giving them the info that they are reporting and that as such, they can not fix it even if we give them our records. 
We old XXXX that we have confirmation from the credit bureaus that they are in fact reporting this inconsistent and inaccurate information. XXXX acknowledged that they are giving the bureaus the information and are still unwilling to correct. 
We have explained that this inaccurate information is causing us to be unable to secure a home loan, subsequently putting us in danger of homelessness and they refuse even though their own website shows that we made the payments ( triple payments last XXXX ), and they are not charging late fees for any alleged lates-yet still refuse to pull off the lates even though according to the Cares Act-they can pull off the lates. We proved that we didn't pay late those months and still they refuse to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Wilber and Associates, P.C.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A few weeks ago ( XX/XX/XXXX ) I received a letter in the mail from XXXX  XXXX regarding an accident in XX/XX/XXXX. The letter did not have the correct mailing address for me. I contacted XXXX  XXXX on XX/XX/XXXX and they gave me information stating that the item has been passed on to Wilbur and Associates for payment. While talking to the agent with XXXX  XXXX, I updated my contact information so they had the best way to reach me at on file. The letter from XXXX  XXXX stated that the amount owed was {$630.00} but when I contacted the Wilbur and Associates, the amount due was over {$1200.00}. When speaking with the agent, I let them know that the information given to them regarding my address and phone number were not correct and needed to update the information which was done today. After calling back later today to set up a plan, the agent with Wilbur and Associates would not provide me with the documentation about the debt but needed to have a payment of {$600.00} today. I was not contacted regarding this issue and my mailing address on file is correct. When dealing with the agent, I was harassed and denied information needed in order to pay the debt. Also, the agent told me that she would suspend my license and revoke my car since I could not pay the full balance today. These treats should not be used when a customer is trying to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: EQUIFAX, INC.
State: IL
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau 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 Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
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:
ftc violations inqurires XXXX  XXXX XXXX. {$4700.00} {$2600.00} XXXX inquires all besides above 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 2018-04-07
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied and was approved for the Chase Sapphire Preferred card on XX/XX/XXXX. The promotion I signed up for was for 50,000 points after spending {$4000.00} in three months. The promotion also waived the annual fee of {$95.00} for the first year. 

On XX/XX/XXXX, I was charged {$95.00} for the annual fee even though the original credit card application said the annual fee would be waived for the first year. 

I called Chase two times on XX/XX/XXXX to have them refund the fee since the promotion did not charge the annual fee for the first year. After speaking with two supervisors, their best explanation was that I applied for a different promotion that did not waive the annual fee. They said at the time, they were running two promotions -- one that waived the annual fee and one that did not. I accessed the application through their own website on two separate occasions, the first time I did not finish filling out the form. When I went back to submit my application, apparently the promotion changed and it was not made clear to me. It seems to me that Chase purposely knows that some consumers, such as myself, are unaware of two separate promotions ( on with annual fee waived and one is not ) and deceives consumers who unknowingly apply for the wrong promotion. The terms and offers should be made more clear throughout the application and should not change depending on when, where, how the application is accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The credit bureaus show late payments on my credit report from several creditors between the dates of XX/XX/XXXX and XX/XX/XXXX. I was serving on XXXX XXXX at that time, yet no matter who I contact ( at the credit reporting agency or the creditor ) none of these organizations have respected my rights under the SCRA.

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 2020-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I filed a complaint in XX/XX/2020 during COVID-19 concerning my Capital One credit cards. Both cards were disputed with CFPB but only one of the cards returned to XXXX  balance the other card has a balance of {$94.00} including interest fees on the amount. Capital One is continuing to charge interest fee on my card ending XXXX. I'm under FURLOUGH with my employer during this COVID-19. Capital One is not honoring the situation. I already filed this complaint before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-24
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: Account information incorrect

Complaint:
inaccurate information is being reported on my credit report. it is affecting my credit and credit scores.

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 2022-08-30
Company: Experian Information Solutions Inc.
State: PA
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 Account Number ( XXXX ) ( XXXX ) ( XXXX ) U S DEPT OF EDXXXX The above creditor 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 explanation
Consumer complaint received 2018-03-06
Company: Experian Information Solutions Inc.
State: CA
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 received a credit alert several days ago that a hard credit inquiry had been added to my account. The inquiry is from XXXX and is date XX/XX/2018. I did not authorize this credit inquiry, and I don't not currently, nor have I ever had, a XXXX account. 

I have had several other fraudulent credit checks on my account over the last month, and I have issued a fraud alert on my credit, which was put in place prior to the date of the XXXX credit inquiry. 

I have attempted to contact XXXX customer support several times to notify them of the fraudulent credit check. My concern is that someone has used my personal information to open an account with them. All of my interactions with XXXX customer support have been unproductive. I have been told each time that they are unable to remove the unauthorized credit check, and have not given me any information or different point of contact to for how to remove the inquiry.

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 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have tried to get old addresses and alias names off my report please delete these names and addresses

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 2019-02-27
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an open debt collection showing on my credit reports that is not mines. I did not authorize this account on my behalf or anyone else 's. I wish to dispute this matter immediately due to the inaccuracy of this information.

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 2018-03-06
Company: EQUIFAX, INC.
State: CA
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 received a credit alert several days ago that a hard credit inquiry had been added to my account. The inquiry is from XXXX and is date XX/XX/2018. I did not authorize this credit inquiry, and I don't not currently, nor have I ever had, a XXXX account. 

I have had several other fraudulent credit checks on my account over the last month, and I have issued a fraud alert on my credit, which was put in place prior to the date of the XXXX credit inquiry. 

I have attempted to contact XXXX customer support several times to notify them of the fraudulent credit check. My concern is that someone has used my personal information to open an account with them. All of my interactions with XXXX customer support have been unproductive. I have been told each time that they are unable to remove the unauthorized credit check, and have not given me any information or different point of contact to for how to remove the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Said no problems. CASE CLOSED! Starting short sale and or foreclosure. XXXX  couple weeks back no money no home to heal from XXXX the XXXX been out of work almost well 1 1/2 years my XXXX XXXX XXXX from XXXX. WE WERE NEVER LATEWELL THE ISSUE OF BEING. WELLS FARGO FORCLOSED AND OR SHORT SALE.THANK YOU I CANT WAIT TO PACK UP OUR FIRST HOME EVER, AND CANT WAIT TO HEAL OR DIE TRYING NOT to ON THE STREETS OR CAR SOON, THANK YOU AGAIN.WONDERFUL JOB GREAT COMPANY.NOW WHERE WILL MY DISABLITIE CHECKS GO?

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 2020-09-09
Company: EQUIFAX, INC.
State: VA
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:
Sent Validation of debt letter in XX/XX/2020 and hadn't received a reply from bureau. Multiple inaccuracies on credit report that need to be fixed. Utility Bill and ID also sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I opened a credit card with XXXX. I bought XXXX in merchandise with the new credit card and then paid the credit card balance off right away before I left the store ( XX/XX/2020 ). The associate then charged {$10.00} on the credit card without my knowledge and there is no documentation of what I purchased for {$10.00} on the bill. I was unaware that she had done this and Never opened my statements because I believed that I had a XXXX balance. When I opened the statement there were late fees and I had been reported to the credit bureau with a negative impact on my credit score. XXXX credit card is managed by Comenity bank and they say that they can not correct the error.

Company response to consumer: Closed with non-monetary relief