BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-30
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I've contacted Equifax on a number of occasions to dispute the Chapter XXXX on my credit report and I have also explained to them that XXXX and XXXX  do not have a chapter XXXX on my credit report and the representatives and supervisor all say that they are following the law and they can keep an I item on a consumer 's report for 10 years. How does this benefit, Equifax? Why would an agency allow a credit reporting company Equifax to hold consumers hostage? XX/XX/2019 will be 10 years since my Chapter XXXX has been discharged. It is my request that CFPB insure that Equifax removes the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XX/XX/XXXX - The XX/XX/XXXX payment was reported as " late. '' This caused a 45-point decrease in my score in the MIDDLE OF MY HOME PURCHASE. Upgrade admitted fault ( after many, many calls and emails. ) The issue was corrected in about 10 days. This almost cost me my new home. 
XX/XX/XXXX - I paid off the loan in XX/XX/XXXX and on XX/XX/XXXX the same XX/XX/XXXX payment was reported as LATE. This caused a 40-point decrease in my scores. 
I just so happened to have purchased a new vehicle in the beginning of XXXX. Unbeknownst to me, the reason why I didn't get the preferred rate from my bank was because the late payment was already reported to the bureaus. I did not know this until after the fact and too late to discuss with my bank. None of this showed on my credit reporting apps prior to me purchasing my car ... .I would have waited. This is costing me thousands over the course of my loan. I should have a 3.3 % rate and had to accept a 5.25 % rate! 
I haven't missed ONE payment on ANYTHING in YEARS! 
I want compensated ... my bank XXXX XXXX XXXX will not refinance for at least a year. This has been a horrible experience and has caused me so much grief. NOT TO MENTION>>.. NO ONE at Upgrade will ever call me back!! I have had to call them SIX Times! I got the attached email that it can take 60 days for this to be corrected ... I may need to help my parents with a big purchase very soon ... I can't if my scores are not corrected! 
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 2019-04-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
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:
I have been trying to obtain a mortgage and I was informed of an account that is shown as charged and closed with an outstanding balance. I immediately called HSBC regarding this and I was informed by them that I am not authorized to speak to them because I am only and authorized user on the account and not the account holder. When the account holder called and asked that something in writing be sent to me to show I am not responsible for the payments, she was then informed that nothing can be sent with my name on it because I am again " just an authorized user '' HSBC has messed with my credit regarding this account and had done nothing to help fix it. It was never even reported to my credit report that the account has been paid off. I asked to speak to a manager regarding this on going issue and was told he was not available and left my number for them to call and never received call back. This has taken place over multiple days within the last few weeks. The last call that was made to HSBC wad on XX/XX/2019 and I believe another call was also made in XX/XX/2019. I believe there was also another called made but do not recall the date. The only thing this company has done is send a letter to ny mother who is the account holder saying the balance is XXXX however there's nothing on it to show I am not responsible for the payments but it is still reflecting on my credit report. The company said they would bullseye it however I see no reflection of this. The company has made me liable for this and it has now injured me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: EQUIFAX, INC.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent Certified Mail to all 3 Credit Bureau. Equifax / XXXX and XXXX. Requesting verifiable proof of the original signed consumer contract. Under the FCRA, Section 609 ( a ) ( 1 ) ( A ). And of today XX/XX/XXXX none of the 3 major Credit Bureau havent provided any original signed consumer contract.

Company : XXXX XXXX XXXXs / Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX Balance {$7000.00} / Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
The vehicle was promised to put payments on the back of the loan ... when I went to sign the file documents they added more fees after car had broken down six times and couldn't afford to pay their astronomical fees added which were not agreed.. I was taken advantage of and this is robbery ... the car was also stolen ... and repossessed ... I lost my job as a result and thrown out of my home and cr dit ruined ... this is a misjustice ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: SYNCHRONY FINANCIAL
State: NY
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:
Please see attachment. 

XXXX XXXX has reported inaccurate information to XXXX   credit agency. I would like them to provide me with their ledger on my miss payments. My records indicate I was never late on the days they are reporting. 

Thank you and have a great day.

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 2021-06-02
Company: BAM Management US Holdings Inc.
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I am unable to withdraw fiat or crypto currency from the platform Binance.us ( user ID : XXXX ) suddenly and for no apparent reason. I was able at least as of : XXXX XXXX USD XXXX. 
I have over XXXX dollars that I very much would like to transfer into my bank account. This issue is negatively impacting me financially and causing hardship. 

When I try to withdraw either XXXX or crypto, I am given a message that says " Withdrawals suspended due to risk management ''. I have done nothing to warrant a suspension. I have no negative balance, and none of the common issues described on the support site apply to me. One day it was working fine, the next it was not, with no changes made. I appear to not be the only person experiencing this issue when investigating forums such as XXXX. 

I have issued a ticket ( # XXXX ) with the company some time ago and have not received a response. Essentially I feel like my money is being held XXXX, and I have not been given any indication why. This has been going on for multiple weeks. I have tried to no avail at least once each day to withdraw funds. 


This is not an issue with my banking institution ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a few credit cards with a XXXX XXXX and have fallen behind on payments, Im now enrolled in a debt management plan, but in the meantime they call me 10 times a day minimum, they also contact my parents home phone and brothers cellphone and leave voicemails regarding my debt!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: MD
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 consumer as identified in the FDCPA under 1692a ( e ) an I have the right to privacy pursuant to 15 USC 1681a ( 4 ). This identity theft pursuant to 15 USC 1681 ( 3 ). I understand pursuant to 1681c ( 1 ) you have the authority to decline or rescind. This information I am presenting is requested in an affidavit of fact so there is no misrepresentation of the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 consumer as identified in the FDCPA under 1692a ( e ) an I have the right to privacy pursuant to 15 USC 1681a ( 4 ). This identity theft pursuant to 15 USC 1681 ( 3 ). I understand pursuant to 1681c ( 1 ) you have the authority to decline or rescind. This information I am presenting is requested in an affidavit of fact so there is no misrepresentation of the fact.

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 2019-04-30
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
A victim of identity theft. Tried to handle it through the bank they said they have no history with me having an account or anything even given my ssn and still no trace of me next you thing I go into the bank and they said my account is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Experian Information Solutions Inc.
State: NY
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:
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

I have exhausted all other options for correcting my credit report, and the CRA still wont fix the error or errors. I am in the process of talking to a consumer law attorney who can me enforce my rights. 

I have the right to sue a CRA that violates my rights under the FCRA, including continuing to report incorrect information. 

I am requesting that this item be deleted or adjusted in order adequately reflect my true credit history. 
I am requesting that the item be removed or updated to reflect the correct the information. 

Your Company has refused to properly investigate these accounts by saying these are actual fact, when they are NOT. 

XXXX XXXX XXXX XXXX is not my account and needs to be REMOVED IMMEDIATELY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Account is with Wells Fargo and since XX/XX/XXXX of 2016 I have been charged over XXXX in overdraft fees, however accordin ti their written policies a majority of the fees should have never been charged in the first place, upon doing a detailed review of the account it also revealed that the overdraft fees are a huge reason as to why my management of my account was so poor. 

Wells fargo stated verbally on several occassions that they have no set time that you can make a deposit to cover an overdraft before you are charged the fee however in their own documents it states differently.

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 2019-04-30
Company: Cash Express, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I got a payday loan from Cash Express in XXXX Ky and I tried to utilize a debit company to pay it off and they said no that they could not work with debit consolidation! Said took extra licensing! Which was a lie! Then they said they would hold it till my next paycheck, I on social security get paid 1 per month, and then they put it into the bank the day before,! Causing me a XXXX charge, and also sent my checking account upside down! I am still trying to dig out of it! I had to borrow my rent and my bills just to be able to pay them! Thats not right and my attorney told me that was against the law! I contacted state regulator and they said will send me complaints form but not got it yet! I only make XXXX a month! And o had to borrow just to pay my bills! They blew me off and laughed about it! This is wrong! If they do it tome, they do it to others! My friend works at another payday loan service and they are abiding by the law! They have a program if you get in trouble, you can utilize like the laws says they got to have in Ky! She say Cash Express is notes for doing that and its sgainst the law! My phone number isXXXX! Please help me!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Bliksum, LLC
State: CA
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:
When l checked my XXXX  Credit Report, l noticed that an unknown hard inquiry was made by XXXX XXXX on XX/XX/2017 which l have no idea about it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Jon Barry and Associates, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an alleged medical debt in the amount of {$6300.00} reporting to my credit currently by XXXX XXXX XXXX, in error. I have attempted to dispute this matter with the agencies as well as I have requested validation on this account. This has been falsely reporting to my credit report and has caused major damage to my score. Please note that I was unemployed from XX/XX/XXXX- XX/XX/XXXX of 2016 and did not have any funds for any of my bills at the time. I fell behind on everything from my car payment, which was eventually repossessed, my credit cards went into default ( however XXXX XXXX worked well with me and I am proud to say I was able to get it taken care of ), my insurance lapsed, as well as I was unable to come up with my rent during this time. I was also in school at the time and was having to find ways back and forth to ensure that I would not fall behind on my education. I am doing the very best that I can but do not know what to do at this point. I am attempting to work on my bills but do not find it fair that I would be responsible for things that are not mine. Please help me get this matter resolved. I do not want to result to litigation regarding these types of matters but I do n't know if I have any other choices. Please tell me what I should do????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

