BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: Experian Information Solutions 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:
IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX  BANKRUPTCY XXXX XXXX ACCT # XXXX 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 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 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit 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 2023-10-23
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, I purchased tires with my Discount Tire credit card with the promotion of no interest if paid within 6 months. The total almount was {$700.00}. The first payment I made was for on XX/XX/2023 for {$330.00}. I continued making payments on time and my current balance is {$120.00} which I planned on paying on XX/XX/2023. Today, XX/XX/2023 I received a letter dated XX/XX/2023 from Synchrony Bank notifying me my credit card account with Discount Tire was closed. The reason for the was " dishonored payments ''. I immediately contacted customer service and was told my account was closed because they had me on automatic payments and the payments were not honored. I then learned they were automatically deducting payments from a bank account I closed more than two years ago. The automatic payment I set up was for a previous purchase but they without my consent kept the automatic payments on a new purchase. I was unaware about the automatic payments but I was still making payments regularly and on time with my new bank account. But apparently, they do not have a system in place to let them know I was making regular payments. The customer service agent kept saying I am sorry but never did anything on her part to correct my issue. She started to tell my I can call my previous bank institution but I refused to that. My complaints are I was never properly notified that my payments would be automatically deducted, I was never properly notified that the automatic payments from a previous bank were being rejected. Customer service said they called me but they do not leave messages. I do not answer calls with numbers I do not recognize. At the very least leave a message. Customer service also said they sent a letter previously but I never received it. I am concerned this will affect my credit report. Their practice of closing accounts without proper notification or reason ( I was making paytments from my new bank accout ) is wrong and in my opinion illegal.

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 2019-04-23
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX a letter was sent to Fay Servicing from XXXX, XXXX XXXX XXXX on my behalf requesting an explanation or removal of a corporate advance charge of {$5200.00}. I had previously sent this request to XXXX XXXX, Account Manager at Fay Servicing explaining that this charge had no merit as I was not in default or foreclosure. It is now XX/XX/XXXX, and I have not received an explanation or correction on this matter. I know that within 30 days of talking to your service provider, there should be some kind of resolution ( or response ) to the problem and if there isnt, they have violated federal law. Additionally, I have stop receiving monthly mortgage statements for several months. Fay Servicing tried to have me accept a payment plan that was made by XXXX XXXX. I told them I did not want to accept it because I was paying my mortgage and the numbers XXXX listed were wrong and they were no longer my service provider. Additionally, I told XXXX XXXX that I would not sign off on XXXX XXXX Plan, and he told me that I did not have to sign off. This appears to be Fay Servicing trying to forcibly make me agree to a payment plan that I did not accept. I believe this to be illegal. All my payments made by check clearly outlined each month being paid. Instead, it is my assertion that Fay Servicing charged these amounts erroneously to corporate advance instead of the monthly statements to deliberately make it appear that I was in default of my loan. This is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My wallet was stolen in XX/XX/2023. The criminal tried to use my Citibank Visa XXXX at XXXX. I called Citibank immediately to report the stolen card, and answered a text from them not to let the charge go through because it was fraud. Citibank went into investigation, and denied my claim, saying I owe them the charge of {$2200.00}. I asked them twice to re-open the case, sending them what they asked for ( my driver 's license and a screen shot of the text ). They are no longer responding, but are now sending me past-due notices and threat of collection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a credit card from AMEX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called AMEX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and XXXX with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2021, and XX/XX/2021. There was an error on their part. I was never 30 days late twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: WELLS FARGO & COMPANY
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
A continuance from Wells Fargo case they say the date issued a {$300.00} credit to my account for my missing money but Ive never had access to account or card and if they did issue a credit I never received it go to the fact that account was locked was a family tried to regain access from my account being compromised

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2022-05-18
Company: EQUIFAX, INC.
State: GA
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:
While looking for a car and speaking with a salesman, I was clear to only run y report once, but my credit was shopped around to numerous lenders that I never asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I submitted a wire transfer in the amount of {$5000.00} on the morning of XXXX/XXXX/XXXX from my bank ( XXXX XXXX ) to Coinbase, Inc. ( XXXX Account ) Coinbase, Inc XXXX XXXX XXXX, # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXXXXXXXXXX I followed the wire transfer instructions exactly as outlined on the CoinbaseXXXXXXXX website, however, it is now the evening of XXXX/XXXX/XXXX and Coinbase has yet to credit my account with my wire transfer. XXXXXXXX XXXX lists the wire as " Completed '' and provided the following reference and XXXX numbers : ONLINE WIRE TRANSFER VIA : XXXX XXXX XXXX : COINBASE, INC XXXX XXXX CA XXXX XXXX REF : XXXX XXXX : XXXX TRN : XXXX XXXX OUTGOING WIRE TRANSFER - {$5000.00} Both XXXX and Coinbase state the wire transfer will be completed and posted to your account withing the same business day if completed by XXXX EST. It has now been 3 business days. I have e-mailed CoinbaseXXXX support multiple times and have only received automated responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: TX
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:
Tuesday, XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX To whom it XXXX concern, Its a violation to report information without my consent I have never provided any written consent to report this item on my credit report according to 15 USC 1681b this is a violation of my rights. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, requires that this notice be provided to inform users of consumer reports of their legal rights Pleased removed ASAP Sincerely, US DEPT OF EDXXXX Account XXXX Balance {$160000.00} Balance updated XX/XX/2022 Original balance {$120000.00} 15 USC 1681b Permissible Purpose Its a violation to report information without my consent I have never provided any written consent to report this item on my credit report according to 15 USC 1681b this is a violation of my rights. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, requires that this notice be provided to inform users of consumer reports of their legal. Please remove from account with 30days XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have been using XXXX XXXX for years, and as soon as i switched to chime i start getting overcharged for my payments. 
I was overcharged for over 6 payments with XXXX XXXX  totaling {$470.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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:
I contacted Transunion about the XXXX XXXX inquiry on my credit report on XX/XX/XXXX. I was told to do a dispute & send a photo copy of my state DL to do proof of who I am. I did all of this & also included the results from filing a complaint on XXXX XXXX with you already. The results were told by you that XXXX XXXX on XX/XX/XXXX contacted all 3 major credit reporting agencies to remove this inquiry. 

But only Transunion has refused to removed this inquiry from my credit report. I never had any contact with nor spoke to anyone with XXXX XXXX. I NEVER GAVE them permission to pull my credit EVER!!! 

I even sent your results about XXXX XXXX to Transunion. But they are refusing to REMOVE THIS INACCURATE INQUIRY from 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 2022-09-11
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
To whom it may concern, I recently reviewed a copy of my credit report and noticed that my personal information is incorrect and needs to be updated as soon as possible. The Fair Credit Reporting Act states that all information listed on a consumer 's credit report must be accurate and complete. 

My legal name is XXXX XXXX, this is the only name that should be listed on my credit file. Any other listings that have been placed on my credit file please remove as soon as possible, correct and update my name. 

My employee is XXXX XXXX XXXX, please remove any other listings you have placed on my credit file. Please update my employment history as well. 

Please delete the address XXXX XXXX  XXXX XXXX, Georgia XXXX. This address is incorrect. My correct address should be listed as XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Please promptly remove and update my correct historical data. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28
Company: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions 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:
IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX XXXX ( XXXX XXXX ) ACCT # XXXX 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 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 2018-09-16
Company: 1st Franklin Financial Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I informed First Franklin that I was no longer in position to pay them anymore XX/XX/2018 They should have received their letter XX/XX/2018 and I did send a INTENT TO PAY Letter along with a Notice to Cease Communication letter. And after they received these letters they have continued to withdraw from my account and that is a form of communication.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21
Company: Avant Holding Company, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone placed a hard inquiry using my information between XX/XX/XXXX and XXXX. 

I have made 3 other attempts to speak with someone XXXX and 3 times been told I was being forwarded to the fraud department for further investigation. 

I did not authorize this inquiry and request that any application, account and hard inquiries are removed immediately. 

Please note I know this is fraud as I do not and have never resided in New Jersey.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have a complaint requesting my BK XXXX XXXX reporting on XXXX and BK XXXX XXXX reporting to all 3 XXXX, TU and XXXX be removed because it is reporting inaccurately and unverifiable. 
I have submitted request per these dates and received a VERIFIED as ACCURATE each time per XXXX XXXX. 

XX/XX/XXXX disputed inaccurate reporting of BK ( verified as accurate ) XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX deleted by XXXX XXXX and placed back onto credit report same day ( now appears twice ) same identical BK XXXX XXXX XXXX sent me my 202 page report showing in Section 9 under Bankrupcty that nothing is there. I have attached this document 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