BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-13
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
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 is incorrect

Complaint:
I had a checking account with Huntington bank, I then closed it because the website was not user friendly. The account was closed per my request. They reported that the account is closed for cause ( The account is closed because the account was not handled in a manner consistent with bank policy ) in the XXXX warning report. This inaccurate information was used against me from another bank. The bankviolates the FCRA. Below is the report from XXXX XXXX. <P/>Consumer ID : XXXX Bank Name : HUNTINGTON BANK - OH Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause Previous Account Status : Present Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX,, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Email Addresses : XXXXXXXXXXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XX/XX/XXXX re : Wells Fargo Merchant Busn CHECKING I believe I have been a victim of a predatory practice by Wells Fargo Bank. My branch is in XXXX XXXX, NJ. I had 6 accts with this bank. I am focusing on a business account with linked checking and savings accounts. When I opened this account, I was told the checking account required a minimum balance of {$1500.00} to avoid monthly charges. After 3 months I complained that I had received {$14.00} per month bank charges for 2 months [ XX/XX/XXXX and XX/XX/XXXX ] and was given the explanation that my account actually required a {$7500.00} minimum balance. The 2 months of charges were reversed with an agreement to change the account to one requiring a {$500.00} minimum balance. <P/>However, despite reversing the two $ XXXX/month bank charges on XX/XX/XXXX, the bank deducted an additional $ XXXX/month bank charge only 8 days later. The bank continued deducting $ XXXX/month bank  charge for the 6 additional months, for total of 7 months charges of {$98.00} - which have not been reversed. When I called my bank officer, I was told I had to come into the bank to make the change to the one requiring a {$500.00} minimum balance something I had assumed had already been done by telephone. <P/>With this explanation, I did come into the bank and was told the Wells Fargo computer program would only allow 3 of the 7 months ' charges reversed. [ Limiting the bank charge reversal to 3 months is entirely arbitrary by Wells Fargo. ] Furthermore, I have not had even the promised 3 of 7 months ' charges reversed. I have closed 2 other linked accounts and expect to close all of my accounts with this bank. <P/>I am taking my branch manager at her word. She assures me that her bank officer did tell me that I had to come in to the bank to change the account to one requiring a {$500.00} minimum balance. although I do not recall the information that I was to come into the bank to make the change - which she said I was initially given this instruction in XX/XX/XXXX. I view both the branch manager and the bank officer as sincere although I do not recall this instruction in XX/XX/XXXX. <P/>However, my complaint is with Wells Fargos corporate culture. My branch manager explained that the banks program does not allow her go back to refund the 7 months charges of {$98.00}. Although I take her at her word, I find this unacceptable. Surely, Wells Fargo would be able to go back several months if a customer owed the bank money. So why does Wells Fargos program deny the customer an analogous cure. I am, therefore, filing a complaint with the Consumer Financial Protection Bureau about Wells Fargos predatory practice not a complaint about my local branch but a complaint with the Wells Fargo corporation

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 2019-05-24
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019. I walked into a XXXX Store in XXXX to inquire about getting a phone for my son. During discussions with the store agent, he stated that in order to provide quotes on the variance phone plans, he would need to do a soft inquiry on my credit report that would not impact my score and would not be visible to anyone but me. I asked him specifically if this is a hard inquiry and he stated that it was absolutely not. I told him if quotes require a hard inquiry on my report, I wouldn't be interested in getting any quotes, and he assured me that no hard inquiries would be made. 

I decided not to purchase a phone at that time and left the store, only to discover later that day that XXXX performed a hard inquiry and pulled my full credit report. I went back and discussed with the Store Manager. He was courteous and promised to help. Later he reached out and said that the inquiry on my credit report was done by error and that XXXX will initiate a credit request to have it removed from my credit report within 60 days. 

