BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquires are on my reports I didnt authorize

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 2023-03-25
Company: EQUIFAX, INC.
State: NJ
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:
To whom it may concern : According to 15 U.S.C 1681 ( 4 ), There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 15 U.S.C 1681b, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 15 U.S.C 1681c, Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. With that being said, there is no such thing as public information. The consumer has the right to privacy. If I don't want something on my credit report, it doesn't need to be on my credit report because I have the right to privacy. The following is a list of accounts that violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX ; Account # : XXXX, XXXX XXXX XXXX ; Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX ; Account # : XXXX XXXX XXXX XXXX  ; Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Hi, my dispute goes back over a year which I am trying to get this resolved and it keeps getting pushed and not resolved by American Express, I made 7 orders with XXXX all for the same amount of {$2400.00}, after XXXX shipped the orders XXXX requested the shipping company to return the items to XXXX, therefor the items were never delivered to me but instead delivered back to XXXX, but here started the problem that XXXX didn't refund me for these orders, when I tried to dispute some were approved while the last one keeps getting closed since American Express sees identical charges refunded so they consider this as a refund for the disputed charge which in fact is a different charge which was never refunded neither by XXXX nor by American Express, as many times as I tried to explain that I kept getting denied for that reason, my last dispute Inquiry Ref. No. : XXXX I actually got a letter dated XX/XX/2019 from American Express saying that they closed the dispute in my favor, but to my shock I never got a refund for this charge, this is not acceptable that American Express refuses to resolve this once and for all

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/ I RECEIVED NOTIFICATION VIA EMAIL THAT A DEPOSIT DECLINED PER INCORRECT PIN. XX/XX/XXXX LOSS PREVENTION CALLED ASKED IF I WAS THE OWNER OF THE ACCOUNT I REPLIED YES. SHE GOES TO TELL ME THAT THE CHECK WAS FOR XXXX WAS ALTERED. AND HOW MANY ACCOUNT DID I HAVE WITH WELLS FARGO THAT THEY WILL BE SHUT TO TILL I CALLED FRAUD DEPARTMENT OR GO INTO A BRANCH AND I DECIDED TO GO INTO THE BRANCH. 
I EXPLAINED WHAT WAS GOING ON. I PROVIDED MY ID SHE SHUT CARDS DOWN AND ORDERED NEW CARDS I WAS TOLD THAT I WOULD HAVE TO HAVE AN APPOINTMENT TO GET ANY CASH. I CALLED LOSS PREVENTION TALKED TO DEPARTMENT AFTER DEPARTMENT ALL I WAS TOLD THAT THE ACCOUNTS WILL BE CLOSED ON XX/XX/XXXX, AND WHERE WAS MY CARD I EXPLAINED ITS NOT HERE IT BEEN STOLEN. OMG!!! PRESS CHARGES THEN TOLD THAT WAS ANOTHER DEPARTMENT. SPOKE TO INVESTIGATOR F. WHO TOLD ME TO GET POLICE REPORT SENT COPY OF THE CHECK. FILED POLICE REPORT TRIED TO GET INVESTIGATOR BACK COULD NOT REACH HER. XXXX I HAD HAD TO WAIT ANOTHER DAY TO GET ANY FUNDS THE WAIT XXXX ADDITIOAL TO GET FUND. I ASKED THE BANKER AM I BEING PLACED ON SOME TYPE OF LIST FROM OPENING ANOTHER ACCOUNT, SHE STATED NO. WENT TO XXXX XXXX TO OPEN ACCOUNT GAVE HIM XXXX CASH AND THEN HE INFORMS ME THAT XXXX  XXXX XXXX XXXX MAY NOT APPROVE YOUR ACCOUNT. THE NEXT DAY THE ACCOUNT WAS NOT HONORED AND THEY WOULD NOT GIVE ME MY MONEY SAYING FRAUD MAY BE IN PLAY. AFTER CONTACTING XXXX WELLS FARGO HAS LABELED MY FRAUDELUENT, TO DATE WELL FARGO HAS NOT PROVIDED ANY PROOF THAT I DID ANY SUCH ACTION OR PARTICIPATED IN SUCH. I HAVE BUILD A XXXX RELATIONSHIP WITH THIS BANK AND THIS IS NOT THE FIRST TIME THE BANK WAS IN THE WRONG I HAD AN ISSUE BEFORE WHERE THEY TRIED TO SAY I ALTERED A CHECK AND THEY DIDINT LOOK AT THE DATE ON THE CHECK AND WITHHELD FUNDS. NOW TO LABEL ME A THIEF AND HURT MY BUSINESS REPUTATION IS TOTALLY WRONG. THIS IS STILL ON GOING

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 2021-01-26
Company: Conduent Incorporated
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Current I have An Wisconsin Pre Credit Card. In Which I receive Child Support On. I Have This Item For Many Years With out an Problematic Prior. 
Then And Now, I only Receive, If I'm Lucky, Less Than {$10.00} an Month. 
( Child Support ) Usually, theres Below Amount Monies Located On this Card. 

