BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
These inquiries on my credit report are unauthorized and I don't appreciate inaccurate information on my credit 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 2020-03-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XXXX of 2019 I received a set of e-mails from Fifth Third Bank thanking me for opening an account. I never opened an account with the bank. In fact, I haven't set foot in the state of Ohio in over 40 years. 

The account was opened by : XXXX XXXX Personal Banker II / NMLS # XXXX Fifth Third Bank | XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Oh XXXX Main : XXXX | Direct Line : XXXX | Fax : XXXX I repeatedly tried contacting Fifth Third Corporate HQ immediately after I received these e-mails because I suspected fraud. Not surprisingly there was no way to get through and when I did reach someone they were unwilling/unable/or completely uninformed to help. I followed Fifth Third 's directions to report this to their investigation e-mail and received no response at all. 

I then called the branch in XXXX, Ohio eventually and spoke to Ms. XXXX 's manager. He explained this all away with saying my e-mail address was entered for this account but it was for a different customer who had my same name. I don't have an extremely common last name so found this a bit fantastic but possible. I mentioned the XXXX XXXX example to this manager as well as the nameless person I spoke to at Fifth Third Corporate. 

I left my interaction with Fifth Third distrustful. So I froze all of my credit reports. Thank XXXX I did because now the Press is reporting just as I suspected that Fifth Third mimicked the dishonest XXXX XXXX. 

I want Fifth Third to contact me and provide me with an attestation - something I requested of Ms. XXXX 's manager - that no account was opened in my name. If there was I want to know who opened it and how, if my credit was tarnished, will I be made whole.

Fifth Third needs to be fined heavily for this behavior and people there need to be sent to prison. I have worked so, so hard to keep my credit rating at an excellent level. Some dishonest jerk who needs to make an unacceptable quota finds my information through dishonest means and opens an account in my name. That is STEALING! 

Furthermore, is likely evidence that Fifth Third has not/not stopped opening accounts without customers ' knowledge. Please reopen your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
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: Account information incorrect

Complaint:
Hi, I hope this letter finds you well. I am writing to file a formal complaint regarding a significant issue with the reporting of my credit information on my XXXX credit report. I have encountered numerous challenges in attempting to rectify this matter with the involved parties, and I am seeking your assistance in resolving it. 

The issue at hand involves multiple inaccuracies related to my Affirm loans on my XXXX credit report. Specifically, I have observed the following discrepancies : Incorrect Number of Charged-Off Loans : I am aware of six Affirm loans that were charged off. However, my XXXX credit report displays a total of seven charged-off Affirm loans, which is an inaccurate representation of my credit history. 

Multiple Collections Companies Reporting the Same Debt : After the charge-off, my Affirm loans were reportedly sold or transferred to three different collections agencies, namely XXXX XXXX, XXXX, and XXXX XXXX. Despite this, Affirm continues to " own '' these charged-off accounts on my credit report. Consequently, the collections agencies have been unable to update the credit bureau themselves, as they " do not own the debt, but only report to Affirm. '' Paid-off Loans Not Updated : Four out of the six Affirm loans were paid in full or settled between XX/XX/XXXX and XX/XX/2023. However, my XXXX credit report still reflects these loans as " charged off and unpaid, '' which is misleading and inaccurately represents my credit standing. 

Unresponsive and Uncooperative Affirm Customer Service : I have attempted to address these issues by reaching out to Affirm through email and phone calls. Unfortunately, I was met with unhelpful responses, stating that the information on my credit report is " accurate, '' despite the evident inaccuracies. 

Dispute with XXXX Unsuccessful : In my efforts to resolve this matter, I disputed the accuracy of the negative accounts with XXXX. Regrettably, they asserted that the information provided by Affirm was accurate and thus could not be removed. 

I firmly believe that these inaccuracies have significantly impacted my creditworthiness and financial standing. As a responsible consumer, I have taken appropriate measures to address my financial obligations, yet the misreporting persists, hindering my ability to access credit and financial opportunities. 

I am hopeful that your intervention will result in a prompt resolution of this matter and restore the accuracy of my credit history. I am prepared to provide any additional documentation or information necessary to facilitate the investigation. 

Thank you for your attention to this complaint. I eagerly await your response and cooperation in resolving this pressing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Wells fargo closed my account because a payroll check I deposited was no good. Isn't that what a bank is for but instead they froze my accounts and kept my funds that were in my account for over a month. And I didn't have online access to my accounts and they also froze my debit cards and I'm XXXX and couldn't pay for my supplies or my nurse.

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 2020-02-13
Company: EQUIFAX, INC.
State: GA
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 recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report XXXX XXXX, XXXX, Dept of Ed/XXXX    XXXX, XXXX XXXX and XXXX. I see a lot of people running my credit and I didn't know about this please take these inquiries off to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted XXXX Police and the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 belongs to someone else

Complaint:
privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-17
Company: CITIBANK, N.A.
State: CA
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:
Best Buy continues to report late payments on two accounts that I had with them with an exceptional payment history. I have recently resolved a different matter with them though they closed ALL of my accounts prior to a favorable resolution. The late payments in question are reflected in the year 2019. I have made several requests for proof of the late payments from Best Buy to no avail. Best Buy has not only ignored my requests but has erroneously " updated '' my credit report by simply moving the months in question around by a month or two.

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 2023-10-16
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I wrote XXXX and Experian about 45 days ago. I asked them to investigate two accounts that were inaccurate. I provided supporting documentation according to their requirements of what would be acceptable documents. To investigate the inaccuracies. XXXX XXXX response was that i did not follow the proper documentation guidelines. An according to their letter stated what would be acceptable. Which is what i provided them three times. This leads me to believe what iam asking to be investigated and reviewed has not been done. And i have continued to receive false investigation reports. Experian has exceeded the timeline for them to respond and iam now escalating the matter to you. The documentation i have provided is : XXXX XXXX response to the investigation that changed absolutely nothing yet they investigated. 
A copy of the letter i sent them A copy of my current credit report and the inaccuracies. 

I only ask that these companies be responsible and truthful with their correspondence. 
Thanks in advance

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 2022-11-23
Company: MOHELA
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: Old information reappears or never goes away

Complaint:
Mohela is my loan servicer. I'm in the middle of a PSLF application and a consolidation. I have had my loans in forbearance and deferment. One day ago, I noticed my credit score dropped XXXX points because Mohela mistakenly did not apply my forbearance and deferment. I'm not quite sure what happened. When I try to call them, I am on the phone hours at a time and I'm always transferred to a supervisor or account resolution specialist that does not exist. I have been on the phone waiting for someone for two- and three-hour intervals listening to their awful music. I can't believe that this is how a company operates. It is unbelievable that the person I need to resolve this situation is hours away. I want to speak to someone to solve my problem. These companies buy and sell my debt like it's some kind of asset for them. They can destroy your credit and create a situation where you can lose your job if you have security clearance. It is one of the worst customer service situations I have ever had to deal with. I want to speak with a customer service person who can correct my credit report without having to wait four hours on hold. No one is that busy, but I do believe they very inept and in charge of more than they can handle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: KEYCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Revoked my ach authorization from the company sezzle in mid XXXX. XXXX weeks later my wallet was stolen and I ordered a new debit card from my bank with a different card number because of the theft. Wake up this morning, XX/XX/XXXX, to several XXXX dollars drained from my account by XXXX Contacted the bank and the bank told me, without my permission, gave XXXX my new debit card number and XXXX used it to overcharge my bank account by hundreds. Contacted key and was told they gave XXXX my new debit card number because I have had buisness with XXXX in the past. Both companies are breaking federal law by not acknowledging my XXXX authorization letter and key is breaking privacy laws by giving my debit card information to whomever calls and asks for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021 I sent National Credit Systems a debt validation letter via certified mail. Their office received the letter XX/XX/2021. 

XX/XX/2021 I sent National Credit Systems a subsequent debt validation letter via certified mail. Their office received the letter XX/XX/2021. 

XX/XX/2021 I sent National Credit Systems a default debt validation letter via certified mail. Their office received the letter XX/XX/2021. 

I have not heard anything from this company and they continue to report an account that is invalid to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: TRANSUNION INTERMEDIATE 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: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX I spoke to a representative at the Florida Department of Revenue regarding duplicating my child support case. One involved a date from XX/XX/XXXX and one from XX/XX/XXXX which are both the same case and it is close but by law has to be reported for 7 years. I only had the reporting from XX/XX/XXXX and have dispute with FDR multiples times to update my accurate information, I have been paying child support timely from the past 5-6 years ( especially within the past 4 years since employed ) They have reported me as late, they have duplicated the same case. 

Technically, the duplication from XX/XX/XXXX shouldnt even be on my report because its 8 years and 9 months old. And secondly the correct date is XX/XX/XXXX which is set for deletion from all three credit reporting agencies this Spring. 

The XXXX County local child support office has done absolutely nothing to amend the duplication reporting XX/XX/XXXX. I have documents to support this via Transunion, making it to appear as if I owe Florida Department $ XXXX in child support and in reality the accurate reporting is {$51000.00} set for deletion this spring as I served my 7 years credit reporting sentence.

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 2023-10-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Reporting - XXXX XXXX XXXX XXXX XXXX, I have recently moved to XXXX XXXX XXXX, XXXX, XXXX, XXXX I am receiving mails related to a loan/credit application with several banks/companies applied by XXXX XXXX on my XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. 
Previous house owner also didnt know a person named XXXX XXXX XXXX I am worried that this might be a financial fraud, can you please check at your end and tell me what actions need to be taken from my end. 

I prefer email communication as I can't remember each and every complaint Im making for this. 

Thanks, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2020-02-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I just got off the phone with XXXX, and they repeatedly assured me that I brought my payments current with them back at the end of XXXX! However the credit bureaus have continued to show me as late since then! I now have 2 accounts that are showing a payment status of late more than 120 days! This can not be! I just consolidated these loans!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello, I am going to recap to quickly rehash the theft and reason for the case to be open. The value of my account on XX/XX/XXXX prior to the theft, was XXXX. After the theft I was left with XXXX. Coinbase admitted negligence a year later, and on XX/XX/XXXX sent XXXX. I then responded to Coinbase again using the same case number asking for the remaining balance due to me. Coinbase never replied to my attempts at contact. All of the sudden I received an email in regard to a deposit of XXXX on XX/XX/XXXX. This leaves a remaining balance of XXXX. I am still looking for the full balance returned from Coinbase. They have admitted fault and have paid almost all that is due to me. I am just asking that the remaining XXXX be returned to me. 

Furthermore, I'd like to draw attention to some unusual activity on Coinbase 's Website. I have a screen capture from XX/XX/XXXX of My Assests selected to All- where you can see the XXXX that was in my account prior to the theft. I went in XX/XX/XXXX to My Assests selected to All and now there is no record of XX/XX/XXXX. I am unsure how the account history can be altered so dramatically. Is this legal? I am attaching the screenshots for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was a customer of Wells Fargo from approx XXXX thru XXXX. 
I was overcharged for {$35.00} fees that ran into $ XXXX of dollars. 

In XXXX approx I lost my cell phone with all my banking info on it and someone used it to the point of putting me in the negative $ XXXX {$2500.00}. I talked to the bank & filed a report and they would not help me in anyway. I wasn't able to pay bills for over a month or eat etc. 

I feel very strongly that Wells Fargo took advantage of me & other customers. 

I Pray there is some way you can help 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