BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-25
Company: TD BANK US HOLDING COMPANY
State: TX
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:
XX/XX/2023 - XXXX  documented a " HARD INQUIRY '' from : " NORDSTROM/TD BANK USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' XX/XX/2023 thru XX/XX/2023 - My PHONE, EMAIL, FINANCIAL INSTITUTIONS '' ( 3 ) were compromised resulting loss of cell phone use. XXXX bank froze my account due to suspicious attempts for a credit card, XXXX XXXX recv 'd 5 credit card charges, on 2 different credit cards, each charge was approx {$4800.00} and totaling approx {$25000.00} ). The charger 's ID is : " XXXX XXXX # XXXX XXXXXXXX XXXX '' on bank statement. On XX/XX/2023 I am a cosigner for my sister at XXXX  XXXXXXXX XXXX, and her debit card was charged approx {$4800.00}. Specifically, there were charges for {$4600.00} and {$4800.00} ). 
My brother and sister are on my XXXX XXXX phone plan, and we are all receiving security codes ( approx 20 as of today ) whenever fraudster attempts to access our phone account and XXXX XXXX sends a verification code. 
Actions taken : I have ordered new phone and sim card from XXXX XXXX, I have replaced XXXX XXXX XXXX, I canceled all credit/debit cards and requested new ones, and changed all checking/savings accounts numbers, and filed claims on the credit card charges. I have changed all passwords, pins, security questions. I have requested credit report, placed a freeze/fraud alert on XXXX, XXXX and XXXX. NOTE : Only XXXX showed the Hard Inquiry from Nordstrom! I contacted NORDSTROM TD BANK, and they said a credit card application had been filed and approved, and their fraud dept would be notified. NOTE : When XXXX canceled my existing card and reissued a new one, they sent the card information to me via a secure email, and within hours, the new card had fraudulent charges on it ... which is how I knew my email had been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17
Company: EQUIFAX, INC.
State: NJ
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 disputed the items on my equifax account and they didnt update or fix the negative hard inquiries on my report the information they have on there is inaccurate and I disputed them a few times and they still wont update it the billing addresses for them are wrong and they were paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I sent out my initial contact to XXXX XXXX, who were harassing me in order to settle a collection placed on my consumer report by National Credit Adjusters. This contact demanded a cease-and-desist order as well as debt validation.These were dated with a return receipt ( documents attached ). 

XX/XX/XXXX XXXX XXXX sent me a response regarding the debt validation letter but not the cease and desist letter. 

After reviewing thier response and their unlawful practices during contact, I sent out an affidavit of truth with exhibits, on XX/XX/XXXX, to both XXXX XXXX and National Credit Adjusters ( attached below ) that revealed 40 violations of the Fair Debt Collection Practice Act 15 USC 1692. Their violations wasted my time, negatively impacted my reputation, and caused mental anguish, I requested a remedy. 

I received notification in XXXX that mail sent directly to the National Credit Adjusters address was not deliverable. Dated XX/XX/XXXX ( document attached ) .This was the exact address given to me in the mail they sent me. I have yet to have this problem resolved by XXXX XXXX XXXX or National Credit Adjusters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Complaint against XXXX XXXX XXXXXXXX. Claim number XXXX and XXXX Against XXXX XXXXXXXX XXXX Customer Advocate XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX This is his email. 

Against NJ banking and Insurance XXXX XXXX XXXX DOBI ) on XX/XX/XXXX. XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Her email is XXXX XXXX Coinbase support case number XXXX on XX/XX/XXXX. XXXX from Coinbase Customer complaint officer ( XXXX ) have responded back to me that he also got a complain letter from NJ Banking and insurance and will resolve the issues directly with DOBI and he closed a case on me. 


Dear Sir or Madam : I am a victim of fraud from Coinbase wherein my money was taken by Coinbase through a wire transfer from XXXX XXXX XXXX. Money was sent from my XXXX XXXX  XXXX personal checking account. 

On XX/XX/XXXX for {$55000.00} On XX/XX/XXXX for {$25000.00} On XX/XX/XXXX for {$50000.00} Total of {$130000.00} I initially filed a fraud complaint against XXXX XXXXXXXX XXXX with the New Jersey Department of Banking and Insurance. Upon investigation by the NJ Division, it was proven by XXXX XXXX XXXX that MY MONEY WAS TRANSFERRED BY WIRE TO COINBASE. I also have proof to show that Coinbase has received the funds. 
However, I have requested Coinbase to return my funds and Coinbase is fraudulently holding my monies and is refusing to return the amount of {$130000.00} deposited by a wire transfer. The funds were wired : My account is with XXXX XXXX XXXXXXXX. From XXXX XXXX XXXXXXXX, I transferred the funds to XXXX XXXXXXXX XXXX which holds the funds for Coinbase. In sum, I am a victim of fraud either from XXXX XXXX XXXX or Coinbase or the XXXX XXXXXXXX XXXX ; they are playing the blame game with me and I am getting nowhere. I respectfully urge a full investigation of the fraud which is being perpetrated upon me in this matter. I can be reached at XXXX XXXX XXXX. Please feel free to contact me if you need any further information. Thank you for your help and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
After over XXXX counts of identity theft, I discovered that Clarity Services , Inc. was disclosing inaccurate consumer information about me to other consumer reporting agencies and/or business entities. I contacted Clarity on numerous occasions requesting this information be corrected and/or removed. In addition, I requested my complete consumer file disclosure and the sources of information found upon my consumer report. I also identified three items of information and requested the sources of that information. After spending over {$500.00}, I was directed to make a written request to the XXXX of XXXX. That written request was received by Clarity on approximately XX/XX/2022. I have still not received the requested information.

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 2020-11-11
Company: Experian Information Solutions 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:
My name is XXXX XXXX and I am a victim of identity theft. I am sending this so that i may have the fraudulent accounts removed from my Experian credit report.

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 2022-09-17
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. USDOEXXXX Account no : XXXXXXXX XXXX XXXX XXXX  account no : XXXX, DP OF EDUC account XXXX : XXXX, US DEPT ED account no XXXX, XXXX XXXX account no : XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. USDOE/XXXX Account no : XXXXXXXX XXXX XXXX XXXX account no : XXXX, DP OF EDUC account XXXX : XXXX, US DEPT ED account no XXXX, XXXX XXXX account no : 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 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I tried telling the credit bureaus that this information on my credit report is incorrect ( see attachment ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and its showing a balance even though the payment status is collection/charge-off. This is all a direct violation of FCRA.

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 2021-06-11
Company: EQUIFAX, INC.
State: NC
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 called Equifax XX/XX/2021 to update personal information and have adverse information removed from my consumer report. The agent refused to delete my date of birth as I requested pursuant to FCRA USC 15 1681 and violated my consumer 's right to privacy. A total of three agents also refused to remove adverse information and reports that I never provided written instructions for Equifax to furnish to their consumer reports pursuant to USC 15 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 im depressed now.with no help.

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 2018-11-19
Company: WELLS FARGO & COMPANY
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am the XXXX of the XXXX for XXXX XXXXXXXX and XXXX XXXX ( XXXX ) and have a savings and checking account for this organization with Wells Fargo. This account has been with Wells Fargo for at least 11 and likely more than 25 years. Last month, the account 's primary agents were changed to reflect a change in the XXXX   position ( I was newly elected ) and the business office moving to XXXX. So, the operations of this non-profit organization were relocated from XXXX Montana ( home of XXXX XXXX ) to XXXX, Indiana ( home of XXXX XXXX ). 

To conduct the exchange the old and new XXXXr and our accounting staff presented in person to Wells Fargo in downtown XXXX XXXX XXXX, Utah, where we provided identification, and organization documents ( meeting minutes and articles of incorporation, etc. ). This was a very tedious process because we received conflicting instructions in three separate phone calls to Wells Fargo. 

Today ( XX/XX/XXXX ) we received a warning letter that our account was to be closed because a business name mis-match and an unknown 'Certification Regarding Beneficial Owners of Legal Entity Customers form. ' This is an urgent matter, since we were given 20 days to report to a branch ( there are none locally ), to re-provide the information we provided in Utah in XXXX. Calls to the bank proved fruitless. 

So, we are a national organization, chartered in XXXX, who has been a client of Wells Fargo for perhaps decades, and they have threatened to close our account due to their loss of our identification, and/or update their internal banking records.

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 2023-08-09
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
the debt show on my account as derrogatory on XX/XX/2023 from an XXXX XXXX XXXX XXXX, the collection company was XXXX XXXX XXXX.I never receive any type of letter from XXXX XXXX or XXXX XXXX XXXX before XX/XX/2023 about this debt.I never had the right to dispute this debt. I lived at the same address for the last 22 years.My address has been XXXX XXXX XXXX for 22 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: COMMUNITY REINVESTMENT FUND
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:
This company is reporting on my credit report and send me harassing mailers for 2 months now. I have checked with my current and initial services on many occasions and they have advised that they did not sell my loan. Meanwhile this company continues to try to collect. I make my payments to XXXX. I feel there is some kind of fraud at play. This company and XXXX are reporting the same loan on my credit report and this company balance is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Experian Information Solutions Inc.
State: MS
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:
The Consumer Reporting Agencies AND XXXX XXXX have defamed my character and have infringed upon my consumer right to privacy. I have NEVER NOT ONCE given any verbal nor written consent to share my PERSONAL INFORMATION, including BANKRUPTCY to any 3rd parties. I called the bankruptcy court and they have plainly sent a letter back to me stating " They DO NOT REPORT, VERIFY, OR FURNISH INFORMATION TO CREDIT BUREAUS OR ANY PARTY. ". Now the question would be how did they get my information IF I didn't give them written consent AND the bankruptcy court do not report, verify or furnish information to any party. This have caused stress and harm to my name and have cause many denials in trying to support myself and my family. According to law this is illegal. They are going out fishing for consumers PRIVATE information and hardship, then selling it to make a profit to anyone they chose. I have sent in letters and have called them and it is still not removed. 

I sent letters certified to Experian, XXXX and XXXX XX/XX/2022 asking them to delete this and show me proof that they have the permission to furnish this information. They replied back to me and sent me reports that said VERIFIED AS ACCURATE. NO PROOF was sent to me. I resent a Certified letter XX/XX/2022 XXXX Experian, XXXX and XXXX. I called XXXX XXXX XX/XX/2022 and spoke with XXXX and XXXX. I asked who gave them permission to share my information? They couldn't answer. I kept asking and the she said they don't need permission to share my information to 3rd party people. She said if someone ask then they can give out my information. I have proof stating this information. 


Experian, XXXX, and XXXX have been reporting inaccurate information. I have went through all three reports and sent in certified letters challenging it and they came back as verified accurate but that's not possible and they have different information on each report so its all a lie. I NEED THEM TO DELETE 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 explanation
Consumer complaint received 2020-11-11
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: Information belongs to someone else

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
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 explanation