BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-26
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:
I have some inquiries on my account that I asked to be removed because they are unverified and unauthorized. I have contact equifax about XXXX XXXX XXXX  on XXXX, XXXX  XXXX XXXX on XXXX, XXXX XXXX XXXX on XXXX, and XXXX on XXXX. Ive also contacted XXXX  about XXXX XXXX on XXXX and XXXX  XXXX XXXX on XXXX. If these are not removed then its against the FCRA. These accounts are not attached to any open accounts so they are unauthorized and need to be removed. You consequences for these false reports results in a {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: CT
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 filed an FTC Identity Theft report in XXXX, XXXX. I sent this information to all credit bureaus. Some accounts were removed, most were not. All disputed accounts are not mine. I direct you to remove all ( attached ) disputed accounts as originally requested. I will list them here to clarify the accounts I am disputing as not mine 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. Many violations of federal law have occurred in the last 5 months. These are also attached. In your response, please provide the written instructions I gave you in conjunction with 15 U.S. Code 1681b ( a ) ( 2 ). If you do not have my written instructions, this is a violation of 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ) and 15 U.S. Code 1611 ( Criminal liability for willful and knowing violation ). More violations are highlighted in the attachment. I demand immediate removal of all accounts noted both in this compliant and in the attached documents or I will sue you in Federal Court for defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have sent correspondences to Capital One but they refuse to answer my questions regarding the names account. I have been discriminated against by Capital one. Capital one closed my account without my permission. Capital one furnishes this alleged debt without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Ive tried time and time again to get this removed off my credit it keeps reporting as if the account is still active. It's destroying my credit. Im having serious problems obtaining new credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The failed under the FDCPA and FCRA to notify me about my right as required by the law, so I can dispute and ask for validation. Also the debt it not mine. In XX/XX/XXXX I was contacted by XXXX collection agency about the same debt, I asked for validation they was not able to proof that, so the sale the debt to diversified consultants. The debt it for XXXX but diversified consultants stated in my credit report that its 2 month old debt, this is misrepresenting of information which is violation also.o send them a letter asking them to delete the account from credit bureau, but they failed to respond. I have no idea about this debt it not mine. I need your help to investigate on my behalf to them and credit bureau. It a XXXX debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have three medical bills of my son XXXX XXXX date of birth XXXX. Bills from XXXX ; XXXX ; XXXX. Insurance company " XXXX XXXX  '' paid this bills full. But collections agency " AR Resources, Inc '' tries to recover money from me again.I have informed collections agency about this many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
These are fraud, I didnt benefit, apply for, and authorize these accounts. 

XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX, XXXX, and TRANSUNION are in violation of multiple laws 15usc 1681 a ( d ) ( 2 ) ( I ) exclusion of a credit report. 
According to the law the term credit report does not include information solely as to transactions or experiences between the consumer and the company These companies are reporting charge offs and late payments on my report which are transactions and experiences

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 2018-08-29
Company: Sequium Asset Solutions, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Around XX/XX/XXXX I moved homes from one location to another and needed to take my XXXX with me. In a call at that time I was told there would be a fee to transfer service. Upon this, after being a customer for 8 plus years, I told them I would rather just cancel the service as I owed them nothing at the time and was not on a contract. I was transferred to an account specialist whose job it was to save accounts. I told her the issues and she told me they would waive the moving fee and not be stuck in a contract. I made multiple points that I did not want to be on a contract and that I had fulfilled the terms of the original contract and no new contract was signed. Nor was a new contract agreed upon. 

Fast forward to the summer of the following year when XXXX took over XXXX and began raising everyone 's rates. I was done. I cancelled service and returned the equipment. I owed XXXX or XXXX nothing. I owe them nothing today. 
They immediately used threats of the contract to keep me as a customer but I told them to send proof of a signed contract and look at the previous call. They couldn't find proof and the call verified I was correct. This was never disputed by XXXX  or XXXX again. 

Fast forward 2 years later to today XX/XX/XXXX. I get a call from sequium asset solutions regarding the very debt. 

They threatened to destroy my credit regarding the false debt. I called XXXX and they refused to fix this. 

Proof of the contract can not be found. They committed fraud by sending the original contract from 8 years ago attempting to say it was the new contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2023-06-20
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My wife 's employer is using XXXX instead of ACH. We didn't know that direct deposit needed to be through ACH until we were charged the fee. I tried to talk to Chase about it and they hung up on me. I called back and tried to close the account and they hung up on me. I could have avoided the fee by keeping a minimum balance in the account but it dipped below the minimum on one day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-29
Company: ALLY FINANCIAL INC.
State: NC
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 got into a retail installment contract with Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they have been reporting 60 days, 90 days, 120 days late on my consumer report. My payments are due every month on the XXXX. If I dont make a payment by the XXXX on the XXXX they are reporting 60 days late on my report. I requested that they update these inaccuracies in XXXX but nothing changed.

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 2018-08-29
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
From XX/XX/XXXX through the beginning of XXXX, Wells Fargo charged over {$2000.00} in overdraft fees on an account that they eventually closed for " insufficient funds. '' My thought process is if they hadn't charged over {$2000.00} in overdraft fees, the account would not have needed to be closed for " insufficient funds. '' In fact, some of the {$35.00} charges were for amounts less than {$35.00}, which means that if overdraft charges had not been charged so needlessly and frequently, the account could have been in good standing from XXXX or XXXX onward.

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 2017-12-12
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My Coinbase account got suspended from selling and buying XXXX, XXXX, and XXXX. I believe the error is due to a Coinbase ID Verification error which causes a mismatch with the Coinbase account name with the name on a linked bank account. I have $ 1,500+ on Coinbase which I would like to sell, however I have been locked out of my funds and can not contact support in anyway. Phones are busy, and emails and DMs on Social Media are not being responded to. Other seem to be having the same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Experian Information Solutions Inc.
State: TN
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 advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX. XXXX XXXX ( Experian  : XXXX XXXX : XXXX ) XXXX XXXX XXXX XXXX ( XXXX : XXXX-Experian : XXXX XXXX : XXXX ) XXXX ( Experian : XXXX XXXX  : XXXX ) XXXX XXXX XXXX XXXX   Experian : (  XXXX XXXX : XXXX ) XXXX XXXX XXXX : XXXX Experian : XXXX. XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX/XXXX  ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX CC ( XXXX  : XXXX Experian : XXXX XXXX. XXXX XXXX XXXX/XXXX ( XXXX  : XXXX Experian : 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 non-monetary relief
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 wife was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

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 2023-01-30
Company: JPMORGAN CHASE & CO.
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I filed a complaint because chase bank was withholding my funds from me for no release other than what I believe to be Retaliation for file complaints about a different " government office or court office. I still have not recieved my funds. I attempted to pick up my funds in person on more than a dozen time and was given the run around despite being told that I could pick up the funds. They are holding my funds because they apparently don't have anyone to answer to.I want chase to give me the money which is my direct deposits from my employer, which they said they would not be excepting. They continued to except these deposits and rejected all of my auto payments that comes out of the account which has damaged my credit in a manger way, I was just denied an apartment rental due to my new credit score. They have also cause my loan to become due in full. I need someone to investigate these charges if you can't can you please tell me who can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: EQUIFAX, INC.
State: TX
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:
IN REGARDS TO : XXXX XXXX XXXX XXXX  XXXX XXXX MN XXXX Investigation of an inaccurate item The account your company is reporting to the credit bureau is troubling. Because of this, Im requesting information about your procedures put in place to verify this charge-off account. I would like to see a detailed repossession deficiency transaction sale on this account. In addition, please show me the date that you claim that this account was charged - off. 
Im tracking all documents. 
I WILL BE SENDING ALL LETTERS TO MY ATTORNEY FOR REVIEW TO SEE IF ANY FURTHER VIOLATIONS HAVE OCCURED. 
I KNOW YOUR COMPANY VERIFIED THE ABOVE ACCOUNT AS ACCURATE. SEND ME ALL OF THE INFORMATION YOU USED TO VERIFY THE ABOVE ACCOUNT SO MY ATTORNEY AND I CAN REVIEW IT FOR ANY VIOLATIONS. 

PLEASE SEND ASAP, AS 15 DAYS SHOULD BE ENOUGH TIME. 

I AND MY ATTORNEY AWAIT YOUR RESPONSE. 

THE ITEM IS NOT REPORTING 100 % ACCURATELY THE TERMS HAVE BEEN CHANGED FROM NO TERMS TO 72M TERMS. THE MONTH 'S RECEIVED HAVE BEEN ALTERED FROM 1 MONTH TO 2 MONTH 'S RECEIVED. THE BALANCE AMOUNT OF {$9600.00} AMOUNT PAST DUE {$9600.00} AND CHARGE-OFF AMOUNT {$9600.00}. THE NEW BALANCE AMOUNT IS {$9600.00} AND THE NEW PAST DUE IS HAS BEEN CHANGED TO {$9600.00} AND THE NEW CHARGE-OFF BALANCE WAS ALTERED TO $ XXXXAS WELL. THE ACTUAL PAYMENT AMOUNT WENT {$0.00} AND THE SCHEDULED PAYMENT AMOUNT WENT FROM {$0.00}. THE ACTUAL PAYMENT AMOUNT IS MISSING AS WELL AS THE SCHEDULED PAYMENT AMOUNT IS MISSING WHICH ONCE UPON TIME WAS {$0.00}. THE ACCOUNT HISTORY WITH STATUS CODES ARE INCORRECTLY REPORTING XX/XX/XXXX 30 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 90 DAYS LATE. AS THIS INFORMATION HAS BEEN ALTERED REAGED XX/XX/XXXX 30 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 90 DAY LATE, XX/XX/XXXX CHARGE-OFF STATUS. THIS BY FAR INVESTIGATION AND REVIEW WITH MY ATTORNEY HAS TRULY DISTURBED ME. THE HISTORICAL ACCOUNT INFORMATION EQUIFAX HAS REPORTING EVEN IS FRAUDULENTLY DECEIVING POTENTIAL LENDERS. 
Why did you do this? Do you know that you have just violated the FCRA, which carries a fine of {$1000.00} for each violation? Im sure your company wont be happy that your it has now opened themselves up to liability for such a small debt. Now, I will give you opportunity to fix this and make it all go away if you do the following : 1. Remove this illegal reporting from my credit report within 15 days from the moment you receive this complaint. 


If you choose to ignore my request, and keep the negative information on my report, I will continue to do the following : 1. File a complaint with the FTC. 
2. File a complaint with the attorney generals office.

3. File a complaint with the Better Business Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
When I disputed the information which XXXX XXXX XXXX was reporting, they updated in accurate information to cover themselves. I opened the account with them XX/XX/XXXX- the vehicle was repossessed in JXX/XX/XXXX. They update my information stating the following : My account was closed ( XX/XX/XXXX ) and was included in a BK - which is under a wager plan. I dismissed my Chapter XXXX BK- I have no open BK 's, as well, how could my account with XXXX XXXX XXXX be closed in XXXX and included in a BK- when they repossessed the vehicle in XX/XX/XXXX? Since day one, this company does fraudulent things. when the vehicle was repo- they sent the redempetion letter to my old address- normal mail- when GA laws states the letter need to be sent certified and they had my new address.

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 2020-10-17
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Created ( Paypal.Me ) with id -- https : //www.paypal.comXXXX service for easy transfer from Paypal account gave it to my friend to transfer money. He transferred {$17.00} dollars with transaction-id XXXX and also {$20.00} dollars with the transaction id XXXX. I did not receive these two amounts to my account. When checked this paypal.me account is associated with an e-mail from XX/XX/XXXX ( meaning XXXX ) XXXX. Both my friend and I intended to transfer money domestically in USA how did this happen. Paypal has no clue they keep saying no unauthorized transaction. 

When I asked PayPal about these missing payments they have no clue about it. No phone number to call only send the messages. The very slow response I got 3 messages in a week. This is the height of the worst customer service when financial transactions are involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I was granted payment relief and forbearance of my federal student loans with XXXX XXXX due to a loss in income. The way that this was reported negatively impacted my credit score. I contacted XXXX XXXX and was told that I needed to contact the Consumer Reporting Agency to have it corrected.

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 2020-10-17
Company: Nationwide Credit Corporation
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Nation Wide Credit Co has made a fraudulent credit reporting on my credit report thereby damaging my credit score and access to credit. The accounts that were reported under my name to the credit bureaus do not belong to me. I have NO KNOWLEDGE NOR I HAVE EVER RECEIVED ANY SERVICES mentioned on the debt. I have attached three pictures of the debt accounts. 

These accounts were reported to credit bureaus on XX/XX/XXXX but the company did put negative remarks on my report going as far back as XXXX thereby immensely damaging my credit rating and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: EQUIFAX, INC.
State: DC
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:
All three credit bureaus are showing late payments and a negative account with XXXX XXXX XXXX XXXX which is false my account is in a good positive state with no late payments

Company response to consumer: Closed with explanation