BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The 3 credit bureaus told me to file a fraud complaint with the FTC in order to get these items removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have student loans from XXXX. That keep showing up on my credit report. These federal student loans back days over XXXX. I have asked for them to be removed and its still showing. 

I also have unauthorized hard inquiry on my account from. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX. I also have a police report filled that I even have the companys the police report number. 

Policy report # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-11
Company: EQUIFAX, 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:
I received a copy of my credit file and enclosed is an account list under XXXX XXXX for {$1300.00}, XXXX XXXX for {$18000.00} and XXXX XXXX for {$3100.00} accounts which does not belong to me. So I am writing to excercise my right to request verifiable proof of the negative events listed within my credit file. The XXXX.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX XXXX for {$1300.00}, XXXX XXXX for {$18000.00} and XXXX XXXX for {$3100.00} accounts ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect this negative event to be removed. Please communicate your intentions in writing. Sincerly XXXX XXXX Last 4 of SS # XXXX D.O.B :  XX/XX/1970

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-11
Company: SYNCHRONY FINANCIAL
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:
I believe my daughter may have her identity jeopardized. I have received XXXX notifications regarding declination of services/credit but she is a minor. She did not authorize any agency nor requested any information from any agency regarding credit. 


Regards, 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 2022-04-25
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/XXXX There was a fraud charge on my discover credit card which was disputed, but never reversed. 
In XXXX I was effected by the pandemic where I lost work and could not afford to pay my bills. Therefore my credit card defaulted. I disputed but derogatory remarks never was removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Hi I am a victim of identity theft, however I went through everything far as paying to have my credit repaired.. starting over and credit freeze and whoever stole my identity is still using it .. Ive dispute so many items on my report that I had no knowledge of it was a shame. Inquires I cant get anything in my name! I cant get a bank account XXXX car loan home loan XXXX an even a background screening without being turn down. TransUnion suppose to handle the situation and havent. What do I suppose to do?

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 2020-04-24
Company: Experian Information Solutions Inc.
State: RI
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: Problem with personal statement of dispute

Complaint:
I have filed a complaint about Experian 's fraudulent credit reporting and now Experian is retaliating by lowering my credit score from XXXX to XXXX even as my credit and debt levels have declined significantly in the same time. I have paid off debt over the last 18 months and when I applied for a home refinance mortgage, which I have now received, I complained because Experian showed me a credit score of XXXX and showed my bank a credit score of high XXXX 's. I complained and without any change in my credit Experian has lowered my credit score two months in a row even as their information about my lower no debt levels have been used to justify lowering my credit score. 

The reason given in my credit score is " credit utilization ''. Basically, I had credit cards but no longer use them. I have a HELOC but the balance is going down. When my Refi kicks in and my HELOC is paid off I assume that Experian will decide that my credit score and credit utilization will result in credit dropping to XXXX?????? Is this really what a credit reporting agency is suppose to do when consumers improve their credit during the greatest depression on earth? Is this how credit agencies are suppose to act after promising to show constraint in the media? 

Experian is the only credit reporting agency that is promoting lowering your credit score using a promotion on TV called Boost. It is a  fraudulent ad that should be free to consumers who provide their own credit information to Experian to boost their score but in fact have to upgrade their account to receive it. This is FRAUD AND IT WILL NOT ACCEPT THAT THIS IS LEGAL. I WILL BEGIN TO FIND A CLASS ACTION LAWYER TO FILE SUIT AGAINST EXPERIAN FOR FALSE ADVERTISING AND BEGIN TO PUBLICLY SHOW THE FRAUD OF THIS FIRM.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Phoenix Financial Services LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was a medical debt covered by insurance and the provider did not file with our insurance policy within the 1 year allotted. This is from 2014 and being reported as if it happened recently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX the student loan was taken out for XXXX XXXX with my now XXXX uncle was the main borrower/ co-signer. The loan was predatory with in-fluctuation in interest rate. President Obama and congress set up actions against the predatory student loans companies. I was not able to finish school and therefore it became into repayment. I asked fo deferment or assistance. XXXX handled the the loan initially, they were unforgiving and I was asked to pay over {$500.00} a month. I was not able to afford and loan went into default and then charge-off status. I recently received a letter on XX/XX/XXXX in regards to attempt to collect over {$40000.00} with interest capitalization. Please assist with getting XXXX XXXX to stop the attempt collect on student loan that I am not able to pay and my XXXX uncle is XXXX XXXX XXXX  to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The 3 credit bureaus told me to file a fraud complaint with the FTC in order to get these items removed from 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 non-monetary relief
Consumer complaint received 2020-04-24
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Please get her some help with this. She really did attempt to get help from Coinbase. This all started with an offer from XXXXXXXX    to get a special deal. She has not been able to get any help from Coinbase even though they assigned case numbers several times. I fear that she has lose {$50000.00} or so in XXXX  and maybe even more from her checking account at XXXX XXXX which is tied to her XXXX account. Additionally, after exiting from her CoinBase account it showed only a {$3.00} balance. 

XXXX XXXX XXXX XXXX I am XXXX XXXX XXXX and needed one on one help with my {$50000.00} +/- Coinbase Cryptocurrency account and tried several times on the Coinbase Account site but could not find any one on one help. Then I went to XXXX and put in CoinBase Support and a site popped up and the phone number was XXXX. XXXX was able to do all the things I needed but toward the end of the session, to put everything back correctly on my Coinbase account they needed to make a {$5000.00} dummy transaction deposit from my bank to Coinbase, which would be refunded back to me in 5 days. At this point I got very skittish. He had been remotely in my Coinbase account and was connected to my bank by my coinbase account. I told him I couldn't do the {$5000.00}, why couldn't I do less. He said I had a Premium Account and {$5000.00} was the least I could use for the dummy deposit. I told him I'd have to think about it and would call him back tomorrow. He said no problem, but when he logged off, I realized my Coinbase account only had {$3.00} and some cents left in my coinbase wallet!! 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: FL
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:
equifax and XXXX will not take a dispute online, try to call get no response.reporting incorrect balances on 2 accounts, reporting incorrect credit lines, reporting 11 % credit usage, using less than 3 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Reliant Capital Solutions, LLC
State: OK
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a situation. 

