BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
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: Personal information incorrect

Complaint:
STOP EQUIFAX FROM RUINING MY LIFE! 

Yesterday ( XXXX XXXX ), I received an email from Equifax that my address had been changed. Currently, my Equifax account is " frozen '' due to recent identity theft but since the change was merely from " XXXX XXXX '' to XXXX XXXX XXXX '' I assumed that this was to comply with the USPS and was insignificant. 

Today ( XX/XX/2023 ), I received another email from Equifax stating that my address had been changed again. Today, my address was changed to an old address ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NC XXXX XXXX where I had not lived for 3 years. During that 3 year period, I had obtained mortgages and therefore my Equifax record was appropriately updated with my correct address. My current address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX. 

WHY DOES EQUIFAX CHANGE MY PERSONAL INFORMATION WITHOUT ANY VERIFICATION WITH ME? EQUIFAX HAD MY CORRECT ADDRESS WHICH MATCHES WITH ALL OF MY OTHER FINANCIAL RECORDS. 

I signed onto my Equifax account however I am currently " blocked '' from disputing this change of address! The Equifax phone system is impossible to use and I can not even reach a person to speak to about this issue. My past experience has been that if you are able to reach a representative, they are not in the U.S., speak poor English and are of no assistance. 

I AM FURIOUS. 

Three years ago, Equifax did a similar thing. My date of birth was suddenly changed on my Equifax record, making me more than XXXX XXXX XXXX! I did not make that change - Equifax did this and without any verification. I then had to spend numerous hours and provide complete documentation, including copies of my birth certificate and passport, that prove that I was not born 90 years ago. 

HOW AM I SUPPORT TO ADDRESS THIS CURRENT PROBLEM WHEN I CAN NOT EVEN DISPUTE THE ISSUE? 

Furthermore, when is CFPB going to actually do something to correct this ongoing abuse of consumers by Equifax and the other two credit reporting agencies?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I submitted my reinvestigation request to all 3 credit bureaus on numerous occasions with proper identification required and have also requested that they block fraudulent inaccurate, erroneous, or misleading information in my credit files. I also provided my FTC report for the fraudulent accounts reporting on my credit profile and the only correspondence I receive is that I did not provide proper documents This is a stalling method that these bureaus continue to use in order not to process my request for a re-investigation. My rights are being violated at this point and I feel that they are i in compliance with the FCRA. This type of behavior needs to cease immediately and do what is right for the 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 explanation
Consumer complaint received 2022-11-18
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for a XXXX XXXX. Thats what it said I was applying for. Instead I was sent another XXXX card. It is obviously a bait and switch.

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 2023-07-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
We bank with BMO Harris, particularly the branch in XXXX, IL. On XX/XX/2023, I went to the gas station to buy gas and I discovered that my card declined several times even though I knew that I had {$800.00} on it. I called the bank, and they told me I have to contact the fraud department. I tried for two weeks to speak with a guy named XXXX XXXX, but it seemed as if he was ignoring me every single time I went. I went to the bank at different hours during the day, and there was always some type of excuse - he's on lunch break, he just left, he's not here today. I left him plenty of voicemails and he didn't reply to any of them until XX/XX/2023 informing me that he closed the accounts and stole all the money. I received a letter regarding my account that I received a check deposit for {$3400.00} on XX/XX/2023. A company named XXXX XXXX XXXX XXXX in XXXX, FL tried to deposit this check in my account and the bank accused me of fraudulent transactions. The return reason was - " not sufficient funds. '' I don't know where this check came from and why someone tried to deposit it in my account. On XX/XX/2023, XXXX actually called back claiming that there was another deposit made except for {$6500.00} this time. Meanwhile, I received NO proof of this happening and I could not see these transactions on the mobile app. On XX/XX/XXXX, XXXX called back and said he had to close the account because there were, again, " not sufficient funds '' after the second fraudulent transaction It needs to be said that I am on two accounts, and they froze and later closed both without giving me the money that was on there that was mine, which is almost {$3000.00}. If the bank FDIC insured, why is my money not protected? Because of this problem, I wasn't able to pay for the mortgage and assessment in XXXX and XXXX. This was money I lived on, I wasn't able to buy food either for me or my daughter. This bank put me in jeopardy and this reflects on my credit score. Please look into this, thank you.

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: Experian Information Solutions 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: Account status incorrect

Complaint:
I am filing this dispute regarding XXXX, Experian, and XXXX Credit Bureaus from XX/XX/2022. I submitted substantial documentations that all Credit Accounts on my account as PIF with proof of payments for each with a 1099C. The accounts were never resolved and after exhausting all other resources, I have been forced to complain against these agencies again. 

I also filed a complaint with your agency and never received a response or a resolution so this is also my second attempt with your agency. 

I wish for this to be resolved asap as it has caused substantial harm to myself as well as my potential in obtaining more credit with better rates/contracts. 

I have also requested all eroneous information regarding inquiries/wrong address information be removed or updated. Requests were not honored causing further harm to me per my inability to obtain more credit with better rates/contracts.

