BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: FL
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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX on XX/XX/2022. 
Inquiry from XXXX on XX/XX/2022. 
Inquiry from XXXX XXXX on XX/XX/2022. 
Inquiry from XXXX XXXX XXXX on XX/XX/2022. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's giving me anxiety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: FREEDOM FINANCIAL NETWORK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
Freedom Debt Relief charged over {$24000.00} in fees. I was advised to ruin my credit and was receiving lawsuits. When I realized all my money went to fees and my debt was not being reduced I filed bankruptcy to resolve the lawsuits. Only one account for under {$300.00} was resolved by them. They refuse to refund any fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: GA
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:
Ref XXXX. They decided to respond and mention results from XXXX  which did not address my concern listed in the complaint referenced above. Therefore, they are failing to protect the information that determines my reputation. I want to be able to reach out to these companies directly who have ILLEGALLY obtained my credit information and I am seeking assistance from the CONSUMER REPORTING AGENCY so I can do so. You all should not be allowing companies to just pull my information without prior consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$410.00} XXXX XXXX Balance : {$3600.00}

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 2022-07-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: PNC Bank N.A.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I am requesting a special courtesy removal of a delinquency on my credit report from a PNC credit card I held in 2019. Because this was my first time using a credit card and I found myself in an emergency situation, I was suddenly unable to pay my minimum payments on time and incurred a large debt. However, I have since settled the charge off with a third-party collector. Despite this, PNC has refused to remove the negative item from my credit report. I would like PNC to consider the special courtesy removal, especially because during the time I was forced to settle the payment, I lost my home in a fire and had many emergency costs. I have included a letter from the Office of XXXX XXXX in XXXX XXXX DC to verify. Please consider my request for removal given these challenging circumstances. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
there are 9 fraudulent inquiries on my credit report. 

below are the names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-27
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I withdrew {$5000.00} out of my account to purchase lumber five days ago and the next day I tried to login my account online and it stated it was locked so I called and the rep stated I need to go to the bank so I did. Once I arrived at the branch in XXXX, Arkansas to find out whats going on, the assistance manager XXXX said that my account is being closed because I have had a lot of transactions in my account so the bank think Im money laundering. which is definitely not the case so they went off their assumptions and decided to close my account without any facts or proof.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: AmeriCash Holding LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Something only wrong with small amount for {$250.00} and now they're trying to get over {$1000.00} for me and consumers only paid what they owe and I did already make payments back towards the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I'm unaware of who I should direct this inquiry so my apologies if you don't handle this but my " Statement of Vehicle Sale '', the " Retail Installment Contract '' and what the dealer told me are all completely different prices. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2011 XXXX XXXX XXXX Door Sedan Vehicle Mileage - XXXX miles ***** '' Statement of Vehicle Sale '' ***** Plate Fee - {$110.00} Title Fee - {$15.00} Sales Tax - {$480.00} Purchase Price of Vehicle - {$7900.00} Other Taxable Charges- {$210.00} Total - {$8100.00} Non Taxable Charges - {$1700.00} Total Delivered Price - {$10000.00} Down Payment - {$1200.00} Unpaid Balance Financed- {$9200.00} Total of Finance Contract - {$14000.00} XXXX '' Retail Installment Contract '' **** Motor Vehicle Cash Price - {$7900.00} Paid to Public Officials for Certificate of Title XXXX {$23.00} Sales Tax - {$490.00} Document Preparation Fees - {$220.00} Non Taxable Charges - {$1700.00} Cash Price - {$10000.00} Down Payment - {$1200.00} Unpaid Balance Financed- {$9200.00} Finance Charges - {$5300.00} Total of Finance Contract XXXX {$14000.00} ***** '' Dealer Advertised Pricing and Actual Deposit Amount '' ***** Motor Vehicle Cash Price - {$5900.00} Sales Tax - {$350.00} Document Preparation Fees - {$220.00} Gap Coverage - {$1700.00} Down Payment - {$2000.00} Unpaid Balance Financed- {$6300.00} Finance Charges - {$2900.00} Total of Finance Contract XXXX {$9200.00} If this is not something your department handles I would appreciate if you could point me in the right direction. 

Thank you, 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 2022-10-21
Company: Early Warning Services, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I was going through a XXXX. I was awarded the formerly shared account from XXXX in the settlement. On XX/XX/XXXX, my now XXXX  continued to try to withdraw funds and so I decided to open a new account and just transfer the funds out. 

In the process of trying to get this open, XXXX said that they got a report from Early Warning reporting service allegedly about " an issue with a bank or financial institution ) and so a was not allowed to open the account. 

XXXX gave me the contact information for Early Warning and I immediately contacted them. I was concern with having to provide my full XXXX and to a person that sounded like they were working in some kind of XXXX XXXX XXXX XXXX 

I nonetheless went through the process and was told that I would have the report within 15 days. 

Today ( XX/XX/XXXX ) I called because I still have yet to receive any documents. When I called, they wanted me to re-provide all of the personal info. I said that I had a reference number but they couldn't find it without the personal info. I gave it and then I was told that they didn't get another form from me. 

I was never told that more documents were needed and now am waiting for them to send me the alleged needed form again. Most interesting is that they said that they needed to send this through the mail. But I only had given my email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: FREEDOM FINANCIAL NETWORK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
This complaint is concerning the predatory and unethical business practices of Freedom Debt Relief. We had worked with Freedom Debt Relief for approximately two years paying off debts. We were working on the last account debt to be paid off and in XX/XX/2019 we had asked Freedom Debt Relief how much money we would need to deposit as a one time deposit so that all of my remaining debt would be paid off. They told us a quantity of {$1400.00} including their service and settlement fees. Freedom Debt Relief said that it was not possible to deposit to the account immediately and that the earliest they could withdraw the money was on XX/XX/XXXX. Freedom Debt Relief pulled out the money from our bank account on XX/XX/XXXX and then stated that they take up to 30 days to process the payment to the creditors. I checked with them at least 2 times before the 30 days had passed to see if they were able to prompt the system to send the payment to the creditors and they said they could not do it until 30 days passed. Once the 30 days passed ( XX/XX/XXXX ) they had not done the payment to pay off the debt and they only did a regular scheduled payment to the creditor ( {$210.00} ) instead of paying the debt in full and finalizing the program. On XX/XX/XXXX they pulled out additional service fees and now state that there is not enough money in our Freedom Debt Relief account to pay off the debt to the creditor in full as we initially had the agreement to do and Freedom Debt Relief is now requiring us to provide an additional payment to them in order to complete the amount needed to pay off the debt and because it takes 30 days to process when you do an extra deposit, they will charge additional service fees again for the next month. I authorized to make an extra deposit for {$45.00} so that there is enough money for the remaining of the debt plus additional fees that are accruing because of their negligence. If they do not do the deposit this time, again I will not have enough money to pay off the debt in full and will need to deposit even more money on fees for work that they are not doing. 
I also asked for the transcripts of the chats ( all of these conversations were via online chat so there is written evidence of everything ) and when I asked for the transcripts, they replied they do not provide transcripts of the chats. We had an agreement with Freedom Debt Relief to pay off a debt in full and we are experiencing negligence and/or intentional actions by Freedom Debt Relief to not fulfill their agreed responsibilities and in addition to this they are charging us more fees and requiring us to make more deposits because of their refusal to fulfill their obligations as were agreed to. We need this cycle to end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid 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:
I received a email alert from Capital one on XX/XX/17 for recurring charges. This alerted me right away to fraudulent charges. Once on phone with Capital one fraud department they informed me of other recurring charges for same amounts and ALL were unauthorized. There were a total of XXXX charges that were unauthorized by either myself or my husband. One of which was a " E-book for working out '', My husband doesn't even workout. All charges brought to my attention were NOT authorized. Capital one opened a investigation and returned with a response and letter dated XX/XX/XXXX telling us we were responsible for charges after their investigation. On XX/XX/XXXX I called and spoke with management in the fraud department and was told that because I paid my bill every month that they deemed these charges valid. This company offers fraud protection in its advertising and marketing. They did not return that to this customer for 100 % valid fraudulent charges. How you can deem someone responsible because they pay their bill on time every month is alarming. My spouse and I do very well and pay our bills without question until something arises that alerts us such as capital ones email did. I can see how it would be easy for criminal to charge small amounts monthly that end up adding up without notice until such as my case, was alerted. I find it unacceptable on capital ones part to offer fraud protection and then not follow through and deeming the customer responsible because they pay their bill on time. I want our monies back for reported fraud charges. Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I placed an order through XXXX who works with a third-party vendor that third-party vendor never sent that item I purchased through XXXX after multiple request for updates from XXXX and the third-party vendor I submitted a request through my credit card company which is controlled by Goldman Sachs. Goldman Sachs followed up on the dispute in regards to if a purchase was made. Goldman Sachs never followed up on if the item had been received. Goldman Sachs then refuse to follow up on the correct type of dispute and I was charged for a product which I never received

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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: Was not notified of investigation status or results

Complaint:
Reached out to each company, we're fraud inquiries and fraud accounts in my name. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I transferred funds from my trading account to my Coinbase account. The wallet address in Coinbase was in USDC, however, the funds were received into my Coinbase account in USDT. My total Coinbase balance reflects the funds received however upon making an attempt to convert the USDT to regular USD, Coinbase doesnt allow me to to do. At first, I didnt know where the funds were at but upon contacting Coinbase, they told me that its in USDT XXXX I explained to them that I cant convert to USD. They provided no assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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: Account information incorrect

Complaint:
I have disputed the following with Experian and the creditor directly. 

I have uploaded two copies of my credit report so the discrepancies can be seen on the reporting. 


XXXX 11 potentially negative months The payment and final agreement were made by my ex-husband, I did not even know the account was opened under my name & social. there was almost zero way to get the account number to even try to work with XXXX XXXX directly in the Beginning of me trying to resolve this issue. 

XXXX XXXX XXXX XXXX  XXXX shows opened XX/XX/XXXX payment legend shows only 3 months of collections {$1900.00} Incorrect Reporting on the date opened, showing the date the collections was opened. 
Also was not opened by me and the original creditor can not provide proof upon request. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3700.00} Incorrect date of delinquency Incorrect Reporting on the date opened, showing the date the collections was opened. 
Also was not opened by me and the original creditor can not provide proof upon request. 

XXXX XXXX XXXX XXXX {$520.00} Original creditor : XXXX XXXX showing opened date of XX/XX/XXXX- but XXXX Reported it delinquent before that Incorrect Reporting on the date opened, showing the date the collections was opened. 
Also was not opened by me and the original creditor can not provide proof upon request.

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: WELLS FARGO & COMPANY
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We searched online for a horse trailer and found one that was located in NY. After agreeing on price and terms, we were sent wire transfer instructions. The money ( {$4300.00} ) was sent and receipt was confirmed. The trailer was supposed to ship in 25 days. 

When we had not heard anything from the company, we attempted to contact them with no luck. We ultimately determined it was a scam. The wiring instructions are attached. 

We requested Wells Fargo rescind the wire but have heard nothing from them. We also attempted to call XXXX XXXX  who was the recipient bank but they did not respond.

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