BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
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: Credit inquiries on your report that you don't recognize

Complaint:
I have two credit inquiries on my credit report which I didn't authorize and are a result of someone using my name and personal information. The two fraudulent credit inquiries are : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX is reporting a negative mark on my credit report which was a result of identity theft. They sent me a letter stating they can not validate the debt, they have refused to sign a sworn affidavit stating that the account in question was mine and that they have a signed contract with my wet signature along with the wet signature from someone in their company.

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 2021-09-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I couldnt check my bank account for a while because of my sickness. 
I got victimized of unauthorized transaction fraud amount of {$20000.00} ( XXXX XXXX XXXX XXXX transactions ) I just called wells fargo customer service on XX/XX/2021 and they made claim for me but I have received no response yet.

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 2018-11-28
Company: PNC Bank N.A.
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:
XXXX has been non-compliant with removing the unverified account PNC BANK which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that PNC BANK was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: NE
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:
Per the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, last reported date, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing the following items. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.

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 2022-09-07
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:
I have sent XXXX letter for them to find out the original documents with my signature on it they never respond to me correctly the answer was from them everything was verified, and it will stay on your credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : Account number 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: KY
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:
Personal Statement : Pursuant to 18 usc 8 I do not owe debt to the companies listed nor did I reach out for credit with any of these companies either. These companies are violating my right to privacy pursuant to 15 usc 1681b. I did not give any of these companies permission to run my credit nor report any information on my credit report pursuant to 15usc 1681-4. 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

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 2021-09-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX and I've sent in several documents plenty of times in regards to being a victim of identity theft. I have 5 fraudulent accounts on my credit profile. I've contacted the credit bureaus several times as well as file a theft affidavit. I filed a complaint with the Federal Trade Commission and the CFPB. 
I'm unsure as to why the items haven't been removed. Can you please delete the fraudulent items from my report ASAP. I've enclosed copies of everything. 
Thank You XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: PNC Bank N.A.
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:
XXXX has been non-compliant with removing the unverified account PNC BANK which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that PNC BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
First called from a local number then left a voicemail that stated they were from some place called XXXX XXXX out of XXXX Ga. They threatened legal action stating I owed money to a place called Cash Central and that they were getting ready to file paperwork for legal action and that the processing servers were looking for me as we speak. I do not owe any debt from said company. They have repeated called relatives and others looking for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: AXOS FINANCIAL, INC.
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
My 12 mo. CD@ 0.20 %, was up for renewal on XXXX-XXXX.The new rate was 4.75 %. 
On the last day of my grace period, XXXX, I called to make sure I would be renewed at the new higher rate. The rep told me he could not do this over the phone ; I would have to go online, close out my CD, open a new one, then transfer the balance of {$84.00}, XXXX to the new one! I would incur a penalty of {$84.00} when I did this. When I got online to do this, the Axos website was down, so they told me I could have until tomorrow to complete the procedure. The next day while attempting to do this, I was prompted for security reasons, to upload a picture of my driver 's license to their form. I am XXXX yrs. old and had no idea how to do this, so I emailed them at the bottom of the form and requested they take care of this on their end and renew for 12 mo. @ 4.75 %. This did not happen, and I am now renewed at 0.20 %. Why was my Cd not renewed automatically at the new rate as with every other CD I have ever owned? I have owned this CD with XXXX/Axos since XXXX  and have never had an issue before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following accounts need to be removed as they are fraudulent. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: HI
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:
XX/XX/XXXX, XXXXIssue : Unlawfully funded auto Loans. 
XX/XX/XXXX, XXXXReport filed on Company Disputes/Phone contacts to company on reporting wrongfully on my Credit profile With all three Credit Bureau 's, and reach out about action of reporting and no change. 
These reports of dispute were filled started XXXX. It started during COVID time. And at the time state of CA stated no credit issue would damage my credit profile due to due to COVID-19. I also filed a hardship which the company told me it wouldn't hurt my credit report in any kind of way. And they lied and put on my credit report negative 30 days & 60 days late. Which in return destroy my credit profile. I had to pay more in fees, and was declined in loans and declined in purchasing a home. This as been a ongoing battles that must be fix asap. I also have file with other companies too. There has been unlawfulness and violations of FCRA also the FDCPA, TILA.

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 2022-09-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have constantly been mailing disputes to Equifax regarding negative reporting accounts. I have yet to see any changes and feel discouraged. I am not getting any results with handling the issues at hand. I am simply seeking for the buera to provide 100 % proof that the negative accounts belong to me. I have no knowledge of the accounts being reported. The buera is not completing a Thoreau investigation they are simply marking the accounts as verified to just move on. This is not right for the information to be held on my report without any written proof of any claims or some type of supporting documents. Accounts that are not being accurately reported is defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I went to pay my bill. I paid the minimum payment that month of {$240.00}. Previously, I had a card limit of {$13000.00}, my current debt with the card taking about {$9000.00} or so a the time. After I had paid the amount due for the month, I noticed my available credit was only {$240.00}. I dug around and noticed my credit limited was reduced to about {$9300.00}. I immediately called up the card 's customer service line trying to get an explanation. 

I was told that they had sent a letter in the mail-this was not true. To this day I haven't received any mail regarding this. I was also then told to check my online account as odds are there was a notice there. Surely enough, there was a notice that was hidden indirectly in a cumbersome UI. In the notice, it stated that as of XX/XX/XXXX, Citi opted to reduce my limit for the following reasons : Your payments were low on one or more of your accounts with us. 
Your credit report shows amount of credit available on accounts is too low. 

Citing a credit report from XXXX, I was confused. While my finances are going through a bit of a rough spot, my XXXX Score at the time was XXXX. The notice urged me to check with XXXX, who confirmed the following : I've had this card for 22 years with absolutely no late or delinquent payments. 
There were not major hits to my credit score up until that point. 

After that, I reached out again to Citi Customer Support to relay this information, and the phone attendant put in a request to reinstate my previous credit line. I followed up with this on XX/XX/XXXX, in which I was told my request was not only denied, but I was also denied from any sort of credit change until XXXX. 

This decision to suddenly reduce my credit without justifiable cause does far more damage to my credit than whatever Citi thought I was doing. This is how they treat a longtime customer of 22 years with NO late payments, NO delinquent payments. The best part of this is in the notice, Citi offers " advice '' on how to mend credit scores. Here 's one point that stuck out to me : Be sure to pay at least your minimum payment due by the payment due date each billing cycle That's EXACTLY what I've been doing! A fact cited by XXXX, who Citi used as a source. Citi has upped their APR to 22 %, and cut my line for no reason other than thinking that I'll pay more per month. This is EXTORTION. This is a massive betrayal of my trust and causing me financial stress during a period where I am borderline homeless. This company is disgusting.

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 2018-11-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2013, I filed for a divorce. I had to do a modification on my home. I submitted a quick claim deed and a divorce decree stating my husband name is to be removed for the loan. I was approved for the modification using only my income and my information. My ex husband information was not used because he was to come off the loan. I would like for Chase to correct their error and remove his name from the loan. I have been paying the mortgage for the last 6 years on time. Chase continue to tell me they can't remove his name from the loan. They have denied me several times for an assumption. They also denied me a refinance. I'm hoping this issue can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Coinbase, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I attempted to withdraw {$2000.00} from my Coinbase account into my XXXX Savings account, but I did not receive the funds. After analyzing the transaction history, I realized that it was sent to a different XXXX XXXX account. As I continued to look at my linked bank accounts on my Coinbase account, I noticed there were 2 different XXXX savings accounts linked to my Coinbase account. This is a problem because I only remember linking 1 XXXX savings account. 

Because of this, I believe my Coinbase account must have been hacked and this extra XXXX savings account was added without my authorization or knowledge. Since I only added XXXX XXXX savings account to my Coinbase account, I must have selected the unauthorized and unknown XXXX savings account for the XXXX transaction because both accounts were labelled " XXXX Savings ''. 

I have no idea or no knowledge of how this unauthorized XXXX savings account showed up on my Coinbase account. In addition to this, I've only had one XXXX savings account and XXXX XXXX checking account in my lifetime. This can be verified through XXXX if you wish to contact them. 

I have tried to resolve this issue with Coinbase and attempted to get my money into the correct account, but they informed me that they can not do anything about it because I was the one who authorized the ADDITIONAL XXXX savings account, therefore it was my fault. This does not make sense because there is no other way for me to have known the full account number of a whole different XXXX savings account if I only had XXXX XXXX savings account to begin with. I also contacted XXXX to see if they would be able to track where the money went, and they did confirm that it was sent to someone else, but they could not do anything about it either. 

I have a picture of the {$2000.00} transaction that was sent to the WRONG and UNAUTHORIZED XXXX savings account that was somehow added to my account. I also have a picture with the email I received from Coinbase who claimed they could not help me ( with a case number ). And I also have another picture of another transaction on XX/XX/XXXX where I was able to successfully withdraw {$110.00} to the CORRECT XXXX savings account. Again, this can all be verified with XXXX that I have never had 2 XXXX savings account. 

If you need any other documents to help support my claim, please let me know and thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Essential Lending Inc
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2023 a debt collector from XXXX XXXX XXXX called regarding an online payday loan from Wise Loan. I informed him that i currently have a garnishment and he replied for me nit to mention it again in the call because he would not be able to help me futher. He stated that he recieved my file XX/XX/2023 and did an investigation and did not see that garnishment as he is not allowed to make payment arrangements with an active garnishment. I ended up setting up a payment arrangement which failed due to not having the funds. I ended up having 2 garnishments active by the time that payment was to be made. He has called and text and I have requested to stop advising I have 2 garnishments and no money. Today, XX/XX/2023 XXXX XXXX  MST he called and I just said " if this is a collection call pkease stop as I jave 2 garnishments in place. '' In which he proceeded to talk and I hung up. XXXX called right back and i answered requesting his supervisor. And he replied : Why? I can call every day until this case goes further. And I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: CITIBANK, N.A.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please refer to CFPB complaint number XXXX & XXXX The issue has been corrected to some extent. Now the issue is that both Escrow History and Payment history are missing the payment activity date of XX/XX/2018 only. 

In the " year to date selection '' for both payments and escrow history the date of XX/XX/2018 is completely missing. 

In the " last 6 months '' & " date range '' options the date of XX/XX/2018 is not missing. 

Please see attachment for more details. Thank you Note : I have been in contact with a CitiMortgage rep by the name of XXXX XXXX @ phone number 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