BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The only name and address and phone number that should be on my report is ( XXXX XXXX - XXXX XXXX XXXX, XXXX MN XXXX. XXXX ) All other names and addresses variations should be removed. 

Experian, XXXX, XXXX are reporting names and addresses which are completely inaccurate and false.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: TX
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:
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.u.s.u. 1681. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX 
15 u.s.c 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my 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 records of convictions of crimes which antedates the report by than seven years..

15 u.s.c 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for the COVID forbearance by Dovenmuehle in XXXX of XXXX for payments of XX/XX/XXXX to XX/XX/XXXX. The first repayment was supposed to be XX/XX/XXXX with the months of forbearance tacked on to the end of the loan. XXXX came around and I had to call to make a payment. My account had not been updated to reflect my new payments so customer service decided it was best I make the usual payments I was making before the forbearance. I repeated this process from then until now, XX/XX/XXXX. The first 3 months when I called to pay I inquired about the end of my forbearance and I was told each time that underwriting would send me papers with options to sign and send back. I still have yet to receive those papers. Fast forward to today, XX/XX/XXXX, I called to make my same payment and I am unable to get through to anybody to make that payment. I logged on to my online account and I am unable to make any kind of payment. The company, Dovenmuehle, has been keeping me in the dark for a while now and I am not sure what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Coinbase, Inc.
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Description : I have an account with coinbase. I have purchased crypto currency with coinbase. I have been locked out of my account with coinbase since XX/XX/XXXX. I have called and have 5 ticketsrequesting each time to have my account unlocked. I have had no response, no resolution to date XX/XX/XXXX. I did notify coinbase if they did not give this matter there immediate attention last week I would be filing this complaint. I have been hung up on by coinbase customer service reps today XX/XX/XXXX which is what prompted this complaint. 

The issue is during the 2 step verfication I am able to put in my password and receive the text from coinbase. However, during the 2nd step coinbase is to send me an email to confirm to my email address on file. They are failing to do this. 
Thus I can not access my account. I can not even file a complaint with coinbase online because in order to do that you must receive an email to confirm your complaint and I am not receiving any emails from coinbase? I have many other accounts with other exchanges I can tell you this is the worst customer service of all by far. With all other exchanges online you can speak to a representative in a chat, an resolve simple issue like this. Not with coinbase. No one in customer service can and will do anything for you. You can hear people playing in the back round like this is a joke, unprofessional conduct. I am sure if it was there money it would not be so funny. For me this is a very serious matter. Coinbase is a company that represents US and billions in currency now and in the future the customer support and service is a 1 out of 10 because at least someone answers the phone that how they get a 1.This company has way to much money to have such poor training and human resources and customer support. I hope all my crypto is still in my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This started in XX/XX/XXXX not XX/XX/XXXX as reported on credit. I cancelled the XXXX service within the 30 day trial period but XXXX did not close the account until after the period and then wanted to collect. This was in XX/XX/XXXX. The debt has been sold to a debt collection agency and they filed on my credit report in XX/XX/XXXX. I do not owe the money and at worst it should show original date of XX/XX/XXXX and be coming off report soon. Every time another debt collection agency buys the debt, the file date changes. This could last forever for a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I been in contact with the california Check cashing place in XXXX XXXX california due to a signature loan i obtained, i had been paying it until i lost my job. I called them in XX/XX/2018 to let them know of my situation and they refused to defer my payments until a job is obtain, i been trying to work with them and they refused to help. I also been asking for information regarding their interest rate on my loan they said that when loans are behind on payments that the interest accrued is different then those loans that are paid on time. I think is unfair and dont see why i am being penalized differently then any other person who pays their loan on time. My loan is for {$2500.00} and they said payoff is {$4700.00}, i dont see how this fair. I have no copies of loan term and they wont email it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
This is the fourth time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 2023-11-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo would not refund over a XXXX dollars in unauthorized gaming charges that were admittedly taken from my account from an I phone that is not part of my household ( 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 2021-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
This account was open in 2011 so it as well over XXXX years old they are reporting negatively on all three of my credit reports they will not remove the account and each month they keep reporting an extra XXXX some dollars in interest fees they have it marked as a charge off on my credit report which is past seven year mark which is very negatively destroying my credit this is the only thing negative I have on my credit and I would like them to remove it I tried to contact them and they will not remove it I tried to dispute it with the credit bureaus they will not remove it you are my last option please remove it thank 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 explanation
Consumer complaint received 2018-06-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This is a copy of the letter I sent to Chase bank. 

XX/XX/XXXX Dear Chase Bank, I am a customer with Chase bank. I am a victim of a job scam and bank scam. 
I got a job offer from XXXX XXXX XXXX XXXX in XX/XX/2018 which I thought was a genuine company. They said they are an Escrow company. 
I completed my employment registration and was given tasks to make payments to clients involved in escrow. 
The company sent the money into my Chase checking account through XXXX for me to give to the escrow clients. Because I was not required to deposit checks into my account or to spend my money I thought everything was genuine. 
I did not receive any salary or bonus from them. 
On XX/XX/XXXX I found out my Chase checking account was frozen and I called Chase bank who told me someone told them the money deposited into my account was not authorized by them, Chase bank told me the froze the account to conduct their own investigation. Then I realized I was a victim of scam. 

The scammer called Chase bank to make himself or herself the victim and me the culprit to get back all the money they sent. I am the real victim with sleepless nights and my bank account frozen and reported to XXXX. I waited for weeks for the bank investigators to contact me and hear from me, no one contacted me from the bank. This is where Chase bank erred, if they had contacted me to find out my story they would have got to the bottom of finding the culprits before making a decision to revert the payment. 

On XX/XX/XXXX Chase bank reversed the payment to the scammer leaving a very huge deficit in my checking account. Did the scammer tell Chase I stole money from their account even when they paid it themselves. So I filed a claim with Chase bank on XX/XX/XXXX for Chase to look at my evidence and find out the real culprits before they get other victims. I called Chase bank again on XX/XX/XXXX where I was told to submit copies of my evidence to any Chase branch manager in XXXX, Texas. I was able to do so on XX/XX/XXXX. Also see Case Number- XXXX XXXX XXXX where all the evidence to support my claim was provided. 
Hoping the deficit will soon be reversed. 
Thank you for your consideration. 
Truly yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: EQUIFAX, INC.
State: LA
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 contacted all 3 bureaus several times in reference to a child support case on my file and they are still reporting it. It's not mine it's my sons

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: NC
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 is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 2021-01-09
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last year, I wanted to remove PMI, so after contacting my mortgage provider, PNC, and letting them know I intended to do so, I ordered an appraisal through them. They sent me my new home value, and I sent them the $ XXXX necessary to recast the loan after confirming with them that the PMI would be removed. 

This year, I was going through my statements and realised my PMI was never removed! Contacted PNC and they said my home value had not changed. It took months of calls and emails for them to realise they had the new appraisal, but for some reason the new home value was never applied to my account and is now too old to be applied. 

I've been ripped off around $ XXXX so far I believe, and although after some months they connected me with an internal contact who is supposedly trying to help me sort this out, he has been " working on it '' for months already with no solution. They claim that it was my fault for not sending my $ XXXX to a particular department address, but I'm unclear on what that has to do with them forgetting the new value of my home and charging me PMI after the new appraisal. 

They also neglected to make clear that I needed to send any payments to any particular address in their correspondence with me, stating " The best way to make sure your principal payment is applied to the principal, please mail in the payment. '' If they were trying to tell me the ONLY way to do this successfully was to mail it to that address, then they failed to tell me that by using the words " the best way '' or " please mail in the payment ''. They were misleading but maintain that they did nothing wrong by forgetting to apply the appraised value to my home, saying that their departments do not communicate with each other and just because one department knew my home value had been updated did not mean it would apply to my mortgage. That is simply ludicrous It was impossible for me to know which department I was even speaking with as I used the standard customer service messaging centre!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: GA
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 did not authorized these inquiries and they were done in fraud. I have included the identity theft report also. 

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 2020-12-29
Company: Experian Information Solutions 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:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY 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 explanation
Consumer complaint received 2018-10-09
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter to Franklin Collection Service , Inc. about a alleged debt on my credit report and received a vague response today XX/XX/XXXX. I asked for validation of debt from them for an alleged debt they have reported to my credit report. I requested under federal and state law for them to supply to me proper proof that they have the legal right to collect the alleged debt in the form of evidence bearing my signature be provided as required by law. They have not met their obligation to provide proof of alleged debt. Also it is reporting to my report as an open date of XX/XX/XXXX and DLA as XX/XX/XXXX. They are refusing to remove the alleged debt from credit report even though they failed to verify the alleged debt. according to the letter that they sent me where their license numbers for each state they work in they are not licensed in the State of texas to collect debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TO WHOM IT MAY CONCERN, I pull up my credit report today and I have several account that is reporting incorrectly. 
I have XXXX XXXX ACCOUNT # XXXX reporting date last payment XX/XX/XXXX and XXXXXXXX XXXX and Equifax XX/XX/XXXXXXXX 

Per the credit reporting act the account should be accurate across all the bureaus so which one of you guys reporting the correct dates? I know all of you can't be right because the reports are not accurate across the bureaus. 

Another error on this account # XXXX reporting on Equifax as a DEROGATORY, XXXX as PAID, and XXXX as PAID. So, again which one of you guys is reporting the correct report? All of you guys can not be correct because the report is not accurate across the bureaus. 

I need this account to be REMOVED IMMEDIATELY because it is not ACCURATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was paid in full in full on XX/XX/2021 and it should not be on my credit report.

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