BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My credit history has been excellent ( i.e., 0 % utilization rate ; 100 % ontime pymts past 7 years ; XXXX open mixed accounts ; all other paid accounts in good standing ; XXXX small pd tax lien in XX/XX/XXXX ( {$5400.00} pd in 3 months ) ; avg credit history 4 yrs 7 mos - XXXX account for 9 yrs ; XXXX for 8 yrs ; XXXX small car loan opened XX/XX/XXXX ( first car loan in 10 yrs ) and XXXX rate and term refinance 6 mos ago ; XXXX hard inquiries in past yr ( XXXX for refi in XX/XX/XXXX and XXXX for new home loan XX/XX/XXXX ). My TU XXXX score has been between XXXX and XXXX last three months ( including a score of XXXX TODAY ) but when lender ran Classic XXXX TU on these exact same factors on XX/XX/XXXX a score of XXXX was issued. This will increase my interest rate a full point. 
I contacted XXXX and her supervisor XXXX at TU starting at XXXX this evening and neither could provide a rationale for such a low score. The gist of the conversation was that lenders can evaluate whatever they please and a borrower will never know what information was used. 
My score should be much higher for all the effort I dedicate to caring for it. Meanwhile the lending industry 's shell game of " XXXX different credit scores '' continues to ensure that people with excellent credit will still be stuck with high interest rates. The endless choice of models based on using credit ( or not using credit ) guarantees every lender an excuse to bleed borrowers no matter how strong their credit history is. 
Please investigate my complaint into this " rigged '' system, especially the following : 1. I believe my credit score was unfairly used and manipulated to generate a false impression of creditworthiness. My " excellent '' set of credit factors for the banking, credit card, insurance and auto loan models inexplicably reversed into a " poor '' set of factors under a mortgage model. This is outrageous and TU ca n't explain it. If there 's no valid explanation ( and how could there be? ) TU must be encouraged to report the data that is excellent/positive throughout all other models as excellent/positive on the mortgage model as well. 
2. TU needs to be able to explain why a set of positive parameters under one model becomes a strong set of negative factors under another. 
3. Please also lobby to halt the practice of allowing the credit bureaus to have hundreds of scores designed to penalize consumers no matter what their credit situation is. 
I need a response quickly due to escrow closing XX/XX/XXXX and I 'm facing a full % point increase if these reports are not corrected. All efforts to expedite action will be deeply appreciated. 
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 2023-08-15
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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
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: Account information incorrect

Complaint:
I have contacted the bureaus numerous times informing them that account for XXXX, Acct # XXXX, they are reporting inaccurate information on my credit report. It is a Charged Off/Closed Account showing a Past Due amount of {$1500.00} with XXXX showing as open and Equifax showing as closed and XXXX not showing anything at all. Reporting this inaccurate information is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliance reporting standards. According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed and after numerous months of requesting that they do validate, verify and report as 100 % true and accurate, they are still continuing to report inaccurate information along with numerous other violations as well as to which it is severely hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Money laundary happened in Coninbase the following is what I wrote to Coinbase on XX/XX/2022 XXXX, XXXX, 2022 Coinbase Inc. 
XXXX XXXX XXXX # XXXX XXXX XXXX NY, XXXX To Whom It May Concern : Re XXXX XXXX loss due to Coinbase platform not working properly Between XX/XX/XXXX to XX/XX/XXXX of year 2022, I made 10 times wire transactions from my bank account to my Coinbase account for total {>= $1,000,000} USD. ( if transactions history during the period is needed, I can submit it. ) When the fund was wired into my Coinbase account each time, I bought USDC with US dollars. I sent USDC from Coinbase platform to another trading platform XXXX XXXX XXXX XXXX XXXX, respectively. I did 10 times transactions. 

Because that trading platform is automatically connected to Coinbase, I did not suspect any fraud at all. I made withdrawal transactions 4 times over 2 months period using Receive in Coinbase. The total received fund worth {$6300.00} USD On XX/XX/2022. I tried to receive some funds from XXXX. It never reached my Coinbase account this time. On the evening of XX/XX/2022, my account at that platform was locked. 

I trust Coinbase which is a public traded company, so I used any provided functions from Coinbase do crypto trading. The problem in Coinbase caused my huge loss, {>= $1,000,000}. 


