BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-06
Company: Experian Information Solutions 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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
This is a complaint with TD Bank in regards to a credit card I have with them. Back in XXXX we missed a payment that was due on XX/XX/XXXX as well as missed a payment that was due on XX/XX/XXXX. We again missed a payment on XX/XX/XXXX but paid the next day on XX/XX/XXXX. So according to my calculations, we were only ever 61 days late for a payment, which is the largest lapse in payment on our TD credit card account. When we called to make the payment on XX/XX/XXXX, the person on the phone informed us of a program called the Re-age program that would help us catch up on our past due balance which was over {$600.00} at that point. We were told that we could split up the payment to {$200.00} a month for 3 months which was the duration of the Re-Age program. Once those 3 months were up, we would go back to making the minimum payment due. Our issue is, we were told over the phone that our new payment due date under the Re-Age program was now going to be on the XXXX of the month for the next 3 months. So, XXXX, XXXX and XX/XX/XXXX. The problem is, they never noted this on our account and we didn't realize that they still had our payment due date listed as the XXXX of the month. We didn't realize this until we checked XXXX XXXX and saw that TD had listed us as delinquent payments for months and months, completely destroying our credit score. We've called TD bank numerous times since we discovered our credit score and not only has our credit score been affected but we were charged late fees erroneously. The frustrating part is, they have no records in their system that this new payment date of the XXXX was discussed, which it was. TD claimed that they would launch an investigation to go over recorded phone calls that we've had with them since XX/XX/2020 to prove that what we are saying is factual. I've repeatedly been calling TD to check on the status of this investigation and it appears every time that no investigation has been launched. If all calls are recorded as they say they are, there would be numerous call where this new payment date of the XXXX is referenced, At this point, TD has done absolutely nothing to correct this and it's affecting us trying to by a house because of the hit our credit score has taken due to TD incorrectly reporting us month after month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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:
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. XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX BANK XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}, XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$180.00}, and XXXX XXXX BANK XXXX Date Opened XX/XX/XXXX XXXX : {$0.00}. Also these inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX BANK XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: EQUIFAX, INC.
State: SC
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:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-03-07
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have had an account with chime for years. I have used strictly for personal transactions, direct deposits from work, and day to day banking. 

On XX/XX/XXXX I was told my account would be closed but was given no information or reason. I suspect it is due to a recent dispute I initiated. I dont believe this is a violation of any type. I believe my financial institution should be able to advocate for me in instances where I have been wrongly charged, not refunded, or did not receive a service or item I purchased. 

I reached out to ask for a reason for the closure and to inform them that my dispute has not been resolved and I would appreciate a resolution before any account closure. I received no response. 

I think my account was wrongfully closed and Chime has been unable to point out any policy violations I committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair credit Reporting Act the list of accounts below has been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  account XXXX XXXX 15 USC 1681section 602 A, States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions 15 USC 1681 ( a ) ( I ) 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 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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
This is a cybercrime involving stolen identity and financial theft - amount not fully determined yet because we can not get a response from Coinbase about whether my funds were stolen. Coinbase has been the most unresponsive of all my crypto account custodian companies. 

Details/chronological summary 1. XXXX SIM card theft- on XX/XX/2021, about XXXX, XXXX assisted a hacker to take control of my SIM card and disable my phone. The hacker then proceeded to make password changes on my email and several of my crypto currency accounts. The hacker then used Coinbase to request withdrawals of {$150000.00} from a linked bank account at XXXX XXXX. I attempted to use my phone but was frozen out because of the sim swap. I borrowed my parent 's phone and contacted XXXX  to get back control of phone. We suspect possible inside job at XXXX  since I was later told that their internal notes said it was unauthorized user who called in the change of my SIM card. We have tried numerous times, but have been completely unsuccessful trying to get hold of XXXX 's fraud department and they have not pursued any investigation to my knowledge. 

2. Coinbase- I have tried everything to follow up and resolve the issue with Coinbase . 
I have attempted to do everything they said in their robot responses to no avail. After almost a full month of filing support tickets and requests to find out whether the funds in my account have been stolen, I still have not received a response. Coinbase support tickets continuosly say they have blocked the account, without telling me if there are any funds remaining. Also Coinbase is continuing to allow the hacker to try to draw funds from my linked XXXX XXXX XXXX  accounts- three attempts in four weeks for {$50000.00} each. I have no clarity from Coinbase that my {$35000.00} of investment in cryptos is still there, nor do I have any reason to believe the account is secured or frozen. 

3. XXXX XXXX- I notified XXXX XXXX to have freeze my accounts there. 

4. On XX/XX/XXXX, I called in a police report immediately after the attack but have not been able to get a copy of the police report online. 

5. FBI- On XX/XX/2021, I submitted a fraud claim to the FBI cyber crime unit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a insurance check for {$8600.00} into my personal checking account that was made out to me and the mortgage company. The back of the check had the endorsement from both mortgage company and myself. However the following day my account was frozen without explanation. I only was informed after my debit card was declined while trying to purchase gas. I was told by local chase branch manager to call loss prevention. After several conversations I was told they needed to verify funds even though check was drawn on chase account owned by insurance company. I provided the check verification phone number and contacted my insurance company who said check had already cleared. I called chase loss prevention back and was instructed they needed to speak with signer from my mortgage company on a verified phone number. I gave them corporate number and his extension and they called and said account should be unrestricted within the hour. I called one hr later and was told account still restricted and they apologized and stated the phone number they called for verification was delisted and verification was invalid for mortgage company signer. They are refusing to unrestrict my account and refuse to release my insurance proceeds to fix my roof

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Capio Partners, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information your company obtained to see if it's legit. I never authorized anyone to share my information especially when it's regarding my medical information so please send me validation and send by attaching them to your response. please note that I don't a verification but a validation containing the information listed in the letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-13
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Department Resurgent Capital Services L.P Dear XXXX, Having reviewed all of the documents provided to me regarding this alleged debt, I am afraid that you are committing fraud. 

You are violating the code of Federal Regulations 12 CFR 1006.30 ( e ) Prohibited Practices. By Furnishing certain deceptive forms.

A debt collector must not design, compile, and furnish any form that the debt collector knows would be used to cause a consumer falsely to believe that a person other than the consumer 's creditor is participating in collecting or attempting to collect a debt that the consumer allegedly owes to the creditor.

This fraudulent bill statement that you have designed and furnished to me does not reflect accurate nor true information on my behalf.

Upon reviewing the monthly statements from the alleged original creditor, this also has shown fraudulent information on my behalf, My name is not XXXX XXXX XXXX XXXX. 
Nor any of the addresses belong or have any attachments to my person. 

Furthermore, as the information that you provided is fraudulent and deceptive, this does not validate this alleged debt. Pursuant to 12 CFR 1006.34 Notice for validation of debts. Please be advised that I am requesting VALIDATION not VERIFICATION. I Am requesting a copy of the original contract, and or documents bearing my signature, payment history and all proper disclosures with the original creditor. 

Furthermore, I am afraid that you have committed an infringement upon my consumers right to privacy pursuant to 15 usc 1692, as I never contracted with you, LVNV Funding LLC, and Resurgent Capital Services L.P . I, XXXX XXXX XXXX never gave you, LVNV Funding LLC , and Resurgent Capital Services any oral permission or written permission to contact me or have any of my private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I need to know who to speak to about an old Citi account I opened a while ago and if I owe anything on it I would like to build a relationship back with this 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 2023-02-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I am writing to express my concern and frustration about your credit reporting agency reporting information about me without my consent. I believe that this action is a violation of my consumer rights and is contrary to the provisions of the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, credit reporting agencies are required to obtain written consent from individuals before collecting and reporting their personal information. However, I did not provide any such consent to your agency, and yet you still reported information about me to third parties. 

Furthermore, the FCRA requires credit reporting agencies to ensure that the information they report is accurate and up-to-date. However, I have reason to believe that some of the information you reported about me is inaccurate and may have negatively affected my creditworthiness.

I demand that you cease reporting any further information about me without my written consent. I also request that you investigate any inaccurate information that you have reported and correct it immediately. Failure to do so would be a violation of my consumer rights and could result in legal action. 

I hope that you will take this matter seriously and take the necessary steps to rectify any harm that has been done to my credit reputation. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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: Their investigation did not fix an error on your report

Complaint:
I have a credit card with XXXX XXXX XXXXXXXX. I had taken a cash advance in XXXX which I paid off in XXXX. I actually overpaid and had a negative balance on the account for several months. XXXX XXXX XXXX erroneously and fraudulently reported that I was 30 and 60 days late in XXXX and XXXX despite having a negative balance during that time ( the bank owed me money! ) and closed my account. I have credit card statements from Bank XXXX XXXX verifying all this. I tried contacting XXXX XXXX XXXX to reverse it but they haven't taken any meaningful action and just move me from one branch to another. I spoke to them several times. I contacted all 3 credit bureaus and sent them a copy of all my bank statements showing no balance!! They still haven't corrected it and just said that this is what the bank is reporting. Even in the credit bureaus ( XXXX, XXXX, Transunion ) reports they have {$0.00} balance for those months. I don't believe they reviewed the bank statements and did a serious investigation. Please help me with this. You can review the rest of my credit history and it is impeccable. I have never had a late payment in the last 10 years probably. I watch my credit very carefully. 

I'm gon na attach a copy of all my bank statements from XXXX XXXXXXXX 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