BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: CA
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 writing to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report from Experian and noticed a credit inquiry that I did not authorize. This inquiry was performed on XX/XX/2023. 

I contacted XXXX XXXX XXXX regarding the unauthorized inquiry and requested that they remove the inquiry from my credit profile. 

At this time, I am requesting that you launch an investigation into the inquiry by XXXX XXXX XXXX to determine who authorized it. 

If you find that the inquiry is valid, please send me proof along with a description of your investigation procedures within 15 days of the closure of this dispute. 

If not, please remove this from my credit report and send an updated copy of my credit report via e-mail or to the mailing address listed above. 

XXXX XXXX XXXX Experian Member ID : 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 2021-09-16
Company: Experian Information Solutions Inc.
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:
This reporting does not belong to me. Wrong report on my credit report history

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 2022-05-17
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:
These are the following ACCOUNTS and INQUIRIES, XXXX XXXX ( XXXX ), XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I haven't checked my credit report in a long time, I went to the bank to get a home loan and they informed me about these accounts and inquiries. I don't know who could have done this, this is identity theft and a nightmare.

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the numerous attempts I have made to rectify the issue of fraudulent items on my credit report associated with your institution.

Over the course of the past, I have diligently followed the prescribed procedures outlined by your organization for disputing fraudulent items on my credit report. Despite my repeated efforts, these fraudulent entries persist, causing significant distress and concern for my financial well-being.

I have attached copies of the documentation supporting my claims, including but not limited to fraud alert requests, dispute letters, and any other relevant communication. This includes reference numbers, dates of communication, and any pertinent evidence that may aid in the expeditious resolution of this matter. 

It is disheartening to experience such difficulty in removing fraudulent items from my credit report, especially given the potential negative impact on my creditworthiness. I understand the importance of accurate reporting and the potential consequences of fraudulent entries on my financial profile.

I implore you to conduct a thorough and urgent investigation into this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I request a comprehensive explanation of the circumstances that have led to the persistent presence of these fraudulent entries and assurance that steps will be taken to prevent their recurrence in the future.

If this matter is not resolved promptly and to my satisfaction, I may have no choice but to escalate my complaint to relevant regulatory bodies and seek legal counsel to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
These inquiries are fraudulent and not associated with me. I have no knowledge of them. Please take immediate action to address and remove them from my credit report. Supporting documents have been attached for your reference.

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 2023-09-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My car was repoed in early XXXX while preparing to leave for XXXX training abroad. No court issue issued.Federal law requires banks to get a court order before repossessing a car from members of the military. 

Car was taken, leaving family members without transportation to medical facilities and or groceries.

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 2022-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
3. I arrived in XXXX XXXX XX/XX/22 after 20 hours of travel and took a cab operated by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX the apartment at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX that I rented through XXXX XXXX & XXXX, a distance of XXXX ( XXXX miles ). 

4. The driver asked XXXX XXXX XXXX ( approximately $ XXXX XXXX to take the toll road and said that he required my Capital One credit card to pay for the charge for the taxi. After attempting the transaction, the representative for the vendor, XXXX XXXX said the transaction did not go through. However, I later discovered that he fraudulently charged charge of {$5000.00} US dollars. 

5. The request for the payment for the toll road by credit card was a ruse to get my credit card and obviously he lied about the transaction failing to go through, charging my Capital One credit card {$5000.00} US dollars for a XXXX ( XXXX mile ) taxi ride. 

6. I did not receive a receipt for the failed transaction or for the supposed fee for the toll road that I paid for in cash. None was offered. 

7. I did not sign anything to confirm the fraudulent credit card transaction or acknowledge that the transaction was valid in any other way.

8. I requested that Capital One reverse the fraudulent credit card charge of {$5000.00} US dollars for a XXXX ( XXXX mile ) taxi ride as it is obviously a fraudulent transaction. Capital One has refused to reverse the disputed charge, saying that I need a receipt for the taxi ride in order for them to dispute the charge with the taxi company. 

9. I attempted to contact the merchant to resolve this directly, but there is no listing or phone number or any other contact information for XXXX that I can find on the Internet. 

10. This is in reference to Capital One Case Number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-01-24
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Nelnet , Inc., my private loan servicer, has recently informed me on XX/XX/XXXX that I have been reported to the national credit reporting agencies for delinquency. According to Nelnet, I am 90 days past due on my account. 

I have had every intent to pay, and have called in to the Nelnet customer support line on a recorded conversation to pay. XX/XX/XXXX I spoke directly with a representative and told them to pull the funds from my last form of payment on file. They confirmed and submitted the payment. I had also done this on XX/XX/XXXX, and XX/XX/XXXX of XXXX. I was not informed, however, that they were using a previously decommissioned bank account, which has not been in service for XXXX years at least. I was also not informed that my payments were bouncing, and only told that they were delinquent. 