Recently, I noticed That My Card Is Over Drawn. As Of These Past Few weeks, Days, Amount Has been Going Higher. Currently at an Over Drawn at {$27.00}, And Climbing Higher. 

Footwork I've been Doing Of Trying To dissolve This Matter Has Been Nil. 
First, I contacted Child Support Office In XXXX, WI. ( XXXX ), Unfortunately, Of an Matter Of This, There Was Nothing They Were able to Do, They Suggested To Call The Number In the Back Of The Card. Which I did, Right away. Because Of an XXXX XXXX XXXX. 

In which they Were Located In Ohio. I wont Waste Your Time Of The Amount Of Times That I called, Within Last Thurs-Friday, And Monday. 
Called Ohio-Nothing They Can Do, It was an Wisconsin Case, Sent Me Back To WI., Which I just Got An general Infor Line, No Humans, Back To Ohio, I wasn't In there System, Or The other Rep. Said My Social Was In their System. Actually One Other Rep. Found Me In their System, Was trying To answer My Question. Was on Hold for 36 Minutes - Hung Up. Patience 's Were Done.

Back and Forth In the state Of Ohio. EPPI Card Inc.

Did Not get any Answers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
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: Account information incorrect

Complaint:
The lady at the front desk assured me that their institution was inside my insurance network and that there would be XXXX copay but 6 months after my hospital visit I received a bill for {$1200.00}. My lawyer contacted their facility to dispute the Copay charges because the lady at the front desk knowingly gave me false information in order to retain me as a client they agreed to settle and remove these charges. I am writing to have this information removed from my credit because it is hurting my credit score and affecting me getting a job and other financial products.

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 2020-12-02
Company: LEXISNEXIS
State: MI
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:
In XXXX, i filed a complaint with CFPB because XXXX closed my account for inactivity, My arguement was they really closed it because of the pandemic and financial crisis when it started and lied and used inactivity as a way to close the account.Well, I have new information that proves they lied.On XX/XX/XXXX i received a letter from XXXX dated XX/XX/XXXX that shows inactivity as one of the reasons.I opened this account in XX/XX/XXXX and last used/paid off in XX/XX/XXXXMy account was close in XXXX XXXXI received a letter from XXXX dated XXXX XXXX and it states my account has been inactive for 18 months or longer.Because of there gross negligence, my credit score has dropped and has caused stress to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: EQUIFAX, 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 have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 saw some inquiries on my credit report I have a fraud alert but did not receive any information that someone pulled my credit I have not done business with these companies and I did not give anyone authorization to pull my credit

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 2022-07-11
Company: BARCLAYS BANK DELAWARE
State: MN
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 received a call from Barclays Bank and I have a credit card through them through XXXX. They had my name and wanted to help get my payment posted because it was over due. To pay the bill they needed to verify my identity with the last 4 digits of my social. I entered that in and then the automated system gave my statement balance and wanted to set up payment. At this point I became suspicious and hung up but they had my voice on the call and they had my last 4 of ssn.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
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:
See attachments. They refuse to investigate these inaccurate accounts on my credit file and continuously lie and give me excuses when I call.

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 2022-07-11
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity bank has been down for weeks. They claim customers can make payments on XXXX XXXX and their phone lines. XXXX XXXX isnt working or when it does its double charging people, many of the complaints seen online and social media shows that. I get hung up on when I call their customer service number. I cant make any payments with them since the systems are down, but I have been hit with late fees during this intermittent constant downtime.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-05
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
XX/XX/XXXX I invested {$200.00} into Bitcoin on Coinbase after I verified my Bank Account and Identity. Was advertised as 2-3 days before I would receive my Bitcoin, ended up being transferred into my Coinbase account on XX/XX/XXXX

During that time before the Bitcoin was credited to my account, I also added a debit/credit card to the account that required additional verification ( Address, SSN, etc. ) After I input that information, Coinbase locked me out of me account. The reason they gave is that I was under-age, except it was a false accusation because I have been of-age since XX/XX/XXXX. 

I tried to contact them multiple times a day, emailing regarding a single support ticket as well as XXXX  to them multiple times a day ( because XXXX is one of the only platforms they seem to semi-respond in ). I ended up stopping my XXXX, noticing that I was getting nowhere, and I just waited. 

