BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-26
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: Credit inquiries on your report that you don't recognize

Complaint:
There are several different issues with all the credit reporting agencies. One in particular is XXXX originating out of XXXX XXXX XXXX has numerous inquiries on my credit report. I have NEVER had an account with them but they are constantly inquiring about my address, credit score, and reporting. In addition XXXX XXXX has permission to inquire about my credit standing which I have never approved. The three agencies have reported employment information incorrectly, disputes incorrectly, as well as living residences incorrectly. Also, my name has never been XXXX XXXX and other variations of this but I have only had approved accounts with XXXX XXXX, or XXXX XXXX. XXXX and finally XXXX XXXX XXXX. They wont correct 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 2018-08-08
Company: Nelnet, Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
At present I have 16 student loan accounts reporting on my credit report. All 16 accounts are reporting late for months XXXX through XX/XX/2017 however this information is inaccurate. I graduated my XXXX program in XX/XX/2017 and my loans should have remained in deferment for 6 months following my graduation and then enter into repayment status. Instead, it appears my graduation date was calculated incorrectly or I did not recieve my 6 month grace period as I should have. 

I have asked several times that the late payment entries on my credit report be verified by the companys credit reporting department and that the late payments be verified and corrected in accordance with 15 U.S. Code 1666 - Correction of billing errors to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/18 a complainant was sent to XXXX XXXX XXXX from CFPB on my behave Complainant number XXXX. As previous stated the debt is not owed. The response from collection company was as follows : " We have contacted the creditor and requested they review their file to verify insurance claims filed and payment received. Also request confirmation of the balance due ''. 

It has been 8 months since the company responded to the CFPB about my complainant and I haven't heard anything from them since. It has been more than enough time for the company to verify any and all information. Therefore, I am requesting that all information about XXXX XXXX XXXX  and any debt reported be removed immediately from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: DISCOVER BANK
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed that there was an unauthorized hard inquires from DISCOVER FINANCIAL SERVI on XX/XX/2018 on my XXXX credit report that i did not make, i called XXXX to have this removed and was told they cant remove or dispute hard inquires although they are aware i did not make it. 

I noticed every since i became a member of XXXX  i get hard inquires things start to appear on my credit file out of know where as if an employee has stolen my information and using it for there own benefit. 

I did not make this hard inquiry, i was driving from another state when i received the notification ... someone from XXXX or discover financial is working together using my info TO OBTAIN CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
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: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # 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 2018-10-19
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 have been trying to work with the credit bureaus Transunion, XXXX, and XXXX with getting these fraudulent accounts removed from my report, they always say the information will be removed or they'll follow up with me but they don't. I have contacted them several times in regards to this situation, I do not want to be held accountable for something that isn't mines, I just want the accounts to be removed and from under my name and my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing for assistance to determine the legitimacy of the owner and servicer of my mortgage. With whom should I speak to regarding the owner ( s ) and servicer ( s ) of my loan. Currently, the owner is XXXX XXXX XXXX and servicer is Caliber. 

In XX/XX/XXXX, Caliber did a modification. After doing so, Caliber changed my FHA Fixed rate mortgage to an Conventional Adjustable one, When I discovered the issue I filed a complaint with Consumer Financial Protection and Caliber was supposed to have corrected the issue. 

As of XX/XX/XXXX, the owner will be XXXX XXXX XXXX and servicer is XXXX XXXX XXXX XXXX. In lieu of the fact that fraud is as at an all time high. I am trying to ensure the aforementioned is accurate and the transfer is legitimate. 

Please let me know who I should speak with regarding the issues listed. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Client Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am receiving notification that I have a XXXX XXXX debt that I do not owe. It has been placed on my credit report and the debt collector has asked me to pay a settlement amount in which I do not owe. I have not paid it or agreed to pay it. Client services is the agency asking me to pay from {$270.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX .Please block and remove all information from my credit report, and send me an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America is taking my money by charging me with fees that are not explicable and they are adding them up and the more that they pull make fees the more money I lose and then they charge me more fees on top of that.

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
Consumer complaint received 2021-06-08
Company: JPMORGAN CHASE & CO.
State: VT
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:
I received a bill from Chase Card Services representing my Amazon Prime account. I only use this card on Amazon and do not carry it with me. I use my bank ( XXXX XXXX XXXX ) debit card or my XXXX card when at stores. Several purchases showed up on the card that were made in person using one of the above cards and not this card. Those charges were not on my XXXX card or debit card and I remember making them, but not with a Chase Card. 

One of the purchases was from a XXXX Store in New York. A store I have never been in and couldn't possibly been there on the day the charge was made. I called and made a complaint about the charge and the other charges I didn't use this card for and about the charge in New York, I live in Vermont. 

The charge was for & XXXX at XXXX XXXX in XXXX XXXX XXXX XXXX, NY on XX/XX/2021. Chase told me I must have made the purchase because a chip card was used. I called the store and the manager told me there was no record of a transaction by me or for the amount on that day. I called Chase and informed them of what the manager said and was told I need to get video footage or a letter from the manager that I wasn't there. I asked them to get the same proof that I was and they told me they don't do that that I need to prove I wasn't there. You can't prove a negative according to an attorney I contacted who recommended I contact you. 

I am a XXXX year old woman living alone and was repeatedly told someone in my house hold probably made the charges. I don't have children and visitors do not have access to my office where the card is. I was also not informed that Chase has a security breach and members financial information had been compromised. I learned this on line when filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: AES/PHEAA
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:
AES XXXX XXXX XXXX : Posted a Charge off to my credit reports, however it isn't my account, and the contract that they provided upon request doesn't match my social security number. Please remove this ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
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: Information belongs to someone else

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX : XXXX Transunion XXXX. XXXX XXXX XXXX, PA XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX, Reported balance {$270.00}, this account is not mines. 

The two inquiries are not mines. 

XXXX Inquiry from XX/XX/2020 XXXX XXXX One Inquiry from XX/XX/2020 Bank This company has not sent me any notification of debt. By FTC Law I have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP. 
Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, 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 2021-04-24
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
Summary : 1 ) Coinbase withdrew {$1000.00} worth of Ethereum coin without any notification and despite having remediated a bank transfer issue within requested time frame 2 ) After reporting the issue, Coinbase locked my account and has not responded for 5 days despite multiple email requests. Given the recent crypto currency market crash and the account lock preventing me from selling the crypto coins I have in my account, this has resulted in monetary damages Coinbase Case Number : # XXXX Details : 1 ) Initiated a deposit of {$1000.00} from my bank account to Coinbase Pro 2 ) Within minutes, I received an email from Coinbase that the transaction was cancelled by my bank and that I can re-try again 3 ) Within minutes, I've logged into my Coinbase account which has an additional message that I have 5 days to remediate the issue or Coinbase. I immediately re-initiated the transfer. Coinbase confirmed with an email that the " fund recovery '' was successfully. " We have successfully collected the funds from your recent failed transfer '' 4 ) However I noticed then that Coinbase has already withdrew {$1000.00} in Ethereum coin. Important to note here is that the Eutherum coin was purchased previous and NOT using the deposit from the failed bank transfer. In fact, the {$1000.00} USD in question was actually still untouched in my Coinbase account so if that transfer failed, Coinbase should have debited those {$1000.00}.

5 ) I emailed Coinbase ( there is no phone option ) and Coinbase responded that they've locked my account & requested that I update my password. Once complete I can email them to unlock the account.

6 ) I confirmed that I've completed the instruction and requested my account to be unlocked plus the {$1000.00} in Eutherum coin that was wrongly taken away to be re-deposited. I explained again that it does NOT appear to be a security breach to my account, as it appears to me that Coinbase withdrew the amount as the timestamp of the withdrawal matches with the failed bank transfer. 
7 ) Received an email " Having investigated the issue, we are working with a specialist to address it properly. We will follow-up with you as soon as we have an update. '' 8 ) To date, after 5 days, I have not received an update nor has my account being unlocked despite multiple email requests.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
the accounts listed do not belong to me someone used my information to open fraudulent accounts they use my personal information on applications as well I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: WELLS FARGO & COMPANY
State: DE
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:
I filled a dispute in regards to the in the inaccuracies on my report it has been well over 30 days!

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 2020-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received a notice of checking and savings account and debit card from Bank of America. Called Bank of America and had accounts closed. Initial date was XX/XX/2020 when account was initiated by unknown. Have also reported fraud with XXXX. Changed passwords on multiple areas

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 2020-09-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Ive been Charge with over 12 Overdraft fees since COVID 19. I tried to resolve this matter with the bank but each time I speak with a representative Im being told something different. I became unemployed and it seem as if thats when the bank started to take fees from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: NY
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, this creditor ( XXXX XXXX ) has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604 A Section 2, it also states that a consumer reporting agency can not not furnish any account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: DISCOVER BANK
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I recently reported XXXX XXXX XXXX to this same organization. Discover 's immediate response was to lock my account, preventing me from making payments. Despite multiple phone calls they are adamantly refusing to remove the lock on my account. I feel that this is a blatant attempt at intimidating me and punishing me for reporting them. Further, I feel that this is a deliberate attempt to force me into making a late payment so that they can increase my interest and charge me penalties. 

XXXX XXXX XXXX is punishing me for reporting them. 

XXXX and XXXX in the XXXX find this situation so uncontrollably funny that XXXX was bursting out laughing at me on the line while she transferred me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card
Issue: Transaction issue

Complaint:
I booked XXXX nights hotels using the points earned from Wydnham rewards Barclays credit card. The dates we booked are XX/XX/XXXX-XX/XX/XXXX and I received the booking email with the right dates. A few days ago I just noticed that the dates was changed to XX/XX/XXXX-XX/XX/XXXX. I never made those changes. And because of that, I spent countless hours on the phone with Wydnham rewards helpdesk. So many hours wasted on the phone. Changing the dates without our authorization is crime, and Wydnham even changed the date to past!!!

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 2017-08-01
Company: ENCORE CAPITAL GROUP 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:
Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract.
FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : XXXX XXXX Acct # XXXX Bal : {$380.00} XXXX XXXX Acct # XXXX Bal : {$1700.00} XXXX XXXX XXXX XXXX No Account # listed Bal : {$27000.00} XXXX NO Account number listed Bal {$0.00} Midland Funding Account # XXXX Bal {$1400.00}

Company response to consumer: Closed with explanation