BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: NV
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been trying for the last 9 months to dispute two fraudulent accounts opened in my name with Discover credit, the keep tell me that they don't show these accounts fraudulent and they can't explain or provide me with proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: NJ
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 XXXX, XXXX Account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX  XXXX account # XXXX, 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 a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: GA
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:
I request for company yo be removed off my credit. I did not give consent to XXXX XXXX. I have confirmed that I did not give them any consent to report. A representative told me to file with credit Bureau. I would like for XXXX to honor the 15 USC 1681b no consent matter as they have not

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-22
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I had someone in a home use my phone to transfer money from my account to Coinbase. I alerted Coinbase. They froze account, This happened back in XX/XX/2019 Here it is the XX/XX/2019 and I still can not enter my account pending an investigation that supposed to be 1 week. I need to transfer money from there to my XXXX XXXX account to cover the XXXX I am in. I had an issue with my job in Pennsylvania and a emergency. This has caused alot of financial hardship! I have lost alot of money since I had my account frozen. I could of reinvested the principal a few times to make a few thousand dollars. So I am going to be contacting a lawyer soon. 

Latest call to ask what was going on with account gave me this case number Case : # XXXX The following are calls Ive made and was given a case number that gets closed and does not resolve me being locked out of account. 

Case # XXXX Case : # XXXX Case # XXXX Case # XXXX Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Tower Loan of Mississippi, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I am not a current customer and have asked Tower Loan on several occasions to remove me from their mailing list but I am still getting offers. Please remove me from your mailing list like you say you have every time I've called with this request.

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 2021-10-16
Company: PNC Bank N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Company has shut down their online chat service, is actively dismissing calls with long wait times, and has no other way of contacting for closure. They have asked that I use XXXX for their customer service, which directs me to the call line, that again, consistently drops calls on their waiting line. I have verified this by checking with their XXXX help line, as others are experiencing the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: EQUIFAX, INC.
State: FL
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:
today i saw on my credit report inquiries that i did not make. This was done due to identity theft. XXXX, XXXX XXXX, 2 XXXX  Inquieries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Ray Klein, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I gave XXXX XXXX County Fire my medical insurance information for an ambulance transport to the hospital in 2018. Everything was settled thru my insurance company XXXX XXXX. I am now receiving harassing letters from Professional Credit Service demanding that I pay them {$200.00}. I do not owe this money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: IN
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 am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI Bank of America ; Im confused and XXXX  and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2019-06-17
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I applied for a Macy 's credit card in store at the register, and I was approve. However, days later, I received a letter stating that I was evaluated ( without my consent ) for a " Macy 's American  Express '' and was not approved. Macy 's without my consent used my information to evaluate my credit for a credit card for which I did not apply for ; creating negative inquiries to my credit score.

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 2023-01-20
Company: Chime Financial Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Around XXXX late XXXX I had XXXX XXXX. I got a XXXX XXXX check issues from my job XXXX ( XXXX XXXX XXXX ) anyways it had to go through the state and through payroll. So long story short I never received my check. So I ended up asking my boss what I should do he said call HR see if it went through so I did and it went through so I looked on the XXXX app to confirm HR wasnt making stuff up. Anyways it was on there with the last four digits of my account number and all that info. Long story short I called chime and they said theyd look into it and basically said the check hasnt cleared. So 24 hours later I call cause my boss said somethings not right so I did. Chime said Ive never used direct deposit with them and I showed them the transaction number from my jobs end and the picture of my pay statement. Chime basically said I hope you get your money soon. So then I ended up using the messaging thing on chime and I got screen shots of them refusing to help me. And I have proof that the money never hit my account. I told them I need my money and HR wont stop bothering me cause they can get in trouble if I dont get my pay. So chime basically told me tough luck. XXXX something dollars. Its been about a month. I said Id give it XXXX weeks but its been to long already. I need my money from chime and I wan na sue them. My employer will send me any additional info you guys need and Ill get all the info I have together of screen shots of me trying to resolve this issue. This is the 2nd time. But now theyre saying I never used there direct deposit? But whats funny for 6 months I have and actually I just got my direct deposit yesterday proving theyre lying on there end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
BECU closed account XX/XX/XXXX and continued to report late payment after account was closed. 
I submitted complaint through CFPB and BECU stopped reporting but did not remove the additional reports. 
complaint ID XXXX As of XX/XX/XXXX BECU started reporting late payment on this closed account AGAIN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CREDENCE RESOURCE MANA You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: EQUITY LOANS LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Equity Prime sold our mortgage to XXXX XXXX with a negative escrow amount that is erroneous and illegal in the state of Texas. 

We are 100 % XXXX property tax exempt from the day our mortgage papers were signed. 

I have called EPM and can get no where as they do not have a single person i can call that is in the United States. 

They admit they charged us over XXXX in taxes and sold the loan with it. Due to their issues we are being charged now XXXX by the new mortgage servicer and being told we have to get the money and or resolution ourselves. We can not do anything and we have tried.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company continues to send " canned '' responses and ask for information that they have been provided with DOZENS of times and refuses to block items that are a CLEAR result of financial exploitation of a vulnerable and XXXX XXXX that was incapacitated at the time of the events. 
I received no monies or services from this fraud and had no way of being aware of it at the time of the fraud. 

The company has been provided all the demographic information and VERY DETAILED explanations of the events over a dozen times, and has been provided FTC reports, CFPB reports, and law enforcement reports but STILL FAIL AS LEGALLY OBLIGATED TO BLOCK THE ITEMS.

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 2023-09-06
Company: EQUIFAX, INC.
State: FL
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 USC 1681.

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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX  Account # XXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. State 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.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FLXXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, XXXX; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: OH
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:
Information on my consumer reports should be 100 % ACCURATE. This company says that they have nothing with an account related to 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 non-monetary relief
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: FL
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:
I am writing to file a formal complaint against [ Credit Reporting Agency Name ] for multiple violations of the Code of Federal Regulations ( CFR ) and the Fair Credit Reporting Act ( FCRA ), specifically regarding the reporting of charged-off accounts and late payments on my credit report. I am requesting enforcement of the CFPB 's authority under 15 U.S. Code 6805 to rectify these violations.

Details of the Complaint : 1. Reporting of Charged-Off Accounts : Experian, Equifax, TransUnion has continued to report charged-off accounts on my credit report. According to the IRS, charged-off accounts are considered income, and they should not be reported as outstanding debts on a consumer 's credit report. This practice is in direct violation of 12 CFR 1016.1, which requires financial institutions to provide consumers with the option to opt out of certain information sharing practices. 
XXXX. Reporting of Late Payments : I have discovered that XXXX, Equifax, XXXX has reported late payments on my credit report. This is a clear violation of 12 CFR 1016.4, which mandates that financial institutions must provide consumers with a clear and conspicuous notice regarding their right to opt out of certain information sharing practices. The FCRA also requires credit reporting agencies to ensure the accuracy of the information they report. The reporting of late payments when no such late payments occurred is a significant breach of this requirement.

3. Failure to Comply with Opt-Out Requests : Despite my efforts to dispute and request the removal of these inaccuracies with [ Credit Reporting Agency Name ], they have failed to comply with my requests, as mandated by 12 CFR 1016.7.

I kindly request that the CFPB investigates these violations and exercises its enforcement authority under 15 U.S. Code 6805 to compel XXXX, Equifax, XXXX to delete these negative adverse accounts from my credit profile. These violations have had a detrimental impact on my creditworthiness and financial well-being. 
Enclosed with this letter are copies of my credit reports reflecting the inaccurate information, as well as any related documentation that supports my complaint. I have made every effort to resolve these issues with XXXX, Equifax, XXXX directly, but my attempts have been unsuccessful. 
I appreciate your prompt attention to this matter and request your assistance in ensuring that [ Credit Reporting Agency Name ] rectifies these violations and upholds its obligations under the law.

Company response to consumer: Closed with explanation