BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-20
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive called transworld spoke with XXXX different representatives who couldnt locate account but they are reporting collection on my credit report which has tanked my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: LEXISNEXIS
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed inaccurate items on my LexisNexis CONSUMER report but they refuse to remove this information. I have contacted them on XX/XX/2022 until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions.

15 U.S.C 1681c. ( 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 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
The company is Gemini Trust LLC and I had cryptocurrency in the account ( Ethereum, Bitcoin and Doge coin ). 


I received and email at XXXX XXXX  on XX/XX/XXXX XXXX XXXX, Your withdrawal of XXXX ETH has been confirmed by the Ethereum network. 


Destination address : XXXX XXXX hash : XXXX Sign in If you did not initiate this action, click here to freeze your account and please contact customer support immediately. 

Team Gemini I froze the account, attempted to fill out a form on their website asking for support, sent emails and even replied to their email... .see below : Re : Gemini is Built on Trust, Safety, and Compliance. 

Sat, XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) To : XXXX Details I loved the letter, unfortunately, my account has been hacked and I have {$15.00} left in my account. {$650.00} was taken. How was this possible? Are you going to refund my money? 

XXXX XXXX At the bottom of XXXX of their emails ( in light gray print ) was : Gemini Trust Company , LLC ( XXXX Gemini XXXX, XXXX XXXX AZ, CA, DE, FL, HI, ID, IL, KS, KY, MA, MI, MN, NC, ND, NM, OH, OR, SC, SD, UT, and VA XXXX XXXX Gemini XXXX in AK and WA ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX I called the number, but all it does is tells me how to email them!!!!!! 

Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/23 I received simultaneous emails of credit card accounts being opened under my personal information with Chase Bank and XXXX XXXX. I do not have any accounts with these companies. Called both banks to submit a fraud alert and cancelled both accounts. Also called XXXX and XXXX to put a freeze on my credit. Tried contacting XXXX and creating an account online but automation would not allow me to speak to a specialist. It directed me to the website which caused an error when I went to create an account and put a freeze on my credit. Was not able to freeze credit on their website. Tried calling several times. Took a screenshot for reference.

Additionally, credit report is showing credit card transactions already one day later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit 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:
Dear Sir or madam : This contest is about unapproved credit transaction in XXXX, XXXX on Wells Fargo Cash Visa card. I traveled to XXXX between XX/XX/XXXX and XX/XX/XXXX, during my stay in I have rented vehicle from XXXXXXXX XXXX XXXX. The rental fee paid by Wells Fargo Visa card. After returning the rental vehicle to the agency, I received another invoice from the XXXX agency regarding traffic violation. I have not been pulled aside by XXXX traffic police during my car rental period or received any actual traffic violation ticket. I have requested the car rental XXXX agency a copy or picture of the ticket violation from XXXX traffic police to accept the violation traffic fine invoice, But the agency did not show any document from XXXX police, just stated that they have paid my traffic fine and I am liable to {$110.00} and, they stated that they dont have to get an actual proof or document in regard to traffic ticket violation. I have contested the charges to Wells Fargo credit company and asked them all I need a copy of traffic violation from merchant for proof, but Wells Fargo after over 2 months wait and constant phone calls for update, Wells Fargo failed to obtain the copy of the traffic violation from merchant as I request as only the evidence to proof the fine invoice and they restated the charges into my account. Wells Fargo stated based on the agreement contract that Im liable to pay whatever charges without any supporting document or evidence which I did not find such details at contract agreement. 
I hope you can address the issue with Well Fargo, customer should not be liable for any man-made charges without supporting evidence. 
The Claim number with Wells Fargo is XXXX, Disputing amount is {$110.00}. 
File Date is XXXX. 
I have included links for XXXX police to obtain ticket or plate number on case, but no info shown. 
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 explanation
Consumer complaint received 2023-08-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I recently opened a Synchrony Amazon store credit card which provides 5 % back on purchases with Amazon. There was a low credit limit of {$6000.00}, which required me to buy items up to my limit, then pay off the card so that I could use it again. I had to do this multiple times, especially during Amazon 's prime day where there were items on significant discount. I logged on to the Synchrony account management on XX/XX/2023 to find my account closed with no explanation, as well as $ XXXX of earned rewards taken away. The letter I received stated the reason for closure was " Payment and unusual purchase history on your credit account that Synchrony deems may be indicative of future intention not to pay ''. This is a bogus reason as I had paid down my balance to XXXX on multiple occasions. Synchrony has taken away my rewards worth more than {$1100.00} earned under their cashback program and benefited from merchant exchange fees and purchase fees. From my statement on XX/XX/2023, which covered purchases up to XX/XX/2023, I had already earned {$770.00} in rewards ( statement attached ). Additionally, Ive attached an export of my transactions since that statement to show additional purchases and payments made over that time period which shows the assertion that I intended to not pay laughable. If I intended not to pay, I would not have paid down my statement balance on multiple occasions. I accrued additional rewards since my statement which were taken away from me by Synchrony. This company is using deceptive business practices to benefit off the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, 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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: BANNER CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I knew it was a federal holiday this last XXXX of XXXX and i desposited my check into my bank account that evening when i got out of work, the atm told me my check would not be processed until the next business day. Upon checking my account the following day the check was still pending against the word of my financial institution and i have reached my wits end trying to go through with them to handle my finances. I have worked excessive hours these last few weeks, while trying to keep a sleep schedule for my job so i dont make mistakes i have found it difficult to operate eith this institution during their regular business hours and i find myself without money because of the withholding of my checks inside their atm. I put in approx. XXXX into my account, recieved XXXX from it, which went towards my automatic car payment, and now can not get the rest of the money i earned from my blood sweat and tears so that the bank i utilize can hold it and do whatever they can with those holdings themselves. I will be filing this complaint before removing myself from this institution to take my money and keep it in my matress, because at least then i will have access to the payment ive been given for the work i have done. I will not be associated with so called entities that have more lobbying power with my legislators than i myself do. I hope every person who cherishes these scam set ups called banks dies in a massive firestorm, and rots in XXXX for all of eternity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: CA
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$650.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$350.00} XXXXXXXX XXXX XXXX XXXX XXXX {$350.00}

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 explanation
Consumer complaint received 2023-05-04
Company: HUNTINGTON NATIONAL BANK, THE
State: MA
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:
I purchased a vehicle, XX/XX/2020. The financial lender that was selected by the dealership based on the rates was, Huntington National Bank. I was not familiar with the institution I later learned they were popular in the XXXX but didnt have any physical locations in Massachusetts . This was the first mistake that I made because as a result I have never been able to build a rapport with the company and have had to endure a vicious cycle of struggle. 

The global pandemic began a month after I purchased the vehicle but I could not return the vehicle. During that time, lenders were offering payment deferrals because no one was working. Huntington national bank offered me a payment deferral plan, I believe in XXXX of 2020. This was a relief because now I didnt have to worry about that expense, or so I thought. 

90 days later I received a notification from the credit bureaus, I was penalized as having a multitude of late payments XXXX days all Im regards to auto loan. When I called the institution they claimed that they hadnt filed the form, another agent told me there was no form, I asked for them to review the automated conversations because everything was recorded. But, there was never any resolution. These late payments resulted in my credit score dropping over XXXX points. I have had trouble over the last several years rebounding. 

These impacts, based on a relief packaged advertised during the pandemic, have resulted in me being denied for opportunities by lenders and landlords. I have had to live on a living room couch because of the snowball effect of what they did to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: PA
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:
According to the fair credit reporting act 15 USC 1681 section 602A, states there is a need to ensure the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and their respect for the consumers right to privacy XXXX and XXXX are consumer reporting agencies that I am a consumer. I have the right to make sure my private information isnt shared, which is back by 15 USC 6801 which states it is the policy of the Congress that each financial institution has an informative in continuing obligation to respect the privacy of its consumers, and protect the security and confidentialities of those consumers nonpublic, personal information furniture of the information to credit agencies the financial institution in consumer reporting agencies, XXXX and XXXX do not have my consent to finish this information, and they surely do not have my written consent any and all consent XXXX XXXX or XXXX XXXX furniture of information to credit agencies, whether it be verbal, nonverbal, XXXX, implied or otherwise is revoked 15 USC 1602 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a non-affiliated third-party unless the consumer is given an explanation of how the consumer can exercise that non-disclosure ( furniture of the information to credit agencies ) I was never informed of my right to exercise my nondisclosure option not only that 15 USC 1681C ( a ) ( 5 ) states except is authorized under subsection B, no consumer reporting agency, make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes, which antedates the report by more than seven years this account is an adverse item, and they are reporting again without my permission place is against the law 15 USC Statu , 1681S 2 ( A ) ( 1 ) state a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that the information is an accurate. 15 US code 1681 E. State every consumer reporting agency, tell me maintain reasonable procedures, design to avoid violations of section 1681C of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 feet of this title XXXX, XXXX, and XXXX XXXX Im not maintaining rreasonable procedures. Also 12 CSR statute 1016.7 states that. any consumer me exercise the right to opt out at any time I am opting out of your reporting services. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions 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:
I paid my XXXX  card in full in XX/XX/2023. They had just sent it to a collection agency. XXXX is not reporting my credit card paid in full on my credit report. I have tried to contact them, but get someone with a foreign voice that doesn't understand what I am asking for them to do. I have disputed this 3 times with all three credit bureaus, and they will not update my credit report. This is now causing me to be denied from renting an apartment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: AL
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:
Been disputing for the longest as well calling the agencies without getting anything resolved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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:
The company called XXXX Wrongly placed a late payment on my account in error. A representative from the company told me over the phone on XX/XX/2023 and XX/XX/2023 that they are having this with a lot of other students and that for me to dispute with the bureaus because its faster and they notated their accounts as well. I attached the letters that came from them about the mistake. They are calling the late " interest rate freeze ''. PLEASE REMOVE THAT LATE OFF ALL 3 BUREAUS REPORTING FROM THE COMPANY CALLED XXXX. IT WAS AN ERROR ON THEIR END AND I DO NOT WANT IT SHOWING UP. ITS AFFECTING MY CREDIT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: FL
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 open : XX/XX/XXXX XX/XX/XXXX one Late payment ( inaccurate ) ( Payments were on time ) Remove and Delete late payments and up date details immediately. 

XXXX. XXXX XXXX : XXXX, XXXX XX/XX/XXXX one Late payment ( inaccurate ) ( Payments were on time ) Remove and Delete late payments and up date details immediately. 

XXXX. XXXX XXXX : XXXX XXXX, XXXX three lat payments ( XX/XX/XXXX ) Late Accurate, ( XX/XX/XXXX, XX/XX/XXXX ) inaccurate I was never late three times i admit, i was late on XX/XX/XXXX but only three days it wasn't 30 days late. Please correct these items and update them. 

Unauthorized collection/ Unverified account Pursuant to 18 USC 8, Owe no debt. These companies are violating my consumer rights to privacy pursuant to 15 usc 1681b 2. The company has also NO permission to report ANYTHING using my info pursuant to 15 usc 1681 4. Here are the list below : XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX {$930.00}. I asked for documents but nothing was presented. This is a violation under 15 usc 1681 i want documents ink with my name sign.

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