BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: DE
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 contacted the companies three months ago multiple times because I pulled my XXXX credit reports because I am in the process of purchasing a home and noticed a lot of inaccuracies a crossed all three credit reporting agencies. For example, XXXX of my accounts states I was late on XXXX XXXX  times, Equifax XXXX, and XXXX XXXX. Another example, one account reporting open on XXXX and closed on XXXX. There are also collections reporting on my reports I never did business with that don't belong to me. The Reporting Agencies refuses to remove unverifiable late payments and accounts. 
In 1970, The Fair Credit Reporting Act was passed into law to help ensure the accuracy, fairness, and privacy of the information in consumer credit reports. The FCRA requires Reporting Agencies remove outdated negative information and inaccurate information disputed by a consumer. Individuals have the right to request a copy of their credit report, to dispute incorrect information, and to ask for verification of the information contained within each credit report. 
If the Reporting Agencies can't validate or verified accounts with proof, the account must be deleted immediately. The reporting agency keep sending me documents stating accounts was verified without providing me proof. I keep asking for proper documents the agency 's are using to validate and verify account information but never received it. 
I just want fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Credit card
Issue: Billing disputes

Complaint:
I send my credit card payment on time every month and they charge me fees in the form of interest, I have contacted them once before and they said it would not happen again, It has happened again and they charge finance charges,,, I always send my bill 8 days before it is due. Thank you for your help XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX   XXXX  ,2015-   XXXX  I call  XXXX   XXXX   XXXX   XXXX  and they will try to removed this off my credit report because it 's pa st 7 years old. no c hange on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Coinbase, Inc.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Coinbase account and transferred {$500.00} into it. At a later date, I opened an Coinbase XXXX account and also transferred from my bank {$500.00}. I've made a few small trades using Coinbase XXXX and this account balance should be approximately {$510.00}. 
I decided to close my Coinbase account and keep my Coinbase pro account open. After transferring {$500.00} from Coinbase to my bank, this account ( XXXX balance ) was closed and deleted on XXXX XX/XX/2021. 
Unknowing to me, this also removed access to my Coinbase XXXX account. I submitted my issue via email on XXXX XX/XX/2021 to Coinbase support. They responded via email on XXXX XX/XX/2021, XXXX # XXXX and told me to sign up to Coinbase using the same email address that I originally used. 
I did this ... and now have access to both Coinbase and Coinbase XXXX. The problem however, Coinbase XXXX now shows XXXX balance ( should be approximately {$510.00} ). 
I have since responded/replied to Coinbase support referencing my XXXX # XXXX and asking for help resolving my fund balance ( missing {$510.00} ). I received an automated response saying " Were working hard to quickly address this issue, and we'll reach out to you as soon as we have an update ''. 
As of today ( XXXX XX/XX/2021 )... This issue is still unresolved and have not received any status updates from Coinbase. I called their customer service number at XXXX ( XXXX ) XXXX. This is basically useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XX/XX/XXXX Dispute Department Your improper use of my report and non-conformance in supplying me with physical copies of the adverse information you reported on my credit file as affected me negatively. I have been paying higher rates for everything as a result. I have been requesting proof from you since XXXX as shown by the certified mail correspondence sent to you. 

You have violated my rights according to the FCRA sections listed below : In accordance with the Fair Credit Reporting Act, the list of accounts in the attached requests have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX, has violated my right. 
15 U.S.C. 1681 Section 602 A : states I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2 states that a consumer reporting agency can not furnish an account with my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency my make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person knows or has reasonable cause to believe it is inaccurate.

Remove the collections report as you have provided evidence under the law that I signed an agreement with them and update my all late statuses to Ok and paid on time. Your lack of initiative is compelling me to seek further action as you are in direct violation of my rights listed about.

A copy of this request is being mailed to the Consumer Financial Protection Bureau. 
Regards, XXXX XXXX XXXX XXXX SSN # 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 2022-05-15
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:
On XXXX XXXX Equifax sent me a letter notifying me that the report they removed off my credit would be put back on. Equifax put XXXX XXXX back on my credit report and damaged it and dinged my credit report XXXX points. Equifax is now reporting false information on my credit report. The loan was for 60 months and started on XX/XX/XXXX the whole loan amount was {$20000.00} with down payment. Equifax is reporting the original loan amount is {$11000.00} false statement, Equifax is reporting the amount I have paid is {$9200.00} false statement I have paid {$17000.00} and at the end of the loan on XXXX XXXX I will have paid {$19.00} XXXX plus my down payment I will have paid over {$20000.00}. Equifax is reporting my remaining balance is {$2400.00} false statement remaining balance is {$2600.00} Equifax is reporting my actual payment amount was {$650.00} false statement I have paid {$17000.00} and at the end of the loan on XXXX XXXX I will have paid {$19000.00} plus my down payment I will have paid over {$20000.00}. Equifax is reporting my remaining balance is {$2400.00} false statement remaining balance is {$2600.00} Equifax is reporting my actual payment amount was {$650.00} false statement my last payment was {$320.00}, Equifax is reporting my last payment date was XXXX XXXX false statement it was XXXX XXXX is reporting 120 days past due false statement. Equifax is purposely and maliciously ruining my credit. I fell out of escrow last year due to Equifax false reporting and not removing account and false information in a timely manor.Equifax sent me a letter of reinsertion and that has wrong and false information.Aparently Equifax does not care about reporting correctly and they dont care to remove a account permanently when information is not correct since I have been complaining about this account for over a year. Equifax removed the false information one time and then put the same false information back on my credit report I have XXXX disputes with Equifax and all are for false or inaccurate information on my report and and over half give or take or for the same account XXXX XXXX. I called Equifax and spoke with XXXX XXXX badge number XXXX and he was to open a dispute and investigate the issue no dispute was ever opened by the EQUIFAX Supervisor.XXXX XXXX has been sued by the attorney general in for bad loans and subprime loans and bad lending practices .A 60 month loan at {$320.00} a month since XXXX XXXX is more then the {$9200.00} being falsely reported since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
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: Account status incorrect

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/2020 I requested from Bank of America and was granted forbearance under the CARES act for my mortgage. It was explained to me that I had a 3 month forbearance, and that after that time I would have to make arrangements for repayment or to add it onto the back of the mortgage. I did not make payments during XXXX, XXXX, or XXXX. I sold the house and the mortgage was paid off on XX/XX/2020. I have discovered that Bank of America reported me 60 days late on my mortgage payment - the only late payment during the life of the mortgage! I attempted to call them and spoke to 3 or 4 individuals - I was " accidentally disconnected '' 3 times. I eventually was given a case # XXXX. My credit has been destroyed and my ability to get another mortgage is impaired due to this very recent bad report.

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 2021-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
An inquiry from XXXX XXXX is reporting on my XXXX, XXXX and XXXX report. I have disputed this request numerous times and reached out to XXXX XXXX, nothing has been resolved. I'm requesting this inquiry deleted and removed from my account. I am not aware of this inquiry. It does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: UNITED CREDIT CORP. OF SOUTHAVEN
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have not worked since I had XXXX because I am having a lot of complications with my health. They are still calling me from their cell phone I asked for it to be taken care of and they have ignored the complaint. Since they have ignored everything I will be suing them because I have rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an chase liquid account XXXX years ago and established good banking history up to date and I decided to open a chase premier plus checking on XXXX XXXX and I noticed XXXX days later I couldnt access my funds in my account due to my account being frozen for no apparent reason I called chase numerous times after the incident and was told that I could maintain the chase liquid and was transferred over to another dept and was told that the account couldnt be maintained so I called again and told me that my online access was restored the information with chase had been very inconsistent and untruthful but for no reason my premier plus account was closing for no reason so I talked to XXXX in the XXXX offices and promised that she will submit the information over the business back office to see if the decision can be overturned I explained to chase that I will want to maintain my relationship with my accounts and was told that the chase liquid will remain open and they closed my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Affiliated Collection Services, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company completely disregarded everything I have initially disputed with them via correspondence. According to YOUR DOCUMENTS attached you have written " THIS COMPANY IS A DEBT COLLECTOR '' on the bottom of your letters. You are trying to come off as a legally bind company with ME but you are not. 

I am aware that I was violated. As a natural person who is federally protected. I am notifying you that you have help damage my name and my reputation. 

Your corporation has offensive activities towards me as a consumer, such UNAUTHORIZED use that did not serve me any benefit. 

I have been violated as such, the truth and lending act 15 USC 1692C ILLEGAL TO COMMUNICATE, 1 5 USC 1692 ABUSIVE PRACTICES OF DEBT COLLECTIONS you violated MY privacy and only I deem what is private to me. 

15 USC 1692 G VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the TILA I validate debts because I am original consumer. This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOT have contracts with accurate collections services not have granted that permission. 

As per congress, you violated me, your corporation is criminally liable pursuant 15 USC 1611 because your corporation willingly knew that you were complying to a transaction that is fraud. 

It is a violation as per 18 U.S. Code 241 for two parties to come together and conspire against MY rights as consumer. You DID not follow my requests, you willingly chose what to follow and what not to follow. 

I specifically stated Pursuant to 15 USC 1692 c. ( C ) ( 2 ). I am invoking my specified remedy as a consumer, and original creditor I am demanding all the following : 1. Zero out the balance of the ALLEGED debt. 2. deletion from all your files. ZERO OUT MY BALANCE and DELETION of my illegally obtained documents from your files and accounts. I have NOT granted permission for my information to be given out as I do not have dealings with you or your company. You have violated my rights over and over again

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
COMMONWEALTH FINANCIAL has inserted 2 ACCCOUNTS representing different medical companies into my credit file. I have never had any business or obligation with Commonwealth nor the medical companies they represent..NOR have I ever signed any form related to release any medical history to any companies. This is entirely against HIPPA. I am a victim of identity theft and there is a fraud alert on my credit file. Commonwealth can not provide a contract bearing my signature that I have any obligation that I would owe or ever owed them any monies because I never signed one. Commonwealth has never contacted me regarding the attempt to collect a debt yet they just inserted onto my credit file without warning. there is no contract and never has been one. there is no legal proof bearing my signature that proves that I indeed owe monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: VA
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:
Highly personal information such as my social security number, birthdate, drivers license, was divulged without my consent, potentially compromising credit that I have been working very hard and responsibly to build, thus threatening any future plans I hope to make such as buying a house or paying for school.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: CAINE & WEINER COMPANY, INC.
State: SC
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:
Upon looking at my credit report I see that there is a debt from XXXX XXXX represented by Caine & Wiener in the amount of {$2800.00}. This account has been removed and deleted by several collection agencies due to fraud and the original creditor not informing them that is due to fraud. In XX/XX/XXXX I wrote to XXXX. XXXX about this debt and the fact that it did not belong to me and to remove it because a former collection agency had to do the same thing. Now 2 years later XXXX XXXX has sold this account to yet another collection agency Cain & Wiener in XXXX of XXXX. I can never seem to get my life back on track or catch a break from someone stealing my identity and using my information. I wake up daily with anxiety because I am always having to check something every day to make sure. Please have them remove this debt and to stop trying to collect on something that I know nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: SYNCHRONY FINANCIAL
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since last week ( Friday, XX/XX/2018 ), XXXX XXXX XXXX  had called me and my husband to collect a debt from a Walmart Credit Card. Yesterday ( Thursday, XX/XX/2018 ) they have contacted my husband via his phone number and threatened to sue 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 explanation
Consumer complaint received 2020-06-10
Company: JPMORGAN CHASE & CO.
State: NJ
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:
I am following a complaint against Chase Credit Card company. I am XXXX years old living in XXXX New Jersey and have been scammed and tricked into buying gift cards in order to keep myself safe and my identity. I was recently hacked on XX/XX/2020 when I logged into my computer and visited my bank site. After logging into the internet my computer was not into my control and a hacker told me I needed to pay in order to keep my personal files safe and that I would not be harmed in any way. The person on the phone acted as though they were XXXX and needed payment in order to assist me. I ended up paying in XXXX to have my life not taken from me and my personal assets save only to find out I was tricked and scammed. When I tried to file a dispute with the credit card company, they refused to help me and said it is my fault. I do not understand how I could have done this when I was under assumption that the person helping me fix my computer were legitimate. I have filed a police report in hopes of getting my case heard but became apparent that Chase bank thinks we weren't scammed and has told me I am forced into paying fraudulent charges since I had called the company were the cards were purchased after the incident. The gift cards companies did not stop the transaction and chase credit card company is holding me liable. I am hoping this complaint will make it clear I am a victim of ransomware and with a police report if I could have my case be heard at Chase bank at a higher level. I have tried to file a dispute with the credit card company but they will not accept a dispute and closed my account without sending me a new card. XXXX, New Jersey Police Case # - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. These are the inquiries that are reporting on my Credit Reports that need to be REMOVED : XXXX of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXX XXXXDate of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation