BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-13
Company: AVANTE
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Avante USA has reported a collection to the credit bureaus claiming that I owe {$1900.00} to XXXX. I've never had an account with XXXX XXXX. This erroneous claim has caused a drastic decline in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
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:
I am writing to delete the following information on my file. The items I need deleted are listed in the report. 
I am a victim of identity theft & did not make these charges. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission & 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 non-monetary relief
Consumer complaint received 2023-02-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX is not my account & need to be removed asap

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 2022-11-09
Company: Coinbase, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
the Coinbase XXXX app  is a fraud. It looks lke a coinbase wallet, but it's not. 
It seems like a foreign entity has done a masterful job at creating a web site that would resemble a wallet. But it's a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have moved from the USA to XXXX  in XX/XX/XXXX but did not close the personal account held with Bank of America as my employer had plans of sending me back in couple of years. All was going well so far. 
During first week of XX/XX/XXXX, I updated my mailing address to my current address in XXXX  and received a renewed credit card from the Bank. A week later I tried to update my primary address after logging into my bank mobile app and which I was able to do successfully but moments later my account got locked and I was unable to login as system suspected that it may be a fraudulent activity. 
Called the Fraud department of the bank on XXXX XX/XX/XXXX and I was asked to provide a phone number from the States to verify my identity by sending code. As I am no longer using any number from the States so that option failed, next thing I was told that a reference code will be sent to my address after receiving which I need to call back. 
On XXXX XX/XX/XXXX, spoke to a representative over phone from fraud department but the person did not share any information whatsoever about the address where I am supposed to receive the reference code. Again, on XXXX XX/XX/XXXX, spoke to one more representative over phone but this time I was informed that it is the primary address in the USA where the reference code was sent on XXXX XX/XX/XXXX. Having informed that I no longer live there as it was a rented apartment, so requested to resend the code to the mailing address updated with the bank but the request was denied, and the representative repeatedly told me during our conversation that I need to visit the nearest Bank of America branch with 2 proof of identity to get the account unlocked. I made my situation known that I can not travel back to the States as I no longer hold a valid visa. But all I get in reply is, it is the ONLY option available to me to get help. I am in need of the funds but can not do anything to get the issue resolved while I am in XXXX. Please advise and help!!!

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been sending in complaints and disputes letters for 6 months now and nothing has been done. Ive called and no one has done anything to get the fradulent items off my credit report. I did not work with these companies.

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 2023-02-03
Company: Experian Information Solutions 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 Credit Reporting Agency ( CRA ) keeps furnishing inaccurate and incorrect information despite multiple disputes. They keep telling me that information has been " verified '' however the loan servicer has CLOSED and no longer has anyone working for them who can " verify '' anything. My new loan servicer states they do not see any late payments and that I need to contact the original loan servicer ( XXXX ) but XXXX is CLOSED so I can not request any copies of letters or request debt validation. 

I have multiple accounts ( tradelines ) posting to my credit report for XXXX XXXX XXXX  and EACH account is showing 90 days past due for XX/XX/2019 and 120 days past due for XX/XX/2019. Specifically : XXXX XXXX tradeline with balance of {$15000.00}. Comments " dispute resolved. '' This dispute was never resolved. Shows 90 days past due in XX/XX/2019 and 120 days past due in XX/XX/2019. On the 90 day late line-item the CRA reports XXXX invalid date. '' XXXX XXXX tradeline with balance of {$57000.00}. Comments " consumer disputes after resolution. '' There was no resolution. Shows 90 days past due in XX/XX/2019 and XXXX past due in XX/XX/2019. On the 90 day late line-item the CRA reports XXXX invalid date. '' XXXX XXXX tradeline with balance of {$36000.00}. Comments " consumer disputes after resolution. '' There was no resolution. Shows 90 days past due in XX/XX/2019 and XXXX past due in XX/XX/2019. On the 90 day late line-item the CRA reports XXXX invalid date. '' Please update these accounts to reflect the accurate information. You are unable to verify information because XXXX has closed. I am unable to request debt validation or request a payment ledger because XXXX has closed. I can not log into my former online account to retrieve letters to support this dispute because XXXX has closed.

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 2018-08-17
Company: Experian Information Solutions 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:
Plaintiff asserts XXXX  XXXX XXXX, XXXX ( " XXXX  '' ) failure to provide him proof conducted an intrusive investigation into XXXX XXXX XXXX XXXX having engaged in fraud and deception. Creditor reporting unfounded statements and unsubstantiated claims Plaintiff owing a balance is gross fabrication. XXXX  not contending in writing receiving evidence of proof, Affidavits from sworn police officer, bank statements Discover drafted from Mr. XXXX bank accounts, XXXX sent a statement to XXXX XXXX citingyour account balance is XXXX and account paid in full around XX/XX/XXXX. Attorney General conducted an investigation thru discovery XXXX  never conducted an intrusive investigation, into fact findings but instead, reliance on XXXX falsity of facts. 

Mr. XXXX consumer requesting FTC intercede on his behalf an conduct investigation into XXXX, repeatedly and persistently failure to remove the erroneous information timely. CRAs knowingly from XX/XX/XXXX through XX/XX/XXXX creditor receiving payments made via XXXX XXXX  via phone. In support of argument Deputy XXXX XXXX County Sheriff provided affidavit around XX/XX/XXXX XXXX committed fraud against Mr. XXXX government employee and service member. XXXX  knew or reasonably known of fraud or fraudulent acts rather than take appropriate action instead reported Mr. XXXX owing XXXX in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( a ) et seq. ( " FCRA '' ), supports and substantiates furnisher of the misrepresentation of the facts and XXXX   retaliated or engaging retaliatory action. 

Plaintiff 's asserts both employers XXXX  and XXXX engaging in pattern of conduct, that is habitual and habit forming, making unsubstantiated claims that there is no timing requirement for response or responding to identity theft that occurred or is occurring is incorrect and in violation of 15 U.S.C. 1681g ( a ) .FTC stops unfair, deceptive andfraudulent business practices.

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 2023-04-06
Company: EQUIFAX, INC.
State: SC
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX BANK XXXX Balance XXXX {$120.00} ; XXXX XXXX XXXX Balance XXXX {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$7800.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have an outstanding balance on a car loan with XXXX XXXX, according to my Equifax credit report. Sadly, I was involved in a car accident, the car was a total loss, and the debt was fully paid/settled. As a result of the inaccurate information Equifax reported, I am unable to replace the automobile. Which makes matter worse especially for anyone trying to purchase a vehicle during these times ( shortages, dealer price gouging, increased rates, etc. ) XXXX has also validated this information and stated that no error was made on their end, and that all credit reporting agencies have been informed that the loan was paid in full. 

My credit report has been updated by XXXX and XXXX with this information as of XX/XX/2022. Equifax has not provided any recent information for some reason. I've tried to contact XXXX, but so far without success. XXXX, who I spoke with when I called Equifax today ( XXXX ), informed me that their information is accurate. 

As stated above, this loan has been fully paid. This auto loan has been completely repaid, and the account has been closed, according to the XXXX and XXXX report from XX/XX/XXXX. When I called XXXX XXXX XXXX XXXX XXXX XXXX, I was informed that the loan had been fully repaid and that all credit reporting agencies had been notified. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: NJ
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 accounts 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 accounts 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, I found that under section 605b ( a ) ( Bureau ) shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance : {$0.00}. 

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 explanation
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Failure to Comply or delete these items below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

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 2022-11-09
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
Equifax has not honored their obligation to investigate my dispute correctly by law, within XXXX XXXX Incorrect information appeared on my XXXX credit report on XX/XX/2022 : The account was incorrectly being reported as a charged off account with a balance due. I requested that Equifax please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on the account. 

Equifax never sent proof, neither did they change the negative payment status on the account. 

After an XXXX XXXX went by, I sent another dispute on XX/XX/2022. In the XXXX round of disputes of this incorrect information, I stated that I previously disputed the account stating : ( The account was incorrectly being reported as a charged off account with a balance due. I requested that Equifax provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on the account. ) I also stated that I did not agree with the results of the investigation. I requested that they please mail me the proof of the investigation and proof of the negative payment status for the account, or delete the negative information in the account ''. 

As of XX/XX/2022, Equifax still has not sent any proof, they have not changed the negative payment status on the account, nor have they deleted the negative information in the account. 

This complaint is in regards to the incorrect information for the ( XXXX XXXX XXXX account on my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: FL
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 2021-09-14
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter in the mail on XX/XX/21 from my financial institution informing me that all my personal and business checking and savings accounts will be closed in 30 days. My husband went immediately to our local branch for an explanation, and got no answers. The branch manager there would only tell him that she didn't know why and that the decision was final. I then called the the 800 number and got the same. Extremely confused and frustrated I then requested a Consumer Disclosure Report from XXXX. There is absolutely nothing negative on either report. I'm at a loss as to what to do or how to find out why the decision was made to close our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. 

XXXX BANK XXXX XXXX XXXX XXXX 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 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 2015-08-05
Company: Linebarger Goggan Blair & Sampson LLP
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The statement has a Total affiliated with only XXXX license plate number. 
Actually there are XXXX license plate numbers shown in the Tag No. column. Also, the Total is {$10.00} more than the sum of the amounts shown when adding up the Amount column. There is no explanation or category that explains the additional amount. They are also threatening me with immobilization and impoundment etc. This seems like harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation