BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-12
Company: Risecredit, LLC
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XX/XX/2018 I applied for a {$2500.00} loan and I put in my bank account info, .because that account was where I wanted to funds to go. The problem is I have 3 bank accounts. 
It was unclear when applying what the bank verification was trying to attempt. 
The verification was to see my deposits and transactions so I was declined because the account I used for the application is where I deposit checks i get in the mail ect. 
My income check auto deposits to a Credit Union in a different state than where I live. 
I wanted to deposit in an account where I could withdraw without paying fees My intent was to use the money for some small home repairs completed, some folks prefer to be paid in cash, That was my thinking. 

When I called to try to redo the bank info to point to the account where my income is deposited I was told I could re-apply in 45 days. That doesn't help. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
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: Account information incorrect

Complaint:
I recently had to pull my credit report because I was going to apply for new employment and found violations on my account which will hinder me from getting new employment. I understand pursuant to 15 US Code 1681a2B that and I quote any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a CREDIT CARD or similar device '' should be excluded from a consumer report. Well I am pretty sure by definition listed in 15 US Code 1681a is the same as 15 US Code 1602 ( l ) which states a credit card is any card, plated coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. By definition this is my social security card.

I found several accounts which were derived from my credit card a.k.a. my social security card and should by law must be excluded from my credit report. This is a violation of 15 USC 1681a2B. 
I also did not give written content for none of these accounts pursuant to 15 US Code 1681b2 which is another violation. Consumer reporting agencies are to respect my right to privacy pursuant 15 USC 1681a4 and they did not and violated my rights as a federally protected consumer. I havent been able to sleep, with extreme anxiety, and I am worried I wont be able to get a new job. I have sent notarized letters to this consumer reporting agency and I have not received a response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
THESE ACCOUNTS DO NOT BELONG TO 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 2019-05-23
Company: CITIBANK, N.A.
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I initiated a chargeback with Citibank for a merchant charge with XXXX XXXX. Citibank 's reversed that chargeback, but refuses to provide me with the specific guidelines they use to make chargeback determinations In my conversations with Citibank, I have been urged to initiate another dispute for this matter. In support of my new dispute, I, or and/or my attorney will need the guidelines used by Citibank investigators to permit or deny disputes. As a law enforcement officer, in order to take enforcement action, I must follow written rules. Citibank must also follow certain guidelines. It is not a reasonable request for myself or my attorney to initiate the new dispute that Citibank has requested without being completely privy to the guidelines Citibank claims to be following in it's decision making process.

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 2018-11-13
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

REGIONS BANK XXXX XXXX {$250.00}

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 2018-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Ive sent certified letters in more than a year ago and I havent received any response from your company. It shows that your company isnt professional. A business that is professional and doing the right thing will respond in any circumstance. This will be my last time contacting your company to resolve this issue of fraud that was done to my credit file. I am clueless as to how the fraud was done to my credit file. I am only allowing 3-5 days for this matter to get resolve and I am disputing the fraudulent accounts as an internal dispute which means you have a total of 3 days to be exact. This is not a threat its just my credit file has been leaked in several breaches and its your job to investigate how something this fraudulent was placed on my credit file. According to section 609 611 of the FCRA it is said that you must show verifiable original contracts with my signature bearing on to it also, without this you must remove this immediately and permanently. This is my final warning. I have attached a letter of the fraudulent accounts in the attachment section.

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 2018-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

CAPITAL ONE AUTO FIN XXXX X XX/XX/2013 {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: EQUIFAX, INC.
State: VA
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:
My credit report with equifax and XXXX reflect missing payments to those who are granting me credit and any notices i may receive about denied credit reports on the contrary. My actual report that I see shows my account as being 99 % on time for not less than 10 years therefore creating a disparing difference. My credit score went down recent 37 points indicating I had a missed payment but upon review there is no such reports. This is a huge infraction and violation to my SCRA right and need this to be review and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had two Comenity Bank store credit cards. One was for use in XXXX stores and one was for use at XXXX XXXX stores. The accounts both had a XXXX balance and had a 100 % on time payment history. I had not charged anything on them for a while due to the fact that I have been sick and in need of a XXXX XXXX and on a fixed XXXX income. 

Both accounts were closed by Comenity around the XXXX of XXXX with no reason or prior to request that I take any action. When I called Comenity, they said they closed the accounts due to inactivity. They told me they could not reinstate the accounts, but that i could reapply. This action negatively impacted both mine and my wifes ( who was an additional card holder ) credit reports and scores. This is not fair to consumers in any way, shape or form.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I am XXXX XXXX XXXX with ID XXXX, mail XXXX and I have a cryptocurrency account in the COINBASE company. I have been with my account blocked for months and I can neither carry out operations nor withdraw money. In the attached image you can see that they ask me for an authentication code that they send to a phone that is not mine and I do not know that phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: ENCORE CAPITAL GROUP INC.
State: CA
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 canceling credit monitoring or identify theft protection service

Complaint:
XXXX XXXX XXXX opened XX/XX/2014 for XXXX $ I told them I dont know who got this credit card under my name and someone made a payment on it I guess but how could I make a payment on something iv never received a bill or letter or phone call nothing and also someone keeps applying for car loans all those hard inquiries on my credit nun of them are mine so now I cant even get approved for a secure credit card let alone any other kind Im so stressed out my car broke down so I need to get it fixed and I cant because money is tight right now. Help me please Im begging you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Western-Shamrock Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had a loan due XX/XX/2018, had told them i would pay when i could. Called my work mutipe times even after told to stop. I was always on the clock when they would call me so i couldnt answer. They thought it'd be best to go ahead & show up to my work place to ask when i was going to make a payment ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Amsher Collection Services, 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 made several attempts to contact this company by calling them at XXXX ( XXXX ) XXXX XXXX regarding a XXXX XXXX account that has been paid and closed by me. This account was closed because I switched providers. before I was able to switch providers I had to pay my balance on my phone and my balance in order for them to unlock my phone to receive a new sims card. When I call I am always transferred to an agents voicemail leaving my contact information i.e. ( phone number, and email address ), but have been unsuccessful in receiving a response or communicating with anyone. XXXX is telling me that they have no information because there is no account. So, I'm at a lost and don't know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: FL
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  XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 i received a copy of my credit report from XXXX, XXXX, and XXXX credit report companies. The company named XXXX XXXX XXXX has reported false credit information to the three bureaus. I have contacted them on numerous occassion and to no resolve they continue to report false information to the credit bureaus. First, i do not have an account with this company. Nor there is no agreement with this company that has listed on my credit reports as tho i have established a relationship with them as of XX/XX/2018. XXXX XXXX is engaging in fraudualent acts by electronically reporting false, untrue information to benefit their company. Midland is aware that the facts of this reporting to the credit bureaus mentioned is FRAUD. I do not owe Midland XXXX   dollars. I have asked repeatedly for a contract or some type of proof which they have not provided because there is NONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The car was purchased and had insurance on the car in SC. This car was stolen and later found in another state in GA 6 months later after it was stolen. Santander was notified as to where the car was. They went and looked at the car and decided not to take the care back. They said they didn't want, they left it. They said it was a total loss. This was not handled properly and, they didn't notify me of the Sale and the difference to pay. This needs to be deleted off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Me and my wife were living at XXXX XXXX XXXX  for almost a year starting around XX/XX/2015. In that time we never missed a payment nor was late on a payment. By XX/XX/XXXX we had received no notice of a change in rent but I did know the lease was coming up soon so I went to talk to leasing office about resigning the lease for another year. I was then told by leasing office our rent was going up over XXXX dollars due starting next month with no type of notice at all. The rent was too much for us so I put in a written notice saying we will have to move out next month. After we moved I was called by apartment saying we owed money which wasn't true because we paid that last month we were there. We even went back to the apartment and tried to explain but they said they would not remove it and the balance had to be paid. Months passed and i see a debt collection from the apartment for XXXX   dollars. When I tried to dispute it with XXXX they did not remove it. In conclusion we were not given notice of our Rent changing so drastically and a written notice was given so we should not have had a debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: EQUIFAX, INC.
State: NC
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 am attaching the investigation request I sent to Equifax and XXXX XXXX on XX/XX/XXXX. Both have taken longer than 30 days to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: EQUIFAX, INC.
State: CA
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:
Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: WELLS FARGO & COMPANY
State: MN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a credit card dispute with Wells Fargo VISA for {$1800.00} on XX/XX/16 for a dining table that I purchased from XXXX XXXX XXXX. The table was defective and not what was promised to me by XXXX designer. The merchant returned the table but was charging me a 30 % restocking fee, which by law is wrong. I received notification from Wells Fargo that the dispute investigation was completed on XX/XX/16 and my claim was declined stating, We are unable to obtain a refund on your behalf because your dispute falls within the merchants pricing and policies, which we have no authority to change. I not only didnt get the 30 % restocking fee refunded, but Wells Fargo did not recover the money owed to me for the returned table. I question this outcome with many phone calls and many reinvestigations were done by Wells Fargo and they continued to responded Theres nothing more we can do. They stated I would have needed a 3rd party who works with furniture to verify the table was defective. So, I contacted Signature Designer Services the company that delivered and picked up/returned the table and obtained a letter from them verifying the table was defective. When I attempted to submit the verification letter to Wells Fargo, they stated I missed the deadline of XX/XX/16 and said the case was closed. Wells Fargo told me I would need to get the refund from the merchant on my own. I took the merchant to small claims court for my refund. At court, I was given papers from the merchant showing she had arbitrated with Wells Fargo, which I was unaware of. The merchant told the judge in court she won in arbitration and I recovered {$0.00} from the court. At home, I looked closer at the arbitration papers and noticed there was no arbitration ruling only pre-arbitration. I called the Dispute Resolution Department so I could get a copy of the arbitration ruling but was told there was no arbitration ruling. They stated Wells Fargo missed the deadline and failed to turn in the needed documents on my behalf, which resulted in the case being closed. The pre-arbitration information clearly states Wells Fargo failed to receive sufficient documents from the merchant to prove her side and they were proceeding with arbitration. This dispute was never arbitrated but closed because of Wells Fargos failure to submit the documents needed on my behalf. Wells Fargo lost arbitration because of their own mistake and then recharged my account the {$1800.00} I was refunded during the investigation. I should have been refunded the money from the dispute and should not have to pay for the banks failure to do their job properly. This is dishonest and unethical.

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 2018-08-16
Company: Experian Information Solutions 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:
I have tried to have these fraudulent account removed from my credit file multiple times. XXXX XXXXXXXX XXXX  Account # XXXX. Bankruptcy chapter XXXX-dismissed Account # 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 2018-08-15
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I.C. System Inc. ( bda ) XXXX, XXXX XXXX XXXX is in Violation of 15 U.S. C. 1692-1692P On XX/XX/2018 ( I ) XXXX XXXX received a call at work from a Mr. XXXX XXXX ; in violation of 15 U.S.C 1692 C ( a ) ( 3 ). I was unable to talk at the time, so i called back and spoke to a young lady  about why was i called. 

I was then transferred to a Mr. XXXX XXXX who was both abusive and oppressive with me, in violation of 15 U.S.C 1692d.

Mr. XXXX also used obscene language with me, in violation of 15 U.S.C. 1692d ( 2 ) and i asked him to end the call and he didn't. I ask Mr. XXXX to remove my phone number and to state that i would not receive any further call and he would not agree to do what was asked.

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