BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: OH
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 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 have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction

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 2022-12-09
Company: Self Financial Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Failed missed payments due to being affected by XXXX lockdown and also, a current XXXX XXXXXXXX  who's struggling to take care of himself personally. I'm also a XXXX who has to apply for FAFSA which is financial aid to help the student afford college. Being that I'm a XXXX XXXX  I don't receive XXXX XXXX to assist me with any type of payment. According to my payment history I'm on time with my payments, but despite not being able to make payments due to uncontrol circumstances I failed to make a few payments. 

XXXXXXXX XXXX - late payment on XXXX XXXX XXXX  30 days late ), XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ) XXXX XXXX XXXX XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

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 2022-09-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some Collections reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under IS USC 1681C-2- Block of information resulting in identity theft. THE LAW CLEARY STATES " BLOCK Except as otherwise provided in this section, a consumer reporting agencies shall block the reporting of 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 by such agency of- ( 1 ) appropriate proof of the identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Nowhere in this LAW it states that I have to provide you with any police report. This is clearly a stall tactic and going against my human rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
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 received an email from XXXX XXXX about an unknown credit card from Pentagon FCU added to my accout with unexpected amount on XX/XX/XXXX, XXXX this is when i came to know about this fraudulent card added to my report. ive filed a dispute with XXXX XXXX and XXXX to investigate and fix the error. 
i would like this to be investigated and fix the issue as soon as possible. i am a victim of identity theft.

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 2022-08-23
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hard inquiries : XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2022-09-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX fraud caller claims to be Chase Bank with security alert. From a catfishing number - XXXX. I sm being harrassed daily by these people. XXXX accent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: SYNCHRONY FINANCIAL
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

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

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 2022-09-27
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contact the company via mail on the following dates XXXX, XX/XX/XXXX to let them know that debt of {$1600.00} is not my debt, due to identity theft and to provide proof that I sign and/or agreed to the debt. 

The Midland Credit Management continuously sent letters harassing me about paying the debt of {$1600.00}. Dates I received letters are XX/XX/XXXX XX/XX/XXXX,, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: OH
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX 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 have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction

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 2019-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I recieved an offer in the mail for a {$300.00} bonus for opening a checking account with Bank of America. I opened the checking account on XX/XX/2019 with the promotion code. I visited the bank at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX US on XX/XX/19 to ask why the funds were not deposited into my account. They put in a request and then called me back from XXXX on XX/XX/19 the bankers name was XXXX. She told me that I had qualified and that I would recieve the {$300.00} promotion in a check or in my account the following week. On XX/XX/19 I visited the bank again, having not recieved the check or deposit as promised. I sat with XXXX who made several phone calls and confirmed that I met the eligability requirements and also that they had sent out the mailer with the promotion to me at my home address. She said that when I opened the account online, the promotion didn't load. I was promised this promotion and have met all the requirements. I visited the bank severals times at the address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX US and they are still unfairly giving me the run-around and not honoring the promotion that I was promised when opening the account. The account has been opened with funds being direct deposited for 5 months and I still have not recieved the {$300.00} deposit.

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 monetary relief
Consumer complaint received 2022-09-27
Company: BANKMOBILE TECHNOLOGIES, INC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Dear Sir, or Ma'am, Although the XXXX bank doesn't remind me of any other criminal incidents I've experienced, since opening my account at BankMobileXXXX  through financial aid at my college, I have had consistent problems with it. They ROUTINELY charged me the $ 3 monthly service fee even when I had well over the required {$300.00} ( approx. ) amount in my account, e.g., {$700.00}. 
I think there were other irregularities, too, but, since I'm homeless, and since COVID closed the college campus, I really have lost track of what the bank was or wasn't doing. I complained to them each time at first, then got tired of that, thinking, " well, it's only a few dollars, and I have to get this paper written for [ XXXX, XXXX, XXXX XXXX, etc. ], '' and I didn't follow up on it. I also don't have a phone very often, and when I do, its a XXXX, since you need an address for anything else, and, like I said, I'm homeless. 
Recently, I discovered a XXXX purchase that I didn't make. On XX/XX/22, {$2.00} was deducted from my account. I really doubt that I was there. As soon as I saw it ( on the XXXX or XXXX ), I thought back -- it would have been within the past 3 days -- and was sure that I had not been to XXXX. The last balance I remembered was {$3.00} ( approx. ), and I was saving that for some occasion when I needed to use XXXX ' wi-fi. So, I had been saving it and would have remember spending it, I think. This has happened before with XXXX ( XXXX XXXX, CA, I think ), but I don't remember the dates or amounts. 
This might be two separate issues : the XXXX  ( XXXXXXXX XXXX ), and XXXX. I don't have enough information on XXXX to say how often this has happened, but I think it happened this time, and the other time I mentioned, as I simply don't check my statements that often ( I'm homeless, and secure wi-fi is not that easy to find ).

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 2021-10-30
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed a Coupon/Bill of Approval on XX/XX/2021 via certified mail and return receipt to the CFO and Registered Agent. Both were delivered on XX/XX/2021. Pursuant to UCC 1-202 ( f ), upon receiving these notices, they were hereby notified. Whether they accept or not the coupon which is a negotiable instrument, it is discharged upon receipt pursuant to UCC 3-603. Whether they accept my negotiable instrument or not they have to XXXX out the balance and mail me a check for the remaining balance. Up until today, I have not received anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: NY
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 did not authorize nor consent to the following inquiries being furnished on my consumer reports. 
1. XXXX XXXX, XXXX ( XXXX, XXXX XXXX ) 2. XXXX XXXX XXXX XXXX, XXXX, XXXX ) 3. XXXX XXXX XXXX XXXXXXXX XXXX ) 4. XXXX XXXX ( XXXX, XXXX XXXX ) 5. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) 6. XXXX ( XXXXXXXX XXXX XXXX ) 7. XXXXXXXX XXXX XXXX XXXX XXXX ) 8. XXXX ( XXXXXXXX XXXX XXXX ) 9. XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-27
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have contacted Ally with an AFFIDAVIT for the VALIDATION of DEBT for account # XXXX, and a valid contract between me and ALLY with my wet signature. After 56 days, Ally has failed to reasonably respond to the changes to the contract I have submitted with my presentments. As a remedy to this, I have made a demand for zero balance, demand for the grant of my title ( CLEAR and FREE ), demand for the reimbursement of the downpayment of {$1000.00}, demand reimbursement of code violations in the amount of 21,000 for those code violations, demand for the cost of postage for {$100.00} and demand for removal from all consumer reports. This company has not responded to my presentments and as of XX/XX/2022, I have waited for 56 days and therefore VOIDS their claims against me and their security interest in the XXXX XXXX. The mailings above were sent via return receipt which I have that are signed by this company. The XXXX, XXXX XXXX, has been contacted as well. 
Due to the non-response, I am now sending my INTENT TO SUE.

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 2022-12-09
Company: Waypoint Resource Group, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I received a letter from this company in regard to a debt owed. I sent a copy of a written dispute and request for verification on XX/XX/XXXX and also contacted the company via phone to report the dispute. They explained they would note the account in dispute. I again contact them Mutiple times asking for a status of the dispute and was told they had not received the letter. Again on XX/XX/XXXX I sent a 2nd Dispute and request for written validation. I followed up again with multiple calls stating the dispute was noted and they were waiting on the letter. On XX/XX/XXXX the account was reported to the credit bureau, does not report as in dispute. Most importantly I still have not received my written demand under the requirements of the FDCPA. I believe this debt is invalid and in unable to be verified. I also believe this company has failed to follow the FDCPA and has not provided the validation as requested. Both written letters are attached.

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 2021-10-30
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I placed a limit order for a virtual currency ( XXXX XXXX ) in the amount of approximately XXXX . I later cancelled this order, the order still shows as being open and I don't have access to my funds or the currency. If I try to cancel it it says order not found. I have reached out to the company ( coinbase ) multiple times and have multiple tickets. Each time they reply saying the problem is solved in a generic email but it is not. For 3 days now I have lost access to my XXXX $ with no contact from their company

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went to XXXX XXXX XXXX XXXX to finance a car, they told me since I did the application online they were not going to run my credit report again. And about 5 minutes later my credit report was ran about 13 more times. 

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 2022-12-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX unfairly denied access to thousands of my own XXXX funds I desperately need to access in order for to attend work, provide housing and food for my child after they were repaid for an overdraft caused by illness. The illness was caused by severe XXXX XXXX  furthermore caused by a XXXXXXXX XXXX at work case that is going through litigation yet. 
XXXX refused to assist and management was unavailable and inaccessible to help.

Company response to consumer: Closed with explanation