BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX Account # XXXX, XXXX XXXXG, XXXX Account # # # # # # # XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States that 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 an 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 2022-07-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I submitted my complaint to remove items from my credit report on all three Experian, XXXX, and XXXX Credit Bureaus which have incorrect and fraudulent information on there. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-14
Company: Comerica
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021, three days after my direct deposit, charges appeared on my debit card statement from XXXX at the following times and amounts : XXXX for {XXXX, XXXX for {XXXX, and XXXX for {XXXX} totaling {XXXX 
Direct Express refuses to return the monies alleging that the purchases were authorized. The XXXX company supports me stating that I did not make the purchases and that they returned the monies to the bank to correct the error. I contacted the bank with this information, showed the bank " People/Robots '' that these purchases were not made by me on this account and included the information of the return by XXXX for the items. Regardless of the hard evidence that was timely submitted, twice, that shows the cardholder ( Me ) did not make purchases, the Direct Express " People/Robots '' insisted that the purchases were authorized and refuses to return the funds that were returned by XXXX to me. 
Okay, why won't Direct Express return/release my money? 
SINCE THE FUNDS WERE RETURNED BY XXXX TO MY ACCOUNT, WHY DO I NOT HAVE THE MONEY?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
State: MD
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:
The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ;

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Avant Credit Corporation
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Reached out to Avant Credit on XXXX/XXXX/2015 as I noticed some discrepancies on all three credit reports. XXXX Credit report would have a status of 30 Days late XX/XX/XXXX while another credit report would report me OK for the same month. I reached out to a Customer Service Rep at Avant and they advised me they would get back to me when they could. I advised the rep that was unaccpatbe ; l as it has been over three weeks and I have not received a follow up call or email regarding my concerns. The rep advised I could dispute with the Credit Bureau only they report information given to them by the creditor. 


I am asking Avant Credit Please update all XXXX reports to show the same information. Pay Status, Balance, Payment, Date Open etc. 

I also went into a payment plan status in XXXX 2015 as I fell behind back in XX/XX/XXXX because of a job transition. 
I went into a payment arrangement and the Payment Specialist adbvised me they would put the amount owed on the back of my loan and I would go into a current status as long as I paid on time. 

Please update all XXXX bureaus with the correct information as I do not want to rectify this once I am going for a home mortgage. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: TD BANK US HOLDING COMPANY
State: NJ
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 retrieving my credit report of XX/XX/2019 on XXXX I noticed irregularities which led me to find out I am in fact a victim of identity theft. There has been several charges made on multiple credit cards of mine and then finding out of new accounts that I never opened. I did NOT make these transactions nor open any new accounts. This was definitely a direct result of identity theft. It has now come to my attention that my former roommate, XXXX XXXX with whom I moved in with after separating from wife, XXXX XXXX on XX/XX/19. XXXX has called several furnishers to retrieve information and opened new accounts without my consent. XXXX preyed on my emotions at a very vulnerable time and as soon as I started to suspect irregularities in my financial portfolio, she took her son out of school and moved to XXXX XXXX, NV, I believe living with a grandmother that resides there. I have read The guidelines for the procedure by the FTC and have taken all measures necessary. In addition, I filed 2 police reports in both towns I live/lived for theft and fraud, have put fraud alerts on my credit report with all 3 bureaus, informed all necessary parties of the identity theft and have written letters to all furnishes and the bureaus. As a direct result of this I have lost {$50000.00} and have had hundreds of inquiries falsely made under my name. Today I still receive calls from debt collectors and loan officers. It has been a horrific year to say the least. I have ignorantly now fully educated myself on cyber crimes and the measures one takes to secure and recover their credit. I hope that I am given a refund for the money that the individual has stolen without my consent and my credit report will be corrected appropriately. I also would like to let people know that you dont know when it may happen or even if it will happen at all to you so now being a victim of identity theft I can only suggest to everyone to educate yourself on identity theft and take action to protect yourself. And hopefully together we can fight against cyber crimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card
Issue: Transaction issue

