BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-26
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Recieved the response from the company and they lied about why I saw the price I did. Here is my original complaint. 

The incident involves the crypto.com exchange and occurred on XXXX at what I show to be XXXX am PST. on the application I was going through some of my holdings checking various prices to be able to sell off some to make a purchase I needed for work. I come to a currency called Shiba Inu ( SHIB ) that I purchased XXXX dollars worth in early XXXX of 2021. As I looked up on the applications confirmation to sell screen it shows the exchange rate at XXXX USD I SOLD XXXX SHIB  because I thought I was going to reciever XXXX cent per share like it shows me on the confirmation page. When I contacted the support team they took a very long time to get back to me and kept passing me around to someone else who didn't know what my issue was or at least pretended not to. I belive that's because they were doing their best to hide or change details of my transaction. About 5 days or so go by and I get their explanation. They try and tell me that the transaction I made was actually made XXXX min earlier than the time of my screenshot and that o saw that price but did not press confirm ... ... ... no one in their right mind would not press confirm if they saw that price. They stated I sold off that very specific number then went back through the whole process and inputed the exact same amount of SHIB, pressed the sell button once to get to the confirm sell screen took a screenshot but didn't press confirm ... ... ... ..Why wouldn't I input my whole balance? Why would I make multiple transactions XXXX min apart and pay extra fees to do so? The answer is I didn't. Their system malfunctioning is not my problem and im supposed to belive everything they tell me without verification and to belive their accuracy when they clearly had multiple issues on the accuracy of their application. They a CEX so my wallet address is tied to them but they will not provide me any information for me to be able to verify the transaction on etherscan or any other block chain explorer. Unfortunately I downloaded my transaction history a few days later giving them time to alter it, it does not show any timestamp data. The truth is exactly that. I saw the price of XXXX cent freaked out pressed some random numbers that wouldn't exceed the overall amount I had and pressed confirm. The price of crypto changes by the Second. They hold the price for an amount of time so that you can get the price they say on the confirm screen. I did not receive what they said I was going to ND consequently Sold off a long term hold that I will never be able to aquire for the price I obtained it for originally

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
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  Account # 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 2 : 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 2022-06-11
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX Credit card through Comenity Bank fraudulently opened up in my name within past 30 days and sent to my previous address. This is the XXXX fraudulently opened or attempted card in my name within the past 3 months. I called the company and they closed it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First wrote and filed a dispute to LVNV FUNDING LLC dating back on or around XX/XX/XXXX ; again on or around XX/XX/XXXX ; and recently on or around XX/XX/XXXX via USPS certified mail ( see attachment ) in regards to incorrect items in my credit report. Its not only been over 30 days but over 120 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
I have tried for years to help TRANSUNION to report correct addresses on my file. I have sent numerous occasions via certified mail of copy of Driver 's License of both the former and current address as proof of residence addresses. To date, TRANSUNION refuses to comply! Please remove the following address from my Credit File at once : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Should be : Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Former Address : XXXX XXXX XXXX XXXX XXXX, TX 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 2018-03-25
Company: Carter-Young, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I pulled my credit report in XX/XX/XXXX, I was first made aware of this debt with Carter-Young Inc., mailing address XXXX XXXX XXXX, XXXX, GA XXXX. I was never contacted by XXXX XXXX XXXX stating that I owed any money. I lived at XXXX XXXX XXXX  until XX/XX/XXXX and completed a satisfactory walk-through move out inspection with a property leasing agent ( XXXX, I believe was her name ) on the last day of my leasing agreement. I made all of my rent payments on time each month which was only {$500.00} and stayed through the end of my lease. The amount that Carter-Young Inc. is demanding is {$850.00}. I disputed this information with both XXXX XXXX XXXX and Carter-Young Inc. in XX/XX/XXXX however I was never provided with a detailed explanation of the charges. My XXXX Credit Report still states " Account in dispute-reported by subscriber ''. I would like for this company to cease reporting this inaccurate information to XXXX  unless they can verify that I owe XXXX XXXX XXXX  a debt including a detailed break-down of how the amount was achieved, ie. dates of missed payments, lease agreement, eviction notice, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have submitted multiple complaints and select portfolio refuses to address them- they have not provided legal standing to foreclose they have produced false documentation of which I have provided proof that they have forged documents - on XX/XX/XXXX compl # XXXX I provided information that they falsified a deed as well as a California Acknowledgment they still have refused to answers this complaint. Why wo n't they answer this complaint. I also submitted on XX/XX/XXXX and on XX/XX/XXXX # s XXXX and XXXX both complaints were also not addressed they simply provided the same documentation on both complaints however that documentation does NOT answer any of my concerns or complaints they are threatening foreclosure and do not have legal standing- they need to answer why they have falsified documents and produced a fake California acknowledgment they need to redact the foreclosure immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Genesis FS Card Services, Inc.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX i paid off all of Indigo credit card including all the fees i felt were being processed without any proper verification. 
Since i felt the Indigo company was abusing their position over me i made sure all debt was paid so i could close account. This amount was for {$420.00} on a {$300.00} limited card. 
When i paid over the phone I specifically asked them if this would get me out of collection and be shown on my credit report as being paid off and they informed me that it would. 
I recently checked credit score, noticed it was still low after literally paying off every medical bill, paycheck loans and delinquent accounts i could find this summer. 
Upon further investigation i saw that Indigo was the first company listed on my report as delinquent. 
I called the office today and they said i owed over XXXX more dollars due to fees that had accumulated since i closed the account. 
I told them that was incorrect and the man XXXX said it was from a XXXX  payment that didn't go through on XX/XX/XXXX. 
I told XXXX i wanted to speak to manager. After being put on hold he said he would waive all fees and that i could just pay the XXXX. 
This made me more frustrated because he was acting like i was getting a deal. They should be paying me for lying, stealing and messing up my financial portfolio. Another scammer ruining all my goals of buying a house anytime soon. 
There is no way that I didn't already pay for this transaction on XX/XX/XXXX. If I didn't have the funds on the XXXX they would have known that day, let alone two weeks later. 
Long story short ; Manager never got on the phone and XXXX said i i should take the deal. I informed him if they didn't drop all chargers i would contact FTC instead. 
Please help Thank you for your time and consideration I look forward to hearing back from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: Ascendium Education Group
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My student loan debt is being illegally re-aged by the company that bought the debt, ascendium education solutions. They bought the debt in XX/XX/XXXX and are illegally re- aging the DOFD. My consumer disclosure file under FCRA 609 ( a ) ( 1 ) is pending but I was last able to pay my loans in XX/XX/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 2022-06-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX opened an account on my credit report of {$250.00} for XXXX XXXX XXXX XXXX XXXXXXXX. All invoices are paid with XXXX XXXX XXXX XXXX and I have not rented a vehicle from them after XX/XX/XXXX. 

In accordance with the Fair Credit Reporting Act, 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have an issue with personal information, Former or current employers, address & current employers not been up dated. Remove the correct information on my report. It has been now since XX/XX/XXXX and still information not updated or correct have sent in check stubs, XXXX   forms showing employment with the same company for over 2 years in half and as of this date not corrected and updated. this makes no sense on something this simple. I have also experience added or made up address and information not corrected on my file since XX/XX/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 2022-01-26
Company: U.S. BANCORP
State: NV
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: Card was charged for something you did not purchase with the card

Complaint:
My authorized users credit card has fraud on the account, I contacted US bank to notify them of the card being stolen, when I spoke to the bank I received the run around from the bank in regards to these charges, I was bounced from agent to agent to agent, the agent who answered the phone seemed like he did not want to be there tonight, he was very rude, anything you asked him was as if it was a bother to him, I asked him to review the account and he seemed as if he was off in space, this is absolutely unacceptable to me, that we have had fraud on the account and US bank does not have the decency to care one single bit and to assist with getting these charges taken care of, I will not be treated as a number, this is highly unacceptable., It is unacceptable that the bank first of all did not catch these charges, it is now unacceptable that the bank can not get their act together and get the charges tagged correctly and them removed from my account, I was transferred over and over and over and over and over with no solution, I have no idea if the fraud claim was opened correctly or not, and I can not get answers, these charges need to be removed off my account immediately, These are FRAUD and not authorized by myself nor my additional card holder. Its extremely unacceptable being a victim of fraud and the bank not doing their job to fix it or correct it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-23
Company: TD BANK US HOLDING COMPANY
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I purchased a phone from XXXX. Since getting the phone, I got my first bill where I was being charged twice for the same phone. I tried contacting both XXXX directly and the credit service they are doing their 2 year financing through, TD Retail Card Services. After almost an entire month they finally took the second charge off. Now they have charged me 2 months in a row a {$27.00} late fee, when I am paying the amount that it says is due {$37.00} on the due date online. It says the amount is processed on that day, and yet they charge me the late fee. They took the first one off but I have n't heard back on the second yet. I think after doing the math, they put the wrong payment due and it should actually be XXXX per month for a 24 month finance plan. But them messing up should not result in me getting charge late fees. I should not have to make up for their mistakes, which is obvious on their end from the amount of trouble I am having. And when I try calling I get put on hold and get the run around as nobody seems able to just give me what I feel should be easy answers. All of these issues should be very straight forward.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
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 was alerted a couple days ago by both my XXXX credit card application, as well as XXXX financial application that a new account had been opened on my behalf. It looks like someone had applied for a credit card to the Kohls XXXX department stores. I have not applied for a credit card since I had received my XXXX credit card. I have attached both the email from XXXX as well as screenshots from the XXXX application for for the reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
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: Old information reappears or never goes away

