BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: MD
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 had a loan with XXXX XXXX XXXX from XX/XX/XXXX and paid the loan off in XX/XX/XXXX. I paid the monthly payment of XXXX every month on the same day for the entire time I had the loan until it was paid in full. However, on my credit report, XXXX XXXX reported I was XXXX late on the XX/XX/XXXX payment and 30 days late on the XX/XX/XXXX payment. 
Since this loan was on auto-pay, it was paid on time and monthly payments were always made. I only recently discovered they reported incorrect information to XXXX, Equifax, and XXXX as I am dealing with another problem affecting my credit. The credit agencies have been all but impossible to deal with. I've spent hours on the phone and with supervisors, the same with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 had a loan with XXXX XXXX XXXX from XX/XX/XXXX and paid the loan off in XX/XX/XXXX. I paid the monthly payment of XXXX every month on the same day for the entire time I had the loan until it was paid in full. However, on my credit report, XXXX XXXX reported I was 30 late on the XX/XX/XXXX payment and 30 days late on the XX/XX/XXXX payment. 
Since this loan was on auto-pay, it was paid on time and monthly payments were always made. I only recently discovered they reported incorrect information to XXXX, XXXX, and Transunion as I am dealing with another problem affecting my credit. The credit agencies have been all but impossible to deal with. I've spent hours on the phone and with supervisors, the same with XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: SC
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 found some negative items on my credit report in which I did not recognize and sent the reporting agencies letters asking them to remove this inaccurate information. It has been more than 30 days which is the required time under the FCRA laws and I would like to get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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: Information belongs to someone else

Complaint:
To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have listed the account, the opening date, and account number, when possible, below. The reasons why these items should be deleted are indicated below : ACCOUNT NAME : 1. XXXX XX/XX/XXXX XXXX # XXXX 2. XXXX XX/XX/XXXX - # XXXX 3. XXXX 4. XXXX  XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX 9. XXXX XXXXXXXX

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 2022-05-05
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
This complaint is in regards to the Crypto.com ( XXXX ) USD XXXX wallet which is held at XXXX XXXX XXXX  on my behalf. Im in a predicament whereby I transferred funds from my external bank accounts into this XXXX wallet via ACH. Almost a year later, XXXX froze my account, and require me to validate some previous external ACH transfers into my XXXX USD XXXX wallet. The problem is that I dont remember where I originated the funds from. I asked them for complete details of the ACH deposits in question ( stemming XX/XX/2021 to XX/XX/2021 ) so that I may look at my corresponding bank statements. XXXX said they could not provide that information despite the fact that I have a USD balance, and I would expect them or their program to have easily accessible transaction data as I am requesting. Imagine if I had a fraudulent ACH transfer - how would I claim a regulation E protection when the program manager ( XXXX XXXX refuse to give me the data? I have attached screenshots showing what transactions look like in the wallet, and the fact that they do have complete information for instant deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: CARD Corporation
State: OH
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:
I called the number provided on the back of my card to obtain my balance information. When prompted to enter my social security number and zip code it told me my information did not match. I reached out to Card.com via email to try and figure out what happened on XX/XX/2020. I had to contact them this way because if you can not verify your identity via phone it will not let you through to a customer service representative. When the customer service representative replied via email I informed her of my problem and she told me she would not be able to further assist me via email and insisted I call the number back. I then reiterated my problem again via email and that my account had been hacked, she never replied again. I waited a few days fo a response and got nothing. I emailed Card.com once again on the morning of XX/XX/2020 and I still have yet to receive a response and now the balance on my account is at XXXX it has been completely wiped out. Resulting in me losing {$1500.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-08
Company: SYNCHRONY FINANCIAL
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed this debt on my credit reported I disputed the debt as it is not mine and yet it still has not been removed. I have contacted the company in XX/XX/2022 asking for a copy of my information which they could not provide me.