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 2021-07-09
Company: Terrill Outsourcing Group
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/21 at XXXX am XXXX XXXX of Superlative RM contacted regarding a collection account. I advised Mr. XXXX since this is his first time contacting me that I was uncomfortable verifying my information. First, he only mentioned the name of the company but asked for me to verify last 4 of ssn, address, and date of birth. Stating to him that I needed to know who he was with and the matter he became aggressive with his tone and stated he already told me Superlative RM. Upon him giving the type of account I asked that he provide me via mail a verification of debt. In an aggressive tone he stated I had already gotten this information and he would send via email. I advised no email to send to and he cut me off mid sentence. Stated that this is not the first time I have been contacted regarding this account and he would tell the lender that I am uncooperative and threatened next course of action. I advised Mr. XXXX that I am at work and can not talk at the moment. He became irrate and said since this matter isn't important to me he would proceed with the next actions. Throughout the conversation I asked why was he continuing to cut me off mid sentence and threatening next action when this is his first time contacting me. After being overtalked for so long I asked for a supervisor. I advised him that I was at work and provided an alternate phone number. This company representatives continued to talk when I clearly stated I could not talk. Very aggressive and threatens next action when you ask for their credentials and verification of a debt prior to paying. This is my right as a consumer and in todays society it would be foolish to provide any personal information to complete strangers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
During XX/XX/2022 a XXXX transaction was attempted and blocked in the amount of over {$3000.00}. The record of the transaction was removed from my account. 

On XX/XX/2022, an unauthorized transfer was made in the amount of {$1900.00} was made. As a result, after reporting the fraud Bank of America froze my account and opened a new account. 

Subsequent to closing my account numerous checks bounced as well as scheduled electronic transfer were blocked too. 

Bank of America said it would take up to 120 days to resolve to the issue.

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 2023-02-28
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase froze and then deleted my account without reason. 

They stated I could withdraw my funds, but I had a significant amount of XXXX staked, which could not be withdrawn. XXXX had to be converted to ETH in order to withdraw. I had approx XXXX XXXX staked on Coinbase ( I can not remember the exact number ). They said they would convert it to XXXX for me. 

On XXXX XX/XX/2023, they converted XXXX XXXX to XXXX. The rest of the XXXX went completely missing. They wrote " Please be informed that we are on the process of converting your stucked XXXX balance to regular ETH in order for you to cash it out and complete the account closure process. '' On XXXX XX/XX/2023, after having several phone calls, a XXXX  thread " Coinbase Account Deleted - Can not Withdraw XXXX '', and numerous emails, they sent me XXXX. The rest of that XXXX is completely gone. 

Moreover, even the funds I have on Coinbase that are accurate ( XXXX ) I can not withdraw as it says : " To send this balance off-site, please add funds before attempting a withdrawal. Alternatively, you may forfeit funds to complete the account closure process now. Obviously I can not add funds because my account has been cancelled! 

Coinbase replies to my XXXX thread obviously as it looks good publicly, and then takes either no action or the wrong action to follow up. My funds have essentially vanished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: TX
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 XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX**, XXXX # 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 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 2023-11-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
I recently reviewed my credit report and found unauthorized inquiries.

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code $ 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
" XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) in general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 explanation
Consumer complaint received 2022-06-16
Company: DISCOVER BANK
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been with Discover Bank since 2016. 

In 4 months time, I have had 3 unauthorized charges in my savings account. My credit cards have also been compromised. Most recently, I had a charge of XXXX I did not make. I insisted Discover change the account number as this had happened more than once. I assumed this was the end of it, but Discover reversed the credit without explanation. 

During the initial call to Discover, I learned that someone had made the XXXX XXXXransfer from the account using a name similar to mine, but with a different initial. I believe XXXX XXXX? I did not note it down at the time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 non-monetary relief
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-11-18
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are UN-VERIFIED. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. I have yet to have received the requested Original Contract, Original Creditor Information, Payment History or Proof of Ownership. There have been several SSN and addresses listed on my credit report that are not mine, this account is linked to one of those fraudulent accounts that has since been investigated and removed from my report. Despite the Fraud alert and update on my credit report, this creditor is still holding inaccurate information on my report.

It is my understanding that under the FCRA 15 U.S.C. 1681i, every single one, even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: EQUIFAX, INC.
State: MI
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:
Please help as this situation has really plagued my life for the worst. These malicious bureaus must be held accountable for all the wrongs that they place onto the american public. I will trust you take this formal complaint seriously and enforce these acts to the fullest extent of the LAW. On XX/XX/XXXX I sent a letter regarding inaccurate and unverifiable and misleading accounts on my consumers report. To this exact date over sixty days later i have not yet received a timely response yet. I feel as if i am being taken advantage of as a consumer of this great country and my disputes are being ignored. Section 611 ( a ) it is plainly stated that a failure to investigate these items within thirty days gives a legitimate reason to IMMEDIATLY delete and remove these items from my consumers report. It has been over sixty days so these should be deleted PROMPTLY. I demand these accounts be deleted immediately or i will be forced to file litigation due to the stress this misleading reporting has caused me. My information and personal information was also affected by Equifax Data Breach that took place in XXXX and may have gotten into the wrong hands. I AM THE PERSON WHO WROTE THIS COMPLAINT AND ONLY ME. PLEASE DONT RESPOND SAYING OTHERWISE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Since the app was updated a few days ago, im not being abble to access to my online banking because is asking my SSN, Im not XXXX XXXX  and resident so I dont have SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 XXXX XXXX XXXX XXXX XXXX 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 TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Bureau Code : Individual Individual Individual Account Status : Open Open Open

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 2022-11-18
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After multiple attempts to have this matter resolved with the debt collector, I am starting to believe this is out of malice.

On page 80 of the attachment you can clearly see the last 4 digits of the account number is different from the account which is falsely accused of being mines.

I will include the evidence as an attachment.

Its labeled as Resurgent Harassment documents. 

To add this company is now including my middle name when originally my middle name was not included. 


The letter that was sent stating my account is a valid account. Is regards to account number ending with XXXX. 

The fraudulent account ends with XXXX

Company response to consumer: Closed with explanation