BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX inquires on my credit file that are not mines i have submit paper work and called and still havent recieved proper document. I have noticed that name is mine but the social security number and other personal information are not mines im jut trying to get the inquires deleted from my file.

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 2023-06-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Upgrade, Inc.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I transferred XXXX from my upgrade checking account into my XXXX checking account and as of today date XX/XX/2022 the transfer still has not be completed. I have suffered {$88.00} overdraft charges. I called and spoke to someone and was told that it usually takes 4 days to transfer, but mine is going to take 10 days. I was told it would be in my XXXX account XX/XX/2022. I still have not received this transfer and still have autopay coming out until this money is in this account which will be charged XXXX overdraft charges to accumulate. Please help me with this issue. XXXX is almost here and I dont have any money for bills, groceries, gas and the rest of my bills. 

Thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently reviewed my XXXX credit report and I was totally shocked to find Capital One Bank is still reporting these fraudulent accounts on my credit report. I am requesting for Capital One Bank to send XXXX  a request immediately to remove these fraudulent accounts. I have attached a copy of letters I received from XXXX XXXX who handled my fraud case. He stated that all three major credit reporting agencies need to remove these fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03
Company: Risecredit, LLC
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Tried to pay account the website would not let me pay my loan when logging in the rep said I had a day and deadline to pay it on the day of the deadline it after logging it the website would not allow me to make my final payment therefore therefore causing me to default on my loan I also tried calling the office and was unable to get a rep back to accept payment rise makes it difficult to get assistance to get anyone on the phone to pay and locks up their website on the date the payment is due causing the consumer to pay late fees and terminating account due to their system error

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX and my TransID is XXXX. On XX/XX/2019, a XXXX XXXX cashier associate fraudulently created a line of credit without my permission including the use of an incorrect social security number to be filled under the creation of the account. On XX/XX/2019, I contacted Transunion for guidance and requested XXXX XXXX to submit a deletion of credit inquiry directly to Transunion. I have been informed, by Transunion, that the removal of the credit inquiry will take place when this cover letter is received by myself and the deletion of credit inquiry is received by XXXX XXXX. 

On XX/XX/2019, I contacted Transunion for a status update as it is only a few days away from the 60 day timeframe. Transunion informed me that they received my cover letter that was mailed to them but did not receive the letter of deletion of credit from XXXX XXXX. I informed the representative that XXXX XXXX does not provide the customer a copy of the letter and that it is electronically sent to Transunion. Transunion persistently said that the matter is still open until I provide a copy of the letter of deletion of credit. However, I am unable to according to XXXX XXXX. 

I will be filing a claim against both agencies as their processes are not aligned with one another. Please determine the correct coarse of action whether Transunion is able and should receive electronic letters of deletion of credit or if XXXX XXXX must provide the customer a copy of the letter of deletion of credit. In addition, XXXX XXXX automatically opens a line of credit with simply a drivers license without validating the correct social security number.

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 2017-12-14
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I updated my Coinbase App on iphone on XX/XX/XXXX. The updated Coinbase app was requesting me to re-login. I received SMS verify code from them and it just didnt work on the app. After several times of trying, my Coinbase account was temporarily disable. I followed the steps from Coinbase.com and submit a support request through email. No one respond. From the morning of XX/XX/XXXX to today, I called Coinbase customers support line four times and waited 40 mins on average. The call was disconnected 4 times. They sent me follow up emails that provide same information I can find online ( not actual help ). They have no idea, or no plan on how to solved the problem. No one from Coinbase has ever contact me beside the email that tells me to wait. 

It has been 5 days. The market changes every second. Their irresponsible customer support could result really thousands of customer a desperate financial situation. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Ad Astra Recovery Services Inc
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I monitor my credit on a regular basis and noticed that this item popped up in XXXX of this year. I filed a identify theft affidavit as well as a notarized letter and sent it to them. Prior, I have challenged this item to no avail. This is absurd, I have no knowledge of this company, never authorized a payday loan and have had no accounts with with ever. Not one person resolved this egregious error. It's ludicrous that you can put anything on a credit report without anything being validated and it's hard for the consumers to repair. As I'm approaching my closing date for my house this further jeopardizes yet something else I worked hard for, my credit and buying a home. I want it removed from all 3 credit bureau or I will have to pursue other legal recourse. My identify theft report is included as well as my notarized affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian Credit reporting and XXXX want give me information about a bankruptcy reporting on my credit I called the court and they said they are not showing any information, I talk to both repairing agency they said they are getting the report from a 3rd party but they are getting from the court house.

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 2019-10-04
Company: Experian Information Solutions 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:
Experian is reporting 3 different 30 day late payments on my Credit report. I have paid thousands of payments on time because they are all set up on automatic bank draft. These three accounts were all paid on time and are reflected as so on the other credit bureaus except Experian. I sent letters but they come back " Verified '' I do not know how something can be Verified when it is incorrect? I have over 16 years of perfect payment history on my Credit reports and these three errors are causing me great distress. 
XXXX/XXXX XXXX shows a XX/XX/XXXX 30 days late. 
XXXX XXXX shows a XX/XX/XXXX 30 days late and XXXX XXXX*** shows a XX/XX/XXXX 30 day late.

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 2021-02-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This card was closed by me in XX/XX/XXXX ( to avoid hefty new annual fee ). I was still using the card in XX/XX/XXXX. On XX/XX/XXXX, I was advised a merchant was issuing 3 refunds totaling {$1100.00} back to the card due to COVID cancellation of an event I paid for with the card. I called Chase customer service on XX/XX/XXXX, who confirmed the refund back to the card would be received and I could access it. On XX/XX/XXXX, Chase advised they had " purged '' my account and would not receive the refund, I could no longer access statements, and I could no longer access XXXX Spending Reports for tax purposes, which was a substantial benefit of this account. Chase advised that the {$1100.00} refund would be returned to the merchant, which could take another 30 days. Chase 's own policy is not to purge until an account has been closed for six months or longer with a zero balance. Chase has no explanation as to why I was misinformed on XX/XX/XXXX, or why my account was cherry-picked by Chase for purging only three months after it was closed. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
Hi, 3-4 years ago I had a credit card with XXXX XXXX and I recently checked my credit score and I saw something negative report on it from them. I called XXXX XXXX on XX/XX/19. For an hour I spoke to 9 different reps. going back and forth trying to resolve this issue. After providing my social and all info required for an account they had said that there was no file and account there with my name/ info on it. Therefore, this information is incorrect and needs to be removed from my credit report. It is is hurting my credit and prohibiting me from getting funding for my business. I tried to work with them to get this resolved, but no one could help. I need this information taken off of my report as soon as possible. I've done everything in my power and don't know what to do at this point. I'm very disappointed in the disorganization of state farm and this has been quite a frustrating experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THESE ARE ACCOUNTS THAT I DID NOT AUTHORIZE AND I HAD NO IDEA THAT SOMEONE HAD ACCESS TO MY PERSONAL INFORMATION. I AM IN DISTRESSED BECAUSE THESE DEROGATORY ACCOUNTS HAVE CAUSED DAMAGE TO MY FILE AND HAVE PREVENTED ME FROM ATTEMPTING NEW CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE INACCURATELY PLACED ACCOUNTS OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: National Credit Systems,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:
National Credit System reported an account that belonged to someone that with a similar name that does not belong to me. I have never lived at this property called " XXXX XXXX XXXX XXXX XXXX  '' in XXXX, Texas and I have never signed a joint contract with XXXX XXXX ( I've never heard of that name before and it is not even closed to my wife 's name ). 

I have tax records and a lease contract copy that proofs I was living in a different state at the time. 

I disputed with XXXX last year and they removed from my report but now this collection is showing in my XXXX credit report. I disputed with XXXX but they came up with the resolution below : " The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I demand that this account be removed from my XXXX  credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of america locked my debit card after i deposited some money into my account and attempted to withdraw some money at the SAME atm i always use this would be no issue normally but they are now telling me on the phone i have to step into a branch to remove the block? ive never had to do this when ive had this issue before. 

There is simply no bank of america branch  near me, this is almost impossible to do to remove this lock on my debit card : / ... ive verified myself no problem on the phone but they still say i have to come in a branch and im telling them i cant because i just dont have access to a bank near me ( 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 2023-07-18
Company: EQUIFAX, INC.
State: MN
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:
Delete the account XXXX XXXX XXXX from my Credit Report. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 USC 6802b I was never given the option to opt out which is illegal. Also it is my right to receive an explained nondisclosure option and this was never given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector has not only violated me and my rights as a consumer, but they have violated and blatantly broke the law at my expense. they have engaged is deceptive and unethical business practices against me, which goes completely against the FDCPA guidelines which is prohibited and considered a violation. 
They acquired and furnished this account which was not authorized by me in any way shape or form. We did not agree upon this account in any way shape or form. I DID NOT sign any agreement, legal contract or documents allowing this fraudulent account to report anything that has to do with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03
Company: M&T BANK CORPORATION
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 information incorrect

Complaint:
I received correspondence from M & T Bank dated XX/XX/2021. In the letter, it mentions needing additional information in order to thoroughly research your credit bureau reporting dispute. 

I asked for documentary evidence for the M & T Bank account reporting on my consumer reports because there is a billing error. 

There appears to be a billing error on my consumer credit reports from M & T Bank. As such, I am requesting documentary evidence pursuant to 15 U.S. Code 44. 

Documentary evidence includes all documents, papers, correspondence, books of account, financial and corporate records. 

Books of account - Any journal, ledger, and supporting vouchers included in a system of accounts. 

Financial records are documents that provide evidence of or summarize business transactions. A well-organized set of financial records is an essential part of an accounting department. At the most detailed level, financial records can include invoices and receipts. At a more aggregated level, financial records include subsidiary ledgers, the general ledger, and the trial balance. At the most aggregated level, they include the income statement, balance sheet, and statement of cash flows. 

Generally accepted accounting principles ( GAAP ) refer to a common set of accounting principles, standards, and procedures issued by the Financial Accounting Standards Board ( FASB ). Public companies in the U.S. must follow GAAP when their accountants compile their financial statements.

Since M & T Bank is publicly traded, its financial statements must adhere to rules established by the U.S. Securities and Exchange Commission ( SEC ). The SEC requires that publicly traded companies in the U.S. regularly file GAAP-compliant financial statements in order to remain publicly listed on the stock exchanges.

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 2020-03-05
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have called Freedom Mortgage multiple times to get my PMI removed from my mortgage loan and i keep being told it is not possible. I am above the 78 % equity and do not understand why it is not possible to remove this pmi insurance from my mortgage payment.

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 2017-12-19
Company: DISCOVER BANK
State: NC
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:
I made a one time payment with Discover on an old bank account I had in the summer. Discover has been automatically trying to take payments since XX/XX/XXXX. I have been getting charged s return  fee of XXXX for the last 5 months. Discover has not contacted me about this and have n't sent me a letter. My credit score is dropping every month and I did n't know why. Today XX/XX/XXXX is the first day I was told about this fee. I told the rep I was in the process of a home refinance and I need my XXXX statement not to reflect a over the limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Midstate Collection Solutions, 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 status incorrect

Complaint:
XXXX XXXX XXXX placed an open collection amount on my credit report for the amount of {$5000.00}. This account was opened during the time I attended college at the XXXX XXXX XXXX in XXXX XXXX I lost my college financial assistance for my spring semester of schooling and was forced to move back home. This account was opened XX/XX/2018 and has been delinquent since. This account is causing a negative impact on my credit score and needs to be removed as soon as possible. I did not give permission to creditor to sell my information to debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Experian Information Solutions 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

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 2019-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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

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