BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: TRUSTMARK CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2023, I authorized a one-time payment, in the amount of {$96.00}, with XXXX for Order # XXXX. The total amount of {$96.00} has been placed on hold with my financial institution : Trustmark. On XX/XX/2023, I was alerted to a second hold using the same Trustmark account for an additional and separate hold, in the amount of {$71.00} from the same merchant for the same items. I called my financial institution to dispute the transaction and request a reversal/release of a second hold that was not authorized. Initially, I was informed the second hold would fall off within 5 to 7 business days. I stated, " I need access to those funds immediately and didn't grant permission for an additional hold to be placed on the account in no form or fashion. '' Trustmark call center indicated the problem or issue was on the merchant 's side ; however, the merchant always indicates they only submit one authorization hold. I was later told to have the merchant fax an authorization release to the financial institution as Trustmark had no method to release the funds back into the account. I then traveled the nearest local branch of Trustmark in XXXX, TN XXXX. I had spoken with Vice President XXXX XXXX XXXX NMLS # XXXX, informing her I've had this happen on several occasions with other vendors as well. XXXX XXXX indicated several merchants practiced the same method and required the merchant to fax the authorization in. While within XXXX XXXX 's office I was in contact through telecommunications with XXXX explaining the placement of two holds when I only authorized one. In previous occurrences, XXXX provided documentation through email of only submitting one transaction request. I was on the phone with the merchant while also within the XXXX Trustmark branch so everything can be verified but XXXX XXXX suggested to return to the lobby to speak with the merchant due to not being able to discuss the situation while I was listening to the representative. I returned to the lobby. The representative from XXXX verbally provides an authorization of release code to provide the teller. I returned to XXXX XXXX 's office. In which, she provided a business card with fax information. I left the financial institution with the impression my right was infringed on under U.S.C Title 12 under the constitution.

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 2019-04-09
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: Problem with personal statement of dispute

Complaint:
I recently sent a letter to Experian asking them how they verified 2 accounts that are on my report XXXX XXXX and XXXX XXXX XXXX. The letter was recieved by Experian on XX/XX/2019. I did not receive a response until XX/XX/2019. 
According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give you method of verification within 15 days of your request. 
That is well beyond the 15 days allowed. Additionally, I recieved a letter from XXXX XXXX XXXX dated XX/XX/2019 and recieved by me on XX/XX/2019 stating that THEY HAVE NO SIGNED CONTRACT. In the second paragraph of the attached files. 
So AGAIN I ask Experian how did you verify/conduct a reasonable investigation the account with XXXX XXXX XXXX  if you have NO signed documents to substantiate the account?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: PA
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:
I have reviewed my report recently. There were names and addresses on it that are incorrect, spelling errors or just plain wrong. PLEASE FIX EVERYTHING in my personal information that is NOT correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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: Information belongs to someone else

Complaint:
I have had a loan previously with this company XXXX. It was a personal loan of XXXX I opened back in XX/XX/XXXX paid off XX/XX/XXXX. I never missed a payment with them, yet, it doesn't show positive account pay off. 
They also have listed another XXXX loan that was taken in XX/XX/XXXX. That depending on my credit report there is one or no payment made to this account. Then it went to CO. I did not take a loan out during this time, nor did I use XXXX. Later that account, this information was sold to another company. So, my information was shared to yet another company without my knowledge or consent. I have been doing credit research and working with credit repair companies ( XXXX  ) since XX/XX/XXXX. I have sent letters and made calls to XXXX. I'm redirected to this new company that I have never had any communication with. I receive no response. And I have had only further and greater impact to my credit and lifestyle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I discovered on XX/XX/23 that my ~ $ XXXX in funds on Binance US is locked for no reason and with no warning, as a result I can not access the money that I desperately needed. I reach out to the company many many times over the past month to no avail- didn't even get a response from them whatsoever, and it's been A MONTH!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 really need assistance with making sure the bureaus delete this fraudulent account and it stays deleted. Last much I reviewed my credit report online as i do every month and I noticed a new account XXXX XXXX XXXX  for {$1900.00} which turned out to be a medical collection, I was immediately alarmed because I have not been to the emergency room or hospital in years nor have i visited a doctor. I called the company thinking surely they have me confused with another because I have a very common name but more alarming still it was my information! I went to the police station right away to report this fraudulent use of my information and disputed the account with all 3 credit bureaus as fraud. So far the account remains, I will attach a copy of the police report. Please help.

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 2023-07-17
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX XXXX XXXX XXXX made a payment of {$34000.00} from its XXXX account to the account of XXXX XXXX XXXX XXXX XXXX XXXXXXXX, opened in XXXXXXXX XXXX XXXX XXXX XXXX  XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX XXXX XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXXXXXX XXXX asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: LEXISNEXIS
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 received a reinvestigation letter dated XX/XX/2021 response from LexisNexis case XXXX regarding incorrect address and the Bankruptcy, stating the information was VERIFIED. I had requested a Legal Method of Verification of DATA FURNISHER for the Bankruptcy, which I didn't received. I received a document response through Consumer Financial Protection Bureau on XX/XX/2021, from LEXISNEXIS that Ms. XXXX 's profile was REMOVED. But I keep getting letters in the mail from LEXISNEXIS stating all their investigations are all VERIFIED, I am not understating how the information was legally verified. Especially now when LexisNexis is inaccurately reporting information within their company of my records they have on file, from unverified sources, even when the courts stated they don't report any Bankruptcy files to any credit reporting agencies. I am including the documentation that was sent to me XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Nelnet, Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Student loans are reflecting a negative effect on my credit report which gives other companies the opportunity to be biased based on negative marks on my credit report. To my understanding I am protected by law and companies can not use any potential negative credit reports that may be used against me and this is hurting my credit when I try and take out a mortgage giving the lenders an opportunity to become biased which is unlawful. I want the dept of education off my credit report immediately, and also any addresses that are not my current address which is XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX. I am looking to buy a house and I do not need any negative inquiries that may hurt me such as the ones I spoke about above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
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:
XXXX ; Experian and XXXX are reporting a collection on my credit report that originated with XXXX XXXX but was sold to a third-party collection agency in 2013. ( Please see page 8 of the attached credit report ). However the date of last activity is over 7 years old and this reporting is a Fair Credit Reporting Act violation. This incorrect reporting is harming my credit score.

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 2020-10-21
Company: WELLS FARGO & COMPANY
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Wells Fargo recently denied credit XXXX XXXX XXXX, XXXX, NE involved in corrupt business practices. 
XXXX XXXX, a lending company with XXXX XXXX XXXX ( XXXX, NE ) was used to obtain personal information and is attempting to use that information in ACH scam. 

There have been additional violations to my credit ; all after, I cleared my credit through Federal Banruptcy filling XX/XX/2018. 
Absoulutely, nothing should prevent me from gaining creditworthiness.

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 2019-11-01
Company: Avant Credit Corporation
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2019 I applied for a loan on Avant.com the issue that I have is they advertised its a soft credit check meaning it wouldnt effect my credit report at all they send me a email in XX/XX/XXXX that it ended up being a hard inquiry on my credit False advertising and messing up my credit score I been trying to contact them on multiple occasions Multiple emails I get we have received your inquiry thats all I get and nobody has gotten back to me as of yet this has been frustrating and stressful as well first off they lied and months later 8 months they finally notified me that they did that so I see this as an issue and I tried resolving this with them but now I rather go through you guys to see what can be done

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Consumer Portfolio Services, Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Consumer Portfolio Services account # XXXX is reporting an Auto Loan of {$1800.00} on " ALL '' 3 Of my credit reports. I contacted Consumer Portfolio Services about the account & was threatened if I didn't get on a payment plan, this will remain on my credit reports. I didn't understand why they couldn't remove the account since it's past the statue of limitations ( Isn't it my right to have this removed? ) I was easily manipulated into getting into a payment arrangement of {$150.00} a month until the balance is paid off. Since I no little about credit & these situations affect my job I made a payment XX/XX/2019 of {$150.00}. I later was researching and saw after 7 yrs. a closed account should be/could be removed due to your rights under the Fair Credit Repotting Act. I tried disputing this with the credit Bureau 's but they will not remove the item. This account is past 7 yrs. old, it's 7yrs and 4 months old. Can you please help to remove this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Midwest Recovery Systems
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
The report on my credit report by collections is fraudulent i never saw a doctor and charge {$1000.00}. collection company hung up on me and never gave me details. XXXX XXXX XXXX is the company that called me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Penn Credit Corporation
State: OH
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:
Not my account. Did not receive any mail to dispute account. Please provide method of verification, validation of debt and assignment of debt for this account. 

PENN CREDIT CORPORATION # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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 sent out 4 debt validation letters to this company requesting to show proof that they have the legal right to be on my credit reports. Each dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609 and Section 611 which states if the UNVERIFIED items listed below are not deleted immediately. I Have been ignored with each request. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks

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 2020-09-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-04
Company: ENCORE CAPITAL GROUP INC.
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 have had an ongoing issue with Midland credit management. I have filed both an FTC report and police report and made this company aware that these are not my accounts. They requested an updated FTC Identity Theft report with the account numbers and the date I was made aware of the fraud. I have listed it on the report. I am demanding this company delete both accounts or further actions will be taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XX/XX/2021 I was informed that I received a collection call at my job from MrXXXX  XXXX w/ cane & wiener. They left their phone number XXXX. I have not once been contacted by them before, and my employer doesnt allow for me to have personal calls at my job. 

I could lose my job thanks to this. I tried calling them multiple times to ask for them to cease calling my employer as I know my rights. However they have not answered any of my phone calls. 

I have no prior information as to what this collection call is about, but its imperative for this harassment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Everest Receivable Services Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i am not working collecting from unemployment mass law states you can not collect from people if that is your only source of income.

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