BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-06
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: Credit inquiries on your report that you don't recognize

Complaint:
There are addresses, collections and inquiries that are fraudulent. I have mailed a number of letters and documentation with no response. 

The following collection accounts that are fraudulent and connected to addresses that do not belong to me include XXXX XXXX XXXX ( XXXX XXXX XXXX for {$510.00} ), XXXX XXXX XXXX ( XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ).XXXXthe inquiries are XXXX XXXX XXXX ( on the datesXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ),  XXXX XXXXXXXX ( XXXX XXXX, XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XX/XX/XXXX ( XX/XX/XXXX ), XXXX XXXX (XX/XX/XXXX), XXXX XXXX XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 

XXXX XXXX XXXX reporting on all 3 bureaus inaccurate XXXX XXXX  XXXX reporting on all 3 bureaus inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 Bureaus inaccurate XXXX XXXX reporting on all 3 bureaus inaccurate Independent eXXXX XXXX XXXX Reporting on all 3 bureaus inaccurate XXXX XXXX XXXX  XXXX **** reporting on all 3 bureaus Is inaccurate and it keeps being removed then added back which is breaking another law which ( XXXX ) should be fined, its obvious the multiple inaccuracies where shown.

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 2022-01-18
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: Account status incorrect

Complaint:
on XXXX The XXXX XXXX XXXX XXXX closed out my student loans and transferred it to XXXX XXXX XXXX XXXX As a result my credit scored took a XXXX point drop with Transunion. Transunion is stating that I have to wait to XXXX report it which could take 30 to 90 days. In the meantime, I have to deal with a drop in my credit score from action which was not of my own doing. this may adverse affect my ability to get a loan or a mortgage if I chose. What can be done to remedy this? This is patently unfair and seemingly deceptive. It is absurd that I should be punished for an action I did not take and TransUnion says there is nothing they can do about it which I dont believe 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 non-monetary relief
Consumer complaint received 2021-08-04
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Last Monday XXXX XXXX my Chime account was locked. Since then, I been calling and emailing with my proof of identity and they still will not unlock my account nor just send me a check for my funds. They keep saying they are working on it or they need another proof of identification. I sent in my driver license, passport and resident card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX Bank is reporting account that I do n't recognize. Acount number that they are reporting is XXXX. I have sent letters to Equifax, XXXX and XXXX XXXX asking them to delete this account from my report becouse it is serious violation of section 609 of the Fair Reporting Act. None of the bureau did not delete this item and it is seriously hurting my Credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I transferred about XXXX Bitcoin cash ( BCH ) from my another account to XXXX. At XXXX XX/XX/XXXX, Coinbase showed that transfer has been completed from Coinbase to XXXX. However, till now (XX/XX/XXXX ), XXXX has n't show the XXXXBch. 

I have submitted the ticket and the guy just keep telling me they are working on that but there is zero update.. and the attitude was terrible. I lost XXXXBCH now/ ( Worth about $ 30K!!!! )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: EQUIFAX, 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:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
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 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 2017 my score was XXXX ( see attached ) my score is now XXXX and I have no late payments. There were some unnessary hard enquiries on my credit file without my knowledge. There may have been as many as three ( 3 ) by XXXX XXXX. I see no reason why my score is this low.

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 2017-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XXXX, 2017 I paid XXXX XXXX credit card company the amount of {$500.00}, which is the total of what I owed. The XXXX XXXX XXXX I received a bill from XXXX XXXX stating that I owed them. Which I knew could not have been true because I had just paid my owed debt out leaving a {$0.00} balance on my account. I have been a XXXX XXXX  card holder for about 4yrs. always paid my bill on time except twice. I 've paid over the amount asked. I have not have any problems with XXXX XXXX until now. When I called to find out the problem they told me that I owed XXXX, which as I told the lady that could not be so as I have n't order anything from XXXX. The lady called XXXX and let me speak to them this was cleared up with XXXX and they said they would make the adjustments, I received a e mail from XXXX  stating that the mistake had been corrected. I still received notices from XXXX XXXX that I owed money, by this time I am irate with them because I made it my business to paid XXXX XXXX and a couple of other bills completely out that my credit would be up to part. Now XXXX XXXX said I owe a member ship fee and from my statement I paid that it was covered by the XXXX paid them. This is wrecking my credit which I am trying to make right. I called XXXX XXXX again stating that I wanted them to close the account because I did n't owe them and the late charges were outrageous. The gentleman said that he had closed the account yet XXXX XXXX XXXXontinues to send me notices and bills, threatening me with not being able to use the card I canceled if I do n't paid. Please can this matter be straighten out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: DISCOVER BANK
State: AZ
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:
This is to dispute information listed on my XXXX XXXX XXXX ( XXXX ) Report ; I have no knowledge of the Discover account listed on the report. I believe that that account was possibly fraudulently opened in my name in 2016. The phone and email address listed are not mine. Attempts were made to contact Discover ( via XXXX XXXX ) to ask for the address so as to write to Discover directly but they were unable to supply the address so Im seeking help from CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01
Company: ID Analytics, Inc.
State: MT
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:
I received a letter from XXXX XXXX dated XX/XX/2019, indicating I was denied credit because of a low credit score. The list of reasons for the low score provided by XXXX XXXX make clear that the file held by the reporting company XXXX XXXX contains errors. I have attempted to contact XXXX via phone, leaving voice messages several times over the last week, but they have failed to contact me.

