BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: VA
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 personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 2023-01-17
Company: EQUIFAX, INC.
State: TX
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX 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 explanation
Consumer complaint received 2020-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have credit card with Capital One. For some reason, even if you pay before XXXX  on the due date, you are penalized ( charged a late fee ) and your credit score is damaged if you pay after XXXX XXXX. It is absurd that you are not given the entire day to make your payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: WV
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-08-31
Company: EQUIFAX, INC.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove this inaccurate account from my credit report as I have never authorized anyone to use my account. It is important that you eliminate these fraudulent accounts to ensure the accuracy of my credit report. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Acccout # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
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, XXXX XXXXXXXX XXXX account # XXXXXXXXXXX XXXX, Loan Amount {$4500.00} has violated my rights. 

In accordance with the fair credit reporting actXXXX XXXX XXXXXXXX XXXX account # XXXXXXXXXXX XXXX, Loan Amount {$1000.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX XXXX XXXXXXXX account # XXXXXXXXXXX XXXX, Loan Amount {$3000.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
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 was a victim of identity theft and I request again to remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$75.00} ; XXXX XXXX Balance : {$8400.00} ; XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
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: Account information incorrect

Complaint:
Companies : Experian and XXXX XXXX XXXX XXXX : XXXX XXXX Loan XXXX XXXX XXXX Home Equity loan # XXXX Loan was paid off in XX/XX/XXXX, but still shows with amounts owed : Experian shows {$10000.00} and XXXX shows {$10000.00}. 

Contacted XXXX XXXX on XX/XX/XXXX, and was told they submitted information to credit bureau on XX/XX/XXXX Contacted credit bureau same date and was told they did not get sufficient information to update my credit report. On XX/XX/XXXX, Experian representative hung-up on me after waiting more than 30 minutes. Neither company wants to take responsibility. I told them both this incorrect and negative information is impacting my credit report and credit score and it's hurting my ability to obtain the credit I am entitled to.

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 2022-05-20
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This case was previously presented to CFPB in which the debt collector agreed to remove it from all credit reports. The case number is XXXX. Upon monitoring and contacting all 3 bureaus the debt collector is refusing to remove this account from my credit. Attached are all documents that were previously presented to prove that this debt is not mine. Also attached is the statement provided by the debt collector to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance XXXX {$1300.00}

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 2023-08-23
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-17
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
So I haven't logged into my Coinbase account since XX/XX/XXXX until XX/XX/XXXX. When I logged into my Coinbase account on XX/XX/XXXX, I noticed it didn't require me to put the code from my XXXX XXXX. As soon as I logged in, I knew something was wrong because my total asset value was at {$0.00}. I panicked and checked the transaction history. 

It shows someone exchanged all my coins into USD and withdrew them to several different debit accounts from XXXX XXXX XXXX. Total USD stollen is {$57000.00} from XX/XX/XXXX to XX/XX/XXXX. I reported to local police department right away but the officer told me there isn't anything he could do. 

Talked to Coinbase customer service that night but they only instructed me how to reset my password and XXXX XXXX, and told me to wait. During the talk, I found out the hackers disabled my XXXX XXXX and enabled it on their device. I was wondering how they could easily turn off my Authenticator because it would require ID verification. Coinbase informed me there was no one requesting for ID verification prior to me requesting to regain the access to my Coinbase account. 

I don't understand how Coinbase allowed someone to disable XXXX so easily without proper verification and also allowed withdrawal of tens and thousands of dollar so quickly and easily. Usually there is withdrawal limit. 

I lost my life saving and Coinbase assumed that it was my sole responsibility. I believe millions of people are using Coinbase as it's most well know crypto exchange platform. I noticed there are many people whose assets and cash got stollen from Coinbase account. Some lost more than $ XXXX but received only couple hundred dollars for one time credit. Coinbase still made money off of my disaster because as hackers were selling my coins to USD Coinbase still made money from transaction fees. I don't know if they can really say to use their platform at your own risk and if the money gets stolen they are not responsible at all. I even think that they might be part of the hacking as they made money off of the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: U.S. BANCORP
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
We experienced a loss of income due to Covid and are now able to resume our payments and have been for several months now. I've applied for a loan modification and have been told by your customer service department to wait until my modification had been approved to make payments, I've since then submitted two applications, have denied a repayment plan that was way above my ability to repay and am now going on my second appeal.

I have falsely been led to believe by your customer service representatives from the beginning of my forbearance that US Bank would help me by deferring my payments at the end of my Covid Forbearance. Very disappointed and frustrated and stressed, with the situation US Bank has put me in. I have done nothing but provided the required documentation that is needed vi XXXX just to be told by your customer representatives that they were unable to open the document files I had send with no notice but a decline of my application. I then submit a second application and was approved for a repayment plan that was unreasonable. I'm now on my second appeal letter, for a denial of my application again due to my income ratio being less than 38 % and I do'not meet program guidelines. What are you program guidelines? There is no explanation of what the program guidelines are and what numbers where used to come to this number. I'm self employed, have a season business and my income varies. If I new what the program guidelines where I could have a clearer understating of what is required of me to modify my loan and get back to making my monthly payments. I believe your calculations are incorrect and would like furthers assistance with my modification, but I can not get the help I need and answers to my questions after several attempts to contact my relationship manager, and by the way I have never been able to het a hold of and is constantly changing. I would like a call back from someone who can give me answers to my questions.

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 2018-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit score has tanked since banking with this Bank. I started the administrator process to valid the alleged debt that I supposedly owe to this Bank. Theirs response had been flooded by generic letters without providing the original contract bearing my wet ink signature ( promissory note ). According to the Fair Debt Collection Practice Act ( FDCPA ), I have the right to validate any debt I owe. This Bank had since left tons of calls, voicemails and letters trying to correspond with me and ruined my credit score with late payments and delinquent accounts. This Bank have committed fraud for reporting unvalidated information to the 3 major credit bureaus. Im not hesitant to bring a suit against this Bank for violating Fair Debt Collection Practice Act ( FDCPA ), Tax fraud and defamation of Character! These banks must remember that WITHOUT the consumers, theres no business! Ask yourself : Whats a Debt? Legal tender was no longer required for payment of debt on XX/XX/1977! 
According Social Security Number, Im classified as a minor. A minor can not be a party to a contract ( HJR 192 )!

Banks can not loan money. They are in business to buying securities. The consumers signature CREATES the security! And since this Bank have submitted my account ( s ) to collections, they have committed a felony for unlawful use of my Social Security Number. This is grounds for identity theft and distortion. BY LAW, all 3 major credit bureaus must remove these accounts from my credit report. *BOOM* ( Ending Note ) The consumers are the original creditors but was misled by these greedy banks into thinking were the debtor!

Company response to consumer: Closed with explanation