BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-10
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX WHILE CHECKING MY CREDIT REPORT, I FOUND ITEMS THAT DO NOT BELONG TO ME. I REQUESTED LEGAL DOCUMENTS TO VERIFY THESE ACCOUNTS BUT HAVE NEVER RECEIVED ANYTHING. THIS MUST BE IDENTIFY THEFT. I AM A VICTIM OF FRAUD. 

Please delete the following items : 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****. 


You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX ( Original Creditor : 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 2021-04-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The online account system keeps deleting my home phone number. It concerns me that someone is removing information from my account without my authorization. I have emails from Synchrony Bank each time I have put my home number in confirming the change. I have no emails that it is removed but when I log in a few days later my home number is gone. My concern is there may be an issue their account security system or a rouge internal synchrony employee is going in to my account and making these changes. Either way it is a great concern. The emails from Synchrony Bank are XX/XX/2021 and XX/XX/2021 ; XX/XX/2021.

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 2017-10-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax never confirmed my credit report freeze ( the other two bureaus did ) Equifax never provided me with my free credit report ( the other two bureaus did ) I received a text today from Equifax stated " Trusted ID detected activity needing your attention. Log into your acct or call customer service ) -- so maybe I have some product I am not aware of I log into Trusted ID with email and typical password and find I have an account. 
The website said I needed to contact customer service. 
The first time I called, my call was answered in EIGHT minutes. And then I was DISCONNECTED!
So I call back in. I 'm connected more quickly and am typing this as I 'm on the call for 15 minutes and 24 seconds. NOTHING has been provided. I do n't know if I have an account freeze. I have learned NOTHING about the text that was sent to me and I have no assurance of getting a credit report. 
I can not understand the customer service representative, named XXXX. 
THIS COMPANY needs to go out of business. 
PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
16th compliant lexisnexis keeps saying I did not provide new information. What information do they need I provided it I have no idea who XXXX and XXXX XXXX are [ s you can see i have complained about this company 8 times this will be the ninth. Let 's go back to complaints 1 through 7. As you can see they had verified proof that I lived at XXXX XXXX XXXX XXXX XXXX. Guess what the street the address does n't even exist. It was till I did my own research on XXXX maps that I found the street or the address did not exist. Again now after complaints 7 and 8 they are saying I lived at XXXX XXXX XXXX XXXX as verified proof again this is completely FALSE and misleading information!!! Again let me STRESS I want to be crystal clear. lexis nexis stated on 5 different occasions I lived at an address that does n't even exist!!!! Now they are claiming again as verified proof I lived at XXXX XXXX XXXX XXXX. Let me tell you for the 9th time this is FALSE AND MISLEADING information. Again I want to point ot 5 times they said i lived at an address that does not exist. So again I did some homework and guess what the home at the time belonged to a XXXX XXXX and XXXX XXXX.. Not XXXX XXXX . please have this corrected ASAP. They are providing FALSE AND MISLEADING INFORMATION. They did not investigate this just like they did not investigate the 1st 6 complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This is a continuation of former complaint ID : XXXX. After Barclays had credited all the fraudulent charges from XXXXXXXX XXXX {$850.00}, and given me a {$5.00} credit XXXX XXXX in their statement dated XX/XX/2021, I closed the account ending in ... XXXX, which Barclays acknowledge in a letter dated XX/XX/2021, and distroyed my card. I assumed at this point no further charges could be added, but yesterday, XX/XX/XXXX, I received a statement from them showing I owed {$170.00}, a {$180.00} fraudulent charge, again from XXXX XXXX, made XX/XX/2021, minus the {$5.00} credit. As I write this complaint, I have been on hold with Barclays for XXXX minutes. 

How do I fix this so I will get no further fraudulent charges and totally disassociate myself from Barclays and never hear from them regarding this account. This account and Barclays has tied me up for hours due to the bank 's incompetence in handling this matter and seemingly making it very difficult to report fraudulent transactions. 

Before completing this complaint, after XXXX minutes on hold, XXXX (? ) at Barclays agreed to have the charges reviewed for fraudulence. But I still want this followed up by the CFPB. 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 monetary relief
Consumer complaint received 2017-10-06
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a XXXX line of credit. I repaid the company XXXX as was required of me. They added XXXX interest 3 days later. They also took XXXX from my account 2 weeks later. Inbetween the second payment they weee going to take, I contacted the company and asked them for proof and mathematical equations that proved the decimal interest ( XXXX or so ) amount changed to 299 % in a month if the contract states the interest only increases after a year of the line of credit being open. I did not receive a clear response or accurate mathematical equation to justify the added interest. 

I asked the company to stop the interest if I started a payment plan. The company said yes. I paid the company another XXXX and they debited an additional XXXX from my account a few days later after I contacted them to stop payment on the additional charge. Finally, after my account was overdrafted, the company was no longer able to debit money from my personal account. As a result, they opened a new line of interest on the interest they were not able to get, then charged an additional XXXX, totaling a XXXX debt on interest. 

Now, the company is requiring me to pay the XXXX plus any interest it gains at XXXX per month in addition to the XXXX per month payments on the original line of credit, which is now at XXXX. I have corresponded with several people at the company with no one being willing or able to provide a fair option of repayment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Certified Credit Associates, 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: Credit inquiries on your report that you don't recognize

Complaint:
The inquiries on my report I do not recognize. I have contacted the companies and they have told me to reach out to bureaus directly because they could not locate the identifiers I provided. 

Companies are : Certified Credit, XXXX XXXXXXXX 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: Untimely response
Consumer complaint received 2021-11-30
Company: BAM Management US Holdings Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I withdrew XXXX Ether from my Binance.us wallet to my XXXX XXXXXXXX. On XX/XX/XXXX. I withdrew XXXX Ether from my Binance.us wallet to my XXXX XXXX. This is important to note because with in the hyperlinks below you can see the transaction occur from wallet id : XXXX ( which is a Binance.US wallet ) and not my actual Binance.US wallet which is XXXX. My XXXX XXXX is XXXX. 
Stated Transaction XXXX XXXX XXXX XXXX Stated Transaction XXXX XXXX : XXXX I've stated the above for two reasons, the first of which is that Binance.US is staking my ETH without my consent and earning yield on my assets. The second is, when I tried to transfer my ETH back into my Binance.US account it went to the wrong address which is a Binance.US custodian account and not my personal Binance.US account. This address is the one provided to me when I scanned the QR code in my account. Binance.US has confirmed that this report is accurate, but they are now dragging their feet on crediting my account with XXXX Ether. This transaction 'error ' is noted in the etherscan web page below XXXX XXXX XXXX XXXX Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
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:
I send over several dispute letters re : XXXX wring late payments. XXXX is reporting that I made a few late payment back in XXXX and XXXX. I asked XXXX to fix this situation over and over again because it is causing my credit report to be in the negative status. XXXX is reporting that I am 90 late without being 30 late 1st on my credit report. How can you be 90 days late without being 30 days late? This a clearly a violation of the FCRA.

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 2022-04-05
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX | XX/XX/2022 XXXX Inquiry {$0.00} XXXX XXXX XXXX XX/XX/2022 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 2022-04-05
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: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX | XX/XX/2022 XXXX Inquiry {$0.00} XXXX XXXX XXXX XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Experian Information Solutions Inc.
State: CT
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 CHECKED MY CREDIT REPORTS AND I HAVE LOTS OF MISSPELLED NAMES AND ADDRESSES SHOWING. I HAVE ATTACHED MY DRIVER LICENSE FOR PROOF OF THE SPELLING OF MY NAME AND ALSO A COPY OF MY REPORT SHOWING THE WRONG NAME SPELLING ALSO MY ADDRESS IS ON MY LICENSE THIS IS THE ONLY ADDRESS I HAVE LIVED.

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 2017-07-27
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen Loan Servicing is planning on selling XXXX XXXX 's property at foreclosure sale on XXXX XXXX, 2017. XXXX XXXX 's loan modification review is presently in the appeal stage. It is a violation of Regulation X, 12 C.F.R. 1024.41 ( g ) for Ocwen to advance foreclosure while the appeal remains pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I have a Capital One business credit card that is improperly reporting to my personal credit. All business credit card companies do n't report your business credit to your personal credit. That is why there is XXXX XXXX XXXX XXXX for business and FICO for personal. My business is totally separate from my personal and the two should not be intertwined. I have a real estate business that requires me to hold large amounts of debt for sometimes months at a time, then the cards get paid off when a home sells or I refinance. Having a large balance does not affect my paydex score since you do n't get penalized for having high balances on credit cards with business. You do, however, get penalized when it is a personal card. I had excellent personal credit ( XXXX ) and was wondering why I received an e-mail one day from my credit monitoring service stating that my score significantly dropped. I could n't figure out why until one day I pulled my credit and saw that my XXXX was through the roof! Capital One was reporting my business card on my personal credit! This has adversely affected me on the personal side and has not allowed me to get the best rate and terms on my personal loans. I even got denied from an online lender which never happens! When I called Capital One and told them to stop reporting my business to my personal credit report they were extremely rude about it. Their answer was that they can pretty much do whatever they want. My answer to them was just because they have n't gotten sued yet over this does n't make it right. These people need to be stopped! If they do n't comply there will be repercussions. This is wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: DE
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 attempted to obtain a recent credit report from XXXX and the information provided is erroneous and misleading. I have responded to XXXX  about the situation ; XXXX  has done NOTHING to resolve the errors and misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Capital one credit card is showing 4 missed payments. Purchases were made on that account that were not mine and I disputed it directly with the company. They gave me a credit then reversed it while providing proof that it was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: N26 Inc.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello I tried to log in in my checking account from N26 Bank yesterday and it didnt let me. I called a costumer rep and the notified me that my checking account was closed without any information and that I would get contacted by N26 due to this matter. I also notified them that a direct deposit would come in in my account between today and Wednesday in the amount of XXXX XXXX I contacted the sender but unfortunately it was allready sent to my closed bank account. I wrote them several emails regarding this matter but didnt get any response. Prior to closing my account I never was notified by either email or phone. I hope this issue gets resolved ASAP and my direct deposit bounced back to the issuer. XXXX ID : XXXX Use this transaction ID to check against your bank statement. 

Processed Date : Mon XX/XX/2021 XXXX XXXX ( XXXX  XXXX XXXX XXXX This payment refers to the following redemption request : Reference number : XXXX XXXX

Company response to consumer: Closed with explanation