BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am seeking help to whoever can help me with my credit problem, There are several items on my report that I don't have knowledge of and i want them cleared from my report. I already sent you the dispute letter over thirty days ago but you still havent responded to me and i think that is a violation of the consumer rights. Please delete those negative items so i dont have to spend for taking legal action. TY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Caller claimed an old account from 15 years ago that was XXXX $ telling me they will sue me for XXXX was yelling and violent behavior claim to be with XXXXXXXX XXXX XXXX, then seemed to be threatening me with the fact they have all my information somehow, XXXX  the phone number and it says they're a scam thier number is XXXX when I said I thought they were a scam they started calling me restricted approximately 25 times in a 30 minute period either hanging up right away or say mean things and hurl insults then hang up

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: TN
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:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Experian Information Solutions Inc.
State: MA
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 # 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 15 U.S.C 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I wish to practice my right as a customer of Coinbase to use your organization 's service, seeking a formal, impartial investigation to amicably settle my dispute ( Ref : # XXXX ) with Coinbase. In order to clear up the myriad of letters and correspondences I have hitherto sent to Coinbase respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case and analyzing the relevant facts in an objective and comprehensive fashion. It is crucial to note that I have been manipulated, socially engineered, and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognize that I am the victim of an investment scam. My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of Coinbase to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, and protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers. During the complaints process with Coinbase, I found their communication ineffective, which further hides their conduct to management and diminishes the service offered to their clients. They are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem that they choose to manage in a way that is not in line with the rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients. 

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by Ethminingsvip.com which involved me making deposits for a total amount of XXXX USD from my Coinbase account to the fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are 2 lates that are showing on my credit report for my XXXX XXXX XXXX credit card when they weren't late and hte company had issues with there website and was down when i tried to make the payments. 

It was in the month of XXXX and XXXX of 2023. The company is going through a bankruptycy and the card site was down. They didnt mail me the statement till after the due date also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am the Person On Death ( beneficiary ) on 3 accounts from my deceased aunt, XXXX XXXX. A mature CD, a checking account, and a savings account. All 3 accounts were sent to the Wells Fargo XXXX XXXX on XXXX. There was no attempt to notify me. I learned of the accounts via the XXXX from the XXXX XXXX California XXXX XXXX department. The State advised me that I need to claim the funds from Wells Fargo by XXXX in order to avoid the funds being turned over to the XXXX. I have been attempting to retrieve my funds from Wells Fargo XXXX XXXX since the beginning of XXXX. 
I have 3 Case Escalation numbers, as follows : # XXXX, # XXXX, # XXXX. I have had no resolution. I have just been told to wait. All phone numbers and emails provided for Wells Fargo XXXX XXXX simply result in opening another claim. 
I started with the employees at my Wells Fargo branch at XXXX XXXX XXXX, XXXX Ca XXXX. I have spoken with Banker XXXX XXXX, Branch Manager XXXX XXXX, Regional VP XXXX XXXX, and am awaiting a call from President XXXX XXXX. All Wells Fargo employees were extremely sympathetic and tried to help. They all expressed embarrassment and their own feelings of frustration in not being able to reach anyone in their own Unclaimed Property department. None of the Wells Fargo employees were able to contact the Wells Fargo XXXX XXXX department. 
At this point Wells Fargo has effectively stolen the funds. They will not return them to me, the clearly designated POD. Nor will the Wells Fargo XXXX XXXX department even communicate with me or any employee at Wells Fargo. 
I have all documents, emails, copies of correspondence and account numbers, and am happy to provide whatever is needed to facilitate my claim. Thank you for your attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

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 2023-11-30
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had previously file you a report on XX/XX/2023, requesting an investigation into the information being reported on this account. However, I received a response from you stating that the account was verified and there would be no change. Subsequently, I reached out to the creditors for verification of the information but received no response. I repeated my request for verification but still got no response. I have now exhausted all possible means to resolve this matter and demand that the account be deleted from my credit report as it is invalid and unverifiable. According to the Fair Credit Reporting Act, if there is no proof of debt and no verifiable information, then the information can not be reported to or by credit bureaus. Please take the necessary steps to remove the following accounts from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
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: Reporting company used your report improperly

Complaint:
My mortgage loan was paid off to XXXX XXXX XXXX XXXX on XX/XX/XXXX and received by XXXX, and spoke to agent who said since they don't have the manpower to credit it on the XX/XX/XXXX because it was received after XXXX I would be charged interest because they would credit my account on XX/XX/XXXX, and I have an escrow account so am owed a refund for PMI/property taxes/insurance. The loan was paid off on XX/XX/XXXX so the balance is XXXX  and XXXX transferred my loan without my knowledge although I had several conversations with them before it was paid off in XX/XX/XXXX to XXXX  XXXX XXXX in XXXX, Texas. Some customer service agent their was very dismissive/passive about my loan. Now it is showing I owe $ XXXX in mortgage loans on my 3-credit reports AND my credit score was dinged 75 points for all credit bureaus when I am in the middle of buying another property and these folks at XXXX XXXX XXXX servicing do not know who transferred the mortgage loan over gave me three unknown names not affiliated with Loancare/Cashcall and reported a balance of {$290000.00} when there is NO BALANCE DUE ON THIS LOAN!!!!!!! I made a mortgage payment to XXXX in the amount of {$1900.00} on XXXX.WHAT IS GOING ON?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XXXX XXXX I received an email from XXXX XXXX that I have an outstanding debt with XXXX XXXX XXXX them to validate this debt. On XX/XX/XXXX I requested from XXXX XXXX that the debt to be validated, their response was that the Debt was sent back to XXXX XXXX XXXX. I was then sent a letter by usps from a Stillman Law Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX. They stated that i owed a XXXX to XXXX  XXXX XXXX. On XX/XX/2023. I requested for them to validate the debt by providing me with the signed agreement bearing my signature, On XX/XX/2023 I received Priority mail from a " XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX ''. This mail contained a small claim writ from Stillman Law attorney for XXXX XXXX XXXX. it contained an assortment of documents with signatures by person in several jurisdiction namely Georgia, California, Michigan, Virginia and Connecticut. What was not included is the agreement which i supposedly signed. When I called the Clerk of Court to get more information, there was none available. Up to the point of me filing this complaint, I have not received that agreement with my signature nor the Answer form from the Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit 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:
During a stay at the XXXX XXXX in XXXX, Arizona there were XXXX stains all over the bed ( I have photos ) and what appeared to be bedbugs. I refused to stay there and demanded my money back, they refused. 

When I disputed the charge with Capital One Mastercard the credit card company refused to send my response to the vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: CA
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:
I am writing to dispute the accuracy of several accounts listed on my credit report, which I believe to be inaccurate and damaging to my creditworthiness. The following accounts were reported erroneously, using someone else 's information : DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX , DEPT OF EDUCATION/XXXX XXXX, XXXX XXXX XXXX XXXX, DEPT OF EDUCATION/XXXX XXXXXXXX XXXX and DEPT OF EDUCATION/XXXX XXXX XXXX I request the immediate removal of these inaccurate accounts from my credit file, as they do not belong to me and are adversely affecting my credit profile. I kindly ask for your prompt attention to this matter and expect the completion of your investigation within the statutory time frame. Your cooperation in rectifying these inaccuracies is crucial to ensuring the fairness and accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Bread Financial Holdings, Inc.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022 I applied for a XXXX XXXX credit card in order to receive discounts. The terms and conditions were never disclosed, mainly the interest rate. When I received the card and terms and conditions in the mail on XX/XX/2022, I immediately called the phone number on the paper work. Told them due to the interest rate on the card I would not be activating the credit card and did not accept the terms and conditions. I was told I " automatically '' accepted the terms and conditions when I applied, but how can you accept something you are not provided a chance to review? I informed the customer service rep that without my consent the account could NOT be opened. AND my consent was not giving after receiving their terms and conditions. Today, I received notification that there was a change in my credit report. Commenity Capital Bank aka XXXX XXXX reported the account as opened and closed. I again immediately called and told them I DID NOT accept their terms and conditions. I was informed they were not required to disclose the terms and conditions during the application process, that is simply NOT true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I added money to a SECURED credit card with Bank of America. I requested a credit limit increase by their website and was " approved '' gee thanks after all it is my money. This was confirmed by a letter from the bank dated XX/XX/2019. I received other letters negating the transaction. On XX/XX/2019 {$1000.00} was removed from the secured account and listed as a " fee ''. The money has vanished. It was not sent back to the checking account and I have no physical check or communication as to where the money is. Worst of all not only am I being denied " credit '', I am being denied access to my own money. These lying cheating thieving malefactors should be fined at the very least and this RICO bank busted into a zillion tiny pieces.

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 2023-09-27
Company: Block, Inc.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 I tried making a purchase with cash back at XXXX XXXX. Unbeknownst to me, there was an outage on XXXX end, where the app was completely unusable. I made the transaction but on my end, it denied, so i tried a few more times. At this point, You can see multiple declined transactions on my end but nothing went through. I was able to refresh my app about XXXX minutes later and my money was GONE. {$51.00} GONE. it said the transaction went through but on my end i got NOTHING, DENIED TRANSACTIONS. Cashapp is WELL AWARE of the app being down at that date and time. I disputed this transaction XXXX TIMES, tried contacting support several times and i am getting NO WHERE. This was an issue on XXXX end, not XXXX, nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to inform you of a violation of my consumer rights by Equifax. Upon reviewing my credit report, I noticed several hard inquiries that were made without my consent or authorization. Specifically, on XX/XX/XXXX, there was a hard inquiry by XXXX, on XX/XX/XXXXXXXX there was a hard inquiry by XXXX, and on XX/XX/XXXX, there was a hard inquiry by XXXX. 

These hard inquiries were made without my knowledge or consent, and as such, have violated my rights as a consumer. Pursuant to 15 USC 1681a ( 2 ), I have the right to be informed about the nature and scope of the investigation conducted by Equifax. Pursuant to 15 USC 1681a ( 3 ), I have the right to know the sources of information used by Equifax in compiling my credit report. Pursuant to 15 USC 1681a ( 4 ), I have the right to be informed of any person or entity that has received a copy of my credit report within the last year.

Additionally, pursuant to 15 USC 1681a ( b ), Equifax has a duty to ensure that the information in my credit report is accurate, complete, and up-to-date. However, these hard inquiries were made without my knowledge or consent and have resulted in inaccuracies on my credit report. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( a ) ( i ), Equifax is required to maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in my credit report. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( a ) ( iii ), Equifax is required to conduct a reinvestigation of any information disputed by a consumer and to modify or remove inaccurate or incomplete information.

Furthermore, pursuant to 15 USC 1681a ( d ) ( 2 ) ( b ), I have the right to request that Equifax reinvestigate the accuracy of the information contained in my credit report. As such, I have already written a letter to Equifax requesting that they investigate the inaccuracies resulting from these unauthorized hard inquiries.

I am deeply concerned about this violation of my consumer rights and request that the Consumer Financial Protection Bureau take action to ensure that Equifax is held accountable for their actions and fully deletes the hard inquiries that are reporting inaccurately.
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: I.C. System, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A Collections report has been filed on my credit report 3 times by IC Systems for a debt of {$150.00}. Not only is the debt not mine but they are repeatedly flagging my credit report with the same debt. Are the collections companies permitted to report the same debt more than 1 time? I have read that they are not.

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