BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-31
Company: EQUIFAX, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been seeking to have Equifax remove fraudulent inquires from by credit report for the last several months. I was repeatedly told by Equifax that I could not question these inquires and that I had to contact the issuers that made the inquire and have them report to Equifax that these inquires were made due to fraudulent activity. Despite the fact that I am not sure I did not have the right to question these inquires, the problem was that I had contacted the issuers multiple times, and each of them indicated that they had so reported to Equifax more than once. After months of effort, an Equifax representative finally told me that I could have these inquires investigated by Equifax if I faxed a written request with certain information and supporting document. I did this on XX/XX/2019. On XX/XX/2019, Equifax sent me a letter stating that they were unable to locate my credit file. This is a blatantly implausible statement. Equifax had sent me my credit report on XX/XX/2019, and it was identified by a specified Confirmation Number, which I was required to include in my letter. Thus, it is simply impossible to believe that Equifax could not find my credit file using its own Confirmation Number. This seems to me to be a continuation of Equifax ' unwillingness to take reasonable and appropriate action to investigate and correct, as appropriate, false items on one 's credit report and to throw up obstacles to doing so. Equifax claims that it need me to mail it evidence of my social security number along with official evidence of my address. It is incredible that Equifax would request anyone, let alone someone who already had their identity stole, to send such personal information throught the mail, especially when Equifax was already provided, at its insistence, with their own Confirmation Number for my credit file. No one should have to risk, needlessly, sending such information through the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Accounts are fraudulent and would like them removed from my Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I noticed XXXX Credit Card today that I am unable to meet the minimum payment requirements. I had a change in income due to someone in my family losing their job. They informed me that there was nothing they could do and that they would not lower the monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Didn't receive services that were advertised

Complaint:
I am a victim of inaccurate/unverifiable and fraudulent misinformation. I am writing to request that you block the following unrecognized and/or fraudulent information from my credit report. I have no idea how the misinformation come to take place. I also have no knowledge of any person/persons/or entities that might be responsible. I have not received any money, goods, or services as a result of the disputed misinformation.

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 2018-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/18 a dispute was sent to XXXX, XXXX and TransUnion regarding XXXX XXXX # XXXX {$18000.00}, XXXX Loans {$17000.00} Per the certified mail receipts, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.

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 2022-07-12
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of XXXX i contacted target regarding fraudulent charges that had occurred on my Target sore card account. The fraud department assured me i will not be liable for said fraud charges and they will initiate an investigation. I asked in the meantime what will i do about the balance and the representative informed to do nothing until i receive a letter about the results of the investigation. 

Fast forward to XXXX i was alerted by XXXX that i have a XXXX late payment from Target store card. I was shocked because i did not receive any correspondence from target since i last spoke with them in XXXX. When i called the customer service number i was told the instigation was completed XX/XX/XXXX and i had a balance left on the card that became past due. I informed the representative that i never received any correspondence from target regarding the completion of the investigation nor did i received any alerts/Emails/Calls or letters that i had a balance due. They apologized and had the matter escalated to the rep who handled this case. I was told the XXXX late report would be removed but no such thing has happened. My credit score has dropped by XXXX and im in the middle of purchasing a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had these insurance companies. I was a victim of identity fraud and it was documented. This company CCS Collections has placed 2 accounts in collection. No notice via phone, email or mail to my home. I never had these insurance carriers. I also never got any calls or emails like I previouslt stated. How can this be placed in collections without validity? That's against the law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Madison Management Services, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan was transferred XXXX ( SEE PROOF ) was behind, mortgage statement showed {$970.00} as you can see then {$2000.00} which is correct mortgage, said was {$8000.00} behind i paid it! IVE BEEN ASKING FOR PROOF OF PAYMENT HISTORY, PRIOR AND NOW WITH NEW SERVICER and all i get is a statement THATS NOT WHAT I NEED! I didnt mess up the transfer now there is a sale and want a huge down payment knowing i only owe $ XXXX and house worth $ XXXX. Need to modify loan and i am trying to get another hard money loan but need time and NEED PROOF OF ORGINAL NOTE, PAYMENT HISTORY NOT STATEMENTS! Know am behind but when servicer sends INCORRECT MORTGAGE STATEMENT then WANTS TO FORECLOSE is ILLEGAL!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
See report attached delete account and fraudulent unauthorized inquiries

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 2019-10-16
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was directed by the office of the Comptroller of the currency to file a claim with your department the case that was with that office # XXXX. 

