BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-24
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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/2021 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 my FTC report and Sate identification to XXXX, Transunion and XXXX. They are reporting fraudulent accounts 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 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 recently noticed fraudulent activities on my credit report. What I have found has lead me to believe I maybe a victim of identity theft, as I did not approve any information to be used in 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 non-monetary relief
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX  ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have requested multiple times about a reported 30 late payment that was never late in XX/XX/2019 for XXXX XXXX with transunion and never received any response or action. There are also several inquiries that are showing and should not be showing on transunion such as XXXX  XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX XXXX ) and XXXXXXXX XXXX ( XXXX XXXX ). Everything that is on XXXX is ACCURATE and should be reporting across all three ( 3 ) credit bureaus.

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 2018-09-13
Company: Scott Fetzer Financial Group Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I originally filed a complaint with CFPB ( # XXXX about XXXX XXXX XXXX XXXX XXXX ( hereinafter referred as " XXXX '' ). As a result, I received a letter from XXXX indicating the debt was mine and attaching an application with my name ( attached ). 

On XX/XX/XXXX, I replied via email to Mr. XXXX indicating that this is mistaken identity and I always use my full name " XXXX XXXX XXXX, XXXX '' all all credit applications and inquiries. I have not received a response from Mr. XXXX regarding same. Therefore, this debt is not mine to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I sent XXXX BTC to my coinbase.com account and it showed up as a confirmed transaction in my coinbase account and on the XXXX XXXX, but coinbase has not updated my account balance so I ca n't withdraw my funds. 

I also bought XXXX Bitcoin on XX/XX/XXXX and held through XX/XX/XXXX and did not receive my Bitcoin Cash Transaction : XX/XX/XXXX I contacted Coinbase customer service XX/XX/XXXX and have n't heard back. I reached out to a Coinbase XXXX support team member on XX/XX/XXXX no response. I contacted coinbase on twitter XXXX and XXXX and still heard nothing. 
CASE ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I deposited a cashiers check from an accredited credit union into my checking account at Bank of America on XXXX. A hold was placed on this check, which I believe is in direct violation of regulation cc of the Federal Reserve. The bank stated at the time that the funds would not be made available until XXXX. This is also against regulations that state the funds, if withheld, must be made available to a customer after 7 working days. I have spoken with Bank of America representatives twice, and they remain adamant that the cashier 's check could not be guaranteed any earlier. I believe their internal policy goes directly against the stated policies of bank regulators in the U.S.

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 2022-12-10
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:
15 USC 1681 Section 602 States I have the right to privacy.

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose.

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 2018-09-13
Company: Roycroft Management
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX called me from XXXX and stated her call back number was XXXX. She said she worked for XXXX XXXX XXXX Financial Crimes Department and Verified the last 4 of my Social Security number. 

She stated that there was a XXXX XXXX XXXX account opened and a wire transfer than was made from another bank around 2012. She said they are filing a lawsuit for Fraud and forwarding the information to processing.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2023-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Bank of America sent an email telling me to unfreeze my credit so they could issue a credit card. Also someone tried to open a Bank of America online account. Also XXXX XXXX XXXX sent me a letter telling me my application for a loan was denied since i have my credit frozen. I did not make and application. It was sent by XXXX XXXX XXXX on line for financing.

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 2023-03-16
Company: EQUIFAX, 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:
Fraudulent Accounts Appearing On Credit Reports. 


1. XXXX XXXX XXXX XXXX {$3300.00} 2. XXXX XXXX {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2019-12-28
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan servicer ditech frequently isn't available during their stated business hours. It says clearly on their website that I can call weekdays between XXXX and XXXX ET, XXXX XXXX ET, and XXXX XXXX to XXXX ET. ( I'm on PST so I'm mindful of the time difference. ) I have to call to make payments because I'm behind on my mortgage and to pay online or over the automated phone system you have to pay the full past amount due. I can't do that so I have to speak with a representative to make a lesser payment. Now whenever I call, their office is either closed or the representative puts me on hold until the call drops and then when I call back they're suddenly mysteriously closed despite the fact that I am calling during their posted business hours. 

I'm mad because if they try to say that I've gone 3 months past due on my mortgage because I failed to make a payment that's on them because they were never there to take a payment and they don't allow me to pay any other way. And personally I find it extremely shady that they force you to pay a specific way and then fail to let you pay that way as if they're trying to force me into foreclosure on my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have fraud on a account right after I set a payment to come out for my capital one credit card and I couldnt cancel the payment so when the payment came out there was no money in my account due to my bank account having fraudulent activity, so capital one closed the account. I called them and they stated that once they closed the account they could not reopen it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This case involves alleged debt i Received a letter from RESURGENT stating I owe XXXX. I requested RESURGENT show me the legal right they have to collect. I would like to see a contract documentary evidence stating this is my debt. With my signature and validation I would also like to know who gave RESURGENT my address and jurisdiction on this alleged debt. I am also requesting certified copies of signature contract between RESURGENT and XXXX XXXX, ( me ) if this information is not complete and provided this information should be closed zeroed out and updated in good standing. 

RESURGENT violated my consumer rights by stated I owed debt the law below states Im not responsible for alleged debt. I provided exhibits stated I owed nothing validating this debt. 

I dispute this alleged debt and all claims in accordance of 16 CFR 433.2 title 15 USC 1692, Regilatikns Z Regulations M and ALL applicable UCC Articles. 

Tracking number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
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:
I reached out to all 3 credit reporting agency XX/XX/2021 and let them know i was a victim of identity theft. I uploaded supporting documents Identity theft report and also police report. Experian said the information is verified because i didn't include all items on my identity theft report so they never blocked these items. They knowingly violated my Consumer rights according to Section 605B and 623 ( a ) ( 6 ) ( B ) of the FCRA. They also violated 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

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 2022-12-11
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: Information belongs to someone else

Complaint:
checking my credit profile ive notcied alot invalid information that is hindering my credit profile. I am intrested in disputing all incorrect data. all credit reports are not 100 % accurate. please update the information submitted asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Conduent Incorporated
State: MO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX 2021 california child support loaded XXXX onto my card, my ex does not make regular payments so i never know if hes sent money or not. On XXXX XXXX, I was cleaning out old wallet and came across my XXXX and decided to call it to see if there was any money on it, it XXXX told me about a deposit of XXXX made to card on XXXX and there was only XXXX left on my card as of XXXX. when i tried to call customer service to dispute fraud charges and cancel card i was put on hold for over an hour at which time my card was down to XXXX every time ive called customer service i talk to someone new, one person told me to make a police report, which I did, another person i talked to because over a month had gone by and i hadnt recieved the fraudulant paperwork i needed to fill out and send back never came so i was told to make out my fraud report by hand and that it would speed up process, well agian i got no notice, i finally called customer service again only to be told they denied my claim not once but twice for conflicting info?? and the case was closed and theyre sorry nothing they can do about it. everytime i call and try to talk to supervisor im put on hold for well over an hour, they tell me there is no superviser on shift that they will have someone call me in 24-48 hours which no one does!! i know its only XXXX but that is alot of money to me and cant afford to just kiss it away! please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, I received a bill from a XXXX XXXX who says that he interpreted ( 2 ) venous duplex while I was admitted. He was paid by the insurance what they allow for that type of service. He called me and asked my to ask my insurance company to pay more and I told him that is what they allow for that service. He then sends it to a collection agency Remex ( XXXX ) XXXX. When they contacted me I told them that he was already paid for his services and that I don't owe him anything. He was not a providing physician for me all he did was interpret the venous duplex he did not perform it. He trying to charge me as if I went to his private office and he used his private equipment and performed the venous duplex which he didn't. The reason I need help is because Remex has put this on my credit report, what can I do to remedy this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: LEXISNEXIS
State: MI
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: Problem with personal statement of dispute

Complaint:
The US Bankruptcy Court XXXX XXXX of Michigan, located in XXXX, Mi. Says they do not report or release court documents to third parties such as LexisNexis, XXXX, XXXX, or XXXX. They report to XXXX an website for court reports not credit. I have a letter from the US Bankruptcy Court XXXX XXXX XXXX Michigan explaining they do not give XXXX, XXXX, or XXXX the bankruptcy XXXX information it was illegally token from XXXX 

So how is it verified? 

BANKRUPTCY XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to get my free credit report from equifax and created an account on the website - XXXX XXXX XXXX - I created a password, and the system would not allow me to log in, and I got an message that the account was locked due to an incorrect password. I called the number on the screen ( XXXX ) XXXX and the representative - XXXX, employee number XXXX stated that he had to ask me some questions to verify my identity. He asked for my name, social security number, date of birth, address, and then proceeded to ask for some very personal information about my debt, who my creditors were and what specific amounts I owe to each creditor. I believe that was very suspicious, and I refused to disclose all that information. I asked to speak to a supervisor and was put on hold for over 20 minutes. I am very nervous because as he was asking for my information, he refused to provide his full name or any further proof that that was in fact equifax. I don't want my identity to be stolen.

Company response to consumer: Closed with explanation