BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXXXXXX Balance Owed : {$230.00} XXXX XXXXXXXX Balance Owed : {$2800.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a {$850.00} tenant deposit refund. I mobile deposited it into my checking account with Chase on XX/XX/2022. I was given an availability date, as that date rolled around my entire account was not working. My funds were frozen and about a month later or so, the account was closed. The funds still will not be released to me. According to the bank, they will not release the funds until the maker of the check will verify the check by a phone number with the company. Every phone number I have given the bank does not work for verification. The manager of the company went into our local branch and nothing she said/did or any of the numbers she had for the company would verify it through the system chase is using. I have been given multiple different answers on other ways to verify it but then the next person will say no so it wont work. I have called various times, the manager has done everything possible she can, chase still tells me they will not release the funds to me. This is a bill pay check, that now has changed company/management. The money is already out of the companies bank account and the check id cashed so Im not able to take it elsewhere, either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent XXXX USD to Coinbase via a wire transfer on XX/XX/XXXX. I have not received it not has it been returned. I have opened tickets and called them, but they have given me the run around. This is scam behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX Addressesshow tooltip buttonSelect as many as apply XXXX XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY Select a Reason XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be proces

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: SECURITY FINANCE CORP
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XX/XX/XXXX and XX/XX/XXXX I didn't give them permission to run a hard credit check. I contacted there head quarters spoke to two people who told me they don't know why they would do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
All my Credit Cards and Atm Cards do not work with 10 seperate merchants all credidiited the Purchase back to the Card My average monthly card speniding {$150.00} a month then begining XXXX 2023 i made a {$1600.00} purchase at XXXX XXXX then the Same Day XXXX XXXX denied my purchase and my Credit Card said contact Wells Fargo Bank to remove the Hold then Wells Fargo Remove the Hold then 10 seperate purchases all creditid back to the Card My Rent and Utlities are all Auto Pay what if they decline it all My Case Bank Credit Card purchases are all credited Back If 10 years 100 % all merchents aprove my purchase then Wells Fargo Puts a Hold on my credit card and removes the Hold then if 10 years all merchents deny all puchase and credit them Back to the Card is not the banks responsability the Bank will 100 % only say contact 1000 merchents that all deny the card Im XXXX collecting Social Security XXXX and due to my XXXX i cant go outside and if 100 % all merchents deny all my online purchse are 100 % not usable to the XXXX Wells Fargo executive complignt number XXXX Your order was authorizing with your bank successfully, but then being declined by our payment security software. Unfortunately the payment security software is not giving me a definitive reason as to why this is occurring. In this case, we usually suggest customers to use a different card.

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 2023-12-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 


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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had closed my Discover card account. Now I have a lot of credits coming to my account from merchants for returning merchandises, I paid for with Discover card. I gave a specific instructions to have all my credits to be deposited directly to my checking. For 3 weeks I've sent numerous emails to XXXX XXXX XXXX, one of the executives, reporting the problem getting those credits deposited to my checking account and the problem hasn't been resolved. The person, who was assigned to my case, XXXX, didn't return any of my phone calls. When I opened my account file on the website, I saw credit for {$220.00} posted on XXXX and when I called Discover, they didn't have that transaction on their records. Also on the same day I had {$1300.00} deposited to my checking account and then taken back and nobody could explain to me where the money came from, why it was deposited and then taken back and now I ended up having a balance I have to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-04
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Go payday advance for {$580.00},. In XXXX, Texas. They close down when I was still paying in person. The next time it reopen I was told since I didn't pay it when to a collection agency. And I had to pay for their fees. I was never given a written notice or a call where to pay. I'm also getting threatened that I got a warranty for my arrest for check fraud XXXX,. When I call the guy would not give me his Street Address, state license, he just accused me of call him and he left messages with my parents in Arizona tell them to call them and leaving the phone number : XXXX. And ask for Case number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have submitted letters to all three credit bureaus, XXXX, Experian and XXXX asking that they update my name, address and place of employment that is reflected on my consumers report. I have submitted letters to all three credit bureaus multiple times. The first set of letters were submitted XX/XX/XXXX, the second set were submitted XX/XX/XXXX and the third set were submitted XX/XX/XXXX. The bureaus are continuing to report false inaccurate information.

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 2021-12-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
After noticing an account on my consumer file, I immediately mailed a notice under 15 U.S. Code 1692g - Validation of debts. ( A ) to ensure that the amounts were accurate. After receiving a notice saying Account Validated, I mailed a notice via Certified mail for Re-Investigation under 15 U.S. Code 1681i - Procedure in case of disputed accuracy 1 ( A ), After XXXX  days and not hearing anything back, On XXXX XXXX XXXX, I received a notice from a consumer reporting agency that a charge off for the same account appeared on my consumer file whilst the validity & procedures was being re-investigated in direct violation of federal compliance laws. To escape verifying it appears the alleged creditor has attempted to charge off this account 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 2018-03-05
Company: Experian Information Solutions Inc.
State: AL
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:
Showing an account by the name of XXXX XXXX which has been settled and should Be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting 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 am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My information was used to apply for credit cards in my name in XX/XX/2022 fraudulent activity

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 2022-10-24
Company: Experian Information Solutions 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:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-03-21
Company: PORTFOLIO RECOVERY ASSOCIATES 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 sent a letter to Portfolio Recovery Associates on XX/XX/XXXX and XX/XX/XXXX. 

Here are my tracking numbers XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX said they completed the investigation and everything was 100 % accurate.

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to?

How did they complete this investigation? 

I also sent letters to XXXX, XXXX, and XXXX regarding the same 2 accounts on XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Advance America, Cash Advance Centers, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I live in XXXX, Ohio. On XX/XX/XXXX, I got an online 6 month loan from Advance America and found out that the interest I am being charged 332.78 % APR. My understanding is that they now must lower their rate to 26 % APR. I would like them to follow the new laws here in Ohio that were enacted in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
On XX/XX/XXXX, I enrolled into Victoria Secret ( Comenity Bank ( Now Beard Financial ) hardship program due to a financial hardship. Once I enrolled in this program my account past due balance was brought to current and the account remain open and active. The active hardship on my account was scheduled to end in XX/XX/XXXX. 

In XX/XX/XXXX, I notice that XXXX reported my Victoria Secret account closed on XX/XX/XXXX. In which was inaccurate because I made all my payments on time and the account was still active. Over the past months, I have confirmed with Victoria Secret that my account was active, and payments were applied accurately each month. However, from XX/XX/XXXX to today I have repeatedly contacted XXXX, sent them letter to provide proof, as well as completed online disputes and they refused to update my credit report to reflect the accurate account status. This negative reporting has affected my credit reporting and credit score tremendously and they refuse to help me each time I call them. I have advised them this account was never closed and to update my account to show this credit card is still open. 

As of today XX/XX/XXXX, I have paid the total balance off and the credit card is still open and active. If I wanted to, I could use the card in any Victoria Secret or XXXX XXXX XXXX XXXX store with no issues. I contacted XXXX today and spoke with a representative regarding this ongoing issue. The representative gave me the same run around and said the account was closed and the information being reported was correct. This is not true and not accurate. This is very frustrating and time consuming because my account is open and fine with the creditor but the credit bureau refuses to do their job to fix their mistake. Please help me resolve this issue and fix my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: DISCOVER BANK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Discover is denying my application over the phone & an agent told me Im welcome to keep trying but most likely if it denies first time itll keep denying .. now Im confused as to why Im being rejected entry I had an account with discover last year & was closed due to unauthorized logging & suspected activity & was informed by an agent that I can just open up another account with my same information & get approved so why is my application being denied

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-10
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:
I was a victim of Trans Union inquiry issues and that they did not follow FCRA 611 I had already disputed this with them and customer servicer refused to fix the issues, I don't only have inquiry reinserted on my credit report with out them notify me but I have about an additional 30 inquiry 's not seen before. 

here is a list of inquiry 's XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-03-21
Company: EQUIFAX, INC.
State: VA
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:
My credit score has yoyo 's from low XXXX to upper XXXX 's without cause in XXXX and XXXX thus far. I have made on time payments for past three years on all debts and bills. I have paid off in full several lines of credit/loans. My income has increased steadily in this same period of time, my debts have been paid, or paid off, and initially saw my score climbing as one would expect. Then without cause or notice it plummeted back down to XXXX and low XXXX and has stayed there in spite of flawless financial performance and decreases in debt, and increases in income. I attempted to find out why this occurred and received no responses. In the span of last 12 months, my credit score has yoyo 'd by almost XXXX points, IN this same period, my wifes score, has steadily risen and remained high as one would expect given our efforts in bill payment and payoff of loans.. She has no income other than our shared income, nor debt other than our shared debts. I think I am being confused with someone else financial performance and inappropriately scored, which has a significant impact on my personal finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Santander Consumer USA Holdings 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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation