BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: TX
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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-08-15
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
As a consumer on multiple instances, I have written several letters to Experian XXXX, and XXXX exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g, I have simply requested original hardcopy documentation, fully and totally verifying that all items being reported on my report belongs to me, who verified these items? What methods were used in verifying these items? Also, where is the physical proof of a contractual obligation with my signature on it? They have failed to provide those documents as well as allowing the items to remain on my credit report after several letters damaging my creditworthiness. The items, therefore, should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). Experian, XXXX, and XXXX are in violation of the FCRA. 


I will upload the letter, I received from the U.S BANKRUPTCY COURT confirming that they do not report information to Experian, XXXX, and XXXX. in addition to a letter from XXXX confirming my file with them is and was locked when Experian, XXXX, and XXXX claimed to have verified information through them, which is illegal and against the law. Along with the complaint letters I sent to Experian, XXXX, and XXXX. 

" I'm asking that the CFPB assist me in this matter because Experian, XXXX, and XXXX  has violated my rights to the fullest and this matter has affected my life in the worst way.

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 2023-06-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On, XX/XX/2022 I received a call from a representative claiming to be working for XXXX through JP Morgan Chase requesting if I made a payment of XXXX Dollars to a XXXX at XXXX ( XXXX ) XXXX. I said no and they proceeded to ask for my information which I provided for my XXXX account. They then sent that payment to themselves using that hacked account and number by fishing my personal information. I called my Chase bank after realizing what happened and said that I was scammed. They investigated the claim and said since I authorized the transaction that it could not be refunded and that I did not report within 60 days. I received a letter on XX/XX/2022 after I called them one on XX/XX/2022 and on XX/XX/2022. I even reported the number to XXXX and told them this number and person were committing fraud. Assured me that the account was reported and banned. However, I requested my money to be returned by the recipient twice and saw that the account was still active hoping the person who got hacked as well maybe perhaps got their info back and would do the right thing. My bank, Chase, refused to help under Regulation E and XXXX claimed that they could not provide any assistance citing they do not provide buyer protection on authorized transaction between relatives or friends. This hacker was not my friend or my relative and its unfair that neither of the two companies and institutions have failed to refund me my money under FDIC guidelines. Also, I think its poor practice to not provide any buyer protection like XXXX does. The banks are letting these types of scams run rampant because they refuse to ask XXXX, XXXX, or, XXXX protect consumers. I have uploaded two statements from Chase one where a similar scam was done through XXXX by fishing for my information and another through XXXX. XXXX was able to credit me my XXXX dollars alongside with Chase, but then refused in another statement to do the same through XXXX a company they advertise?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Adjusters is reporting a collection to my credit report at all 3 credit bureaus. 
I have no idea what this debt is and I'm positive it doesn't belong to me. 
I wrote National Credit Adjusters demanding proof, and they sent copies of documents, but none had my signature or any proof that I applied for this loan. They had no proof that I ever made any payment on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
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 status incorrect

Complaint:
2018 opened my auto lease account with XXXX XXXX, 6 months later I totaled it. I had full coverage insurance for the vehicle under my fathers policy with me as the driver. The insurance company did not pay per the {$1000.00} deductible agreement. The auto loan was for around $ XXXX. They paid about {$9500.00}, leaving over {$6000.00} remaining owed on the loan. XXXX XXXX did not properly investigate and instead tried to charge me the remainder. After refusing to pay since I had full coverage insurance, which they have proof of, they wrote off the loan as a loss. I was falsely charged with a debt that should have been paid by insurance. The insurance company refused to speak to me after I reported the wreck. They only spoke with my father since it was listed under his policy. Im unaware of the communications my father and the insurance company had.

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 2023-06-07
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX XXXX has reported two items on my credit report ( {$8500.00} and {$55.00} ) that do not belong to me. Its for a utility company in a city I dont live in and have never owned property in. I was contacted by the utility company in XXXX about the bill. I submitted some basic identification information and they told me theyd remove the account. In XXXX, they sent it to a debt collector who has reported both on my credit report resulting in a XXXX point loss. When I spoke to XXXX, I was told on XXXX different occasions that the debt would be removed from my account if I submitted a dispute with the credit agencies. I did so, but XXXX told the credit bureau that the debt was mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: Experian Information Solutions 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.

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 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-08-11
Company: Coinbase, Inc.
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2021, Coinbase sent me the following email : " We noticed suspicious activity on your account and have suspended it for your safety. If you believe this was in error and are ready to reactivate your card, please contact us. '' When contacting Coinbase on XX/XX/2021, phone representatives indicated that the card was still in an active status but transactions were being declined. The representatives indicated this request would be internally forwarded. 



I received a message on XX/XX/2021 stating : " Our team has completed our investigation of XXXX or more recent transactions which violated our Cardholder Agreement. We've determined that you do not meet the criteria to unblock your card. '' However, I was not informed of any transactions that violate the Cardholder Agreement. Furthermore, in the Cardholder Agreement there are the lines : " If we refuse to approve a Card Transaction and/or restrict, suspend, or terminate your use of the Card and/or any or all Coinbase Services in this way, we will ( unless it would be unlawful for us to do so ), provide you with notice of our actions and the reasons for refusal, restriction, suspension, or termination where appropriate, with the procedure for correcting any factual errors that led to the refusal, suspension or termination. '' When asked for this information, Coinbase refused to provide any more detail on this suspension. I have not been provided any notice of suspension ( other than the initial notification indicating a temporary operational suspension ) and no reasons for Coinbase 's actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Opened a Citi Bank Account on XX/XX/2020 under a promotion that said I could earn {$400.00} on depositing {$15000.00} and keeping it there for 60 calendar days. When I asked " How quick is the bonus paid out, '' she told me " With 1 - 2 weeks ''. On XX/XX/XXXX I completed those 60 days and today XX/XX/XXXX I still have not gotten my bonus. After calling Citi Bank to tell them the situation I talked to one customer service rep who I explained the information too and she said " I will transfer you to a banker to switch your account to a basic bank account because you signed up for premier checking. By switching you over to a basic account which only requires a {$1500.00} balance to avoid a fee while the premier checking requires {$10000.00} to avoid the fee and you still get the promotion bonus of {$400.00} for signing up within 90 days. '' First off, the banker told me I would get paid out the bonus within 1-2 weeks and now the Citi Bank rep on the phone is saying up to 90 days? Had I known this, I would have not signed up for the account in the first place! Then, when I got transferred from one Citi Bank associate to the Banker who was going to help me open up the account, I told him everything the other associate had told me about " By switching you over to a basic account which only requires a {$1500.00} balance to avoid a fee while the premier checking requires {$10000.00} to avoid the fee and you still get the promotion bonus of {$400.00} for signing up within 90 days. '' He informed me that this was incorrect and that I had to keep the account open as a premier checking account to qualify for the bonus. It seems that no one has their facts straight and I feel like I was being misinformed the whole time and I do not know who to believe! I simply want my bonus deposited like I was told I would be!

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 2022-03-16
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Experian Information Solutions Inc.
State: VA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09
Company: LD Holdings Group, LLC
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Loandepot.com gave us a loan to buy a new home yay!! Then they promptly shared our information with many other lenders. These lenders " XXXX XXXX '' notice number XXXX are misrepresenting themselves as the VA. Stating I should call the my VA rep at their number. The person answering the phone stated they are not a VA rep. I have received numerous letters all stating similar things. Get your escrow back? At the bottom in tiny print it states it is a refinance option. I have called them to remove my information many times and it still persists. I OPTED out and am being constantly harassed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: Experian Information Solutions Inc.
State: AL
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 are items being erroneously reported on my credit report and I have requested what method of verification was used to attribute those items to me with no response.

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 2020-03-07
Company: Experian Information Solutions 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:
The Federal Trade Commission ( FTC ), the nation 's consumer protection agency, enforces the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance.

The Federal Trade Commission ( FTC ), the nation 's consumer protection agency, enforces the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance.

fair opportunity to pay a debt its law crao act do not use debt against me until the violations are removed law do not call or share my information FTC violations if you do i'm on the do not call list

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit Report and I saw some inquiries that are not associate with me that I did not recognized so I called Eqifax and XXXX and they told me to File a complaint through you guys and then they were able to dispute it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
An account that is in my named with Bank Of America was opened XX/XX/XXXX. This account was opened solely by XXXX XXXX XXXX. I meet her and married her in XX/XX/XXXX. I never ask to be put on account and never gave my permission to be added. XXXX had credit card and made ALL CHARGES on account! XXXX SIGNED all charges to account and I never knew that she placed me on account. When she decided to leave marriage she placed me on account and left the marriage. After having no choices she declared bankruptcy which left me on account. I disput all charges and disput being put on account and disput ever signing any paper to be added to this account.

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 2018-04-25
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Excessive over draft fees on items that are not posted to account until the day of direct deposit is posted ... on the XX/XX/XXXX I received my pay check as a direct deposit of {$340.00} and my direct deposit has been occurring every two weeks for the past three years now..When I checked my checking account on XX/XX/XXXX I had a positive balance ; no notice of an insufficient funds of - {$36.00} & - {$30.00}. When I checked my balance on XX/XX/XXXX I had two debits posted of {$36.00} & {$30.00} along with the credit of the occurring direct deposit of {$340.00} plus over draft fees of {$72.00}. This is outrageous and an overt attempt to steal money from customers ... Other banks I deal with do not charge over draft fees if debits comes in around the same time as a recurring direct deposit..I thought all banks follow this procedure and I was told by the woman who answered the XXXX, VA bank branch phone that BB & T does not participate in such a feature.

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