My actions : During XX/XX/XXXX to XX/XX/XXXX, I contacted customer service at Coinbase, it did not resolve anything at all. 
On XX/XX/XXXX, I called local FBI office and was advised to file report online, XXXX, I did file the report on that day. 
On XX/XX/XXXX, I sent a complaint letter to Coinbase by certified mail. the company received it and did not get any response at all. 
On XX/XX/XXXX, I filed a complaint against Coinbase on XXXX  website with case ID. the progress for this complaint seems going no where. the coinbase would not admit any wrong doing. 
On XX/XX/XXXX, I sent complaint letters to atterney general of Michigan, US senators, US distric congressmen, got feed back from congresswoman and asked to file a complaint on this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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:
I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-15
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted this company over four months ago ( XX/XX/XXXX ) when they initially contacted me about this issue. I explained to them at that time that this bill did not belong to me. They told me at that time that that their records indicate that it did belong to me. I told them I would not pay something that I didn't do. They said well we show records that it belongs to you. I asked them for some sort of proof that it belonged to me and they never provided it. I told them I'd be willing to settle ( EVENTHOUGH I NEVER USED THEIR SERVICE OR WENT TO THEIR DOCTOR ) and I'd call back once I got paid. When I called back they told me they never agreed to a settlement that the total amount was due. I then told them they are liars. They are only trying to get money out of people to then threaten them to put things on their credit and ruin their credit rating ( which has now happened to me ). I request that this company MEDICAL DATA SYSTEMS INC remove the debt from my credit report as this does not belong to me. And even though I was willing to pay moneys I didn't have and didn't need to to maintain my solid credit history, that they would still try to take advantage of me, is not right and should be against the law. Please help me resolve 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 2023-08-10
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-18
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12
Company: Pinnacle Financial Group, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Pinnacle Financial is an auto loan account that was transferred from another company around XX/XX/XXXX. 
Pinnacle Financial constantly calls me at work before, during or after due date of my payment. 
Pinnacle Financial sends daily text messages ( without my permission ) to my phone to remind me of my payments, before, during or after I am late.

Pinnacle Financial contacts me several times per day.

Pinnacle Financial calls at odd hours of the day.

Pinnacle Financial sometimes contacts me even when my bill is current and up to date.

I contacted Pinnacle Financial to voice my concerns explaining that I was not happy with the frequent calls and text messages. The Customer Service Representative on XX/XX/XXXX refuse to allow me to speak with any supervisor to the point that I had to disconnect the call.I called Pinnacle Financial again the same day and spoke to with another customer service rep.The representative proceeded to say that I was avoiding calls from them and that I was irresponsible. Although I have a fairly satisfactory payment history with the company. To avoid speaking with me further she abruptly without notice transferred the call to someone else. A man came on the line yelling " XXXX . XXXX! ", I then disconnected the call. My prompt to call the company was that I just made a full months payment for the month of XXXX on XXXX that was only 2 days late. I had received an text message that I owe a new amount in one more day. I feel that the constants calls and text message are excessive. This has been occurring from the moment the account was transferred to Pinnacle Financial in XX/XX/XXXX but I have not yet complain until now from fear of retaliation. Pinnacle Financial is harassing me in the form of excessive phone calls and text messages. Please contact them regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
There are XXXX accounts remaining on my credit file that are past the age of 7 to 10 years for reporting. The bureau will not delete these accounts, nor will they furnish me information as to why they are not removing the accounts.

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 2023-08-10
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:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for negative/fraud. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-07-25
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-07-15
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Truist in XX/XX/2021 bc I have an auto loan there, as well. I then deposited {$5000.00} ( {$2500.00} in checking {$2500.00} in savings - I have attached a screenshot from my confirmation email. Shortly thereafter, Truist apparently closed my accounts without notifying me at all and then my balances went from {$2500.00} in each account to {$250.00}, so {$4500.00} literally disappeared from my accounts and Truist has REFUSED to allow me to withdraw my funds for almost 8 months now. I escalated this 5 times since XXXX and Truist has given me absolutely zero help and XXXX XXXX at the XXXX branch wont even take my calls to tell give me an update on why they are still holding my money after 8 months. This should be against the law when they are holding MY money that I cant even withdraw, yet they are still trying to charge my account for the monthly maintenance fee. This is absolutely inexcusable and something needs to happen to Truist so they no longer are able to do this to account holders.

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 2023-08-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I opened 2 Chase accounts in 2019 of XXXX. I went to XXXX .for a health issue on my XXXX.I gave my key to a friend well he pretended to be one ) to water the plants he stoked my checks and my credit cards he charged {$50.00} since then I had 3 XXXX  been sick, chase refuses to clear this from my account or reimburse me ) I send them tickets and proof but they dont care they dont clean it from the reports ) I need ur help please this is not fair at all ) injustice in this country please help me to solve this issue they have caused me so much stress I even send them tickets proof of passports when flew ) they refuse to clean the!!! They harass me with letters all the time thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE 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: Personal information incorrect

Complaint:
I sent my complaint to the three credit reporting agencies, XXXX, XXXX, and Transunion, because they are reporting inaccurate personal information of mine on my consumer credit report and infringing my consumer rights pursuant to 15 U.S. Code 1681 ( a ) for continuing to report information on my consumer report without verifying the accuracy of the information first. I want it deleted from my consumer report for it is harming my reputation and I can't receive mails in those addresses nor am I reachable in those addresses. 

They also violated my consumer rights pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) Permissible Purpose for reporting information on my consumer report without my permissible purpose. They did not even reach out to me to confirm any personal information that only I can verify before they report it on my consumer 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 non-monetary relief
Consumer complaint received 2018-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Note the fields requiring an answer do not accurately describe my complaint. I have a B of A debit card which I use at ATM machines to get cash when I am on vacation. I always avoid fees so I only use my Bof A debit cards at Bof A ATM machines. I am going to Vermont. There are no BofAs in Vermont. BofA refuses to waive ATM fees for ATM use in Vermont, even though they have no locations in Vermont. This is an unfair and deceptive business practice, as they market a product, the debit card, then make it impossible to use without a fee. They do not accept email complaints from customers. I made a telephone complaint and was told it would be reviewed by a supervisor but not necessarily responded to. Their suggestion was to simply carry large amounts of cash so I would not need the ATM machine.

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 2023-03-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023, at XXXX XXXX, I deposit {$800.00} in the Wells Fargo AMT on XXXX XXXX XXXX in XXXX, Georgia. The Atm machine took my money which consisted of XXXX 's and XXXX 's dollar bills and my debit card then jammed. The machine stated on the screen that it could detail the deposit. I tried entering the amount on the screen. The screen was frozen. The Atm then went into restart mode. It never returned my money or the debit card. It did give me a receipt stating that my deposit must be verified. I took pictures of the screen also. I immediately called Wells Fargo Customer service with the phone number on my account business debit card. I explained to the customer service representative that I was depositing funds for my mortgage payment. I had already made my mortgage payment to XXXX XXXX  by check for {$1700.00}. I had cashed a check with XXXX XXXX  XXXX for {$1800.00}. The {$800.00} was the first portion of an {$1800.00} deposit. All banks are within a mile radius of each other. I repeatedly voice my concern about my mortgage check being returned. The customer service agent stated that Wells Fargo would cover all fees associated with the returned mortgage payment. Who wants their mortgage payment returned? The representative had little concern regarding my mortgage payment or {$800.00} stolen by the ATM Machine. He told me he would file a Claim. The Claim # XXXX. I knew my mortgage check would be presented the next day and it was. On XX/XX/2023, after the Atm incident, I made 2 deposits into my Wells Fargo personal Account at the Wells Fargo XXXX at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I deposited the additional {$1000.00} from the {$1800.00} XXXX XXXX  XXXX cashed check. I then returned back to XXXX XXXX  XXXX withdrawing an additional {$660.00} and adding {$40.00} from cash in my purse. I then deposit another {$700.00} into my Wells Fargo Account ensuring that my mortgage check was not returned by Wells Fargo. The next day I received a deposit in my Wells Fargo Personal account in the amount of {$100.00} from the ATM deposit. I called Wells Fargo again regarding the {$700.00} shortage. I was told it could take then 10 days to credit my account the full amount. Why should I have to wait 10 days for them to give me my money due to their faulty ATM machine? I am outraged over the handling of this situation. I used the same bank of Atm the month prior for the same situation. I deposit {$2000.00} in XXXX of XXXX. The machine appears to be new.

Company response to consumer: Closed with monetary relief