BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-22
Company: Credit Karma, LLC
State: MD
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:
Good day. On or around XXXX thru XXXX saw a lot of pre approvals on Credit Karma. At first I didn't pay it no attention, but credit karma kept sending me all types of different credit card pre approvals telling me that I was pre approved for credit cards, personal loans and that I can refinance my car. Everyday day I would see these offers, everytime I log in to check my credit score. After a few months of being told I was pre approved I thought I was in the right place to apply. However, I got so many offers through Credit Karma that I started sharing this information with family and friends about vacations and investments, that we were going to use with these pre approvals for. I applied on or around XXXX and got denied for a few credit cards and a personal loans, I was distraught and very angry, and I felt deceived, I was marketed for months, so Credit Karma told me that I was pre approved. This was a lie. I was severely stressed out, I was nauseous for weeks I had migraines so horribly that I became antisocial, my anxiety went from a XXXX to XXXX now, so when I see pre approvals, I immediately closed down my phone and shut my computer off, this has made me so uneasy, stressful it's very overwhelmed, that I haven't checked my credit as frequently as I used to or should. I need some resolutions for this unnecessary stress. On XX/XX/XXXX FTC order credit Karma to pay {$3.00} XXXX dollars to consumers. I've have been a victim of this false claim by credit Karma that told me that I was pre approved and got denied. The misrepresentation of Credit Karma have caused severe mental anguish and anxiety for me and my family. I have applied for a personal loan of {$20000.00} and two {$10000.00} credit cards, 15 USC 1681N saids that consumer reporting agencies must report Accurate information Credit karma violated that with deceitful practices and misrepresentation. 15 USC 1681 N speaks on actual damages. I'm owed actually damages of a result of Credit Karma failure to provide accurate information furniture on my credit report. I am owed actual damages in the amount of {$40000.00}. What company is this complain about. Credit Karma.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Wakefield & Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX. {$1100.00}, {$960.00}, {$950.00}, all of these XXXX identify theft- XXXX XXXX XXXX XXXX {$52.00}, {$61.00}, {$55.00}, {$52.00} - XX/XX/XXXX XXXX XXXX XXXX. All these are Identity thefts My name is XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Colorado XXXX XXXX my phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts 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 accounts 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 is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$7900.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$2800.00}, XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$2300.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$460.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4600.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2800.00}, and XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: ERC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They are attempting to collect a debt that doesn't belong to me. They are demanding immediate payment from me without providing any proof they have the right person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: U.S. BANCORP
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
on XX/XX/2022 I wired transfer {$9000.00} from my US Bank account to XXXX Bank  XXXX XXXX through my local US Bank branch in XXXX, Kansas. I have attached receipt of that transfer. The money supposed to be in the recipient bank on or before XX/XX/2022. It did not happened. I went to bank after 2 weeks to find out why transfer has been not completed. The branch told that it is not in their control anymore. I contacted their wire department by calling. Wire department told me to go to local branch and initiate trace case. I went to local branch and asked them to initiate trace case. They did open trace case. Next day I received call from branch and they told me that money was at XXXX  XXXX XXXX and they have released today and recipient bank will receive within 2 to 3 days. I waited again for week. Nothing happened. I called local branch to find out again. I called so many times by now. No answer. Transfer not completed as of today XX/XX/2022. I do not know where the money is and what is the problem. I asked them to cancel transaction and deposit back to my account. No answer. Please help out to get my money.

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 2022-08-28
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX credit pass complaint to XXXX and XXXX measure the act and report herein to remove Oportun credit inquiry, and XXXX XXXX XXXX assuming lower credit score and their loss is a debt and has no other financial registry 's for applicability used uses with out gain passed my credit score and fabulous report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Affirm Holdings, Inc
State: VA
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:
When I decided to return the product ( a diamond ring from XXXX ) for which I requested the loan with Affirm, the seller ( XXXX ) of the product didn't credit my Affirm account, once they received the product back in their stock. I then opened a " Dispute '' with Affirm, so that they would investigate and provide a resolution. Affirm 's " Dispute Policy '' states that once you file a dispute, you are NO longer to make any monthly payments that come due until they resolve the dispute. At that point, I had already paid 2-3 monthly installments on time towards the loan with Affirm. With the account in good standing I then ceased to make any further payments, until I received their resolution. Affirm 's resolution was found in my favor ; therefore, I was no longer responsible for the installment loan. My account was credited and closed, and they refunded me the payments I had made previously. 

I am currently trying to make a large purchase, so I requested my credit report from all three credit bureaus, XXXX, XXXX and XXXX. XXXX 's data has the Affirm installment loan listed as " Potentially Negative '' and a 30 days late listed. I tried to ask Affirm to please contact XXXX and remove this incorrect data from my credit report. I tried to file a dispute with XXXX and upload documentation to prove this data as inaccurate/false, but their website was unable to upload the. PDF. Affirm is not easy to contact nor speak to a live person. They didn't seem to have answers as to why they reported this negative data to XXXX in the first place!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, 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:
XX/XX/2022 Credit reporting agencies were put on notice of fraudulent accounts & incorrect information on consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 2023-11-02
Company: EQUIFAX, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file is listed on my credit reportXXXX XXXX XXXX XXXX Balance : {$290000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I took time out to write a letter to XXXX, TransUnion, and XXXX on XX/XX/2022 ; stating that the collection accounts listed on my credit report were false. They did not provide me with proof of the original contract I personally signed validating this debt. 

According to 15 U.S. Code 1692g : ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX activities and communications that do not otherwise violate this subchapter XXXX continue during the XXXX period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the XXXX period XXXX not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

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 2023-08-15
Company: Experian Information Solutions Inc.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-07-29
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2021 Experian remove false information

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 2022-12-02
Company: Experian Information Solutions Inc.
State: NC
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 have contacted the 3 credit bureaus regarding inquiries on my account that are not mine and without investigation it is closed within a few hours. It is unfair to have them on my reports which are harmful and unfairly lowering my score and any chances at home ownership 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 XXXXXXXX XXXX XX/XX/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 2022-08-28
Company: Experian Information Solutions Inc.
State: GA
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 XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX account # XXXX, and XXXX XXXX XXXX account # 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 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 2022-09-22
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Venmo offered a credit card through Syncrony Bank with double rewards on purchases. The doubling resulted in a 6 % cash back reward offer for the first few months. I took full advantage of this offer and prior to the expiration of the special offer, I charged over {$22000.00} on the card by paying utility bills on my business in advance. My credit limit was only {$7500.00}, so I would charge several thousand dollars, then pay it off in 2 or 3 days and do it again. It resulted in cash back rewards for XXXX being {$1100.00}. 

Syncrony did not like this so they cancelled my card. Their reason was " indicative of high risk of failure to pay ''. That does not make sense when I was paying every 2 to 3 days. I also have another Syncrony credit card that I have had since 2007, 15 years. They did not cancel that card, same name, same address on the account. My credit score is also over 800. Since they cancelled the card, they refused to pay out the rewards earned. 

This is fraud! Syncrony offered an incentive to me in which they made money off of my transactions. Then they cancelled the card and refused to pay the cash rewards that I earned. Syncrony 's reply has been that they can cancel the card for any reason and then the rewards are not payable and that is written in their card agreement. Can you really have someone waive their rights so that you can commit financial fraud??? 

I told Syncrony that it doesn't matter to me that they cancelled my account. I just want them to pay the rewards that I earned. I also suggested to Syncrony that maybe they should look at my other Syncrony account that I have that has been paid on time for 15 years, it may be " indicative of high risk of failure to pay '' as well.

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 2022-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I've been a Bank of America client for over 20 years. Until XX/XX/22 I had three checking accounts opened and in good standing. Two of these checking accounts only belong to me, and the other checking account was a joint account I shared with my husband. 
Yesterday I was trying to use my debit card to pay a metered parking and it didn't work. I called the Bank of America customer service line and they told me that the accounts were closed. I asked the reason for this and they told me, that an invalid check ( or something like that ) was deposited in the joint account. I told them that I didn't know what check they were referring to and that I need access to the money I had in one of the checking accounts that belongs to me. They were totally mean and didn't even listen to my reasons, I couldn't even access the online bank to check on my accounts, nothing worked, and the debit cards didn't work either. The worst thing is that at this point my money has disappeared and nobody from the bank has contacted me to explain anything, in addition, my husband and I have direct deposits in two of the accounts, my husband on the joint account and we don't know where the money is going to be deposited and how we are going to get access to our payroll. The bank clearly failed when they didn't notify us ahead. We didn't receive any warnings about what the bank was going to do and we didn't have enough time to report the situation to our jobs in order to change the direct deposit information. The supposed " invalid check '' was received by my husband in the mail with a letter explaining. This check was supposed to pay initial charges for a job he applied online where they wrap your personal vehicle with advertising of a company and pay you for it. If the bank considers this check as a scam should : 1. Investigate the company where the check came from 2. Avoid any checks that don't have all the signatures on jointed checking accounts to make sure both account holders agreed with the deposits 3. We are the victims in this situation because we are only normal citizens and bank account holders. We are no experts on financial fraud or anything like that and we couldn't differentiate a good check from a bad check. The only way for us to know the difference is to deposit a check and see if the bank considers it a good check. We know banks have the experts to identify illegal or fraudulent documents, even paper money and at the end each account is protected and insured. Bank of America hasn't lost anything here, we are the only victims and the bank is stealing our money.

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