My account was locked for almost 3 months, and within the first 2 weeks of the account being locked I had to stressfully watch my bitcoin turn into almost {$400.00}, which I would have turned into a different currency and gotten a few thousand for a car down payment. I took a lot of emotional damage from not having access to that money especially because they wrongfully accused me of being underage and I had to watch the money I invested lose value. 

When my account was finally unlocked, my bitcoin was worth less than the initial {$200.00} I invested, which is basically Coinbase stealing my money. Coinbase has still not responded to my emails, and only unlocked my account. It's been almost 2 weeks since my account was unlocked. I trusted the company to respond to me and to fix the issue, but they never did.

All I want is the {$400.00} worth of Bitcoin that I had. I lost thousands in profit from my account being locked when all of crypto went crazy. All I'm asking for is the {$400.00} worth of Bitcoin I once had. Currently the bitcoin in my account is worth {$190.00} which is STILL below my initial investment of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
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:
IN 2015 I WAS THE VICTIM OF A ARMED ROBBERY AND MY IDENTITY WAS STOLEN AT THAT TIME. I HAVE MY ORIGINAL POLICE REPORT OF THE INCIDENT AND NOW YEARS LATER I HAVE DISCOVERED FRAUD ACCOUNTS ON MY CREDIT REPORTS. I NEED THIS INFORMATION BLOCKED SWIFTLY. THE CREDIT BUREAUS HAVE EXTENDED MY SUFFERING LONG ENOUGH. 

THANKS FOR YOUR HELP AND ATTENTION.

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 2020-12-01
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:
On XX/XX/2020 I've sent a documentation regarding to those unknown and inaccurate account I found on my report. I demand to deleted those accounts or I will file a litigation. Its over 30 Days today I haven't received a response. I was a victim of XX/XX/XXXX Data Breach.

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 2020-12-01
Company: Experian Information Solutions Inc.
State: UT
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:
I have sent out several disputes to each of the credit bureaus :XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX, and Experian and have yet to hear back from any of them. I have inaccurate items reporting on my credit and have been sending disputes since XXXX. I have yet to receive any results or correspondence from them saying they even acknowledged my disputes. Under the law the have to respond back to me!

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 2020-12-01
Company: EQUIFAX, INC.
State: UT
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:
I have sent out several disputes to each of the credit bureaus : XX/XX/XXXX, Equifax, and XX/XX/XXXX and have yet to hear back from any of them. I have inaccurate items reporting on my credit and have been sending disputes since XXXX. I have yet to receive any results or correspondence from them saying they even acknowledged my disputes. Under the law the have to respond back to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: HYUNDAI CAPITAL AMERICA
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: Account information incorrect

Complaint:
On XX/XX/XXXX My Kia XXXX was totaled. Between The insurance company ( XXXX  ), XXXX XXXX XXXX XXXX XXXX XXXX ) .There was a balance of {$880.00} Which I paid. I received the original Bill of Sale from Kia Motors stamped PAID IN FULL on XX/XX/XXXX. In XXXX I received a alert on my credit report the the account had been charged off for the amount of {$120.00}. I immediately called Kia and they said it was a balance due for that amount, I paid it on the spot and the Customer Service rep said that it would be credited immediately and the adverse entry on my report would be removed. I had no correspondence from Kia Prior to that notice on my report. I have two letters from Kia finance who informed me that as of XX/XX/XXXX the account was paid in full, neither said the account would have a charge-off paid statement attached to the file. I also have a recording from their phone system that the final payment was made on XX/XX/XXXX. The delinquincy on the credit reports state that it was delinquent XXXX, XXXX and XXXX, clearly it should be removed for that reason. I have tried several times to have it removed and the credit bureaus side with Kia with no additional 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 2023-03-25
Company: EQUIFAX, 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:
See attachments. They refuse to investigate these inaccurate accounts on my credit file and continuously lie and give me excuses when I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Experian Information Solutions 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:
There are two accounts on my credit report that do not belong to me they are not my accounts!!!!! I have opened an FTC I have emailed, mailed and made numerous phone calls to all the bureaus and the furnishers and they keep saying we will look into this or opena dispute yet nothing is being done I need help to resolve this why are the credit bureaus reporting incorrect information!!!! 

XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX XXXX {$34000.00} XXXX XXXX  XXXX - Acct # XXXX XXXX {$0.00} INQUIRIES Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this 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 explanation
Consumer complaint received 2018-03-05
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Just received notice that as of XX/XX/2018, Hyundai will start to apply a {$3.00} surcharge for payments made on the lease. This fee is waived if I sign up for autopay.

Company response to consumer: Closed with explanation