BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I demand to have these accounts deleted from my credit report as it is reporting misinformation and has invaded my privacy as a consumer as I NEVER gave my consent. You did not fulfill your grave responsibility. You were unfair, partial, and you did not respect my right to privacy. 


EQIFAX XXXX XXXX XXXX XXXX # XXXX Derogatory : Chargeoff Date Opened : XX/XX/2016 XXXX XXXX Acct # XXXX Derogatory : Chargeoff Date Opened : XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
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 from XXXX to XX/XX/2020 have been trying to get a free credit report the three companies that does this has either ignored me or says that i due not exist. I tried to fax as well as gone on their web site and did what i was ask to due. But no results as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: CITIBANK, N.A.
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:
On XX/XX/2019, CITIBANK NA., BEST BUY add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: American Coradius International LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from American Coradius International on XX/XX/2018 saying that owed XXXX over {$800.00}. I do not have a credit account with XXXX, so there's no way I could owe XXXX anything. I confirmed my name for American Coradius, but when they said I owed money, I hung up immediately. They called from this number : XXXX I called XXXX immediately and they confirmed that I do not owe them anything and that I do not have a credit account with them. They apologized, but could not explain why I had received the call. I closed my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Service Transferred and Mortgage Payment not being applied. Calling daily harassing about missed payment which was made to previous servicer. Copy of bank bill pay to confirm payment has been provided but Servicer refuses to accept as proof of payment.

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 2019-01-03
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: Credit inquiries on your report that you don't recognize

Complaint:
I have numerous inquiries on my credit report that I never authorized. I paid for Experian membership and cant review my credit report. The inquiries are from companies i have not seek credit from. Experian refuses to take identity thief seriously. Its bad enough they have let a collection agency stay on my credit report without really investigating. After the collection agency deleted the account several times Experian will not delete XXXX XXXX XXXX from my credit report. Inquiries are popping up on my credit report and i dont understand why and who is doing 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 2018-04-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I responded to a 0 % introductory credit card offer by mail from U.S.A.A Credit Union and was approved and accepted the credit card. Then I called back to inquire about additional 0 % credit card offers. The representative advised that I qualify for another offer which i took advantage of that one as well. I was led to believe that this was another 0 % card offering. I received my statement for both cards then I noticed that one of the cards had an interest rate of 21.15 % and had fees due in the amount of {$140.00} for interest charges based on the account activity. I was shocked when I opened my statement and saw these charges. I immediately called the U.S.A.A to discuss this. The process of dealing with these type of concerns was extremely complex and confusing. I spoke with a number of managers including XXXX on XX/XX/2018, XXXX XXXX, XXXX a Sr. Bank Analyst in the executive resolution department. I spent hour after hour on the phone trying to get this issue resolved. I requested that the credit union provide proof to me that the 21.15 % interest rate was disclosed to me during the telephone application process, and if the call was recorded. I finally received a phone called from a technical writer within the credit union advising that there was not a record of the phone call in which the application was taken so therefore it is Not an error on their part. The technical writer in which I do not recall her name also stated that the interest rate would have been disclosed during the balance transfer online process. I advised that the balance transfer that took place on my account was initiated by a third party ( my wife ), therefore disclosures were not where her emphasis would have been, she was just following my instructions to initiate the transfers in which I had already advised her that it was a 0 % intro rate to my knowledge. The technical writer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
State: NV
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:
In 2013 my father suffered a XXXX  XXXX  and was in my care.He passed Away the care of myself ; which required me to leave my residence and move in to my grandmothers residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with the companys listed in the Attached FTC 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 explanation
Consumer complaint received 2021-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature.

Should be held liable under 1681e ( b ). As an overwhelming weight of authority holds that credit report is inaccurate either when it is patently incorrect or when it is misleading in such a way and to such an extent that it can be expected to have an adverse effect. '' Khan v, Equifax Information Service, LLC No.18-cv-6376 ( MKB ) ,2019 wl 2492762, at*3 ( E.D.N.Y. June 14,2019 ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns about the reinvestigation of information and lousy attempted was done clearly. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
They're not accurate not even close. Please delete/remove the following : 1XXXX XXXX # XXXX Fraudulent account opened never paid. 2XXXX XXXX # XXXX Never done Business with this company please delete/remove. 3.XXXX XXXX XXXXXXXX XXXX XXXX FAILURE of notice violation never received notice of account.4.XXXX XXXX # XXXX Never open such account fraud please delete. 5XXXX XXXX # XXXX Never open such account fraud please delete. I am filing a police report and an FTC report as well. I don't know who could have used my information. However, I will get to the bottom of this 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 explanation
Consumer complaint received 2020-10-11
Company: Experian Information Solutions Inc.
State: CA
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:
Asked them to investigate my file for validation several times with little to no change and this is affecting my ability to obtain any credit anywhere at all. The information on my credit report is incorrect and Ive asked that it be removed immediately due to the fact that I did not obtain those accounts. Its been on there for more years than allowed and it wasnt even me. I have never been able to obtain credit anywhere because of this matter. Im asking to please remove them from my report. Plus they have been sharing my report with companies without my consent.

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 2023-03-10
Company: Paypal Holdings, Inc
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recieved an email in the form of an invoice from Paypal stating that I purchased bitcon in the amount of {$590.00} which is not true. I never purchased XXXX. Paypal issued an invoice to me via email for a debt I do not owe. I have reported this as fraud on the ftc website report # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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 have been dealing with a person or persons using my credit to open accounts and abuse them. I filed an identity theft report and had it notarized. They only deleted some of the accounts. There are still accounts reporting that shouldn't be reporting to my credit because they don't 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 non-monetary relief
Consumer complaint received 2018-04-20
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan servicer was XXXX XXXX XXXX ( PHEAA ) and I refinanced my loans in XXXX/XX/XX/XXXX to another institution. I received Paid in Full notices from PHEAA to all 8 of my individual loans ( 4 subsidized, 4 unsubsidized ) on XX/XX/XXXX. I received an additional confirmation on XX/XX/XXXX that I had a XXXX balance after I received an erroneous billing notice emailed to me. In XX/XX/XXXX I was notified that I had a balance due and they reported to the credit bureaus that the loans were no longer closed. I called PHEAA and they described an audit process where they uncovered that they had miscalculated interest and they corrected it resulting in me now owing a balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-17
Company: GREAT LAKES
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: Old information reappears or never goes away

Complaint:
Great Lakes student loans 3 x XXXX XXXX XXXX XXXX loans old old please remove from report trying on obtaining a home loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On or about XXXX, I accidentally locked my COINBASE account. I have had no access to my account or my money since that time. I am completely locked out and have submitted a case file for help. I have called 4 times since then and each time I call I am assured my case is being escalatedand to please be patient and wait for a response.. I have repeatedly submitted my DL and selfie photo numerous times, and each time the identification software rejects it. I need someone to help me regain control of my account.

I can not file taxes until I can access my account and have no means to see what has occurred with my account. PLEASE HELP!! The promises I have been given that this will be rectified have all failed. I am at my wits end and am in desperate need of access to My Money!!

This is inexcusable and there should be a laws that protect investors from non-responsiveness. I am completely at the mercy of Coinbase and then are not responding. 
I need to file taxes!! 
I need my money!! 
I need legal assistance. 
HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: CITIBANK, N.A.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In connection with closing on a home, approximately $ XXXX of funds were wired by Citibank from our checking account on XX/XX/XXXX per the instructions received from the intended beneficiary ( closing law firm ) but were not received by the receiving bank. The funds were apparently received by a different bank, which bank returned the funds by wire to our Citibank checking account the next day ( XX/XX/XXXX ). After consultation with Citibank, a " XXXX '' was added before the beneficiary 's account number and a second wire ( of the same amount ) was commenced on XX/XX/XXXX and the funds again left our account. As of the morning of XX/XX/XXXX the funds from the second wire have not been received by the receiving bank or the beneficiary, nor have the funds been wired back to our account. Traces sent on XX/XX/XXXX and XX/XX/XXXX by Citibank have not been received by the intended receiving bank. On XX/XX/XXXX the beneficiary executed an affidavit certifying that the wire information provided to Citibank was correct and certifying, as of that date, that the funds had not been received by the beneficiary. On request by phone Citibank did not provide the name of the regulator to which a complaint could be submitted and instructed to call the Wires Department.

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 2018-06-11
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
After reviewing my credit report I noticed there were XXXX XXXX XXXX on my account not mine. The XXXX XXXX I used over 5 years or more ago was different from what's being reported on my current report. 

I asked the account specialist to remove them because, first they are incorrect. Second, I only had one and my report is showing 2 erroneous XXXX XXXX XXXX. Third, the box is not mine any longer it belongs to someone else. Fourth, the XXXX XXXX is outdated information that should be deleted and I asked her to remove the incorrect and outdated XXXX XXXX . 

She flatly refused and arrogantly said she chose to keep it on because of my past history of having used a XXXX XXXX . 

My past shows I lived lived at other residences over 3 years but they are not my residences currently. What that has to do with reporting correct up to date information and not what someone feel like reporting. Very inappropriate behavior for an employee responding to the public.

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 2018-12-26
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:
In XXXX of 2018, I submitted a dispute towards unverifiable items on my credit report, asking for proof of Original documentation of the transactions in question. I received neither proof or response in regards to any progress of reconciling and removing the improperly reported accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03
Company: EQUIFAX, 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:
I'm having extreme trouble having two items removed from my credit report of XXXX and Equifax. 

Item 1 : XXXX XXXX ( installment loan ) Item 2 : XXXX ( debt collection ) *its worth noting that when you look at my credit report I only obtain loans from XXXX XXXX XXXX XXXX , no one else, especially high risk high apr payday type loans. 

As a person who only receives a fixed income these items are causing me great and irreparable harm. I have repeatedly disputed these fraudulent items with both Equifax and XXXX to no avail. 

XXXX however removed them so I know its possible. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The credit card was charged additional fees after being paid off. Ive called several time to receive an explanation for the XXXX plus charge. I havent been able to receive any answers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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 have been dealing with a person or persons using my credit to open accounts and abuse them. I filed an identity theft report and had it notarized. They only deleted some of the accounts. There are still accounts reporting that shouldn't be reporting to my credit because they don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a written response from Wells Fargo, which basically said they did nothing wrong and that in fact I never had a locked in rate. That was not true and again I was never told at anytime during the course of the application that my rate was contingent on my home appraising at {$500000.00}. I got my own appraiser, e said the appraiser that Wells Fargo used left anywhere from {$75000.00} to {$100000.00} off the value of my home. The appraiser I got also said the XXXX XXXX XXXX XXXX comparable was listed at {$690000.00} and sold for cash for {$550000.00}. That property was sold for redevelopment not to live in and was listed as a non-usable property on that tax board website, the appraiser I hired said Wells Fargo 's appraiser never checked the sale of the property, the XXXX XXXX   XXXX XXXX was a transfer of title to a business, yet Wells Fargo had that as a sale {$380000.00} when in fact the property was never sold, the Wells Fargo Appraiser never checked that either. The XXXX XXXX XXXX XXXX property other than being on a busy road isn't close to be comparable.The were numerous factual mistakes about my home as well, with regard to upgrades, efficient heating and cooling system, and size of my property, yet somehow Wells Fargo insists they did nothing wrong. How can you make a determination of value when you are not comparing to properties that are usable properties. I file a complaint with the NJ State Attorney General against the appraiser that Wells Fargo used. I want something done.

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 2020-05-09
Company: U.S. BANCORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
US Bank shows 3 credit inquiries related to a mortgage application that I made between XXXX XXXX to XXXX XX/XX/2019. 

They had a system problem that caused me to have to submit the application 3 times. First one would not allow my social security number to be entered and I used my wife 's. They said they'd need a whole new application. They then advised I need to talk to a different dept of the bank who required another hard pull but said they'd remove the other 2. They did not.

It's OK for me to have 1 hard pull, BUT NOT 3 of them. They said they'd take care of these extra 2 credit pulls ( remove from XXXX ). They have not done this for 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