BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-23
Company: Experian Information Solutions 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 Report Act XXXX, Account : 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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
After reviewing my credit file, I am writing to dispute the incorrect account in XXXX, and TransUnion. 

XXXXXXXX XXXX XXXX XXXX  XXXX Court : US BKPT CT XXXX  XXXX TransUnion XXXX XXXX XXXX XXXX  Court : U.S. Bankruptcy Court

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 2021-07-05
Company: USCB, 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: Account information incorrect

Complaint:
USCB America has reported I owe them for ( 5 ) Unauthorized charges of {$69.00}, {$270.00}, {$200.00}, {$51.00}, and {$67.00}. These charges were never authorized. Please help me to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Approx XX/XX/2023 applied for a Citibank Checking account in winch I had to go through rigorous identity verification to open, In which I successful completed, About 2 weeks from opening the account when several transfers we set from me and my partners old accounts, this new checking account with CITI WAS LOCKED AN UNABLE TO USE, ONCE AGAIN, I WENT THROUGH ANOTHER IDENTITY VERIFICATION from their fraud and loss prevention dept. I did ALL THAT THEY ASKED yet I still to this day have not been cleared nor heard from them. I keep calling them almost every day and they keep giving me the run around and they are holding up all my Money over {$2500.00}

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 2021-10-29
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Synovus Bank
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
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: Was not notified of investigation status or results

Complaint:
I recently received an alert from Experian telling me that my score has gone down by almost 40 points. I was really concerned that something bad had shown up on my credit so I carefully reviewed all the account details ... unfortunately what I found was really disappointing ... Experian removed 3 of my positive student loans from my credit report for no reason. I did not dispute these accounts, there was nothing negative about the accounts ( no late payments etc. ) and I did not request any kind of review but Experian decided to just remove them from my report. These items happened to have a lot of credit history and this is the only thing that has changed on my credit file. I don't know why Experian removed these accounts but I want them put back on my credit report so that my score goes back up to what it was before they were removed. I am trying to get approved for an apartment but this change in my credit score is going to totally prevent me from being approved since my score has gone down so much.

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 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I provide several letters, police report, and signed affidavit stating that this account in not mine. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. Despite three written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. Under the FCRA XXXX provided no copies of the original documentation on file to verify that this information is mine and is correct. They stated an electronic application was conducted and they provide credit card statements which does not validate debts, especially when the account was established fraudulently. I requested a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), which they failed to do. Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

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 2023-10-19
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/23 someone gained access to my trading account and transferred {$2500.00} from my bank account to the trading account. Then they purchased {$2500.00} of XXXX 

Then they tried to transfer another {$2500.00} to the XXXX account, but I had locked my bank account. Coinbase however, also assumed the XXXX transfer was legit, and allowed the account to purchase another {$2500.00} of crypto. 

After the 1st transfer and before the 2nd, I figured out that the money in Coinbase was from a transfer from my checking account. Initially I didn't know that there was a fraudulent transfer and purchase of XXXX 

My bank didn't notify me of unusual activity, and my email account was also compromised, and a filter had been setup where all the notifications from Coinbase were diverted to trash automatically before I saw them. 

It had been a long time since I used the trading account, and just assumed that I had left open trades. I sold the crypto, and tried to transfer the money back to my account. 

At some point during this process I informed Coinbase of the fraudulent activity and froze the account. 

After I tried to transfer my money back to my account, coinbase informed me that I had to wait XXXX hours before transferring the money. No problem. At this time I assumed the ordeal was over, and the money stolen from my account, which I needed to pay bills at the end of the month would be back in my account for me to pay the things I needed to. 

Then I received a notification that I would need to wait a week. 

Then I received a notification that in order to unfreeze my account I had to prove my identity to coinbase. I went through the process. I emailed my drivers license, and completed the identity process. 

I assumed all was still OK, and that I would have the money back to pay the bills I needed at the end of the month. 

Then coinbase informed me I would have to wait 30 days to get my money. I called them to explain that I needed the money to pay my bills at the end of the month, and was then informed that I would need to wait 60 days before I could get my money. 

The explanation given was that I had to wait 60 days because they couldn't be sure that I was who I said I was, and that they were afraid of more fraudulent activity. 

This is not a valid reason to hold my money. I have already proved my identity, and nothing will change in the next 60 days. It seems to be some arbitrary hold to punish me. I will not be able to prove my identity any further no matter how long we wait. 

Now the end of this month is coming, and I need this money to pay my bills. 