Complaint:
Paid a 6 year, 1 week and 6 day old account off in FULL for deletion per discussion with live representative. The representative lied to obtain payment and company wont assist with the scam nor is employee still there. Account was never deleted years later and is now past it pushing 7 year negative account deadline. I have disputed it multiple times for deletion off credit account- account is paid in full not settled for this reason.

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 2017-07-23
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Wells Fargo Bank reported a liability of about {$8800.00} on my credit report for XX/XX/XXXX which had already been discharged on my credit report according to XXXX and XXXX credit reports on XX/XX/XXXX for myself, XXXX XXXX, and on XX/XX/XXXX for my wife, XXXX XXXX XXXX on the same reports for her credit. The item has not appeared on both our credit reports since XX/XX/XXXX until it appeared in XX/XX/XXXX without any kind of communication or notice from Wells Fargo. As further evidence that this item was NOT a part of my credit report, in XXXX of XXXX, I applied for and was approved for a VA loan for a house with my wife XXXX as co-borrower and this item was NOT on my ( XXXX XXXX ) nor my wife 's ( XXXX XXXX XXXX ) credit reports which the VA completed through XXXX XXXX, XXXX XXXX, NV, who along with the VA pulled my credit report score in order to determine eligibility for the loan. The loan was approved. This item also DID NOT appear on either my ( XXXX ) or my wife ( XXXX ) credit report when we were co borrowers for a loan on a XXXX XXXX XXXX truck when it was pulled by XXXX XXXX to determine eligibility for the car loan, which was approved in XXXX XXXX. This item also DID NOT appear on either my ( XXXX ) or my wife ( XXXX ) credit reports when we were both co borrowers for a loan for a XXXX XXXX car purchased from XXXX XXXX, XXXX XXXX, NV in XXXX XXXX, a loan which was approved with a reduced interest rate because of my credit and my wife 's credit scores. Furthermore, I have never received any written or oral communication from Wells Fargo bank about this item or its inclusion on my credit report. It appears that the item after being closed in XXXX of XXXX ( XXXX ) and XXXX of XXXX ( XXXX ), both recorded by XXXX/XXXX credit reporting agencies, has been re-added to my credit score after a three year absence from it when it was closed.

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 2017-01-04
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Reporting erroneously/ incorrectly/ inaccurately with Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: JPMORGAN CHASE & CO.
State: TN
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 attempted to take an auto loan out with XXXX XXXX XXXX XXXX through XXXX XXXX XXXX located in XXXX, Ohio. I only gave the salesman permission to run my credit for XXXX XXXX  only due to me having a pre-approval prior to him taking my social security number. The dealership took upon themselves to run my credit through multiple lenders and finance companies. I did not give them permission or authorization to run my credit outside of XXXX XXXX. They ran my credit for JPMC Auto Financing, XXXX XXXX ( twice ), XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I spoke with the salesman about running my credit for XXXX XXXX only on XX/XX/2022. Come to find out they continued to run my credit on XX/XX/XXXX and XX/XX/XXXX. I have not spoken with the salesman pass XX/XX/XXXX so I was completely unaware that he still had my personal information and was running my credit without my permission, consent, or approval. I believe that the dealership and salesman was trying to commit fraud because I have contacted them and they will not take my calls and act as in if they don't know what I am speaking about or act as in if they never worked with me. I am a victim of fraud and stolen identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Transunion Account name - XXXX card Account number - XXXX This is not my account. Also, a ridiculous time lapse between account closed and last activity reported. 

Also, I was denied credit by XXXX XXXX twice based on inaccurate information reported by Transunion, I will not pay additionally for my credit report nor do I want any more side hustle product advertising.

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