BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-10
Company: EQUIFAX, INC.
State: PR
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:
Greetings. I periodically check my credit on XXXX XXXX and I have seen that there are hard inquiries that I didnt ask for. There are XXXX in the same date. Im worried that someone is trying to use my credit information or those companies are making changes on my score. My score drop down XXXX points without my consent. <P/>This is what i found in my credit that i do n't recognize 1. XXXX XXXX Last Reported by Equifax XX/XX/XXXX 2. XXXX Last Reported by Equifax XX/XX/XXXX 3. XXXX Last Reported by Equifax XX/XX/XXXX 4. XXXX XXXX XXXX Last Reported by Equifax XX/XX/XXXX - Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: New Century Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
New century financial services is subpoenaed me to fill out a questionnaire for the amount of {$1900.00} on a bill I never had and its dated back in XX/XX/XXXX. Tells me if I dont fill it out I am in contempt of court if I dont comply and fill out the info. They said I paid money last year and I never did. I dont even know what this is about. 
I just got this today XX/XX/XXXX. A lawyer company through XXXX XXXX  XXXX in XXXX issued me a notification along with the Supreme Court of the state of New York county of XXXXXXXX. Does not look legit and the questionnaire is asking a bunch of personal questions such as SSN ( which is already on their file apparently ) and asking for my income and other info. I do not owe this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX living man conducted an investigation of my consumer report which caused great XXXX and stress on me mentally and physically when I found inaccurate, unauthorized, unverifiable and questionable items that your agency failed to make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) - Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( 5 ) -Treatment of inaccurate or unverifiable information, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days of your investigation, you must remove the accounts and or the information listed below. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Thanks for your help with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In  XXXX   XXXX  I moved from  XXXX    XXXX    XXXX   XXXX   XXXX  CA  XXXX . Not until late  XXXX   XXXX  did I receive a move out statement. Since this was well past the 19 day limit in my state I informed the compan y (   XXXX   XXXX   XXXX   ) th at not only did I not owe them anything instead I was due my full deposit back. Which they in fact did return within 5 days? I assumed the issue was closed. 11 months later I get a letter from a debt collector about the same matter. I write and called explaining this issue had been resolved. They ( debt collector ) proceeded to place this debt on all   XXXX   credit bureaus. I am about to be homeless because these jerks make it seem as if I was evicted or something. I did n't owe the apartment complex any of that money and had they been the ones fighting me on this I would have addressed each and every reason why their calculations were incorrect. But they did not choose to fight me nor have I been taken to court.  XXXX   XXXX   XXXX  is not a company. So basically this collection agency is collecting  for NOONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: DISCOVER BANK
State: MN
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:
XX/XX/XXXX XXXX XXXX {$180.00} Fraudulent Charge Posted XXXX I Filed Dispute with XXXX - XXXX XXXX XXXX Denied My Claim XXXX I Filed Dispute with Discover - XXXX Discover Denied My Claim

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I disputed an erroneous account ( XXXX XXXX XXXX ) on my Transunion Credit Report on XX/XX/2021. Transunion received my dispute, and to date ( XX/XX/2021 ) transunion has not responded to my request for this incorrect account to be deleted. From my understanding, by law, XXXX XXXX XXXX have 30 days from the date received to investigate and respond the consumer, and if they can not do so the incorrect account MUST be removed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I made several attempts to obtain my credit report thru annual credit report.com but I was unable to get  XXXX  of my reports Experian and  XXXX . My conformation number for  XXXX  is  XXXX  report date was  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX  address.  XXXX    XXXX   XXXX    XXXX   XXXX , CA  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 2017-06-10
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My company sends my information slow to a lender. They see how much I get paid or how much I have in my account and decide how much to lend me. They have sent my information slowly and the company wo n't lend me any more money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: SYNCHRONY FINANCIAL
State: TX
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:
During COVID my family was ravaged by sickness and my role in the house became a primary carer for my wife and XXXX children. I reached out to Synchrony Bank, the party responsible for the issue of a credit line from Amazon. As part of their covid program I closed my account and made payments per the agreement in place. For the period XX/XX/2020 through XX/XX/2020 Synchrony reported that I did not make payments, when in fact I had made payments. As a result my credit report suggests I am a serious delinquent. Further, they did not even report anything for XX/XX/2020. Account since fully repaid with a XXXX balance. 

I have reached out multiple times with zero assistance offered.

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 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deepl

y affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 2020-02-29
Company: Ingo Money, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
Ingo Money placed a block on my account due to a check returned as cashed. The transaction, a check deposit in the amount of {$1000.00} on XX/XX/XXXX I believe, caused a block placed because I chose to cash check at a XXXX  XXXX XXXX due to a sudden emergency ... .I explained this to rep on with Ingo on XXXX.. I took check to a XXXX  XXXX XXXX, the bank it is issued from, cashed it on XX/XX/XXXX. Rep stated the account is in collections when the funds were not credited to account I used for mobile deposit on XX/XX/XXXX, which I also explained..I do not owe on this amount ... The rep tried to infer I had cashed check twice which does not make sense and is not what occurred. I left a message for a supervisor, did not get a call back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Coinbase, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Lookout Request : Fwd : Sorry, Your Account Has Been Iocked [ # XXXX ] From : XXXX XXXX XXXX XXXX Sent : Saturday, XX/XX/2021 XXXX XXXX To : XXXX XXXX Subject : Fwd : Sorry, Your Account Has Been Iocked [ # XXXX ] Get Outlook for Android From : Coinbase XXXX Sent : Saturday XXXX XX/XX/2021 XXXX XXXX To : XXXX XXXX Subject : Re : Sorry, Your Account Has Been Iocked [ # XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: CURO Intermediate Holdings
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On  XXXX   XXXX ,    2017  I saw a charge come through for {$59.00} that was taken by this company called  XXXX   XXXX . They stated that it was for insurance on a card. I informed them that I did not make that purchase and they wanted me to fill out this form and send back the card. I told them how can i do that if i dont have the card. So I went to my prepaid card company and they told me that I would have to send in a letter stating what happened in 10 days. I sent the letter but they stated that they didnt get it. Then I sent it in again and by this time it was after the 10 days so they stated that they wouldnt be able to issue a courtesy credit. They stated that they would just go ahead and dispute with the merchant. So they did and the long wait began. I was told that they gave them until  XXXX   XXXX  to respond and it was only  XXXX . I was very upset because im unemployed and have no other income coming in. I called alot to check on the status and every time i called it was a different story. So i wanted to cancel that dispute and put it in again just to get the courtesy. T his one representative told me that I can do it. SO when it was time for me to cancel the dispu te i was told that i couldnt and that it would be no guarantees that I would get the courtesy. So i told them to just leave it alone. I checked my account  XXXX  and the m oney was there but they took it right back. Its been one thinn g after the next. So  XXXX   XXXX  comes and they tell me to refax the written statement that they originally wanted. And today I was told that the merchant have until  XXXX   XXXX  to respond.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-15
Company: RC Willey
State: UT
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:
Received hard credit inquiry without any consent, form, request or verbal or written authorization to do so. I found out when my. Credit monitoring alert notified me on this hard Inquiry hit. I am not inquiring on new debt or soliciting for any services from any retail company as I am closing on refinancing for my home. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I've requested several times for Equifax to release my credit score. I was told to send in copies of my S.S.C as well as a passport and a written letter stating what needed to be done to my account on XX/XX/20 and sent in more information on the XXXX on XXXX. I called this past monday and was told that they can't provide me information and that I would have to resend in information again. I've very overwhelmed! My loved ones have been effected by the COVID-19 and some have passed away! Equifax has been unresponsive and I'm having anxiety attacks! Please help me and advise on what needs to be done!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Purchased tv on 24 months promotion from Best Buy on XX/XX/2019 never picked up returned on XXXX XXXXOn my XXXX statement XXXX plus interest was added onto my bill.Contacted Best Buy to resolve issue the only solution they gave me was to pay XXXX for the amount of the original purchase.They said they put the return towards my regular purchases.That is not my fault as far as Im concerned thats fraud, I returned the tv there shouldnt be no interest.

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 2022-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have 5 inquiries made on my report from loans and credit card applications that I did not make. Someone had stolen my identity and I didnt realize it until I received a capital one card that I did not apply for I then called and canceled the card and started to see notes about loans being applied for and made a XXXX report to see what all was created. I noticed they was all made on XXXX and the accounts are as follows XXXX XXXX, XXXX, Capital One Bank USA NA , Capital One US card XXXX and XXXX XXXX. I would like these marks removed from my account and the amounts closed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This problem occurred because XXXX XXXX  made a withdrawal from my account totaling over 4,000 and then drafted both my saving and checking account for over {$400.00} each ( the savings was later cancelled XX/XX/XXXX by XXXX at Capital One ). CapitalOne allowed the transaction to process between XXXX XXXX  and CapitalOne on XX/XX/XXXX for a deposit which they stated was a refund for over {$4000.00} made to CapitalOne and then a transaction from both savings and checking ( Checking is  still -XXXX ). CapitalOne wanted to make me responsible for a transaction I didn't authorize or engage in AT ALL. I received a letter from CapitalOne on XX/XX/XXXX which informed me my account was below {$0.00} which prompted me to contact CapitalOne regarding my account. On XX/XX/XXXX, CapitalOne attempted to make me responsible for this unauthorized refund/ withdrawal from my account when I clearly informed them that I have never initiated this transfer of monies. CapitalOne told me to call XXXX XXXX XXXX XXXX who made the transaction. I contacted XXXX XXXX XXXX XXXX just to be told that they can not see the transaction and that I need to call XXXX the Bank directly. O contacted the bank and they informed me that they couldn't see the transaction. I contacted XXXX XXXX XXXX XXXX again to be told she can not see It either. I reached out to CapitalOne again on XX/XX/XXXX evening time and was informed by CapitalOne that they no longer want a bank relationship with me and that they are restricting the account to shut it down while the account is still negative and a fraudulent transaction still exist. Then, CapitalOne removes the overdrawn balance from the savings and leave the existing -XXXX in the checking account. CapitalOne representative, XXXX responds that I am responsible for this transaction that I never authorized again. No to mention CapitalOne left me on hold for over 1 hour.  Then CapitalOne tell me that a debit card that was on the account since XXXX wasn't suppose to be there after 11 years. I requested that they close the account as long as they can resolve the fraudulent transfer but they refused. Now, I'm still on the line trying to resolve this issue. More people were involved in this incident which includes : XXXX- XXXX  XX/XX/XXXX XXXX-XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX-XXXX-XXXX  CapitalOne XX/XX/XXXX XXXX XX/XX/XXXX @ XXXX XXXX  XXXX-CapitalOne XX/XX/XXXX XXXX XXXX  approx. 
XXXX XX/XX/XXXX @ XXXX XXXX  - File a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: CITIBANK, N.A.
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:
On   XXXX   XXXX   XXXX   , I r eceived a letter in the post from  Citibank stating that Citibank has closed my credit card due to supposed inactivity. Prior to this letter, I received absolutely no notification whatsoever from Citibank regarding this closure. Citibank automatically closed my credit card on its own at its own will, without even the slightest common courtesy and decency of notifying me well in advance of its action and the steps I ought to take to prevent such action. I logged into my online account. I was able to conduct a chat session there, but the representative could not do anything to remed y the issue at stake. I called   XXXX   , but the  automatic system hung up on me when it could not understand the reason for my call. I then called again. A representative said my account would be under review, and that indeed, absolutely nothing could be done immediately such that I could use my card right away. I would like to add that both  American Express and   XXXX   have  confirmed to me they will never do such an automatic closure without proper advance notification. Shame on  Citibank.

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 2022-04-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 someone transferred XXXX dollars from a new USAA checking account to an old USAA checking account. The XXXX XXXX transfer was unauthorized. I created a new USAA checking account after a so-called " spoof '' attempt that occurred on XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation