BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-21
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Coinbase withdrew money from my account without my authorization and then blocked me from their site. Its been six weeks and Ive tried contacting them literally every day with no response. They have {$38000.00} of my money and Im suffering from XXXX losses daily

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit 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:
On XX/XX/XXXX I received a fraud alert from Barclays Credit Card services that 3 charges from XXXX had been posted to my account. I called Barclays customer service within 30 minutes of receiving the notice and explained all 3 charges were fraudulent. I was told they would remove all three charges. I asked if I need to destroy my credit card and be supplied a new card but was told that was not necessary. My XX/XX/XXXX statement showed the 3 charges were removed. I received my XX/XX/XXXX statement on XX/XX/XXXX and one of the 3 charges in the amount of {$110.00} was listed on the statement. I checked my XXXX Account and there was a charge in the amount of {$110.00}, but it was listed to a credit card with the last four digits XXXX, ( see attached statement ). My credit cards last four digits is XXXX, see attached statement. I called XXXX 's fraud investigation and spoke with XXXX, she informed me the vendor had provided documentation that was acceptable to XXXX 's so one of the 3 charges was reinstated on the statement. I explained this was a mistake and ask to speak with a supervisor ; I was denied. I requested and email address and was denied. XXXX XX/XX/XXXX at XXXX XXXX, I spoke with XXXX XXXX after I provided him my name and account number, I was told the computer system was down and I would need to call back. At that point, I filed a complaint with CFPB.

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 2023-07-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: NC
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:
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. 

Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2023-03-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I submitted disputes with experian and XXXX to have the account removed early via early exclusion. The creditor then updated the account status to only show that it was charged off and subsequently removed all late payments and on time payments. An account CAN NOT BE charged off if there were never any late payments. I have screenshots of previous reports. I have reached out to XXXX, Experian, and XXXX ( XXXX  XXXX ). XXXX XXXX has said they are unsure why the payment history changed and are opening an internal investigation. This account is going to be falling off in XXXX and XXXX based on what dates each credit reporting agency has. I would ask that XXXX  XXXX or XXXX  please allow early exclusion of this as Im in the middle of a getting mortgage and the careless and frankly shockingly alarming error that XXXX ( XXXX  XXXX ) has made here has tanked my score by XXXX points for my regular FICO score and almost XXXX points for my mortgage score. If they didnt want to approve it being removed early via early exclusion then they should have simply said that and not tried to fix something that wasnt broken in the first place. This is going to mess up my entire mortgage application and Id like this fixed by either putting the payment history back to what it was or by removing this account from my report all together. Im not sure if at this point putting the payment history back to what it was would even remedy the amount this has tanked my score.

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 2023-04-20
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: Information belongs to someone else

