BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-30
Company: Experian Information Solutions Inc.
State: TX
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:
sent XXXX the police report the information that was not mine on a dispute they are not trying to help in anyway even tho it was their security breach that cause all these damages ... now my XXXX XXXX   is missed up with my experian cra violation must remove inaccurate information they have cause my family thousand in dollars in time trying to fix this issue missing work and missing opportunity from a job b/c of my credit situation with inaccurate 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 non-monetary relief
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
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:
I, XXXX XXXX XXXX, am a victim of identity theft. I have several accounts opened with the information that was not opened by myself. I went to the police and was cleared of all these fraud accounts. I have the certified and notarized police report. Equifax refuses to block the ID theft accounts under 605B of the FCRA. Equifax tries to claim sections 607 and 611 of the FCRA but those sections are not ID theft sections. Only 605B is. Equifax needs to obey the law, 605B of the FCRA that gives Equifax no more than 4 business days to block these id thefts opened accounts now not later. It's been over 30 days since they broke the law. 
XXXX has my file locked to a manager by the name of XXXX XXXX. He has lied about the documents he has received from me. Lied about me. I recorded all conversations, he says 1 thing then lies about it later. 1 account is XXXX XXXX XXXX. It is in a different name than mine, an address I never lived in, my license predates the opening of this account, plus law enforcement cleared me of opening these accounts. Certified and notarized. Still, these credit-reporting agencies refuse to obey the law. This harm needs to end now by and through your agency, the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: MI
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7200.00}, {$3500.00}, {$0.00}, {$0.00}.

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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XXXX XXXX XXXXXXXX with a balance of {$7200.00} -This is not my account. 


-- PERSONAL LOANS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX  XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
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: Account status incorrect

Complaint:
THERE'S SEVERAL ACCOUNT IN MY CREDIT REPORT ITS BEEN 7 MONTH I BEEN SENDING LETTER REQUEST PROOF THAT ALL THOSE NEGATIVE ITEMS IS NOT MINE ALL THRE CREDIT BUREAU NOTHING WAS DONE. XXXX, XXXX, EQUIFAX ALL THEY KEEP SEND ME YOUR FILE WAS VERIFIED AND UPDATE NO DOCUMENT WAS SENT TO ME PLEASE HELP ME A LOT OF INQUIRY IN MY CREDIT I EVEN SENT LETTER TO THEM NOTHER WAS DONE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
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: Account status incorrect

Complaint:
THERE'S SEVERAL ACCOUNT IN MY CREDIT REPORT ITS BEEN 7 MONTH I BEEN SENDING LETTER REQUEST PROOF THAT ALL THOSE NEGATIVE ITEMS IS NOT MINE ALL THRE CREDIT BUREAU NOTHING WAS DONE. EXPERIAN, XXXX, XXXX ALL THEY KEEP SEND ME YOUR FILE WAS VERIFIED AND UPDATE NO DOCUMENT WAS SENT TO ME PLEASE HELP ME A LOT OF INQUIRY IN MY CREDIT I EVEN SENT LETTER TO THEM NOTHER WAS DONE

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 2022-08-09
Company: EQUIFAX, INC.
State: OH
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:
Equifax is furnishing multiple student loans on my consumer report for {$67000.00}, {$10000.00}, and 9 accounts with a {$0.00} balance illegally without my consent. 

Pursuant to 15 USC 1681 ( 3 ) Congress makes it clear that Equifax has assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

Pursuant to 15 USC 1681a ( 4 ) Equifax didn't exercise their grave responsibility with fairness, impartiality and respect for my rights to privacy.

Pursuant to 15 USC 1681 ( a ) ( d ) ( 2 ) ( A ) ( III ) Equifax violated my consumer rights because they never gave me a chance to confirm nor deny if a consumer transaction ever took place they just assumed it did.

Pursuant to 15USC1681b ( 2 ) Equifax violated my consumer rights because I never gave them written consent to furnish anything on my consumer report. THIS IS IDENTITY THEFT.

Pursuant to 15USC 6802 ( b ) ( 1 ) ( a ) my consumer rights were violated because I was never given the clear and conspicuous disclosure that I can Opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account information incorrect

Complaint:
As stated on prior complaint I need natural disaster removed from the credit report regarding my property which has not been involved in any natural disaster. Per your response you stated this is per the banks discretion however XXXX XXXX XXXX stated that is incorrect because they do not have the property declared in any sort of natural disaster regardless of any other properties that may have been involved in a natural disaster any time this year with in XXXX County Indiana. Myself an American family are now asking that the comment declared as natural disaster which is incorrect and false information regarding my property now be properly removed. 

Your company States this is to help protect consumers from late payments however this does not apply to me because my property has never been affected by any natural disaster this is also being taken to the next level with a third party government official. Myself and many others do not understand why the continued issues with your bank have yet to be resolved going on almost 18 months now it is making me impossible to refinance and sell my home is the next step to file a lawsuit as many consumers have done over the years most recently over the past two years with XXXX XXXX XXXX USAA? 

at the credit grantors discretion, a special comment code noting the account as potentially affected by natural or declared disaster can be reported with the accounts history. The code is added to all mortgaged properties within the declared disaster area and does not definitively declare that the property sustained damage. The comment is designed to protect consumers from the potential negative impact associated with a late payment associated with the declared disaster.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Someone used my debit card for a two XXXX and overcharged my 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 2018-01-24
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Professional Debt Mediation continues to report this collection account to be opened but it was discharged in XXX 2016 with a  chapter XXXX BK. I have disputed this account status as " opened '' a couple of times with XXXX  but the collection agency refuses to remove still. I get numerous calls, just about daily, from the number in XXXX, which is where their offices are located. I have been referred to by my BK lawyer to a consumer affair attorney, XXXX XXXX XXXX. ( XXXX XXXX XXXX XXXX ) and plan to proceed with a lawsuit if this is not handled ASAP!

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 2018-01-24
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Private Mortgage Insurance ( PMI ) of XXXX $ was established and signed on Closing disclosure for my home mortgage. I was paying this amount to the original lender ( XXXX XXXX ) of this loan. Everything was going good. 

I recently got notified that my loan is now sold to WellsFargo. Wellsfargo is not following the PMI amount ( XXXX $ ) established on Final Closing Disclosure and changed my PMI from XXXX $ to XXXX XXXX They are charging me XXXX $ more than the amount finalized on closing disclosure. I understand that property tax and home insurance are subject to change but Principle, Interest and PMI amounts MUST NOT be altered during loan term. I repeatedly explained them that they are not allowed to tamper with legal closing disclosure documents and it is illegal to alter PMI amount finalized on closing disclosure. But still they are not fixing 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 2021-10-28
Company: Affirm Holdings, Inc
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:
Dear Sir/Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


PLEASE REMOVE FRADULENT ACCOUNTS & INQUIRES BELOW!!! 

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Enclosed are the following : A copy of my driver liscense. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent informatio

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a credit card with Capital One and have made the monthly minimum payment required according to the mobile application on my phone. XX/XX/XXXX I made a payment of {$70.00}, which the app reflected a minimum of roughly {$60.00} due. My credit was reported as 30 days late for the month of XX/XX/XXXX immediately after payment was processed on XX/XX/XXXX. I spoke with customer service on XX/XX/XXXX and was told it was 3 days late, not 30. They filed a dispute for me then. 

I spoke with Capital One again today and they told me I was {$3.00} behind for XXXX 's payment, not XXXX. I was told what their system saw vs what I can see on my mobile app ( I do not use paper billing ) differs and that 's where the problems lies. If I was {$3.00} behind for XXXX, then the app should have told me minimum payment due then was {$28.00}, not {$25.00}. Also the next month 's minimum payment amount should have included an additional {$3.00}. 

Where I 'm confused at is if the mobile app tells me that minimum due then ( XX/XX/XXXX ) was roughly {$60.00} then my {$70.00} payment should have covered it all. Also why report XX/XX/XXXXlate if the {$3.00} past due was owed for XXXX? 

I only made during the month of XXXX what the minimum payment posted in my mobile app told me. I have never had a late payment with this company and I hold XXXX separate credit cards with them. Some months I 've even made payments twice. 

I took a 70+ point decrease with this mistake. Capital One has told me 3 different things by 3 different people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Experian Information Solutions Inc.
State: TN
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 contacted Experian numerous times to remove old information and information that is not related to me. I have been a victim of identity theft multiple times due to inaccurate information and identity theft.

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 2020-02-10
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX # XXXX is reporting a charge off with a balance that should not be on there. I have settled this account and it should not be reporting a balance to my credit.

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 2021-12-01
Company: Grain Technology, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I've repeatedly attempted to contact this company to make payments or connect a different bank so I can make payments. I first sent a support request on XX/XX/XXXX where I received an auto-reply that I would be contacted within 2 business days. I reached out again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with the same auto-reply and no response. My payment is now late due to their lack of response and it will affect my credit. Due to their lack of communication, I believe this company to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Coinbase, Inc.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initiated a wire transfer for {$8000.00} to XXXX on XX/XX/XXXX before XXXX PT. Their web site ( XXXX ) states that wire transfers should arrive the same day if placed before XXXX PT. I called my bank and confirmed that the funds had left my account. I checked my XXXX account and my Coinbase account that day, yesterday, and today and see no sign of an incoming transfer being recorded. I contact Coinbase support via email but have not heard back. 

A XXXX search led me to dozens of people complaining that they had initiated wire transfers for thousands of dollars that have still neither appeared in their Coinbase or XXXX accounts, nor were returned to their respective banks. The Coinbase subreddit is flooded with complaints about failed wire transfers : XXXX XXXX XXXX/CoinBase/

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is ARS ACCOUNT RESOLUTION XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ARS ACCOUNT RESOLUTION failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ARS ACCOUNT RESOLUTION failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ARS ACCOUNT RESOLUTION is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see whereARS ACCOUNT RESOLUTIONis in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit reportARS ACCOUNT RESOLUTION has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account 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 2018-01-24
Company: EQUIFAX, INC.
State: SC
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:
Prior CFBP and XXXX mortgage situation complaints from XXXX forward for my previously owned address : XXXXXXXX XXXX XXXX  XXXX, SC XXXX bear on this situation. I have had an ID fraud Equifax information breach and an inaccurate loan for XXXX came back on my report as an active mortgage loan for the above address. This loan is also inaccurately reflecting on Experian. My home at the above address was removed from XXXX XXXX XXXX ( bank dropped the house ) and XXXX attempted and illegal active service VA loan to restore the house. I did not accept or pay on this loan to the house. New loans were sought and could not be acquired for SS # ID fraud going on at the time. XXXX XXXX XXXX sold the property to new ownership and the new owners evicted me from the property in XXXX. See the attached documentation. This loan is not viable and a fraud attempt to regain a mortgage I do not own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Misleading billing practices. BofA charges me an interest of {$38.00} for a paid purchases. False advertising for a balance transfer promotional offers. Please check your records for XX/XX/XXXX and XX/XX/XXXX Statements to correct this issues. Tried to resolve the issues via telephone with the agent, they can't give me a correct calculation.

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 monetary relief