BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Believe that money is being stolen from bank account and has been for many years. Repeatedly contacting bank about this. Reps are always acting like the info they have is correct. ATM shows one amount and with no withdrawls and numerous deposits, amounts are not adding up. Bank continues to say what info is available to them on the screen, and wont sincerely address the issue. Even receipts that I have from the ATM machine dont match the statements the bank sends to me. 

Will be contacting attorneys to research this as well. This has been going on for well over 10 years and I feel that the bank knows I am correct, but will not admit it. 

-

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: GOLDMAN SACHS BANK USA
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:
Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and request to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Goldman Sachs Bank a request to block a fraudulent account that is being reported on my credit report. The account in question was not opened by me nor did I benefit from it being opened, it was opened as a result of identity theft. The request was sent via certified mail recorded delivery. The company has not responded to any of my letters over a 6 month period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: Accelerated Financial Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I reached out to pay a debt owed ACCELERATED FINANCIA XXXX. After numerous of phone calls I got a supervisor by the name of XXXX XXXX his direct phone line is XXXX. I was able to come to a agreement of XXXX $ for the debt. I requested that he remove off all three credit bureaus. He stated to me as soon as I receive my paid in full letters to do a dispute for removal and their company will remove trade line off my credit. I received notification on XX/XX/XXXX that they updated debt as paid and didn't remove it from my credit. I called accelerated that same day and the reps response was the can no longer assist me because my file is closed. These people blatantly lied to me. I want these trade lines to be removed/deleted from my credit immediately. I did what they requested of me and paid my debt and they did up hold their part of the agreement. They also by law had 5 days to contact me after the debt was put on my credit in early XX/XX/XXXX. I didn't stat to receive phone from them until mid XX/XX/XXXX. This company is breaking laws and deals and I want stand for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase Freedon credit card closed my credit card account on XX/XX/2020 for reasons not caused by me. My address was changed to XXXX XXXX XXXX XXXX, FL XXXX And phone calls were made to Chase as well.as my online login accessed pretending to be me. This was done with my IRS address on file as well as my XXXX XXXX  account. 
I can't get Chase credit card services to get someone on the phone to help. I have emailed and called over and over about this issue. There was no reason for this account to be closed. I was never called, emailed, or sent letters about any suspicious activity on this credit account. I have been charged monthly late fees of {$39.00} plus interest on the charges on the card. 
Chase Card can not just close the account for fraud by another person and not reopen a new account for me. I have been trying to deal with this issue since XX/XX/2020 and I can't get a reasonable response. I filed a fraud report with the USPS postal service and will file a police report if needed. 
Please help resolve this issue. 

My social security number is XXXX Card ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2022 XXXX pm Phone Call I have been repeatedly called by this number ( XXXX ) XXXX at this time during my work hours. They have not asked what time is an appropriate time to call me and have repeatedly called me XXXX times while I'm at work from XXXX XXXX  to XXXX XXXX. According to 15 U.S.C, 1692 ( d ) debt collectors are not to repeatedly call with the intent to annoy or harass any person at the called number. I feel as if I am being harassed since I do not receive phone calls outside of that time period or me being at work

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
A company that is not a part of my federal student loan report is trying to collect a debt that is not owed to them. This company is a private company not a student loan collection agency. Also this company is a 6th or 7th party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
XXXX XXXX AND DISCOVER CARD ACCOUNTS ARE BOTH FRAUD AND THE ADDRESSES OF XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX AND XXXX XXXX XXXX XXXX SC XXXX, THE POLICE OFFICER SAID THAT ADDRESS IS NOT EVEN IN XXXX AND THE ADDRESS IN XXXX XXXX WAS BURNT DOWN YEARS AGO AND IS OWNED BY THE CITY. XXXX XXXX ADMITTED TO BUYING A CAR IN MY NAME AND USING XXXX XXXX AS FINANCING, XXXX XXXX IS MY SONS EX WIFE AND THEY BEEN DIVORCED FOR OVER 7 YEARS. XXXX WAS ARRESTED FOR THIS CRIME BACK IN XX/XX/XXXX FOR A FRAUD LOAN WITH XXXX. I CONTACTED XXXX XXXX WHEN I HAD A INQUIRY THAT WAS ALERTED TO ME ON XX/XX/XXXX FROM XXXX   AND I CONTACTED XXXX XXXX  AND TOLD THEM I DIDNT APPLY FOR NO LOANS AND THE GENTLEMAN IN THE FRAUD DEPARTMENT SAID HE WOULD HAVE THE INQUIRE COME OFF AND HE'LL STOP THIS ACCOUNT THAT WAS OPENED IN MY NAME, WELL I GUESS THEY FORGOT. I A RETIRED FEDERAL JUDGE AND IVE NEVER HAD ANYTHING ON MY CREDIT THAT WAS BAD AND FOR THIS BANK TO GET POLICE REPORTS AND FTC REPORTS AND COURT DOCUMENTS SHOWING I DIDNT GET THIS LOAN AND THEY STILL WANT REMOVE THIS ACCOUNT IS CRAZY, NEXT STEP IS TO FILE A FEDERAL LAWSUIT AGAINST XXXX XXXX AND ASK FOR SHOW CAUSE BECAUSE EVEN THE DEALERSHIP STATED THEY DIDNT EBEN HAVE A DRIVER LICENSE ON FILE AND THE LADY HAD BLONDE HAIR AND WAS PRETTY YOUNG WHO BOUGHT THIS TRUCK. THE DEALERSHIP TOLD ME TO ORDER THEM TO COME TO COURT AND THEY WILL BE GLAD TO SHOW THE VIDEO OF XXXX SAYING MY NAME AND THEY THE ACT OF FRAUD WILL BEGIN ON THE BANKS SIDE FOR KNOWING THIS AND NOT DOING WHAT THE FAIR CREDIT ACT STATES! PLUS IVE ASKED XXXX XXXX FOR THE COPIES OF THE CONTRACTS AND STILL NO ANSWER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company 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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. 

