BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: Credit Karma, LLC
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I am subscribing to Credit Karma, keeping me updated on my credit score, and they suggest things that I can do, or cards that I can apply for to help me reduce my debt, and or raise my credit score.

I have applied for these card that Credit Karma suggest. I have applied for many of the suggested cards, and have been " DECLINED ''. My credit score drops each time I have an inquiry about me applying for a new card. Credit karma always says in its emails, that I have a very high chances of being approved. I am always denied. 
In the denial letter that I get from the potential credit card company, they indicate the reason for unable to approve me for credit is too many inquiries for credit. 

Now recently I am receiving emails from Credit Karma sending me credit cards to apply for, now promise to pay me {$50.00} if I am turned down! This tactics are ridiculous, and unfair.

I don't like these tactics because it is not helping me, its hurting me, causing me mental distress... very wrong and disappointing! I am working hard to improve my circumstances, and I am falling even further. Credit Karma also suggest getting a loan will help to improve my credit score! I have got a small loan, and pay it on time. when I pay off the loan, it shows the account was closed, not paid off. that hurts me too! a closed account is bad for my credit score! I have had 2 loans that I paid off in less than 10 months. the Paid off loans show closed accounts, that lowers my credit score. i am very upset, because the paid off loans should show a favorable mark in my attempts to pay timely, and should increase my credit score. it does NOT! My credit history does not show having any payment history at all!! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: MO
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 was a fraudulent bank account and credit card opened in my name at XXXX XXXX XXXXXXXX. The debt on these is several XXXX dollars. I made a police report. I froze my accounts and my credit. I called XXXX XXXX  XXXX easily 50 times over a matter of months after it happened in, I believe, late XXXX. Then in XXXX when I was trying to buy a house I found out it was still on my report. So I went through the process again. I disupted the report on every single credit reporting agency. I filled out a report for fraud and to the Attorney General. I sent all the information I had to credit bureaus and the fraud form I filled out. I mailed requests through usps to the credit bureaus and to XXXX XXXX XXXXXXXX. I have done everything I possibly can to get this taken care. Last resort is getting a lawyer which I really don't want to do. XXXX XXXX XXXXXXXX told me they verified the account was fraud but yet they refuse to close the report and remove it from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Diversified Adjustment Service, Inc.
State: SC
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:
I received a letter from Diversified Adjustments a few months ago stating that they took over a debt that I had and to notify them within 30 days for either validation or to make payment arrangements. I immediately took action upon receipt of their letter, and sent them a debt validation letter via certified mail for them to provide more information about this alleged debt. I have receipts showing that my letter was signed for and received by this company. It has been well over 30 days with no response received back from them so I assumed they couldnt verify. However, today, I received an alert on XXXX that they have now flagged my account for collections when they have not provided me any proof for this. I believe this is a total violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: ROBINHOOD MARKETS INC.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
In XX/XX/2021, XXXX XXXX stock ( XXXX XXXX ) experienced a short-squeeze in which it increased in its value exponentially. I had shares in XXXX  XXXX  and Robinhood halted trading for XXXX stock to which I was not allowed to sell my positions ( and therefore make money ). 

This was a scam on Robinhood 's behalf because they falsely-advertised that their users are able to make money through buying and selling stock, but on the opportunity where I could have made a lot of money, I was locked out of selling my positions until the XXXX stock price went back down. This is illegal. Robinhood convinces people to open an account with them but misleads them into thinking they are protecting their users from market volatility when something like this happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: EQUIFAX, INC.
State: CA
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  account : XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I purchased a money order to send to my friends In XXXX XXXX Arizona on XX/XX/20. They never got it. i contacted the company 3 times and never got a responce. I have copys of the docs I sent them. it was XXXX. It has cost me not only the money but my friends as well. they don't believe the money was ever sent. This has been over a year now and I am on XXXX disablity and only get XXXX a month so I have no extra money to send them. I hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: Bread Financial Holdings, Inc.
State: MS
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:
I have sent a letter to all 4credit bureaus and XXXX, stating this debt has been paid in full since 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Chase refuses to reverse fees and follow their own processes and procedures. I should not have to call the bank and inquire daily if I have charges that I can not see on my account, pending or posted. I was charged the NSF fee from a XXXX 's When I called the bank, I was told the fee was based on charges from XX/XX/XXXX. However, when I checked my account there are no charges from XXXX on XX/XX/XXXX. If they were honest about when the fee posted, which was XX/XX/XXXX, they would have to acknowledge the fee posted THE SAME DAY AS THE XXXX charge posted. They would have acknowledge that was not sufficient time to resolve prior to incurring the nsf fee. That was the advise from XXXX, to " monitor my account daily ''. And since there are NO CHARGES, even now, showing on my account for XX/XX/XXXX from XXXX, pending or posted, how is it that I have NSF fees based on charges from XXXX? Since Chase says they operate on " real time '' I should have been sent an alert on XX/XX/XXXX and the charges should have shown " pending '' until it fully posted on XX/XX/XXXX. If the XXXX 's charges showed pending on XX/XX/XXXX, then monitoring the account daily would have helped. But that is not the case - NO CHARGES FROM XXXX EVER APPEARED ON MY ACCOUNT. And if I were monitoring my account daily, there would have been NOTHING TO SEE because there were no PENDING OR POSTED charges ever for XX/XX/XXXX from XXXX. For XX/XX/XXXX, there were never charges showing, no charges pending, no alert was sent about as I have scheduled. If I had been monitoring my account daily, I would have seen NOTHING, so that would not have helped me. Yet, I am being charged {$34.00} for not knowing about it and never allowed the opportunity to resolve prior to incurring the fee. As a result of Chase 's actions, the charges and nsf fee appear on my account on the SAME DAY, in which case, even with monitoring, there was never an opportunity to resolve. 

I was advised previously by Chase employees via phone the following : 1. ATM deposits of cash made the same day will be effective on that day. 

I made an ATM deposit at XXXX XXXX after work, the SAME DAY of a charge from XXXX that was pending. Chase refuses to acknowledge it because it was made after their imaginary " cutoff '', of XXXX XXXX and I live in XXXX XXXX. The average reasonable person, understands " same day '' means prior to midnight, and in their own time zone ( mine is Central ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-13
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/XXXX XXXX tried to withdraw {$800.00} from my account, Wells Fargo declined the payment for insufficient funds. Many attempts were made to withdraw these funds. 
After many more attempts were made, an associate for the Wells Fargo decided to let me know I am a divorced woman and I was given a last chance checking account, which means My account has many limits which has been on the account since opening in XXXX. 
The amount for any withdrawals can not exceed {$500.00}. 
On XX/XX/XXXX Wells Fargo charged {$35.00}. for overdraft fee which Wells Fargo forced to happen, plus refusing to pay because over limits on the account! 
With this last chance checking account Wells Fargo holds all transactions until their system makes a decision wether to pay said transaction. This causes my account to back up with so many transactions I can not make out what Wells Fargo is doing, they seem to have a lag time on last chance accounts. 

I have proven to myself I AM A DIVORCED WOMAN AND I CAN TAKE CARE OF my credit score, my recent vehicle purchase and two new credit cards all with absolutely No help from Wells Fargo!

Wells Fargo refused to allow a one time limit increase on my debit to allow the down payment to go through, that was when I was told, since I am a divorced woman, I was given an account with very limited access! 
Now my new vehicle I just purchased is in danger of being repossessed because Wells Fargo has decided to discriminate against a divorced woman. I have four direct deposits going into my Wells Fargo account and that has been set that way since opening the account.

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 2019-07-29
Company: EQUIFAX, INC.
State: CO
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:
I recwntly purchused a XXXX XXXX XXXX from XXXX XXXX XXXX XXXXXXXX in XXXX XXXX Colorado. I am a fist time car buyer so I used their in house finance company " XXXX XXXX ''. Upon sighing my contact I was bound to pay off the loan on time and in its entirety, XXXX is contractually bound to report payments to the two major credit agency 's, XXXX  and Equifax. This loan was opened on XX/XX/2019 and only one payment so far has been reported on XX/XX/2019 and only to one credit agency even though I have made all of my payments on time via credit card. I have tried to address the issue with XXXX   but every-time I try I am met with unprofessional conduct and employees literally laughing at me on the phone. I am filing this complaint along with one to the  American XXXX so I can begin litigation if these credit issues are not resolved. I believe XXXX is profiling me as a young buyer, not reporting my payments and crushing me with a predatory APR in an attempt to keep me in the exact financial position I was in when I came to them, thus forcing me into another lemon at another predatory interest rate. I have held up my end of the contract by making every single one of my payments on time, XXXX needs to hold up their end of the contract. They say they report monthly but my credit report which has not seen a good payment since XX/XX/2019 tells a different story.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TRANSUNION HAS RESET MY CREDIT REPORT AND REVERSE THE ACCOUNTS THAT ARE CLOSED UNDER MY NAME AND PUT THEM BACK AS A OPEN ACCOUNT AND USED A OLD DATA BACK ON XX/XX/2023 THESE ACCOUNT THAT WERE CHANGE FROM CLOSED TO OPEN AS OF XX/XX/2023 XXXX XXXX DISPUTE THIS AS FRAUDLENT ACCOUNTS THIS ACCOUNT IS CLOSED NOT OPEN XXXX XXXX BALANCE {$390.00} THIS ACCOUNT CLOSED WITH A XXXX BALANCE PLEASE DISPUTE IT AS A PAID OFF ACCOUNT XXXX XXXXXXXX XXXX DISPUTE THIS AS A CLOSED ACCOUNT WITH A XXXX BALANCE {$0.00} THIS ACCOUNT WAS CLOSED A MONTH AGO CURRENT XXXX BALANCE {$32.00} THIS ACCOUNT IS CLOSED AS XXXX BALANCE DISPUTE THIS XXXXXXXX XXXX XXXXXXXX XXXX THIS ACCOUNT IS FRAUD PLEASE DISPUTE AND BLOCK THESE ACCOUNT I didnt not request for these disputes to be cancelled the rep over the phone messed up

