BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-15
Company: Westlake Services, LLC
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: Their investigation did not fix an error on your report

Complaint:
I have been disputing Westlake financial for a cosign on my ex husband 's vehicle from 4 plus years ago and now they have updated my payments on a closed account that has been resolved they got the car back voluntary return and they sold the vehicle at auction in XX/XX/XXXX for XXXX XXXX. They say I owe XXXX which is not true now then doing that XX/XX/XXXX lowered my score XXXX points .. I have disputed this numerous times and it was supposed to be taken care of along time ago

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I had sent XXXX XXXX from XXXX XXXX to Coinbase Exchange so that I could sell the currency. At the time worth approximately {$10000.00} ( Current value at the time of writing this complaint, {$8500.00} ) My Coinbase wallet address and destination tag were included. The transmission receipt shows that Coinbase received the currency however it was never credited to my Coinbase wallet. I contacted Coinbase XX/XX/XXXX to inform them that my funds hadn't arrived in a timely manner and they told me it would take five days to investigate. Immediately after getting off of the phone, I received and email from Coinbase support stating that it would take four to five weeks for a specialist to review. So I called back and they assured me that they would escalate the case. I have received several automated email messages since, stating that my case is being reviewed by an account specialist. This is still unresolved. 

Transaction XXXX : XXXX XXXX    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-03-22
Company: AMERICAN EXPRESS COMPANY
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:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company, Credence Resource Management is trying to collect a debt that is not owed. Years ago, I had an account with XXXX XXXX. The account has been closed and paid in full. After closing the account, we were hit with Hurricane Harvey and there was a delay in the equipment being returned. Since then, the debt has been cleared up and has a XXXX   balance. This is the 3rd company that has now tried to make me a pay a deb that isn't even valid for XXXX XXXX. Please note that I also was an XXXX XXXX service member when the contract was cancelled and that was the reasoning in cancelling contract. This debt is bogus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-02-18
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been a part of the XXXX program for a long time. I have had XXXX of XXXX payments certified. I have XXXX more that I have yet to certify. In XX/XX/XXXX I was contacted and told that my account is under review based on the changes that President Biden put in place for the XXXX program and that I would qualify for additional months credit. I was then contacted again in XXXX of XXXX and told the same thing. Based on when I was working for a XXXX approved employer, I should already have met my XXXX payments. 

Fedloan Servicing is simply not processing things. They are doing nothing and my account should be updated after over XXXX months of waiting! I am concerned that they will not have this done in the next XXXX months, and then I will have to start repayment of my loans, which should already be forgiven. 

I want Fedloan Servicing to complete the review and update my account with the correct XXXX loan payments that should be approve based on the new standards. I have contacted them on multiple occasions and they have stated that it is in process and they have no idea when accounts will be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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: Reporting company used your report improperly

Complaint:
I asked the credit bureau to do a verification on my credit report which they did. They stated everything on my report was accurate. I did a thorough research myself and found improper inaccuracies on the credit report even after they researched it. 

XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Original creditor In accordance with the Fair Credit Reporting Act XXXX  the accounts has violated my rights. 

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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: JPMORGAN CHASE & CO.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I made a deposit into my business checking account from my main client/employer ; XXXX XXXX XXXX in the amount of {$17000.00}. I received a receipt from the teller stating the full funds would be released and available on XX/XX/2023. On XX/XX/2023 I learned the bank lengthened the hold on funds an additional 8 days ( XX/XX/2023 ). I made payment arrangements for XX/XX/XXXX based on the receipt the bank provided me. 
I called the hold dept of chase bank and they informed me they could verify the check had cleared the makers account and release funds. The representative called US Bank ( XXXX bank ) and US Bank does not provide verification due to their privacy policy.

The rep offered to me a solution to have the maker call US Bank and get a register number.. again US Bank does not comply. 
I walk into chase bank branch where Im told the branch manager has quit and no manager is on duty. The teller made a request for hold release based on me showing evidence the item had cleared US Bank ( copy of the cashed item ). This was declined. The rep on the phone then told me there are various reasons for the continued hold and the funds will not be released. This has cost me significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX Misuse My Personal Info

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 ALL INCORRECT PERSONAL INFOMATION. 

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. 

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 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. I am a victim of 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 2022-03-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
in XXXX with XXXX XXXX Bank I got a {$1200.00} guaranteed card, The bank did not use the XXXX they held to pay off the card. While I was trying to get it resolved 5/3 Bank acquired XXXX XXXX. Again I tried to resolve it when I got a statement saying I owed over {$6000.00}. Eventually I got that number cut in half but then I was told because of the time lapse they no longer had my account information. Long story short I continued to pay, with a final {$360.00} paid on XX/XX/XXXX. 

Nothing, probably can be done for me at this point, but I hope you can help others. 

XXXX XXXX XXXX email : XXXX phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: SC
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 ALL INCORRECT PERSONAL INFOMATION. 

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. 

XXXX XXXX - Incorrect XXXX XXXX XXXX - XXXX XXXX, XXXX, XXXX - Incorrect XXXX - Incorrect XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX 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. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Below is the statement was received : ERC received an account in their office on XX/XX/2017 in the amount of {$240.00} placed for collection by our client, XXXX XXXX XXXX XXXX 

I sent a payment ( {$240.00} ). My last payment was received in ERC office on XX/XX/2017 paid directly to XXXX XXXX XXXX. 

They have been reporting this on my credit report as open since 2017 after payment was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: SYNCHRONY FINANCIAL
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
1. ( Pay pal credit put a unlawful hold on my account ) To whom is concern I rather not take this route but after being played phone tag with and listening to recordings of offers of rebate cards I have to try to get my situation dealt with from a top down to the bottom my problem with PayPal is they're running a transaction through a card that I did not authorize so in doing that sometimes that card is attached to a bank account and if you run that through my bank account it can end up with an overdraft the transaction was over {$600.00}. 
2. I am claiming that Paypal played phone instead of lifting on the account, that is on PP end not the bank.

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 2023-04-24
Company: Experian Information Solutions Inc.
State: TX
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-03-28
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 information incorrect

Complaint:
I would like to file a complaint against this credit bureau for violating my rights under the Fair Credit Reporting Act and for committing an illegal act and thus a violation of the Fair Credit Reporting Act. This credit bureau has re-aged an old account that has been reported on my credit report inaccurately. The name of the account that is been re- aged is XXXX  XXXX XXXX account number XXXX. I called and spoke with an Equifax representative in the dispute department who told me that the XXXX XXXX XXXX account was scheduled to drop off my credit report in XXXX of XXXX and that in the system the account was showing as been 1 year, 3 months and 14 days old. This is despite on an old credit report it is showing that the account was opened in XXXX of XXXX. 
Re- aging of any item on a credit report is ILLEGAL AND VIOLATES THE FAIR CREDIT REPORTING ACT. I am therefore asking this credit bureau XXXX XXXX XXXX XXXX XXXX  from my credit report immediately due to this violation and illegal act. A failure to delete this account from my credit report will see me taking legal action and suing this credit bureau so as to recover damages. This complaint will be used in a court of law should the needs warrant it. 
I have enclosed copies of my credit report showing where the XXXX XXXX XXXX account has been re -aged. Kindly see files attached. Kindly delete XXXX XXXX XXXX from my account immediately or face legal action for re-aging of an account and reporting false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
WAKEFIELD & ASSOCIATES also known as XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX have falsely stated on all 3 Major Credit Reports that a debt of {$880.00} was first opened in XX/XX/XXXX when it was actually opened back in XXXX when I resided at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. To prove this debt is old and outside its statute of limitations I have attached a letter I wrote inXX/XX/2013 I was threatened with eviction because of delinquent rent. I wrote a letter stating when I would vacate the premises so I could avoid an eviction. I have tried to dispute this with the credit bureaus and with the company to no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I was unable to work due to an extreme circumstance, so I got behind. The Capital One rep at the time waived the late fee from XX/XX/XXXX - XX/XX/XXXX and I asked him would that be updated on my credit report because I have a 30-60 late on it. He told me yes. It was never waived and I have tried many times, but no one is being helpful at all and just reading the standard credit reporting script.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-24
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation