BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-04
Company: DISCOVER BANK
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I was renting out my house on XXXX  XXXX. Someone stole my phone and my wallet to make fraudulent charges. 

I think they sent in some documents to fake my identity and " verify '' as me. 

Discover has been said that they found that it was not me and there was fraud on my account but they refuse to remove the charges.

Now my credit card is reporting late payments and messing up my credit score for something I NEVER even did.

Discover has agreed it was Fraud but they are charging me still, that's against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Lima One Capital, LLC
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Through my XXXX, XXXX DE XXXX, i entered into a loan agreement with Lima One Capital for {>= $1,000,000} subject to certain terms and conditions. Lima One provided and we signed a term sheet that included details on the loan including ; term, amount, interest rate, and prepayment penalties. I was also informed verbally that i could prepay up to 20 % of the loan each year without penalty, this was later confirmed after the loan closed via email. The loan documents provided to me incorrectly detailed the prepayment penalty and omitted the 20 % paydown feature. I raised the issue with the legal department who admitted to the mistake and agreed to change the prepayment penalty terms but not to honor the 20 % paydown feature. Also since Lima One has contractor XXXX to handle the loan servicing, Lima One through its servicer ( XXXX ), has not honored their obligation to service the escrow account. They have not paid taxes on time nor insurance, which has resulted in late penalties with the cities as well as affecting my other business endeavors within those cities, as i am considered a delinquent tax entity. They have also allowed insurance policies to lapse because of non-payment even though my agent and i have provided them with 2 months advance notice of pending renewals. I have attempted to resolve these issues with both Lima and XXXX but if i am able to reach a representative i receive apologizes and confusion, but no resolution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT FROM XXXX, TRANSUNION, 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 2020-01-04
Company: Millco Management
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried for years, to tell all 5 of these derogatory medical " bills '', that XXXX XXXX would've paid these. They are all either false, or been paid in full by XXXX XXXX. And yet they still drag my name through the mud. It's kinda funny, that out of dozens or possibly hundreds of medical bills, these are the only 5, XXXX XXXX didn't pay for me. Ask XXXX XXXX in XXXX, NC how many years I was covered by XXXX. I'm sure all of these are in the same time frames.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: OR
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that items are100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent {$300.00} through money gram to my mother in XXXX XXXX. She did not get the money or a Receipt. She did not signed any paper that the money was given to her because of money was never given to her or a receipt and I called moneygram multiple times and they keep on telling me that the money was given to my mom but theres no proof that that happened because the store never gave her the money or the receipt in XXXX. I dont think its fair to lose this {$300.00} for a technical issue that is not in our hands the company needs to be responsible for this money we work really hard for this money and my mother needs it for her medicines

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XXXX I was the Victim of CRIMINAL ID THEFT. I had to go to court and travel back and forth between 2 different states to resolve the issue and clear my name. 

I was advised to add my mothers maiden name to my last name to PREVENT IDENTITY MIX UP / entanglement. 

After a lot of time, the crimes were no longer attached to my name and I had a new last name. 

In XXXX it happened again. Except I discovered I was the victim of credit ID theft. 4 credit card accounts were opened without my knowledge or consent or my benefiting. They were defaulted and sold many times from one debt buyer to another. 

My credit was destroyed. 

Ive spent YEARS TRYING TO fix it but in XX/XX/XXXX I was sued by XXXX XXXX for {$990.00} for one of the credit cards that was obtained fraudulently by someone using my information without my consent. 

I reported this to the police. 

I AM 100 % willing to press charges against the person doing this to me. 

I filed a complaint with FTC. 

I am defending myself in court against XXXX debt buyer. 

I requested TransUnion block the accounts that were opened as a result of my identity being stolen and received a response stating MY POLICE REPORT DID NOT APPEAR LEGITIMATE! 

But the fraudulent accounts were deemed VERIFIED. 

For 3 years fraudulent information was being reported against me and I didnt fight back because I felt powerless. 

Even though I received letters from 2 different debt buyers and XXXX XXXX stating they agreed that There was fraudulent activity and I was not liable.

How could TransUnion find a legitimate police report frivolous but fraudulently opened accounts verified? 

What system are they using? Who is benefiting from my credit having a lower score? What can be 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 non-monetary relief
Consumer complaint received 2018-12-24
Company: LEXISNEXIS
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
So I got a report from Lexis Nexis and has a listing of 82 pages of incorrect information on me including dob occurrences and just wrong information on me. It makes me mad that they use this information against me first off, second all the information is incorrect. I need some help and I tried calling but they dont take it serious. Please help. Thanks. 

I also have pages and pages of incorrect information XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2020-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

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 # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

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 2020-01-04
Company: AmerAssist A/R Solutions, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Experian Information Solutions Inc.
State: PA
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:
Experian keeps removing current Employers on my credit file as XXXX XXXX in which is on some reports. Experian has issues with correct information. on reports going back over a year XXXX XXXX is not showing on the credit report I work here since 2015

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 2020-04-26
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2013, XXXX XXXX XXXX XXXX XXXX issued a loan in the amount of {$500000.00} to someone for a property in XXXX XXXX, NY, XXXX. She had 75 % interest in this property and did not consult the heirs who had 25 % interest in this property before taking this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I no longer have access to my account as its been 'temporarily disabled ' by Coinbase following a number of incorrect password attempts. I 've contacted Coinbase on the XXXX XXXX 2017 ( support case : XXXX ) asking them to re-enable my account to manage my wallet. I did n't receive a response, even after a chasing email. 

I raised another case ( XXXX ) since and received a generic response linking me to a guide to reset my password, which is unrelated to my issue ( I did perform a password reset in case this was the resolution, however it was not ). I replied to this email with screenshots of the 'temporarily disabled, please contact support ' message, but still have not received a response. 

Until Coinbase unlock my account, giving me access once again, I can not access any funds in my wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : - ; XXXX  XXXX XXXX Balance Owed : - ; XXXX  XXXX Balance Owed : {$2.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$2100.00} ; XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX *** Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX XXXX : {$510.00} ; XXXX  XXXX XXXX Balance Owed : {$53.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; According to FCRA XXXX XXXX ( a ), the XXXX REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-01-04
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to get my free annual credit report from XXXX but it never verifies my information. None of the questions they ask pertain to me. None of the information is mine and it doesnt matches anything. I need my equifax, XXXX and XXXX updated reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXXXXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # 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 2019-09-13
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
To whom it May concern ; I file this complaint, because I was a victim of fraud through a store in the XXXX XXXX, which sells the XXXX product, apparently the young woman who sold me the product, used my credit card to continue using it without my authorization and is reflected in my bills of the XXXX Master Card shop your way credit card. Due to fraud I call the customer service and cancel the credit card. I made the complaint, the investigation was done and the fraud staff of shop your way credit card sent me a letter with the solution of my case and " they eliminated the charges, interests, etc. '' The situation now is that the account number of the solution is not the account number of the card where the fraud was made, apart from the company shop your way, they change the number of the card account where the fraud was made, and they put another account number without my authorization, apparently now I have three different accounts and all with my name and address. Every time I call customer service XXXX they tell me that I have three cards when I only had only one, the one I canceled for fraud. It turns out that I sent my payments to this account and they charged me. When they sent me my account statement, I didn't notice that my payment wasn't going down, and I realized that the bill account number is different from the real number of my account. I have so much confusion, and so much trouble with these people from shop your way that now I feel that they are also making me fraud, that's why my complaint. I have not sent any more payments because I feel they are robbing me. I have not seen that they have eliminated any charges, because the account that appears in the solution letter is another account number. I need you to investigate them please, thank 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 explanation