BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-25
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
OnXX/XX/XXXX i tried to sell off my XXXX Celo. upon first attempt to sell it was clear i did not have the full amount in my account but i assumed this was because my account was unverified. upon verifying my account the Celo i tried to sell initially was not returned to my account. Additionally. The amount sold was unavailable to my bank account. 

i would like a return of my lost tokens ( XXXX ) at price XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I SENT A XXXX CHECK TO EQIFAX AND ALL THE REQUIRED INFORMATION BY CERTIFED MAIL. MY TRACKING NUMBER SAID THAT THE DOCUMENTS WERE RECEIVED INCLUDING COPIES OF MY SOCIAL SECURITY CARD, DRIVERS LICENSE, COPY OF MY BANK STATEMENT SIGNED STATEMENT E-MAIL ADDRESS HOME ADDRESS TO FREEZE MY CREDIT PERMANENTLY. I HAVE NOT HEARD A THING FROM THESE PEOPLE AND MY CHECK HAS NOT BEEN CASHED. I DONT TRUST THESE PEOPLE NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: FMS Inc.
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have two other complaints for the same issue, but with different companies. I had a dispute with XXXX XXXX XXXX XXXX XXXX stemming from a XX/XX/2019 ER visit. That debt was sold to a collector. I disputed this charge with the CFPB XXXX XXXX XXXX XXXX, then later with a collections company. Both of them have pointed the finger at each other, and I have now received a notice from yet another collections agency, XXXX FMS for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My Wife received a letter from Wells Fargo Remediation Subject : Update on potentially unauthorized Wells Fargo deposit account you may not have authorized, which has since been closed. 

States : Impacted account ending in : 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 2019-03-04
Company: Credit Corp Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Credit Corp solutions-Contacted a number not listed on application of debt. I believe they are phishing and contacting people who may be associated with my name online as possible friends or family. Told the company to contact me directly via the contact provided to original debtor. Told them to stop phishing and searching the internet for contact related to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have had a fraudulent acct opened in my name with Kohl 's. They began reporting this acct to my credit report on XX/XX/XXXX. I called them several times previously to tell them this is not my acct and I never applied for the acct. They refuse to tell me the address where they sent the card but it was not at any of my addresses. 
XX/XX/XXXX I called to start the fraud application process again. They said it would take 60 days.I spoke to XXXX @ XXXX. 
I called back on XX/XX/XXXX to see the status of the fraud report. They said it was canceled and had wrong notes in the file. They said to call back the next week an they would fix it. 
I called again on XX/XX/XXXX, still nothing was done again they said fraud report was canceled. 
I called again on XX/XX/XXXX and spoke to XXXX XXXX XXXX. He updated my address and gave me a ref incident ID of # XXXX and also XXXX. I sent a letter as I was told this would be escalated to mgmnt. I called again XX/XX/XXXX and still nothing has been completed to resolve this issue. This is causing me not to be able to purchase a home and as interest rates rise I am being damaged more and more. I do not know what to do. A 60 process has been turned into a 120 day process with still no resolution and now they are sending me additional letters to pay the balance in full of {$500.00} whern I did not ever apply for the card and never had possession of the card to begin with. This is ridiculous and is costing me money on my mortgage interest rate as I am being held hostage by this dept store.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Was giving retroactive forbearance and still had 6-90 days 6-120 day 6-150 days even through the forbearance brought my account update these are still on there. Attached file what i send them and screen shot is what they sent back.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. Account name XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : 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 2018-05-02
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My late mother has two IRA accounts at Suntrust. I and my brother were named beneficiaries. He is deceased. I went to the XXXX branch of Suntrust with the information the attorney mailed to me regarding the accounts. They said their legal department told them the executor of the estate will need to produce at the branch a death certificate from my brother, then both my half and my brothers will need to go to the estate through Suntrust. My estate lawyer said I should be able to claim the IRAs 100 % by producing my brother 's death certificate myself. 

I have tried to reach Suntrust online and by their customer service number, but was unable. 

I need a direct contact at Suntrust to respond with the correct answer from their legal department. Email preferred.

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 2023-01-31
Company: Affirm Holdings, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is about the consumer credit transaction that occurred on XX/XX/2020 with Affirm, a financial institution, executed by way of signing an Agreement ( Document ). According to 15 USC 6827 ( 3 ), Document is defined as any information in any form.

Under 15 USC 6801, Congress makes it very clear that Affirm has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

In the consumer credit transaction mentioned above, without giving me the opportunity to opt out, Affirm chose to break the law and furnish my nonpublic personal information to nonaffiliated third parties ( i.e. XXXX, XXXX, XXXX XXXX ). 

According to 15 USC 6809 ( 4 ) ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution.

According to 15 USC 6809 ( 5 ) The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

Affirm admitted to me that they passed my personal nonpublic information to a company named XXXX XXXX ( formerly known as XXXX ). They told me to communicate with XXXX regarding an alleged debt. 

Affirm also failed to properly respond to my request for validation of this debt according to 12 CFR Part 1006 ( Regulation F ). They did not remove the unvalidated account from my consumer report while this account was being validated.

Affirm has broken several laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: EQUIFAX, INC.
State: IL
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:
THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CREDIT REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, 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:
The statute of limitations on collections is 5yrs in NY . I confirmed with a credit law firm that if you move to a different state the statute remains with the state where the debt occurred. 
Equifax has not only argued this but made it evident they can change rules at their discretion. 
I am requesting the CFPB investigate and force Equifax to follow the statute of limitations provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Eastern Account Systems of Connecticut, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
EASTERN ACCOUNT SYSTEMS ADDED A PAID OFF DEBT TO MY CREDIT REPORTED EVEN AFTER IT WAS PROVED THIS DEBT WAS NOT VALID. 
THE ACCOUNT WAS CLEARED IN XX/XX/XXXX AND THEY ILLEGATED THIS DEBT BY ADDING IT TO CONSUMER REPORT IN XX/XX/XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my 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 2020-09-12
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 fraud alerts or security freezes

Complaint:
EXPERIAN, XXXX, OR XXXX  is apparently reporting a fraud alert, security freeze or another form of " block '' on my credit file. This is causing me substantial problems in obtaining credit therefore please remove from my files.

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 2020-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
1. XXXX XXXX XXXX XXXX. I have not received any updates or request of more info. When I have saw the charge in XXXX I have called and rude rep said that there is nothing to do. NO ONE EXPLAINED anything. also I have explained that XXXX 's demanded payment for holding truck XXXX they made us sign the blank invoice. They just did not let our truck go before we pay them. So they did not provide the service and just demanded the money. I had prove that we had to fix the truck in other show. But looks like Capital one supports this fraudulent activity and did everything by not providing me ability to explain the situation more if they needed. Just waited the time and charged back. 2. XXXX again same story. NO LETTER WAS SENT TO ME!!!!!!!!! the same thing as with XXXX XXXX XXXX XXXX  Capital one did everything do not provide the ability to respond. I HAVE NOT RECEIVE ANY MAIL, EMAIL, OR CALL. THERE IS NO OPTION TO CHECK THE CLAIM STATUS ONLINE. 3. XXXX there is no credit posted as of today XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items o XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX o XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX o XXXX XXXX XXXX XXXX : {$0.00} o XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX, XXXX, H o XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX : {$2000.00} 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 2021-05-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls me every day even on Sundays. I try to block the number, but hey always call from a different number. Im really aggravated and I just want the calls to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-18
Company: Experian Information Solutions Inc.
State: MA
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: Problem getting your free annual credit report

Complaint:
The Free Credit Report service is unable to process my request. I have tried a number of times.

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 2020-11-25
Company: Santander Consumer USA 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: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XX/XX/XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
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:
There is an alleged bankruptcy on my credit report. That is not mine. Pursuant FCRA 623 I am demanding that it be removed

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 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX/XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.

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