BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: Crow Creek Sioux Tribe
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX, I was short on money and had received an eviction notice. I was desparate for money and was not approved for rental assistance from my state. 

I took out a loan from River Valley Loans for {$1200.00} at 690 % interest. I have paid {$640.00} toward this loan and the balance has gone down by {$7.00}. 

I take full responsibility for this loan and will pay it off completely when I can make a large enough payment. But these interest rates should not be allowed. This company is a predator and shouldn't be allowed to take advantage of vulnerable people like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Credit limit of XXXX. Thought I had closed my account and apparently still had a balance during the time I was still catching up from being unemployed during the Covid pandemic. Being charged almost {$3000.00} in fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TransferWise Ltd
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 have been using Transferwise to send money from my XXXX XXXX  account to friends and my family. I have been using this platform from past 2 years. However, they suddenly deactivated my account without any reason. As per their request, I have again submitted verification documents and also sent an appeal. They kept me waiting for 42 days and after that they replied that they have upheld their decision and my account will kept deactivated. This was the worst experience with a XXXX company like Transferwise. I'm attaching a screenshot of my last transaction made by me from Transferwise after which my account was deactivated. Atleast they could have proved any alllegation if i have done something illegal or conduct of companies policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Two AMEX Credit Cards were opened in my name and need to be deemed as fraud. I did not authorize or file any applications. 

On XX/XX/XXXX I received welcome series email from AMEX noting approval of account for new card. Notates account number ending in # XXXX. 

Received verification Your Mobile Messaging Number Needs to be Verified email on XX/XX/XXXX. 

Proceeded to get emails that card was out for delivery on XX/XX/XXXX. 

Then on XX/XX/XXXX I received another email noting I was approved to another card. Notates account number # XXXX. 

Proceeding to receive emails regarding delivery and sending out New cards. 

They were all sent to my old address which I lived 5 years ago or so. XXXX XXXX XXXX XXXX XXXX CA  XXXX. 

I have since lived at two other residences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a student loan account with DEPT of ED/XXXX account # XXXX. The account on my credit file incorrectly shows 90, 120 and 150 days late from XX/XX/XXXX to XXXX and XX/XX/XXXX. Under 15 USC 1666B this is a billing error. I have never been late with any payment. 

What is the USC code 1666b? 
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I logged into my online banking and saw 5 unauthorized transactions posted to my account. I proceed to lock the card trough online banking. 
I tried to reach customer service to request a new card and dispute those transactions, the answer from them is that they coulndt find my account information on the system because I dont have SSN. 
I been dealing with them many times without a solution. 

Unauthorized transactions : XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX  {$130.00} XXXX  {$370.00} XXXX  {$360.00} XXXX  {$380.00}

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
This is XXXX XXXX XXXX, I'm attaching the letters I sent you last XXXX/XXXX/2022, including a copy of my ID for identity verification. Its been over a month now but you still havent complied to my request and the errors on my report has not yet been removed. The FCRA requires the credit bureaus to investigate and respond to the letter within 30 days so this is obviously another violation of my right as a consumer. I will seek monetary compansation should you continue with you non-compliance.

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 2023-05-25
Company: Byrider Franchising, LLC
State: TX
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:
Cnac tx XXXX is reporting that I owe a balance they have already charged off & took the tax break on. Now a company can not take the tax break and still collect ( double dip ) on a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-12-19
Company: LEXISNEXIS
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:
I have a Bankruptcy report on my credit report. I've reached out to XXXX and they informed me that LEXISNEXIS is the XXXX that sends them the report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Hello I am an authorized user on my mothers XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unfortunately my mom passed away in XX/XX/2023. Ive been making the payments however Im not sure what to do next. I contacted XXXX XXXX about the credit card as well as her mortgage back in XXXX I received a packet from the mortgage department but nothing about the credit card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-12-19
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I reviewed inaccuracies on my credit report reported by the referenced company. I submitted a written request for validation, copy of collection licenses, signed documentation that I have an account with them. The company failed to provide this documentation within 30 days. The company failed to provide confirmation that a notice was sent to me stating I had 30 days to dispute the debt, prior to reporting it to all three credit bureaus which is a violation of the FCRA. This account is still being disputed, the company failed to provide the specific information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
See Attached : XXXX Submitted Identity theft Packet, with Request for info to be blocked with the mandatory 4-Day period. Adding the Identity identification attached as well with specific details listed accordingly. Each Company declined my request to delete and or block, update and or correct the information accordingly. Denied Ball all 3 agencies for Insufficient Identity information, unable to identify my account, unable to locate my account with information on notice, invalid identity theft report, asked for copies of my social security card etc. All though request was infact denied by all 3, All three have managed to locate my account/report and make small changes which were requested on my notice initially, just not the blocking of invalid accounts information I requested. I Authenticated enough to change my address, phone number, email, place fraus identity theft alert on my report info but not to complete the information requested to be blocked. I sent enough information to verify who I am and stating the information should be corrected accordingly. Has the information they allow to remain seen & costing me the ability to gain credit I may need or job etc. That's incorrect on my field posted without even being whole and fully identified to have been actually my true information at all. How is this right or fair? Who's information are sharing. If you're publishing lies and false information because you fail to verify authentic proof of information submitted and shared by each agency is neglectful and abusive.

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 2022-12-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Chase is refusing to help and remove unauthorized charges on my account, representative said charges are valid after 60 days of posting regardless of status. 

Ive asked for them to change my account number and file disputes however the agents refused and because of their refusal to help, my account went negative and they closed it out after the fraudulent transactions posted Now my account with fraud activity was closed and chase is making me responsible for transactions I never authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRUIST FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am having an issue opening up a checking and savings account with Truist Financial. Truist Financial is refusing to open up any accounts for me due to a previous bankruptcy on my XXXX XXXX, XXXX, and XXXX credit report. Truist Financial is discriminating against me based on a previous bankruptcy, based on my race, and income. Truist Financial is in complete violation of the Equal Credit Opportunity Act ( XXXX ) under federal law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, 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 2022-12-19
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had 3 credit cards opened in my name that I did not know of, this is affecting my credit report because it is incorrect information that is being used. 

XXXX XXXX  XXXX - XXXX - XXXXXXXX XXXX XXXXXXXX - XXXX XXXX - XXXX Someone bought a car under my name and there was lots of inquiries under my credit report now I have invalid debt on my report showing XX/XX/20XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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: Account status incorrect

Complaint:
I have accounts that haven't been any activity since 2016 and I'm trying to fix the Inactivity 's and Wrong Information that's being reported.

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 2023-04-20
Company: Gurstel Law Firm, P.C.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2023 I called Gurstel Law to accept a settlement that was offered to me in XXXX of 2023. I was told they could no longer settle the account because they started an active wage garnishment. I have two issues with this. 

I was never provided a summons by this company so I was unaware of any judgements against me. The company claims a summons was handed directly to me, this is not correct. I would like proof of delivery. 

I spoke with this company many times and was trying to negotiate a settlement. I offered {$1000.00} and was told the client XXXX XXXX refused to accept this offer. I was never once advised during my conversations with the company that my account was going to be submitted for garnishment if action wasn't taken. I had advised the company I had {$1000.00}, If I was properly advised the status of my account I would have figured out a way to come up with the extra money quicker. 

Since I was never properly informed of the intended action taken on this account, I was forced, or bullied, into paying the full balance plus an additional {$30.00} to wire transfer payment. This was the only way to prevent garnishments. It seems very deceptive that a settlement was available 2 weeks ago, but now there is no way for them to accept a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: IN
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 Balance : {$34000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$34000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$0.00}

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 2022-12-17
Company: Experian Information Solutions Inc.
State: VA
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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report 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 remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported XXXX XXXX  Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$120.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX 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 Balance XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance 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  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 an alleged identity theft, not later than 4 business days after the date of receipt.

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