BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-09
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:
At the time of the identity XXXX gain access I believe all my personal information including my Social Security number was used to open up accounts without my permission and my authorization I hope by submitting this report it would help put a stop to this issue from Ever occurring

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11
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 am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Have sent a list of deputies to Experian, over 18 past and present dating from XXXX I did not authorize them and they failed to provide accurate information, and a removal of XXXX XXXXXXXX truck status is not accurate. 

No action was taken by company and has impacted my financial stable ability to get a home for my family. I am seeking compensation.

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : WXXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX ACCOUNT # : 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 2022-02-11
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
An unknown individual that lives at XXXX XXXX XXXX XXXX in XXXX CA XXXX on space # XXXX has used my social security to get an installment loan from XXXX on XX/XX/XXXX and XXXX canceled it on XX/XX/XXXX after the unknown individual had stolen {$5400.00}. I noticed of this theft today after signing up for XXXX to check my credit score. I also noticed another highly impactful Revolving credit card that was NOT taken out by me from citicards Cbna for {$1400.00} on XX/XX/XXXX, these are two out of fifteen loan/credit cards this unknown individual stole from these companies under my social. These actions have impacted my credit score to sink. Every loan after XXXX on my credit score was a fraud, the only credit cards I have ever taken out myself were XXXX XXXX on XX/XX/XXXX and from my job XXXX on XX/XX/XXXX. Everything after XXXX was NOT me I would like help with this crime committed on my credit please!

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 2022-02-11
Company: USCB, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
An unknown individual that lives at XXXX XXXX XXXX XXXX in XXXX CA XXXX on space # XXXX has used my social security to get an installment loan from XXXX on XX/XX/XXXX and XXXX canceled it on XX/XX/XXXX after the unknown individual had stolen {$5400.00}. I noticed of this theft today after signing up for XXXX to check my credit score. I also noticed another highly impactful XXXX credit card that was NOT taken out by me from XXXX XXXX for {$1400.00} on XX/XX/XXXX, these are two out of fifteen loan/credit cards this unknown individual stole from these companies under my social. These actions have impacted my credit score to sink. Every loan after XXXX on my credit score was a fraud, the only credit cards I have ever taken out myself were XXXX XXXX on XX/XX/XXXX and from my job XXXX on XX/XX/XXXX. Everything after XXXX was NOT me I would like help with this crime committed on my credit please!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have been severely financially impacted as a result of Coinbase refusing to return the {$30000.00} XXXX tokens to me. On several occasions I have shared my frustration with Coinbase customer service only to be denied my request for a refund. They convey XXXX empathy or compassion for my situation for such a large organization. Coinbase has the ability to return the {$30000.00} which is currently sitting in XXXX. I've even offered to pay a fee for the return only to be once again denied.I am very disappointed in Coinbase 's response to the inquiry which will only discourage other customers from conducting business with them including myself. Unfortunately, I'm not the only victim for a case like this as many other people have experienced the same problem with XXXX resolution from Coinbase. It breaks my XXXX that I don't have this money as it was going to be used for a downpayment on a house for my family. Now we're stuck in this tiny apartment until we can build up enough funds to purchase a home. Please help me as we have all suffered from this misfortune from Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On the morning of XX/XX/XXXX, of XXXX I had a bicycle accident that required me visiting XXXX XXXX and XXXX XXXX in XXXX, TX. As expected there was extensive medical bills associated with my injuries. I took out a Loan at my Bank and also arranged for payment plans for the Bills that were too large to manage directly and paid the others that were smaller. I made my final payment to XXXX XX/XX/XXXX and all accounts were settled. 


However, XXXX of XXXX I noticed a massive decrease on my credit score and after doing some research I found that Capio Partners address XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX phone XXXX fax XXXX had listed a negative item on my credit. I managed to get in contact with Capio who insisted I has a balance due in relation to XXXX XXXX in XXXX, TX. Although I suspect I was paying this debt twice I paid the amount of {$320.00} on XXXX XXXX just to get the negative item removed. 

Fast forward to XX/XX/XXXX I received a letter from AssetCareLLC also in XXXX, TX stating I owe a balance to XXXXXXXX XXXX  in XXXX, TX. This time I disputed via email on Tue, XX/XX/XXXX at XXXX XXXX providing proof that I have paid the account by showing my credit card receipt with CapioPartners as the payee. 

XXXX XXXX I managed to get back in touch with Capio Partners and have retained further written proof stating " Your account identified above has been settled in full. '' in relation to XXXX XXXX. However, AssetCare LLC insists that I still owe on this account and I'm certain there is something very unethical going on between Capio Partners, AssetCareLLC and XXXX XXXX as they seems to be charging tactics to coherse people into paying off a balance multiple times. 

As of XX/XX/XXXX I signed up to XXXX XXXX XXXX to hopefully shield myself from AssetCareLLC making false claims against my credit. While I don't need or want the added expense I'm hoping they will be able to get the item removed quickly if it comes to that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Called XXXX XXXX credit card fraud dept. reported that I never applied for a credit card. They said they would close the card. Talked to XXXXXXXX XXXX fraud dept. XXXX told me 2 credit cards were taken out in my name. With the correct name, address and social security #. However it was missing my middle name, in which I always use. all of this took plavce the week of XX/XX/XXXX. I also had a bank account open with the same information in XX/XX/XXXX with Wells Fargo. They wouldn't confirm or deny if they were the leak of my information. The reason I think that they are responsible for the breach is because in XXXX we opened a bank account with Wells Fargo and realized 2 days later are information was used to try and get a loan with Wells Fargo and wasn't on our credit score? That was a red flag. We closed the Wells Fargo account that day. It never showed up on our credit score so we thought it was someone trying to trick us and we stopped it. However I am not sure anymore. I'm scared that my social security # has been stolen and I could loose so much of my credit because of that ID theft.

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 2022-02-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2022-02-10
Company: Credova Holdings Inc
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In response to XXXX XXXX XXXX statement on XX/XX/XXXX. According to the contract uploaded by XXXX XXXX, the address used to open the account is not my current address. The contract lists XXXX XXXX XXXX XXXX, XXXX, FL XXXX as the address for the account with an IP address of XXXX. I have lived at my current address since XXXX. I have attached a copy of my Electric bill from XXXX showing my address. Therefore, this information is inaccurate and XXXX has failed to notify each consumer reporting agencies of this inaccurate information. Furthermore, the contract was electronically signed therefore it does not contain a valid signature which is a sign of possible identity theft. A letter was sent to XXXX XXXX XXXX on XX/XX/XXXX which was received and signed on XX/XX/XXXX. The letter requested information that was used to obtained the loan. According to the Fairs Credit Report Act and Debt Protect Act, the furnisher is required to provide me with any and all information used to open the account if provided an Identity Theft Report. XXXX has yet to comply with the request as well as a cease and desist request. A letter has also been sent to Credova, the company XXXX stated on their last CFPB response which was assigned to them. A final letter will be sent on XX/XX/XXXX ( 30 days after receipt of first letter ). If the furnisher does not comply I will take legal action against XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I have XXXX private student loans which have been included in many lawsuits for private loan forgiveness as the school has been convicted of fraudulent activities, misleading students, and providing a subpar education. By these actions and through the lawsuits that have taken place over the last 3 years, these loans qualify as such that should be XXXX under the ruling from the judge. The Navientagsettlement.com provides more details, however a {$200.00} check does not resolve the fraud from the loan company, or the fraud commited by the schools.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been sending dispute letters asking for these egregious accounts from XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.

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 2022-11-15
Company: Universal Account Servicing, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The weekend of XXXX XXXX I participated in a weekend of classes at the XXXX XXXX XXXX ( XXXX ) in XXXX Illinois. I signed up for additional training at a total cost of {$15000.00} ( financed ) with a {$4000.00} deposit that was to be financed through a third party ( XXXX XXXX XXXX ) at the time I signed up I was not told the contract with this third party had a 3 day right of recessions I would have not signed a with such harsh terms for education. The Tuesday after I made the commitment, I had a family emergency and was unable to participate in the initial introduction call. I spoke with XXXX XXXX who was my POC contact with XXXX explaining that right now this will not be a good time due to my family and new unforeseen financial obligations. He advised that I should contact the third party ( XXXX ) for any recourse, upon contact the 3rd party on XX/XX/XXXX, XXXX I was given a case number # XXXX and told that someone would be in contact with me about what steps I could take to pay for the time I had been in the program although I had not completed any of the courses. 
The next communication I received from XXXX was a notification that my bill was due via text message. I immediately reached out to XXXX and was informed that my 3 days right of recession had passed and they do not offer any refunds. He put me in contact with XXXX XXXX who works as a liaison between XXXX and XXXX who informed that I did not have any recourse all he could do was downgrade my amount owed to {$12000.00} and if payment is not made, I will be locked out of the XXXX system after 30days delinquency and sent to collection This seems to me to be predatory in nature. To be forced to pay for services not rendered I don't think I should be obligated to pay this contact in totality. I did give a deposit but to force to pay {$15000.00} for service that will cause unjust financial hardship on my family does not seem to be fair to any consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation