BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-30
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I see a charge back for the amount of {$300.00} from XXXX XXXX XXXX. I never gotten any letter or phone call from you guys. it just seem like you guys went and charge me for no reason, not sure what deal is but this is wrong. I called you guys about this. I just hope that this was a mistake from your end. I'm currently going through a lot. I recently lost my daughter, I don't need anymore stress on my shoulder.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-27
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 illegally opens loans, for customer. - and masks the loan as escrow in the beginning of the year as an addition to customers actual mortgage balance, and reports that annual balance to credit reporting agency, while reporting the true mortgage balance to customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XX/XX/2020 Coinbase I can't transfer my ETH cryptocurrency ( currently approx {$18000.00} ) from XXXX to XXXX in order to sell and settle my position to cash out. It's frozen. It keeps saying that I have NOT clicked APRROVE WITHDRAWAL on my co-signer email address which is a double security measure. I've received such email links on both e-addresses and verified, but it STILL shows pending approval. Coinbase is pocketing my money just like banks tend to do. The longer the process give more leverage for Coinbase to use. Bottomline, I can't retrieve my funds. In my opinion, it's as if it's been stolen from me, since they do not respond.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-22
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:
Experian will not remove fraudulent charge offs on my credit report which I have provided evidence as well as disputed over 4 times each in writing for the same creditors. One of the creditors ( XXXX XXXX dealer services even provided me documentation stating their mistake which I submitted in dispute but expierian still has not removed account from file. On a dispute with XXXX XXXX, I expressed fraud 4 times in writing with certified mail and experian just continues to update file with no changes. During the submission period they break t he law my taking usually 45 days and not once sent me any s documentation from creditors showing evidence of validity

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 2021-02-22
Company: EQUIFAX, 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:
There are 8 accounts that are appearing on my credit report that do not belong to me I have already reached out to the bureaus and have not received anything back. These accounts DO NOT BELONG TO ME they are not mine I have not applied for these nor have I signed for these. 

XXXX XXXX  XXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$2000.00} Opened XX/XX/XXXXXXXX XXXX XXXX - Acct # XXXX Amt {$5200.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$8400.00} Opened XXXX XXXX, XXXXXXXX XXXX - Acct # XXXX Amt {$5100.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX  - Acct # XXXX Amt {$4200.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  - Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX - Acct # XXXX Amt {$2200.00} Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
phoenix financial services collection agency bought a old medical account from another collection agency which that debt was removed deleted from my report long ago the are now trying to re ageing this account and put it on my my credit report as a new account originally XXXX XXXX XXXX which I have not entered any binding contracts or signed anything with any of these companies! not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: MD
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: Billing dispute for services

Complaint:
I am trying to get a medical bill off my credit report. I did not give the hospital permission to sell my information to a third party. I keep telling the credit bureau to remove it but it has yet to be removed. This is a matter that my old employer is responsible for this bill. The company is XXXX XXXX ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Noticed some accounts opened on my report I never was aware of or gave my consent to open. 
I just fully got to see the whole run down on my credit report and I notice the problem and made a FTC report. 