Complaint:
I have a XXXX. When choosing a credit card company, my wife and I are always careful to choose a company that has strong system to monitor unusual or suspect activity, which Chase clearly advertises. Also, our credit limit was to be {$24000.00}, but Chase enabled charges of up to {$55000.00} within the same cycle with daily transactions of up to {$10000.00} ( which would be both unusual and suspect ) without consistently alerting either my wife or me. We incurred more than {$60000.00} in credit card debt and were able to bring that amount to {$41000.00} with no means to make the minimum payments. We immediately reached out to Chase to explain our situation and believe that Chase should also be liable for the fact that they did not fulfil their duty of protecting their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received a letter from Synchrony Bank regarding a dispute in the amount of {$270.00} which was supposedly refunded '' on XXXX XXXX for merchandise that was sent back/not received, and it appears that the amount in question was charged back to my account on XX/XX/2022 even though I was refunded ( according to the statement and company letter ), on XX/XX/2022 not XX/XX/2022. The letter seems to indicate that the charge of {$270.00} was refunded twice, But I see '' NO '' record of that on most recent statement ( see attachments ). I see One refund on XX/XX/2022 in the amount of {$270.00} and then a reversal for that amount, added back to my paypal credit account on XX/XX/2022. So Apparently I got the credit for merchandise not delivered/received ( {$270.00} ), billed back even though it was refunded XX/XX/XXXX, because the merchant " refunded '' the amount for item not received. I was refunded the correct amount on XX/XX/2022 then I was charged for a purchase on XX/XX/XXXX in the amount of {$270.00} ( doesn't show merchant details ), which I did not order anything on XX/XX/2022 in the amount of {$270.00} from anyone on that date in XXXX XXXX, CA. So, I have been charged " twice '' for something that was refunded on XX/XX/2022 in the amount of {$270.00}, then again on XX/XX/2022. 

Also, the present balance on account is " NOT '' accurate. ( see attachments ).

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 2018-01-12
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I attempted to send money from my Coinbase BCH account to my Coinbase USD wallet account. The money disappeared from the BCH account and never showed up in the USD wallet account. There support refuses to reply to my e-mails sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Siggi LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Omni Financial : XX/XX/XXXX ( {$0.00} ) Omni Financial : XX/XX/XXXX ( {$0.00} ) XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX ( {$21000.00} ) Local Government EMP : XX/XX/XXXX ( {$8300.00} ) I have sent letters to all bureaus about removing fraudulent and closed accounts and hard inquiries affecting my credit score. I also disputed multiple of wrong address and phone numbers as well. I need these accounts removed to improve my financial situation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: Freedom Mortgage Company
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
We are refinancing our mortgage through XXXX XXXX XXXX XXXX XXXX. We were pre-approved by Freedom Mortgage company for {$160000.00}. pending our appraisal. We were given an FHA certified appraiser from XXXX XXXX ( through XXXX ). The appraisal came back at {$190000.00}. which was only {$5000.00} shy of what we needed. So the broker ( XXXX XXXX ) revised the loan request accordingly. We were just waiting for the approval of the underwriter. The underwriter requested that some comments be added to the appraisal so the broker sent it to the appraisal company for adjustments. 
we received our updated appraisal to find out it was decreased by {$10000.00} to {$180000.00} due to one added comparative property. We feel we are being undervalued and are not being treated fairly. This refinance has been taking a month and estimates just keep changing. We believe a decrease of that amount for one comparative property is unjust. The FHA approved appraiser 's first opinionated value should not be able to be overridden in that way. We have been paying our mortgage for 14 years and have refinanced in the past without problems of this nature. XXXX XXXX XXXX XXXX XXXX has been great every step of the way and believe we deserve a fair experience.

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 2016-01-09
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to my request to investigate and remove XXXX account from my credit report that does not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Midwest Recovery Systems
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020 My spouse reached out on my behalf to gather more information about a debt that had appeared on my credit reports. She asked for a debt validation letter to be emailed to me and also for a reduced amount on the original balance being owed. The letter received was not a debt validation letter. Only a pre-filled letter that stated that Midwest Recovery was collecting on the debt and the amount. 
XX/XX/2020 A letter was issued on my behalf requesting a proper debt validation letter for the medical bill Midwest Recovery was collecting on. Asking for more detailed  information to support their claim I owed the debt. I also reported the information on the credit report asking the credit reporting agencies to prove the information was accurate. 

XX/XX/2020 Another call was placed asking about the debt. A conversation with Mrs. XXXX took place notifying me how it was past the 30 days on the information being requested and that she'd reach out to Mrs. XXXX, the supervisor and the one the request for reduced payment was made with. 

Original Debt Validation Letter was issued the XX/XX/2020 and has gone unanswered and unable to provide proof the debt is valid. Requesting the collection to be closed and removed from my credit reports. 

Attached is the letters exchanged between the parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I have a credit card account with Capital one since XX/XX/2014 my payments were always on time. I don't really use the account much anymore. 

I was taken aback when I got a notifictaion from that a new late has come on to my credit file. I checked to see what that may be and saw a late reporting from Capital one I immediately called  Capital one to find out what this was. They informed me that this was for the annual fee. The issue is I have not gotten any bills via mail or email to notify me about this charge. I would have no idea that I owe anything if I don't get a bill. 

I haven't used the card in months so I wouldn't just randomly check on an account which I do not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete a thorough investigation. 
As per Section 609, I am entitled to see the validation from the source of the information, which is the original contract that contains my signature.

According to 15 USC 1681i ( a ) ( 1 ) ( A ) the reporting agency must verify the accuracy of the validation.

Now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received the requested response from this company about this unverified account as of today.

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 2016-11-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
All Payments have been made to fifth third bank they reported me for fraud which is a lie I was giving a bad check I never withdrew the money from the bank so how is that fraud I even paid the bounce check fee I have disputed the issue and they reported me to checking account agencies which want allow me to open accounts after I paid them XXXX yes chump change and they acting like I stole XXXX dollars Filed a false claim under my name for their own personal Agendas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Harley Davidson Financial Services Inc
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Harley Davidson financial continuously calls starting at XXXX EST, immediately the day after the payment is due on my loan, I pay them in 2 payments one week I pay half usually before the due date and the following week I pay the other half of the monthly payment due, sometimes its a few days over the due date, nothing crazy over, theyve told me theres no grace period on the loan even though the customer service rep said theres 15 days before a late fee is applied. I have emails with scheduled payment dates to show that the payments were scheduled and bank account statements to back up their receipt of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a dispute to XXXX, Equifax and XXXX regarding a late payment on my XXXX XXXX Account. The dispute was submitted on XXXX XXXX and continues to come back verified. Each creditor is in violation of the FRCA,. At this time the item continues to report the account as 30 days late in the year of 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Nelnet, Inc.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I received an email stating my loan payments would be starting again, and I noticed I was being charged during this time for interest, which was not supposed to be happening until XX/XX/2022. I have attached my email chain with Nelnet and my current loan details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Attached please find proof of payments from bank account of XXXX  XXXX XXXX. This account was never late. All payments were made every single month. Also, I am awaiting for my Affidavit of Truth to be answered, every Fact in the Affidavit needs to be answered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: FREEDOM FINANCIAL NETWORK
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
XX/XX/2020 Receiving emails stating they have found accounts that they would like to add to the existing contract. 
When I reply back to customer service they have told me these things keep coming up on my file. 
The thing is the account or accounts they claim they keep finding don't show up on my files on my end, in any of the credit reporting agencies and I have all of them including XXXX. So where do they get the information the consumer does not have access to? 

So I ask and they respond with some sort of account number in some collections dept. 

So I respond back and then they send me an email sounding like it may belong to someone else. 
this is very disturbing. 
In the mail, they keep suggesting they can offer some sort of loan to cover the funding of the debts but again the confusion is how do they expect to negotiate a debt when they claim they don't have proper account info after it has gone to collections so they lead me to believe they can finance the whole operation through a third party they call a sister company. 
With the constant misleading and confusion, I am lead to believe something fishy is going on with the company. Maybe it the result of the recent lockdown and no one is actually doing anything but sending scripted autoresponders to address the issues but who the XXXX knows

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Bread Financial Holdings, Inc.
State: OH
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:
For the cards To whom it may concern at the consumer financial protection bureau. This account during the pandemic was hacked and fraudulently charged when my passwords were stolen. This way relayed to the company who holds the credit cards and told to reverse the charges, I will not pay for fraudulent charges by an actor unbeknownst to me, so they decided to charge off the credit card. Please remove this charge off from my report as it is inaccurate and predatory given the nature of the outcome from what happened. 
XXXX account # XXXX XXXX account # XXXX Thank you XXXX XXXX

Company response to consumer: Closed with explanation