BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-14
Company: EQUIFAX, INC.
State: MT
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 continued to try and resolve this matter informally with EQUIFAX for over 2 months. Furthermore, records with CFPB will reflect I still have open complaints with EQUIFAX that are almost 2 months old and without a response from EQUIFAX. I have 1 Inquiry on my EQUIFAX credit report that needs to be removed immediately because the 2 years have expired : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX AV, XXXX, FL XXXX The other inquiry I have disputed with EQUIFAX for over 3 months and EQUIFAX hasn't even addressed the matter and provided me with an update. The following ENQUIRY is in dispute : XX/XX/XXXX XXXX/XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX EQUIFAX failure to respond and their dereliction of duty to remove the outdated inquiry which is greater than 2 years old is a clear violation of the FCRA. EQUIFAX is knowingly and willingly denying & violating my rights granted to me by the FCRA. KNOWINGLKY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: Resurgent Capital Services L.P.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV has contacted me multiple times by mail over the past few months. Each time they have contacted me, I have requested validation of the said debt that they claim I owe. I have kindly requested validation each time I am contacted by them. LVNV has failed to provide me with such proof I requested. On XXXX XXXX I received a generic account summary page and a statement of what LVNV is under the impression I owe. This " validation '' does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Despite my efforts in trying to work with LVNV directly, they proceeded to insert an erroneous negetive tradeline into my credit file. This action is illegal based on the fact they failed to provide me with proper verification of debt on multiple occasions. This negative reporting has taken a serious toll on my credit report and finances in general by impacting my a cess   to reasonable credit terms. This is going to cost me 1,000 's as I am in the process of purchasing a home and this is delaying my approval. This is all due to LVNV reporting an account that they claim I owe money one but in fact I have no idea what the money they claim I owe is for! I have no bad debts and LVNV is attempting to deface my name by reporting such info. LVNV Refernce ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions 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:
On XX/XX/2023 at XXXX I called experian fraud department I was explaining to a representative name XXXX that my rights had been violated by the company XXXX XXXX and also Experian she got rude and nasty and told me they have the right to furnish my personal information with out my written consent witch violates my rights In accordance with the fair credit reporting act 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 I was hang up on I called and asked to speak to a supervisor left my complaint with them as well Case number for my complaint XXXX this was originally a dispute of identity theft that they never resolved correctly after my ftc report police report and complaints a rep few mins later was able to get my new dispute in

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 2019-12-14
Company: TIDEWATER FINANCE COMPANY, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a car from Tide Water. I brought my old car in for a trade in. The signed papers say they will take my car as a trade in and pay that loan off. They did not pay the loan for the old car off. I call the Texas Attorney General 's office. His resolve was to take the new car back to TIDE WATER, and just drive my old car. The old loan was not counted as late due to TIDE WATER 's illegal activity. I am not sure why they would risk putting this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
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 information incorrect

Complaint:
Transunion is tarnishing my consumer report by, displaying inaccurate information XXXX account number XXXX. This is information is false and is interfering with me receiving a loan.

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 2019-12-14
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:
XXXX acct no XXXX is fraudulently appearing on my equifax  and XXXX reports. 
the manufacturer, seller and creditor XXXX XXXX XXXX defrauded me on the sale of a diamond ring. 
the diamonds are not genuine gem quality but man made " industrial '' type diamonds and the gold quality is much less gold carat than is stated. 
DELETE THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
On XX/XX/XXXX  - XXXX is harassing me and using abusive and profane language when contacting my phone. I told them to put me on the do not call list and they asked for my social security number. When I told them I won't be giving that they told me they couldn't help me. When contacting them back to stop contacting and put me on do not call list, I was told they do not make phone calls which is a lie and very unacceptable practices. I am sure this is a violation of the FDCPA. It is the CFPB 's job to protect the consumer and ENFORCE the LAW. XXXX has also never validated the alleged debt they CLAIM I owe. And they are also not honoring my request to opt out which I have sent sever times which is also an unlawful act on their behalf. Please forward to general counsel. 16 CFR Part 313

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have one name and one address the company continues to report incorrect addresses after providing proof of my current address. I want all other addresses and names removed

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 2022-09-22
Company: BAM Management US Holdings Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My Complaint against Binance.US ( BAM Trading Services ) cryptocurrency exchange XXXX XXXX XXXX XXXX As a tax paying citizen of the U.S. and resident of the great state of South Carolina, I am requesting government assistance in a problem that I ( and many other retail investors ) are having with Binance.US cryptocurrency trading exchange headquartered in XXXX XXXX, XXXX  and which is supposed to be a federal government regulated exchange. On XXXX XXXXXXXX XXXX I sent a support request to Binance.US after they for no reason given decided to block my trading account and block my ability to withdraw my XXXX Bitcoin ( approx. {$1000.00} value ) that I had just deposited a few days earlier into my Binance.US account. As of today, XXXX XXXX, XXXX they have still not unblocked my account so that I can withdraw my {$1000.00} Bitcoin that I deposited into my account and in one email to me they stated that i would have to wait a minimum of 30 days in order to be able to withdraw my Bitcoin from my account. I have filed multiple support requests to Binance.US and they do not respond. They block you from trading and withdrawing your funds and then when you send in a support request ticket to get help to withdraw your assets from your account they will not respond to your support request. This is just like they are stealing my money. Why is the company not being investigated by the Securities and Exchange Commission who claims their mission is to protect U.S. retail investors from fraud and abuse?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I certified mailed a clear and legible notarized FTC Identity Theft Report to Equifax. Along with clear and legible copies of my Drivers License, Social Security Card, a utility bill and a cover letter stating I was a victim of identity theft and to remove all fraudulent accounts, addresses and inquiries listed in the FTC Identity Theft Reports. USPS said that Equifax received it on XXXX XXXX. I called Equifax on XX/XX/XXXX I was told that the documents weren't clear or able to be read. And that I needed to re-submit them. I was given a fax number to resubmit the documents. I filed two new FTC Identity Theft reports to make sure they were legible, clear and that every box was filled in. I then faxed all of my documents to XXXX. I received a confirmation that Equifax received the fax on XX/XX/XXXX. I called today and spoke with a representative from Equifax by the name of XXXX. He said the system couldn't authenticate me. I asked to speak with a supervisor. I was transfered to XXXX XXXX He said his ID # is XXXX. He and XXXX both initially said they couldn't see my documents. But that they were not legible again. I said that is not possible. He then said Oh now I can see them. Yes they are not clear. They have a XXXX spot on them and are blurry. So he said for me to send my documents in again. And a letter requesting to be authenticated. I AM SOOOO UPSET. Equifax is playing games and violating laws. They received clear legible documents. I will attach the documents that I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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:
I am a victim of identity theft. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  and Dept of ED have fraudulent accounts on my credit profile that need to be removed immediately.

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 2019-12-12
Company: JPMORGAN CHASE & CO.
State: CA
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:
This is with reference to my Chase credit card account ending in XXXX, which has a XXXX  balance and no activity since XX/XX/2019. 
I tried multiple times to transfer its full {$5100.00} credit line to my other Chase credit card ending in XXXX with no success. 
First time was on XX/XX/XXXX, after exceeding 60 days with a XXXX  balance and no activity on the account ; I called in customer service and requested its full credit line to be transferred to my account ending in XXXX. My account was closed and I was not advised that a {$500.00} residual credit line was left on my account ending in XXXX and not transferred to my account ending in XXXX. 
I then complained on XX/XX/XXXX by calling in and requesting the residual {$500.00} credit line to be transferred to my account ending in XXXX. After talking with a supervisor and with an agent from the credit lending team, they failed at attempting to process my request. They first reinstated my account ending in XXXX to its original {$5100.00} credit line and then tried to peform a full credit line transfer to my account ending in XXXX. However, the system made them left a {$500.00} residual credit line on the account ending in XXXX. I was eventually advised by the supervisor to wait until my next statement would close in a few days in XXXX and give it a try again. 
I did so and called in again on XX/XX/XXXX after my statement had closed. I spoke with a customer service agent, then a supervisor and a credit lending agent. The credit lending agent apologized and advised me that she could not transfer the full credit line because of how the account ending in XXXX was set up. I complained as this had nothing to do with me. The supervisor stepped in and as much as he tried to help me, he could not do so, and understood my position to escalate this issue to have a proper resolution. 
After all, my intent to have my full credit line transferred from my account ending in XXXX to my account ending in XXXX was for a good purpose : to upgrade the latter account ( a Sapphire Preferred card ) to a Sapphire Reserve card, which needs a minimum credit line of {$10000.00}. 
Unfortunately I need the full {$5100.00} credit line transfer to exceed the {$10000.00} minimum credit line needed to have my account ending in XXXX upgraded to the Sapphire Reserve card. 
I find unacceptable that the bank is unable to perform the full credit line transfer because of how the account is set up, which is responsibility of the bank and not mine. 
Moreover, I find even more puzzling that nobody at the bank can manually process my request when the system keeps preventing them from doing so with no reason at all. The agents were also puzzled as in their experience all accounts with a XXXX  balance and no activity for over 60 days could have their full credit line transferred to another account with no issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After contacting transunion regarding an inaccurate address they refused to remove from my credit report. They are reporting a address that I DO NOT RESIDE at. I have asked that they remove this inaccurate outdated information from my credit report as I do not authorize them to report any address but the address I have submitted on my drivers license.

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 2021-10-07
Company: JPMORGAN CHASE & CO.
State: MA
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:
This has to do with a timeshare we notified XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/2021 to stop doing auto pay, XXXX XXXX we removed our profile information along with our Master Card ( XXXX  ) this is their Credit Card. We notified the credit card company to not accept any charges from XXXX and to put a security lock on the account. we had a lock on the account and the charges were still going through. 
Chase XXXX XXXX was notified the day the charge was pending in XXXX for {$680.00} we were told to call back once the charge went posted which we did on XX/XX/XXXX we had to call the dispute into a phone # ( XXXX ) XXXX.On XX/XX/XXXX we were again charged for {$410.00} again on XX/XX/XXXX we once again were charged another {$410.00}. 
Chase notified XXXX XXXX to stop charging our credit card on XXXX XXXX. 
In XXXX we sent registered mail the paperwork they sent. 
On XX/XX/2021 we mailed them paperwork regarding the dispute for XXXX charges. We called to follow up on the paperwork they claimed they never received it we didn't send this registered mail. They suggested we wend the file from a chase bank by fax which we did. they removed the charges. they have since put them back on.we called Chase dispute again and were told you signed a contract they have the right to bill your Credit Card. Please send the file again we are being billed by XXXX XXXX for the charges for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Lendmark Financial Services
State: AZ
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:
XXXX XXXX, XXXX AZ. Reporting false information, sending unauthorized information to other creditors, will not speak to me why are they providing misinformation to creditors and credit bureaus, bad company, lots of bad experience from current and previous clients. 
Forced High interest increase and false late fees without notice in the mail. Loan was at {$6000.00} in 3 months {$8000.00} false reporting. Defamation of character. They blow up my phone for payments, but do not notify me for increasing fees and interest. Company is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
My complaint is with Bank of America. On XX/XX/2022 and XX/XX/2022, I attempted to send a wire transfer to my client who has a business account at Bank of America. The routing number and account number were reversed but the client 's full name and address was on the transfer. Bank of America rejected the funds and returned them to my XXXX account minus a {$45.00} fee each time. I spent a minimum of 8 hours trying to reach a representative through customer service and the wire transfer department only to be told by the 10th individual I spoke to that they charge a {$45.00} fee whenever a wire is being rejected. The reason that appeared on my bank statement is that " beneficiary could not be authenticated. '' Her full name and address were provided on the transfer, as you will see on the attached documentation and it was summarily rejected. This is a predatory practice and what is even worse, a supervisor at Bank of America told me the bank is NOT AUTHORIZED to take funds from a customer that is not with the bank. They not only lied about the practice but also told me that I should check with my bank, XXXX, as they were the ones who most likely took the fee and didn't tell me. I am out {$90.00} when the bank had the name of the recipient the whole time and said they could not authenticate the intended beneficiary. Bad practice, awful customer service and terrible, deceptive banking. If they are going to charge those fees, which are predatory, they should be transparent about the practice and are not.

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 2017-11-01
Company: U.S. BANCORP
State: ND
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:
uSBANK PUT A FORECLOSURE ON M, Y CREDIT REPORT FOR THE WRONG DOLLAR AMOUNT WHILE IN LOAN MODIFICATION WICH STOIPPED ME FROM GETTING REFINANCIMNG ]

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 2023-08-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 explanation