As of today, XX/XX/XXXX, I have paid up to current with Nelnet and I want to contest this negative credit report because I have made numerous attempts to pay and was not informed that the representative was using a bad account. I've also tried to remove the old bank account from my file, but was told by Nelnet that they were unable to do so. This could lead to future issues if a representative erroneously uses the account. Please help me clear this delinquent credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX  XX/XX/23, I received a text message at XXXX XXXX from Chase asking if I had made purchases at a XXXX and XXXX XXXX in XXXX, TX using my debit card. I had not as I reside in NY, and replied " No '' to the text message. I immediately received a call from someone claiming to be XXXX XXXX from Chase. During this call, he walked me through the fraudulent charges, and then mentioned a wire transfer for {$19000.00} to a XXXX XXXX account. I told him it was not me who initiated this. 
After this call, I received a fraud notification text message from XXXX noting the {$19000.00} wire transfer to a XXXX XXXX account. {$15000.00} was moved from my Chase savings account to my Chase checking account, then a {$19000.00} wire transfer was made to the XXXX XXXX account. I immediately called the Chase fraud department to report the wire transfer. They took all of the information about the previous text message and call and filed a claim. 
On XXXX  XX/XX/23, I went into a Chase branch at XXXX to discuss the fraud with a XXXX XXXX XXXX. I met with XXXX XXXX of the XXXX XXXX XXXX XXXX, XXXX XXXX, NY branch. He helped change both my checking and savings account numbers and confirmed the fraud claim. He recommended filing a police report, which I did that same evening at the XXXX XXXX Police Department 's First Precinct. 
On XXXX  XX/XX/23, I received a letter to my Chase account denying the fraud claim. The message read " We are denying your claim because we determined that the item ( s ) being disputed were authorized or you received benefit from the item ( s ). We will not reimburse your account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I sent XXXX Of my HEX coins to my Coin base account from my XXXX mask account ( valued close to {$23000.00} on that date ). Coin base received my coins  and the transaction was successful. Transaction ID : ( XXXX ) The Coins/funds was never credited to my coin base account. 
I reached out to coin base customer service to find out why my HEX coins ( or their value ) were not in credited to my coin base account, I got back from coin base customer service stated that HEX coins are not used in coin base. So, I sent another email to Coin base  customer service to resend the HEX coin back to my XXXX XXXX XXXX since the transaction was done/ completed and the HEX coins are in their platform and out of my XXXX XXXX XXXX, but they never did giving me the same story as HEX coins  are not used in their platform. 
I filed a compliance compliant with coin base and the answer was the same as their customer service. 

I would like to file a complaint about their business practices and in the way they are maliciously and fraudulently holding my HEX coins and how I am not able to get them credited on my coin base account or refund them back to my XXXX XXXX XXXX 
COIN BASE is publicly traded company, and they need to stay away from shady practices and keeping investors monies as hostages. The bottom line I am not able to get Coin base to credit my account or refund my HEX coins/ money, please help. 

Kind regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 learned that the FCRA 605 requires credit bureaus to ban and erase any items that are discovered to have been opened as a result of identity theft. Once more, it seems that my credit with you has been damaged. The items being reported are giving me a lot of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following are the things that CREDIT BUREAUS has to get rid of : XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XXXX XX/XX/2023.

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 2022-11-22
Company: Experian Information Solutions Inc.
State: CT
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 bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 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 2022-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Capitol One - An application was open for a credit card, which i did not do. 

XXXX  XXXX ( Credit card ) - all personal account information on account was changes. received another notice of an authorized user was approved on this account. Criminal also made purchases prior to me closing out the account XXXX  - all personal account information was changed, and new card issued out to address, which I did not do. 

XXXX XXXX  ( Credit card ) - all personal account information was changed, and new card issued out to address, which I did not do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
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: Information belongs to someone else

Complaint:
I am writing to express my deep frustration with the ongoing issue of fraudulent accounts and inquiries on my credit report, despite my repeated efforts to have them removed. As you are aware, I have been disputing this fraudulent accounts for over 9 months now and they remain on my credit report. This situation has taken a significant toll on my mental health and well-being and has reached my breaking point. 

I have provided all of the necessary documentation and have followed all of the procedures required for resolving this matter, yet the information remains. The emotional stress and financial strain and burden of this situation has been overwhelming and I can no longer endure it. 

I am now seeking litigation and I believe that I am entitled to compensation for the time and effort I have put into resolving this issue, as well as for the damage it has caused in my life. I am confident that I have a strong case and I am fully prepared to pursue all legal avenues to obtain justice in this matter. 

I hope that you will take my request seriously and work with me to finally resolve this issue once and for all. I am eager to move on with my life and put this matter behind me, and I believe that the only way to do so is by having these fraudulent items off my report. 

I have incorrect personal information and incorrect and duplicate inquires on my credit report that have not been 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 non-monetary relief
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: MO
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 my 11th 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 alleged fraud or extortion. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation