BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-22
Company: Diversified Consultants, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a company called Diversified Consulnts claim I owe them {$460.00}. I do not know this company or the company they represent this is fraud. I never authorized any purchase of {$460.00}. I never signed anything. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account name XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-01-22
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: Account information incorrect

Complaint:
The correct balamce for this account is {$13000.00} XXXX XXXX XXXX XXXX rarely updates my cresit report UNLESS it is for something negative. All 3 of my cresit rwports need to reflect the correct balance. If this continues, i will make a complaint each month, also I am current only 5 days late on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Aqua Finance, 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:
On XXXX XXXX, 2019, XXXX  XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, AQUA FINANCE add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This year to date my bank charged me a total of {$3800.00} in overdraft fee. I called and asked if then could help me out and only got to waved. Been working thur the whole virus thing going on as a meat cutter and its busy plus even hard to find people to work. So when bus where on a limit scheduled I had to get uber at night to get home that was XXXX dallors one way.. I was now getting paid less cause just to get home at night. Then switched jobs and was making less then I was. Now in a another problem is landlord sold house and have no money to put down or go right now. Have no family to goto and going to be XXXX  by the XXXX of XXXX so I was wondering if you could help me out with BB & T Bank and see if maybe they could waive it because I have no luck with them my name is XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX and it would be a blessing if you can help me during this time thank you

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 2018-02-27
Company: American Credit Acceptance, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have asked for proof of validation from XXXX  XXXX  and XXXX the debt is account number XXXX American Credit Acceptance. The debt has been charged off and closed. I would like for the account to be removed without proper documentation via section 609 of the FCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: EQUIFAX, 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 never got my money from the settlement also they closed all my avenues off from viewing my credit report. the last one i seen had the wrong information on it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were behind on our mortgage and sent in 2 checks to Mr. Cooper our " loan specialist '' XXXX XXXX stated they did not receive the payments in XXXX. In XXXX they stated we had to pay {$5600.00} in order to not be foreclosed on. We wired this in, when we did they still stated they did not have these 2 checks. They told me to issue stop payments on them. We did that then all of a sudden after the wire payment the 2 checks appeared both were already stopped payments. 

We were told by Ms. XXXX if we cured the default she would wave about {$900.00} in fees and we would be responsible for a couple of hundred remaining. When I asked about this she stated it was just a thought she had but she can't even though it was clearly stated in 2 separate phone calls in the beginning of XXXX. 

I was told by XXXX XXXX a supervisor as well as another supervisor XXXX that they would reimburse the stop payment fees seeing as they had them the whole time. I sent proof and they are still not reversing them and we are being hit with returned check fees. 

The {$5600.00} that was paid was including the month of XXXX as the account had to be made current. We mailed out the {$1200.00} check to cover XXXX 's payment. they received it on XX/XX/19 and it shows cashed but they did not apply it to our account. When I call they just pass the blame on to me to find the cashed check where they miss applied the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: MA
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:
Equifax continue to report and inaccurate address on my credit report. I didnt and have never reside at XXXX XXXX XXXX XXXX XXXX, XXXX Massachusetts XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ATG Credit Re : Acct # Unknown To Disputes Department : This letter is in response to your recent claim regarding an unknown account, which you claim that I owe you {$280.00}. By not replying in a timely manner to my initial letter on XXXX/XXXX/2020, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You would be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  L XXXX, IL XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX  XXXX  XXXX  XXXX XXXX CC : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I logged in to my crypto currency account with XXXX XXXX  and discovered all my crypto currency positions were gone. I reported this to XXXX and on XX/XX/XXXX they locked me out of my account. When they locked my account they instructed me to perform a number of security measures which I have done ( in fact, several times ). I have attempted to contact them 5 times over the past two month as well as tried to log back into my account several times. They have not responded and I remain locked out of my account. There is no way to speak to anyone. The only option is by email at help@coinbase.com. The crypto currencies were Bitcoin BTC, Ethereum ETH and Litecoin LTC. The approximate total value of my positions as of the close on XX/XX/XXXX was {$8400.00}. Since they have not responded and/or unlocked my account in over two months and have continued to lock me out of my account even though I have performed all the security measures they requested, I can only assume XXXX is complicit in the theft of my crypto currencies. Please investigate this crime. I have no other way to pursue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: EQUIFAX, INC.
State: MN
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 disputed XXXX XXXX {$210.00} multiple times with equifax. Equifax has failed to verify or validate this debt that they are inaccurately reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I had a Chase credit card XX/XX/XXXX was on my credit reports, shown as paid, on time then removed from my credit reports. My receipts showed I paid a credit card. The reason for my use of credit card is to build credit on the reports. Most if not all banks show credit card activity on credit reports. Evidence available if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: EQUIFAX, INC.
State: WA
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:
After multiple credit bureau disputes, Equifax is the only bureau to not do a proper investigation otherwise they would have easily found out that XXXX made a mistake in reporting my 60 day late in XX/XX/XXXX. My wages are being garnished and was never late since it is automatically taken from my paycheck. I have attached the incorrect reporting by Equifax showing the lates. I have also included a screenshot of my XXXX chat on XX/XX/XXXX with the XXXX rep stated that they made the mistake and it would be corrected in 10 business days ( NOW EXACTLY 6 MONTHS LATER STILL NO CORRECTION ) AND I STILL CANT GET MY HOME LOAN DUE TO THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX  XXXX {$1400.00} XXXX   XXXX XXXX {$200.00} XXXX  XXXX XXXX {$56.00} XXXX  XXXX XXXX {$400.00} XXXX XXXX XXXX {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
My credit files were unlocked and someone applied for several accounts in my name. Please see attached letters

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Medical-Commercial Audit Inc
State: MO
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I got an email from Money Gram saying that my account was set up and then saying that my transer was sent. They also sent me a receipt. I did not send a transfer, nor have I ever set up a Money Gram account. On the receipt that came to my email was my name, with a different phone number and address ( not mine ).

There was also the last 4 digits of a credit card that I don't recognize.

I called Money Gram. They said they would cancel the account, but the transfer had already gone through. They said to call my card -- but the card is not mine. I asked if they could tell me the credit card company so I could call and make sure a fraudulent account was not created in my name. They said no. 

So now I am very worried that someone has fraudulently opened a credit card in my name. And since I don't know the credit card company, I can't call to fix it. What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
I'm a XXXX XXXX XXXX XXXX Veteran, I had a home financed with Wells Fargo Mortgage Account number XXXX for my VA home loan locations of home XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX mailing address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX For the past SEVERAL years i have told Wells Fargo that my loan was transferred to the VA and WF paid off, yet Wells Fargo continued to Lie, Misled, Alter documents and records and submitted for several years false and inaccurate information thus damaging my personal credit, WF refused numerous times to correct the Credit Reports and continue to lie and caused me serious financial hardships and higher loan interest rates etc .... This went on for years even the Credit reporting agencies told me time after time that WF reuses to correct the problems and it continued harm me. 

Finally Wells Fargo got caught and I received a letter that WF now admits they erred for years on my credit and loan on my home. This letter received last week admits the problem and they now years later are letting me know they screwed up my credit for years. It has cost me dearly to the amount of over {$11000.00} in financial loses and denials, and higher interest rates all because they lied. Knowlingy misled me, other banks, credit cards etc. all causing me financial ruin.

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 2021-04-25
Company: CL Holdings LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It looks like Jefferson Capital purchased a date on a XXXX phone service bill. I had to close the phone service account with XXXX after my phone stopped working because they said my used phone should not have been activated for service and I would have to buy a new phone to continue to use the XXXX phone service. I asked them to close the account since I would rather have a different provider without this kind of headache. 

One month of service was around {$57.00}. So they must have let the account run for three months not even attached to a usable phone and with no one using the service for three months before closing the account and selling this fraudulent debt to Jefferson Capital. The XXXX agent on the phone must have not wanted to close my account under his name to avoid bad stats for his own job. I've already tried to dispute this account with XXXX and Jefferson Capitol separately, but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
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: Information belongs to someone else

Complaint:
For years I have disputed the existence of the inaccurate account on my credit file listed by XXXX   XXXX. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse.

I NEVER had an account 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 2020-10-23
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Chex Systems , Inc. RE : XXXX XXXX XXXX XXXX . I have a check that was deposited in XX/XX/2019 for {$9500.00} .The check was held for over a week and cleared my account then in XXXX it was said to be a duplicated deposit?? I do not know what that is and how do I check and see if someone has done something to my account? How can a check be deposited twice?? It was deposited at a different branch in the XXXX XXXX XXXX branch. My account is XXXX checking. I have already sent a dispute over a year ago with no response or follow up!!

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 2020-11-17
Company: Square Inc
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX I accepted my first card payment with square for the amount of XXXX. I performed XXXX XXXX  on a customers XXXX/XXXX  XXXX. Square froze my account and refuses to give me the money or close the account. Despite no flags or disputes from my customer or his bank square refuses to give the money over and it remain the only transaction on the account. They still deny me a reason or the funds for up to six months. I have provided every number and Id they requested. Still nothing.

Company response to consumer: Closed with explanation