BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-18
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:
I received a notification from XXXX XXXX on XX/XX/2022 that a credit card had been opened in my name at XXXX XXXX XXXX. I have never purchased anything from them either online or in the store. I called the company to see what was going on. I asked her to close the account and told her it was fraudulent. She said it " seemed like a fraudulent purchase '' but She also told me that I was responsible for the payments or it will ruin my credit!! I disputed the charges on that day. XXXX and XXXX would not tell me where these goods were shipped. She told me the purchase was made online and the credit card was opened online. A week later I received a store credit card from XXXX and XXXX in the mail at my house! That means this fraud person knows my home address!! Also on XX/XX/2022 I called Equifax & spoke to XXXX and XXXX and explained the situation, they said they would dispute the charges. I also put a total credit hold on ALL my credit. Now fast forward a few weeks and XXXX XXXX XXXX is now claiming that these charges are MY RESPONSIBILITY and refusing to drop the charge. Equifax agreed with them and said I am responsible for this $ XXXX credit card! This is questionable business practices. I asked to know HOW they came up with this conclusion, and they could not even tell me. Also I filed a police report with my local police and I can provide the police report upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Affirm Holdings, Inc
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am a senior citizen and in XXXX of XXXX I opened an Affirm savings account to save money for XXXX XXXX. The account number is XXXX. I set up automatic withdrawals from my checking account to my savings account for {$50.00} a month. In XXXX I found I could no longer access my account through Affirm.com online with my computer. They apparently changed all their access to cell phones only. I could not access my account with my cell phone even after numerous calls to the company. I spent hours on the phone from XXXX to XXXX with no way to access my account to spend my funds for XXXX. I could not afford to use the money in my checking account so most of my XXXX shopping had to be canceled because of Affirm 's lack of response and efforts to resolve my situation. On XX/XX/XXXX I spent another hour on the phone with an Affirm representative, I canceled my account and asked that my savings be returned to me to the checking account they were withdrawing from, and to have all future automatic withdrawals canceled. On XX/XX/XXXX, I resent the copy of the requested bank statement for my checking account that I sent on the XXXX while I was on the phone with the rep. I have since found out there are over XXXX complaints online against Affirm and this very subject. I am appalled that a company would fail to respond while acting as a bank, to refund a consumer 's savings and I believe this is against the law and that laws have been broken. I believe the CFPB needs to investigate not just my case, but investigate this company for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: FL
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction or deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: PA
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19
Company: Securus J Holdings, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I set up a reoccuring monthly transfer on JPay for a family memory on XXXX XX/XX/2023. 

When I initially set it up a confirmation screen came up that confirmed {$33.00} would be charged to my account. This is this is the usual fee for this amount. Sadly I did not grab a screen capture of that confirmation and am now wishing I had. 

Now a day later when the actual charge came through the amount is {$36.00}. That is an an additional {$2.00} for this {$30.00} payment, which was set up as reoccuring. That is the only difference between this payment and all others I have sent. 

This is clearly over the stated rate of {$3.00}. After talking to the JPay customer service it turns out that EVERY reoccuring payment will have this additional fee and for what? Solely because the payment is reoccuring. The agent said it was in the terms and conditions. Well I went through the T 's & C 's and there is nothing in there about the additional cost. The site clearly states the fee for money transfers is {$3.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them from my file : 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 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 explanation
Consumer complaint received 2023-11-26
Company: Radius Global Solutions LLC
State: KS
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted the company 's number listed and they explained to me that they are basically a negotiator with a debt company and did not have an acct trying to collect on from me. I have no knowledge of a XXXX XXXX acct In my name

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 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!

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 2023-08-29
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history. Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I hope this letter finds you well. I am writing to formally lodge a complaint concerning multiple inaccurate address listings and fraudulent inquiries on my credit report, which have caused significant distress and concern. My name is XXXX XXXX, and I have been a responsible and diligent credit user for many years. 

I recently reviewed my credit report from Experian, XXXX and XXXX Credit Bureaus and discovered several inaccuracies and fraudulent inquiries that require immediate attention. I noticed that my credit report contains multiple addresses that I have never resided at. These inaccuracies not only cast doubt on the reliability of my credit report but also raise concerns about potential identity theft or fraudulent activities. There are several credit inquiries on my report that I did not initiate. These inquiries were made without my consent or knowledge, and they were not related to any legitimate credit applications or transactions I have undertaken. I understand the importance of maintaining an accurate credit report, as it plays a crucial role in my financial well-being. These inaccuracies and fraudulent inquiries not only damage my creditworthiness but also create a sense of vulnerability and insecurity. 

I kindly request that you take immediate action to investigate and rectify these issues on my credit report. I have attached copies of my credit report highlighting the inaccuracies and fraudulent inquiries for your reference. 

I understand the importance of maintaining accurate credit reporting and trust that the 3 credit bureaus will take the necessary steps to rectify this situation promptly. Please keep me informed of the progress of your investigation and any actions taken to resolve these issues. I believe it is essential to highlight the issues I have encountered about this fraudulent items : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I noticed a fraudulent charge on my credit card from XXXX XXXX XXXX XXXX XXXX for {$5000.00} on XX/XX/XXXX. I immediately contacted Bank of America to report this fraud and cancelled the credit card to ensure there was no more fraudulent charges. I also contacted the XXXX XXXX Sheriff Department and filed a report. 

Bank of America denied this claim for {$5000.00} and then tried to charge me interest for the amount. I reopened the claim again and they denied it without any explanation, I asked for all the documentation to show why they denied it. They responded and said I am not allowed to see the information as it is internal only. 

At this point I asked for a supervisor and had to provide all the information again to them. They reopened the case in XXXX and I haven't got a update since. 

Now being XX/XX/XXXX ( almost 8 months after the fraud ) I called Bank of America for an update : XXXX : Called the same number I have been calling and spoke with a representative. They notified me that I had the wrong department and transferred me. Once getting on the phone with that department they transferred me again. Now talking to the 3rd person they hung up on me. 

XXXX : Called the " new number '' I was provided for the fraud department after 2 minutes of explaining that I needed information on the claim they hunt up on me. 

XXXX : Called the number again and spoke to 4 different people in 4 different departments. After over an hour of trying to get information they hung up on me again without providing any information. 

XXXX : Called the number again and immediately asked for a supervisor. After explaining what was going on he hung up on me without providing any information. 

XXXX : Called the number again and the representative told me I had the wrong department ( been the same phone number everytime I called. Transferred to a different department and immediately asked for a supervisor. I was on hold for 33 minutes and they advised me they couldn't connect me to a supervisor and hung up on me. 

I am at a complete loss and not sure what to do at this point.

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 2023-08-29
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting 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. 

1, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 604a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan for any given purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Payward Ventures Inc. dba Kraken
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello! 
My name is XXXX XXXX! and I'm the XXXX  of the " Payward '', " Kraken '' : Kraken Account XXXX XXXX XXXX. 

I'm having the issue with " Payward '', " Kraken '' Kraken Company, they just few hours sent me a mail that unexpectedly my account will be closed without reason. Also my balance can not be withdrawable in assets. 

I have clearly replayed mails with them without finding a solution. 
They want that my balance to be withdrawn by bank account, But since i own an asset in lost of price and value i can not withdraw them by bank. 
I have already explained them that this asset must be withdrawable in Virtual Currency as it is without exception, and i will conserve that in other place. But they refuse this solution and claims that i have to convert my assets in cash to withdraw them. 
But since the loose is a considerable amount for me I'm not gon na accept their enforcement to oblige me to convert the amount as like that they don't loose their money only my money. I have offered to them several solution for this but they refuse it. 

As far i have read to many of the reports recently i think " Payward '', " Kraken '' Company is taking further steps to a massive scam where i think I'm a victim too. 

I would like to have you support and solve this matter where they involved me. 

Thank you Kind Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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:
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Source Receivables Management LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to another phone company, i made planes to pay XXXX in increments to collect the remaining balances to the phones but they wanted the whole amount that I did not have. they sold my account to another company and now that want the full XXXX without wanting to get a payment plan.

Company response to consumer: Closed with explanation