BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: MD
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:
On the following dates my credit was run without my permission and knowledge. I did not consent to or authorize nor benefit from any of the following inquires XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX During these times especially between XX/XX/XXXX to now I have been out of my resident state working on COVID-19 contracts being a frontline worker. I hope this issue can be resolve immediately. I have taken further action to protect my identity and credit profile for the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: ALLY FINANCIAL 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: Their investigation did not fix an error on your report

Complaint:
Ally Finacial has been receiving our loan payments for quite sometime ... we have refinanced the car in XX/XX/XXXX and found that they have not been reporting the payments of the loan since XX/XX/XXXX. I placed disputes with XXXX  but they are saying its resolved and it hasnt been. I also would like this updated with XXXX  and 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 2022-08-06
Company: NAVY FEDERAL CREDIT UNION
State: DC
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:
NAVY FEDERAL CREDIT UNION CLOSED MY ACCOUNT WHICH IS UNLAWFUL PURSUANT TO 12 CFR 10002.7 SUBSECTION ( XXXX ) ( XXXX ) TERMINATE ACCOUNT AS WELL AS PRIVITY OF CONTRACTION - PRIVITY IS A DOCTRINE OF CONTRACT LAW SAYS CONTRACTS ARE ONLY BINDING ON THE PARTIES TO A CONTRACT AND THAT NO THIRD PARTY CAN ENFORCE THE CONTRACT OR BE SUED UNDER IT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Early Warning Services, LLC
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:
Early Warning Signs has purposefully and maliciously degraded me as I called to resolve the two account on my record. The representative, two of them at different times, belittled me and said that I purposely chose to defraud the bank, not knowing anything about my mental or fanatical conditions as the accounts closed. When calling to make good and pay off the debts, I was sternly told that I will still have the derogatory marks left on Early Warning Signs as a punishment and that is quote unquote, and I happen to know that that is not within standards of this great nation as a consumer who has paid off an outstanding debt. I have the right to get them removed from my Early Warning Signs report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: IN
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Multiple accounts that incorrect are reporting on my credit report XXXX XXXX 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 2021-11-04
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
DISCOVER FINANCIAL SERVICES XXXX Date opened XX/XX/2014 Balance {$1900.00} // Charge Off DISCOVERBANK XXXX Date opened XX/XX/2014 Balance {$1900.00} // Charge Off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Purchased a car in 2013. The car was stolen and vandalized. The insurance company total the vehicle out. I also had GAP insurance on top of my regular insurance. Whatever my regular insurance didn't pay for GAP took care of the rest. {$21000.00} total and a balance of {$11000.00} is still on my credit report and this is false. This account has been taken care of by the insurance company and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
This complaint is in regards to Capital One Credit Card company, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. On XX/XX/2021, I applied for a credit limit increase for my Walmart card ending in XXXX. On XX/XX/2021, I recieved a letter from Capital One denying the increase due to they could not resolve the consumer alert on my credit file. There are two problems with this, first the second call was placed by Capital One, on XX/XX/2021 at XXXX, which is illegal. I did answer the call, which the call did not connect, also whenever Capital One would call about this, they would leave no message. My first complaint is that the credit card company should NOT be contacting a customer at that time of morning, i believe that is in violation of a federal law. Second, I spoke to XXXX, id XXXX on XX/XX/2021, i have never met such a rude and incompetent person who works on a customer service line, she offered no help, gave me attitude, and basically said well if the request is denied, its denied. A request for an appeal to the decision was asked, but ignored and she refused, probably because she is way more than incompetent. Also, XXXX lied to a customer, she told me that the supervisor i was speaking with, XXXX id XXXX was her direct supervisor, which was not correct, XXXX reports to another manager. XXXX was very lax in filing a complaint about XXXX, must be friends, and also much like her friend XXXX did nothing to address the situation or help the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I received a text that my Coinbase password had been changed and if I did not do this to call. I called and froze my account. A couple days later someone called asking me to send in my ID and provide authorization code to authorize my account. They told me my account was closed and secure. A few days later I was able to change my password and log in. When I logged in I notice over 22k of XRP coin was taken from the account. I reached out to coinbase to tell them and they froze my account again. Since then I can not get a response from them. They do not answer the phone and only allow for messages they will not return. I have messaged multiple times for them to follow up and no one is responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, INC.
State: IN
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit report looks not good. XXXX XXXX XXXX XXXX Where are these accounts came from. Im pretty sure that someone got my personal information. I dont know what to do now. My family is crying.

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 2017-08-02
Company: TRANSWORLD SYSTEMS INC
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX, 2017, I received a notice from a company called Transworld Systems , Inc. stating that my student loan was in default and had been turned over to them for collection. I immediately called my loan provider and verified that I was current and told them about this notice and they said they had no idea why I would be getting this notice. My loan had been sold to XXXX from XXXX XXXX - so I decided to contact XXXX XXXX to be sure they did n't show any delinquent status for my closed account and they confirmed that my account was sold to XXXX and was closed with no negative information on file. I decided to send a letter to Transworld on XXXX XXXX, 2017 explaining all of this and now I have received a response from Transworld stating that this debt is valid and included a copy of all of my personal information with all my student loan transactions since I received the loan. Please help me to resolve this issue as I am getting nowhere!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: JPMORGAN CHASE & CO.
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:
Back at the beginning of XXXX I had called JP Morgan Chase to be removed as an authorized user on their account and Was told that I had been removed by the end of the call. I looked at my credit today XX/XX/XXXX and It shows that I'm still on that account. I had the owner of the account call while I was next two her and they told her that I was not on the account, when we asked the rep to please confirm when I was removed she put us on hold to check the account. When she came back on the phone she stated that she was removed today XX/XX/XXXX when asked how this was possible she stated that the truth was that she just removed me from the account meaning that she lied to us on a recorded line and so did the rep back in XXXX when the cancellation was requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX FINANCIAL XXXX negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1000.00} XXXX XXXX account. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$200.00} Status Collection account. {$200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$170.00} Status Collection account. {$170.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RXXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Single family XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX  Apartment complex XXXX XXXX XXXX  XXXX XXXX, FL XXXXXXXX XXXX XXXX  Single family XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Single family XXXX XXXX ) XXXX Residential ( XXXX ) XXXX Residential ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX, XXXXXXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX HOME XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-02-13
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:
There was an incorrectly reported repossession that was reported on my credit report in XX/XX/2010 by XXXX XXXX XXXX. There was no repossession. No other bureaeu reports this except Equifax. I have contacted XXXX and they blame Equifax for inaccurate information and it is on them to correct. Equifax will not remove this item, besides being inaccurate this is beyond the 7 year reporting mark on credit. I'm being punished with false information that they will not remove from my credit report. This has stopped me from obtaining credit. I do not understand how a company can report false information, and beyond the time frame for reporting and still not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: EQUIFAX, INC.
State: AZ
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 's is reporting a charged off account on my credit report for an authorized user account. I was not liable for this account and I demand it gets removed. I have sent credit bureau dispute letters and they are still reporting it on XXXX XXXX and Equifax. XXXX has corrected it. Thank you, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Square Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is my third charge back issue with square bank ( the prior two attempts at charge backs were for small amounts so I did not peruse as diligently ). Every time I attempt to initiate a charge back their company never emails me back despite their XXXX guarantee. I have submitted requests for support 3 days in a row ( once a day after XXXX hours ) and have received no response. Their phone number merely tells me to use the app again, I feel as if I am attempting to resolve this dispute with a wall.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Exeter Finance Corp.
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: Credit inquiries on your report that you don't recognize

Complaint:
UNKNOWN INQUIRES MADE ON MY CREDIT REPORT, I CONTACTED THE COMPANY AND THEY ARE NOT WILLING TO REMOVE THE INQUIRES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX Reported : XXXX XXXX, XXXX + {$5800.00} Closed XXXX/XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$3100.00} Closed XXXX XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-11-16
Company: John C. Heath, Attorney at Law, PLLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
So, Last XXXX I purchased labtop and lots of other XXXX gifts with XXXX. I got charged for movie channels and called them using the contact us at the bottom of the First page. So called me when I gave them my phone Number. On my Bank statement it showed the total cost for the XXXX $ So it was charged and Money was In my checking Account for it. But, when i talked to the lady from XXXX that I got charged almost XXXX $ worth of Video Channels and Other extra charges that I canceled so many times. She said she looked it up and-saw that havent used anything I was being charged for, so i got off the phone with her after 2hrs she told me that my refund will go directly back into my account in 3-5 business days this was XX/XX/2019 so i got the emails and went to the bank and it showed 2 electronic Digital Refund for One that was around XXXX $ and the other refund was for XXXX $ Then at the end of my the month they decided without contacting me they charged me again taking it out of my checking account. And i called ti asked what happened they just told me that they shouldve refunded me for the Laptop and other electric i told them that it wasnt on the statement as the computer. So i said thats fine but she should have known what to refund the day after i go to the back and because they took that money out if my account it cause me to overdraft. Cause when they did it it didnt have enough money in the account : then i called and complained. They told me what happened then i put money into the account and then when i got the statement for the next two weeks they took the items off refunded again yep i dont know why. Then called them again they said there wasnt money in the account so thats why they so the charge went through when i did I said ok now everything should be find right? They said yes the items are now paid for. Well then I started receiving letter telling me that i have not paid fir theItems so they just kept coming same charges but saying it wasnt paid fir.. now how is that possible i told them the man on the phone said sorry it got submitted to the credit company and he said he had the records that indicated that everything was now paid for but they kept coming every month that i got so tired of it and stopped using XXXX all together now the passed two months Ive been getting a charge fir XXXX $ from Lexington Law credit company . So now Im m trying to get them to stop charging me for a mistake of the employee that refunded the wrong items in the first place .. I was finally happy with my credit score but now this just keeps me From doing anything. Them workers at XXXX really messed my credit up and its been so stressful so please if you have any advice let me know thanks XXXX XXXX

Company response to consumer: Closed with explanation