Complaint:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: CITIBANK, N.A.
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-09-15
Company: EQUIFAX, INC.
State: KY
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:
I am liable for this debt with XXXX XXXX XXXX XXXX I did not have a contract with XXXX XXXX Acct # XXXX they did not provide me with the original contract as I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of 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 XXXX XXXX XXXX, VA XXXX XXXX XXXX CT # XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX 1912 XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-08-14
Company: LEXISNEXIS
State: MN
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:
I am requesting a letter with method of verification for verifying a bankruptcy from XXXX, XXXX  and Lexis Nexis. I need to know how XXXX, XXXX and Lexis Nexis verify a bankruptcy before they add the information to an individuals credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Global Lending Services LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
In XX/XX/XXXX, i called Global lending to make my normal monthly payment when a representative advised me that my account was CLOSED and my car principal was paid off and my title would come through the mail soon. ( I worked over seas at the time, so i was unable to retrieve any mail ). She did advise me of fees that were at the end of my loan that i would need to take care of ( late fees etc ). I asked her could i possibly make smaller payments towards those ( fees ) at a later time possibly XXXX $ per month and she said sure. At this time, Im am under the impression that my car principle balance is paid off, the title is in the mail and this car after 5 years is mine. I was aware of ( fees ) that i owe to this company for late payments and etc. but she told me the car principal balance was paid. On XX/XX/XXXX, my car was repossessed by this same company. I never received 1 call from them or letter but they picked my car up from my address. I was never made aware that my car was in any default status. I kept the same number for a year and it was discovered that during the course of that time i was not called. Im not sure if the representative intentionally gave me False or misleading information, however her negligence has cost me my vehicle and my financial reputation. I have been in contact with the company since the repossession and i have filed a complaint in this representative for her misrepresentation of my account. As a consumer, i feel as though my account was mishandled, i would have made a more educated decision if i was aware of the potential consequences of my account. In the year that this business took not reaching out and making me aware of my debt it caused detrimental damage. I pull my credit report regularly and this account stated closed as well as a zero balance online. This company should be held accountable for misleading consumers or not making sure their customers understand closing details and charge off statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1800.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX XXXX : {$5000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14
Company: EQUIFAX, INC.
State: MN
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:
I am requesting a letter with method of verification for verifying a bankruptcy from Equifax, XXXX and XXXX XXXX. I need to know how Equifax, XXXX  and XXXX XXXX verify a bankruptcy before they add the information to an individuals credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
Since XX/XX/XXXX XXXX XXXX. I been incontact with the XXXX  card business department at Capital One. I have informed the representatives that the business checking is not in my name and I have no way to access something that is in not in my name. Also this account had/ has many unauthorized charges. I informed the representatives that I only have access knowledge of a business account for XXXX XXXX anything else is not authorized by myself since im the owner of the cards/ business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a purchase on XX/XX/21 of {$14.00} using my XXXX credit card from Comenity Bank. 

I did forget to make the payment and was charged a late fee and finance charges. I paid the balance listed on the website on XX/XX/21, but later discovered that I had incurred another late charge, so I still had a balance. 

I paid the total balance in full, {$66.00}, on XX/XX/21, which was not due until XX/XX/21. At that time I requested my account be closed since the company was no longer in business. 

A few days ago my husband told me I had an alert on our credit monitoring service from XXXX. I signed on to the account and found that they had continued to charge me a minimum finance charge and late fees after I paid my balance. The statement from XXXX actually says they will not charge interest if the balance is paid before the due date. 

So I now have a {$30.00} balance on a card that was paid off in full in XXXX along with negative activity on my credit report. I spoke with customer service at Comenity Bank and they stated they took those charges out and my balance is now {$0.00} but said there is nothing they can do about my credit report. 

How many other customers have they done this to??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 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 2023-07-07
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control. I respectfully urge you to update my account with the accurate information as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: MO
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.

All accounts closed or charged off or negative on my credit report are not accurate.

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 explanation
Consumer complaint received 2021-02-10
Company: Checkr, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX, I contacted Checkr to file a dispute in regard to two cases listed as Evictions. I previously had a report ran by a different agency and had the XXXX case removed following my dispute and providing information I have that proves there is no public record being reported. I spoke with a clerk who confirmed they are no longer public record and I have to dispute them to get them removed. 
Checkr says it's valid and the information is correct based of public record and refuse to remove it. I have sent a 609 letter that they ignored all together. I have asked them to provide proof that the information is valid and they have failed to do so only stating its from public record. Again, based on public record there are no judgements or evictions listed for my name or previous addresses. On their report it clearly states Eviction record. I paid for the credit report via XXXX and was only able to use it for twice before the dispute. It has been over a month and I was not able to apply for houses. Nor was the information corrected. This incorrect information is hurting my chances of moving. I am attaching my proof that the Information is not public record and that it can't be verified as well as the results from the other companies investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Bread Financial Holdings, Inc.
State: MT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened the XXXX 's account XXXX, the credit limit was {$1100.00}. On XXXX the account was closed due to the fact that XXXX 's closed. I had around {$900.00} on the card, since then I have paid atleast the minimum due and my payment continues to go up. I called to resolve this they said there was nothing they could do. How can your balance owed continues to go up when the account is closed and the card can't be used? The balance on the card is now {$1300.00}. I have never been late on a payment. I feel I should not owe what they have charged to my card once the card was closed and payments were being made. Thank you for your help in this matter.

Company response to consumer: Closed with explanation