BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$18.00} XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
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:
The credit reporting company and XXXX XXXX XXXX have argued and yet to fix the problem. XXXXXXXX XXXX XXXX has not updated my payment history since XX/XX/2020 and I continue to call daily and they continue to tell the bureaus there is no problem. There is a high balance of {$7600.00} when the credit limit is {$1500.00}. The payment history shows I have paid {$0.00} every month which is absolutely not true.

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 2023-01-26
Company: FIRST HAWAIIAN, INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
IN XX/XX/2022, I called First Hawaiian Bank ( FHB ) for a payoff amount to pay off the rest of my loan. I dated it for 2 weeks in the future to allow for time to cut the check and travel time to Hawaii through the USPS. After a couple of months, I called FHB to inquire on the status of our title because we had not received it yet. Come to find out, my check was not cashed until 3 weeks after the check had been cut and there was a {$3.00} balance on my account. I offered to pay the remaining amount and wanted their guarantee that this would be the last payment. However, they agreed to write off the balance, and informed me that since it was at the end of the day, her manager would write off the amount the following day. Another month passes by, and we have yet to receive a title or any acknowledgement that our loan has been paid in full. So I call back again, mind you everytime I call, I have to sit on hold for at least 45 minutes to speak to someone. They again tell me that nothing is owed and I should receive the title soon. Again, nothing received and on top of that, they reported our payment being 30 days late to the credit bureaus which negatively affected our credit score. I set up payment of {$10.00} to be sent to FHB because I just want to be done with this and I called again. They informed me that my loan has no balance and that the reporting of the late payment would be corrected in the following month. We finally did receive the letter stating the loan was paid in full in XXXX but we also received another derogatory mark on our credit stating our payment is 60 days late. It is ridiculous how much time has to be wasted because the employees of this bank are incompetent. I will NEVER do business with them again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I made a account with XXXX on XX/XX/XXXX to get into the hype of investing in crypto currency. On XX/XX/XXXX however my account was hacked into and was used to purchase crypto currency for {$1000.00}. Then the currency bought was then transferred to a Third party wallet. I only knew of the transaction because of an email that XXXX sent to me. I immediately contacted there customer support and went through a process through the next couple of days to secure my account with them only for them to tell me that they are not liable for what happen and could not help me. I then proceeded to go to my bank golden one credit union and file a fraud claim on debit card and after there investigation they failed to help me as well with this fraud. They told me that the information they received was mine but failed to understand that someone had hacked into the XXXX account which had personal information on it and had my debit card on file which they used to purchase said currency. Even after telling my bank this they failed to understand and kept giving me the same answer and it just felt like going in circle. Which lead me to here for a last effort to try and get my money back.

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 2023-09-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I requested that Experian, a credit reporting agency verify negatives on my credit report. I sent them a certified request letter that was sent out on XX/XX/XXXX and received on XX/XX/XXXX. 

A certified letter was sent on and delivered on XXXX XXXX. Your item has been delivered and is available at a XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 in XXXX, PA XXXX. 

Tracking XXXX XXXXXXXX

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 2022-11-30
Company: Plastiq Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
# 1 On XX/XX/2022 as XXXX of my company, I signed my business up for a Plastiq account to receive payments from customers. They requested my private banking information as part of the sign-up process.

# 2 I received an email later that day that my application had been rejected, but I was provided no explanation. I noted that I could still login to their website portal, and they persisted in storing my private bank account information.

# 3 I immediately contacted support asking for clarification why my application was rejected. I received no response.

# 4 I followed up again on XX/XX/2022 and asked again why my application was rejected and also requested that my personal banking information be deleted from their system. 

# 5 I finally received a reply the same day. They refused to answer why my application was rejected. They refused to confirm whether my private banking information would be permanently deleted from all their systems.

At this point, I have no trust whatsoever in this company and their ability to protect my private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: TN
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 a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible Names : XXXX XXXX ; Addresses : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$210.00}, XXXX XXXX XXXX Balance {$56.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00}, XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: COLUMBIA BANKING SYSTEM, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX XXXXXXXX I opened a checkings account and funded the account with {$2000.00}. A few days later I tried to transfer the funds to another external account. Umpqua 's internal system triggered some sort of fraud. I was not notified of this fraud, I tried to access my account several days later, on the XXXX. My account was blocked, said the wrong username/password. I called their customer service line and they told me I need to go my nearest branch and submit a statement that I own the external account. I did provide proof of ownership on Friday, the XXXX. They told me they would look into it and get back to me Monday. Monday rolled around and I was not contacted, I contacted the bank again. 

They said that they will be closing the account. With that being said, the {$2000.00} transfer needs to be taken care of an this is what they emailed me stating how to take care of it XXXX will need to contact XXXX XXXX  and have them pull back the {$2000.00} transfer that was sent. Once that gets debited from his account here, we will close the account. Please ask him to call XXXX and get that process started. If he doesnt want to do that, we will have to hold the funds. And those funds can take up to 60 days to return. 

I then spoke with a branch rep and was told I had revert my initial funding, I had funded the account with a credit card. I contacted XXXX the following day, Tuesday and was told the customer service representative the full rundown of what has proceeded so far. I essentially told the representative that I would like to submit a chargeback for the {$2000.00} but when she asked me if the charge was fraudulent I responded with no, she then also asked me if I made the purchase or someone else, and when I told her that I was one making the purchase, she denied me the chargeback claim citing that the {$2000.00} charge was not fraudulent and done under my volition. I told her that Umpqua Bank was closing the account and forcing me to submit a chargeback. She then told me that I needed to work this out with the bank, they should let me transfer out or send a check. 

I then informed Umpqua of what XXXX told me and still refused to allow me access to my account. I informed them I would close my account once I was able to gain access and transfer the funds. I was told by the bank that there was nothing they could do. They locked my account and refused me access even after I provided proof of ownership of the external bank account, which they accepted and still denied me.

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 2022-09-20
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Jefferson capital says i owe money XXXX from XXXX.i don't have XXXX i have XXXX..so this debt is not mine..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Over the last few months I have reviewed my credit report and noticed several accounts reporting to my consumer report that I do not recognize. Ive reached out to the 3 credit bureaus more than twice and have not gotten any answers, results, or information provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
ATTN : XXXX XXXX, XXXX AMERICAN EXPRESS I have attached all forms of identification, this is and will be utilized to authenticate my identity in any sub sequential correspondences. 

I, agent for principal XXXX XXXX and affiant, I am a federally protected consumer, holder in due course, attorney, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, and autograph as the agent and administrator in fact.

Notice it is a fact, affiant is aware, according to 15 U.S. Code 1666d, if the creditor has a total balance due on the account, rebates of unearned finance charges or insurance premiums, amounts otherwise owed to or held for the benefit of an obligor, the creditor AMERICAN EXPRESS must return any and all amounts of the credit balance upon the request of I, the consumer. I demand to receive all credit refunded to me in the form of zero balance at the end of each billing cycle.

Notice it is a fact, affiant is aware of the false character of the amount of any debt is a violation of 15 U.S.Code 1692e ( 2 ) ( A ). How can AMERICAN EXPRESS allege I the affiant owes a debt but the debt is shown in the positive balance. If the balance was owed in a bank account it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it was owed to me.

Notice it is a fact, affiant is aware, according to 1602j, the plastic card device issued from the creditor AMERICAN EXPRESS gives way to I, the affiants open-ended consumer credit plan which contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time.

Notice it is a fact, affiant is aware, a creditor may not report or treat any payment under a open ended consumer credit plan meaning my plastic credit card issued by AMERICAN EXPRESS pursuant to 15 USC 1666b unless creditor has followed section 1637 ( b ) and dealt with all billing errors.

Notice it is a fact, pursuant to 15 U.S.Code 1692a ( 4 ) creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor.

Notice, it is a fact, affiant is a consumer and a natural person in accordance with 15 U.S.Code 1692a ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Dear CFPB American Express Canceled my Business Platinum and other cards by falsely accusing me that i am sending altered documents. 

They asked me to send XXXX i did send after couple days they said IRS is closed send Bank statement and pay stub and i did send it. 


After couple days they canceled all my cards by falsely accusing me i sent altered documents which i did not. 


I spoke also with Supervisor XXXX XXXX in financial review XXXX Arizona and she also gave me robotic scripted answer that my only option is to reapply. 


This is just very wrong. they make up and falsely accuse you and close your account Please assist me to clear my name and reinstate my accounts. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: NRA Group, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This medical debt is not supposed to report on my credit and this alleged debt did nit give me any notification or receive permission from me. They have violated under tile 15 of the FDCPA guidelines. This alleged debt was removed now reinserted without my permission

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 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I noticed an account on my credit report that I did not open or authorize on XX/XX/2023 in the amount of {$2700.00}, I reached out to all three credit bureaus an filed a dispute however the account is still on my credit report.

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 2022-08-22
Company: SET Financial Corporation
State: MO
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:
I noticed this account on my credit report. I have written this company numerous times and they have never responded by mail, email or phone, ever. It says it was sold to XXXX XXXX XXXX. They have never contacted me, either. I tried to login to their website and it says that my information doesn't match their records. This is an unknown account being reported to my credit reports makes it identity theft. It says that I have made some payments, which is not true. I have never made a payment on this account. Which makes this account, inaccurate and unverifiable, which is grounds for deletion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: MS
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:
According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : XXXX. XXXX XXXX, Account # XXXX, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 listed late payment

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 2017-09-25
Company: EQUIFAX, INC.
State: SC
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 sent written disputes out but also wanted to advise and request for help. There was just a tax lien added on my personal credit file stating I owe the IRS 130k which is 120 % inaccurate. I want this inaccurate information removed off of my credit file ASAP. How does the credit agencies obtain there information? Do they verify such inaccurate information with the IRS? How can the a credit reporting agency add information to a consumers credit file without validating it first? I do not owe anything to the IRS and that is CONFIRMED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
Due to financial hardship, I was unable to pay my Discover Card payment. I contacted them at one point to bring the account current as I was due an adjustment. Discover failed to give me the adjustment. As a result, I never caught this account up and the account was charged off. During tax season, I received a cancelled debt XXXX that i had to file with my taxes. This debt should be removed from my credit report.

Company response to consumer: Closed with explanation