BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-19
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2017 a balance of {$400.00} from XXXX XXXX XXXX appeared on my Equifax credit report. I am challenging Equifax to verify this account per Section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a copy of the original creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: The Outsource Group, Inc
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Called in XX/XX/2018 XXXX  Hospital Billing department to get the final bill and detailed hospital to understand my part ( deductible after Medicare pays their 80 % of Medical Bills, my part is 20 % ) Was satisfied with the final part I owed and paid The Hospital XXXX  Hospital in full in XX/XX/2018.

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 2019-02-13
Company: Ad Astra Recovery Services Inc
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HELLO IN XX/XX/XXXX I LOST MY WALLET AND IT HAD ALL MY PERSONAL INFORMATION STOLEN. IM STILL TO THIS DAY SEE CREDIT CARDS POP UP IN MY NAME AND I DONT KNOW HOW. I REPORTED THIS PROBLEM TO ALL THE CREDIT BUREAUS NOTHING. THE ACCOUNT SAYS IT IS CLOSED BUT YET IT REMAINS ON MY CREDIT REPORT WHICH IS AFFECTING MY LIFE. I CANT GET A CREDIT CARDS, LOANS A CAR A HOUSE AND IM TRYING TO BUILD MY CREDIT. IT WAS IN THE AMOUNT OF XXXX   FOR XXXX XXXX IN XX/XX/XXXX AND THAT WAS THE LIMIT. IT SAID IT WAS CHARGED IN XX/XX/XXXX .IVE BEEN IN CALIFORNIA FOR THE PAST 5 YEARS. THEY SAID THEY WOULD REMOVE IT AND IT JUST SAYS CLOSED ACCOUNT ON MY CREDIT REPORT. ALSO XXXX XXXX   I LOOKED THEM UP I GUESS THIS PERSON TOOK A LOAN OUT FOR XXXX IN KS.ALSOXX/XX/XXXX FOR XXXX XXXX NOT SURE WHAT THAT IS BUT ITS IN THE AMOUNT OF XXXX ALSO XXXX XXXX IN THE AMOUNT OF XXXX. PLEASE IM JUST TRYING TO GET THIS ALL RESOLVED SO I CAN MOVE FORWARD WITH MY LIFE. I HAVE A DAUGHTER ON THE WAY AND JUST GOT ENGAGED. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On my file disclosure and shows that open two bank accounts one with Wells Fargo opened it on XX/XX/2012 yet i was incarcerated at the time how could i have opened it

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 2021-06-26
Company: EQUIFAX, INC.
State: NY
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:
Im resending complaint for XXXX complaint. you closed the complaint saying you didnt recognize customer. Attached is my id to validate who i am. 
Iam a federally protected consumer. I sent letters excising my rights. Pursuant to 15 usc 1681b any reporting agency ( Equifax, XXXX and XXXX ) may furnish a consumer report in accordance to the written instruction of the consumer. I have never been given the option to opt out nor gave any written consent. NO CONSENT IS IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Applied for loan and was pre-approved for XXXX 12.99 APR 36mo loan. Was told that I just needed to submit bank statements and paystubs. Also asked for work phone number. Received phone call saying that they wanted phone number for HR. I explained that given the size of my company they will only do verification through a letter or theworknumber. They demanded a HR number which I had already explained they would not do verification over the phone to protect the privacy of employees. They insisted on the number which was supplied to HSBC. Subsequently they denied application after hard credit pull stating that employment could not be verified. This seems like discrimination given its not my fault my company is trying to protect my privacy and not advertise to anyone who calls that I work for the company. Additional they advertise the process as fast. This seems very manual to me. No other loan company has required anything beyond paystubs or a letter for employers to verify employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s )  responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : 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 2019-02-13
Company: Experian Information Solutions Inc.
State: OR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been trying to dispute something on my Experian credit report so it can be taken off for the last 3 weeks and each time it comes up not available at this time. I have emailed the company with my question as to why their dispute is not working, with no reply.

I even made a screenshot so that I could send that to them.

I have been trying to build my credit up and this has knocked my credit down by 19 points, this is why I'm trying to dispute.

I have had a lot of problem with Experian not removing things off my 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 2021-09-09
Company: AES/PHEAA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute regarding the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Placed order XXXX with Nordstrom Rack for a total of {$110.00} for three pairs of shorts. Received one soft package with one pair of black shorts in it shipped from Nordstrom Rack location in XXXX, Florida. The packing slip claimed that three pairs of shorts should be enclosed ( picture attached ). On XX/XX/2020, attempted to contact Nordstrom Rack customer service, was number 308 in chat queue, when it became my turn, the chat was abruptly cancelled, called customer service, after on hold for 47 minutes, phone agent XXXX pretended not to hear me. Called Nordstrom card services on the same date, spoke to XXXX, reference number XXXX, disputed {$79.00}. I really have to do a lot of work to attempt to initiate/resolve such a minimal dispute that is no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My complaint is on Experian. My husband and I have been working on our credit for awhile now. We have spoken with credit experts and have been doing all of the things we can to help our score go up. We are trying to buy a house we have been since before the housing bubble popped. Our credit took a nose dive after 2009. But we 've been working on it, like I said. My husband 's score has been going Slowly up for months now. Mine have also Except for Experian 's. I called and spoke to Experian for 3 HOURS trying to find out what I could do to raise my score even ONE point. They explained to me that they do n't have any type of record in what my score has been. That the only way they could help me is to buy their membership. I did and they still would n't tell me things like what can be done to help my score. They would n't tell me or send me information on the formulae to which is used to come to my score. 
Now I used more than 30 % this past month for XXXX and I 'm still paying everything, yet Experian sent me an email stating my score had DROPPED 29 point, ..29 POINTS?!?! When I worked for months monitoring and paying and keeping low balances and my score did n't move a SINGLE point! 
FICO is supposed to be a part of the FAIR Credit Act are they not?! How is it FAIR credit scoring when there is NOTHING I could do to make my score jump UP 29 points in a single month but it 's completely possible to jump DOWN 29 points in a single month ... and Did?? 
That is NOT Fair Credit Scoring! 
As Americans we trust that our governtment, especially when they are supposedly monitoring for fairness, that they ensure that Fairness! 
My husband and I are good people. We do n't mind playing by the rules. We are hardworking American citizens and we deserve to just be treated fairly to the rules we follow, ourselves. 
I am sending a copy of this to my state representative, as well.

