BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-22
Company: Fidelity National Information Services, Inc. (FNIS)
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:
I have a big issue with the credit reporting agency mainly XXXX XXXX as I going through reviewing my file I noticed that my credit has not been up to par and it does not reflect having XXXX or XXXX accounts on my negative accounts on my credit file for it to be at a for a low low XXXX XXXX so I started doing some investigation and got all my reports from each of the reporting agencies XXXX XXXX mainly I asked for XXXX separate reports and verify that every XXXX of their reports has my business or somebody some some form or some way business dealings that I have is being reflected on my personal credit or personal XXXX  XXXX  report and which is internal repairs on my credit they're using XXXX XXXX  which is a account that's already been paid off to basically throw up a red flag and say hey this is this is what we got him to XXXX XXXX  for, and then turn around and report it to my personal credit as a inquiry Banks why we can't get a checking account or banking account is due to the fact they're reporting on my business debt or business transactions under increase view by others under my personal file view by others they just change the name of it so I'm a registered XXXX so they have found a way to not put it put it negative information directly on my personal from these Banks because I would XXXX XXXX we just reported it differently I know this because I'm 100 % sure of this because I have not tried to open too many personal bank accounts in the last XXXX  years maybe XXXX or XXXX and for them to say that all the inquiries are because of a personal inquiry because I will try to open a bank account is not the truth so I went back and and matched every business every XXXX of the names on there has some kind of business dealing with me or they either had XXXX XXXX reported on there behalf XXXX reported for them like 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 explanation
Consumer complaint received 2021-08-04
Company: Credit Karma, LLC
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
A Credit Karma savings account was opened without my authorization. I accidentally clicked a link and then a savings account was opened. No disclosure was made clear to me. When I attempted to close my Credit Karma account I was not able to close the credit monitoring account because the savings account was open. I was not aware that I had a savings account open so I contacted support and had it closed in XX/XX/2021. I tried again today to close my Credit Karma account but it was not able to be closed because the savings account exists, even though the savings account is still showing open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Aqua Finance, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Checked my credit and a so called Aqua Finance was shown as a hard pull on XX/XX/XXXX. My husband or I are unaware of where that came from. Neither of us have bought or tried to qualify for an " aqua product ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Good Afternoon, I have been a Coinbase customer for more than a year now. An account of mine has been blocked for more tha 6 months and It won't let me access it. 

I have changed all my passwords, the card is correct and everything seems fine. 

I'm desperate and I don't know who to turn to. I need for my account to be unblocked, so I can access my money. 

I need it to pay my bills. I've written more than a hundred e-mails and I always get generic responses. Can someone please help me? 

XXXX XX/XX/2021 I have approximately XXXX. 

COINBASE CASE : # XXXX Thank you, I await a reply.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-25
Company: Bliksum, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I contacted Loanme to payoff my loan on XX/XX/XXXX as they were charging me 210 % interest on my loan. She took the payment over the phone. Went to see if my loan was paid off the following day and they charged another {$25.00} on my account. They do not allow you to make same day payments, which they are charging interest daily and the loan will not allow you to pay it off at this rate. 
Also the loan was made on XX/XX/XXXX, they have taken {$170.00} out of my account biweekly. 
This is how my loan has been being applied : They have only been applying {$.00} to {$1.00} to principal with biweekly payments for 8 months. 
Date Description Principal Interest Other Total Payment Balance XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Open New Loan XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: SANTANDER HOLDINGS USA, 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:
Santander Consumer USA, Account number ( XXXX, Account type : Auto Loan, XXXX XXXX XXXX Account number ( XXXX Account type : Debt Buyer, Has violated my rights according to article ( 15 U.S.C 1681 section 602 A. ) states very clearly that I have the right to privacy ( 15 U.S.C 1681 section 604 A. ) also states ( A consumer reporting Agency can not furnish an account without my writing instructions. And article ( 15 U.S.C 1681 c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reports containing any of the following items of information as well as any other adverse items of information, other than convictions of crimes which antedates the report by more than seven years. As well as article ( 15 U.S.C 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 has reasonable cause to believe that the information is inaccurate..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair the account : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, VA XXXX Date : XX/XX/2022 To Whom It May Concern : In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
Account name : XXXX XXXX Account name # XXXX Account Name : 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.

It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 .U.S.C 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Experian, XXXX XXXX, and XXXX XXXX name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX # XXXX, XXXX XXXX VA XXXX Former Address : Social Security # : XXXX Home Phone : XXXX Date of Birth : Work Phone None Employer N/A Spouse Name N/A Spouse Social Security # N/A Credit Report Dispute / Account Information Dispute Section Company Name XXXX XXXX XXXX Account XXXX XXXX -- Not my account x -- - Was never late -- -- -- Account paid in full -x -- - Current status incorrect -- -- other -- -- -- Dispute Explanation : This account was never late Company Name : XXXX XXXX Company Name : XXXX XXXX Account XXXX XXXX -- -- Not my account -- -- -- x Was never late -- -- -- Account paid in full -- -- -- x- Current status incorrect -- -- other -- -- -- Dispute Explanation : This account was paid on time never late Company Name : XXXX Company Name : XXXX Account # XXXX -- -- Not my account X -- Was never late -- -- Account paid in full -- -- -x -- Current status incorrect -- -- other -- -- -- Dispute Explanation : Account never late/ paid inaccurate CURRENT STATUS I certified that all information above is true and factual. 
Signature XXXX XXXX XXXX XXXX Date XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX. Telephone XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. Telephone XXXX Experian XXXX XXXX. XXXX XXXX XXXX, TX 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 explanation
Consumer complaint received 2021-08-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have reached out to my mortgage company about a loan modification that they say that I received but the information is not accurate that they have sent to you the paper work has many different dates on it and there are suppose to be 52 pages and there are not they put in pages of different things and none of them make sense. Rushmore Mortgage has sent me numerous letters saying that they have to do more research on finding the information that I asked them for proving that I did a modification and I have yet to receive proof of this. We have had five different mortgage companies and we never did a modification. We were trying to do a modification but were never approved in fact we were asked to send over money in order to get a modification done. We do not know why if anyone got a modification why would you have to pay to get it done? If someone would look at the paperwork that Rushmore sent over it does not reflect much of anything other then them trying to charge me for something that I did not sign for. Too many different dates and too many different papers that do not add of to what's going on with the mortgage. The dates do not match. I am not satisfied with the results of my complaint and therefore I am asking for assistance concerning this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX am aware that my SSN belongs to the ( SSA ) Social Security Administration and any extension of credit with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that Barclays Bank Delaware is attempting to collect a debt from I the consumer makes Barclays Bank Delaware guilty and in violation of the ( FCA ) False Claims Act 31 U.S.C 3729-3733.

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 2022-12-22
Company: EQUIFAX, INC.
State: AR
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:
This is XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please have the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XX/XX/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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to my identity being stolen. I request of you to have the disputed items removed from my Credit File as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Certegy Holdings, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am not sure this is the right category to file this under and please correct it if wrong. 
I went to XXXX on XX/XX/XXXX to buy my son a XXXX present. I wrote a check in the amount of {$170.00} The cashier ran it thru the check approval system and it was DECLINED. I said please run it thru again as the is impossible. I have over {$5000.00} in my checking account and a credit score of XXXX and have never had a check declined in my life It was declined again and I was given a printout about why. It was a company called CERTEGY. I was embarrassed and humiliated by this episode in front of all in line. 
I called the number given but could not talk to a real person only an automated system which when given the information only confirmed the denial with no appeal and it was final. I write checks all the time with no problem and now can not get answers. I have called and called and the same thing happens Only reason given on the paper was code 2 which is ridiculous as it states Certegy Deny Code 2 Lack of History Deny Code 2 is the most common reason for a merchant to deny a check. This code is less an indicator of fraudulent activity from the check-writer and has more to do with potential risks from the merchant in the past and other locations nearby. 

The most common reason this code gets triggered is when a writer has little to no history of writing checks or the behavior is out of the ordinary. If you dont use checks normally and decide to use one to pay for a new expensive item, this code may pop up due to its abnormality, though specifics are not released. 

I have wrote checks since XXXX and have had my present account for over 20 years and write checks all the time. There is no reason for this I went to my bank and asked if there was a problem there and they were incredulous. I filed a complaint with XXXX and XXXX. I have faxed Certegy many times now and no one is responding to my complaint and why this has happened as there is no way this should have occurred.

I saw many complaints online against Certegy for this same issue. This needs to be stopped and this company shut down. I want an apology from both them and XXXX  and this issue resolved and assurances that this will never happen 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 explanation
Consumer complaint received 2022-12-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have previously banked with Chase Bank, and had both a personal account and a business account. I currently still have a personal account. 

This company has taken over XXXX in fees within all of my accounts since Covid. Overdraft fees and monthly service fees. I have tried on numerous occasions to get fees waived. The results are they remove such a small amount or don't do anything at all and state it's past their approval limits. 

I finally gave up when my accounts were overdrawn primarily due to the fees i have consumed and I couldn't maintain my account due to the excessive fees I've owed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$6000.00} XXXX XXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00}

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 2022-08-02
Company: EQUIFAX, INC.
State: CA
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 inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, CA XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation