BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: CO
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX, CO XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, CO XXXX 3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CO XXXX 5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Westlake Services, LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
A payment for XXXX that the Westlake Financial commando took from my account on XXXX XXXX, 2017, has not been accredited, I have written emails, without receiving any response to my request to credit the  missing money, I have called and they just tell me that in the next week they will credit it and nothing happens, I do not receive an answer, 6 months ago, and they charge me excessive interest charges, it is not the first time and two more payments have not been accepted, but those were solved, but This payment is pending. My initial credit was {$18000.00}, I paid {$8900.00} in one year and only {$4000.00} has been credited to my account. I think it 's an abuse on the part of this financier. I hope you can help me, thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a credit card through XXXX XXXX ( Barclays Bank ). Last XX/XX/XXXX there was a credit balance on the account. There was an automatic {$8.00} charge from XXXX and then then XXXX XXXX charged {$180.00} for the " annual charge ''. I was in the hospital and received no emails, no paper bills etc. Then I get an email in XX/XX/XXXX saying that my account is being closed and I was reported to the credit bureau. When I found out, I paid the full amount but the account was still closed and they kept the annual fee. I called and complained and was basically told that was their policy. That is completely wrong. I would not have authorized a {$180.00} dollar annual fee and asked them to close the account as it is not worth it. They will not take it off my credit report and have {$180.00} for a credit card that I don't even have. That is stealing in my view.

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 2019-08-26
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 recently applied for a line of credit with a local department store and was denied. After being denied I pulled a copy of my credit report to see what was on it found several account that need to be removed because they are not mine. The accounts are XXXX, XXXX XXXX XXXX, XXXX. XXXX, XXXX, and one with just an account number and no name, acct # XXXX. There are also numerous inquiries as well : EQUIFAX MORT EQUIFAX MORTGAGE SERVI 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 XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX EQUIFAX MTG EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 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 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 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 THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Credit Systems International, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A collections account appeared on my credit report for {$940.00} with CREDIT SYSTEMS INTERNATIONAL. The original creditor is XXXX XXXX XXXX. This is a fraudulent account as a result of identity theft. I filed a dispute with XXXX who flagged the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Luckmore Finance
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Luckmore Finance XXXX advised I was discriminated against for not having sufficient credit and my collateral was not new enough on the phone. When I receive an advise letter they mentioned information I was not disclosed of. The letter indicated I was discriminated against because they couldnt verify employment. They did not ask me to send anything to verify employment, I did provide my employers number. If anyone calls my employer to verify employment they are transferred to the appropriate department ( I have transferred others that has called to verify a peers employment with us to that department ). They also mentioned other reasons in which they did not advise me of when in fact I did ask for the reasoning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: KEYCORP
State: WA
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 fraudulent demand draft was authorized without my permission or knowledge and withdrawn from my Key Bank account on XX/XX/XXXX. I noticed and reported this fraud to the bank within the week. On XX/XX/XXXX I filed a police report and supplied this information to the bank. 

To this point, XX/XX/XXXX, I have received no further communication from the bank and the funds have not been returned to me, despite over three weeks having elapsed from the point when I supplied the requested police report. I have tried calling the fraud hotline to get an update on where my case stands but have not been able to outwait the hold time to speak to a person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Coinbase, Inc.
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Coinbase is a online stock trading application, that evolves around etherum, lite coin, and bitcoin trading. I deposited about {$320.00} Onto the website to buy bitcoin currency. The currency once purchased, I withdrew to put the amount I earned into the companies holding account to deposit into my bank account. The amount on that account was a residual {$300.00}. So I have lost about {$17.00}. The amount I had for bitcoin was {$2.00}, etherum was {$.00}, and litecoin was {$.00}. I have emailed the company around 25 times within the past 2 months to return the valued currency to my bank account after 5 failed attempts of the company sending verification charges to my banks savings and checking accounts. The frustrating part was, each email sent was ignored, and every phone call they received from me, was immiedietely sent back to the prerecording message stating to further get in contact with them, submit a request and send them an email online. With the end of the second month of no reply, my account apparently glitched up and lost all the currency held upon it. I signed into the account, and it told me that it didnt recognize my device. So I changed the password to the account, reauthorized my phone with a sms code sent to my phone via text message, then it wanted me to repeat the process. That I did, and got a message stating to many login attempts. So I fell asleep, woke up the next day, and all the funds were gone. No funds in each currency, or even in the holding account. The main question I have, is if our funds are backed by the FDIC to fully show that our losses arent gone by just being in a holding account. Why is it that I couldnt fully withdraw all my funds from every currency, and withdraw all the funds from my holding account, and deposit into my bank, but some random reason all my currency disapears within 2 hours. Seems fishy that the company is probably holding my funds without me knowing of the location. If more information is needed, I can provide bank statements of the deposits, and that no money being sent to my account. I only use XXXX and bank. But my bank is still not authorized with their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: ALLY FINANCIAL INC.
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
This is a response to XXXX. Still working on it? They should have taken care of this three weeks ago. Once I notified them that they did not process my bonus on XX/XX/XXXX that they said they would pay me when I opened the account in XXXX, they should have simply processed the bonus. How long should that take? Additional punitive damages should be assessed.

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 2017-12-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Something has happened to my account. 
On XXXX XXXX, I lost my purse, which included my phone and my wallet. I contacted the bank on the to cancel my account. Since I no longer had a job anyways, I decided I would n't be opening another account. I was going to have to make arrangements for my checking account because it was over drawn. I was advised that I would need to visit a branch to do that, and at that time I closed out my savings account as well. I no longer have access to the accounts online and no one will answer any of my questions on the phone as to : A ) Why and how both accounts are right at or more than {$500000.00} overdrawn B ) Why did I get a statement on XXXX XXXX advising me that they were closing out all XXXX of my accounts. 

I do n't know what has happened or how any of this has happened, and now I 'm running into problems verifying my identy online with ANYTHING XXXX XXXX  XXXX, even the XXXX XXXX Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX, XXXX, I sent a certified letter to all three credit bureaus inquiring about a debt that is listed on my credit report. The amount was approximately {$6200.00} from XXXX for an apartment complex. I was n't aware of it until I was denied residency at an upscale apartment housing complex. I received a response from the bureaus that redirected me to National Credit Solutions. 

On XXXX XXXX, XXXX, I sent a certified letter to NCS. Per the certified XXXX tracking notification, the letter correspondence was received by NCS on XXXX XXXX, XXXX at XXXX. After not receiving a response, I sent a second certified letter on XXXX XXXX, XXXX. According to XXXX tracking, the letter was received on XXXX XXXX, XXXX. To date, I have not received a response. In both letters, I asked for verification of the debt. I am very frustrated that I am not getting a response from this company. I am requesting this item be removed from my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: TD BANK US HOLDING COMPANY
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Account # XXXX XXXX I opened the credit card at the cash register. I felt bad for the cashier because the supervisor was telling the cashier he had to sign up more customers for credit cards. So I said I would sign up thinking I would put my purchase and cancel it in 6 months. I might visit XXXX once or twice a year. I completely forgot about it and two months later I checked the paperwork the cashier gave me and it was all black. I believe because of the heat transfer of the paper. I never got a credit card or a bill. Finally three months later I received a bill and no credit card. I called and the call went to their collection department. I told them that I have n't received anything until now. I agreed to pay what I owed and the interest to that point. I told them I wanted to talk with someone from XXXX. I did n't think it was fair that I had 3 months of fees and wanted to talk to someone. I repeatedly asked to talk to someone in charge. I was on the phone and on hold for almost an hour. They said if I made the payment they will have a supervisor call me once the payment cleared. I asked why did n't they think to call if someone never activated the card. They did n't care. I asked would n't that throw up a red flag. I agreed to pay off what I owed plus interest but wanted to talk to a supervisor. They agreed and I made the payment. I asked them to close the account. Months passed I only received one of the bills and no phone calls. I called and tried to talk to them and the account was n't closed. She closed the account and said I was on the hook for everything. They would wave one payment if I made the back payment. I agreed that I will pay the first three months of fees to end the nightmare. Then the rep said I would still have to pay all the other fees. I did n't agree with that. I said that I would file a complaint if they did n't try to work with this situation. They said that nothing could be done. Had I closed months ago they would still charge the high late fee and report every month until I paid everything. You could not do anything because you agreed to have our credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
-Made final payment on XX/XX/18. 
-Account is now - ( {$67.00} ) and being charged interest on that. 
-Notified Navient and received no correction. 
-Requested letter of stating loan was paid in full ; received nothing. 
-Disputed credit report through XXXX and XXXX for account accuracy. 
-Navient marked loan on credit report as " Closed '' which dropped my score. 
-Have screenshots of payment history showing a {$0.00} balance. Also have screenshots of account with negative balance and interest being charged on that surplus of funds for a paid off loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EOS Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've been trying to get this resolved with this horrible, immoral collection agency ALL YEAR! Their collection tactics are deceitful. They just buy alleged debt for pennies on the dollar to turn a profit. Despicable! They have placed a collection on my credit profiles claiming that I owe {$360.00} to XXXX. Ive never had an account with XXXX. I've always had XXXX XXXX. I have reached out to this company 4 times between XXXX and XXXX of 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Credit Control, LLC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received repeated phone calls multiple times per day from this company. When I accept the call, no one speaks and they end the call. 

This has happened on the following dates at the following times : XX/XX/21 : XXXX XX/XX/21 : XXXX XX/XX/21 : XXXX XX/XX/21 : XXXX XX/XX/21 : XXXX XX/XX/21 : XXXX XX/XX/21 : XXXX I feel harassed at this point with the constant calling and hang ups. According to 15 USC 1692d under Harassment or Abuse, a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Subsection 5 specifically states causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2022-12-23
Company: Next Level Finance Partners  LLC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Good morning sir/ma, I am XXXX XXXX XXXX XXXX on early XXXX I had in mind to apply for a loan which I chose NEW CREDIT during my filling of the form getting to ( terms and conditions ) to access the amount of money needed I decided not to continue the form no money was indicated that I need/ account number to send the money to, after some months NEW CREDIT has been sending me messages that I am owning why I didn't continue with the deals or collect any money from them ... please call them inorder because since then they keep on disturbing me for no XXXX and keep accommodating money till date..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: NY
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 XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, 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:
To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: CBC Companies, Inc.
State: IL
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:
I continue to go back and forth with the credit reporting agencies regarding these accounts that don't belong to me. Was told to submit my information to the CFPB for assistance. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: M&T BANK CORPORATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was discriminated against when I went inside of m & t branch denied credit without even providing information then I was denied my right to credit when I called on the phone with m & t bank they have called but have not solved the problem yet

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 2022-12-20
Company: EQUIFAX, INC.
State: SC
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DEPT OF EDXXXX XXXX Balance : {$3100.00} DEPT OF EDXXXX XXXX Balance : {$1600.00}

Company response to consumer: Closed with explanation