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 2019-02-13
Company: SYNCHRONY FINANCIAL
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:
XXXX XXXX XXXX XXXX account was paid and closed in XX/XX/2006 and is still showing as an negative account, it was sold or transferred to a different company, tried to call the # on the credit report, that number is no longer in service and belongs to a different company that pertaining to the original Creditor or agency that my account was turned over to.

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 2020-01-30
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 fraud alerts or security freezes

Complaint:
Experian makes it nearly impossible to unfreeze my credit report. They have no way to contact a human, the online system rejects my information despite my already having dealt with them and receiving a PIN. There is no way to find out why this is happening. They want me to mail in via regular postal mail a copy of my government ID, my Social Security Card, utility bills, and the like, and then wait several days or more to unfreeze my credit ( which was frozen with them online in the first place ). The other two credit bureaus have no such onerous rules.

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 2021-09-09
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I intended to purchase {$1000.00} worth of Crypto currency from CoinBase. They took money out of my Bank Account the XXXX dollars but claim they have no record of transfer. Lost {$2000.00} worth of money and assets because they claim to have had a server issue. I gave them transfer ID from my Bank still my account is locked unable to touch assets and money was taken from my Bank. It's one thing to be robbed by a poor person, entirely worse when it's a corporate multi million dollar organization. I don't know what to do CoinBase customer support wont help and they claim to have no record yet they took the money out of my BANK..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a line of credit with Zales Outlet in XXXX. I purchased a piece of jewelry in which I had 18 months to pay off with no interest. Covid hit in XXXX and I paid the remining balance off with my stimulus check. I then received a letter stating I was a week late on paying the balance off and I now owed them the interest charges. I explained that I used my stimulus money to pay the balance and also explained that due to covid I was not working as I work in the entertainment district for the city and the entire city was shut down leaving me with no work. 
I asked to have the amount removed and was told no I could try to come up with something and send it in. I explained I would not have anything and how I sent in my stimulus to pay it off and not have to worry about a balance or the company not being paid at all. 
I now have the interest fee on my credit as a negative balance of XXXX from XXXX XXXX  XXXX. I am not sure if they sold the account to someone or what happened as I have not heard anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I received a number of calls and an email from XXXX today on XXXX, two calls received prior to email. I did not sign up for any such calls or emails, two calls came from XXXX, both rejected. I do not appreciate being harassed, the calls and emails are not wanted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Experian XX/XX/XXXX has on my credit report after opt out on XX/XX/XXXX for no reason and all these promotions in XXXX after opt out. Experian also keeps selling or having companies sending me offers after opt out and does not stop. I have also filed on Experian with the US Attorney office about this situation on my credit file.

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 2020-05-07
Company: EQUIFAX, 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 have contacted Equifax several times explaining that there has been several inquiries that are listed on my report that does not belong to me & needs to be deleted from my credit report. I am a victim of identity theft & these items should not be on my report for XXXX XXXX, XXXX XXXX   inquiry date XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Please delete this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
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:
I have recently received a copy of my credit report..The report had an account listed from that are not mine. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified ... I have never had an account with these companies. Please delete immediately before further harm is done ... 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   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 been plagued for months over the following accounts inwhich I've repeatedly requested to be blocked from my credit report due to the fact that I do not have any relationship with the following creditors, ( 1 ) XXXX XXXX, {$0.00}, ( 2 ) XXXX XXXX XXXX, {$26000.00}, ( 3 ) XXXX XXXX XXXX {$1000.00}, ( 4 ) XXXX XXXX XXXX, {$920.00}, and I yet to receive my request for the Method Of Verification inwhich your company / companies has conducted, who, when, where, and how did the above accounts get considerated verified, please send me physical documentation of your verification. Or as stated in the FCRA if the accounts are not being verified by physical documentation then they shall be blocked, deleted, and/ or removed immediately.

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 2019-02-13
Company: Clarity Services
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: Credit inquiries on your report that you don't recognize

Complaint:
This new complaint is in response to a recent one ending in XXXX against Clarity Services. Their response to me was robotic and made no sense whatsoever : " In response to this complaint, on XX/XX/XXXX, Clarity Services Clarity contacted the consumer to request the information necessary to assist with their concerns. On XX/XX/XXXX, Clarity contacted the consumer to assist with their concerns. On XX/XX/XXXX, Clarity received the information to verify the consumer. On that same day, Clarity processed their dispute request. As of XX/XX/XXXX, the consumer has not requested any further actions be taken with their file. '' I was and am disputing within CFPB 's platform. I already stated from the BEGINNING what my complaint and desired resolution was : an inquiry that's illegally reporting and needs to be deleted immediately! So what in the world were they talking about that " consumer has not requested any further actions be taken with their file ''??? That's not true. Moreover, I have no clue where this inquiry came from and Clarity responded to me with ZERO PROOF of where this rogue hard inquiry came from! The illegal inquiry was made by them on XX/XX/XXXX and needs to be deleted! It's unauthorized & not mine! My ID is attached!

Company response to consumer: Closed with explanation