BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
About two years ago, XX/XX/XXXX if I remember correctly, my identity was stolen ... Personal belongings of mine fell into the hands of imposters. Whoever they were, they used my cell phone to get into my checking account thru the app on my phone I assume, and started transferring money to themselves using XXXX. This happened XXXX, XXXX, XXXX, XXXX, and in XX/XX/XXXX she/he wired {$1500.00} from my account to themselves ( of this I have proof of who did it, but only proof of who did this wire ). There was also a fraudulent check made and cashed against my account in XX/XX/XXXX. 
Since I learned of my money being stolen from my account, I was reporting it every month to my financial institution ( USAA ). For almost two years I fought with USAA to get my moneys back. USAA failed to do as they promised, I never received the provisional credits, not on the full amounts stolen ... Instead, USAA decided to close my account, after 23 years with them, insighting me as a liability ... The representative told me that I should have taken better care of my personal effects, I should have had a pin code or lock on my phone, I should have secured my things better .... All of which I had done ... All of it!!! I don't think USAA treated me very fairly, and since closing my account has created a world of difficulty for me in recouping my money still held in my closed account. That is another problem in and of itself ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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: Information belongs to someone else

Complaint:
XXXX and Equifax are allowing the reposting of a fraudulent account. The debt on this account has been transferred to multiple debt collectors after requesting that the data furnisher and the credit bureau block and notate the account last year in XXXX. I would appreciate if the bureaus did their job so my credit can stop the roller coaster journey.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I can not access any of the Experian on line services because a message is returned that the information entered can not be validated or the information submitted does not match the information on file. Experian does not allow any connection to a " REAL PERSON '' no matter what I try,. I have called all the telephone numbers that are available and every one of them gets me an AI voice machine that provides absolutely no ability to connect to a person. I have my account on CREDIT FREEZE and periodically I have to suspend the freeze in order to open a new account, or with the current incident, purchase a new vehicle. Everyone, myself included, is rejected whenever they try to get information from Experian about my credit. Experian has some corrupted, inaccurate information on file for my account, and I have no way to get them to correct it. 

It is not right that any company can control my ability to purchase a new vehicle or any other financial transactions without giving me the opportunity to contact them and have them correct their records. The only option they allow is for me to write to them in Texas and they will try to help me within 15 days, providing I send them a long list of proof of identity. I have done this but I do not have 15 to 20 days for them to take action on a problem they have caused. Remember they were the ones who enabled HACKERS to access my account and all my financial date. 

Experian should not be allowed to prevent me from contacting a real person when I am having these type problems with their records on me. Their web sites provide a telephone number to reach customer support or to reach technical support, but, all these numbers connect to an artificial voice machine that always ends up in the same place, no connection to a person and no resolution of the problem. 

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 2017-11-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fraud Alert on my acct -- - I NEVER requested same. Did not authorize.

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 2021-12-08
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:
1. ) XXXX, XXXX and Transunion refuse to remove fraudulent accounts from my credit profile in which is a result of identity theft. 2. ) Their claims are without facts and they make statements such as the creditor certified the information. 3. ) Upon my request to to review the certification documents that the creditor certified all credit reporting agencies denied my access to review the file. 4. ) a creditor must not certify its claims ; it must verify its claims and alleged debts in which XXXX has not verified its alleged debt, there is no original contract between I and XXXX and I have never lived at XXXX XXXX XXXX XXXX XXXX ; XXXX Florida XXXX. XXXX. ) therefore no debt can be verified and must be removed and I am no longer to be harassed by XXXX over debt that is the result of identity theft.

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 2021-12-07
Company: JPMORGAN CHASE & CO.
State: MT
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:
THE FOLLOWING INQUIRES ARE FRAUDULENT. I DID APPLY NOR AUTHORIZE ANYONE XXXX  APPLY ON MY BEHALF. PLEASE DELETE IMEEDIATELY AS THESE INQUIRIES ARE IMPACTING MY XXXX XXXX. ALSO, THE FRAUSTER IS USING THE EMPLOYMENT " MAD XXXX XXXX XXXX ''. I HAVE NEVER BEEN EMPLOYED BY THIS COMPANY. 

XXXX. XXXX XXXX ON XX/XX/2021 XXXX. XXXX XXXX  XXXX ON XX/XX/2021 XXXX. JPMCB XXXX XXXX ON XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 ' XXXX. XXXX XXXX XXXX ON XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 checked my report before going to purchase a car and I noticed these accounts that don't belong to me. 

1. XXXX XX/XX/XXXX {$430.00} 2. XXXX XXXX   XX/XX/XXXX {$110.00} 3. XXXX XXXX XX/XX/XXXX {$220.00} 4.XXXX XXXX/ XXXX XX/XX/XXXX {$260.00}

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 2018-01-19
Company: CBV Collection Services Ltd.
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On X/XX/2018 at XXXX XXXX, a representative from this number : XXXX called, as they have done prior, earlier than allowed. I spoke with the representative briefly about this. not being acceptable to do, when the call dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Coinbase, Inc.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Coinbase charged my XXXX credit card {$3300.00} even though my account with Coinbase has  been closed for over a week. 

There is no way for me to have authorized this transaction since my account with Coinbase has been closed for over a week. Also, there is no way for them to have given me anything in return for this charge since I no longer have an account with them. 

This is fraud on many levels. One, they keep my banking information and credit card information on file even though my account with them is closed. Two, they still charged it even though I do not and can not authorize a charge. Three, no message from Coinbase regarding this charge. 

I since contacted XXXX to have my credit cards closed and changed to new ones. I also had to set up extra security measures on my bank accounts to try and prevent additional charges Coinbase might try.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Thank you so much for this opportunity. During COVID I applied fro forbearance and I was not able to make payments for 4 months. Afterwards, the mortgage company asked to modify my loan and I turned in everything I was supposed to turn in. Then they doubled my payments from XXXX to XXXX. I told them that and they refused. I continued to make payments every month and applied again with them. Anytime, I call, suctomer service judge and harrass you instead of trying to help you. They degrade you to a point that you get upset and angry on the phone. At a point I reached out to their president for help. I emailed an she never even acknowledge nor pick up the phone. These company seems like they want to find a way to foreclose on you no matter what and not try to help. The company is Fayservicing. 

Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Ability Recovery Services, LLC
State: WA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ability Recovery Services , LLC has reported a collection account on my credit report which has seriously negatively impacted my credit. 

Despite me disputing this account with the credit bureaus multiple times, Ability Recovery Services verifies the debt belongs to me. 

Open date XXXX/XXXX/2017 Original creditor XXXX XXXX To date XXXX and XXXX  have yet to remove this ficticous or fraudulent debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e '' .THE LARGE DEBT CAN NOT BE VERIFIED XXXX  I HAVE YET XXXX  RECIEVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

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 2021-12-07
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Hyundai adjusted wear and tear amount to lower value, which we paid and resolved. It was then reported as a late payment and lowered our credit score. Hyundai is refusing to fix it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
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 status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$460.00}

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 2019-10-14
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Barclay has for a 4th time now not been able to manage this account correctly. Im not going to get into the details of the other 3 XXXX ups. But this time they doubled the debt on my account from {$13000.00} to {$28000.00}. They also tacked on another {$300.00} interest fee which is not allowed again as this is a 0 % card and Ive been promised repeatedly that this repeated disregard of the contract on adding fees would end

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 2021-02-17
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Saw 4 pending unauthorized transection totaling {$79.00} dated todayXX/XX/XXXX, called my local branch to report it but no one answered the phone during their working hours! called their main XXXX XXXX XXXX and was transferred to fraud dept and narrated my story for about 25 minutes to Ms XXXX gave her all the info and then got disconnected, this rep did not even try calling me back! 
Called TDBank again waited to reach the fraud dept took about 27 minutes while new Rep Ms XXXX gathered all the info, refused to let me speak to the previous rep Ms XXXX, or her supervisor or manager, refused to ask their manager to call me or would not even share her supervisor 's email!! 
Even thought they have all my contact info on file they fail to inform me of any impending fradulant debits. 
Also unwilling to stop the impending fraudulant debits charges occuring while i was reporting!!!!! 
I am not sure what to do, can you please help. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

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 2021-02-17
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: Account information incorrect

Complaint:
Beginning XX/XX/XXXX I tried to buy another home for renovation purposes. My loan officer informed me I had a missed payment from XXXX XXXX in the amount of {$3400.00}. This was an accumulation of missed payments from earlier years in which I had a hardship and remodified the loan. The mortgage was now current. I received the necessary documents from XXXX XXXX reflecting the loan was current and thought I rectified this issue with them and Equifax. As only Equifax is the only credit bureau reflecting such a negative impact due to this. I attempted to buy another house for renovation in XX/XX/XXXX ; again my loan officer informs me that I have missed payments from XXXX XXXX. This can not be as I am on automatic bill payment. XXXX XXXX did provide me with documents on multiple occasions to submit to Equifax ; however Equifax told me they can only report what is reported to them. It is possible that XXXX XXXX is erroneously reporting to Equifax. As I followed up with XXXX XXXX and I was informed that they should not have been reporting at all due to a bankruptcy filed by co-borrower. However co-borrower " Quit Claimed '' themself from deed. XXXX XXXX at that time informed me they would start reporting my on time payments. However after my last few conversations with them, they have sent me correspondence saying that they will not report anything on my credit report. Review of my credit report reveals they have removed my good payment reporting, and have left the negative report from XXXX. Since I started dispute with Equifax and XXXX XXXX in XX/XX/XXXX, my credit score has dropped on Equifax alone by 93 points. This is an egregious disservice and wrong to me, and is severely impacting my life. XXXX XXXX nor Equifax wants to help solve the problem and continuously shifts the blame, while leaving me as the consumer negatively affected. I need help, as credit is a resource that has a huge impact on one 's financial outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Received text message that Wells Fargo credit card may be compromised so I followed the link and unfortunately provided all my personal and private information. I have also had an unemployment claim filed that is fraudulent as I am still employeed. 

Text link came from http : 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 2018-01-19
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On XX/XX/XXXX, I received an alert from Equifax Gold Credit Watch service that my XXXX XXXX account balance had increased {$1900.00} to {$2300.00}. I immediated checked my XXXX account, and there was no such transaction current or pending, or any balance nearly that high past or present. I used the Equifax service to check my credit reports from all 3 bureaus. There was no such transaction at any of them. I have had a freeze at all 3 bureaus since XX/XX/XXXX and when I checked, none had reported any fraud activity or credit check attempts. 

The Equifax service provides no additional information. I contacted them to ask them what this alert was based on. I was told it was up to me to investigate, that the alerts are usually " routine '' and might be up to 90 days old. In fact, the last transactions showing on my credit report for my XXXX account is fromXX/XX/XXXX!! I replied that I did investigate and found nothing, and needed details regarding the account number, date of transaction ( s ), vendor, etc. I was told again it it was up to me to investigate. They have refused ( or are unable to ) give me any information on this alert. In my attempts to talk to someone on the phone I have been put on hold, dropped on a transfer, and still not gotten any information. 

By their own admission, this is not an " early warning '' alert. It does not, apparently, reflect what is happening on your own credit report. Not only does Equifax not provide accurate information -- they do n't provide any at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I opened an account with coinbase.com to purchase crypto currency. I added banking information to make trades. I 've tried to log in for a couple of months but I 've been locked out. I submit emails and I get canned response. But to no prevail do I get any sort of customer service follow ups as well as I still ca n't log in. I 'm concerned that they have my banking info. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: SYNCHRONY FINANCIAL
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:
There are fraudulent accounts and inquiries done in my name i was mugged at a XXXX the jacker took my purse with my bill folder inside along with my driver license and social and the fraudster opened up accounts in my name and used fraud addresses in order to obtain credit in my name I have tried to resolve the issue with the merchants but i was not successful.

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 2021-02-17
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I mailed out dispute letters to XXXX, XXXX, & Equifax concerning inaccurate information on my credit report and I have not received a response at all.

Company response to consumer: Closed with explanation