BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XX/XX/2020 I allowed my friend deposit her unemployment back paying my accchecking @, fifth third XXXX XXXX XXXX ind.XXXX I then went and withdrew it XXXX XXXX of her money in cashier XXXX and the remainder of her dep she had owed me were I gave her personal loan of XXXX inXXXX so the other XXXXshe payed that bk to me and the fraud dep said they wasclosen my acc and sending money bk to unemployment stating fraud well there was nofraud but the fraud lied they never sent money bk I called president of bank XXXX and I got letter in XXXX from him stating they closed my acc which was pose be closed in XXXX and XXXX the money was still in my accent just now said closed and haven't give my money bk they never sent no money into unemployment and didn't release it to me and I demand my money there saying I had no money in my acc yes I did I have proof also. XXXX XXXX plz help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Nelnet, 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: Their investigation did not fix an error on your report

Complaint:
XXXX  has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX  was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX .... Balance : {$12000.00} ; XXXX XXXX XXXXXXXX XXXX. Balance : {$220.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-19
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I recently made I Coinbase account weeks ago. And I fully verified my account with my driver 's license from Ohio. And now just recently they made my bank transfers set to XXXX $ when just the other day when it was XXXX $ a day. And there response to that was 'We can not offer you higher purchase limits for your payment methods in your region due to current regulations. We cant guarantee that your limits will be raised in the future, but we will continue working with local governments to improve our customer experience moving forward. ' Email linked to my Coinbase account XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-14
Company: United Student Aid (USA) Funds
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: Their investigation did not fix an error on your report

Complaint:
XXXX has been non-compliant with removing the unverified accountUSA FUNDS which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that USA FUNDS was not established  by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-09-18
Company: DISCOVER BANK
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: Their investigation did not fix an error on your report

Complaint:
I already reached out to the credit bureaus ( XXXX, XXXX, XXXX ) and notified them of their error posting of information on my report. The account balance is in fact wrong. A charge-off should show a XXXX balance. I was never late on these accounts. I have been monitoring my credit report for any changes, but I am yet to see the correction that I asked for and desperately need. I requested to generate a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information was received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: PA
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/XXXX I sent a certified letter to Experian disputing the accuracy of account XXXX  XXXX # XXXX and indicated to them I had no knowledge of this account. I asked for the removal of the account since I did not recognize it. I also disputed the accuracy of account XXXX XXXX # XXXX since it is inaccurately reporting. This account is showing a Date Last Active of XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows a date of XX/XX/XXXX. How can this information be different when it is being provided by the same lender/creditor/collection agency ? Lastly, I disputed the accuracy of account XXXX XXXX # XXXX I asked them for verification that this account was mine and they did not. Additionally, the account is showing a Date Last Active of XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX shows XX/XX/XXXX. This violates the FCRA since all credit reporting agencies must report only accurate and factual information. I ask that all disputed items be removed from my credit file immediately as a result of this violation. Furthermore, I am also attaching my identity theft report which includes the disputed account from XXXX XXXX XXXXXXXX XXXX which is a result of fraud since I did no authorize such account and should be removed from my consumer credit file immediately.

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 2022-10-06
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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: Was not notified of investigation status or results

Complaint:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus transunion, XXXX  and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature.

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 2019-09-11
Company: EQUIFAX, INC.
State: UT
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 # XXXX is paid off and is still reporting a balance on my credit. This was charged off but I have already paid everything and it should no longer be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: Spring Oaks Capital, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX ( XXXX  ) XXXX Springs Oaks Capital Purchased The Debt I Have Submitted A Request To Validate The Debt Showing My Signature on a contract with springs oaks capital I have not received any documentation with my signature on a contract with this company or the company ( XXXX XXXX ) I have filed a dispute with all 3 credit bureau they have not verified the debt I do not consent to XXXX XXXX or any form of automated verification it is damaging my credit report and I demand to see a contract with ( Spring Oaks Capital ) with my signature on it I have contacted this company through mail and filed a dispute they have responded and said they were currently not reporting any account on my credit profile I am sending proof that this is a Lie and also sending proof that they are in fact reporting this account on my credit profile with out providing the proof which is a signature contract with XXXX  ( XXXX  ) or ( Spring Oaks Capital ) they are re aging the account which is also a VIOLATION of my Rights I am going to take legal action if this is not corrected in a timely manner XXXX has removed the account and spring oaks capital has added the account back with out sending me valid proof that the account is accurate. and in order to add it back on my credit profile they have to notify me within ( 5 Days ) this account needs to be removed please be aware that depending upon your response. Failure to validate this debt with the accurate information may result in a small claims action against your company seeking {$1000.00} per violation for : 1. Defamation 2.violations of the fair credit reporting act. I may be detailing any potential issues with your company via An online public press, including documentation of any potential small claims action CC : Consumer financial protection bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX this will be my final time trying to get this account removed failure to do so I will take legal action every document that is attached is proof that this company are lying and are violating my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently spoke to a member at Capital One XXXXemployee id XXXX, who was great to me honesty, he said he would happily remove the listed inquiries from my report and they will be off my report within 24 hours, ,1st inquiry -date XX/XX/ Apllication number-XXXX,, Inquiry number 2- date XXXXapplication number-XXXX for unauthorized and incorrect inquires that NEED TO BE REMOVED INSTABwere not approved by me or made by me .Agent told me he would remove thinquiries with no problem and it would refelct by the calender day, but this, is now month two AND THE NEGATIVE ACCOINTS REMAINS ON MY REPORT EVEVEN AFTER THE CONFIRMATION THAT I PREVIOUSLY REACHED OUT TO CREDITOR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XXXX XXXX I sent out letters to the credit agencies to try to fix my report and nothing was changed. I sent verification as well.

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 2023-06-08
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:
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 need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant XXXX and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2022-04-14
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Lost job, unable to pay, had wreck that was was not my fault, car moved to company, outstanding balance to repair, i didnt have any money, amount on credit report XXXX credit acceptance.

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 2022-07-26
Company: Kikoff Inc.
State: OH
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:
On XX/XX/2022 I received a credit alert that Kikoff Lending Llc opened an account under my name. I've been dealing with identity theft since XX/XX/2022. I contacted two different numbers that were given to me numerous times. One number no one answers and then goes to a voicemail not set up and the other number tells you to go on line to their support. The card opened XX/XX/2022. It had a recent balance of {$22.00} as of XX/XX/2022. 
Credit limit or original amount {$500.00}. High balance {$24.00}, monthly payment {$2.00}, recent payment amount {$2.00}. XX/XX/XXXX I sent them an email stating my complaint to them about a false account. XX/XX/2022 I got a response from XXXX, from Kikoff, wanting personal information to try and resolve this, like full legal name, the lat 4 of my SSN, and my current address. XXXX XXXX I replied I did not trust giving anyone my personal information but would give them the information I received on the alert because I had not received any other information about this except through XXXX. XX/XX/2022 I received an email from XXXX from Kikofff, telling me they couldn't close the account unless I fill out a formal affidavit of identity theft through a secure link. Again, this form wanted personal information so I did not send this form into them. XX/XX/2022 I emailed them again I would like someone to help me close this false account. I asked someone to please call me XXXX, from Kikoff again sent an email requesting me to fill out a formal affidavit of identity theft on their " secure link ''. I did not fill out the form because I didn't trust it. XX/XX/XXXX, I sent another email asking for this false account to be closed. On XX/XX/2022, XXXX XXXX again asked me to file a formal affidavit. On XX/XX/2022 I sent them a police report on their " secure link ''. On XX/XX/2022 I also filed a complaint to the XXXX XXXX XXXX, which also showed Kikoff is not an accredited company. On XX/XX/2022 I received an email telling me " based on the information included in your fraud claim we have determined there is clear and sufficient evidence to remove this tradeline from your account history. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation