BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-19
Company: EQUIFAX, INC.
State: OH
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 have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. I have never done business or opened up a line of credit with 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, this is a error please delete at once. I have a FCRA 611, 623, 609 DISPUTE for a late payment this is not accurate please delete. I have never been late on my PLEASE DELETE THESE ACCOUNT THEY ARE NOT ACCURATE! 
Information belongs to someone else PLEASE DELETE THESE ACCOUNT THEY ARE NOT ACCURATE! I am unable to locate documentation that they complied with the of federal and state laws requirement, which is a violation of the FCRA & FDCPA. State FDCPA Laws I fail to see is in compliance with sTA OHIO LAW 1319.12 O.R.C. TAKING ASSIGNMENT OF DEBT. I also have report this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report where with XXXX XXXX has not even tried to contact me regarding this Fraudulent collection if they had done so they would have known they had in fact Purchase two fraudulent third party collection accounts. Please have them remove this collection account immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  Account Number : XXXX XXXX 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 a 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 2023-05-12
Company: EQUIFAX, INC.
State: GA
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 inquiries that wasn't authorized i have notified credit bureaus, but they won't remove. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX my identity was compromised. i filed a police report. 



Equifax XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: Experian Information Solutions Inc.
State: PA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$11000.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my 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 2021-07-01
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted the creditor, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Penn Credit Corporation
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:
There are 2 fraudulent collection accounts on my credit ( penn credit and  XXXX XXXX XXXX XXXX. These accounts are not mine. They were NOT open by me, utilized, nor paid by me. Please remove them from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have been a Coinbase customer since XXXX of 2020 and had no issues with them. All of the sudden Sunday XX/XX/2020 i received an email from Coinbase telling me that they had to close my account, they did not offer me any reasons or explanation. In that email they tell me that i have to transfer my funds out of Coinbase. Here is where the problems start, when i try to transfer my funds it says " You are not allowed to withdraw any funds at this time. Contact Coinbase support '' and then another message that says " You are closing too many accounts, please try again later ''. But it will not let me do anything with my funds. The funds are as follow, i bought XXXX BTC at an exchange rate of $ XXXX/BTC plus a Coinbase fee of XXXX for a total of {$14000.00}. This transaction was made on XX/XX/2020 using my checking account. The reference code they send me for this transaction is XXXX. On XX/XX/2020 i made another purchase of XXXX BTC at a rate of $ XXXX plus a fee of {$73.00} for a total of {$5000.00}. This was also made with a checking account and the reference code from Coinbase is XXXX. The following day, XX/XX/2020 with the same checking account as the previous one i made a purchase of XXXX BTC at a rate of $ XXXX plus a fee of {$2000.00}, the reference code for this one is XXXX. This all adds up to XXXX BTC, and {$21000.00}. Of this amount i withdrew XXXX on XX/XX/2020 and XXXX on XX/XX/2020. I have still XXXX BTC which Today XX/XX/XXXX is trading at $ XXXX/BTC or {$21000.00}. As of today i can not access my account or do anything with my funds. They said they had to close my account but yet they are holding my funds. I am not asking for anything more than i am owed. As you can see i have everything on record and will take any action necessary until my funds are given to me. I want my XXXX BTC and the longer they keep it the more at risk i am of losing it because the price can crash and i could loose my money and they have been holding these funds since XX/XX/XXXX and have made no attempts to reach out to me. This is the first step i am taking based on legal advise that i received, the next steps will be to take legal action and to report this to the FBI. Also whatever loses i obtain because of a price drop and me not being able to withdraw my funds because they would not let me when the price was stable and i had the chance to get my money, i will also file for damages and hold them accountable for any loses. My trading price will not be lower than it was on XX/XX/2020 when they closed my account and failed to let me transfer my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have come to the conclusion that KeyBank is openly committing accounting fraud. When I woke up at roughly XXXX XXXX on XX/XX/14, my account balance was positive. However, throughout the day it unfortunately became overdrawn. I deposited funds to get my account back in good standing. 

Despite this, and despite their entire ledger saying that I was never in the negative, I got charged an overdraft fee for some reason? 

And its not the first time I've seen this happen. I have plenty of evidence. 

Also someone drove their car through the XXXX branch. It has been months since it has been repaired. You guys don't. care about XXXX customers clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: PA
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 contacted all XXXX credit bureaus as well as XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$920.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX year history it is not uniform across the board which it should be...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Ocwen Financial Corporation
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed 2 disputes with XXXX XXXX XXXX in XX/XX/XXXX regarding the status of a mortgage serviced by Ocwen Loan Servicing, LLC Both times I provided information that clearly shows the loan was paid in full. Ocwen refuses to change the status to paid. They currently have the status as being under a Chapter XXXX Bankruptcy. The property was sold and the loan paid off on XX/XX/XXXX in the amount of {$73000.00}. The Bankruptcy was filed after that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX shows XX/XX/2020, XXXX shows XX/XX/2020 and Transunion has XX/XX/2020. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I  have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DEPTEDXXXX Account # : XXXX Account Name : DEPTEDXXXX Account # : XXXX Account Name : DEPTEDXXXX Account # : 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 2020-07-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a Home Depot Card account on XX/XX/XXXX to obtain " same as cash '' financing. I made my first payment on the due date, XX/XX/XXXX. But because the payment deadline was based on Eastern time and I made the payment at XXXX Pacific time, I was charged a late fee. By the time I figured this out, Citi charged me additional fees. I called Citi and they waived the XXXX fees on XX/XX/XXXX. On XX/XX/XXXX, I paid off my entire purchase amount. 

On XX/XX/XXXX I requested " Please cancel the late fee for my XXXX statement '' via Citi 's message center. On XXXX, Citi responded " A late fee adjustment will be credited to your account. It may take up to 2 billing cycles for the account credit to appear. '' However, Citi never provided the credit for the XXXX late fee and now refuses to do so, stating that they previously provided a credit for my XXXX fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: AZ
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 reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : XXXX - XXXX Please investigate and provide proof with a statement showing that the payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was never late. 

Thank you, 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 2020-12-04
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint concerns previous complaints number XXXX and XXXX. 

My attorney spoke to Wells Fargo today and they refused to comply with the requests that we have sent them and which are recorded in the previous complaints listed above. 

I have no choice now but to empty my business account which was previously used from automatic withdrawals for the mortgage. This business account contains PPP and SBA disaster loan funds. I have to move them to another account and risk an accusation of comingling because I fear that Wells Fargo will withdraw the entire forbearance amount all at once. My wife will also have to empty her checking account so that Wells Fargo doesn't make that account overdrawn. 

I am submitting this complaint to memorialize what I've done in case the SBA audits my business account. Wells Fargo should NOT be allowed to make up its own rules. The merely service the loan which is owned by 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 2021-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is a discrepancy in my personal credit report ( s ) that is in violation of my consumer rights. Please permanently delete and block the below inquiries from my XXXX, XXXX, and TRANSUNION credit report ( s ). These inquiries are fraudulent and unverifiable. 

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 These inquiries are unverifiable, fraudulent, and are in violation of my consumer rights. Requesting to permanently remove these inquiries.

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 2023-05-23
Company: EQUIFAX, INC.
State: NY
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 submitted multiples disputes regarding information Equifax has wrongfully reported on my consumer report. It has been more than 30 days and have yet to receive any response or update. Please find the documents attached as I have taken the necessary steps advised to fix this urgent issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 do not live at the addresses on my credit report. Most of the addresses listed I never lived at. Also listed on each report are telephone number I have never been associated with my only telephone number is XXXX XXXX XXXX. Also this is my current and only address XXXX XXXX XXXX XXXX XXXX. all of the other addresses and telephone numbers listed on my report is fraud please remove

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 2017-12-15
Company: EQUIFAX, INC.
State: AL
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 filed a complaint with the credit bureaus for validation of this account. This was account as deemed as updated and accurate. I then filed a complaint directly with XXXX XXXX XXXX by certified mail which included my full name and account number as listed on my credit report. After I had not received a response, I contacted them via XXXX XXXX on XXXX/XXXX/XXXX. After our conversation there, a representative from their company contacted me. Upon speaking with the representative, I provided their requested information to identify this account. I did not provide them with the account number. However, my account was located and I was told I would receive a letter in the mail with all of the information regarding the verification of the account. However, I received a letter dated XXXX/XXXX/XXXX stating I did not provide them with enough information for them proceed with their investigation and must consider it closed. 
I 'm confused. I spoke with them the day after the letter was composed. How is it that the information provided on XXXX was not used to verify the information they continue to report to the credit bureaus on this very old account. The balance was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I called us bank in regards to direct deposits coming into my old closed account and needing a form to transfer such said funds into my new account. I was directed on 3 occasions even prior to coming to the bank that I could come into the bank and have them process the form the same day rather than do it through customer service which could take up to 3 business days. When I arrived at the XXXX branch on XXXX in XXXX illinois, the representative was very rude and nasty and showed obvious discontent by rolling her eyes at me when I asked for help. When I asked to speak to her supervisor she refused to let me speak to the supervisor then the branch manager called security on my who made threats to me and cursed at me in front of my children and family. They refused to respond to the customer service matter or have a manager contact me. When I called customer service to verify the information I was told by a supervisor that I was indeed informed  correctly that the bank should have been able to process the form directly. 

Later that day I actually had someone call me from a branch and process the form over the phone. I would also mention I waited over two hours in the drive they line to receive such vulgar and incompetent service.

I also filed an internal complaint with their customer service which has been ignored and not responded to. I called the regional director of the bank branch she also has not returned my phone call.

This is unacceptable for this refusal of service and hold of access to my account. I would request the video be pulled from both sides of the drive thru window to show that even as I was being polite initially to the  representative she was rude argumentative and rolling her eyes was beyond disrespectful.

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