BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of the account which does not belong to me or was opened without my permission. 
XXXX XXXX  XXXX Balance : {$4900.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-11-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a checking account with Chase Bank. I checked my balance and found out my account balance of {$890.00} was showing {$0.00}. I called Chase bank and they referred me to their fraud department. I called the fraud department to report stolen money from my account. After many long phone calls, it was discovered that a ( false ) levy was issued against my checking account. I searched the court and found a ( false default judgment ) against me. I went to a Dispute of levy hearing and received 2/3 of my money back. Later, the case against me was dismissed ( false default judgment ) because I never had a WAMU credit card.

I advised Chase bank, and they never re-opened my account, nor did they refund me the {$95.00} legal processing fee they withdrew from my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone has my identity and used to open many credit cards under my name but all the applications have been denied because blocked my credit. They used my Discover, XXXXXXXX XXXX  credit credit to purchase many big transactions. Also, they singed in my XXXX  XXXX checking account and transferred {$10000.00} from my XXXX XXXX credit card in to my checking account. Then, they tried to withdraw money at XXXX XXXX at XXXX XXXX XXXX XXXX, CA XXXX. The teller XXXX XXXX ( XXXX ) XXXX replied that something was not right and denied then blocked my account. XXXX  XXXX case number is XXXX. 

XXXX XXXX Police report number XXXX on XXXX XXXX, 2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11
Company: CITIBANK, N.A.
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/XXXX I booked a room reservation via XXXX for XX/XX/XXXX using my Citicard XXXX. Due to the pandemic, I notified Citicard on XX/XX/XXXX to dispute charges and cancelled my booking for the reservation # XXXX at XXXX. On XX/XX/XXXX XXXX informed me that they made a mistake on the cancellation and offered me a voucher. Since XX/XX/XXXX I have tried to contact both XXXX and Citicard to resolve the issue as I was being charged interest on the booking charge. 
OnXXXX  I finally got through to a human at XXXX and they are " reviewing the case '' and assigned # XXXX and told me it would take up to 4 weeks to resolve. 

On XX/XX/XXXX I finally got through to a human at Citicard and they refused to credit the interest charges on the {$120.00} charge. 

As of XX/XX/XXXX the interest charges for the cancelled reservation amount to {$73.00}

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 monetary relief
Consumer complaint received 2020-09-17
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:
This is the 3 time I have filed a complaint after looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below :  XXXX/XXXX # XXXX, 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 2018-07-21
Company: Bread Financial Holdings, Inc.
State: MI
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:
XXXX  CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX   XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX XXXX XXXX XXXX XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE XXXX - XXXX RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXX {$2800.00} Account Details Last Reported Collection Agency Original Creditor Status Opened Date Closed Date Responsibility Balance High Balance Remarks XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX BANK Open XX/XX/XXXX -- Individual {$2800.00} {$2800.00} Account information disputed by consumer, meets FCRA requirements Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02
Company: ALLY FINANCIAL 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:
Ally pulled credit report XX/XX/18 through XXXX  and told the dealership there was a fraud alert on the credit report and could not proceed. I verified with XXXX  there was no fraud alert.

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 2017-12-22
Company: Coinbase, Inc.
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I had my account locked for over a year and now want access since the number of bitcoin there is worth a good sum of money. I have been waiting for the " specialist '' to help me for a while and nothing so far. 

Why does it take this long to response an issue? XXXX does n't care about its customers and is greedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: UNITED COMMUNITY BANK
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/20 A debt validation letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was ignored. A modification request was received on XX/XX/20 by UNITED COMMUNITY BANK XXXX XXXX ; XXXX XXXX  XXXX with respect to a bad loan that the bank previously made to Me. 

Which was denied and I request an appeal and provide evidence to support that I made enough money to pay my mortgage. 

I did show an hardship according to 1403 HERA sec 1639a. These company have violated my rights and have knowing entered into predatory lending practices and have violated the lending laws. I also request a copy of the complete serving file and have not received anything from these companies. Section 809 ( b ) of the Act provides that if the consumer disputes the debt or requests identification of the original creditor in writing, the collector must cease collection efforts until he verifies the debt or identifies the original creditor and mails a response to the consumer. If the consumers request for verification of the debt was made in accordance with Section 809 ( b ) of the Act ; the collector need not supply the documentation but only so long as collection efforts are not resumed. Section 809 ( b ) requires that the collector cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt... and a copy of such verification... is mailed to the consumer by the debt collector. 
NOTHING HAS BEEN RECEIVED FROM THESE COMPANIES. 
They have violated the debt collection laws, the 1403 HERA sec 1639a laws, and the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) ( Public Law 116-136 ) By offering me a modification and not approving it for the Mortgage and then trying to proceed against me in a non-judicial foreclosure is deceptive and unfair. They have breached their legal duty to act fairly and in good faith by engaging in unfair and deceptive practices. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and UNITED COMMUNITY BANK XXXX XXXX XXXX XXXX XXXX XXXX are redlining my loan and have foreclosed on my property without proper validation. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and UNITED COMMUNITY BANK XXXX XXXX XXXX XXXX XXXX XXXX has shown Discrimination on the basis of race national origin in the terms and conditions, or privileges of sale of a dwelling, in violation of 42 U.S.C 3604 ( b ). The is a gentrification of the neighborhood.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Hi!! 
I have had an account with Best Buy for about 10 years. I have never missed a payment nor have I ever had any slow pays on the account. I made a purchase on the card and paid the account in full and over paid what was due by {$150.00}, so a credit of {$150.00} was applied to my account. 

My credit limit on the card is {$1200.00}. After that, I made a purchase around {$100.00} which still gave me a credit of about {$40.00}. I also received a statement in XXXX stating that as of XX/XX/XXXX, XXXX the balance was paid in full and that I was using 0 % of my accounts limit. 

In contrast- for whatever reason- I received a notice in XXXX stating I was 30 days past due in the amount of {$2.00} and it was reported on my credit. I immediately- left my job .... I am an essential worker and went to Best Buy to make the payment of {$2.00} and spoke with a manager. I was told I need to dispute the discrepancy with CBNA BANK. To date- I have not received any type of resolution. I have sent in copies of the receipts and bills to show my payment was made on time and also showed the bill that was sent to me stating I have never paid late. I am very frustrated because they have made an error by reporting this on my credit and my score have drooped over 60 points. AND THEY CONTINUE TO REPORT ME LATE ... .. NOW IT SAYS IM OVER 90 DAYS PAST DUE!! 
I was in the middle of financing for obtaining a home loan. Now my family and I can not move forward.

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 2017-09-21
Company: ALLY FINANCIAL INC.
State: LA
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:
On XXXX XXXX, XXXX, there was an inquiry request made by XXXX XXXX and was sent to the companies listed below. I contacted XXXX XXXX about the unauthorized inquiry and that it had to be removed because I did not authorize them. XXXX XXXX typed a letter stating that the inquiries were made in error and I did not fill out an application. Each letter was sent to the companies with my request to remove them and my request was not granted. Attached is a copy of the letter from XXXX XXXX. 

The following companies pulled my credit from XXXX : XXXX XXXX XXXX Bank ALLY Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto The following inquires were pulled from my XXXX : XXXX XXXX Auto Finace The following inquiries were pulled from my XXXX Credit Report XXXX XXXX Auto 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 2023-01-04
Company: EQUIFAX, INC.
State: NV
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:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
A payment was made using XXXX XXXX XXXX  electronic payment system to your institution on XX/XX/2023 for the entire amount outstanding. Marcus by Goldman Sachs failed to apply the credit at all. Additionally, they have charges fees & interest. They need to immediately credit the payment, remove all interest & Fees, report to all credit bureaus that my payments have all been made on time with a XXXX balance. 

This is the 2nd time they have misapplied a payment to my account. I was assured a year ago this problem would be resolved and never happen again. Obviously, Marcus by Goldman Sachs failed. I believe compensation is required at this time for these repeat offenses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-01
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: Personal information incorrect

Complaint:
I am requesting that the following information listed removed from my report. This information is inaccurate or no longer in use. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and 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. 
Please list my name as XXXX XXXX XXXX and my telephone number XXXX this is my current and up to date information.

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 2020-09-18
Company: Experian Information Solutions Inc.
State: MA
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: Problem with personal statement of dispute

Complaint:
I filed a dispute with the credit bureau and all they did was to reach out to the lender to verify the payment history. Not sure what is the purpose of a dispute if I present my evidence and it doesnt get taken into consideration. Basically why did you ask me to provide support if your not even going to use it to figure out my case. 
I feel that this system is rigged from the beginning and the consumer doesnt have a chance to win anything that they are disputing.

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 2019-11-05
Company: Experian Information Solutions 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:
XXXX XXXX XXXX # XXXX is being reported on my Experian, XXXX, and XXXX  credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.

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 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Last year and this year 2021 I disputed items and the bureaus haven't provided proof of items that are not mine.

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 2023-07-31
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I notified XXXX in XX/XX/2019 I had received mail regarding an account opened in my name that I had not signed up for. In XX/XX/2019 I had experienced fraud issues with several other creditors who actually attempted to verify my identity before allowing accounts to be opened in my name in XXXX of XXXX and reported to XXXX and they put a fraud alert to creditors with my name and information. All the other creditors ( XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) were resolved with one phone call. This fraud alert was active when XXXX allowed an account to be fraudulently opened in Florida ( I have resided in Illinois for over 40 years ) in my name. A simple credit check would have have prevented this whole matter. Instead in 4 years XXXX  has referred me to collections twice despite my providing proof of identity theft including a police report. Collection agencies have harassed me repeatedly with calls and letters. XXXX has never resolved or responded to my reports. At this point I consider this harassment and a violation of the Statement of Identity Theft Victims rights, Had XXXX done the most basic credit check they would have found the was fraud alert for accounts attempting to be opened with my SSN in XXXX of XXXX Out of 5 attempts to open accounts using my identity in XXXX and XX/XX/2019 XXXX was the only company who failed to take this simple step resulting in what is now a 4 year campaign of harassment and unwarranted negative reports on my credit history.While I have spent hours trying to rectify this issue and provide documents to report this as identity theft XXXX has not provided a single shred of proof to establish I opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This is from years ago, when I really need the money. It was only about 150 dollars. Now they want to settle with over 350 dollars. I said okay, but I cant do it now. He said it has to be done now. He is a legal courier for XXXX XXXX. Where I live. He left me a voicemail today threatening to come get me implying either arrest or something worse. His name is XXXX XXXX he has been calling me non stop and leaving these kinds of voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
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:
the inquires listed in this complaint was not me i did not fill out these applications

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