BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Act Name : XXXX XXXXXXXX Act Name : XXXX XXXXXXXX Act Name : XXXX, XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681, XXXX XXXX reported on hard inquiry on XX/XX/22 due to unauthorize transaction that I am unaware of without my written instructions.

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 2023-04-05
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have reached out to XXXX, Equifax, and XXXX XXXX by phone call to address the issue about how they have violated my rights according to the FCRA. 

15 U.S Code 6801-Protection of nonpublic personal information 15 U.S Code 6802-Obligations with respect to disclosures of personal information 15 U.S Code 1681 Also I have not given none of the Consumer reporting agencies written or verbal consent and was never notified that my private information would be reported or used in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX account # XXXX, XXXX  Account # XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-12-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A person reached me out in XXXX XXXX to sell me a bag I was looking for. This person 's name is XXXX. I know there's XXXX in my XXXX XXXX, but unfortunately, it is an identity theft of XXXX XXXX that pretended to be her. I paid {$5000.00} to scammers Paypal through friends family transfer not knowing its the ID thrift s account. I contacted the real XXXX and found out it was a scam. She never contacted me. It was someone using her name and copying her XXXX account. I immediately send the money request to the scammer 's account to try to reserve. It didn't work. I contacted PayPal and my bank to hold the fund since its still on hold status at the scammer Paypal side. The scammer tried to call me on XXXX XXXX. I didn't answer. I called Paypal and XXXX XXXX to stop the fraud before it went through on XXXX. Unfortunately no customer service opened after hours. The fund was from both my PayPal balance ( {$1900.00} ) + bank savings ( XXXX ). I contacted my bank to restrict my bank before money was requested from Paypal. I filed a dispute ( XXXX ) on XXXX with PayPal but got denied XXXX XX/XX/XXXX since they said they do not liability with personal transfer even if it is a fraud and will not hold funds. The fund just went through today on XX/XX/XXXX. It is very disappointing because I contacted right away at that point. This person is not the person I intend to transfer money to. This person used a fake ID and name. I do not understand Paypal has the power to hold the fund and invest on suspicious accounts but it didn't. The receipt is a criminal. Paypal said the fund will charge me back as a negative account. I do not want to pay Paypal anymore. I wish to get my fundsback. I have tried everything I can and provide all information to the bank and Paypal. I filed the police report : XXXX with XXXX XXXX on XX/XX/XXXX. Please justify and stop this criminal. Thanks. 

PS. 
Another victim : From the XXXX XXXX, on XX/XX/XXXX, another victim XXXX also got into the fraud with the same scammer to the same Paypal account using the same way. But due to my dispute, the scammer 's Paypal transaction didn't go through. The scammer gave her another bank account to transfer money via XXXX ( for a purchase of a goods ). Scammer provides the address and bank account number to receive money ( {$4700.00} ) from XXXX successfully. XXXX contacted me because the real XXXX told her I am also a victim. The real XXXX is filing identity theft. XXXX gave me the scammer 's bank info- Name : XXXX XXXX XXXX XXXX : XXXX address : XXXX XXXX XXXX, XXXX XXXX, XXXX. postal : XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2021 XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$6700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} XXXX  XXXX Balance : {$190.00} XXXX XXXX Balance : {$81.00} XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX Balance : {$340.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$120.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
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: Account status incorrect

Complaint:
Equifax just reported a 30-day late mark ( XXXX XXXX ) on a XXXX account for a car that I paid off with a trade-in at a local XXXX dealer in XX/XX/XXXX. In addition, Equifax reports three consecutive " 60-days-late '' from XXXX XXXX. This clearly violates the FCRA, because the payment history is false and inaccurate. It's also a deliberate attempt to damage my credit. 

I DEMAND that ALL of these late payments be removed IMMEDIATELY from my Equifax credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Sunbit, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I signed up for and was approved for a XXXX Credit card in XXXX of 2021. When I made my initial purchase ( only purchase made to date ) I selected the " XXXX XXXX, 60 months equal payments '' At that time the payment for 60 months was to be {$400.00} per month. Recently starting in XXXX, my accounts minimum payment has increased to XXXX dollars. What I have learned in dealing with Comenity Bank and XXXX is that Comenity is no longer servicing XXXX customers. And that the old customers ( such as myself ) were retained by Comenity Bank. Comenity Bank went through a major upgrade on XXXX and there entire system was down for a week or more. After that update, is when my payments changed. It appears that they no longer have me on the " 60 month equal payment plan '' and my account has been defaulted to a standard revolving credit account. I need the terms of my original purchase to be honored. I need any and all late fee 's to be reversed. I have made every payment of XXXX dollars since my purchase. I have tried numerous times to work with Comenity and XXXX to get this resolved. XXXX, although they agree with me and have explained to Comenity what happened, ultimately are unable to help get it resolved. Commenity, is unwilling to listen and to date have not offered any resolve to the matter. I still have my original purchase email which clearly states that I chose the 60 month equal payment option.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-13
Company: SYNCHRONY FINANCIAL
State: AL
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 didnt give anyone permission to run my credit report. Company agreed to delete inquiry.

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 2021-01-17
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I discovered that someone within Coinbase had made several unauthorized transactions on XX/XX/XXXX. I was shocked because my account balance just dropped {$1200.00} while the Bitcoin is still going up and I did not do any transactions in my account. The balance should be {$6200.00}, not $ {$4900.00}. It appeared that they had sold my positions in Bitcoin and Ethereum and used the credit to purchase other Altcoin positions of cheaper value. They even accessed my linked checking account to pull additional funds for these purchases. I emailed their support team to refute the transactions and my account was immediately disabled on XX/XX/XXXX. I then contacted my bank to complain about the unauthorized access to my account and they reversed the transactions and returned the funds. I changed all my passwords and user names as instructed by the Coinbase support guidelines and attempted to re-access my account. The next Coinbase email I received instructed me that it would take 9 business days to re-activate the account. On XX/XX/XXXX, I received an email from Coinbase saying " Funds recovery complete '' Sign in to Coinbase but the reset passwords link to sign in are not even working. Over the next few days, I received some robotic emails with a link instructing me to furnish additional funds to the account in order to re-activate it. Instead, I responded with the original complaint about the unauthorized transactions and requested that they restore all my original positions in Bitcoin and Ethereum along with my access so that I could continue trading. I have not received any further response and now my emails are getting bounced back stating the email address I was replying to doesn't exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions 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:
I sent a letter on XX/XX/2022 addressed to the Credit reporting agencies requesting to remove the following fraudulent information ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$330.00} XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$2600.00} ) that are completely UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX, XXXX.Ive already included this in my previous Complaint # XXXX, # XXXX, # XXXX & I am including these items once again.

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 2022-12-13
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account is a billing error.

This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request your company provide me with documentary evidence validating this alleged debt.

If no such evidence of indebtedness exists, and the only indebtedness is by agreement, you can not lawfully furnish this inaccurate negative information to the credit reporting agencies.

The United States is bankrupt. If this alleged debt is valid, what authority do you have to collect this debt in the United States?

If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us void and unenforceable.

Does this account include a finance charge? If so, does the finance charge include a premium the protects the creditor in case of default? Has any insurance been filed on this account? If a 1099c or any insurance has been filed on this account, you have no right to continue furnishing this inaccurate information to coerce repayment of this extension of credit. The continued reporting of this inaccurate information would constitute a breach of fiduciary duty.

Since there is no law under the Fair Credit Reporting Act requiring your financial institution to report negative information to a consumer reporting agency, your company is knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. 
XXXX  companys policy does not supersede federal law. I am demanding this charge off is UPDATED to PAID AS AGREED with a {$0.00} balance and a DELETION of all negative information be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.

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 2022-12-13
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RECEIVABLES MANAGEMENT SYSTEMS at XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX has reported a medical debt to XXXX credit bureau in the amount of {$410.00}. I do not know this company. I have never done any business with this company. This company does not have any legal documents with my signature bonding me to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase replied that on claim number XXXX for debit card transactions to XXXX totaling {$750.00}, they only approved the claim for two of the transactions totaling {$61.00}. They denied the claim for the remaining transactions because they were not reported to Chase within the 60-day timeframe. On the claim number XXXX for debit card transactions to XXXX totaling {$370.00}, Chase approved the claim for all the transactions except for one transaction for {$12.00}. The claim was denied for the last transaction because it was not reported to us within the 60-day timeframe. I asked Chase to provide a list of all the denied transactions to make sure the denial is appropriate. We notified Chase about fraudulent transactions on the minor 's account on XX/XX/2022. As such, Chase should refund all the fraudulent transections that occurred after XX/XX/2022. There is a sentence in the letter from Chase that I am not understanding and would like them to clarify : " These transactions occurred more than 60 days after we sent the first statement for the transactions on your related claim. '' Based on the attached document, Chase incorrectly denied refunding of the fraudulent transactions. Besides, the amount on the transactions they sent in their latest later does not match up with the original not-refunded amount of {$700.00} they communicated earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Minto Financial dba Minto Money
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
This lender is in a class action suit because its a predatory loan with 7000 % interest. 



IN THE UNITED STATES DISTRICT COURT FOR THE NORTHERN DISTRICT OF ILLINOIS EASTERN DIVISION MATTHEW HALL, ) on behalf of Plaintiff and the class ) members described herein, ) ) Plaintiff, ) ) v. ) ) MINTO DEVELOPMENT ) CORPORATION ; ) BENHTI ECONOMIC ) DEVELOPMENT CORPORATION ; ) XXXX XXXX XXXX ; ) MINTO FINANCIAL d/b/a Minto Money ; ) and JOHN DOES 1-20, ) ) Defendants. ) COMPLAINT CLASS ACTION INTRODUCTION 1. Plaintiff, XXXX XXXX, brings this action to secure redress against the making of usurious loans to Plaintiff ( Exhibit A ) and other Illinois residents by Defendants Minto Development XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), Minto Financial d/b/a Minto Money ( Minto Money ), and XXXXXXXX XXXX XXXXXXXX. 
2. Plaintiff seeks a declaratory judgment that the loans are void and an injunction against their collection ( Count I ), damages pursuant to the Illinois Interest Act, 815 ILCS 205/6 ( Count II ), damages and injunctive and declaratory relief pursuant to the Illinois Predatory Loan Prevention Act, 815 ILCS 123/15-1-1 et seq., and the Illinois Consumer Fraud Act, 815 ILCS 505/1 et seq. ( Count III the Predatory Loan Prevention Act provides that violations are a violation of the Illinois Consumer Fraud Act ), and treble damages under RICO ( Count IV ).

-1- C

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: SYNCHRONY FINANCIAL
State: PA
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:
SYNCB/HOME DESIGN XXXX ( Synchrony Bank ) has sent me account documents that support I paid the account in full on XXXX XXXX, XXXX and the account was closed. Please see attached for the legal records. 

XXXX is reporting that SYNCB/HOME DESIGN XXXX reports that I was late paying the account in XXXX, XXXX, and XXXX of XXXX. This is not possible as the account was paid in full in XXXX XXXX and closed. XXXX is showing incorrect information on my credit report despite multiple attempts to get this information corrected. 

I am suffering quality of life issues given my credit score is severely reduced due to this reporting error that has no merit to be on my 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 non-monetary relief