I have exhausted all other options for correcting my credit report, and the CRA still wont fix the error or errors. I am in the process of talking to a consumer law attorney who can me enforce my rights. 

I have the right to sue a CRA that violates my rights under the FCRA, including continuing to report incorrect information. 

I am requesting that this item be deleted or adjusted in order adequately reflect my true credit history. 
I am requesting that the item be removed or updated to reflect the correct the information. 

Your Company has refused to properly investigate these accounts by saying these are actual fact, when they are NOT. 

XXXX XXXX XXXX XXXX is not my account and needs to be REMOVED IMMEDIATELY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/XXXX I purchased two couches, ottoman and a table from XXXX XXXX in XXXX Missouri for {$2800.00}. XXXX XXXX used Capital one as a lender for the purchase. We have been waiting for a card in the mail to set up an online account to pay for this purchase. While waiting on the card we made a phone call and payment on XX/XX/XXXX since the card had not arrived. Last month I called Capital one and they said they could not give me any account information to set up my online account and that the card would be sent to my address to set up my account. I called them today XX/XX/XXXX CST and was transferred to the fraud department to a lady in XXXX XXXX who couldnt help me unless I knew a passcode for the account, and since I didnt even set an account up she said I couldnt be verified of who I am unless I send a copy of my social security and drivers license. Her other option was to go to a local capitol one bank which I cant do because I am overseas in XXXX, and the closest Capital One bank to my home of record I could find was in Texas. I requested to speak to somebody stateside and she transferred me to a Supervisor named XXXX who claimed to be in Florida. She realized that I was not referring to an old account which was closed, and she said the furniture department has a different number I must call. She gave me the following number XXXX. I called this number and a machine answered and asked for an account number which I do not have or my social security. My credit report is already reflecting late payments for this month, and I have no way of setting this account up. I dont know if my last payment even went towards the XXXX XXXX account since Capital one keeps referring to an old closed account I had for a vehicle. The number they had provided I tried looking up on the internet but I could not find any contact information for, so I dont feel comfortable giving my social security number to the machines request. The number I used to contact Capital one was from their website under General Customer Service : XXXX. I am just trying to set up my online account so I can pay my bills while overseas, and I am at a dead end. 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Missouri, XXXX Sales Person : XXXX Invoice : XXXX Phone : XXXX Capital one : XXXX Webpage : https : //www.capitalone.com/contact/

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX XXXX XXXX thru XXXX XXXX  pull a hard inquiry on my credit without my consent. They mislead you by asking you if you authorize SOFT inquiry in your file without affecting your credit but in fact is a HARD inquiry and it actually affect your credit. I called both XXXX XXXX and XXXX XXXX XXXX and they are refusing to remove the unauthorized HARD inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2017 I visited an urgent care facility for a very abrupt illness. My insurance paid a drastically lower amount to the facility. In the explanation of benefits it states that I can not be charged the difference. The ending balance statement says beneficiary responsibility is {$0.00}. I spoke with the medical facility and they stated they already sold the debt and they could not do anything. I spoke to the collection agency that ignored me and asked for a payment plan. All credit agencies successfully disputed the claim except for XXXX. XXXX has told me repeatedly that the collection agency said I owe them and that was all they could do. I have sent the Explanation of Benefits to all parties involved a total of 4 times in the last 365 days and roughly 6 times the two years prior.

Company response to consumer: Closed with explanation