BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-26
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Company : Coinbase In XXXX of XXXX I opened an account with Coinbase to invest in Bitcoin. I invested money with Coinbase over the past 8 months. At the end of XXXX XXXX locked my account ( unable to buy/ sell or close the account ). I got an a e-mail that " I was too young to have a account with them and to contact their support team. I am XXXX XXXX XXXX and born in XXXX. I emailed them and got no response for 5 days. I finally got a e-mail back that said they would look into it and get back with me. No response for the next week. I called their customer support number and after being on hold for over one hour was told that they have given my concern to the support team and they would contacdt me. One more week went by. I called them again last week ( after being on hold for over one hour ) and again told there was nothing they could do and they were behind and they would get back with me. One more week has passed with no contact from coinbase. They have all my money but have locked me out and will not help me solve the problem after 3 weeks of trying to get help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
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:
Mr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX  T:XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , New York XXXX  Fax : XXXXXX/XX/XXXX COMPLAINT BY DECLARATION RECEIPIENTS : NEW YORK STATE DEPARTMENT OF CONSUMER AFFAIRS ; SANTANDER BANK N.A. XXXX XXXX XXXX XXXX, PA XXXX ATTENTION NEW YORK STATE ATTORNEY GENERAL, XX/XX/XXXX SANTANDERS BANK N.A. was notified for UNAUTHORIZED USE of my debit card transactions by an unknown person ( s ) using an ALIAS XXXX  account. Under article 15 U.S.C Sect. 1602 ( 0 ). Objections were made ; significant evidence was produced and entertained by the authorized Bank Managers, located XXXX XXXX XXXX XXXX, NY XXXX as instructed by the Bank Investigative authorities. I, Mr. XXXX XXXX  derived no benefits from these transactions, nor do Mr. XXXX XXXX hold or ever has owned a XXXX  ACCOUNT.

Attached are the exhibits disclosing fraudulent activity SANTANDERS BANK refused to acknowledge and complete a full investigation. SANTANDERS unfairly placed derogatory credit reports on my SOCIAL SECURITY number thereby obstructing my CIVIL RIGHTS to obtain another Bank account from a more reputable banking provider.

SANTANDERS never authenticated any of these transactions before or after the accounts were initiated.

Fraud minimization was never implemented ; allowing electronic funds transfer without notifying their client of irregular activities on the account.

The Bank refused to review the 100 of pages of evidence submitted as proof fraud, signed affidavits, and multiple written reports.

Exhibit II : Second complaint is incorporated and attached stating the unauthorized theft of monies from the account by Attorney XXXX XXXX, Esq.

Always faithful, Mr. XXXX XXXX, VETERAN XXXX Enclosure

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 2023-12-05
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit reporting 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:
In the beginning of the year I contacted XXXX, which is a debt collector company that took over debt from Navy Federal ( confirmed with them ). I paid off the card with XXXX. I received another letter from a different company, XXXX XXXX XXXX XXXX, showing that it was not paid. 

I spoke to XXXX, and then XXXX XXXX and XXXX at Navy Federal Credit Union. Each person was rude and condescending. XXXX XXXX hung up in my face. I am grateful I got XXXX who listened, yet she was in the actual credit card Dept and had to transfer me. 

This HAS to be resolved. I have paid the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: MD
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 a victim of Fraud/ Identity theft XX/XX/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 explanation
Consumer complaint received 2019-12-27
Company: U.S. BANCORP
State: ND
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XX/XX/2619 I went to u.s. bank about XXXX in the morning to pull money out of the ATM like I always do it was broken when I put my card in it fell straight down to the people that were working on the machine I asked the lady can I have my card back she said I need to see ID I said hold on a second I have to go get it out of the car when I came back she had took it upon herself to shred my card, I understand policies I was just going to the car she didn't even give him the time I never received money from the ATM or anything like that I use that ATM all the time.she had no right to shread my card and then lied to my husband and said the machine did it when the machine was broke down she did it.

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 2023-02-24
Company: Experian Information Solutions 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:
15. USC 1681 Section 602 A. States that I have a right to privacy. 

XXXX -ACC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # - XXXX XXXX  XXXX # - XXXX XXXX XXXX XXXX  XXXX # XXXX US DEPT OF EDUCATION XXXX # XXXX 15 USC 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

15. USC 1692 C. Without the prior consent of the consumer given direct to the debt collector or the express permission of a court of competent jurisdiction. a debt collector may not communicate with a consumer in connection with the collection of any debt.

15. USC 1681 N. Civil Liability for willful non-compliance. 
Any person who obtains a consumer report from a consumer reporting agency under false pretense or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: SYNCHRONY FINANCIAL
State: OH
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 DID NOT APPLY WITH THIS COMPANY ON XXXX XXXXMUST BE A FRAUD.

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 2023-02-24
Company: Experian Information Solutions 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:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$3200.00} ; XXXX XXXXXXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$270.00} ; XXXXXXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX # XXXX Inquiry : XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX Inquiry : 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 2019-12-27
Company: JPMORGAN CHASE & CO.
State: MD
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:
Chase credit card states that I have an outstanding bill with them. To the best of my knowledge and record-keeping and documentation, what I have ordered from the website Amazon purchased three ( 3 ) antique copies of the XXXX XXXX XXXX ), I already have paid in full including shipping and handling purchased in XX/XX/XXXX, and PAID IN FULL EVERSINCE. Because I very seldom shop, let alone shopping online, I am not interested in subscribing to Amazon Prime. 

On XX/XX/XXXX, I have received a bill for XXXX-what gives? I sent the statement back with an explanation and a copy of my payment to reflect my PAYMENT IN FULL. on XX/XX/XXXX, I received another bill for {$91.00}! I called Chase at XXXX to question this bill. After being passed around three different people, I finally spoke with a person in the fraud department. This person stated that he would have this investigated, in the meantime, my credit score has gone from XXXX to XXXX. The explanation states the late payment from my Chase credit card, xxxx-xxxx-xxxx-XXXX. 

The resolve I would like to see is the following : 1. For Chase to contact Amazon Prime and correct the error and cease the fraud activity ASAP. 
2. A CORRECTIVE ACTION for Chase to contact all credit bureaus and report this error and correct my score to what it was. My credit score should even be higher now that I have earned more creditworthiness after the current purchase of a home, AND paying my car note in full! 
3. To be provided a CORRECTED copy of my credit report from XXXX, XXXX, and XXXX  as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-18
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They were contacted on XX/XX/2021 about an account appearing on my credit bureau. A collection account for an apartment in a state I have never resided in, or co signed for anyone in that state. I informed them I had been a victim of ID theft and that my personal information had been used. I informed them that a FTC report was submitted. A police report was submitted. There are fraud alerts on all XXXX major credit bureaus, in addition to XXXX XXXX, XXXX XXXX, XXXX, and XXXX. My iformation is as locked down as I can get it. They sent me a fraud packet I completed this and sent it back. That was XXXX weeks ago. Today I called and was greeted by " we have been trying to resolved your bad debt you owe for 2 years now ''. I explained it wasn't mine again etc. To which I was told " as far as we are concerned we purchased good debt that you will pay back ''. I said I don't owe this. You have everything you asked for to resolve this so can I find out when this might have a resolution? NO. NO?! I said you are ruining my credit. I have never had a collection in my life, I am not late with my creditors and I cant purchase home until it is resolved. Not our problem, pay this and we go away... WOW. Not how a legit business should be operating. I am attaching everything that proves I have done what was asked. Now they need to process this and remove this from my XXXX XXXX file immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone got a hold of my personal information in XXXX of XXXX. They applied for several credit cards. I disputed the accounts. I was able to get all of them closed and removed from my credit report by around the end of XXXX. However, a credit card account from COMENITYCAPITALXXXX reappeared on my credit report with a lower charge limit in XXXX of XXXX. I disputed the account again. This dispute resulted in XXXX verifying the account information as accurate. I don't know how that is possible. I did not open this account. 
I called COMENITYCAPITALXXXX in XXXX of XXXX and informed them that I had not opened this account. Supposedly, they closed the account. They also sent paperwork for me to fill out to verify that I did not authorize the account and to have it removed from my report. Admittingly, I did not complete the requested paperwork. To my knowledge, they had closed the account and it was already removed from my report at the time. Again, the account has reappeared. It is currently showing a {$0.00} balance. I would like to have the account permanently closed and removed before any charges are made. 
Page 5 asks if the credit card has the same billing address as my mailing address. I do not believe it does. The company representative stated they have another address on file. I do not know the address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
On XX/XX/XXXX and XX/XX/2019 XXXX XXXX took {$2200.00} and {$580.00} from my account. I did not authorize this transaction nor did I give them my account information because I have no knowledge of who this company is or what it offers. I put in a dispute on the same day XX/XX/XXXX when my banking app alerted me. I have not been refunded my money. I also put in a complaint to the XXXX  on the same day and got a response from the company saying that I sign a document that I didn't. They also said that they have been emailing me and have been in contact with me which is not true at all. They have provided an email that has never been my email and an IP address which is also not my IP address. I turned in the information to the bank with all the proof that nothing this company has is from me. When looking up this company on XXXX  they have hundreds of complaints. I also looked them up on XXXX and they do not even exist. The internet clearly states that this company is a scam and has been scamming people. All I want is my money back. I believe that if I put my money into an account that it should be protected and it wasn't because the bank hasn't given me my hard-earned money back. I don't make that much and have been saving this money for 3 years and is unfair because the bank should have given me my money back when I called into dispute it and went after this 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 monetary relief
Consumer complaint received 2023-02-08
Company: Upstart Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My letter sent certified mail on XX/XX/2023 was delivered and signed for on XX/XX/2023. I have requested validation of debt, and to this day have not received this from the company. This debt is reporting inaccurately on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a letter stating that i applied for an ultimate rewards Mastercard and the application was unable to be processed due to requiring my social security number or other identification number. I did call the credit card company and explained what was going on. The representative stated that the application was submitted XX/XX/2023 and was Unable to be processed. The representative recommended to make a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: SC
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that aren't reporting correctly. 

These following laws prove that these accounts have to be removed : - 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 a account without my written instructions - 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
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:
I reported fraud to the ftc on XX/XX/2023 on accounts XXXX XXXX XXXX XXXX XXXX And inquires 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 2022-01-21
Company: Experian Information Solutions Inc.
State: IL
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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