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 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
I recwntly purchused a XXXX XXXX XXXX from XXXXXXXX XXXX  XXXX XXXX in XXXXXXXX XXXX Colorado. I am a fist time car buyer so I used their in house finance company " XXXX XXXX ''. Upon sighing my contact I was bound to pay off the loan on time and in its entirety, Independent is contractually bound to report payments to the two major credit agency 's, Transunion and XXXX. This loan was opened on XX/XX/XXXX and only one payment so far has been reported on XX/XX/XXXX and only to one credit agency even though I have made all of my payments on time via credit card. I have tried to address the issue with Independent but every-time I try I am met with unprofessional conduct and employees literally laughing at me on the phone. I am filing this complaint along with one to the American XXXX  so I can begin litigation if these credit issues are not resolved. I believe Independent is profiling me as a young buyer, not reporting my payments and crushing me with a predatory APR in an attempt to keep me in the exact financial position I was in when I came to them, thus forcing me into another lemon at another predatory interest rate. I have held up my end of the contract by making every single one of my payments on time, XXXX needs to hold up their end of the contract. They say they report monthly but my credit report which has not seen a good payment since XX/XX/XXXX tells a different story.

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 2019-01-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In 2012 there was a XXXX card opened under my name which I never authorized. I had been asking XXXX to remove this card from my credit report and close the account as it was not me yet they have refused to do so. The account is still showing under my credit report as a charge-off when I never authorized them to open an account in the first place. I would like this account fixed and removed from my credit as it is causing problems and negative remarks under 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 2019-01-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX {$4100.00} XXXX  {$5100.00}

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 2017-10-25
Company: EQUIFAX, INC.
State: OK
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 keeps showing late pays although the information is not verified and they do not show the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked again my credit report and found that some of the data were still incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

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 2023-11-21
Company: Winklevoss Exchange LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I invested in a product that was advertised as an extremely safe, XXXX USD-backed USD equivalent Ethereum token created by the Gemini XXXX and regulated by the most strict NYDFS. This product was advertised as an interest-bearing product and, " redeemable for USD at anytime. '' However, it has been over one year since I requested the exchange of my GUSD into USD and it still has not been provided to me as promised. This exchange is still in business making profits off of similar business practices that we have now come to know as fraudulent. Had I known that XXXX was not backed XXXX, or that Gemini converted XXXX deposited into the Earn program into some other risky asset, I would not have used their services. Had I known they were lending their assets to only one entity, I would not have used their services. None of these risks were made clear at any point when using their services. 

They literally invented XXXX themselves, advertised it's equivalency with the US Dollar, boasted about the regulatory clarity, bragged about it's security and traceability, but then proceeded to LOSE ALL OF IT! Where is the XXXX now, how could it disappear if it is traceable? The questions and answers are obvious : THIS IS BLATANT THEFT AND FRAUD! 

Customer 's have killed themselves, customer 's have been without their funds for over a year. Many of these customers had a lifetime 's worth of savings invested in this " US Dollar Equivalent. '' Gemini has provided meaningless communication updates every month or so since the fraud they conducted in 2022. These updates are absolutely empty of any substance and yet it is this very empty communication that seems to satisfy the CFPB enough to close all the complaints related to this? 

IT IS AN ABSOLUTE TRAVESTY WE ARE NOT PROTECTED FROM THESE BAD ACTORS. GEMINI IS STILL CONDUCTING BUSINESS LIKE NOTHING HAPPENED. IT IS SOUL-CRUSHING AND FINANCIALLY DEBILITATING TO BE A PART OF THIS CLASS OF VICTIMS WHO HAVE BEEN UNWHOLE FOR OVER A YEAR! 

THE CFPB NEEDS TO DO SOMETHING TO RETURN OUR FUNDS ASAP! PLEASE!

Company response to consumer: Closed with explanation