To whom it may concern my account was closed back in XX/XX/2019 with Wells Fargo bank. On XX/XX/2019 a refund went via my old debit card with Wells Fargo for {$2500.00} from merchant XXXX I informed the merchant that no longer had a account with Wells Fargo I was instructed the payment had to go back to that card. At the time I contact Wells Fargo multiple times XX/XX/XXXX to XX/XX/2019 in the beginning Wells Fargo informed me anytime the account is closed more than 30 days anything trying to come in or out of the account will be blocked. On XX/XX/2019 the payment came in Wells Fargo fraud department and was blocked on XX/XX/2019 it was picked up by Wells Fargo collections department. At the time of closure in XX/XX/2019 there were a few claims that I open regarding the negative balance with Wells Fargo I never received the proper resolution pertaining to those claims so they were re-open. I received a letter dated XX/XX/2019 Dear XXXX XXXX, we completed our research of the Inquiry about charges of {$2500.00} on your account. Based on the information available to us we have to determined the transaction was authorized or that a processing error did not occur. Please consider claim close. 
Their decision is Vague and untrue. It not Concerning Charges it base on a merchant refund to a close 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 2018-08-04
Company: Lending Club Corp
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Complaint/Consumer Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Business Information LendingClub Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Advertising Issues Problem description : In XX/XX/XXXX of this year Lending Club sent me a letter which contained fake checks for {$5000.00}, {$10000.00} and {$20000.00} in my name. The letter told me that I was Pre-Approved for any of those amounts. I ignored them. Then in XX/XX/XXXX my air conditioner failed and was quoted a new one for {$9600.00}. I called Lending Club about their offer and asked them if it was still valid. They said it was then I asked for a loan of {$10000.00}. I was told that I really only qualified for {$2000.00} at an interest rate of about 26 %. They told me that Pre-Approved does not mean Pre-Approved. What it really means is that I can apply for a loan to see how much I actually qualify for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
The account name is SANTANDER balance $ XXXX # XXXX 30 days late in XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: MS
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: Didn't receive services that were advertised

Complaint:
I am a victim of inaccurate/unverifiable and fraudulent misinformation. I am writing to request that you block the following unrecognized and/or fraudulent information from my credit report. I have no idea how the misinformation come to take place. I also have no knowledge of any person/persons/or entities that might be responsible. I have not received any money, goods, or services as a result of the disputed misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I was notified by Coinbase via email of a transaction sending approximately XXXX XXXX ( {$1700.00} at the time ) to a XXXX wallet. I had two-factor SMS verification enabled on my account, and I had not received any text messages, so I thought I had nothing to worry about. My account was drained of my holdings. I informed Coinbase via email, but got only automated messages in response. I tried to call, but was informed that I had to be a Coinbase Pro member to get live service. I disabled my account at this point to avoid further issues. I reported the theft to my local police department, who investigated it to their best ability. I contacted my cell phone service provider to inquire as to whether my SIM had been hacked, and they answered that it had not. Only recently has news surfaced that Coinbase suffered a security breach that allowed for an actor or actors to subvert SMS account verification and steal funds from members. Supposedly, the latest known date of this breach was XX/XX/XXXX, after which Coinbase was able to correct the problem. Again, the date of the theft from my account was XX/XX/XXXX. Coinbase may be unaware of the fact that the theft extended beyond XX/XX/XXXX, but I have no way to contact the company directly to inform them of my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Some time in XXXX a bank account was opened at Bank of America. Here are the pertinent dates : Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX. Account # : XXXX. This account was opened while I was in the XXXX XXXX XXXX XXXX serving a term of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I disputed this account through XXXX XXXX XXXX  as instructed by Bank of America. Within 14 hours of the dispute, XXXX XXXX XXXX XXXX XXXX ) deleted the entry and blocked B of A from making anymore entries on to my report. 
The dispute was sent to the wrong department at B of A ( regular disputes as opposed to Identity Theft disputes ). Rather than leaving everything in place and transferring the dispute to the right department, B of A denied the dispute as accurate and the freeze and deletion were rescinded. I believe a violation of federal law occured when this was done. I had two applications that were denied in the past 48 hours because of this. XXXX was for an apartment and one was for a credit card.

Every other company that received the supporting documents ( I believe the total was 9 ) immediately removed the entry from my credit bureau. 
Today, I called B of A and spoke to no less than 4 different departments. Finally, a manager advised that I pay the amount ( approximately {$270.00} ) and that would at least show that the overdraft ( even though it was identity theft ) was paid off. Once I paid the amount I was told that nothing could really be done because by paying it, I basically admitted the Identity Theft didn't occur. 
This was so egregious that I don't have words for it. It is the the type of behavior that put me in XXXX in the first place. 
Bank of America did no investigation. They lied to XXXX XXXX. They cut corners and tricked me into paying a debt that was not mine. 
The truth is that they don't even have to rely on any documents that I send them. If they took five minutes to do a XXXX search of my name they would see that everything I state is the truth as my case is all over the internet. 
I request they be fined or punished in some fashion. I ask that the funds I paid them them today be reimbursed and they be made to remove the negative entries on both XXXX XXXX XXXX and XXXX immediately. 
Thank you for taking the time to read and investigate this.

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 2022-02-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-07-12
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/XXXX, I sent a letter to credit bureaus that I illegally owe XXXX XXXX XXXX Acct # XXXX. I disputed the accuracy of this account and told them that it is incorrectly reporting. Furthermore, asking them to provide proof by verification that this collection agency account belongs to me. All rights under FCRA 611 ( a ) ( 7 ) and FCRA 623 are invoked, thus demand for a complete description of methods used to investigate the dispute is required. The e-Oscar 2 digit code read out will not be acceptable. Unfortunate credit bureaus often use software that does not complete thorough investigations and does not qualify as verification according to law. As requested a complete list of all documents and correspondence with the original creditor, including, but not limited to : 1. All names and contact information of employees spoken to as part of the investigation ; and 2. Hard evidence that goes all the way back to the original creditor ; and 3. Information regarding the entire lifecycle of the loan ; and 4. Who originally wrote the loan ; and 5. The date of the loan ; and 6. Original contact information ; and 7. All letters and documents sent.

If unable to perform an investigation or locate the necessary documents they are required by the FCRA to remove the information from the reports including complete removal of 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 2022-02-11
Company: World Acceptance Corporation
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 information incorrect

Complaint:
World Finance Corporation and I had an agreement on XX/XX/2022 for a payment of {$430.00} to satisfy the account as paid as agreed. 
However the creditor sent a settlement letter with the header date of XX/XX/2022 which was dated by the United States postal service as XX/XX/2022 requesting {$430.00} be paid by XX/XX/2022. The letter sent from the creditor is fraudulent and is a violation of the original agreement, because I sent a certified letter and cashiers check of {$430.00} on XX/XX/2022 in agreement for paid as agreed. The creditor deposited the check but fail to honor the agreement made between myself and the company as paid as agreed with a XXXX balance and report the correct update on the credit bureau reporting agents. Also the reporting amount due before the {$430.00} was {$720.00} and the original amount was {$960.00}, well the balance has changed several times after receiving the agreed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, 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:
To Whom It May Concern : YOU ARE BREAKING THE LAW According 15 U.S. Code 1605- Finance Charge ( a ) Finance charge defined Pursuant to subsection ( A ) Finance Charge Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.

The finance charge is the sum of all charges which is equal to ANY and ALL payments. So when I, XXXX XXXX XXXX, entered into a consumer credit transaction for these accounts, they were paid off at that moment. 

I demand the late payments on the account ( s ) listed below be removed from the immediately. 


XXXX XXXX XXXX to the timing of payments

Company response to consumer: Closed with explanation