BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-20
Company: Comerica
State: SC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I was suppose to receive my ssi check. I did not. I called social security and direct express. It's now 19 days later and I still have not receive my money. Direct had the wrong address and phone number in the system and I have been calling every 3 to 5 days. Lately I have been calling everyday. For some reason they keep sending my money back. I have missed several doctors appointments and can not pay my bills and eat.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/ 2021, I filed an FTC report for identity theft and sent it to XXXX and XXXX but they refused to remove this item in the amount of {$310.00}. The account was last updated on XXXX/XXXX/2021, which is incorrect. I also questioned the company 's XXXX XXXX, but they did not answer. I'm not sure where this loan originated. My bills have always been paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: WI
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2020-07-16
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: Account information incorrect

Complaint:
XXXX opened on XX/XX/2020 an unauthorized Credit Card account # ( XXXX/XXXX - XXXX ) under my name but with an unknown ( XXXX ) email address. 
XXXX also made hard inquiries on my credit report which reduced my credit score. I have an account with XXXX with another email but I have NEVER applied for credit card EVER with XXXX. This is fraud by XXXX and is purposefully forcing costumers to sign up for their credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
the keep adding charges to my closed account I paid and the said oh not you owe late fee I said XXXX I paid and they keep adding charges. I am retired and on SS not paying XXXX charges. Home Depot stinks

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 2023-02-03
Company: BAM Management US Holdings Inc.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Good morning CFPB, My name is XXXX XXXX! I'm here to report BAM TRADING known as Binance.US, I have previously file a complaint about them and they responded by telling CFPB one of there representatives are going to talk to me to have my wiring information to send my money to me, we'll long story short, someone get a hold of me, His name is XXXX from Binance.US, He have me signed a Docusign form and fill my bank information with it and after all of this they said they're going to send my money to me, since after that no funds have been sent to me. 

This is 2nd week ending and no one will tell me what's going on, I feelt like Binance.US deliberately don't want to refund my money! Holding it hostage for no valid reason 's, XXXX Binance.US representatives keep telling me it's waiting approval, XXXX? Over 2 weeks approval to wire my funds, I don't seems to understand this anymore, Please help '' This is shameful for a company of that reputation to be frustrating t and trying to stole from there customer 's!

I need my money to pay off my mortgage, I'm behind and Binance.US are not ready to sent my money even after have done all they wanted from me... Agencies need to look into that company because they're doing this to a lots of people out there and this is wrong.. I'm just pleading with them to please send my money to me, I'm tired and frustrated right now. Thank you so much CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Experian Information Solutions Inc.
State: OH
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:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX. I need my name and the late payments removed from my credit report. XXXX XXXX XXXX account the was closed for XXXX XXXX XXXX XXXX am not financially responsible for this account or the status of this account. Please delete the late payment at one from my credit file please and Thank You.

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 2021-11-02
Company: Experian Information Solutions 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:
PER THE FCRA 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. 

During the process of reviewing my credit reports I have come across some discrepancies in regards to 2 XXXX XXXX XXXXcounts you are reporting as accurate. The account number is different across all 3 credit bureaus, the date opened is different, high credit limit is not consistent, past due amounts are reporting different, date of last active and date of last payment are all not accurately reporting! I sent this letter out to you all XX/XX/XXXX certified mail I have also been disputing this account for the past FOUR months are all three bureaus continue to come back " verified '' with all different information. Being that this violates FCRA requirements please delete these XXXX XXXX  accounts ASAP. Other letters that I have sent in regards to this account is two verification letters, method of verification and factual disputing. There is no way possible that THREE credit reporting agencies that are suppose to thoroughly investigate accounts still come up with different information! ONE ACCOUNT FURNISHED BY THE SAME FURNISHER SHOULD DISPLAY DIFFERENT INFORMATION! I would like to remind you of XXXX XXXX EXPERIAN INFORMATION SOLUTIONS, XXXX. ( XXXX ). These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer instead just took the debt collectorXXXX word.

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 2019-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Unauthorized/fraudulent transaction I am a customer of Bank of America, and on XX/XX/2019, a fraudulent transaction in the amount of {$100.00} was posted to my checking account. Since I had just made an ATM cash deposit in the amount of {$92.00} and noticed that my available balance was - {$0.00}, I went inside of the branch and spoke with a customer service representative who told me to call Bank of America Fraud Department and file a claim and go back to the teller to get my cash deposit in the amount of {$92.00} refunded while the fraudulent transaction is investigated. I contacted Bank of America Fraud Department and filed the claim, however the representative did not reverse my cash deposit. I spoke again with the branch manager and he asked me to call again and ask for the funds to be released, so he could refund me my cash deposit. I was connected with a representative named XXXX in XXXX, AZ who refused to reverse my deposit transaction and kept saying that the fraudulent transaction could not be reversed. I asked to speak with a manager in that department and was connected with XXXX, who also refused to reverse the deposit transaction. He told me that I would have to wait ten days for the transaction to be processed.

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 2018-10-14
Company: Thomason Law Firm, LLC
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not received any medical treatment or services from this hospital and they are in error. The money owe was for services my wife received. The collection agency has consulted with a law firm who in turn have reported me as owing this debt with is false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My Name is reported inaccurately. I would like to see it fixed rapidly. My personal information is essential. It is defamation of my character. There should be any damage to 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 non-monetary relief
Consumer complaint received 2023-01-24
Company: TRANSWORLD SYSTEMS INC
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An energy account was opened in my name and social security number in two different utility companies in XXXX Tx. I live in Hawaii. 

XXXX XXXX : account open and closed XX/XX/XXXX - XX/XX/XXXX amount owed XXXX. Notified by XXXX a debt collector through XXXX on XXXX XX/XX/XXXX XXXX Power account opened and closed XX/XX/XXXX - XX/XX/XXXX. Notified by phone of amount due XXXX by Transworld Systems Inc a debt collector on XX/XX/XXXX. 

I have contacted both energy companies about the fraud in my name and SSN.

I am in the process of filing a police report here in Hawaii and will need to provide this report to both companies and collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: EQUIFAX, INC.
State: WY
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:
XX/XX/2019 Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is XXXX XXXX XXXX credit card account ending in XXXX, as reported by XXXX XXXX  XXXX XXXX XXXX XXXX, Ohio XXXX. 
This charger off, account record is inaccurate, I am requesting that the account be deleted. And no longer reporting. 
Please investigate this matter and correct the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Speedy Cash reported {$1600.00} as collection on XX/XX/XXXX. Never took this out Tried to contact and no response several times in XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reached out to Nordstrom also i spoke with them so many times also send letters in what they asked for they responded back with another account I dont have no knowledge about the correct account Im complaining about is account number XXXX i was the open the account in 2015 but someone got my account and made charges my wallet was stolen out my car my identity been stolen before prior to this and all Im asking for is the charges i didnt make be removed and my account be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company Caine & Weiner are listed on my XXXX XXXX XXXX XXXX  credit reports for the amount of {$460.00}. This company failed to comply with FDCPA, It's a violation of the collection practices act for a debt collector to refuse to send a validation notice. I have never recieved any notice to validate said debt however, this company placed this account on my credit reports. These types of collection practices are a violation of the FDCPA.I do not have any contract or business signed contract with this company. I do not owe this company nor have I had a chance to express this as this company failed to allow me to validate their said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I visited my local Chase Bank to add my son as beneficiary to my account. The bank employee made a mistake an entered my social security incorrectly to the document. A few days after my visit, I received an email from Chase Bank that my social security number had changed. I worried it was a scam, so I sent a secure message to the bank. They acknowledged sending the email and told me to call XXXX number. I called and could not access account using last 4 digits of my social security number. This occurred on XXXX. Since then I have requested help from them. I received a letter a few days ago asking I complete a XXXX and another form requesting Social Security verify my number. I don't understand why they are asking for completion of these documents. They entered my social security wrong on the document prepared by their employee. Why can't they re-enter the correct social security number?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: HI
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:
Experian is refusing to remove hard inquiries that are not mine, not authorized by, and done so without my consent. 

My email, address, phone number, social security number, passwords to my account are all being sold all over the internet, pastebin 's, and are being reported on security websites, and paid for security watch by Experian. These are attached. My account and credit has been 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 non-monetary relief
Consumer complaint received 2023-06-15
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: Their investigation did not fix an error on your report

Complaint:
i have a total of 24 inquiries i did not authorized in short it was not me! And i have 2 accounts that i want it deleted immediately becuase i have no financial obligation! i when i contact the credit bureau i was ask to submit a report here and add the needed letters and documents so place since i have taken my time to do this can you also take a time to review and submit this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
Company: Experian Information Solutions 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 am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this 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 2021-09-24
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Creditor : Nationwide Recovery Service Original Creditor : XXXX XXXX XXXX Debts : {$250.00} {$180.00} {$150.00} Nationwide Recovery Service contacted me via telephone on XX/XX/2021 to inform me of an outstanding bill from XXXX XXXX XXXX in the amount of {$150.00}. I requested that the send me information in writing so that I could verify the debt. The company emailed me a correspondence on XX/XX/2021 with how I could access information and get the debt verified ( see attachment ). The email said that I had 30 days to request that the debt be verified. 
On XX/XX/2021, I received an alert that Nationwide Recovery Service had reported three collections on my credit file with XXXX and XXXX. The representative never said I had three accounts and the correspondence they emailed me was for one account ; however, Nationwide Recovery Service reported three separate accounts to XXXX and XXXX. 

I was not given the lawful time to get this debt verified before they reported it on my credit file. The company did not stop collection activity until it provided the required verification nor did they allow me the opportunity to even request a verification prior to them reporting it. 

I reported to the company that they had a previous address incorrect and that the name on the account was also incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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