BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just made a complaint about this company on XX/XX/XXXX, they replied to it on XX/XX/XXXX, stating they apologized, they will no longer make contact or attempts to collect this debt. I also have their original letter dated XX/XX/XXXX that states : TEXAS RESIDENTS : THE LAW LIMITS HOW LONG YOU CAN BE SUED ON A DEBT. BECAUSE OF THE AGE OF YOUR DEBT, WE WILL NOT SUE YOU FOR IT, AND WE WILL NOT REPORT IT TO ANY CREDIT REPORTING AGENCY. THIS NOTICE IS REQUIRED BY LAW. Well, after I disputed with them, filed complaint with CFPB and they said they would no longer attempt to collect, they put 3 amounts of debt on my credit report!! I was notified of this today. This is unethical and needs to be deleted from my report immediately. I do not have any negative items on reports until now with this bogus debt that was not my fault. I gave insurance to hospital, they billed and got paid. The physicians billing failed to do so. They have broken so many laws at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: SUNRISE CREDIT SERVICES, INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I rented a XXXX XXXX home in XXXX, NY from XXXX I paid the down payment and paid an auto drafted monthly bill from my XXXX  XXXX XXXX account to XXXX and XXXX XXXX for my electric ranging from $ XXXX a month. XX/XX/2018 I was charged {$1000.00}, which was clear to myself, my landlord and my bank branch manager that there was an error. Myself and my landlord called XXXX & XXXX and my branch manager wrote them a letter himself explaining there had to be a mistake. They sent out a technician and said there was no mistake and charged me anyway, even though it would be physically impossible for me to accrue an electric bill that high in such a small dwelling inside of a four week period. They have refused to accept any form of accountability that this was simply a clerical error and have turned the bill to collections which has not only hurt my credit, affecting me personally but has nearly doubled while in collections.

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 2022-09-01
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-09-01
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:
XXXX XXXX XXXX- {$2700.00} Wrong information do not know this account fraudulent XXXX XXXX XXXX - {$340.00} Fraudulent account XXXX XXXX - XXXX Fraudulent account

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 2022-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital one doesnt offer suitable arrangements for clients who have suffered financial lost due to XXXX XXXX issues. They do not offer any suitable way to lower the interest on the credit card after informing them of repeated XXXX issues and the options of XXXX  assistance do not help rectify the account. Therefore, I am requesting all telephonic communication on the credit card account to be put on a cease and desist and all communication or correspondence on this debt to be mailed to my address on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states 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 2022-09-01
Company: JPMORGAN CHASE & CO.
State: CO
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:
I have sent validation letters for debt attached to my name to XXXX  XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX  ) and JP Morgan chase Bank. None of these institutions validated the debt in the legal amount of time they are given to do so. They have received more than 1 letter to remove the debt along with all derogatory remarks over 5 months ago and still have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
This complaint is directed towards CoinBase global. Full disclosure I was not materially affected by this situation, but I did witness this situation take place and am submitting a complaint on behalf of everyone who was harmed because I want to add my voice to a call for CoinBase to do the right thing and make their loyal customers and investors whole. 

CoinBase recently listed the crypto token Shiba Inu on their CoinBase pro trading platform. Due to their botched rollout of the token, the price tanked and cost those buying the token on their platform most of their investment within seconds. 

Specifically what happened. CoinBase allowed purchase of Shiba Inu on their platform but not the inbound transfers of shiba Inu from other exchanges or external wallets. This caused the price of shiba into to become inflated far beyond its market value as traded on other exchanges. 

CoinBase stated that there was a technical problem with inbound transfers of shib, but failed to protect their customers in any way, by closing trading while the technical issues were fixed or closing their traders positions before they took actions which would crash the price -698 % in 1 hour. 

Eventually CoinBase would announce that inbound transfers of Shiba Inu would be accepted and the bubble in price of shiba Inu that exited on CoinBase popped as shiba Inu tokens flooded into coinbases exchange from outside exchanges and wallets. 

I do not believe that CoinBase intended for their customers to experience losses in this way, but it was their actions that appear to have caused significant pain for many people. As soon as I witnessed the price drop on my CoinBase pro account I went to CoinBase pros XXXX account and read a litany of complaints from people who lost a significant amount of money. If CoinBase does not compensate these people commensurate with their losses then CoinBase is contributing to a negative image of crypto as a whole. 

I continue to use CoinBase for my trading activities and as stated previously did not personally suffer materially losses from this situation. 

I simply want to call on CoinBase to DO THE RIGHT THING! And make people who were ensnared by this situation whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2019 I spoke with XXXX in Fraud Department Services regarding uploading my FTC report that list account XXXX/XXXX  XXXX XXXX to have it deleted/blocked because it is a part of my identity theft. Currently it's in dispute but he told me to call once FTC report has been uploaded to block/delete unfortunately, I tried for about an hour to upload the document through Experian upload and it never worked for almost an hour and the only way I could get it to them immediately is here through the CFPB

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 2022-01-11
Company: CITIBANK, N.A.
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 information incorrect

Complaint:
Good afternoon, I was impacted by the pandemic my last day in my office was XX/XX/XXXX. I returned and had no choice but to accept a demotion on XX/XX/XXXX making approximately $ XXXX less than I was making. I used up all of my savings to keep up with my payments. Before the pandemic I had an impeccable payment history. Never missed a payment. The Corona Virus Aid Relief Economic Security Act was enacted in XX/XX/XXXX stating Late payments should not be reported to the Credit Bureaus. I contacted CBNA/CITIBANK/BEST BUY letting them know of my situation. They close my account and put me on a payment plan. I was making my payments on time before the pandemic and after I was put on a payment plan, I continued making my payments. I contacted them and asked them to remove the late payments due to the pandemic letting them know of the Corona Virus Aid Relief Economic Security Act, asking them to please remove the late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they responded and refused to do anything about it. Before the pandemic I always made my payments on time. If it wasn't for the pandemic, I would be able to make my payments on time. I'm trying to refinance my house to pay off my credit cards but I'm not able to do so because CBNA/CITIBANKXXXXBEST BUY late payments information is affecting my credit score and my ability to do so.

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
Consumer complaint received 2017-08-28
Company: EQUIFAX, INC.
State: CO
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:
Went through a loan modification in XXXX with XXXX XXXX XXXX. My husband had a XXXX XXXX XXXX and had been out of work. Mod was approved at the end of XXXX, payments to start the trial mod in XXXX or XXXX. All completed on time as agreed. Final modification went into affect XXXX XXXX, 2017 was told throughout the process, the account would be updated to reflect current payments. Now I am being told that ca n't and wo n't be done. I would have not gone through all of this had I not been assured in several phone calls that every thing would be updated to current one the modification was approved. I could have paid XXXX and XXXX late and been current from XXXX forward. I would have been better off financially for sure. 
I only want the time from XXXX removed as that was the time to wait for the trial period to begin. I offered to pay the loan every month and was told not to do so. I think it is only fair to remove the 60,90 and 120 day plates as that is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the 3 credit bureaus, XXXX, XXXX and TransUnion on XX/XX/XXXX and nothing has been 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 2017-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Went through a loan modification in XXXX with XXXX XXXX XXXX. My husband had a XXXX XXXX XXXX and had been out of work. Mod was approved at the end of XXXX, payments to start the trial mod in XXXX or XXXX. All completed on time as agreed. Final modification went into affect XXXX XXXX, 2017 was told throughout the process, the account would be updated to reflect current payments. Now I am being told that ca n't and wo n't be done. I would have not gone through all of this had I not been assured in several phone calls that every thing would be updated to current one the modification was approved. I could have paid XXXX and XXXX late and been current from XXXX forward. I would have been better off financially for sure. 
I only want the time from XXXX removed as that was the time to wait for the trial period to begin. I offered to pay the loan every month and was told not to do so. I think it is only fair to remove the 60,90 and 120 day plates as that is not accurate

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 2021-09-11
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Social security was sending my direct deposit into a savings account and not a checking account and the reason why I feel that Wells Fargo bank has taken advantage of me and the other customers and consumers by opening up fake accounts with out the permission of the consumers and customers permission and authorization of those customers and consumers knowledge.wells Fargo bank was fined XXXX XXXX dollars for XXXX XXXX accounts with out the permission and authorization of those customers and consumers knowledge. A past employee that worked in the fraud department XXXX XXXX said that Wells Fargo was closing accounts that never should have been closed. Another thing that happened is that this husband and wife was charged over {$100.00} dollars in fraud this couple had trusted Wells Fargo to help this couple to become financially stable and that trust was not returned. This institution is supposed to be a professional institution but instead Wells Fargo bank has lost the trust of Wells Fargo bank. I can see now that Wells Fargo bank can care less about helping people and consumers and customers by taking advantage of people that are on a fixed income and people that are disabled and struggling just to provide for their families and loved ones.wells Fargo bank has lost the public trust. This institution is a sorry excuse for a professional institution. And I appreciate those heroes for standing up for not only me but for the other customers and consumers that trusted Wells Fargo bank to help those consumers and customers to become financially stable. And now I see how that because of all these illegal activities that Wells Fargo bank wanted those past employee of Wells Fargo bank and has been fired because of tell the truth about all of these illegal activities that they wanted those bankers to participate in.

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 2020-06-22
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: Public record information inaccurate

Complaint:
**Hello, My name is XXXX XXXX XXXX I repeating my complaint for some inaccurate items that still exist in my credit report. Please investigate these accounts as they are incorrect and not belong to me. 
**Credit cards** _XXXX  XXXX XXXX XXXX  XXXX Reported XXXX XX/XX/XXXX This charge off account is not mine, please provide me full documentation or delete it!!! 
_XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX This charge off account is not mine, I never receipt any loans or credit from this company. Delete it!! 
_ XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX Provide me full documentation or delete it!! 
_ XXXX XXXX XXXX : XXXX. XXXX, XXXX This account reported that I was late on XX/XX/XXXX, XX/XX/XXXX. However, I never late on this account. Please provide me proofs of payment or remove it. 
_ XXXX/XXXX XXXX XXXX : XXXX XXXX, XXXX This account is not mine. Delete it immediately!!! 
_XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Provide me documentation or delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: MD
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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