BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-07
Company: EQUIFAX, INC.
State: NV
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 creditors on my credit report that I do not recognize. I am disputing them for a full removal. I am not a credit repair company, and since I am sending you my personal documents, I can assure you I am who I say I am. Please remove the listed items off of my credit report as it is hindering me from buying a house. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Hard inquiries on my credit that I am just now noticing and my personal bank as well that I did not do. Funds taking out that I did not make. A lot of errors that i did not do, I am very upset and Im scared someone is using my identity. This is fraud and is not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-17
Company: EQUIFAX, INC.
State: TX
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:
I requested a credit investigation on XXXX XXXX. More than 45 days later, and I have yet to receive a response from Equifax. They are supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
See my former complaints XXXX and XXXX regarding the transfer of BTCs from my swiss bank to Coinbase.

Amount arrived at Coinbase but not credited to my account. 
After more than 6Months the company still didn't refund my money. 
Complaints get simply closed by Coinbase with a promise of resolution, but no solution has been offered so far. 
Also the statement that Coinbase has been working with my swiss bank for solving my case seems to be untrue, since my swiss bank has never been contacted by Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: EQUIFAX, INC.
State: IA
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:
There are several accounts that are on my credit report that don't belong to me, I have replaced my ID, disputed these transactions with the company and if its not resolved this time I will be filing a police report. the accounts that are not mine and need to be removed are listed below. XXXX XXXX XXXX : balance XXXX. XXXX XXXX : balance XXXX, XXXX XXXX XXXX : Balance XXXX XXXX XXXX balance XXXX. XXXX XXXXXXXX XXXX : balance XXXX and XXXX. XXXX XXXX XXXX XXXX  : balance XXXX. XXXX XXXXXXXX XXXX : balance XXXX. XXXX XXXX : balance XXXX. XXXX XXXX XXXX : balance XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-10
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2017 I discovered the collection account from XXXX XXXX XXXX XXXX ( account # XXXX ) had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. If a previously negative item is reinserted the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. Please delete this item immediately.

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 2023-03-30
Company: T.S. Holdings
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The manager XXXX was verbally abusive to me and bullied me on the call when I was trying to work out my account. He questioned me on things unrelated to this debt and was degrading. I just wanted to work out a resolution on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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: Billing dispute for services

Complaint:
This company used of deceptive practices to get me to sign up for a membership. 
I was not aware I was signing up for a service subscription, and I also did not know I was going to be charged and how much the charge was going to be. I am having a VERY hard time cancelling this service I did not agree to and did not know about, and also getting a refund. 
I called and the call got disconnected when I said I wanted a refund. I then called again. 

I am writing to warn the CFPB of this company 's deceptive practices towards consumers, who are led to sign up and be charged without a warning of the service and the price. And also to confirm if I received a refund and a cancellation of these services.

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 2017-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mortgage Loan # XXXX I filed a Bankruptcy partition in the Bankruptcy Court XXXX District of Alabama in XXXX. Included in the filing is a mortgage that was financed by Countrywide/Bank Of American. I later filed a Deed In Lieu of Foreclosure on the home in XXXX. My Bankruptcy docs state ( in error ) that I requested to retain and reaffirm the mortgage ; Although I did intended to retain the house it was not my intention to reaffirm the debt. 

Note : In XX/XX/XXXXthe mortgage was indeed discharged and NOT reaffirmed by BOA. 

I am currently in the process of applying for a new mortgage and the Lender has requested that I provide proof that the mortgage listed on the Bankruptcy was indeed discharged and not reaffirmed. I recently contacted the Bank of America regarding this matter and a representative in the Bankruptcy department ( at : XXXX ) confirmed that the mortgage was discharged/not reaffirmed in XXXX. 

I requested that they provide me with documented proof of the discharge in order that I could provide it to the new mortgage lender, the BOA representative refused my request and stated that they could not provide or furnish me this verification that they had on record. This makes absolutely no sense. I provided and they confirmed my identity and still refuse to honor my information request.

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 2017-09-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax was hacked, so my information is at risk. I think this is a gross misconduct, especially because they knew for a month without telling the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
The following credit Bureaus XXXX and XXXX stated that my accounts were properly investigated but how can that be possible when the information shows that the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. These are grounds for these accounts to be removed as they are violating my rights under, the following LAWS.

15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 A SECTION 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

Also the credit bureaus and the creditor have taken more than 30 days to complete there investigation to which no documentation was provided as I requested, the credit bureaus and the creditor have both verified these accounts without providing any proof or documentation. 

Both credit bureaus have instructed me to contact the creditor for proof of verification documents as to why and how these accounts have been verified. The creditor has refused to furnish me any documents proving verification of accounts as well as the credit bureaus. 
there is no proof being provided these accounts must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Citibank made a big announcement about how they were not going to charge overdraft fees and then charged me for XXXX. {$130.00}. Right now I am on a small pension and {$130.00} is XXXX of my income. or XXXX. 

I asked Citibank to refund the fees and they refused saying this was going to take effect sometime in the future but not right now. This sounds a whole lot like bait and switch to me. Also why does Citibank hire people XXXX to deal with American customers. When I am struggling to understand what they are saying I am not getting helped. Not a XXXX, not even an American but not sure why their customer service is in the XXXX 's. I really suspect that I just get mocked when I deal with their customer service.

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 2022-06-12
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX, has violated my rights in the following ways.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  {$200.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX  {$100.00} XXXX XXXX XXXX {$110.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$110.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Cap One appeared on my credit report on XX/XX/XXXX and on XX/XX/XXXX. I have never applied for an Capitol One card. I been an authorized user on my mother card the last past 3 years. 
XXXX XXXX appeared on my credit twice as an inquiry on XX/XX/XXXX. I reached out to them and I was told they could n't give me any information on the account because I could n't verify any information. 
XXXX appeared on my credit report as an inquiry on XX/XX/XXXX. I did not authorize this inquiry. 
XXXX XXXX XXXX appeared on my credit report as an inquiry twice on XX/XX/XXXX. I called several times regarding this matter I could not get in touch with anyone. 
XXXX appeared on my credit on XX/XX/XXXX and XX/XX/XXXX. I 've been an authorized user on XXXX XXXX XXXX account since XXXX XXXX. 
XXXX appeared on my credit as an inquiry on XX/XX/XXXX. I never had an account with this company. 
XXXX XXXX appeared on my credit report on XX/XX/XXXX. I do n't know where this company is located but I did not authorize this inquiry. 
XXXX appeared on my credit reportXX/XX/XXXX. I did not authorize this inquiry. I tried calling but I can never get through to who I suppose to talk to about this matter. 

If you need any documentation you can email me at XXXXXXXXXXXX. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 called Iowa student loan office on XX/XX/XXXX and talked to XXXX. He said they reported the last balance back in XX/XX/XXXX and the account is now closed. The credit report states i have a balance of {$1000.00} and XXXX said they never reported that amount to Trans Union. The account should be closed by the Department of Education.

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 2018-11-14
Company: United Student Aid (USA) Funds
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Date : XX/XX/0001 Amount : {$4500.00} Account Name : USA FUNDS Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: EQUIFAX, INC.
State: CO
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:
I have submitted several police reports stating identity fraud. I have given Equifax a copy of my Colorado Drivers License. A copy of my Social Security Card and a copy of the police report for the identity theft. The two XXXX accounts were filed under Identity Fraud along with the police report. XXXX was listed as 6 times paying late when in fact this was incorrect. the two other Credit bureaus were listed as no missing or late payments. Only Equifax is showing 6 times. This needs to be fixed. There is a XXXX XXXX account which is not mine. My address has me living in Georgia. I sumitted proof that this Identity Fraud. I have never lived in Georgia. Equifax is not changing these errors. I am asking that they delete the errors. Equifax is the worst of the 3 credit reporting agencies, especially when it comes to fixing and deleting their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
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: Information is missing that should be on the report

Complaint:
Loan was included in my XXXX XXXX that was discharged by the court as of XXXX. 
I have returned their car back, sent messages via their site ( XXXX XXXX ) called a couple of times, attached a copy of the discharge to their site and via email. The attorney that filed the Bankruptcy has even emailed them letting them know that they should stop defying court order, yet, they still keep reporting it on my credit report as missed payments and the account isn't still closed. While every month i get emails and mail in my mail box of statements from them to make payments. 

I would think that XXXX XXXX would know a bankruptcy discharge operates as an injunction against the commencement or continuation of any act to collect or recover a debt as a personal liabilty of the debtor is properly a basis for civil contempt proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Smith, Rouchon & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I do not have any knowledge of the debt and I am experiencing difficulties with fraudulent charges and accounts with several companies and I have attempted to work with most of the companies but the representatives that I have been in contact with by voice calls and customer service chats are not being honest and they give me the runaround. Due to this fact and the fact that I have absolutely no idea of why this is being charged to me, I have just decided to report it instead of going through another time consuming, futile attempt to correct the information. This has been consistently happening throughout the past and even more so during epidemic and after the ransomware attacks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: U.S. BANCORP
State: FL
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:
I reviewed my credit report and came across 7 unauthorized inquires dated from XX/XX/2021. I would like these inquires removed at once, due to the negative impact it has on my credit.

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 2019-07-29
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
the equifax computer web site is consisitently going out of service and i am getting a home and it is a reeal problem.

Company response to consumer: Closed with explanation