BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2017-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I gave countrywide XXXX. To purchase a home, I was just got out of XXXX moving from XXXX to XXXX I got a job with the state. When everything done I got a mortgage that I could n't afford I Contacted countrywide on XX/XX/XXXX occasion to no avail for 2 years I struggled paying the mortgage borrowing fro family members and friend until I could n't get money from no one. I got into foreclosure Bank of America came into the picture offers me little to nothing. A friend referred me to XXXX XXXX XXXX paying them more than 400.00 a month beside other fees I paid in order to help me to keep my house this was another excruciating pain, I had no clue who my lawyers were, never had any info of what 's was going on beside me begging them for information to no avail. Others that I paid for modification, they ran with my money. I did a bankruptcy including my home the bank removed itself from it. I requested a modification with Bank of America they denied me stating I do n't make enough money, the same money I have when I purchase the home. I paid {$300.00} to have a mediation Bank of America said I was not qualified the only thing they could do for me they will sell me the home for XXXX I have to give them {$30000.00} I do n't have they foreclosed my home. I have no money no money to rent I 'm homeless because I trusted people. My last day in the home is XX/XX/XXXX I do n't yet where I am going to live probably in my car. My boss gave me this site to write this complaint.

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 2017-06-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was with wellsfargo for years.I was going to the ATM to get money that I thought I had. They always gave me the money and kept charging the overdraft fees. I have a XXXX XXXX and I was n't always keeping track of my account. I feel they took advantage of this.

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 2022-03-10
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
State: AZ
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:
The list of incorrect information was unknown and erroneous. The information were pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to Equifax and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following information 's be corrected and removed accordingly. 
EMPLOYER : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I am writing about the Coinbase fraud that was committed on my account. The fraud was committed on XX/XX/21 where my digital coins were sold to USD then transferred out to another XXXX account. 
The unauthorized XXXX transaction happened on XX/XX/21 Friday morning at XXXX PT in the amount of {$3200.00}. The money was sent to a XXXX email account at " XXXX ''. 

I have filed police reports, reported this action to the identity theft org, and now am planning to consult legal help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
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: Account information incorrect

Complaint:
I have paid the account in full before XX/XX/ 2019. The credit reports shows I owe them. This is NOT the first time. It has happened every time with this credit card company.

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 2022-09-07
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: AZ
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 2. there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 3. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX  7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX XXXX  XXXX, CA XXXX 9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In   XX/XX/XXXX - XX/XX/XXXX , I had tro uble paying my studen Loans and was received calls at work several times a week from Chase Student Loans. I repeatedly told them I could not receive these calls at work. I was calling weekly to make payments to catch up. At one point, a collection person called me and saying that should would no longer accept partical payments and began threatening to take me to court and have my wages garnished and they could seize any property I owned. I called another collection representative I had been dealing with in tears over what she had said and he saw in the notes on my account she had made records not to take partial payments from me. He removed the notes and went to review the phone records of her call and found them to be " missing ''.   XXXX  I continued to make weekly partial payments and my credit still refelcts th e 60,90,120  days late because Chase Student Loans refused offer any other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I had  XXXX    XXXX   XXXX   removed from my experian  report on XXXX /17 They reinserted  the unverified debt on  XXXX / XXXX /   17  without notification

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 2022-09-07
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-22
Company: Experian Information Solutions Inc.
State: TN
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 recently learned how my identity was stolen. In XX/XX/XXXX I filed a medical malpractice law sue. I went through my court documents and found a copy of my credit report the attorney pulled. My birthday have been changed to XX/XX/XXXX. ( XX/XX/XXXX ) is my date of birth. My former employers have been changed. XX/XX/XXXX I worked for XXXX XXXX. XX/XX/XXXXI worked for XXXX XXXX XXXX XXXX. XX/XX/XXXX- XXXX XXXX-XXXX XXXX XXXX XXXX. I purchased my home at XXXX XXXX XXXX on XXXX/XXXX/XXXX. In XX/XX/XXXX I lived at XXXX XXXX XXXX XXXX. The XXXX XXXX. XXXX TN XXXX. XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX-XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX-XXXX. XXXX XXXX XXXX allowed someone to make copies of my math papers with my signature and my XXXX XXXX child power of attorney from XX/XX/XXXX when began receiving social security benefits. The bank allowed a Breach of Contract to take place. The bank allowed money from the department of labor to pay a series of mtgs with XXXX XXXX XXXX. The FBI told me it was an inside job. The Attorney General told me about the Power of Attorney stolen from me home with my signature. There is property in Texas, XXXX XXXX lives there. It was sold to a company called XXXX XXXX. The XXXX Family is using our deceased father social security number. Secret Service also notified of fraud, embezzlement, abuse of His Housing.

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 2017-06-22
Company: EQUIFAX, INC.
State: TN
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 recently learned how my identity was stolen. In XX/XX/XXXX I filed a medical malpractice law sue. I went through my court documents and found a copy of my credit report the attorney pulled. My birthday have been changed to XX/XX/XXXX. ( XX/XX/XXXX ) is my date of birth. My former employers have been changed. XX/XX/XXXX I worked for XXXX XXXX. XX/XX/XXXXI worked for XXXX XXXX XXXX XXXX
XX/XX/XXXX- XXXX XXXX-XXXX XXXX XXXX XXXX XXXX I purchased my home at XXXX XXXX XXXX on XX/XX/XXXX. In XX/XX/XXXX I lived at 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 allowed someone to make copies of my math papers with my signature and my XXXX XXXX child power of attorney from XX/XX/XXXXwhen began receiving social security benefits. The bank allowed a Breach of Contract to take place. The bank allowed money from the department of labor to pay a series of mtgs with XXXX XXXX XXXX. The FBI told me it was an inside job. The Attorney General told me about the Power of Attorney stolen from me home with my signature. There is property in XXXX XXXX XXXX lives there. It was sold to a company called XXXX XXXX. The XXXX Family is using our XXXX father social security number. Secret Service also notified of fraud, embezzlement, abuse of His Housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 recently learned how my identity was stolen. In XXXX I filed a medical malpractice law sue. I went through my court documents and found a copy of my credit report the attorney pulled. My birthday have been changed to XXXX/XXXX/XXXX. ( XXXX/XXXX/XXXX ) is my date of birth. My former employers have been changed. XXXX I worked for XXXX XXXX. XXXX I worked for XXXX XXXX XXXX XXXX.
XX/XX/XXXX- XXXX XXXX-XXXX  XXXX XXXX and XXXX. I purchased my home at XXXX XXXX XXXX on XXXX/XXXX/XXXX. In XXXX I lived at 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 allowed someone to make copies of my math papers with my signature and my XXXX XXXX child power of attorney from XXXX when began receiving social security benefits. The bank allowed a Breach of Contract to take place. The bank allowed money from the department of labor to pay a series of mtgs with XXXX XXXX XXXX. The FBI told me it was an inside job. The Attorney General told me about the Power of Attorney stolen from me home with my signature. There is property in XXXX XXXX XXXX lives there. It was sold to a company called XXXX XXXX. The XXXX Family is using our XXXX father social security number. Secret Service also notified of fraud, embezzlement, abuse of His Housing.

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 2022-09-07
Company: Experian Information Solutions Inc.
State: MN
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:
Experian has deleted and removed the following fraudulent account : XXXX XXXX : XXXX, balance : {$2000.00}, 3 times from my Experian credit report previously, but Experian keeps re-inserted and putting the fraudulent XXXX XXXX account back on my credit report. The XXXX XXXX account is not my account. Its a fraudulent account.I have never applied for a XXXX XXXX Bank credit card account. Someone stole my identity and used my personal information and applied for 4 XXXX XXXX Bank credit cards, including the account above. I have been a victim of identity for over 25 years.

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 2022-03-10
Company: United Group Inc.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hello, On XXXX XXXXXXXX 2021, my email and and CITI BANK credit card info was compromised/stolen, at which point these individuals created three fraudulent XXXX listings. They then used my email info to setup an XXXX account and made three fraudulent purchases with my Citi Bank credit card info. These individuals went further to create three fraudulent UPS tracking # 's and submitted them as part of their shipping invoices to XXXX. 

On XX/XX/XXXX, I notified Citi Bank of the fraud, and disputed the three fraud transactions : {$37.00}, {$230.00}, {$330.00}. I also contacted XXXX fraud management on XX/XX/2021 and XX/XX/2021 via phone. -- XXXX verbally acknowledged the fraudulent activity came from a blacklisted IP address and the listings were bogus. I stressed to them the importance of stopping payment and cancelling these fraudulent activities. XXXX sent me emails to provide as evidence to Citi Bank. 

I presented Citi Bank evidence of XXXX recognizing the fraudulent activity ( email correspondence ), evidence that I was never shipped any items ( doorbell video ), along with the evidence that the fraudulent XXXX transactions were for items that were obviously labeled as fraud -- for example I was charged {$240.00} for " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' Of three fraudulent disputed charges, Citi Bank has refused to reverse 2 of them : {$37.00}, {$230.00}, -- and yet inexplicably reversed and credited me the third charge, of {$330.00}. No reasons as to their investigation findings, or why they would only credit one of the three disputed charges. All three disputed charges occurred at the same time, and with the same vendor, and with the same circumstances. 

I have prompted Citi Bank to revisit my case and review my disputed charges. I've provided copies of my XXXX correspondence verifying the fraud took place and yet Citi Bank will not acknowledge the evidence.

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