BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
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:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} DateOpened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
The home that was left to me by my late grandfather is in foreclosure. I have stressed how to get the house out of foreclosure after the XXXX disaster. I have no other option at this time but to sell the property. I have requested a payoff letter b/c I have a buyer. We are ready to close they sent me a payoff letter that did not reflect the Loss of draft surplus funds. 
I requested a payoff letter on XX/XX/2023 it took a few days to get the payoff letter which didn't include the surplus funds in the amount of {$15000.00}. I asked if could there be another payoff sent with the correct numbers she never told me that I had to write a letter stating that I wished to have the funds applied to the payoff. They were being deceitful by leaving off that information knowing the property was being sold. why would you not provide the full overview of the account if a payoff implies there is going to be a sale or a settlement of the account? instead, she directed me to speak with loss draft I spoke to their supervisor on or around XX/XX/2023, and the supervisor then told me to send a letter to request to apply the loss draft funds to the account which I sent on XXXX XXXX XXXX XXXX XXXX XXXX No one is helping me resolve which seems like a easy task to show that there are addition funds that should be applied to the pay off letter. 
ALL I AM TRYING TO DO IS OBTAIN A PAYOFF LETTER THAT SHOWS THE PAYOFF AMOUNT AFTER THE LOSS DRAFT FUNDS HAVE BEEN APPLIED. 
AS OF TODAY SPEAKING WITH XXXX XXXX she tried to contact the departments and no one answered her. SO WE GOT NO WHERE. I don't know what to do anymore. after speaking with the loss draft dept. rep XXXX who says they are the depart that handles the payoff request has not received my letter and has no open report. after I became very frustrated I asked him to send me written instructions on how to resolve this process he refused to send it on paper via email it US mail. I told him I needed an outline of what to do because the direction over the phone had held me up for over a month and I had no resolution. I am afraid my buyer will walk away from the sale if they don't send me a payoff letter including the loss draft funds. Every department is sending me to another. None of them took the time to speak with one another directly. So each Time I call it is something new. I am frustrated and ready to give up. I already have anxiety and can't sleep at night because of this. This taking a toll on me XXXX and my health is at risk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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: Professional Placement Services, LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent Professional Placement a XXXX XXXX first wave for Derogatory letter asking them to remove the collections off of my account. Professional placement sent a letter back to me stating that they will remove the balance after the account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I recently had a credit card with XXXX bank for the chain store XXXX. When the credit card switched to another bank, Barclay Bank, I opted out by phone ( XX/XX/2022 ) to receive the new card due to very high interest rates charged by Barclay. I called again in XX/XX/2022 to confirm that the card was cancelled and that I would not receive a new XXXXBarclay 's card, also to complain about unsolicited emails that were being sent to my work account ( which they claim they were unable to stop ). It is now XX/XX/XXXX and I have received an unsolicited credit card from them, despite my opt out request and my account being closed. I have been waiting on hold for over half an hour to resolve this issue as I do not want this on my credit rating. No one has picked up the phone so am unable to resolve.

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 2023-12-11
Company: EQUIFAX, 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:
To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$400.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$400.00} ;

Company response to consumer: In progress
Consumer complaint received 2023-12-12
Company: CL Holdings LLC
State: AL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Reached out to the company for them to provide the paperwork I requested but was told no they would not provide me with information but then was told by them to send a copy of my credit report to them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSWORLD SYSTEMS INC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted last week by a collections agency saying I owed {$650.00} for an unpaid energy utility debt from 2021. 

They could not give me much information, except for the service dates and account balance and the company who filed this collections notice. 
I contacted XXXX XXXX XXXX, the filer of the notice. They explained that I was not in their system. I contacted my old energy provider at the time of this service date, and XXXX had no record of me either. 

After calling the collections company 3x, they finally gave me the service address, and I recognized it from a scammer who had used that address to setup a comcast account. I filed a report for this through this same process that I am now. 

I then googled who provides energy for that area of Texas, and called the company using the address I was given. Sure enough, they had a record. The rep called with me into XXXX XXXX XXXX, and disputed the amount. They want a police report and a ftc fraud report as well. 

The service dates are from XX/XX/2021 to XX/XX/2021 and the amount is for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: GOLDMAN SACHS BANK USA
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 a credit card with this company and the due date for this card is the XXXX of each month. The closing statement date is the XXXX of each month. Meaning that what ever balance is on the account on the account closing statement date that is what is reported to the credit bureaus. I paid my bill in full and there was a XXXX dollar balance on my account on XX/XX/2022 and there was still a XXXX dollar balance on XX/XX/2022 which is the account closing statement date. A XXXX dollar balance is what should be reported to the credit bureaus but they are reporting charges to the account made after the closing statement date on XX/XX/2022. 
I have attached a copy of my credit card statement to prove my point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: TX
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 respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Block, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX my card was used at XXXX for {$70.00} they declined it and then it was approved at XXXX at night so the items in question that we're getting paid for paid for twice I submitted my claim and they denied it. Next transaction was made for {$47.00} at XXXX XXXX XXXX the next one was the XXXX also it was for {$110.00} that was to XXXX XXXX XXXX XXXX. The next one is for XXXX for {$86.00} the next one 's for XXXX on the XXXX in XXXX for. {$54.00} XXXX cents. 
Final transaction was for {$93.00} even to XXXX XXXX on the XXXX of XXXX I reported my card stolen I tried to lock my card during the process of this time but cash offers experience you know technical difficulty outage and that's not what I'm blaming it on I'm blaming it on the whole fact that some took my card and they denied my claim. 
I also filed a XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XXXX XXXX I purchased some cryptocurrencies on coinbase.com, then on XXXX XXXX I found out that my account has been disabled, I was not able to log into my account and withdraw those cryptocurrencies ( worth more than 2000 dollars now ), so I immediately sent Coinbase a ticket following their instructions @ XXXX XXXX XXXX Then I received an auto-reply from them telling me my case number : # XXXX From that day on, I 've been waited for 8 days and still nothing from them. Last week I figured out Coinbase 's support phone number and called, each time I stayed on the line for more than half hour, but the calls never went through. 

I 'm pretty desperate and angry right now. It seems like Coinbase does n't care about the customers like me. I know their support team is still functioning because several friends of mine tried to verify their Coinbase accounts last few days and their requests got proved immediately. So my conclusion is Coinbase choose to ignorant technical problems, they only respond to the problems that endanger their profits. 

I want my money back. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 Account XXXX XXXX XXXX # XXXX. {$11000.00}. XX/XX/XXXX XXXX XXXX. # XXXX {$0.00}. XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. {$17.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. {$0.00}. XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX. {$2400.00}. XX/XX/XXXX XXXX5 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 2022-10-06
Company: Mr. Cooper Group 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 status incorrect

Complaint:
As of XX/XX/2022 XXXX reported that my account is/was 120 days late with {$52000.00} past due.I previously had this same problem with this creditor a few months prior. Mr.Cooper transfer this account to another company RightPath as of XXXX XXXXDuring that time my loan was in process of a modification due to the pandemic. As of XXXX XXXX this home was paid in full. Mr.Cooper has now caused my credit score to DROP XXXX points for which has now cost me from obtaining a new home! This is a violation. Mr.Cooper is/was no longer my service provider and has reported my account being 120 days late!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Incomm Holdings Inc.
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
VANILLA GIFT CARD IS FRAUD!!!! THIS IS THE 3rd or 4th TIME HAVING TO REPORT THESE CARDS NOT WORKING. CLEARLY THE WORKERS ARE STEALING PEOPLE MONEY AND USING IT AND ALLOWING US TO FILE CLAIMS. I NEED MY MONEY NOW. THIS IS OVER {$200.00} & THEY ARE TALKING ABOUT THIS WONT BE RESOLVED FOR 30 DAYS WHEN ALL THEY NEED TO DO IS SEND A NEW XXXX. 

THE CASE NUMBER THEY PROVIDED ME WAS XXXX!!!! THIS COMPANY IS A FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My response from TD bank regarding case Complaint # XXXX was not in good faith. 

TD bank claims that they tried to recall the wire twice but when I reached out to the receiving bank, they did not have a record of this. Hence, I have emailed XXXX XXXX and XXXX XXXX at TD bank multiple times and asked for the swift copy and the reference numbers for when they made the recall but have been ignored. 

I have also spoke to the branch multiple times but no one has mentioned about fraud intake claim. Please advise on how I can file this process and proceed. 

In addition, your employees could have asked questions that are common practice in other banks such as Is anyone instructing you to make this wire as we have experienced wire frauds to easily prevent these type of incidents. Despite that, TD bank has no measurement in place and facilitates such crimes as a part of their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I received an alert email from my bank on Sunday XXXX stating a lender checked my credit report AND verified my identity. After I accessed my bank 's mobile app, I found info on the lender and called Monday, XXXX To my surprise and relief a step answered and after exchanging info, she informed me the credit card that I didn't apply for was flagged and on hold pending further investigation.She also informed meet was applied for on-line and none of my personal devices were used for this action. Please consider this a concern and not a complaint against the lender. Mt complaint is with the person/people who attempted to use my info to procure a credit card!

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 2022-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Three weeks ago, my bank notified me of questionable & fraudulent activity in my accounts at Capital One. Since then, my accounts are locked down and when I call, I'm routed to the Consumer fraud division 's section & my only option is to leave a voicemail.

The voicemails aren't responded to and I'm unable to verify if or when my Ssa has been deposited or any news of when I can retrieve any funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
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:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. 

BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX- XXXX INQUIRIES : XXXX  XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX  XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/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 explanation
Consumer complaint received 2023-09-15
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have previously applied for an XXXX repayment plan, as directed through the us.gov website and received email confirmation that my application was submitted on XX/XX/XXXX from fed student aid and request was received XX/XX/XXXX from NELNET. I then logged into my direct student loan provider ( Nelnet ) and became aware this was never processed. I attempted to call Nelnet and remained on hold for over 2 hours without ever speaking to a representative. I again, applied for my XXXX directly through Nelnets portal and received email verification on XX/XX/XXXX. I am scared that my application was lost again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I havent used my card in XXXX weeks due to the fact that my card was stolen I made a request for a new card XXXX weeks later the day my card arrived I received notification that my account had been closed for violating terms and agreements not sure why being that I hadnt used my card in XXXX weeks I chatted with support they couldnt give me a reason I called to speak with a superior the same thing they have also took money from my account every time I loaded with paper money at the XXXX every time I had got paid through cash app for freelance work I do theyve also taken more then what they should

Company response to consumer: Closed with explanation