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 2020-04-09
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from Phoenix Financial Services stating that I owe a creditor XXXX XXXX XXXX XXXX XXXX {$2800.00}. I have never had any sort of involvement with this company ever. Upon looking both of these companies on the website, I discovered that these were both scams. They have hurt my credit while I was building it up. I don't understand how anyone can just open these fraudulent accounts and hurt someone's credit like this. Something needs to be done to hold companies like this accountable with fines and prison time. This is just wrong and I feel bad for people who don't know their rights or how to handle situations like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I sold my house and closing took place on XXXX/XXXX/15. CCO received payoff and applied money to pay off my loan. They allegedly sent my escrow refund on XXXX/XXXX/15. XXXX calls and XXXX different answers, where the last person said they were n't even sure if it went out. Received documents dated XXXX/XXXX/15 saying my loan was paid and closed. It is now XXXX/XXXX/15, and they now say i have to wait for an affidavit to sign and mail back saying I wo n't cash the check. Only then will they reissue the check. They are collecting interest on my money. They refused to allow me to speak with a supervisor. They refused to send the affidavit prior to 30 days after the alleged issuance of the check even though it clearly was not going to be received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit for the first time in 4 years and I saw a couple of accounts and many inquiries that are nominee. These suspicious accounts and inquiries need to be removed from my report, it is fraudulent information.

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 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit for the first time in 4 years and I saw a couple of accounts and many inquiries that are nominee. These suspicious accounts and inquiries need to be removed from my report, it is fraudulent information.

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 2019-12-03
Company: EQUIFAX, INC.
State: NV
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:
this letters were sent most importantly due to the erroneous reporting to the 3 credits bureaus and put the highly negative impact on my personal credit report. 
1 ) XX/XX/2019 XXXX XXXX XXXX {$720.00} 2 ) XXXX XXXX XXXX {$710.00} 3 ) XXXX  XXXX {$750.00} 4 ) XXXX  XXXX   XXXX {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Experian Information Solutions Inc.
State: CA
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:
Hi, my credit report shows that I have hard inquiries for credit cards that I did not apply for. The following are the cards I DID NOT apply for : 1. XXXX XXXX  - XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX  XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX This is affecting my credit score and being able to get approved for credit cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: SYNCHRONY FINANCIAL
State: NY
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 rewards from credit card

Complaint:
On this date : XXXX XXXX 2022, I closed my PayPal-Master Card Account... Instead of PPM transferring my rewards money to my regular PayPal Account Balance they just took my rewards money without any warning, or made aware of other options regarding my rewards money. They just took it... and I feel robbed! 

I want my rewards money. Who knows how many people this happens to. I earned those rewards, I want them back! 

Thank you in advance and stay well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: KS
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: Problem with personal statement of dispute

Complaint:
As per my request for full VALIDATION OF THE DEBIT submitted through Experian ( ref no. XXXX ) the XXXX XXXX XXXX XXXX XXXX ), the Collection Agency merely stated that it was verified without providing any proof about any of my authorization for the purchases or services. 

I have contacted the credit bureau to VALIDATE the charges as a result of me not having a signed contract with the company. However, the item is still on my credit report. I would like to have this removed from my credit report.by reporting bureaus.

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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 checked my credit report and noticed inquires from companies that I Have no clue who they are nor did I apply for credit with that institution. I reached out to all 3 credit reporting agencies and disputed them. they said they were accurate which is false I have sense locked all 3 bureaus

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 2015-07-29
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Enhanced Recovery Company is attempting to collect a debt on behalf of XXXX that : a ) is not a valid debt of mine because I cancelled service with them when they bought out XXXX XXXX XXXX and paid my final bill to XXXX XXXX XXXX ) is a debt that is XXXX years oldc ) re-aging the debt onto all XXXX major credit reports with an incorrect " place for collection '' date

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-15
Company: Big Picture Loans, LLC
State: KY
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I applied for a {$400.00} loan on XXXX XXXX 2016 with big picture loans was told that i would qualify for a reduced rate of payments of {$100.00} every 2 weeks signed documents online then went to view documents the payments changed to {$140.00} every 2 weeks for XXXX payments then for XXXX payments it is raised then slowly goes down and the interest rate is higher than was told it is 704.9185 %

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/22 I requested an instant transfer of {$700.00} be sent from my Venmo account to my checking account. Apparently I had a debit card linked to my account that had been cancelled over a year ago. Both my account and the debit card are through XXXX XXXX XXXX bank. I called Venmo on XXXX because the funds had never hit my account. After an hour on the phone Venmo told me to call my bank which I did. Speaking with XXXX bank they informed me that the transfer from Venmo would have been immediately rejected since that debit card had been inactive for so long. They state that Venmo had the funds back Immediately. I called Venmo back and gave them all of this information and was informed that they would escalate my case. Today after checking my Venmo account the funds still are not there. I called Venmo again and was told that they would escalate my case to which I said that I was told that was done Saturday. I asked to speak with a supervisor and got hung up on... I called back and eventually got a supervisor that stated she would make sure that my case is escalated and that it would take 10 days for them to investigate .... I have been without these funds for 9 days and it is putting me in a real bind financially. I just need my funds to be made available

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reach out to trans Union customer service about Unauthorized Inquiries on my credit report. I also reach out to the companies that was reported on my credit report. I verbal and sent letters out to trans Union about fraudulent activities on my report. I also have a fraud alert on my credit. Trans Union still refuse to remove the fraudulent inquiries.

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 2020-06-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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:
On XX/XX/XXXX, while attempting to do an Early Access loan against a future Direct Deposit, Fifth Third bank took the amount I borrowed ( {$60.00} ) from my checking account and applied it to a credit card they claimed I had back in 2006. I have never received any paperwork with regarding to this account. In fact, I do not remember having such an account back in 2006 ; 14 years ago. Supposedly, the number of the account ends in XXXX. 
I do not owe Fifth Third any money and I believe their action is fraudulent. Afterall, if the cost is legitimate, why did it take 14 years to deal with it ; and then, only when I do an Early Acess to pay for my prescriptions. Frankly, I do not even recall having such a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Beginning the house buying process we were pre-approved with this lender. After finding a property and having our offer accepted, our lender, we thought, started the paperwork. During the month between the offer and closing, our loan consultant changed jobs XXXX times. Being our first home, we did n't know what to expect and our agent assured us consultants change jobs a lot. Our consultant did n't ask for much documentation after gathering the essentials in the beginning. Our appraisal was done late, on our part. Our consultant assured us she would get everything rushed. The day after the proposed closing date, the consultant started to ask for more income and credit based documents. She also was no longer reachable by phone, our agent could n't even get in touch with her. After submitting income-verifying documents, she attempted a Rapid Re-score to get the credit score from a XXXX to a XXXX. In the process she actually lowered the score to a XXXX! She also then blamed the drop on something else. At the end of being completely frustrated we saw the XXXX inquires she put on our credit. We inquired with her first company, to see if they could straighten out the mess. She then informs us, by email, that they might could help us. So she basically figured she could stall the process and in the meantime our credit score would go up the XXXX points. All the while not keeping us up to date and being illusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Portfolio Recovery- XXXX, contacted my employer about my debt. Its against the law, now I have been placed on evidence with the people I work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I financed a car in XXXX with Chrysler Capital in order to take advantage of a promotion. I made XXXX payments before getting a new loan as told to do so my the car salesman. I refinanced my loan with XXXX. The application was approved on XX/XX/XXXX. The check was received on XX/XX/XXXX, at Chryslers correct address according to XXXX. I received a bill from Chrysler Capital dated XX/XX/XXXX. In the account activity, it says the vehicle was paid off on XX/XX/XXXX, and the payment was reversed on XX/XX/XXXX. Meanwhile, I, the consumer, am receiving bills from two banks ( Chrysler and XXXX ) for the same vehicle. I have communicated with both banks three separate times now with no effect. This experience has been very frustrating for me the consumer. I am the one whos name and credit are the online. I would like for the two institutions to communicate with each other and resolve this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Navient Solutions, LLC.
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 XXXXt account # XXXX, has violated ny rights. 

15 USC 1681 section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It aslo states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation