BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
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:
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the accounts # XXXX & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be addressed with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages In a XXXX Court room. Conduct yourselves accordingly. XXXX XXXX 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 2021-02-18
Company: Experian Information Solutions Inc.
State: LA
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:
experian will not update my score 2nd request

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-04-20
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a collections account opened under my name for XXXX car insurance that I never had. Also there was previous debt in collections with XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My XXXX, XXXX XXXX, applied to multiple XXXX cards companies without my knowledge. He financially abused me and did not let me have access to see the debt on the credit cards. We are in the process of a divorce now, and I discovered all these cards under my name after filing for divorce and checking XXXX  XXXX. I have filed a police report that is attached. I have filed fraud for the cards as well.

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 2022-02-19
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I am a XXXX working on XXXX XXXX. On XXXX XX/XX/2022 I send money USD XXXX from Western Union to my XXXX XXXX. XXXX confirmed transaction as successful and that XXXX XXXX will be available in XXXX XXXX account on XX/XX/2022. Tracking Number : XXXX XXXXXXXX. However money did not reached the destination. On XX/XX/2022 Western Union mailed me that they are unable to complete the money transfer thereby refund process will take 5 - 7 days. When USD XXXX was not credited to my salaried debit card i contacted Western Union and they said we escalate the case providing me the reference number XXXX. I am continuously in contact with the company but they are saying we are investigating and still my money is not credited to my debit card. 25 days have gone. Please help me to get refund my money. I am attaching the email from the XXXXXXXX XXXX  that they have not received mentioned transaction from Western Union. Thanking You for your help. God Bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 received a copy of my credit report and I have found the following items listed below to be in direct violation of my consumer law under the provisions of the Fair Credit Reporting Act. These accounts are listed with late or missed payments and should be listed as PAYS or PAID AS AGREED. Account Name : XXXX XXXX XXXX ( ). Acct # XXXX Please update the account as Paid in full and closed/Current. My Consumer Law 15 USC 6802B has been violated. It states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. By the provisions of the Fair Credit Reporting Act, my Consumer Law was violated when I was not given the opportunity to direct that such late payments may not be disclosed to such third party like your bureau. Its my understanding that you will recheck these items with the creditor who has posted them. Please remove the late payments that were posted without my consent to opt out of having them report to a third party. Please send an updated copy of my credit report reflecting the requested changes. Thank you for your help with this matter,

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 2021-02-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Mortgage was used to satisfy Chase {$13.00} XXXX Settlement with Federal Government including $ XXXX for consumers since my loan is a XXXX XXXX originated in XX/XX/XXXX and all the papers were signed by the Mortgage Broker. Also Chase has another settlement with US Justice Department in XX/XX/XXXX for {$55.00} XXXX and I am minority and is part of the settlement. 

Chase send us Satisfaction of Mortgage recorded in XXXX County on XX/XX/XXXX at XXXX XXXX. Since the letter came with my wife name XXXX XXXX first she filed it. 
I am seeing the document in XX/XX/XXXX. 

Chase still continued to send bills after XX/XX/XXXX and collect monthly mortgage payments even though the mortgage was satisfied in XX/XX/XXXX. They should have closed the mortgage and stopped sending me bills

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Thank you for taking my complaint. During the pandemic, I was offered a settlement from Capital One bank to resolve a credit card that I had. Due to the hardship of the XXXX the XXXX of family members and the loss of employment of other family members, I had originally made an agreement with Capital one to pay the debt that I acquired. Being a victim of Identity theft and having to change to change my card, I become the sole provider of the home. With that said, I took it upon myself to contact Capital one to make an arrangement. Capital agreed to settle the debt for 2, 800 and I knew that I could attempt to afford that amount. while the pandemic was ravaging my family, I myself became sick. In the process my affairs where handled by another party. Recently I was surprised to learn that Capital One proceeded to breach the agreement and decide to send my paperwork to an attorney 's office for non-payment. While I made some attempts to rectify the situation, they never regarded me as a person who was dealing with my own financial, emotional, physical problems. While banks were making arrangements to work with me, I was referred to an attorney office in which the lady berated me on the phone and proceeded to aggressively harass me over the phone. I proceeded to tell her that I was under the impression that I had already made an arrangement with Capital One and didn't see the purpose of the call. She proceeded to tell me it was my responsibility to contact her every month to let her know what my status was. If you listen to the recording of my interaction with the call center, I was visibly shaken and terribly upset. This scary encounter landed me in the hospital. I am not sure what kind of practices that Capital One are using to assist those who have been hit by the pandemic but my call was not a friendly let 's work with you call. I was very disturb by the encounter and I need someone to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am Submitting this complaint because illegal practices were preformed and despite numerous attempts this debt has not been verified or validated. Amounts have been changed the account has been removed and re added without any written reasons why or that it was being re added, i have XXXX 120 day late payments i can see but this is not the original creditor so any extra fees and late payments or not valid as i never made a payment and have been disputing this for years. In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}. In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00} In XX/XX/XXXX Account Was Removed and Re Added on The Same Day XX/XX/XXXX There is a 120 Day Late Payment, XX/XX/XXXX There is a 120 Day Late Payment, XX/XX/XXXX has a 120 Day Late Payment. I Never Made a Payment Arrangement and I Have Never Made any Payments To This Company It is a Highly illegal Practice I asked to both validate and verify amounts owed, the breakdown of why i owe these amounts, proof that i am responsible for this debt, a contract with my signature on it and have yet to get any response or validation or verification but they say account has been verified how was this done also throughout this entire process they close then open the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Please refer previous complaint ID : XXXX for more details. 
This is regarding my money being stolen from Bank of America online ( via BILL PAYMENT ). 
this is reference ( XXXX ) to BOFA company asked here is information : XX/XX/XXXX : XXXX XXXX XXXX from BOFA ) Resolution Specialist called/emailed me and requested provide a letter from your cellphone provider on their letterhead confirming you did not perform the transaction XX/XX/XXXX : I called cell phone provider : XXXX XXXX customer service ( XXXX XXXX XXXX - XXXX ( XXXX ) XXXX ) and requested Letterhead with all the details which you mentioned, Agent checked with their Legal team and response was " XXXX XXXX XXXX is prepaid service so can not provide legally on letterhead '', their suggestion is : I can logged in XXXX XXXX XXXX website and print transactions and provide to you '' OR You/BOFA can contact them directly ( XXXX XXXX XXXX - XXXX ( XXXX ) XXXX ) so that they can confirm/provide XXXX XXXX did not perform the any fraudulent transactions and details. 

XX/XX/XXXX : Sent details and XXXX trasactions copy to BOFA Enterprise Resolution department. 

Please do reconsider the claim, as you know 1. On XX/XX/XXXX When I noticed two pending transactions trying to post against my account. I contacted the bank immediately 2. XXXX went to XXXX XXXX md police satiation and filed a case related to the same thing ( XX/XX/XXXX, you/BOFA received a police report as supporting documentation ) 3. Filed complaint : FBI-IC3 4. The Two payments were stolen from my account thru BILL PAYMENT without my approval ( took below details from my BOFA online BillPay activity history ) XXXX XXXX XXXX BILL PAYMENT debit XXXX ( last 4 digits of fraud 's account : XXXX - Confirmation XXXX ) XXXX  XXXX XXXX XXXX BILL PAYMENT debit XXXX ( last 4 digits of fraud 's account : XXXX XXXX ) clearly there was Fraud 's last 4 digit credit card account number and confirmation #, BOFA can contact XXXX  and XXXX  XXXX XXXX  to find out criminals. ( actually I contacted XXXX XXXX  and they suggested BOFA can contact them directly then XXXX will provide the frauds/criminal details ) So please help on this, seeking assistance in getting the funds returned. 

CLAIM # XXXX BUSINESS NAME : XXXX XXXX XXXX LAST 4 DIGITS OF ACCOUNT # XXXX POLICE REPORT # XXXX CFPB COMPLAINT XXXX & XXXX Filed complaint : FBI-IC3 FTC : XXXX Thanks & regards, XXXX XXXX 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 2023-08-22
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:
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. 
XXXXXXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$780.00} XXXX  Inquired on XX/XX/XXXX LEASE END Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
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 requested the removal of the following inquires on my credit file : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX & XXXX & XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX I have no knowledge of these companies for any services. 

It was also conveyed to me that inquiries or a fact that I applied for credit or gave my permission to these creditors which is not a true statement!

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 2021-05-24
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hello, I am still waiting for the company to reply to me. it has been two months now and I have not heard back from coinbase. I have money on the account but it seems, the company does not reply to customers. I am getting frustrated and who knows what might happen next. This lack of customer service to help customers was the same reason why a young investor on XXXX killed himself. These companies need to be held acc ountable. Coinbase is initiating the same pattern of no replying to customers. It is a US company and publicly traded company and needs to be looked into. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-22
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 status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: GFS II, LLC
State: OH
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
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 HAVE REQUESTED BY EXPERIAN ON NUMEROUS OCCASIONS A PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CUSTOMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACED ON HOLD FOR INORDINATE AMOUNTS OF TIME.UNDER THE FRAC ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I DEMANDED TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE ON IT. COPIES OF COPIES ARE NOT VALIDATION AND ARE NOT CONSIDERED PROOF THAT YOU HAVE ON FILE. UNDER THE FCRA LAWS UNVERIFIED INVALID ACCOUNTS MUST BE REMOVED. XXXX,, EXPERIAN HAVE NOT GIVEN ME PROOF AS INSTRUCTED. AS A RESULT OF THIS CONTINUOUS REPORTING OF FRAUDULENT UNVERIFIED ACCOUNTS. THIS ACCOUNTS WERE OPEN BY THE THIEF AND NOT ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
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 number:XXXX  Account name : XXXX Account number:XXXX  Account name : XXXX  XXXX Account number:XXXX  Account name : XXXX  Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  has violated my rights. Or 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 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