BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-11
Company: AES/PHEAA
State: WI
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:
To Whom It May Concern, Im writing to you because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my FEDLOAN SERVICE account. 

I want you to know that I understand, and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I talked with one of the representatives that work for your company and I set up for them to withdraw monthly automatic payments from my checking account. I did not realize that I had a derogatory account until after I got a notice stating that I was 120 days late. I was under the impression that the payments were being taken out of my account faithfully. 

Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

Currently I am applying for a mortgage and financing anything has been a struggle. It has come to my attention that the missed payments on my credit reports have hurt my ability to qualify for anything. 

In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the 5 late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 

Thank you for your consideration. 

Have a blessed day!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2021, I pulled my Consumer credit file from EQUIFAX, and immediately noticed several violations of the Fair Credit Reporting Act. I reviewed my consumer credit profile thoroughly and noticed several Unauthorized Inquiries, accounts, personal information on my report. First I like to state that I NEVER gave EQUIFAX permissible purposes to report anything to my consumer credit file. Pursuant to 15 USC 1681b ( a ) ( 2 ) which states a consumer reporting agency can not furnish a report without the written permission of the consumer. The Fair Credit Reporting Act as codified at 15 U.S.C.-1681, which stipulates that a consumer report shall not include specific faction information on a consumers credit record. The Fair Credit Reporting Act ( FCRA ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. There were no PERSONAL INTERVIEWS done with any of my neighbors or associates. The incorrect information on my credit file has damaged my reputation, caused mental anguish, including anxiety, depression, and lack of sleep. I can not get certain employment opportunities because of the violations throughout my credit file. I can not get approved for my home, and it's affecting my relationships with my family, friends, and associates. This company has ruined my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian is reporting the following items inaccurately ( see enclosed ). This violates 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 2021-10-05
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, my coinbase wallet was hacked and drained of {$10000.00} worth of Saitama coin and {$60.00} worth of ETH. This hack happened 4 hours after I connected my wallet to coinbase.com. I had all security measures set up in the wallet, ( seed phrases copied manually, 2FA enabled, and a pin code on the wallet ) the hacker was able to bypass all these security features, and I was never alerted of the transfer, even though I had 2FA setup.

I believe the breach was done through coinbase.com after I connected the wallet, and none of the security worked. I trusted them to keep my money safe, and I used all security measures available to me, yet I was still hacked. My phone and my computer are clean and unmolested, which proves the hack came through the website. 
My case numbers with Coinbase are # XXXX and # XXXX. 

They have offered no resolution, and they're policy specifically states they will issue a refund if : " your account transaction is not authorized or allowed. '' Or " The account transaction is incorrect '' Both of these apply to my situation. This was my life savings, that I trusted them with to invest and protect. None of the security measures worked, yet they are taking no responsibility, and this exact situation has happened to many others in the past few months. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: FIRST NATIONAL BANK OF OMAHA
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
First Bank of Omaha continues to lower my credit limit as I make payments on the credit card that was issued to me by the institution. The policy negative impacts my credit score because it continually show I have a high credit utilization rate.

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 2021-02-10
Company: BANK OF THE WEST
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
they aren't paying my escrow taxes and I'm trying to refi no one does anything called 10 times

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 2020-07-11
Company: EQUIFAX, INC.
State: CA
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'm sure you receive several complaints so I will try to make this short and concise. Since XXXX of this year I've been attempting to have incorrect information on my credit removed and corrected from my credit report. The credit bureaus are reporting a XXXX XXXX XXXX account which is over 7 years old and they are reporting a bankruptcy which is 10 years old. All I want is for them to remove these accounts from my credit report and fix them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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:
I am a victim of identity theft. This item was disputed previously and was removed from credit bureaus but Then was reinserted. This was an account which was opened in my name. I disputed the information a few times since being reinserted and sent over my affidavit of information regarding the dispute in question. In accordance with the FCRA they are supposed to block this item from my credit in which they have not. They are still reflecting on XXXX and Equifax. The other bureau XXXX has already removed the item in question and updated their system. XXXX and Equifax is giving me a hard time and i take this matter seriously as they are going against the FCRA. I request this item off as it is hindering my credit worthiness and do not belong to me. I also submitted documentation that support my complaint, where the other bureau XXXX it was removed. thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
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: Was not notified of investigation status or results

Complaint:
I am writing to file a complaint against Equifax for the lack of response to my disputes that were sent. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I sent XXXX separate disputes to Equifax regarding errors on my credit report. 

To this date, I have not received any response from Equifax regarding the disputes. According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate and correct any errors on my credit report within 30 days of receiving my dispute. 

I am extremely disappointed with the lack of response from Equifax and the continued presence of errors on my credit report. These errors are negatively impacting my credit score and hindering my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
well at first it basically it had every thing right but the chapter of Bankruptcy I filed so I disputed it along with other info of credit cards and loans that had the same thing. it first said undesignated chapter so when I disputed it and told them it should be a chapter XXXX Bankruptcy and that it should say discharged. So after a few weeks Experian sent me the disputed results. now it saying I had XXXX Late payment in XXXX of XXXX oh it also says Charge Off as of XXXX XXXX and that it was a chapter XXXX in XXXX. I had filed for chapter XXXX on XXXX XXXX, XXXX so I know that I was not late and Had Never in my life filed for chapter XXXX. So then I had tried to dispute it again and the sight will not let me. so I also contacted the creditor of that account and was transferred to XXXX different people and they said they had no information on it and then basically hung up on me because I told them I wanted it fix or I will call my Lawyer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/2021 I did a XXXX transfer of {$350.00} through Chase and it end up being a scam. I contacted Chase and I opened a claim which was denied a few days after. I was asking for my money back due to the scam and the transfer being through Chase but still got denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive contacted Equifax XXXX and XXXX several times dealing with this issue. I asked for each Bureau to do an internal investigation which takes only 3-5 days but it seem that the only thing that they all decided to do was send me a letter stating the inquiries were verified. There is no possible way any errors can be found as verified. I asked for validation and also any documents bearing my signature 30-60 days ago and there was no change to my credit and no documents sent to me but a bogus verified paper. XXXX XXXX and Equifax has blocked my credit file without my consent several times and used my credit profile to place errors on my credit file making it difficult for me to apply for a home loan. I mentioned this to the rep and she disregarded every word I said to her so now Im forced to take legal actions which I have filed a lawsuit against all three credit bureau and its in process. I have attached the inquiries that are reporting on my credit report as an error and I demand that the inquiries listed and the error addresses be removed by the weekend, if not Ill go back down to XXXX XXXX County Courthouse and file another lawsuit seeking {$10000.00} for damages. I was suppose to purchase a home but my credit file was locked and blocked from creditors seeing my score and information so I have to wait for a few months. Im just sick and tired of the bs and I will definitely make sure that all three bureaus receive this message.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
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:
I have been calling and submitting disputes because I have paid off two accounts. XXXX  paid in Full on XX/XX/XXXX and got a letter as proof only because I requested one. I settled with XXXX XXXX which was charged off but I agreed and paid the settlement amount on XX/XX/XXXX. Both companies have not updated my credit file. It has been more than two months. Please advice me and help me with this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DPT EDXXXX, XXXX Company Inquiries : 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 2018-04-26
Company: CONTRACT CALLERS INC
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:
Contract Callers Inc has called my home phone every single day looking for a XXXX XXXX. I have told them twice now I have no known knowledge of this person and asked them to remove my number and they have not. They call my home phone every single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: NC
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 recently reviewed my credit report and score which have been affected by your company 's inaccurate reporting and scoring. 

I noticed some unauthorized inquiries on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. 

You guys did not respect my right to privacy which is under 15 USC 1681 a number 4.

You did not exercise your grave responsibility, you were unfair, and you were partial. I have already taken the liberty and filed an attorney general 's complaint. 

You never had a permissible purpose Under 1681 b number 2. 

I never instructed you guys to furnish this report and I never consented to this report in the first place. 

What I am demanding right now is that you guys delete all these inquiries off my report right now Inquires to be deleted are just below this sentence. 

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 XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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'm sure you receive several complaints so I will try to make this short and concise. Since XXXX of this year I've been attempting to have incorrect information on my credit removed and corrected from my credit report. The credit bureaus are reporting a XXXX  XXXX XXXX  account which is over 7 years old and they are reporting a bankruptcy which is 10 years old. All I want is for them to remove these accounts from my credit report and fix them.

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 2021-04-27
Company: JPMORGAN CHASE & CO.
State: AR
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Scheduled monthly credit card payment at XXXX XXXX CST for XX/XX/XXXX. Chase added Mortgage payment to credit card online statement but instructions very unclear. In fact instruction was lengthy questionnaire for mortgage payment ca. {$840.00} due XX/XX/XXXX on refinancing of previous mortgage with XXXX XXXX  since XXXX. Switched to Chase upon receipt of unsolicited refinance offer received in XX/XX/XXXXbig mistake. 
Closed on Chase mortgage loan XXXX and told initial monthly payment due XX/XX/XXXX. When we closed in XXXX or months earlier we told closing officer for Chase to debit our XXXX XXXX  account for monthly mortgage payment of {$840.00} beginning XX/XX/XXXX. 
Instead our XXXX credit card online statement added Mortgage payment due XX/XX/XXXX. But Chase instruction XX/XX/XXXX very unclear. Told us to go to Accounts and access external? and when we did there was no external accounts to access. Plus access denied both username + password on second attempt. Waited till end of day and still denied access to Chase on-line. Might add same thing happened with CFPB as asked to sign-in and received similar response : username and password denied. We are in our XXXX and this is hard on us. Hope you can help us. XXXX XXXX XXXX XXXX, XXXX XXXX AR

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I was sent an email at XXXX about having an existing XXXX XXXX XXXX card. I have ZERO knowledge or have owned one of these cards. this is fraud and not acceptable at all this email was sent at XXXX XXXX from XXXX on XX/XX/2023 i wan na know HOW someone opened a card in my name and HOW you let this happen

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Someone tried to opened a account at Barclays. Application ID : XXXX, Date XXXX XX/XX/2022.

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 2019-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like to request the removal of my Credit Freeze from all 3 credit reports Trans Union, XXXX XXXX. I am in the process of buying a home and I need access to my files asap.

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