BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
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:
XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX XXXX  XXXX  : {$700.00} {$700.00} {$0.00} Credit Limit : {$500.00} {$500.00} {$500.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in XXXX column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: ZWICKER & ASSOCIATES
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted by XXXX XXXX from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Massachusetts XXXX ( XXXX ) XXXX ext XXXX on XX/XX/XXXX XXXX at XXXX which is my employer telephone number. 

I advised Ms XXXX that she conacted me at my employment number and she should stop contacting me at this number for the XXXX XXXX XXXX. My employer telephone is accessible to other co workers and the phone recorded. 

Ms XXXX contacted again on XX/XX/XXXX at XXXX and left a voice message in regards to debt. 

Ms XXXX contacted the third time on XX/XX/XXXX at XXXX in regards to this same debt at my employment number as tried to collect on this XXXX XXXX XXXX. Advised her again to stop contacting me at my employment telephone in regards to this debt and I will have an attorney contact her. 

My phone is monitored by my employer and all incoming calls are screened for customer effectiveness. I am afraid this call will be listened as a result. 

regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2022-12-20
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:
I submitted a letter to the XXXX Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 explanation
Consumer complaint received 2021-03-31
Company: BBVA FINANCIAL CORPORATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I opened an installment loan on XX/XX/XXXX. I then set up automatic payments. For 3 years, my automatic payments processed successfully. On XX/XX/XXXX, my final payment was due. With no notification to me, BBVA did not process my payment automatically. I was then charged interest until I discovered that the payment had not gone through on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
State: GA
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:
When applying for something in my name in XXXX i got denied. When I was provided a copy of my credit report, i saw things on there that were inaccurate. I sent letters to the credit bureaus back in XXXX and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response from them. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

They are not in compliance and I want/need this issue resolved asap. 
Things on my credit report needs some action taken behind it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am unable to secure housing ( rental ) due to 2019 'eviction ' appearing on TransUnion report. The eviction record does not include the final judgement, dates of filing and settlement, or settlement amount. I was never evicted from the home, I did not give authorization for these court filings to be released and the inaccurate information has caused me to be denied housing for my family.

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 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
1. **42 USC 408** : If TransUnion improperly handled Social Security numbers , such as using them without proper authorization or for purposes not permitted under the law, it could potentially be in violation of this statute.

2. **15 USC 1602** : This is part of the Truth in Lending Act. If TransUnion misrepresented credit terms or failed to provide necessary disclosures, it could be in violation of this statute.

3. **USC 3-104** : This code defines what constitutes a negotiable instrument. It's unclear how this would apply to TransUnion unless there's an issue with a specific financial instrument at play. For example, if TransUnion were to issue a negotiable instrument that doesn't meet the requirements outlined in this statute, it could potentially be in violation.

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 2023-02-13
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have been unable to access my Coinbase account for over 11 days now due to problems with two-factor authentication. It is stuck on using XXXX XXXX as the two-factor authentication. Unfortunately, my old mobile phone stopped working before I could setup Authenticator on my new phone. I learned that there is no way to setup XXXX XXXX on your new phone without having access to your old phone. 

I spoke to Coinbase customer support on XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX. I asked them to switch the two-factor authentication back to using SMS messaging since I have access to my phone number and email account. I sent a picture of myself and my driver 's license which were confirmed. I was told I had XXXX hours to change the two-factor authentication. However, I was unable to change the two-factor authentication from Authenticator to SMS message like customer support said I should be able to do. I was prompted to enter an Authenticator code to switch back to SMS message as my two-factor. After multiple attempts, including while speaking to a representative live on the phone, the same problem kept occurring. I was told there was no way for Coinbase to make the change for me, I could only do it myself. 
On XX/XX/XXXX, I was told that Coinbase actually could change on the two-factor authentication on the backend. I was sent a link to upload a selfie picture while holding a sheet of paper with the date written on it. That was XXXX week ago, and I have not heard back from them. This has not only been frustrating ; however I have also lost confidence that I can access my money in the form of cryptocurrency on this exchange. 
I told them to just switch the two-factor authentication back to SMS. I am tired of excuses and just want access to my account restored. I have attached screen captures from my email inbox showing some of the customer support communication. 
While a significant amount of time and effort has been spent, these efforts have not achieved access to my account to change the two-factor authentication.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX and all of XXXX BestBuy/CBNA keeps reaging a debt even though they sent me a 1099-C and debt cancellation letter agreeing there was a {$0.00} balance and the debt was cancelled through CFPB complaint and in the mail. Now they are adding a balance past due monthly all over again, even past the statute of limitations here in North Carolina, constantly reporting a past due balance of {$2000.00} to my XXXX  report and my XXXX report purposely destroying my credit making it seem like it is a new debt and newly past due every month. They only temporarily fixed it after I first complained with CFPB but then continued these practices on my credit reports once again. This is my second time trying to get help with this company reporting a balance even though they stated to CFPB and myself that they willl report a XXXX  balance and fix that false past due reports years later. I sent them the letter in the mail and a letter stating my issue with no action. I want all the past due removed from my XXXX and XXXX reports as soon as this is received and I want the {$0.00} balance to show on these reports. I shouldn't be charged taxes with a 1099-C then suddenly it is past due even being a very old debt that they promised to remedy assuring a reporting of a {$0.00} balance.

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 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
This complaint is directed at Navient regarding a student loan in repayment. Navient has gotten to the point of harassing myself and my daughter both via email and through phone calls. We each receive at least XXXX communications per day. In XXXX XXXX, a payment plan was setup with them. Over the last XXXX  months payments has been made and I personally sent an email to their customer service with an attachment showing the payments had been made and received by their system including a pending payment for XX/XX/XXXX. They continually call and email to harass us for payments, ignoring my communications as proof of payment. 

Every time my daughter reaches out to speak with them you get a different CSR on the phone who has no idea or record of what has been discussed or the payment plan that was agreed upon so it's like starting from scratch once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received an email alert from Chase Bank on XX/XX/23 that my credit line was decreased, significantly impacting my credit score. I was not given any information other than a phone number to call to discuss the change. On XX/XX/23, I called their customer service line for my credit card and was informed that the change was made on XX/XX/23 and I was outside of my XXXX window to request reconsideration. No physical letter was sent, as was verified by account representative, to my address indicating the XXXX time frame of my rights as a consumer to request reconsideration. The only notification I received was an email and alert in my Chase account app on XX/XX/23. Despite only being notified a little over a month ago, I was told multiple times that I was outside of my XXXX window for reconsideration and I could only request a credit increase. When I requested the credit increase, I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax.com states that I tried to log in too many times and locked my account. I telephoned working with their customer service representative to verify my personal information and asked that mycredir file be unlocked. The CSR asked me to check if a VPN was in effect on my mobile device. There is no VPN on my mobile device in effect. I asked a fraud alert be placed on my credit file with Equifax.com. The CSR placed a fraud alert on the credit file effective one year or until I ask it be removed. 

I reset the password. Still the website is not allowing meto access my credit file Similarly my credit score with XXXX XXXX XXXXXXXX XXXX was dropped some XXXX +points over a less than one week period of time for unsaid reason. I checked my information for my personal checking account with XXXXXXXX XXXXXXXX and it said something like credit ratio to credit charges due imbalanced above XXXX XXXX XXXX 

I have 2 credit cards. The credit card in question I paid thern the entire balancedueof slightlyless than {$200.00} or I remitted {$190.00} last week. I used the card flowing payment and that's thereSon that is written on my XXXX XXXX credit file and then XXXX dropped the credit score to XXXX. 

Equifax I was told the day before yesterday has prevented my being able to get acreditapproval to relocated an apartment from a hotel room where I have bern calling it home now plus 8 yearshere in XXXX XXXX XXXX XXXX XXXX. This is collusion to keep my down this way andu fair treatmentof a customer and client. Simply it is an unfair situation where I played above board fair with both XXXXXXXX XXXX and Equifax com.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: OH
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 letter from XXXX XXXX XXXX stating that a 30 day delinquency on my report is to be removed. I have disputed this item TWICE though their website and given the the letter both times, and they are not only refusing to remove it but also updated the report saying the delinquency has carried into XXXX of 2023. This can not be legal!!

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 2023-03-04
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TRANSWORLD SYSTEMS INC. attempted to collect a debt from me that was not mine. This resulted in a significant hit to my credit score and an unnecessary effort on my part to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: LA
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 have violated my federally protected consumer rights to privacy and confidentiality under USC 1681 XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX, XXXX CARD # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, DPT EDXXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX # XXXX Have violated my rights 15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1681 c ( 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 conviction of crimes which antendates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) Apersonshall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a 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 explanation
Consumer complaint received 2023-06-29
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:
Hi. I got to get passes XXXX XXXX 's organized crime gangs that block me from viewing my real credit report. I am again at the XXXX CA public library surrounded by people angry over me typing this. Meaning they are viewing everything I am doing on my phone and computer. They will have all my personal information. Please do something about these people and this issue. 
Okay So, I've reported before that my ex-wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been using my information, my parents information, my brother who is deceased information and my Son who died information. She is assisted by basically the Mob I mentioned surrounding me and my Brother XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX. 
XXXX isn't even supposed to be in the country do to stabbing me in the arm. It was an agreement she made to avoid criminal prosecution in XX/XX/XXXX. 
She has been terrorizing me along with many gang and political organizations she misuses for person harassment and revenge. 
Recently I seen many many many inquiries, wrong ss #, mispelled my last name, changed information at the social security office such as my Mother 's name, stole my credit and created a XXXX XXXX XXXX XXXX XXXX And obtained tax programs and government grants. 
Also a salesman named XXXX from XXXX 's discount in XXXX CA XXXX. I bought a XXXX XXXX si at the end of XXXX. He scammed me by calling me every few days and saying he messed up and I needed to sign a new contract. It's a scam run by the auto dealership and this salesman. I basically bought 10 cars. 
I'm pushing to get my social security number changed and my ex-wife prosecuted and file a lawsuit against California. 
Please do something immediately

Company response to consumer: Closed with explanation