It's been 60 days and the inquiry is still showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
TransUnion 's had a computer glitch problem that happened twice. That was not my fault or my problem. So it caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. Those inquiries being added back on has made it impossible for me to even be looked at for getting a loan to consolidate my debt. my rights were violated by TransUnion. Will CFPB help me make TransUnion stop victimizing me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
3 days ago ( XX/XX/2017 ) I sent XXXX bitcoin from bittrex to gdax ( I 've done it before several times ) I received a confirmation email from gdax - coinbase as usual but this time the bitcoin have never arrived Transaction hash is : XXXX I found my transaction in the blockchain and it is completed ( spent ) but I still have n't received the bitcoin I tried to contact gdax-coinbase several times but they do n't answer

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
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:
Equifax, XXXX and XXXX collect my private information - without my consent - and then sell my personal information as a product. Recently Equifax was hacked, and basically all adult Americans with an SSN were exposed to this breach.
I demand that the government enforce more strict regulations on credit reporting bureaus, and make it easier ( free and simple ) for consumers to freeze their credit in one centralized location - not individually though each major bureau.
I also demand that the government make it easier for citizens to change their social security number. This was never intended to be a permanent identifying number, and due to data theft a SSN is now a liability.
Please help US citizens protect their privacy and credit by making it more difficult for theives to access and exploit personal financial data.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I filed for bankruptcy in XX/XX/XXXX, I had made a payment to Credit Acceptance and once I had filed they started to refuse my payments. I had understood they were to obe paid outside of the bankruptcy and made every attempt to pay them. I had even told my attorney of what they wee doing. They told me to keep trying to make the payment and they would handle it. I was them made to pay them current from the time I filed and yet they still refused my payment I continued to let my attorney know. I then made a large payment of {$1800.00}, that is when they took that payment, then again they refused payment. Then XX/XX/XXXX I get a notice from the credit bureau stating the account had been closed. I then made another large payment of {$800.00}. and yes they took it and asked why my account was reporting closed. I was told that they did not know why it was closed but I can still make payment. Every month since XX/XX/XXXX I have tried to make payments and they either hang up on me or not take the money out of the account in which I choose to have the money taking out of each month. Then today they came and repossessed the car and I showed the man picking up the car and he told me to make a 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 2018-01-01
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:
There is an account on my credit report that I have sent in police reports and asked the company to remove off my credit report because is is fraudulent. It was opened in XXXX 2017 and the amount is {$1400.00} it 's saying on my credit report. I have been asking the company to remove it and they have n't when all other credit agencies have after only asking once. They have also dropped my credit score almost 100 points after me contacting you the first time. If you look back I still have an open case being investigated and equifax has yet to respond. I am XXXX and the equifax company is making my life even harder because of there fraudulent reporting. I am thinking about perusing legal action if my credit report is n't fix and my score does n't get updated. They are also negatively reporting false balances which I have asked them to update several times. I am starting to think they are XXXX because a XXXX friend of mine has a horrible credit report but her credit score is high and I have a great report accept with equifax do to there false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: Experian Information Solutions Inc.
State: MN
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 have sent Experian two letters. 30 days back to back and never got a response to either letter.Under FCRA section 604 ( a ) ( 3 ) ( A ), permissible purpose has to be proven for the review or collection of a consumers account. There has been no communication back from Experian. 
or prove I authorized any of the hard inquiries on my credit history kept under my SSN number. If they ca n't provide me proof with my signature authorizing permissible purpose for each hard inquiry, these hard inquiries must be deleted for no permissible purpose or authorization. I have attached a copy of the letter sent by certified mail two times to Experian.

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 2022-02-11
Company: Experian Information Solutions 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:
Hello, I am writing to you regarding the big scam in my own credit report. I got unknown account and inquiries that I do not recognized. I checked my credit report and with 100 % I can say that this account and inquiries are not mine. I have no idea how come I have it my credit report. But the only what I want is to remove these items because I prefer to have information that is mine in my credit report. Please apply the investigation and remove them from my credit report. I filed Identity theft so therefore You would see what items to remove. Thanks in advance

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 2018-01-31
Company: HONOR FINANCE, LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
{$4000.00} down payment, on a {$7000.00} loan. Crooks here is a copy of my XXXX   credit report can the company please explain how i owe this much?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: Experian Information Solutions Inc.
State: GA
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 asked that the credit reporting bearu verify the errors reported on my credit report and send me the results with all original documents supporting their findings per section 609 of the FCRA, I havent received any documentation and still theyre reporting numerous thats causing hardship in obtaining housing, credit, and employment.

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 2022-02-11
Company: Healthcare Receivables Group, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a total of 5 accounts for medical bills with Healthcare Receivables Group. I attempted to pay off two of these accounts, and have those two accounts removed from my XXXX credit report. I was told by the supervisor, XXXX, that the policy with the company was they would not report those accounts as paid in full to the credit agency until I paid off all 5 accounts. I do not feel this is a fair practice as each account was put on my credit at different times, each account has different dates of service, and different amounts. This company has already closed all 5 accounts on my XXXX score even though they are not paid in full. I want to file a complaint because I feel a debt agency should not hold my paid in full accounts " hostage '' for me to pay the entire amount that is owed. Points were deducted from my credit score for each account, so each account that is paid in full should then be submitted back to the credit agency to increase my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Chase Cards allowed for XXXX fraudulent credit cards to be opened in my name that was obtained as a result of identity theft. The account numbers for the accounts that Chase allowed to be fraudulently opened in my name are the following : XXXX XXXX XXXX These are not my accounts and Chase Cards have been contacted and been provided copies of my police report, identity theft affidavit, and they have still refused to act in accordance with the law and the FCRA by closing these accounts out of my name and by removing the derogatory information they have placed on my credit file. Chase continues to attempt to collect a debt that I have made them aware of did not belong to me. I have contacted them and made them aware that this debt was as the result of identity theft, and they have refused to stop trying to collect the debt and continue to report this fraudulent account against my name and social security number. They have further more been provided a copy of my police report, identity theft affidavit and they continue to ignore the fact that this account does not belong to me. When I have attempted to speak to this company they have been very disrespectful to me and have tried to force me to pay a debt that does not belong to me. I feel that this company is trying to extort money from me over a fraudulent debt. My personal information was compromised in XXXX and every since then I have had people open all sorts of accounts in my name using my correct personal information that was obtained from the identity theft. This debt that they are trying to collect from me is absolutely not mine and they have defamed my character by listing and continuing to list this fraudulent information against me. A part of defaming my character they are also continuing to violate the FCRA Section 605B by refusing to remove this information they know to be fraudulent from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20
Company: Experian Information Solutions Inc.
State: AZ
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 am a victim of identity theft. My XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, UT XXXX Mastercard # : XXXX is lost/stolen. All of the transactions on the account is fraudulent and unauthorized. My entire credit limit of {$800.00} was used in a fraudulent manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been calling for months trying to get my stimulus checks released to me! I have faxed numerous documents to the fraud department and they keep adding additional paperwork and then when I call too see if they receive it they are hanging up on me. I just want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: CREDIT WORLD SERVICES, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Credit World Services DID NOT remove the account from XXXX  it still is showing in active collection as of yesterday. XXXX  was called and I was told it does not take this long to remove an account especially if the were notified in XX/XX/XXXX as Credit World states.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: Experian Information Solutions Inc.
State: NC
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 not authorized these inquries listed on this report. This is fraud

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: College Ave Student Loan Servicing, LLC
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am cosigner on my daughter 's school loan and I have been paying it but College Ave collection keeps calling me even after the loan has been paid. I have told them to stop I have paid it but they just keep calling.

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 2022-02-11
Company: EQUIFAX, INC.
State: TX
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:
THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING BALANCES, LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.

Company response to consumer: Closed with explanation