BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: AL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: Experian Information Solutions 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:
The fair credit reporting act requires all consumer reporting agencies to ensure the fairness, accuracy and privacy of all credit reports containing consumers. I have notified XXXX that there consumer report of me contains fraudulent and inaccurate items.As described in the fair credit reporting act pursuant to 15 USC 1681e ( 4 ), 15 USC 1681 ( A ) 1, 15 USC 1681e ( b ), 15 USC 1681b ( a ) ( 2 ) inaccurate items must be removed .Experian still has not given me a list of names of all my friends, neighbors, and etc they interviewed during there investigative consumer report to determine the inaccurate items were accurate pursuant to 15 USC 1681a ( e ) .The fair credit reporting act says they have 5 days to disclose that information to me pursuant to 15 USC 1681d ( b ) .I have included a different credit report with a different consumer reporting agency to show the inaccuracies contained in Experian consumer reporting.

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 2023-05-24
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: EQUIFAX, 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:
This is my Follow-up 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 : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: NY
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:
Equifax and XXXX furnished my credit report without my consent and I tried contacting them and they do not know who I am, I gave them my social name and old address, my XXXX XXXX is still showing charge offs, they took my identity and furnished a credit report without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: MS
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:
15 usc 1681 604 ( 4 ) 2. In accordance with the written instructions of consumer to whom it relates. 15 usc 1681 602 ( a ) 4 .there is no need to insure that consumers reporting agency exercise there grave responsibility with fairness, impartiality and respect for consumers right to privacy. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
Company: Western Benefits Group, LLC
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a call in XX/XX/2018 from Western Benefits Group claiming that in order to be part of the income driven repayment program I would have to go through this company. Was informed I'd have to pay a start up fee ( around XXXX dollars ), and then XXXX dollars a month for the life time of the loan to keep the benefits or I'd have to pay the full amount monthly, I was also told I'd have forgiveness through this program after 10 years of on time payments- which was a lie. I was informed recently that it does not cost anything to be in loan forgiveness programs and I was FOOLED into giving this company a start up fee and a monthly fee for 4 YEARS. I'm grateful my loan servicer called me and asked me about this information or they would have robbed me forever. IN ADDITION, when i talk to western benefits group rep, he had NO RECORDS of paying a start up fee, put me on hold to look for the info and came back to tell me he couldn't find it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-09
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I open my account since 2009, when still was a Wamu Bank, and I use this account for everything, it is the only account I had till this saturday XXXX, when I had to open another accounts at other bank because friday XXXX I found out that they blocked it, and I when I called saturday they told me that my accounts are been review in process of closing, without any call or message over the phone or anything, I called chase to unlock it but they said that they can not do nothing till the review is done on XX/XX/XXXX, leaving my wife and me without any money and witout all the savings that we have for our daily life and by the way they dont give a exact reason why they are doing this, they says that my account is being review for suspicious activity, and I dont know why is that cause the only source of income that we have with my wife is our jobs, and before I got my account hacked and somebody try to make a huge payment to a website with my checking account but chase sent me a text message asking me if I was the one doing the transaction, luckily I caught it on time and they cancel the transaction, but they didnt lock my account back then, and this experience make me think... If they were suspicious they should have sent me a message again instead of all the problems that they cause us, leaving us inhumane stranded without access to our money for around 3 weeks o more, until today I can not do nothing with my account still locked and I have to ask to somebody to lend me money for pay all the bills that were due and my groceries and all my daily life and survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: NY
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:
When I investigated my credit report, I realized that some of the information was erroneous.

The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX  XXXX Balance Owed : {$4300.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28
Company: Affirm Holdings, 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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: MI
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 items 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4300.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$100.00} XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2022-02-09
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I requested to reduce my interest rate to XXXX XXXX as it was hard to pay a high interest rate. 
They promised, if I apply for loan modification, my interest rate would be reduced. I requested to refinance based on my good credit and payment record. They informed and insisted that the only way to get requested relief was to apply for loan modification. On their insistence and information that my interest rate would be reduced, I applied for loan modification twice but they did not reduced the interest rate at all and now they are refusing to refinance and not accepting their mistake. If I would have advised for refinance from the day one, I could have get refinance at 2 % or less while I was current on my mortgage with good credit. Now I can not refinance from anywhere and Loan Care is fully responsible for this misleading and misguiding intentionally. They refuse to reply of my voicemails, emails and certified mail at all knowingly and willfully. 
In good faith, I reminded them our conversations, but they aren't resolving the issue, but are threatening. My original request was to reduce interest rate which is 4.375 %. I believe they have misled me intentionally. I respectfully request assistance in negotiating the terms of modification reflecting the original promise of reducing it interest rate and waive any and all unlawful late fee and penalty, they have levied without cause and in violation of my consumer rights. If this was not done intentionally twice, that what is this? why I was misguided and misled? There is some someone somewhere who can ask this question and I have right for correct answer and get this problem fix ASAP. 

