BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
on XX/XX/2021 I thought I was purchasing a XXXX  XXXX from a seller on XXXX. They stated their XXXX was locked and I could XXXX over the money ( which I did ). The seller said she would email me the shipping info ( which she never did ) and I never got the item. I called my bank the very same day reporting this person a scammer ( and sent over all the paperwork and correspondence ) and they keep denying my claim. My money is not protected by my bank

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 2018-06-20
Company: LDF Holdings, LLC
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
The company refuses to work with me after contacting them to let them know I could not pay for my necessities and asked to work out a payment plan. They have already been paid more than enough for the original loan. I acknowledged the responsibility for the debt and offered to work out a reasonable payment plan, but it was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: EQUIFAX, INC.
State: OK
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:
On  XX/XX/XXXX , I provided a state tax lien release letter to all  XXXX  credit burea us ( Equifax,  XX/XX/XXXX  and  XXXX  ) that showed that the amount of {$2400.00} had  been paid in full and myself and my husband both were cleared of this debt.. I have sent  two certified  letters to each bureau requesting that the information be deleted from my credit report. Only  XXXX  bureau- XXXX  has updated it to reflect PAID IN FULL. I am in the process of buying a home and this reporting is causing a hardship on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
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: Personal information incorrect

Complaint:
I called Equifax and disputed some old addresses from my report in which on  XXXX   XXXX  got my final response that my dispute was completed. All wrong addresses were deleted. Today  XXXX  I went online to add my current phone number all addresses that was already delete are still showing on my report. This credit bureau is totally messing me up and the process of me buying a home for my children. Their informations are not accurate and they are providing false complete dispute. I expect them to address this issue immediately and update my report accordingly and delete all inquiries that was deleted from another credit bureau. I have attached my document from  XXXX   XXXX  and  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity thief has managed to open a credit card account with  XXXX . The balance is {$460.00}.     I do n't shop at  XXXX  and have never had a transaction with this company. The debt is showing over 90 days due. So the fraudulent charges must have been made in early  2017 . My credit should have been frozen by  XXXX , but that seems to not have been effective.     I do n't owe this debt, and my  credit score ha s been damaged because the account is delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: CarMax, Inc.
State: TN
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:
theres several issues with carmax reporting on my defective ford fusion loaned upside down XXXX kbb according to three banks- XXXX , XXXX , and one other. I asked XXXX in person, XXXX XXXX location. XXXX  XXXX service center refused to fix my car 3x. carmax left me no choice but for them to repo it in 16 ( SIXTEEN ) - not 19 ( NINETEEN ), as its being reported. no company complies with the law, lemon lawyers unable to aide me. I did ask.

Continues thru experian to extort and reage debts, now beyond statute- will not update reports released to lenders, etc of which I do business with. REPORTING INACCURACE SLANDEROUS INFORMATION THAT I AM A SERIOUS DELINQUENT and NOT CREDIT WORTHY. This has affected new accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Bread Financial Holdings, Inc.
State: NJ
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:
. On XX/XX/XXXX I paid my bill of {$110.00} in full. At that point I believed my balance was paid and full. However my XXXX bill had a residual balance of {$2.00}. My XXXX bill was {$6.00}. My XXXX bill was {$14.00}. My XXXX bill was {$31.00}. My XXXX bill was {$65.00}. On XX/XX/XXXX Victoria Secret sent me a text saying I have a bill for {$65.00}. On XX/XX/XXXX I made a payment for {$65.00}. I was under the impression that I had a zero balance from XX/XX/XXXX. Once I was made aware of the issue I did a dispute on the Victoria Secret web site. The dispute department rejected my claim. I would like to appeal the denial decision. 

I called into the Victoria Secret customer service line speaking to XXXX and her senior representative XXXX on XX/XX/XXXX. XXXX explained the residual interest and the calculator process to me at that time. As I explained to XXXX how am I supposed to know the process If I was never made aware of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-07
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Goodmorning, A relative of mine received a call from ( XXXX ) XXXX-XXXX looking for me. I do not know the details of the conversation however I was informed it did not go well and that the gentleman on the other end of the phone used and exploitive to address my relative. Calling her a XXXX. 

I then called back the same number as was greeted by a Mr XXXX XXXX, a name I assume to be an alias as collectors are allowed to adopt an alias. However I could be wrong. I digress, Mr. XXXX informed me of the establishment for which he was working for saying he works for a federal entity and his job is to make final recommendations of wether or not litigation would be necessary. I asked what he was referring to and he informed me of a debt from 2014. It was a payday loan taken out by myself from an establishment named Check N Go. He said his job was to see if we could reach some sort of settlement or if litigation in my state was necessary and the decision of what route to traverse down, was left up to his discretion based off of the dialogue we had in our correspondence. He verified the last four of my social but the address on file wasnt an address that Ive ever lived at. I advises him that this doesnt bring about any memory for me and the address he referenced is an address Ive never occupied. I made Mr. XXXX aware of my bewilderment and he became disgruntled and said he was going to tell the judge and good luck with that buddy and hung up. I asked Mr. XXXX in the beginning of our conversation if the calls were being monitored and recorded and he said they were. I also noticed that after he verified my social he did not read me the mini miranda. Which is standard FDCPA practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: EQUIFAX, INC.
State: KY
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:
There is a joint account student loan that is reporting inaccurately, I have tried many, many times to contact the creditor and the credit bureaus to correct this issue. There are several inaccuracies across all three credit bureaus, how can three different bureaus report differently. These are two accounts with the same account number.? 
XXXX/XXXX XXXX XXXX/XXXX XXXX Both of these accounts are reporting differently across all three credit bureaus and has been for years, I have tried to no avil to have the information report correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: IA
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My balance is n't updating in a timely manner

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 2017-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On  XXXX  I revived a letter from c apital one fr om a   XXXX   XXXX   therating me for closing of my account because of my behavior but no where on 'this letter they say they violated my civil rights an d American with disabilities act law.w  ow I 'm in  real shock can you please get me to the president or Vice President of c apital one and tha t 's all I would like to talk to about all these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I inquired about a loan for $  XXXX  and was told the minimum loan was $  XXXX .  One Main does a dvertise $  XXXX  and up and then demands that a $  XXXX  loan is the minimum.   I was pushed to take a loan for $  XXXX  to include my current car loan, which I did not want. The result was that I was rejected for the $  XXXX  loan that I never requested and was quoted 35 % for the  XXXX  loan which I rejected.   I received a letter stating that the loan had been rejected, a loan amount I never requested. The letter did not state that I had been verbally approved for the $  XXXX  loan which I rejected. This is predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I got a bank statement in the mail from a truist bank. I never made an account with that bank. I looked at the bank statement and it had a name I did not recognize. I went to the bank and they was asking me questions and I couldn't identify any transitions on the account I told them my information and it was all on the account. Then the teller told me i need to talk to a banker so the gentlemen look into it more and seen an email that is another name. He gave me a number to report a fraud on the account so I did. they lady I was talking to gave me directions to call the three credit bureau and see if I can do a police report.

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 2022-04-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am a victim of credit card fraud. I was notified by  XXXX   XXXX   XXXX   on  XXXX   XXXX ,   XXXX   the bank representative informed me that a person or persons unknown to me opened  XXXX  credit card accounts in my name.  XXXX  card was opened at the   XXXX   XXXX  . The  XXXX   XXXX  card is backed by  XXXX  bank. The second credit card was opened with  XXXX . On  XXXX / XXXX /  XXXX   I contacted all  XXXX  credit bureaus. On  XXXX / XXXX /  XXXX   I went online and received a copy of my credit report from  XXXX  and  XXXX . I tried to obtain my credit report  from Trans Union but  after entering all of my information I received a message that said I could not receive a copy of my report because I ha d two open  disputes. On  XXXX   XXXX ,   XXXX   I made several call s to Trans Union and requested a copy of my report because I was the victim of cr edit card fraud. I also told the person I was speaking with that a  XXXX   XXXX  from the  XXXX   XXXX  police department had told me to get copies of my reports from all  XXXX  credit reporting ag ency 's. After speaking with 2 supervisors at Trans Union I was told I would have to wait until the 2 disputes were investigated. I was told that by law Trans Union has up to 30 days to complete their   investigation. I explained that I could not wait 30 days and needed my report ASAP. I was told the only way to get my report sooner would be to dro p the 2 disputes I filed. I said this is crazy. I just need my report so I can see if there is any suspicious information in my report and that I need a copy for the police department. Trans Union ref used to provide me with a copy of my report even though I was a victim of credit card fraud. This is not fair and it should be changed. Victims of credit card fraud should be giving their credit report upon request even if there is a current open dispute.   I have been very sick with   XXXX   XXXX   XXXX  for a few years now. All this has been very  XXXX  for me. I have had to spend many hours on the phone since this happened.

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 2022-04-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2017-06-09
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have  XXXX  accounts with Coinbase.   XXXX   is a bitcoin account, and the other is an Ethereum account. I have a verified driver license on my account, and they are asking me to submit another ID to perform any buy or sell requests. Their website continually does not accept my Global Entry ID, so my accounts are frozen. I have a total of {$180000.00} in   XXXX   accounts. I have submitted several requests to have them verify another ID, or have me submit another form of ID such as a phone bill, and they are not getting back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX is selling my information to another service provider and furnishing information to the Credit Reporting Agencies without my written consent which is in violation of the LAW. I have contacted them about this matter in 2021 but they failed to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
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: Old information reappears or never goes away

Complaint:
Transunion is currently reporting an inaccurate account on my credit report. This account is not reported by XXXX or XXXX. Transunion is negatively affected my credit with this inaccurately reported account, this is causing undue hardship for me. I have tried to resolve this issue with Transunion since XX/XX/2021 and nothing has been done.

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 2018-04-13
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I became aware when I checked my credit report that this debt collector under the name of NATIONAL CREDIT SYSTEM , INC has reported incorrect information that I owe the amount {$4100.00}, I have sent a notice of state and federal validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Company refuses to send me documentation of the alleged debt. I have given them information over the phone to prove this debt is not mine

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