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 2018-12-24
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: Their investigation did not fix an error on your report

Complaint:
This complaint is for XXXX  and Experian. I was a victim of identity theft and sent in my police report and both of these bureaus refuse to block the negative reporting of these items, although they have to by law. I have been in contact with them several times and haven't been given a reason as to why they haven't removed this information. These items were made without my knowledge and i am now being negatively affected by these items and i am not getting assistance with this issue by the credit bureaus. this is my third complaint.

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 2019-11-08
Company: EQUIFAX, INC.
State: WI
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 was recently went to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I got in contact with Federal Trade Commission and police. I need your help. These items need to be deleted from my credit report XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-31
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I sent my student loan payoff amount in the form of checks to NAVIENT. I sent 9 checks to repay my student loan with an overage amount because I refinanced and the title company made them out for a previous month 's payoff. I instructed them on how to apply and its over a month and they have only applied two small checks. I 've called multiple times and they keep telling me to check online. All the checks were in the same envelope and I do n't understand why they ca n't apply my full payment even after multiple calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Diversified Consultants, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, XXXX, I filed an " Initial 90-Day Fraud Alert '' which entitles me to a free copy of my credit report. I discovered a fraudulent tradeline from a collection agency ( Diversified Consultants ) originating from " XXXX XXXX '' on my XXXX  credit report. I also noticed two names and a phone number I have never used on my credit report, so I completed an FTC Identity Theft Affidavit ( and police report ). 

This debt is not mine, I do not know where the debt originated. I can presume it is related to the fraudulent names and phone numbers on my credit report, but I do not know for sure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Bank of America repeatedly allowed my account to be accessed by people who were not signatories to the account. Bank of America, as is thoroughly documented in court filings, improperly charged fees to my account. As a result of Bank of Americas repeated acts of fraud and negligence, my account became overdrawn. 

https : XXXX Unfortunately, Bank of America refuses to acknowledge its negligence and fraud and instead has decided to put a fraud notation on my XXXX credit report. 

Bank of America insists on blaming me for its own negligence despite admitting in court that issues like mine were demonstrably a result of its own negligence. Bank of America has continued to make fraudulent statements in writing when confronted with an obvious case where it is at fault. Bank of America is recalcitrant and has deemed itself to be the jury, judge and executioner in cases where it negligently allows fraud on its checking accounts and then racks up fees in a very clear cut case of criminal self dealing.

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 2021-07-17
Company: Grant & Weber
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2019-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Consumer Financial Protection Bureau To Whom it may concern : Im contacting you to complain about a fraud that was done when someone paid for purchases at XXXX and paid for them with my savings account at Bank of America using a debit card. 
I talked to Bank Of America thru the call center and the supervisor and showed the data that I have to show that purchases totaling {$14000.00} were not done or authorized by me. I have printed the chat with XXXX, my traveling passport that shows that I was not in the US when these purchases were made and I sending you copies. Then Banks only response is that I have been in the XXXX website numerous times and did not notify these unauthorized purchases so they assume it was me. They should be investigating who actually made these purchases and where did they go. 
Ive talked to XXXX, I have copies of the chat which Im resending to you, and to the Bank, where they say that the account was created with my personal information and with the data I supplied obviously they dont believe me and that is the reason they can not give me the IP and physical address were the purchased items were delivered. If the Bank thinks there is fraud, then the Bank can request the information and XXXX will supply it. 
The Banks keeps telling me that because I did not notify them within a certain time the Bank will not return the monies to my account. I know the Bank is responsible to protect my money and all they say is Im sorry. Seems to me that they are protecting someone, in this case, someone within the bank, someone that obviously has mi information and knows that I was not checking my balances, I just pay the balances on my credit card, and my savings account do not check it. My credit card is linked or used to pay XXXX but not the debit card, my debit is not, and this is the card that was used to pay for the purchases. 
Ill leave in your hands all this information, but I want the Bank to get me the IP of  pc or phone where the purchases were made and the address to where they were delivered.

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 2019-04-27
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019 I received letter from my bank that collection agency Mid Valley Collections Bureau had levied against my bank account for money owed by a judgment debtor. The debtor has a different name than me, but according to the collection agency he used my social security number. On XX/XX/2019 I sent letter to attorney for the collection agency, Law Offices of XXXX XXXX, and called to notify him that he had attached the wrong bank account. I spoke to XXXX XXXX, attorney handling the case, and he was indifferent to this information and refused to provide any information on the debt, stating that I was not a party to the lawsuit and he could thus not disclose any information. On XX/XX/2019, thru my daughter, I called Mid Valley Collections Bureau, not the attorney, and told them that they had levied against the wrong bank account and that the debtor had fraudulently used my social security number. They told me to call their attorney. I filed police report with the Sheriffs on XX/XX/2019 and complaint with the Federal Trade Commission on XX/XX/2019.

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