BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Before I start typing this message, I want to make sure that XXXX does not mark this as a duplicate as they did with my last message. ( This is not a duplicate ). 

I contacted XXXX through CFPB in XXXX because the student loan # ending in XXXX that XXXX claims I have should have been relieved under the attorney generals settlement earlier this year. XXXX got back and reported that my cosigners FICO score was above the threshold of XXXX at the time of origination and thats why the loan can not be relieved. 
I am requesting XXXX to please prove that. I did ask them this in my previous message sent to them through CFPB. They didnt have any answer, so they marked it as a duplicate message. 
If XXXX can not provide me a copy of my Cosigners FICO score showing that my cosigners FICO score was about XXXX at the time of origination, then they need to relieve my loan and inform all three credit bureaus. I am requesting all three credit bureaus agencies that if XXXX can not provide me the proof of that FICO score from the time they are claiming then it should be removed from my credit history. I will also send a complaint to the Virginia Attorney General 's office regarding this message. 
I will be waiting for XXXX to respond on this matter. ( THIS IS NOT A DUPLICATE ).

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: Celsius US Holding LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
RE : Celsius Network LLC, et al. 
Bankruptcy and locking user funds I have XXXX Ethereum ( Around XXXX $ ), Small amounts of Bitcoin, XRP, and other coins ( XXXX $ ) : These figures are based off the crypto markets around the time Celsius filled for bankruptcy on XX/XX/2022. 

I researched many companies and was led to believe this company was run by people with our best interests in mind. XXXX XXXX XXXX was vocal on social networks and explaining on weekly XXXX that his 'bank ' was a bank for the people and was working for the people. He guaranteed our money would be safe and even said this exactly 4 days before they locked funds. He said these statements on the XXXX XXXX XXXX XXXX XXXX According to others he also said it on many other channels. 
He sold it as a bank and mentioned nothing about it operating like an unregistered hedge fund. Now it's coming to court he is XXXX  and saying he never sold it as a bank and that he was clear with everyone. He most certainly was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: WELLS FARGO & COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
THIS APPEARS TO BE A FEDERAL CASE, LET ME PREFACE BY XXXX RECENTLY HAD MY XXXX ACCOUNT TRANSFERRED TO A NEW ADDRESS AT WHICH TIME MY SISTER AND I OPENED A JOINT ACCOUNT. FOR 2 MONTHS NO TRANSACTIONS WERE ON MY ACCOUNT ONLY ON THE JOINT ACCOUNT, BUT THIS MONTH XXXX 'S STATEMENT HAD A WITHDRAWAL FROM MY DEBIT CARD WHICH I NEVER USE FOR XXXX OF {$190.00}. ALSO SEEMS ODD THAT I RECEIVED A MESSAGE ON MY CELL XXXX XX/XX/2022 FROM XXXX WHICH STATED " HI XXXX OUR TEAM HAS JUST RECEIVED YOUR XXXX PHONE BILL PAYMENT. WE WILL SEND YOU XXXX XXXX STOP TO END XXXX ''. I HAVE NEVER RECEIVED NOTIFICATIONS ON MY CELL ONLY THRU EMAIL. 

I HAVE NOTIFIED MY BANK AND XXXX WHO STATED THEY WOULD TAKE ME OFF DIRECT PAYMENT, THANKS FOR YOU ASSISTANCE AND SHOULD YOU NEED FURTHER INFO PLEASE CALL 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 2022-08-01
Company: EQUIFAX, 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:
Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my authorization.

US SM BUS ADMIN ODA - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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: Public record information inaccurate

Complaint:
I have a dilemma and I am hoping to have this figured out. I have a bankruptcy listed on my XXXX, Experian, and XXXX report. It states that it is an account or record for me. After looking into the matter I contacted the courts about this and they advised that not only do I have no reference to this record but that it was never be shared with the credit reporting agencies. I request the bankruptcy and any accounts associated with it be removed immediately. Reporting incorrect or inaccurate information that is not true, or even given to the credit reporting agencies from some 3rd party without my permission is a violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of 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 2022-12-09
Company: AES/PHEAA
State: AL
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, Account # XXXX Account # XXXX 15 USC 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Dear Consumer Financial Protection Bureau : This letter is a complaint about a mistaken account close down and two suspended checks issue with Chase bank.I deposit two checks from my former employer on XX/XX/2022. After reviewing by Chase, they said that they can not verify if the check is valid and they decided to close my account on XX/XX/2022. I have contacted Chase from XX/XX/2022 until now about the verification of my check and trying to save my account from closing down. And I did the following to give my proof to Chase : 1. I have contacted Chase customer service stating that I have direct deposit from the same employer to the same checking account for over 1 year. And the maker name of the check is exactly the same as it shows on my direct deposit statement. I left the company on XXXX, XXXX  and they decided to give me my last salary through check and there is no reason to suspended it. 
2. I was told by the Chase customer service that I need document that proof I was working for the company and my employer should visit the branch with me to provide it. So I have contact my former employer and since the financial department of my former employer is located in XXXX XXXX  and I am located in XXXX XXXX, me and the payroll manager visited Chase branch at the same time on XX/XX/2022 but different location which is also a solution provided by Chase. The payroll manager provided the proof that I was an employer of the company which was what Chase ask for. 
3. After I provided what Chase said they need, Chase still closed my account on XX/XX/2022 with no email or phone call notice. And they did not give me any feedback about the document that I submitted before. After they closed my account, they kept the check money and never funded to me. And I have contacted my former employer, they never funded the money back to them either. 
4. On XX/XX/2022, I visited Chase branch with my former manger who is also located in XXXX XXXX trying to solve this check issue. After a long conversation with Chase, they said that there is nothing they can do about it. They do not want any proof from me and they can not fund me the money and they can not fund the money back to my former employer. 
I am dissatisfied with Chase because of my suspended checks and my account close-down.I have already attempted to resolve this problem by making lots of phone calls, providing document they asked and visiting the branch in person with my former employer. But Chase did not solve the problem and they didnt even give me any notice or reasons why it is still suspended. Whats worse, they refused to funded to money to me or to my former employer who is the check maker. I am very disappointed and it caused me a lot of troubles.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I sent a verification letter certified to XXXX XXXX XXXX. on XX/XX/2021 asking them to verify this debt of {$1900.00} but they failed to 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
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:
I have been a victim of identity theft. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been a victim of identity theft. Please see the attached documents for reference.