The email address used for the coinbase account is XXXX I want to get my money out of the coinbase account, transfer it back to my checking account and close the coinbase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX,XX/XX/XXXX XX/XX/XXXX and BK OF AMER add a hard inquiries on my credit reports. The report does not include information about the creditors. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by 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 2020-12-16
Company: EQUIFAX, INC.
State: MD
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 received a copy of my credit report and found the following errors and violations : Equifax is reporting XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX or XXXX. XXXX XXXX, XXXX XXXX, MO XXXX. This is in violation of 20 Federally Protected Consumer Rights Violations Under 15 USC 1692 and Violation of HIPPA. In pursuant to 15 USC 1681a ( 3 ) violated the restriction on sharing of medical information. I pursuant to 6802a XXXX XXXX may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information. In pursuant to 15 USC 1692e ( 3 ) False or misleading representation. Also, this is a violation of my HIPPA rights. I am allowed under the HIPPA Law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records form third ( 3 ) parties. I do not recall giving permission to release medical information on your consumer reporting agency website. Please provide a copy of my signature with the XXXX to release my medical information to consumer reporting agencies. Immediately remove and cease any medical information from the consumer reporting agencies website. This account is paid in full. This corresponding was sent via certified mail. See the attached copy of my credit report, the violations has be highlighted in the 20 Exhibits. By the provisions of the Fair Credit Reporting Act, I demand that my medical information be investigated and removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX an fraudulent account was opened without my knowledge. I didn't notice account until reviewing my consumer report XXXX XXXX i believe my idenity was stolen ad compromised by close relatives.

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 2023-01-24
Company: Experian Information Solutions Inc.
State: WI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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.

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 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 2020-12-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My credit report for Experian has wrong social security and I would like it corrected. I have requested Experian correct my credit report to no avail and according to the Fair Debt Collect act Experian has a duty to report correct information to credit granters and Experian was made aware of this matter 8 months ago and have yet to correct the matter.

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 2023-10-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I fell behind on my mortgage payments in XXXX  due to many issues impacting my marriage and my finances. I put the house up for sale, then sold the house in XX/XX/2019. My broker and title company satisfied the outstanding amount on my loan to XXXX and XXXX. Since XXXX  I have been trying to rent and now I am trying to purchase a new house and the credit reporting agencies have my mortgage listed as charged off. In addition to that the mortgage company did not return my escrow payment to me, they sent it to the state of pennsylvania. I have been suffering trying to live a decent quality of life due to this. I have forwarded the closing documentation from my broker and title company to the old mortgage company XXXX, XXXX lending and they refuse to correct and update my records nor my credit reporting information. I have sent faxes to them at XXXX requesting updated information and I attached recording documentation proving I paid the mortgage off. My current potential mortgage adviser is impacted because they want to show that the mortgage was paid off and I can't do that because of the erroneous reporting from the old mortgage company. In addition to that my potential future interest rate has more than doubled due to this error. I am no longer seen as a responsible borrower to creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I am very unhappy with Wells Fargo service, in ALL departments. I tried Wells Fargo a few times, but all end up badly. 

Firstly trying Wells Fargo back in XXXX with mortgage, end up with very bad experience - spent time for the mortgage, paid all the fees, and DID NOT get the house at the end.

Second time was opening a bank account with Wells just to help my bank friend to hit aggressive goal few years ago ( before it was getting to the news and being fined because of the fake-account scandal ) - again, bad experience. 

And this time, try again with Wells Fargo credit card last year. Called Wells Fargo today to get a replacement credit card, was told my credit card account was closed for no reason by Wells Fargo. 
All credit card reward associated with the credit card account are gone as well and the rep told me there is no way to retrieve without reopening the same credit card account. When I open the card, it did not state that the bank will close your card anytime without giving you a chance to redeem your point! 

Wells Fargo Internet banking is really outdated and it is super hard to rest the password without having the actual card - unable to reset password via email or text message associated with my Wells Fargo profile in XXXX. I was unable to check my statement or doing anything using internet banking and this is the only way I do my banking. 

The only thing I hope now is getting my reward back, and I hope Wells Fargo can get this right this time. Please contact me via email or call XXXX if there is any question.

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 2023-08-06
Company: EQUIFAX, INC.
State: GA
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 reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for and one account with one-hundred and eighty, on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) ( XXXX XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: GOLDMAN SACHS BANK USA
State: GA
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:
This account is validated as mine However, this account incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Please delete this account for violation because date last of active has been illegally re-aged and shows three different dates across XXXX, XXXX, XXXX. Please remove this account because the creditor failed to notify consumer of dispute and did not update that they actually performed and investigation. Please remove this account immediately This account is incorrectly reporting that I still owe a balance. On my XXXX report from XX/XX/XXXX the balance due on this account is {$0.00}. XXXX REPORTED ACCOUNT MEETS FCRA REQUIREMENT EVENTHOUGH CHARGE OFF HAS A BALANCEXXXX XXXX has lates on a charge off account. XXXX HAS LATES ON A CHARGE OFF ACCOUNT PLEASE REMOVE THESE ACCOUNTS THIS ACCOUNT HAS BEEN ILLEGALLY REAGED AND THE BALANCE HAS CHANGED FROM XXXX TO XXXX WHEN THE BALANCE SHOULD BE XXXX IF ITS A CHAGRE OFF ACCOUNT. THE CREDITOR REPORTED XXXX BALANCE FOR XXXX AND XXXX  IN XX/XX/XXXX THEN UPDATED THE BALANCE TO XXXX AND IS damaging MY SCORE AFTER I ALREADY DISPUTED THIS ACCOUNT AND REQUEST THE BALANCE TO BE XXXX XXXX FAILED TO UPDATE THE STATUS OF THE investigation ON XX/XX/XXXX XXXX CONTINUED TO REPORT COLLECTIONS EVERY MONTH SINCE XX/XX/XXXX ON MY REPORT ADN REAGED, MY ACCOUNT ILLEGALLY

Company response to consumer: Closed with explanation