BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-03-09
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
i wrote letter requesting report from Experian they demand proof of a permanent address. I travel around in a motor home & do not have a permanent address... I only have a mail drop of a relative in the State of minnesota..Experian will not supply me with a copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-02
Company: JPMORGAN CHASE & CO.
State: LA
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:
Please reference complaint # XXXX. 
I made a deposit into my account, ending in # XXXX, at Chase Bank on XXXX/XXXX/XXXX in the amount of {$150.00}. This was the exact amount required to be able to close my account. After speaking with a Chase representative and making this deposit, I again ordered that my account be permanently closed, with no further transactions of any kind. 

I received a notice from Chase dated XXXX/XXXX/XXXX advising that XXXX had been paid {$30.00}. This is yet another payment by Chase from an account that I ordered closed three times. They also paid XXXX knowing there were insufficient funds in this ac- count. 

On XXXX/XXXX/XXXX I received a letter from Chase executive office acknowledging the receipt of my previous complaint. Chase advised a detailed research was being con- ducted. I received yet another letter from Chase dated XXXX/XXXX/XXXX advising that my alleged unpaid balance would be charged off and reported to XXXX XXXX XXXX. 

On XXXX/XXXX/XXXX I received yet another letter from Chase advising that a deposit of {$160.00} was required in order for my account to be closed.

Chase was paid any outstanding amounts and were advised to close this account on three seperate occasions. Yet they continue to pay from this account, without my consent, so that they can charge overdraft charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Include that their customer service would not help and take care of the negative inquiries reporting to your credit report! 

Inquiry details XXXX Inquiry from XX/XX/XXXX Utilities & Fuel Credit Tech Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Real Estate/Public Accommodations XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX from XX/XX/XXXX Credit Union XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Misc.

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 2019-09-20
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I recently sent a certified Method of verification request to Experian on XX/XX/2019. I've yet to receive a response or deletion of the inaccurate item posted on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: BBVA FINANCIAL CORPORATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I feel I was discriminated against, as this company BBVA denied my credit card request based on false information.

1. BBVA ran my credit score it was = XXXX XXXX. BBVA said I had serious delinquency ... wrong, as I have one " old '' late payment 3. BBVA said I had too many inquiries ... wrong, as I have two " hard '' inquiries.

4. BBVA said, my bank card balances are too high ... the report showed 17 % use Note : I have 5 credit card accounts, all have an exceptional payment history 6th account is a car loan, XXXX of the way paid, never missed a payment 5. It looks like this Alabama based credit card company don't want to grant credit to an educated XXXX man. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: CURO Intermediate Holdings
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Filed dispute with credit bureaus against this collection previously. At this moment the collection has exceed the Statue of Limitations allowable by the state of my residency. Recently searched for said company with XXXX  and could not find any trace. Filed report with FTC for fraudulent activities already. Please help resolved this issue. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: FIRST PORTFOLIO SERVICING INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Not my debt. 
I am not the person from whom they are attempting to collect debt and have made that abundantly clear. 

Activate Financial agents have ignored my requests 4 times to remove me from their database. 

I have mentioned to agents that they are now harassing me and that I will report them to national Do Not Call Registry. This has gone unheeded. 

Over past months, I was receiving a call every few days from company. Since telling them I will report them to Do Not Call registry, I now receive 1 call each day around XXXX to XXXX from Activate Financial XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
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 status incorrect

Complaint:
XXXX XXXX, XXXX, XXXX and XXXX reporting loan payments XXXX days late when I provide to the credit bureau proof I was in school XXXX and completed the documents to correct with each servicer. I have even filed a complaint with the omb office and no results.

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 2017-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am an international student at XXXX XXXX University. XXXX, VA. I came in XXXX XXXX for the first time in USA. I and my other friends are also having same background as international students since Fall XXXX. We all are maintaining the salary account with Bank of America, XXXX XXXX XXXX, XXXX, VA-XXXX. My all friends are given credit card for {$1000.00} and I am given for only {$900.00}. 

To increase my credit limit from {$900.00} to {$1000.00} and for actual reason for such injustice, I wasted whole days over the pathetic service of credit card helpline number XXXX XXXX XXXX and XXXX XXXX XXXX & also approached to the XXXX XXXX relationship XXXX XXXX but no proper answer is given and my credit limit is not increased. 

I am issued a credit card with lesser amount but actually I should be issued with atleast {$1000.00} as I have never made any late payments or any other credit-score harming activity. 

Bank of America. asked me to contact to XXXX and deal with them but I do n't think I have to approach to XXXX, who is XXXX for me, it is nothing, I have nothing to do with their business partners. I am customer of Bank of America so I am suppose to approach to Bank of America only for such injustice and discrimination. Despite of my several calls I am not even given the email address for filing a proper complaint and branch representative said me that he has nothing to do with credit card and he escaped this way and sent me the credit card department phone number and then did not reply to my any further email. 

Then also I have the filed few complaints and their numbers are XXXX at XXXX pm and another XXXX at XXXX pm specific standard times dated XXXX/XXXX/XXXX. But their approach seem for discarding of these complaints as they want me to either decrease my credit score by re application or to approach to their business partner XXXX. 

Additionally. I was said that though it may be fault from the bank you need to re-request for credit-limit-hike from {$900.00} to {$1000.00}, and in such scenario your credit score will be again run and it will be decreased. So they want me to decrease my credit score on their fault.

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 2017-11-02
Company: EQUIFAX, INC.
State: NC
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:
My Identity information had previously been compromised and used to open several accounts and inquires without my permission. This one of them and is a fraudulent account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX auto loan XXXX opened- XXXX I 've currently submitted an identity theft report to The Federal Trade Commission as well as disputed this account with three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: National Recoveries, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have called every week for the past two months to speak to someone about consolidating my student loan debt. It puts me on hold for up to two hours then goes to a voicemail. I leave a voicemail with my information and never receive a phone call back. I am just trying to do the right thing to set up payments for my loan but they make it impossible.

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 2021-04-18
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am hereby requesting the name and address of the original creditor, in accordance to 15 USC 1692g ( B ). Consent was not provided. No permission was given to any consumer reporting agency to have my consumer information which is a violation of USC 1681a ( 4 ) my rights to privacy. No consent by definition is identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
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:
On XXXX XXXX Equifax added a collection account XXXX XXXX XXXX which was improperly and falsely handle. Upon further research, this account was transferred/sold and I am no longer responsible for this account and never have been.Under 15 U.S. Code 1681b- Permissible purpose of consumer reports.

( a ) In General Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX XXXX XXXX never gave Equifax any written consent to report anything on my consumer report, No consent is identity theft. They have violated my rights as a comsumer and Im requesting legal action to remove this account immediately. 
In Addition they have violated the Fair Debt Collection Practices Act as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Experian Information Solutions Inc.
State: MS
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 have several inquiries on my credit report that I did not authorize. on my XXXX and Experian. 
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

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 2021-04-18
Company: AR Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be advised I requested validation of said stated debts from listed debt collector ( s ). I received a response that clearly violates my HIPPA rights.The collector ( s ) did not provide me a HIPPA release that releases my medical information to them, therefore by providing such information these companies are in violation of my HIPPA rights. Documents were received in response to a dispute asking for validation in which the listed companies have not provided me the services, charges, and cost WITH a signed HIPPA release. 
- On XX/XX/2021 I received a letter in an attempt to validate a debt from company XXXX XXXX XXXX XXXX XXXX for a alleged debt amount of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Colorado XXXX. 
XXXX XX/XX/2021 I received a letter in an attempt to validate a debt from company AR Resources , Inc. for an alleged amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, PA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I received my credit report and noticed unauthorized activity they should not be reporting on my profile. My information has hacked by a XXXX 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 2017-12-27
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I transferred {$250.00} in 2 {$50.00} transactions and 1 {$250.00} transaction on the XXXX of XXXX. Coinbase stated that the money would be available in my account on the XXXX. It still has not shown up on the XXXX even though the money has already been taken out of my bank account. In addition, customer service no longer responds when I email and their first response was inaccurate and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had this collections account come on my record : WAKEFIELD & ASSOCIATES Original creditor : XXXX XXXX XXXX XXXX {$2000.00} Balance updated XX/XX/2021 Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$2000.00} {$1600.00} Payment Info Original balance {$1600.00} Balance {$2000.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/2021 Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX I HAVE PERFECT CREDIT with EXCEPTIONAL NEVER LATE PAYMENT History. I was the victim of identity theft. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Credit Karma, LLC
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed a dispute with Credit karma, because I tried to withdraw cash from an atm, But Received No Cash or Receipt, but the Money subtracted from my balance. When I filed the dispute Credit Karma closed my Account and have not contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In spring XXXX, a hard inquiry showed up on my Equifax report from XXXX XXXX. After many phone calls, it was determined that my identity was used to open a line of credit through XXXX XXXX for XXXX XXXX XXXX purchased at XXXX. After many more phone calls, I received a letter from XXXX XXXX  saying that my identity was used fraudulently and I was able to close the XXXX XXXX account. 

Even though I have disputed the hard inquiry multiple times with Equifax, they won't remove it from my account and the PDFs they sent with the dispute results are corrupted files, so I cant open them. XXXX XXXX says that they sent a deletion request to Equifax, but as of XX/XX/XXXX the hard inquiry remains on my account. I dont know what else to try. I have proof my identity was stolen, but Equifax wont accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: AR
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:
My identity has been compromised. I tried to file my tax return and the tax professional told me that my social security had been used already to file tax returns. I had to contact IRS to take measures. I soon received a call from a collection company as well that I owed money. Everything was making sense after I found out my identity had been compromised. My name and social security have been used for quite some time now and there were several accounts that had been open under my name. These things on my credit are not mine. Please remove these things from my report. XXXX XXXX {$50000.00} XXXX  XXXX {$550.00} XXXX  XXXX {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: JPMORGAN CHASE & CO.
State: FL
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:
On XXXX XXXX I attempted to make a payment of approximately {$2800.00} to my Chase Bank Credit Card account. The deposit consisted of 4 checks along with roughly {$1000.00} in cash. Unfortunately two of the check amounts were apparently were entered incorrectly by teller. One check was for {$690.00} and incorrectly entered as {$640.00}. The other was a check for {$730.00} that was entered as {$700.00}!! I contacted Chase the same day and they ere immediately able to review payment and acknowledged checks were entered incorrectly. They assured me that correction would be made since this was clearly a bank error. I followed up with a phone call on the XXXX because I had not received a credit and much to my surprise was told a supervisor named XXXX, in the payment department that I had been misinformed and that absolutely nothing can be done since amounts have already been withdrawn from banks????? Even though one of checks in question was actually a Chase bank check .I was told only thing I can do is to go back to makers of checks and have them pay the difference. I attempted 3 times to have my concern escalated and was put on hold for over 40 minutes ( I had phone on speaker ) and no one ever picked up?? I have since found out that the one check for {$690.00} did clear for {$640.00} so I will be able to get difference from maker, the other one for {$730.00} was in fact debited from that payee 's account for the full {$730.00}, see attached statement, although Chase only credited me {$700.00}. I have expended well over four hours trying to assist Case in correcting THEIR ADMITTED PROBLEM, but to absolutely no avail. While I know the dollar amount is insignificant, the total lack of service and inability to resolve a clear mistake is. I often make payment with money orders, I can't even imagine what someone would have to do to if Chase accepted that type of check and made a similar mistake.

Company response to consumer: Closed with monetary relief