Apparently, student loans can be garnished without a court order. 

My wages are being garnished for a student loan that is either not mine or has an enormous amount of bad information. Wrong name wrong amount wrong interest rate XXXX in unexplained late charges. I believe the only piece of accurate information is my social security number. 

The company that is garnishing my wages sent me a letter saying I had 30 days to dispute the validity of the debt. I sent a certified letter disputing the validity of the debt. They wrote back a very strange letter that seemed to indicate that because my name was not the one on the garnishment I could not dispute the garnishment. I think this reasonably means they do not believe that I am the person named in the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-02
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: Personal information incorrect

Complaint:
One of the addresses listed is associated to a fraud committed against me getting services from XXXX. It is : XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX and XXXX will not take a dispute online, try to call get no response.reporting incorrect balances on 2 accounts, reporting incorrect credit lines, reporting 11 % credit usage, using less than 3 %.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
During XX/XX/XXXX joint checking accounts held by my ( late ) Father and me were compromised by a home healthcare worker. She fraudulently gained access to the accounts and obtained a debit card while my Father was dependent and suffering from XXXX. XXXX  debit card transactions were executed in 20 months valued at {$57.00}, XXXX. No receipts have ever been produced for this activity. In addition, the homecare worker forged my Fathers name to at least 48 checks identified as forged by a nationally recognized handwriting expert. 

An account valued at {$270000.00} was overdrawn in 15 months due to debit card conversion and forged checks. Statement delivery to the account owners during this period was prevented by mail interception and password changes to online access. Further, the conservator refused to turn over the bank statements preventing discovery. Fraudulent activity was discovered after statements were subpoenaed in XX/XX/XXXX.  Bank was notified in XX/XX/XXXXand has thus far refused to acknowledge any role in enabling the forgery and fraudulent debit card activity. 

TD Bank is responsible for granting access to the account to a person with a history of writing bad checks off TD Bank without proper legal documentation. They failed to identify obvious check forgery and failed to notify the account holder when the velocity and amount of transactions exploded. The fraudulent activity was reported soon after it was discovered yet TD Bank has refused to acknowledge their responsibility sighting OCC rules regarding reporting forgery and debit card fraud. Contemporaneous reporting was impossible because of the suppression of the statements by the guilty. Further, the primary account holder was elderly, lived in a dependent state and suffered from XXXX making it impossible to review and report the activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: National Consumer Telecom & Utilities Exchange, 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: Personal information incorrect

Complaint:
XXXX, confirmation number XXXX, is reporting outdated, inaccurate and credit slander information on my report. There are double accounts, address ad current is almost 8 years old, and fraudulent I 'D theft accounts disputed with XXXX directly shown as current. They are Willfully Negligent in reporting and maintaining accurate information. I plan to also contact the California Utilities Commission to file a complaint and the .CA Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: SC
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:
The following accounts have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( 15 USC 1681 ) and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160, 162, and 164 ). 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Only reported to XXXX & XXXX XXXX I have a right to privacy under 15 U.S.C. 1681 Section 604 A Section 2 of the act, stipulating that a consumer reporting agency can not furnish an account without my written instructions.

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 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 was applying for my first mortgage and when my credit report was pulled it was brought to my attention that inquiries was still on my credit report. from all sorts of auto companies pulling my credit, and I do n't even have a drivers licenses only a state I.D and this is really stopping me from purchasing my first home. The inquiries are as followed. XXXX-X/XX/2016 XXXX XX/XX/2016 XXXX XXXX- XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016, XX/XX/2016 XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXXXXXX XXXX XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016

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 2021-09-03
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The night of XX/XX/2021 I was a victim of sim swap and I am a customer of XXXX XXXX XXXX XXXX is no help and they are not forthcoming as to how the swap took place. The thief stole over {$5600.00} of my coins in my Coinbase account and bought over XXXX in coins and transferred them. I got on wifi and saw emails popup about coinbase and locked my coinbase account/ reported fraud on XX/XX/2021. I could not figure out why the emails were disappearing. On XXXX I used a friends phone to call /restore phone service. That afternoon I started getting drafts of XXXX out of my bank accoun Zt. I closed my bank account. Coinbase has not been helpful. They penalized me for the fraud. I filed police and FBI reports. I staked my XXXX and coinbase withdrew that on XX/XX/XXXX to further punish me for the theft. Please let me know what I can do because no one is responding in a helpful way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I signed into my XXXX account on the due date to pay my card, which my account shows as it says I logged in on XXXX XXXX, yet my payment was marked as late and I was charged a late fee and finance charge. I have logged in again today XXXX XXXX XXXX to make my payment and now they only allow me to mark my payment as paid on XXXX, even though I am technically logged in to pay the account on XXXX. This is the only credit card company I have ever had this issue with. It seems as though they purposely mark your payment as late to charge late fee and finance charges. I have never been late on any payments on ANY of my credit cards, mortgage payments, student loan payments, etc, and have a perfect credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: EQUIFAX, 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:
I have a ton of inquires on my credit report that i did not authorize ( car dealerships ) .I tried to contact the credit bureau about these changes an the refuse to help me!!

Company response to consumer: Closed with explanation