Accounts List As Follow : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX these accounts have 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-06-08
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I paid off my credit card as I am planning a trip abroad and plan to use this card for that trip. The old card was damaged and destroyed. I went online to get a replacement and received a message that I had to call to request it. I called and was told this account was closed many months ago and they can not process the replacement. I asked when and was told a long time ago. i advised that the online portal shows the account active with a {$0.00} balance and an open credit line/available credit of {$3800.00} I was told don't worry we will update that. I asked why I was not informed, and they refused to answer that. I was told it was closed many months prior due to lack of use. I asked to speak to a manager and was hung up on. This is a huge disservice and discriminating to me due to my age. 

These are unfair practices, and they should be held accountable.

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 2023-04-20
Company: Experian Information Solutions 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:
I had a hard inquiry from.Capitol.One on my XXXX report removed. This inquiry was from XX/XX/2022 which was associated with the fraudulent account that was opened up in my name. This account was never mines.TransUnion.removed the hard inquiry that was fraudulent. It makes no sense that they didn't remove the account associated with the inquiry

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 2022-12-20
Company: Paxful Holdings, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Paxful is holding my XXXX in escrow. 
Paxful has deliberately ignored all my attempts to get admin into the matter for three months now and thereby letting my coins to be stuck in escrow. 
Trade ID XXXX Amount XXXX XXXX Date XXXX, XX/XX/2022 This report is to serve as my intent to sue Paxful in the small claims court if Paxful does not send a moderator to look into the situation and release my funds from escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: EQUIFAX, 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:
I am a victim of identity theft. I filed a report with the FTC. The following accounts that are on my Credit Report do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
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:
I submitted a complaint and asked for this collection agency to provide me with validation of debt. According to Section ( 609 ) of the Fair Credit Reporting Act. I can request documents that prove that this is my debt. This gives me protection of consumers against false and erroneous reporting. This collection agency sent me an in-house letter that provided dates of service that they stated I visited XXXX XXXX. I have no records or statements from the original creditor. I am submitting this complaint due to this company not sending any documents that prove this is indeed my debt. I would like the information provided by the original furnisher to your office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
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:
Hello I sent my dispute letters for the accounts and for the hard inquires to XXXX XXXX, Eqifax and XXXX on XX/XX/2021. I have not heard back about my dispute or with the inquires. I sent the letters asking that the inquires be removed from my profile because I did not approve them. I am not able to get the issue fixed. I have waited over 30 days and have no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: AMERICAN EXPRESS COMPANY
State: MO
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:
My credit limit has been readjusted back to its previous limit of {$14000.00} as of my last CFPB complaint. However, AMEX also made an error by submitting a XXXX Pull on my existing credit. Instead of giving me more credit they simply reduced the limit on my existing credit card to put on a new card without my knowledge. I've contacted American Express and was told they will ensure that the {$14000.00} will post at the credit bureau. That is not the problem because the {$14000.00} is already reflected on my credit report. I feel that my request for a credit fix fell on deaf ears. They didn't give me anything of value besides the new card they were to give me was canceled an hour after this error. I want AMEX to contact the credit bureau to fix this hardcopy error which lowered my XXXX XXXX. 

( See the previous complaint XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan from the Cash Store. I missed a payment and they called my job and harassed/pressured my coworkers. When I do speak to them they are intimidating and aggressive almost as if they are a loan shark. I have asked them to stop contacting my job. They still do. This is more than collection, it is harrasment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: PNC Bank N.A.
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: Information belongs to someone else

Complaint:
PNC BANK AND XXXX CARD ACCOUNTS ARE BOTH FRAUD AND THE ADDRESSES OF XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX AND XXXX XXXX XXXX XXXX SC XXXX, THE POLICE OFFICER SAID THAT ADDRESS IS NOT EVEN IN XXXX AND THE ADDRESS IN XXXX XXXX WAS BURNT DOWN YEARS AGO AND IS OWNED BY THE CITY. XXXX XXXX ADMITTED TO BUYING A CAR IN MY NAME AND USING XXXX XXXX AS FINANCING, XXXX XXXX IS MY SONS EX WIFE AND THEY BEEN DIVORCED FOR OVER 7 YEARS. XXXX WAS ARRESTED FOR THIS CRIME BACK IN XX/XX/XXXX FOR A FRAUD LOAN WITH PNC. I CONTACTED PNC BANK WHEN I HAD A INQUIRY THAT WAS ALERTED TO ME ON XX/XX/XXXX FROM XXXX   AND I CONTACTED PNC BANK AND TOLD THEM I DIDNT APPLY FOR NO LOANS AND THE GENTLEMAN IN THE FRAUD DEPARTMENT SAID HE WOULD HAVE THE INQUIRE COME OFF AND HE'LL STOP THIS ACCOUNT THAT WAS OPENED IN MY NAME, WELL I GUESS THEY FORGOT. I A RETIRED FEDERAL JUDGE AND IVE NEVER HAD ANYTHING ON MY CREDIT THAT WAS BAD AND FOR THIS BANK TO GET POLICE REPORTS AND FTC REPORTS AND COURT DOCUMENTS SHOWING I DIDNT GET THIS LOAN AND THEY STILL WANT REMOVE THIS ACCOUNT IS CRAZY, NEXT STEP IS TO FILE A FEDERAL LAWSUIT AGAINST PNC BANK AND ASK FOR SHOW CAUSE BECAUSE EVEN THE DEALERSHIP STATED THEY DIDNT XXXX HAVE A DRIVER LICENSE ON FILE AND THE LADY HAD BLONDE HAIR AND WAS PRETTY YOUNG WHO BOUGHT THIS TRUCK. THE DEALERSHIP TOLD ME TO ORDER THEM TO COME TO COURT AND THEY WILL BE GLAD TO SHOW THE VIDEO OF XXXX SAYING MY NAME AND THEY THE ACT OF FRAUD WILL BEGIN ON THE BANKS SIDE FOR KNOWING THIS AND NOT DOING WHAT THE FAIR CREDIT ACT STATES! PLUS IVE ASKED PNC BANK FOR THE COPIES OF THE CONTRACTS AND STILL NO ANSWER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
{$2400.00} XX/XX/XXXX listed on my report as XXXX XXXX XXXX  XXXX {$8600.00} XXXX XXXX XXXX XXXX XXXX XXXX account is inaccurate XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$30000.00} XXXX XXXX account # XXXX inaccurate description on my report XXXX XXXX account # 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 non-monetary relief
Consumer complaint received 2020-10-21
Company: Experian Information Solutions 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:
The information for this account is incomplete and INACCURATE across Experian and XXXX. 

Reported up to XXXX on Experian with a STATUS DATE XX/XX/XXXX with payment history ; STATUS : " Account transferred to another office '' XXXX XXXX # XXXX Reported the XXXX with STATUS DATE XX/XX/XXXX with NO payment history ; STATUS : " Charged off as bad debt '' XXXX XXXX # XXXX Please remove, per the Fair Credit Act 611

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 2022-02-05
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Common wealth finance at Address : XXXX XXXX XXXX, XXXX XXXX, Pennsylvania XXXX has been sending me collection notices in the amount of XXXX dollars. The collection has a pass due balance. I do not know this company and never done any business with this company as. So theres no contract with a signature from me saying I agree to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Coinbase has an exchange to buy and sell XXXX but it also has an application called " Coinbase XXXX '' where cXXXX  can be stored. Coinbase claims that the XXXX application is a safe place to store XXXX. On XX/XX/21 I had {$120000.00} on XXXX stored on coinbase XXXX and these were withdrawn without my consent. I don't know how anyone would be able to withdraw money from my coinbase XXXX when I did not authorized any payments. There was no verification, no secutiry steps taken to make sure that I wanted to send a payment. The money was simply taken out of my XXXX I contacted coinbase and they said they were only in charge of the XXXX on XXXX XXXX but not on the XXXX  application. Because of this, I was forced to pay more money as the company who withdrew my XXXX said that I needed to pay more to get my money back. It ended up being a total of {$220000.00} stolen from my coinbase XXXX on XXXX. I have reported this to all the agencies but I also believe that coinbase should be responsible as they claim that coinbase XXXX  is a safe application to store XXXX which is false.

Company response to consumer: Closed with explanation