Best Regards. 
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 2021-07-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi I would like to file a complaint against A loan officer from fifth third back due to false information and damaging my family. I am a mom of XXXX who had previously owned a property that was cashed payed back in XXXX, I tried applying for the first time for a loan and I meet with XXXX XXXX like around XX/XX/XXXX from fifth third bank who assured me that I was good to apply. I submitted documents in regards to my income and he always knew that I was a 1099 ( self employed ) I was not a good candidate for a loan due to my income from my previous taxes year XXXX and XXXX. I had not clue and I fully trusted this loan officer. He also knew that I had to sell my house first in order to buy and he still allowed me to proceed knowing that I was not going to be approved for the loan, I sold my house in XXXX XXXX staying without a home and leaving my childrens without a home waiting for XXXX to give us the great news. XX/XX/XXXX he calls and says I was not approved for a loan due to my income when I had already paid for the loan application, gaved XXXX money, and paid inspection. XXXX gave me a pre qualification letter without any explanation and and without verifying my income /assets correctly. Now Im homeless and about to lose my {$4000.00} XXXX money because this loan officer gave me false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: CO
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 am formally submitting this CFPB complaint today to bring to your immediate attention the distressing fact that I have fallen victim to a severe case of identity theft. After conducting thorough research on the appropriate steps to rectify this situation, it has become evident that I must engage with the FEDERAL TRADE COMMISSION, accessible through their official website at https : //www.ftc.gov, in order to file a comprehensive report. I would like to emphasize that, as per the explicit provisions outlined in FCRA Section 605b, it is mandatory for Credit Reporting Agencies to promptly remove or block any accounts listed in connection with an identity theft report. For your convenience, I have enclosed the necessary supporting documentation to facilitate the swift elimination of the erroneous information that is tarnishing my credit report. The following accounts, which clearly do not pertain to me and have been illicitly opened without my authorization, require immediate attention : 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 Furthermore, in strict accordance with FCRA Section 605B ( a ), it is explicitly stated that the CREDIT REPORTING AGENCIES are obligated to expeditiously block any information within a consumer 's file that is recognized by the consumer as originating from an identity theft incident. This crucial action must be taken no later than four business days from the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I had a home equity loan back in 2017 that the bank showed we defaulted on and reported this to the IRS and issued a 1099 form accordingly ... ..We were never notified at the time and subsequently sold the property to whom the XXXX  was attached and the attorney handling the sale found the line of credit balance and paid the bank ( Suntrust ) the outstanding balance at the time of the sale ( {$27000.00} ) ... .we have the transfer of funds paperwork from the attorneys office as well as a letter from Suntrust saying the debt was satisfied, however we asked that a corrected 1099-c form be sent to the IRS as well as reporting the debt satisfied and accounts closed to the three credit bureaus and they refused to comply ... ..It has now developed into a huge problem with the IRS holding me and my wife liable for the XXXX which they perceive was the result of debt forgiveness ( 1099 ) they claimed back in 2017 ... ..All they have to do is submit a Corrected 1099-c form to the IRS and they have refused ... ..If the file transfer did not go thru... please alert us... we can send over all the files upon request

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I bought a car on XX/XX/17, and they sent me a XXXX XXXX card. I used the card for about a year and noticed the card kept going up they had signed me up for a card security plan. I tried calling but never got a response that made any sense. I finally requested a payment history, and when I talked to someone over there they refunded me XXXX but they did not refund the interest from 2017 until the present. I want the interest refunded, and they should be reprimanded for signing people up without them knowing. In a lot of places, they would call that forgery.

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 2023-06-20
Company: EQUIFAX, 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$520.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I made a transfer of XXXX BTC and XXXX ETH, from the hard XXXX XXXX to Coinbase XXXX XX/XX/2021. Coinbase immediately blocked my disposal of XXXX BTC, without explanation. 
The amount is still blocked. 
I contacted their support repeatedly and received only automatically prepared answers, unrelated to my problem and after that as response to my formal complaint Coinbase state " my case is resolved and closed at XXXX XX/XX/2021. '' The amount of XXXX BTC is still blocked.

Company response to consumer: Closed with explanation