BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Here are the items that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: NJ
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CMRE FINANCIAL SERVICES Has reported a collection for {$160.00} on my XXXX report on XX/XX/2020. They violated both the California and federal executive orders to freeze medical bill collections due to Covid-19 which I am a victim of. I am also completely not aware of any medical bill for {$160.00} nor have I needed any medical assistance for many years. This does not belong to me, I have never received any documentation and finally I can not even contact the company because they are presumable closed due to Covid-19. I ask this charge be removed from my XXXX credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Truist allowed XXXX to be wired out of my account by a scammer without any authorization from me. I talked w a fraud person the other day and found out they are not federally insured for wire scams so they are saying its a XX/XX/50 chance I will get money back. I own a small buisness and this is impacting my business. Im mad and scared. I filed a police report and I am going to fbi on Friday.

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 monetary relief
Consumer complaint received 2023-06-28
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They Wasnt Supposed 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 2021-09-07
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello good day. 
My problem is that I have been with my coinbase account for several weeks. 
I have contacted them and have updated the contact information, identity card and data on the use of coinbase and it is still restricted, which prevents me from making operations with my wallet. 
I would like you to help me unblock my account and get my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-10
Company: Mr. Cooper Group Inc.
State: OR
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:
Credit collecting company has systemic failures, resulting in their systems not accepting credit payments, inaccurate reporting of payment receipts, and the inability to contact the company effectively. Company incorrectly reports missing payments. Companies electronic method for electronic processing of consumer mortgage payments has repeatedly failed. The system inaccurately reports that payments were accepted and inaccurately reports that payments were processed. Companies phone communications are unavailable and unreachable. Company did not notify consumer of missed monthly payments, by email, phone, or us mail. Company does not take effective communication action until loan is in default. Company apologies for errors, refunds late fees, and refunds charges but does not correct credit report. Companies failures have happened repeatedly has assured me problems wore corrected but processing errors have continued. Company investigated problem for weeks, resulting in additional missed payments that were submitted and reported as accepted, resulting in additional fees, fines, and negative credit reports. Company did not suggest or recommend any additional methods for processing payments. Companies actions have had deleterious affects on obtaining new credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A {$2000.00} transaction was made from my account using XXXX XXXX late XXXX XXXX.I did not authorize this transaction. I have NEVER sent money via XXXX XXXX, this is the first time in years that Ive had my account, an XXXX XXXX transaction was made. 

I contacted XXXXXXXX XXXX but bc it can from my card they directed me to contact my bank. Contacted my bank XX/XX/2020 to dispute it. 


They said the reason they closed it was because I was logged into my simple account and I recently funded my account. I fund my account when a client pays me which is often and not unusual. I did so around XXXX that day, but I was not logged in near midnight to make the transaction. Large transactions like this are not usual on my account. They then closed my dispute with no proof. When I requested proof they said they would send it but that was almost XXXX weeks ago. I have contacted them XXXX since and have heard nothing back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-15
Company: Arete Financial Group
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
$ XXXX monthly payments was originally taken by Arete Financial Freedom, then, {$250.00} and an enrollment fee of {$500.00} dollars.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-26
Company: Upstart Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Due to inflection in use of language. I feel my loan was denied based in an unspecified biased. The company continued to try to find reasons not to fund my loan. My Credit and income met the underwriting requirements. The reason given ultimately for the denial is suspect. The verbal reason was in reference to a credit report from an alternative company. The credit report used in the original qualification matched the credit report that was claimed to have disqualified me. The company refused to give me a detailed accounting on why my loan was denied in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent a police report and Identity Theft affidavit to Southwest Credit several times and they keep trying to collect on a debt that was involved in identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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: Card was charged for something you did not purchase with the card

Complaint:
there is a invalid charge on my cc which i donot recognized charged without my authorization and without my knowledge and fraudulant and cc refuses to remove this invalid fraudulant charge from my cc and continue to acumulate interest charges on this purchase and made a big debt amount on my cc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: ARVEST BANK GROUP, 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:
My lender reported negative information during a forbearance. We went through bankruptcy while on forbearance, however they keep reporting red flags and discharged through the bankruptcy court. But we still have the loan and we have been on forbearance since XX/XX/2020. Filed bankruptcy in XXXX of 2020, discharged in XXXX of 2020. The lender keeps saying it was written off. They didnt let us submit a reaffirmation because they never sent in the proper paper to our lawyer. We had to get discharged with out the lender. Now we have been in forbearance up until now. Can they report negative information on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: Experian Information Solutions 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:
There are 2 inquiries on my credit report XX/XX/XXXX and XX/XX/XXXX from XXXX on my Experian credit report. I would like 1 removed as I only authorized 1 pull.

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 2018-03-02
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While trying to refinance my home with XXXX XXXX  my credit report reflected I had several debts amounting to {$16000.00} with XXXX XXXX. I did not recognize that debt nor had I received any notices from IC Systems ( collection company ) regarding these amounts. XXXX bank representative called IC Systems trying to clarify this matter but they ended up giving us the phone number of a local hotel instead. I was able to get proof from the hospital that I did not owe anything to them and that they had not sent me to collection either. The hospital representative also called IC Systems to explain the situation buy they said to call in a while. I have called them again but can not get a definitive answer because they say they are disputing with the hospital and they can not give me proof that I do not owe anything. Meanwhile my credit is messed up and can not go forward with my 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 explanation
Consumer complaint received 2020-12-10
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/20 I paid my mortgage with XXXX, loan number XXXX. On XX/XX/20 XXXX  mail me a letter saying I would receive my over payment in ten business days. As of today, 20 business days later, I have not received my refund of {$860.00}. When I have talked to them, by phone, they have blamed the reason for not receiving my refund of over paid principle on the mail and the letter XXXX sent was not accurate and should not have been sent. When XXXX is collecting payments from the consumer the mail is not an acceptable excuse for not getting my payment to XXXX on.

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 2019-11-25
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:
THERE ARE TWO ACCOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I DISCOVERED THEM TODAY XX/XX/19 WHEN I WAS DENIED FROM OPENING A CREDIT CARD AT XXXX. NEITHER OF THOSE ACCOUNTS BELONGS TO ME AND I DID NOT ALLOW ANYONE TO OPEN THOSE ACCOUNTS IN MY NAME. I DID NOT BENEFIT ANYTHING FROM THOSE ACCOUNTS SUCH AS MONEY, GOODS OR ANY OTHER BENEFIT AND I HAVE NEVER HAD ANY WRITTEN/VERBAL CONTRACT WITH ANY OF THESE COMPANIES. I BELIEVE THAT THESE ACCOUNTS WERE OPENED BY A PERSON NAMED XXXX XXXX XXXX ; I HAVE NO RELATIONSHIP WITH THAT PERSONA AND I NEVER GAVE HIM/HER PERMISSION TO OPEN THESE ACCOUNTS USING MY PERSONAL INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
This account was never late. I have always paid on time, not sure due to covid the system made an error. My account should be reporting current never late. I am responsible and pay all my debts on time, this is really affecting 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 2018-03-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX, I received a quickpay with XXXX for XXXX that was deemed part of my " available balance. '' Later that day, I issued a quickpay with XXXX to another Chase Account in the amount of XXXX. 
The next day - XX/XX/XXXX, Chase informed me that the outgoing quickpay was returned, with a XXXX returned item fee. They explained the cut-off time scam in detail relative to my incoming and outgoing quickpays. I asked if I needed to resend the quickpay. One customer service agent, plus a manager, informed me that I needed to resend it. So I did. 
XX/XX/XXXX, I received an overdraft charge of XXXX based on the second quickpay, because the first quickpay was not returned afterall. 
On XX/XX/XXXX, I received a XXXX credit for the erroneous resending of the XXXX quickpay. 
On XX/XX/XXXX, I noticed that the original XXXX plus the additional XXXX were deducted and previous daily transactions were reordered chronologically to show they posted after the second XXXX was deducted, and 3 more XXXX overdraft fees were imposed. I called Chase and they said my " courtesy refund of fees '' were exhausted for the 12 month period and there would be no means of recourse, despite their instructing me that the initial XXXX was returned and needed to be resent. This is ridiculous. I don't care about the fees. I care about the intent behind their disinformation and subsequent maximized profiting based on their knowingly false information and instructions. I fully understand the cut-off time between different banks, and happy to eat XXXX for it ... But they have admitted the error, refunded a fee based on that, and found a way to earn an additional XXXX based on the same transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
When I bought a puppy from XXXX in XXXX, NY, I was told that the monthly payment would be XXXX per month. The purchase was made on XXXX XXXX, 2017. I received my first bill in XXXX. It was for XXXX. 
I spoke to debt collectors on the phone and wrote letters explaining that I could not pay the full amount. In the meantime I paid what I could. The interest kept increasing, and XXXX XXXX kept asking for more and more each month. 
Then, the phone calls every day. Repetitious phone calls. At first I answered and spoke with the debt collectors. Then, I realized that it was useless to discuss it on the phone because they demanded a large payment. 
Still the harassing calls have continued. I wish that they would cease. I want to pay on what is owed through the mail. I am sorry that the full amount won't be paid within the time that XXXX XXXX wants, but I intend to pay it in full. 
I am very happy with the dog and want to pay for her. I just can't make large payments. Now they are asking for a very large amount, which I do not have. I am a senior citizen and semi-retired. I live on a very low income. 
If you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I owe ace cash {$300.00} for a payday loan. 
Due to financial difficulties I was unable to pay. I explained this to them. Now Im receiving threatening calls telling me they are filing to the court and making this public. Also that they will go to my workplace and speak to my supervisor. They told me they will sue me for over {$3000.00}. This is very stressful I have no money in my bank account to pay. I asked for a month extension they said no because {$300.00} is not a lot. And they will not wait another month to file this. They told me good luck in court.

Company response to consumer: Closed with explanation