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: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have a dilemma and I am hoping to have this figured out. I have a bankruptcy listed on my Equifax, XXXX, and XXXX report. It states that it is an account or record for me. After looking into the matter I contacted the courts about this and they advised that not only do I have no reference to this record but that it was never be shared with the credit reporting agencies. I request the bankruptcy and any accounts associated with it be removed immediately. Reporting incorrect or inaccurate information that is not true, or even given to the credit reporting agencies from some 3rd party without my permission is a violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: NRA Group, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I messaged the company and they refused to confirm the debt. I have proof in text messages and will be contacting the Attorney Generals Office if this matter isn't solved. I was told I owe {$340.00} from a utility company. I've never heard of this company and never signed any documents for them. This debt collector is being rude and not helpful at all. Not sure if they are a scam or what but I need to see proof of this and where it came from before I pursue more actions.

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: Westlake Services, LLC
State: MD
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:
15 usc 1681 section 602 states i have the right to privacy.

15 usc section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written consent 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 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: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, Credit Acceptance has violated my rights under 15USc1681 section 602 states I have the right to privacy. 15 USC 1681.604a section2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor can not treat a payment on a credit card under an open end consumer 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: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had a XXXX charge on my bank statement. I looked up on XXXX for a customer support number. I found this one ( XXXX ) XXXX. They answered right away the guy used the name XXXX XXXX and he said XXXX support. May I help you? I told him I have a monthly charge of XXXX I dont recognize. They asked for my XXXX ID. I told them I dont know it. They advised me to go to the XXXX XXXX and download XXXX app. They said, Your phone has been hacked into and your financial data like credit cards and your banking are at extreme risk. They said we will walk you through and now can see each one of your accounts. They got full access of my phone screen they were directing me to download XXXX, and send a money transfer to XXXX and XXXX. I was questioning and they said no we are not the hackers we are XXXX support you called us remember? Scammers call you!! So I trusted these dummy transfers because they said once they are done with the identity clarification they will transfer the money right back to my accounts. They used XXXX XXXX app to get a total of {$950.00} USD {$510.00} from my XXXX XXXX credit card, and {$470.00} from one of my XXXX XXXX XXXXXXXX XXXX XXXX. Lastly, {$340.00} out of my Chase checking account using XXXX. Payment was transferred to a XXXX XXXX. The credit card transfer amounts went through XXXX XXXX to a XXXX XXXX XXXX, XXXX # XXXX. These transactions were still pending when I went to my chase bank branch and when I called XXXX XXXX and when I called XXXX XXXX XXXX. The XXXX  transaction went through within 4 seconds. This should not be. The scammers tried to submit the {$510.00} twice but XXXX declined the one but let the other one go before the declined the second. Please help. This is the email they used XXXX. XXXX ID XXXX id XXXX. I filed a complaint with XXXX, XXXX, Chase, XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX. 
I also filed a XXXX police report in my XXXX where I live. File number is XXXX. 

Thank you for your help in this very disappointing vulnerable sad time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I tried apply for a car loan one day then out of no where I look at the credit report that they give me and I see that Oportun was on there even though I never got approved for a loan with them and it started affecting my credit with late payments when I wasnt even aware of this problem. I never received any type of money from them or anything and I did not sign any paperwork for that loan

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
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: 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 2022-09-27
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I filed a complaint with the CFPB see case number below. 

I still disagree with their response. AMEX cant even get the date I opened the account correct. Their response letter says XX/XX/2022 I opened the account but it did not have the 0 % promotional offer linked to it. However I opened the account on XXXX XX/XX/2022. I have confirmed this with my credit report. 

An ANEX manager told me AMEX doesnt even know what offers are given out through 3rd parties such as XXXX where I signed up for the card. If they dont know the offers and dont know when I opened the account, I cant take their response. 

I would like AMEX to honor the offer I signed up on and detailed in my last complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions 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 XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have to the right to privacy. 

15 U.S.C. 1681 Section 604 A, Section 2 : it also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
You are Violating the FCRA Pursuant 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience between the CONSUMER and PERSON making the report is not included on the consumer reports!! Delete ALL Late Payments on my Consumer Report. Specifically, this account with, CAP ONE AUTO, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX you reported that my transaction was 30 and 60 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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: 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
my bank pulled a free credit report for me an I found all of these names an accounts that dont belong to me. I filed a police report an called all companies they wont do nothing

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