BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-18
Company: EQUIFAX, 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 have try to have these account that are a result of identiy theft removed or blocked per the fair credit reporting act section 605 ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. and Equifax will not block o remove these accounts. as a result they are in violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: EQUIFAX, INC.
State: AR
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 XXXX I contacted Equifax, XXXX, and XXXX  in regards to Inquires being placed on my Credit Report that I DID NOT AUTHORIZE. Even after contacting the Bureau I'm still getting alerts stating that Creditors are accessing my Credit File without my consent. I have placed a Freeze and Fraud Alert on my Credit File along with my Contact Number in which Creditors are suppose to contact me at the number listed to verify my Identity, but NO ONE has contacted me. I disputed the information with each Credit Bureau and was told about the investigation process. I sent them a copy of my Police Reports along with a Copy of my FTC Identity Theft Report, Copy Of My Drivers License, Social Security Card and Utility Bill to add with my dispute. I decided to contact the Creditors that we listed on the Reports individually. Each Creditor I spoke with had NO KNOWLEDGE or account under my name or Social! I have since received notices via mail from the Creditors stating that they have contacted the Bureaus to have the information removed from my Credit File. I have direct contact and letters stating the information should be removed, but why hasn't it been removed as of date from my Credit File. XXXX has removed the information from my file as of XXXX, but Equifax and XXXX  has not. The Inquires are EQUIFAX XXXX XXXX - XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
In XX/XX/XXXX my grandfather took out a loan to pay for my education at XXXX XXXX XXXX XXXX. I did not sign any loan documents. In XX/XX/XXXXmy grandfather passed away. I supplied Sallie Mae with a death certificate. I began getting multiple calls daily even after speaking with a rep. They constantly harass me to pay a loan I did not take out. They claim my name is on the debt, but have not provided me with proof. They told me I could not get federal aid unless I paid on this loan. I began making payments so I could continue receiving federal aid. When I found out this was a lie, I stopped paying on this loan. They apparently rewrote the loan in my own name without my permission or signature. In XX/XX/XXXXthey began calling me multiple times each day rarely leaving a message with what appears to be their intent to annoy/harass me. I have had to block several of their numbers. They then threatened me with a lawsuit several times. After those threats they sent me a letter that they would forgive a part of the debt and send me a XXXX XXXX. I never signed this form, but they reduced the debt anyway. They contacted me at my place of employment. After advising to never call me on that number again she continued to harass me. I tried to log in to their website, but my user name no longer matches my SSN or birthday. I have been deceived and lied to by Sallie Mae, now Navient, and continue to be harassed about a loan I never took out. They have ruined my credit for a loan that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Affiliated Creditors, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from the collection agency called Affiliated Creditors inc stating due to tax season they were offering a settlement. I called XX/XX/XXXXand paid the agreed Settlement amount which was 75 % of the balance owed. Once paid the settlement amount I recieved a confirmation number as that debt was settled. On XX/XX/XXXX they have now reported this to my credit report as I only paid 75 % and still owe a remaining balance of the difference. So it is now showing on my credit report as a debt in collections that I still owe on. Which has effected my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Investigation took more than 30 days and when it came back nothing was changed when clearly there are misleading, incorrect, inaccurate information on my credit report ... attached is my credit report from XXXX bank that clearly violates my rights!!! THE EVIDENCE IS IN BLACK AND WHITE... NOONE CAN DENY THE EVIDENCE UNLESS YOU ARE XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2019 Bank of America transferred funds in the amount of {$28000.00} from my bank accounts with XXXX XXXX XXXX XXXX XXXX. This amount was in error and I immediately call both Bank of America and XXXX XXXX. I made a request to return the whole amount. I was told by both Bank of America and XXXX XXXX that it should take 2-5 days. When I called Bank of America on XX/XX/XXXX, asking why the funds were not transferred, they said they have a policy that wont allow them to transfer a large amount of money without internal protocol. I was told it could take until XX/XX/XXXX to make the transfer. I called Bank of America on XX/XX/XXXX and was told they have until XXXX to make the transfer. On XX/XX/XXXX the transfer was not made.

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 2018-12-18
Company: EQUIFAX, INC.
State: NY
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:
Disputed ( XXXX ) XXXX XXXX authorized user account twice with the same result. Came back as verified but Im not an authorized user on this account. I have no knowledge of this account and I have no card/info for this account. If I said I dont know whos account this is how are they still legally allowed to have this account on my report? 

I called XXXX and they said i have to be the primary account holder to remove myself. How does that even make any sense? Dispute doesnt work so how do I get this account off my report exactly? 

XXXX removed it without an issue. Its always XXXXEquifax that gives people headaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Financial Corporation of America
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They keep calling. If I answer somebody talks sometimes but sometimes they just hang up. If my answering machine picks up there is never a message. Calls early before XXXX after XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call from the number XXXX at work on XX/XX/2019 at XXXX XXXX. I was already in another ( work-related ) call, so I rejected the call. I called the number back a few minutes later, and the person stated the call will be monitored, it was an attempt to collect a debt, his name and the company name. I informed him that I received a call from that number, and he asked me for my name. Then he stated that he pulled up my records and needed me to verify the last four of my social security number.

Having been a victim of identity theft in the past and the increase in telephone scams lately, I was wary of giving him the last four of my social. I stated my concern and asked the representative what  account he was calling about to see if I recognize the account. He refused, stating that he couldn't divulge any further information until I verified my identity. He proceeded to ask me for my date of birth. I told him again that I didn't feel comfortable giving out my information all willy-nilly to some random stranger claiming to call from a debt collection agency, yet he couldn't even verify the name of the account in question. The representative proceeded to tell me, " You not giving me any information. We already have it. You're just verifying it. '' From my understanding of the English language and sentence structure, in this context, " verifying '' and " giving out '' my information means exactly the same thing. I have no way of verifying if this person is who they say they are, and it wasn't like I was asking him for his company 's secrets. I was only asking for the name of the account in question, which I couldn't do anything with besides like maybe pay it off -- and, never in my adult life, have I ever heard of someone stealing another person 's identity to pay off the victim 's debt. On the other hand, with my the last four of my social, date of birth, AND address, someone could literally call my bank/credit card company right now and do some damage. The representative stated that he could not speak to me about the account any further until I " verified '' my information, so I hung up on him. 

Overall, this representative from Midland Credit Management was  being shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following are UNAUTHORIZED INQUIRIES I discovered on my various credit files. 
COMPANY : XXXX XXXX XXXX. DATE : XX/XX/XXXXCOMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX BUY DATE : XX/XX/XXXXCOMPANY : XXXX XXXX XXXX XXXX XXXX. DATE : XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX XXXX DATE : XXXX COMPANY : XXXX DATE : XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX XXXX DATE : XXXX COMPANY : XXXX BANK DATE :XX/XX/XXXX COMPANY : XXXX XXXX  XXXX DATE : XX/XX/XXXXand XXXX COMPANY : XXXX XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX DATE :XX/XX/XXXX COMPANY : XXXX XXXX XXXX  DATE : XXXX COMPANY : XXXX XXXX XXXX XXXX XXXX COMPANY :  XXXX DATE :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 explanation
Consumer complaint received 2018-03-19
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no idea who XXXX XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX XXXX is indicating that an account with the account number XXXX was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX XXXX as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ XXXX XXXX } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to XXXX XXXX, that authorizes y
our company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

XXXX XXXX has violated the Gramm Leach Bliley Act Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting  agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/19 {$79.00} XX/XX/19 overdraft fee {$35.00} I disputed the amount {$79.00} Because Wells Fargo authorize payment to att when my account was already overdrawn as well as assessed a overdraft fee for the occurrence. When I filed a dispute Wells Fargo denied it stating that it was a reoccurring payment so that is why funds were released I kept telling them this is not a reoccurring payment this item does not come out at the same time every month it is a one time  debit transaction which mean if there are no funds it gets declined they did not go according to there policy and when it was time to investigate they did not do their part either The photo attached show that they declined the transaction on XX/XX/19 than on XX/XX/19 they approved the transaction while the my balance still reflected the same amount was in overdrawn status and when Wells Fargo refers to my previous payments they were all ACH payment this one was not so it should not have been touched

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 2018-12-18
Company: JPMORGAN CHASE & CO.
State: TX
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:
On XXXX I filed a dispute for a charge of XXXX from XXXX XXXX which took place on XXXX. In this dispute, I outlined OnXX/XX/XXXX after finding the same item at a much lower price online, I attempted to return the purchase. Despite only having made this purchase a few days prior and the return policy stated on my receipt clearly states a 45-day return policy, my return was denied with no explanation. As an XXXX XXXX member, my return period extends to 45 days from the date of purchase. Therefore, I am disputing this charge as I was within the return policy set by XXXX XXXX. To assist in the dispute investigation I included a copy of the original receipt showing the original purchase, the merchant return policy, as well as the proof of the attempted return and resulting denial denial by the merchant. As outlined by the XXXX merchant dispute conditions Condition 13.7 Cancelled Merchandise/Services, this is a valid dispute as I attempted to return the purchased merchandise in accordance with the return policy provided at the time of sale only to have the merchant refuse the return, violating the terms of sale. 
On XXXX Chase sent a letter stating they refused to chargeback as they sent me a letter to which they claim they did not receive a response to. This is a false statement as not only did I call and resubmit all necessary paperwork, but when initiating the dispute I provided Chase with all relevant documents and information to process this dispute. I contacted Chase many times via phone insisting the dispute be continued as the merchant had failed to produce any information invalidating the dispute. OnXX/XX/XXXX and onXX/XX/XXXX I sent letters in ( proof of submission attached ) reasserting my dispute. Chase further states I did not meet the policy guidelines when I returned the merchandise. This is, in fact, a false statement as it was the merchant who failed to meet the policy guidelines as indicated by the included return refusal receipt. 
I requested a copy of all related documentation for this dispute which I never received. Soon many fronts Chase failed to meet their legal requirements both in investigating this dispute as well as providing documentation as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
on XX/XX/25 i logged into my account. i noticed all of XXXX XXXX was missing. i checked transaction history there was no history except for the purchase. i reported the missing coins which locks ones account. they have auto generated emails and no phone customer service. i have been completely ghosted by support. i have reached out to the founder XXXX XXXX on twitter and XXXX XXXX and XXXX XXXX as well. i have tried reach support multiple ways ... can not get a response except auto generated emails if i go through the contact us page. i am concerned about my missing coins and other funds that i can not secure, buy, or sale.. this is causing and undo amount of stress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-27
Company: DISCOVER BANK
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Discover closed my account ending XXXX in order to steal my rewards. I always paid bills on time, never late and earned 150000+ miles in rewards which would be around $ 2000+K cash. 
I requested my rewards redeemed on XXXX XXXX at that time Discover assured me rewards would be paid automatically on XX/XX/XXXX for that I did not needed to call in : they made me to believe that they will send a check or transfer cash to my bank account as they did previously when I redeemed my rewards previously. 
Few days ago I saw that my family member made a purchase on XXXX and redeemed my Discover rewards, I never consented to Discover or XXXX to use my rewards as payment option, I don't understand whythose companies decided they can use my rewards without my permission. 
Today on XX/XX/19 I contacted Discover again to get my rewards and was told that Discover closed my account on XX/XX/19 ending *XXXX  because " they did not hear from me and my rewards are voided '', never sent an email or mail or any indication informing me about intent to close my account. 
So today, on XX/XX/19 I spoke with XXXX mngr in OH he refused to redeem my miles for me because " when I called on XX/XX/XXXX to request my rewards I was told rewards will be paid out automatically and I don't need to call, but then I needed to call again in order to redeem. '' this istrolling and scamming practices to steal my rewards. No other credit card company ever demanded my Tax Returns from IRS. 
No notes, emails, letters with deadlines or anything indicating reason for closing account ending *XXXX  therefore Discover did not wanted to pay my reward which would be approximately $ 2000+ Discover is a  scammer and a thief, they invent tricks to steal from us our rightfully earned rewards : in instance, they emailed me yesterday on XX/XX/19 stating that they put me on their Match program on my account ending *XXXX that was never even activated and is closed. 
For the demand of my IRS records I received and email from someone looking like a spam and I thought was a scam that did not come from Discover email, I deleted it as it wanted me to click on the link. I learned it was from Discover only after I called in to activate my new card ending *XXXX. XXXX told me that spam looking email was from them on XX/XX/XXXX, ( XXXX from their special department ). Then he asked me if he should close the account and hanged up the call. Then I called again, spoke with the female agent and she confirmed that XXXX was accurate and they will not activate account until I give them access to my tax returns from IRS. I refused to allow any credit card company access to my IRS records. and they closed my both accounts without any notices in order not to pay my reward.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted several disiputes wiyh experian and have yet to be able to speak with anyone about false inaccuracies they are reporting. I have been unable to reach anyone 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 explanation