BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: GA
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:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 33 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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:
I checked my personal credit report, which I acquired from your organization on TransUnion Report XX/XX/2023 and I noticed that this Inquiries had been made

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 2023-07-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA
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:
Citizens Bank opened a fraudulent line of credit in my name that is negatively affecting my credit score. Apparently, this account should have been for my father, but they somehow got my personal information for it. The account and all contact information is for my parents down in California. I did not know about the account until I ran my credit for a home loan in XXXX. At that time I contacted citizens bank and informed them that I did not open an account with them. The conversation lead me to believe that the issue would be resolved. In XXXX of 2023, I saw that the issue was still not resolved, and the account is still showing on my credit score and causing significant negative impact. I spoke with citizens bank again, this time with my mother on the line who had initiated the contact with them. She explained that this was an error when setting up service where my information was entered instead of my father 's and the liability on the account should be on her and my father. Citizen 's bank again indicated that they would resolve the issue. They did not. I spoke with them a third time today after being put on hold numerous times and disconnected twice. They still have not resolved the issue. They are well aware that I did not open this account and that I should not have any responsibility for it, but refuse to make corrections on their end. 

I do not know what information they entered, I have never received a bill or card, so I can not provide a billing address or card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2019 I mailed out the letter to XXXX  to dispute the XXXX  XXXX bankruptcy off my credit report that was put on in correctly. I wrote a letter to the XXXX XXXX Bankruptcy court XXXX XXXX of XXXX asking how the court provides information to 3rd part agencies regarding credit reports. They sent a letter back stating they do not send any information regarding my bankruptcy. I also have placed a XXXX XXXX freeze on my credit file I received an email on XX/XX/2019 that it would take place in 3 days. I also received a letter stating that the freeze was on my file. I will include all these letter in this as well. I have mailed all this to XXXX and to TransUnion. 
XXXX came back that they have verified with a third party reporting agency XXXX XXXX that the Bankruptcy was correct. There is no way they could have done that when there is a freeze on my account. Also TransUnion has come back that the bankruptcy is a true account. I have include the letters that have sent back to me as well. I have done this same process with XXXX and they have deleted it from my credit file.

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 2023-02-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
We have auto insurance thru USAA. Our policy renewed every 6 months. State of Kentucky charges taxes on the policies. Our XXXX XXXX, XXXX, KY charges 10 % as well. USAA requires us to pay these taxes upfront on the first premium rather than prorated monthly. USAA charges a fee of 15 % of the policy they say, to collect for the XXXX, XXXX, KY. Per state they say that USAA can charge a fee, but was also puzzled as to why taxes wasnt prorated. In prior years they were and I wasnt aware of a fee from USAA. It was only noticed when my bill increased largely and I am to pay {$430.00} next month. ( Taxes are totally up to be over {$300.00} a year ). They ( KY ) checked the numbers to insure the state and local % was correct but was silent with the answer on this question. I personally believe that this problem stems from XXXX not accepting this but rather want upfront. Something that is beyond our control as far as laws ( XXXX ). So the question is ( 1 ) why such a big fee of 15 % by USAA. ( 2 ) Is XXXX, KY the problem? ( 3 ) Is XXXX receiving a portion of this fee ( They made over {$450000.00} for 2021 on premium taxes ) " There is also a collection allowance that may be added to the local insurance tax by the insurer to offset the cost of collecting the tax for the local governments. ( Key words ) This allowance is limited to 15 % of the tax or 2 % of the premium, whichever is less, and it usually appears on the premium notice as part of the local tax. " -Insurance institute of XXXX My son has XXXX, so they do the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 60-30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
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: Investigation took more than 30 days

Complaint:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: 1st Franklin Financial Corporation
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX First Franklin is absolutely the worst place to trust with your finances. We took out a mortgage to fix our home but got in over heads and need to move. My daughter and son in law decided they wanted to purchase the home from us. First Franklin said they arent doing any new loans and there werent options to change it into their names. So we started making extra payments which were suppose to go PRINCIPAL to pay the loan off quicker accept that isnt what they did with them interest and escrow! So contacted them and were told we are six months ahead but when we given the option for the extra escrow money {$320.00} to go to PRINCIPAL now we are only one month ahead I have all my receipts and my financial counselor agrees this isnt right and the company needs to be reported. XXXX XXXX lied to her about not knowing my extra payment were for PRINCIPAL the whole office knows the situation and lied to the VP of the company about posting the payments incorrectly, he knew what he was doing. Simply shameful to take advantage of people who trust you. Never getting a cash payment again, always keep documentation of everything!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to the negative items listed on my credit report. Specifically, I would like to address the following accounts : XXXX XXXX XXXX - Account Number : XXXX I have noticed that you have reported this account as updated, however, the same incorrect information is still being reported and nothing has been updated. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) as inaccurate reporting is not allowed. I would like to bring to your attention that the reported late payments are inaccurate and I request that you remove them from my account as soon as possible. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Account Number : XXXX Similarly, I have noticed that you have reported this account as updated, but again, the same incorrect information is still being reported and nothing has been updated. This is also a violation of the FCRA. I would like to request that you remove the reported late payments from my account as soon as possible. 

I believe that the inaccurate reporting of these late payments is having a negative impact on my credit score and financial well-being. As a consumer, I have the right to accurate credit reporting under the FCRA. Therefore, I kindly request that you take immediate action to rectify this matter and update my credit report accordingly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: MO
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 sent letter to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XXXX, 2022 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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: Account status incorrect

Complaint:
XXXX XXXX Is Reporting Duplicate Acct on My Equifax report i disputed mutli times and they will not remove it here is the company response Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response VIA CFPB PORTAL XX/XX/XXXX Re : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Consumer : XXXX XXXX XXXX CFPB ID : XXXX Dear Sir or Madam : This letter is in response to the above-referenced complaint filed with your office on XX/XX/XXXX. XXXX XXXX obtained his account from XXXX Branch XXXX in XXXX, MO on XX/XX/XXXX, in the amount of {$310.00} and agreed to repay it in ( 6 ) monthly installments of {$52.00} beginning XX/XX/XXXX. The account was assigned as account number XXXX. No payments were received on the account, and it was charged off on XX/XX/XXXX. The account was then internally transferred to XXXX XXXX in XXXX XXXX, MO on XX/XX/XXXX, and assigned account number XXXX. On XX/XX/XXXX, XXXX sold the account to XXXX XXXX XXXX, XXXX. XXXX XXXX was notified of this sale and the contact information for all future communications regarding the account. XXXX XXXX indicated in his complaint that the XXXX account is not reflecting his bankruptcy. The only case for a XXXX XXXX bankruptcy under XXXX XXXX name and social security number is in the XXXX XXXX XXXX Missouri, Petition # : XXXX with a date of file being XX/XX/XXXX. XXXX can find no evidence that XXXX XXXX was under bankruptcy protection during the time XXXX owned his account. Unfortunately, XXXX can only furnish XXXX XXXX account information to the credit reporting agencies up to and including the date when the loan was sold. Any transactions or obligations under state or federal law that allow for protection under bankruptcy after the date of sale need to be addressed with the purchaser of the account. As World is no longer the owner of the account, all communications regarding this account should be directed to : Customer Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX Department ATTACHMENTS XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: EQUIFAX, INC.
State: MS
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:
- Equifax and XXXX are reporting incorrectly that I am 30 90 days past due on the XXXX XXXX XXXX partial account numbers XXXX. ( Please see pages 12 and 13 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 
XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$1400.00} XX/XX/XXXX XXXX XXXX Creditor XXXX XXXX XXXX AT XXXX XX/XX/XXXX {$2200.00XXXX XXXX XXXX XXXXal XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX {$90.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: GA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a copy of my credit report and I have found the following items listed to be in error. Pursuant to 15USC1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I NEVER gave you, XXXX XXXX, Equifax, XXXX, or XXXX, any written instruction to furnish any information on my consumer report which is a violation of 15USC1681b. 

Your agencies have caused severe stress and anxiety due to the abusive and unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
About you Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX City : XXXX State : Florida Zip Code : XXXX Country : USA What happened I was introduced to XXXX XXXX XXXX from my text mesages on phone. She shared her XXXX information and told me about XXXX through coin base wallet defi apps. I deposit small amount into successfull-vip mining pool and saw returns for 1 month. I then deposit {$6500.00} through wire transfer from my bank which is called XXXX XXXX XXXX XXXX. My funds were stolen from my wallet and neither COINBASE OR XXXX XXXX XXXX XXXX are not doing anything to resolve issue. Please call me XXXX : XXXX, XXXX at XXXX XXXX XXXX if i can assist you more. XXXX also my email

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I'm a XXXX XXXX XXXX XXXX XXXX Veteran, for sometime now Wells Fargo has altered records, lied on records, destroyed records, discriminated and committed Fraud. 

They have made false statements, submitted false Credit Reporting information causing me much harm, they have DISCRIMINATED AGAINST ME, VIOLATED MY CIVIL RIGHTS AND MORE. 

There response is to delay, delay and cover up there ongoing fraud. Just today one of there many boiler room offices told me that " Do Not expect to ever get a Honest Answer ''

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: 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:
This is my Follow-up 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 items 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$150.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation