BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Consumers should be able to freeze their credit for free on XXXX, XXXX  and TransUnion. This is a vital service that should be free and available to everyone who has credit history in the US as these companies can not be trusted to store their data securely and protect their data against security breaches. No American should have to pay in order to help prevent their own identities from being stolen.

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 2018-01-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent in letters to all three credit bureaus to have the bankruptcy taken off my report because its causing me a world of trouble. As of today XXXX took the bankruptcy off my report but equifax and XXXX will not follow suit. This should not be reporting my my credit report because they cant verify the information. I want this deleted!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, I pulled my credit only to find that Transunion had XXXX hard inquiries on my report, only to find that on XX/XX/XXXX a fraudster was able to not only apply for a credit card but to open up a bank account. These inquiries were pulled 1. ) To apply for a XXXX Credit Card and 2 ) to open an account with XXXX Bank. Neither of which I requested. Back in XXXX of XXXX, I placed a security alert on all XXXX of the major XXXX 's. Had this been handled properly by Transunion neither the application for credit nor the opening of account by XXXX would have happened as the Bank XXXX Creditor would have been unable to pull this. As a result of their negligence, they played a part in allowing someone to open an account at XXXX. In addition, I spent XXXX hours trying to undo what had happened with XXXX, XXXX Bank, filed a XXXX XXXX, report everything as identity theft and reach back out to Transunion to ensure a Fraud alert was added to my file. Had they done what they were supposed to in XX/XX/XXXX this never would have happened.

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 2021-03-09
Company: National Credit Adjusters, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to contact this debt collector that is attempting to collect a debt that has not been validated with original documentation bearing my signature.I do not recall this account. The only response I have gotten is an unknown billing statement. I would like for NCA to validate the debt with the original documentation bearing my signature that I have entered an agreement with said company or remove this account from my credit report as they are reporting in error if they are not able to validate this debt with original documentation bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: EQUIFAX, INC.
State: OH
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 previously attempted to resolve the matter of a public record unlawfully reporting on my credit report. The courts nor the state no any government body, FURNISHES DATA to any of the 4 major credit bureaus.

That is due to a 3rd party who I DID NOT AUTHORIZE to pull any public record with my name to sell that information to any organization nor share it with any organization. 

Anyone or Company who wishes to see a public record bearing my name needs to travel to the courthouse to view it in PERSON THEMSELVES if the matter is that important!!! 

Furthermore I opted out of XXXX XXXX and suppressed my personal information from being shared on the web or sold for profit. 

This is my last and final attempt and next I will file a lawsuit against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: WELLS FARGO & COMPANY
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not had a Wells Fargo account since I was a teenager. Regardless of the fact Wells Fargo has falsely open an account in my name 20 years later, they are now negatively impacting my credit score to a point that I can no longer apply for a home loan. I have filed XXXX reports I have called them multiple times over the last several months and they continue to ding my credit score to a point that I can no longer recover it. When attempting to call their customer service line they hang up and say the call volumes are too high call back later. The lack of customer service and attention to a clear error on their side is not only disheartening but frustrating as someone who has had exceptional credit score of their entire life. Wells Fargo opening false accounts is no longer something that Ive only heard in the news they have completely impacted my ability to have a reasonable credit score and failed to pay attention to the gross misdemeanor of this act. Even when attempting to call Wells Fargo in the past I have no idea what my account number is because I never opened an account and the customer service turns out to be rude unhelpful and condescending. I have wasted countless hours on attempting to mitigate this problem and it is now impacting my life and work. The account that was opened last XXXX was not open by me and I can not get access to anyone at Wells Fargo to try to close it let nevertheless mitigate my credit 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 monetary relief
Consumer complaint received 2022-02-02
Company: Green & Sons Agency, Inc.
State: ID
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 Bank Corporation deliberately and unfairly charged my personal account overdraft fees in a discriminatory and XXXX biased manner. 

In XX/XX/2021 XXXX bank charged overdraft fees for my account ending in XXXX the amount of USD XXXX and my account ending in XXXX the amount of XXXX. 
I disputed and paid these fees in full. The bank statements are attached. XXXX stole my money. 

In XX/XX/2021, XXXX again charged my account XXXX the amount of XXXX for a single transaction of XXXX dollars. XXXX  then proceeded to harass me with mutliple telephone calls and collection letters and put my name on XXXX XXXX, even though they were informed the charges were false. They also reported me to a collection agency and cost me an XXXX loan of XXXX. The evidence is attached. 

XXXX bank favored XXXX  XXXX  customers over XXXX  XXXX  XXXX workers including XXXX discriminations, including me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
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 information incorrect

Complaint:
XXXX XXXX XXXX says XXXX XXXX accessed my credit file? It is locked and I never did credit check with 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 2018-01-05
Company: Big Picture Loans, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was approved a loan in the amount of {$600.00}. I chose the 1 yr option. I was led to beleive the outrageous interest rate was on the annual interest rate. However, i recently contacted them to find out how much I needed to pay the loan off. And I was told I owe XXXX to pay this loan off. What??? I have already paid almost 2k for a XXXX loan. This is highway robbery at it 's finest. I told them that the amount of interest is illegal in the state I applied and received the loan in. 
They said they are a tribal lender, therefore immune to state and federal law. This is so wrong. They should be held accountable just like any other business that operates within the US. Or keep it inside their reservation. Also they need to be upfront and clear about the interest rates. I was led to neleive the interest rate was annual. But to my surprise, it 's on a daily. How is that legal. I checked and the first 6 payments was entirely interest. This was not what I signed up for. They are crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: U.S. BANCORP
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT. MY COMPLAINT WAS CLOSED AND I DISAGREE WITH THE RESOLUTION. I AM A CONSUMER AND ELAN FINANCIAL HAS VIOLATED MY CONSUMER RIGHTS AND HAVE ADMITTED TO SUCH. 

Recently, I, XXXX XXXX, was denied an extension of credit by Elan Financial. On XX/XX/2021 I submitted credit card application, I applied for a Fidelity XXXX XXXX Card As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. 

Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Elan Financial has violated my federally protected consumer rights : 15 U.S Code 1642 15 U.S Code 1681M 12 CFR 1002

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 2019-09-25
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have two credit cards that were suddenly sold to a debt buyer known as XXXX XXXX XXXX XXXX. I am here to state that the two original creditors, hereafter known as Synchrony Bank and XXXX XXXX XXXX did not sell these two credit card debts. That is an impossibility since all credit card debts for both of these financial institutions securitize their debt portfolio into XXXX dollar plus securities agreements. XXXX XXXX XXXX is running a huge scam that is being pushed by national banks to offset losses on their quarterly 10Q filings with the Securities and Exchange Commission. Therefore, I need both of these collections rescinded immediately unless transfer from a securitized trust can be proved. Both financial institutions need to be brought up with sanctions by the Federal Trade Commission and the Consumer Financial Protection Bureau. Accordingly, I demand proof that a transfer of both of these original debts were assigned out of their respective securitized trusts. If that evidence can not be proved, then both debts must be forgiven and files must be purged. 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 2018-01-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent in letters to all three credit bureaus to have the bankruptcy taken off my report because its causing me a world of trouble. As of today XXXX took the bankruptcy off my report but XXXX  and Experian will not follow suit. This should not be reporting my my credit report because they cant verify the information. I want this deleted!

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 2017-07-26
Company: KEYCORP
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Established an IRA account for {$14000.00} in 2003. XXXX/Key Bank says they can not find any record of this account. You will see this account information in the copied documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: RI
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 was taken advantage of due to malpractice while several were broken by your financial company. i cant even get a sba loan due to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Convergent Resources, Inc.
State: CA
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:
Convergent Outsourcing Inc is fraudulently and wrongfully attempting to extort money from me for a make believe debt that I do not owe to a company XXXX XXXX XXXX AKA The XXXX XXXX XXXX in XXXX Alabama that I have never done business with ever. I live in XXXX XXXX. I have never been to XXXX Alabama. This is a joke and an illegal attempt to get me to pay something I do not owe or have ever done business with these companies. This collection agency is falsely claiming that I created an account and owe {$1000.00} that is a false obligation. The reason the credit reporting bureaus have placed me in a credit freeze for XXXX years is because of ID Theft. Also, recently my XXXX XXXX XXXX card number was stolen someone attempted to use it but the charges were rejected. This is another case about collection agencies abusing credit systems and collecting to force consumers hands, like me, to pay regardless of whether or not they are truly at fault. I will never in a XXXX years pay this as I am not responsible and disputing this debt.

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 2017-09-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This is the second tiime this has happened. First time the other party paid me for the issue. But PayPal was no help even with proof the transaction was authorized. This event took place today XXXX XXXX. They removed {$140.00} XXXX all money except their fee ofcourse ). I notified the client and he 's prepared to pay me back in a week or so, but that does not help me now. I 've called and submitted an email to PayPal upset because they do no investigation on their part to resolve this. And it leaves me in trouhble everytime

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
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:
ChexSystems advised me in XX/XX/2018 that they have removed the falsely reporting information from XXXX XXXX XXXX XXXX XXXX, they also stated that they removed past addresses that i have never lived at due to identity theft. XXXX XXXX XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX, TX XXXX. They advised me and sent me an updated report which i reviewed and the information was removed. However i went to apply for a savings account today and it appears they re applied the negative information back on my report. Falsely stating they removed it. When you advise a client you have determined an error did occur and that you have blocked that information from my file you should be honest. Don't like on paper when you forward it to me. Lastly this is causing issues again and i thought this was resolved. Apparently ChexSystems goes against the FCRA Requirements and do not follow the rules to block Identity theft fraudulent items. This is causing damage to my personal reports and issues for me in the long run. I didn't open any accounts with XXXX XXXX or XXXX or XXXX XXXX. I want these removed immediately and send me a updated copy proving these have been removed.

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 2018-01-04
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, 2017 XXXX XXXX XXXX XXXX started ringing my phone with no stops that I owe {$1200.00} plus another {$160.00} to XXXX which I do n't know since when. I have never been to XXXX. What 's going on?

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 2022-02-02
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 I received an email from TD Bank congratulating me on opening 3 accounts with them ( 2 checking and 1 savings ). 
I thought the email was Spam so I disregarded. 
On XX/XX/2022 I received a packet from TD bank by mail which contained checks and deposit slips. These checks and deposit slips had my name, XXXX XXXX, and address. They also had a phone number which does not belong to me ( tried calling and its dosconnected ). I contacted TD Bank regarding these 3 fraudulently opened accounts and they did in fact close them and are researching the matter. I am contacting your company to make sure that this gets reported to all 3 creditors and doesn't affect me in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
My Coinbase account is restricted due to an error. It says I 'm living in a prohibited country, but I 'm not. I have around 50.000 on my Coinbase account and right now I do n't have access to it. 

I contacted Coinbase so many times without any result. I got them on the line 1 time and they opened a ticket for me to solve the issue. the ticket was created on XXXX/XXXX/2017 with  number XXXX But still no answer. 

I really need access to my money. Even if they do n't open my account, I would like to have a refund of my money on my account and my coins should be send to my wallet. 

I hope you can help me with this issue. I ca n't sleep for days because of this. This was my whole life savings. 

Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX has been sending me numerous of email for a account that I had with my ex wife.. she had me apply for a loan and promise to pay it after the divorce this debt belongs to my ex wife and should not be on my credit report.. I tried explaining but they keep selling the balance to a debt collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: NC
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 just needed 1 credit report from 1 of the companies. 
XX/XX/2022 I tried 6 times getting my free credit report via XXXX as listed on XXXX  : XXXX 

The first 4 times I tried doing it online. 
I tried XXXX 2x. It put my incorrect current address, though I filled out the form correctly. 
And then : " Page not found The page you requested does not exist or can not be found. 
Please return to XXXX and follow the steps on that site to request your free annual credit report. '' I tried XXXX twice via webpage too. 
Each time they gave non-relevant security questions where I checked : none of the above. 
The page said ( and there are no typos I'm writing ; the webpage had the typose ) " we have experienced an issue processing your request. We-re sorry, we are unable to process your request at this time. Please contact our XXXX XXXX XXXX at XXXX for additional help completing you request. The XXXX XXXX XXXX is available between XXXX. '' The second 2 times i tried doing it on the phone XXXX 1st time ( Equifax ), the automated system kept getting my name wrong, and there was no confirmation the computer got it correct, since the software didn't repeat the spelling of my name back to me. 

The 2nd time, a similar thing happened with XXXX. 

I hope i get the reports mailed to my address, but there's no confirmation that the info was inputted correctly by the software.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: EQUIFAX, 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:
Equifax is BREAKING the FCRA RULES Refusing to remove items from my credit report.

Company response to consumer: Closed with explanation