I contacted the creditors multiple times! but they provided me no feedback to this inaccurate information on my report I asked that it be removed off. As it is against my rights to the fcraa. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquires on my report I didnt give me consent to use my info. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: BMW Financial Services NA, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Bread Financial Holdings, Inc.
State: NY
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:
Today XX/XX/2020 I was notified from credit karma that my express credit card is showing an increase balance of {$9.00} this is incorrect the balance is XXXX. My score went down 12 points due to this card showing a balance. Ive tried to dispute this with the credit reporting agencys but unsuccessful. Ive never been late on this card and the balance is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery keeps calling a private phone number of mine repeatedly, multiple times a day, from phone numbers all over the U.S. Because they are calling from so many different numbers, I can not block them. They are also calling my work phone number, when they 've been informed that I can not receive personal phone calls at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I noticed that my bankruptcy filed XX/XX/XXXX has been updated and resubmitted to reflect a current date of XX/XX/XXXX which is incorrect and looks like i just filed the bankruptcy. 
under Transunion and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   this information is incorrect and should be cleared up and updated to the original correct filed date of XX/XX/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 2018-10-04
Company: Hewitt-Capital
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX from Hewitt Capital contacted my place of employment on XX/XX/XXXX attempting to collect a debt from their supposedly client XXXX XXXX, I that owed a debt of the amount of {$3100.00}. I told him that I didn't have any money to give, he then proceeded to say that if I didn't pay I would be placed in custody and sent to jail or my wages would be garnished. I ask if he could provide legal documentation, he said he sent a letter to my address. I never received a letter. I told him I would pay {$100.00} dollars for today. He said it was a XXXX processing fee. I gave him prepaid debit card information. He took XXXX out of my account. I told him that I would attempt to pay XXXX by Saturday. He said ok. I didn't have the money on Saturday. He called my employment that following Monday. He ask why hadn't I paid. I said that I didn't have it and I needed to pay my rent. He then yelled at me and said. He would snatch the check out of landlord 's hand and that I was on recorded line and I should be in custody right now. I was very intimated. So I told him I would pay him XXXX today plus the processing of fee of XXXX and try to pay XXXX in two weeks to close the account. This was on XX/XX/XXXX. So I used what I saved up for rent and paid him XXXX on XX/XX/XXXX. He advised then that I owed a another {$1500.00}. I knew something wasn't right. I stopped answering his calls. Tried to dispute the transactions with my bank. They declined the credit. He then proceeded to take out {$150.00} on XX/XX/XXXX and another XXXX on XX/XX/XXXX. I never received confirmation number or any legal documents and now facing eviction. Also, XXXX XXXX has advised they did hire them to collect debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
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: Their investigation did not fix an error on your report

Complaint:
Requested from the credit agencies to verify the validity of the below account currently reporting as a collection. I have contacted the company directly by mail and by phone and was told they will not provide any other proof. The requested help again from the agencies I'm disputing their practices with and they will not allow another dispute stating they verified it and yet I never received any correspondence. 

I attempted to contact the company directly again and was told they will not accept any payments or anything on the debt. I tried so they would remove from my report I offered to pay to delete and was told it was not their problem. I explained under the Fair credit reporting act and the FTC their reporting is not being handled correctly or morally. I was hung up on and do not receive any validation on this debt. 
I am requiring the agencies reporting to remove this account from my reports and to process with regulations on how to fairly report. 

Account to remove XXXX XXXX XXXX Account Number XXXX Account Type Credit card Date Opened XX/XX/XXXX Status Account charged off. {$420.00} written off. {$380.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$380.00} Credit Limit {$300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22
Company: WELLS FARGO & COMPANY
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX Inquired on XX/XX/2019, WF CRD SVC Inquired on XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Credit Karma, LLC
State: NC
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:
I have made several unsuccessful attempts to have Credit Karma stop emailing, and to get them to cancel my account with them. In XX/XX/ 2020, I checked my credit reports with the three credit bureaus and Credit Karma had made more than 30 inquiries. I would like for them to remove my profile from their website, and to discontinue emailing me. I visited their site to attempt to remove my account and I was unable to enter. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
XXXX, Transunion and XXXX  have overused their roles of being consumer reporting agencies. With unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCP

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 2020-08-29
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$39000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- PERSONAL ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$39000.00} -This is not my 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 explanation
Consumer complaint received 2021-01-27
Company: TransferWise Ltd
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
TransferWise heavily markets a debit card that allows customers to access their account balances. For the issuance and shipment, they charge customers {$9.00} per card.

One of the payment options for the debit card issuance is a personal credit card. TransferWise, however, does not disclose that it sends the transaction to the credit card issuer as a " wire transfer '' or a cash advance, and therefore it incurs a cash advance fee, cash advance balance, and interest payments from many banks on what is a fee / service paid to TransferWise.

The company says it has no control over how credit card issuers process the transaction, which means that they are knowingly miscategorizing transactions that could incur potential fees for customers.

Transferwise also creates a burden for the consumer and the bank to fix the issue with ( i.e. TransferWise told me to ask the bank for a refund ), rather than fixing on their end a clear miscategorization of transactions with individual XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a victim of false advertising and a failure to disclose information on their website and by the loan advisor, XXXX XXXX XXXX. I recently tried to refinance my home using the FHA streamline option. The Chase website states that they do refinance FHA loans. I started the process using the conventional loan option and gave them my good faith deposit of {$500.00}. After researching more options on the Chase website I decided that the FHA streamline refinance would be the best option for me. I notified the lending advisor XXXX XXXX XXXX ( NMLS ID XXXX ) of my decision ( XX/XX/20 ). He stated he would check. He did not get back to me until XXXX XX/XX/20 XXXX. XXXX XXXX XXXX stated ( exert from his email on XX/XX/20 ) : I actually heard nothing as of yesterday and just got confirmation this morning and had you on my list. The Streamline option fell through so if we were to move forward we would run into the issue you are having with the interior pictures. With that said due to the status of the application I have to mark it as a withdrawal. From our conversation that causes the good faith to be non-refundable but can get in contact with directly with the team that process the refund and put in a request.

I later found out this is only available only to existing Chase customers with FHA-insured loans. Why would he need to check if this is the case? Why would he tell me it fell through is he incompetent or trying to scam me for more money by adding an unnecessary appraisal cost to the
loan? Nowhere on the Chase website does it state any of this information that FHA refinancing is only available to existing customers.

All proof has been uploaded, email, screenshots of website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-15
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX I, XXXX XXXX XXXX, ran my credit report for the first time in my life. I ran this first with Equifax and then also XXXX   ( both attached ). On both of these reports, I found a Credit Card account  beginning with XXXX, and ending in XXXX with XXXX XXXX XXXX that was opened XX/XX/XXXX. This account had a credit limit of {$3000.00}, a balance of {$19000.00} ( same as amount past due ), is being shown as CLOSED by way of CHARGE_OFF, with a Date Closed on XX/XX/XXXX. 

This is a credit card I never applied for, never received, or was aware of the existence of. I also became aware, under the personal information section of the reports, that there was an address listed in XXXX IL that I have never seen or heard of, or resided in, and a phone number, that I also have never seen before, owned, or used. Both of these are listed below : Address : XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX Address ID # XXXX Apartment complex Phone Number : ( XXXX ) XXXX The advice given to me was to first call XXXX XXXX XXXX and all three major credit bureaus. I first called XXXX XXXX XXXX and filed the dispute/fraud claim, which is claim # XXXX. When I was on the phone with a representative of XXXX XXXX XXXX, I was told the account was associated with the address and phone number listed above. 

I then followed up and filed the below-listed disputes : Equifax # - XXXX XX/XX/XXXX Alert - # XXXX XXXX  - ( Did not receive dispute #, XXXX post-investigation docs attached ) Identity Theft FTC Report - # XXXX Today, XX/XX/XXXX, I filed a CPFB complaint addressed to XXXX  XXXX XXXX and am now following up by filing one for XXXX, Equifax, and XXXX. 

After filing this dispute, I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX ( I've attached the letter here ), which states : " After a review of details you provided and a thorough investigation, we've concluded that no fraud has occurred. As a result, you'll be responsible for any balance on the account in accordance with your account agreement. '' I  also received the attached documents from XXXX, Equifax, and XXXX  with teh results that the account is " Verified as Accurate ''  and " Verified that this item belongs to you. '' I am claiming this credit card account is a result of identity theft. I understand these credit bureaus need to communicate with the financial institutions in order to generate the results of a dispute. So I am asking that they consult with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX addresses the CFPB complaint ID - XXXX.

Company response to consumer: Closed with explanation