BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-07
Company: EQUIFAX, INC.
State: GA
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 requested a copy of my free annual credit report from XXXX, XXXX, and Equifax through the XXXX website. I received my reports from both XXXX and XXXX   without incident, however, I did not receive a report from Equifax. Rather, I was sent a letter from Equifax stating that they need additional information to verify my identity and address. Per the letter, they need 2 pieces of information from me : 1 ) IDENTIY * Pay stub with complete U.S. Social Security number * W2 form with complete U.S. Social Security number * Valid Social Security card 2 )  CURRENT ADDRESS * Driver 's license * Rental/Lease agreement * Mortgage statement * Utility bill ( gas, electric, water cable, residential telephone bill ) I have a huge issue with a request of the items listed in 1. If this Reporting Agency is even remotely reputable, they certainly would not have such an absurd request to send information containing a complete SS # through the mail. Needless to say, we are in a huge environment of identity theft, fraud, etc. Add to that, knowing that Equifax has been plagued by their security issues and data breaches, no one of sound mind would even entertain this request. Credit Reporting Agencies ( XXXX, XXXX and Equifax ) should be protecting the Consumer not put them at risk by asking for such documents. Apparently, Equifax needs to get their house in order and be reminded of their purpose!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I requested JP Morgan chase to close my account multiple times. I have been told the account was closed, and it has not. I submitted a written request by mail to ask that my account be closed. The written request was not acknowledged. I would like my account to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: MT
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:
Dear CFPB, It has come to my attention that there is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
My request to block is not being made in error, nor is it my request to block being made on the basis of material misrepresentation of the fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of notice. I look forward to your response. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: FL
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 am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
In XXXX of 2020, XXXX XXXX  reported I had a late payment. They removed my account from auto pay without notice. I immediately called in and paid the {$34.00} balance as well as the remaining amount of over {$2000.00} in a good fath gesture. XXXX  updated my report and removed the late payment remark. XXXX and Transunion refuse to assist me and remove it from their reports. I have multiple XXXX XXXX accounts and have made payments to them over the last year over {$30000.00} without being late.

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 2022-03-08
Company: BWW Law Group, LLC
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX  XXXX XXXX contacted this third party company, BWW Law Group , LLC. in order to collect the alleged debt, without my consent and mentioned that I, the consumer, owes a debt. BWW Law Group is now harassing me, threatening to cause harm, and damage my reputation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I file a complaint with Experian on XX/XX/2020 asking to remove delinquency on my child support account XXXX. The compliant number is XXXX, Experian has not responded to this complaint as yet but I get an email from the Experian dispute department and this issue is still not resolved. The problem I need to know is if Experian verifies my letterhead sign by XXXX from the child support enforcement agency asking to removed delinquency from my child support file XXXX or did Experian refuse to even bring this evidence to child support to support my claims. If this negative item is not removed from my account I will 100 % file a case in court to get an answer because how could the child support enforcement agency give me a signed letterhead to remove delinquency from my account at the same time telling Experian to keep delinquency on my account. All creditors have the right to ask a credit reporting agency to remove an item from a consumer account if they feel it is the right thing to do. I need to know where is the problem coming from, is it Experian not following the Child support enforcement agency 's request to remove the negative item, or Experian doing what they what. Though Experian is reporting my credit report it is still my credit report that they are reporting. I have the right to fix any issues that are misrepresenting my credit report and the is my fair credit reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: MO
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Barclays Bank online has locked my account and have now asked for all my account statements from other banks which I find very odd due to the fact that this is private information and those accounts are already linked to my savings account with them. 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 2023-07-21
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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: Personal information incorrect

Complaint:
See attached documents. Remove this personal information that does not belong to 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 2021-08-09
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: Account status incorrect

Complaint:
XXXX continues to report the account status of an account discharged in a chapter XXXX bankruptcy, every month on TRANSUNION. A letter was sent to XXXX to ask them to stop, but in response, XXXX has now updated that status to current on XXXX  as well. Credit score dropped 26 points.

They must stop monthly reporting and updating the status fields status updated on and balance updated every month. This can be seen as an attempt to collect a debt that has been discharged in a bankruptcy, a violation on the FCRA.

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 2020-12-07
Company: EQUIFAX, INC.
State: FL
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 sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Since XX/XX/XXXX, Bank of America ( not our bank ) has been withdrawing funds ( termed " pay by phone '' ) from our brokerage account with XXXX XXXX. We have no idea where these funds are going and have never approved any such deductions from our account. 
XX/XX/XXXX {$25.00}, XX/XX/XXXX {$25.00}, XX/XX/XXXX {$50.00}, XX/XX/XXXX {$25.00}, XX/XX/XXXX {$30.00}, XX/XX/XXXX {$40.00} We contacted the Bank of America fraud line and were told that our bank would need to initiate a fraud complaint. We were told by XXXX XXXX that it was up to Bank of America to solve the problem and that the only recourse they have would be to close our account and open a new one. Thus, all direct deposits ( Federal pension, etc. ) would need to be rerouted to the new account. We have filed an FTC complaint ( # XXXX ), but to date we have not been able to stop the withdrawals.

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 2021-08-09
Company: EQUIFAX, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 650 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
We had reported a fraud claim on 2 purchases for my credit card ending in XXXX with chase credit card back in XXXX with picture people for XXXX and XXXX dollars but those were reverted back and rebilled to the account. We had clearly reported that our credit cards were lost stolen and were not used anywhere. We had reported 4 fraud charges they reversed out 2 of them for XXXX and XXXX from XXXX but not these 2. How is it possible we can use them at one place but not the other when we did not have possession of the card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Under 15 U.S code 1681e ( b ) and 15 U.S.code 1681i ( 5 ) the division of child support account that is reporting to Trans Union, XXXX, XXXX.is in violation not reporting 100 % accurate, it list the child support court as the furnisher thats forgery and misleading when the courts dont report this type of account, its also in violation of Per-missional Purposes. They also need direct written consent from me to report anything on my 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 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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 DDUpon 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, SOC SEC # XXXX DOB 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 explanation
Consumer complaint received 2022-11-08
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 I received a letter from CMRE Financial Services for an alleged medical debt. This debt was supposed to have been paid to the medical provider by XXXX XXXX, but was never paid. The medical provider sent it to collections and included {$2.00} in interest to the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: E*TRADE BANK
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Someone is opening account in my name that I dont know anything about XXXX I receive mail an they are addressing as a male an Im a female

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Experian Information Solutions Inc.
State: FL
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:
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 DDUpon 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 SEC # XXXX DOB 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 explanation
Consumer complaint received 2021-09-02
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
XX/XX/2021 reached out to Coinbase support to help on 2 factor identification issue locking me out of my account. My phone number had changed and I could not receive the 2 factor code. 
XXXX XXXX I have followed all their support instructions, uploaded ID images, pictures of myself from web cam, etc. XX/XX/XXXX received email " Our team is currently reviewing your account to find best solution ''. 
XX/XX/XXXX requested status XX/XX/XXXX requested status XX/XX/XXXX requested status XX/XX/XXXX requested status I have not had access to my account or funds for over 30 days. This is not acceptable and it seems like it should also be illegal to not help customers gain access to their account to trade.

Company response to consumer: Closed with monetary relief