BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: Atlanticus Services Corporation
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
i had a XXXX balance Fortiva credit card from wayfair. 
I received an alert from XXXX that my credit score had decreased XXXX points due to Fortiva closing my account. They then opened a Fortiva Retail Credit Mastercard under my name without my permission or signature. so i got hit on my credit with closing and opening a new account. Which was a decrease on all 3 bureaus for something that i did not do or even authorize. I contacted Fortiva as i did not give authorization for any of this and asked to see where i signed to do this. Their response to me was that they had emailed me on XX/XX/23 and i had an option to opt out until XXXX, because their was no response and i did not opt out ( BECAUSE I WAS NEVER EMAILED ) They closed one and opened another one. How is this legal th=at they can do this to someones credit? I have included our email correspondence below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Another email was received from Chase ( see attached ) saying, " Thanks for requesting a new credit card. '' I did not request a card from Chase. Because Chase had a fraudulent application in my name in XX/XX/2023, I called to see if this was another attempt. On XX/XX/2023 the application team stated there were no applications under my SSN or name. On XX/XX/2023, Chase fraud team also stated that there were no applications under my SSN or name. I asked why I would have gotten the email thanking me for an application and was told it was probably a phishing email with fraudulent links. I have checked the links and it does not appear to be a phishing attempt but appears to be from Chase. With the fraudulent application in XXXX, Chase kept sending " thanks for applying '' emails every time I called them. It appears Chase has a problem with their system. I submitted XXXX reports to CFPB, XXXX for the fraudulent application and XXXX for the problem with the " thanks for applying '' emails. The XXXX email came from XXXX. There were XXXX links in the email 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. I am sending these for Chase to determine if they are phishing or to confirm that Chase is sending these emails so they can correct the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: EQUIFAX, 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:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX. Please delete this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
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:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX ( Original creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX and XXXX XXXX XXXX. Please remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: PA
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:
Hello, my name is XXXX XXXX XXXX, and 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
Consumer complaint received 2023-08-04
Company: EQUIFAX, 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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a few hard Inquiries on my Credit that Im not aware of such as : 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 Wells Fargo 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 explanation
Consumer complaint received 2023-08-04
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:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: NCB Management Services Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is a NCB account # XXXX on my account ( Original Creditor XXXX XXXX XXXX XXXX ) This account is not mine, this account belongs to my father ( whom we share the same name ) and is joint with my mother and him. 

I have no ties with this account. 
This should not have been disputed to my account. 

Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't 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 719XXXX has me at a score around 590. 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 n 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 XXXXThis 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 XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX & XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/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 2021-03-03
Company: JPMORGAN CHASE & CO.
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, JPMCB CARD Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Coinbase, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
After My {$23000.00} from my initial XXXX Currency transaction disappeared on XXXX XXXX and I called the support line at Coinbase which locked my account, I received a call from a supposed Coinbase support person. he was going to help me verify my ID and reconnect my Coinbase account. Most of Coinbase support is run online through XXXX and it is replete with scammers and terrible support response. After a couple weeks of trying to get my identification verified and the account reconnected it was finally reconnected and the support person was supposed to put {$33000.00} back in my account to reimburse my funds and account for the increase in value. I also agreed to put in another {$20000.00}. When the account was finally back up, the funds that initially disappeared were not there and all of the additional funds disappeared as well. Somebody sent the money out of my account in XXXX  currency transactions that I did not initiate. currency. Coinbase email support which I contacted on XX/XX/XXXX only contacted me back about my lost money on XXXX XXXX for the first time, but this was after all my assets were gone from my account and my balance was XXXX . Coinbase support is not only not responsive they are accusatory of customers. I have seen thousands of additional case like mine after delving into it. One case in late XX/XX/2021 where a customer from Florida had {$500000.00} stolen from his account. I believe this is being done by insiders or with the help of employees, because I like most other customers have XXXX on all my devices and email systems and could not be hacked that easily without inside access information. This company has been having this problem and complaints for years from customer and nothing is being done while it prepares to do a mega IPO and enrich executives by tens of billions of dollars. The operation MUST be shut down until this problem of stealing customer 's money from their trust accounts is resolved. Banks would not be allowed to operate with this problem, neither should Coinbase.

This is a Coinbase software and computer hack along with possible employee customer support Scam. This is happening all over the world and these companies/ exchanges should not be allowed to operate until they have a regulated form of customer support that deals with the multiple layers of fraud that is happening internally and externally that is wiping out customers accounts while executives profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: SYNCHRONY FINANCIAL
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I totaled my vehicle finance through synchrony bank back in XXXX. Synchrony bank has giving me a problem with paperwork for insurance company since XXXX. I have gotten 60 days late payment. All because their system is over the phone only they dont take my bank debit card for payments. Its been a headache since I purchase the vehicle last XX/XX/2022. I talk to one nice gentleman that got it all done in 2 business days. After it has ruined my credit. Im so heartbroken. I worked so hard for my credit. They will not even get the credit bureaus to take it off nor will they take off all the late charges.

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 2023-01-03
Company: Experian Information Solutions Inc.
State: LA
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:
This account belongs to my twin sister. XXXX XXXX. I have been trying to get this situation under control because its stopping me from being able to purchase a home due to her information being on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
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:
On XX/XX/XXXX, I deposited {$29.00} in CASH to cover my ACH debit for LIFE INSURANCE POLICIES in the amount of {$28.00}. On XX/XX/XXXX my " personal checking account '' showed a balance of - {$0.00}. On XX/XX/XXXX, there was an added {$34.00} for NSF fee 's assessed to my " personal checking account ''. I am DISPUTING, CHASE BANKS ongoing unlawful practices of discrimination and " UNFAIR DEBT COLLECTION PRACTICES! '' that have absolutely NOTHING to do with me, my " personal finances '', my " personal CASH deposits '' or my " personal checking account ''. ALL SUPPORTIVE DOCUMENTATION WILL BE FAXED TO THE CFPB ( ALL PERSONAL INFORMATION SUBMITTED FOR THIS COMPLAINT IS FOR THE CFPB ), NOT FOR THE BANK 'S USE!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: PRESTIGE FINANCIAL SERVICES INC
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Prestige Financial is contacting me and harassing me many times a day. They use threatening language and scare tactics even though I have asked them to stop threatening me. I have asked multiple times to change the payment due date by 15 days so I can make the payment every month on time, yet they refuse to help in any way. The payment is nearly {$730.00} a month and it is incredibly difficult to make yet we havent missed a payment. Currently we are 15 days late and they will not stop threatening and harassing me. I feel powerless bullied and frustrated. I have told them 6 times through email text and phone calls that I could pay tomorrow ( 15 days late ) yet the still bombard me with their threats. No one should be treated the way they are treating me and I am hoping you can help me with their terrible behavior. Their debt collection behavior is wrong and needs stopped immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I initiated an online ACH transfer from my account at [ Navy federal credit union ] to an XXXX XXXX Bank account. The purpose was purchase of a horse.for the price of XXXX $ However, it became apparent that the receiving account was fraudulent. I promptly reported the fraud to my bank, Navy federal credit union which conducted an investigation confirming the fraudulent nature of the transfer. Regrettably, XXXX XXXX Bank has denied my claim, leaving me with significant financial losses and distress. I am now demanding compensation for the full amount of the fraudulent transfer and Ive been asked by XXXX XXXX XXXX bank to appeal this decision through my Navy Federal which petition was denied and Im left alone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: NJ
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 am submitting this as a follow up complaint to XXXX and Equifax. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the entitlement to accurate and current credit information, and I anticipate that my rights will be upheld. I have already made numerous attempts to have these inquiries removed over the past few months, but they persist on my credit file. Once more, I kindly request the immediate removal of the following inquiries from my XXXX and Equifax credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
My name is XXXX XXXX I do NOT have a middle initial the credit agency has my name listed with a XXXX  for a middle initial. That is false information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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:
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. 

XXXX XXXX : XXXX : {$980.00}

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