BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a XXXX " Charge Off '' on my Experian credit report that 's allegedly due to expire in XXXX XXXX. This is wrong, my charge off was first reported to Experian in XXXX XXXX. Now that this is XXXX XXXX, as required by law, 7 years have now passed and It needs to come off my credit report. Please have this removed from my credit report ASAP. How can Experian credit agency be so far off with their data. I have called XXXX many, many times about this issue and they do n't even have this account number in their database. 

XXXX has my XXXX credit report listed correctly. I have included a copy of my XXXX credit report, dated yesterday, XXXX XXXX, XXXX, as you can see, there is no negative activity listed. 
Thank you, XXXX XXXX XXXX XXXX cell

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I got a phone call from XXXX XXXX XXXX XXXX Bank of America, and the associate was telling me over the phone that i was supposed to process a transaction through XXXX, and this money would be stay on my checking account, then i transferred the amount of {$3400.00} and disappeared from my account. I want my money back, me and my wife are hard workers, it is a lot of money, please help us out to get our money back, in name of Jesus.

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 2021-12-14
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I refer to your last statement, dated XX/XX/2021, in which you declined my complaint and duplicated Coinbase 's position. On XX/XX/2021 from XXXX to XXXX XXXX I was the victim of a hacker attack whose software somehow infiltrated my device ( laptop ) while using Coinbase services and when I logged into my Coinbase account, my cryptocurrency funds first tried to transfer in full amount ( equivalent to about XXXX USD ) in the form of BTC, Dogecoin and Cardano cryptocurrencies. After Coinbase withdrew this transfer ( apparently because of the transfer limit ), the funds started transferring XXXX USD each for half an hour until I had no funds left in my account. In addition, hackers transferred about XXXX USD of credit funds that Coinbase provides to customers, and Coinbase demanded I return them, after that Coinbase simply blocked my account. I find this situation egregious especially in terms of Coinbase 's response to my claims. Back on XX/XX/XXXX, Coinbase itself admitted that someone logged into my account from a third-party IP address on XX/XX/XXXX, thus essentially admitting its guilt. However, Coinbase obviously refuses to take responsibility for it. I demand the recovery of funds stolen from me. The two-factor verification was not requested during the transfers to verify them because the funds were transferred from my device or for some other reason. I did not provide a password or access to the hackers. I still have evidence on my device.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: JPMORGAN CHASE & CO.
State: MI
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: Overcharged for something you did purchase with the card

Complaint:
Chase Freedom XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, United States. Phone Number : XXXX XXXX XXXX. Everytime everyday try to use chase it is shut off after XXXX chargers. Declined everyday everycharge harassed with XXXX follow up calls to update everycharge as valued or not. Ftraud alert on every cjharge everyday shout down. Use credit to survive in hard times. I am XXXX on very low inciome. Shut new o nes in mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
To whom it may concern, I leased a XXXX  XXXX ram in XX/XX/2016 from a leasing company ( XXXX XXXX  ) and signed a contract for a XXXX mile allowance. I returned the car with a little over 43,000 miles and later received a bill from the bank associated with the lease ( ally financial ) for milage in excess of 13000 miles. I asked Ally for the contract they had on file and they sent me a contract with different milage and a forged signature on it. This was not the contract I signed. Instead it was altered and then someone else signed my name on it. Ive attached the paperwork. 
I went to the dealership at XXXX  XXXX XXXX in person to see if the issue could be resolved. Instead, I was treated with a high level of disrespect, they wouldn't show me their version of the paperwork and was essentially thrown out of the dealership. 
Attached, is proof of all the paperwork I've mentioned above. Please feel free to call or email me to speak further.

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 2021-12-14
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 report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I wanted to inform CFPB that I place a security freeze on my credit file on XXXX XXXX, 2017. It gave me a ten digit pin in case I wanted to remove the freeze. I called Equifax today to remove the freeze. Because every since the Equifax breach my credit file has been crazy. I thought that by me putting a freeze on my file, everything would be ok. But it has not. I asked for the freeze to be removed by Equifax freeze department. And the rude service man stated, I never had a freeze. I said, how could that have happened when I have the paper in front of me? He had no words. How can I trust to have something done and get confirmation. Just to learn it was never done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: Albert Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On Friday, XX/XX/XXXX I received a debit card in the mail of an account I did not open. I have already placed an alert on all the credit bureaus and with XXXX several weeks ago due to fraudulent activity. 

The debit card was with a company called " Albert ''. I reached out to Albert the same day but they do not seem to have a phone number. I emailed Albert support at support@albert.com describing the account as fraudulent and asked to close the card. I included images of the card, the envelope the card came in, and information regarding the card. I received an email stating they would close the account if I confirm the name on the card and the last four digits of the card. 

As you can see from the attached emails, I already supplied that information, even in the subject line of the email. Many companies delay taking actions regarding fraud until I file a complaint with the CFBP. 

I am hoping for help so the company actually makes a real response instead of delaying action. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have Accounts with Union Bank & Trust located at XXXX XXXX XXXX, XXXX, VA XXXX. On XX/XX/19 I called the same branch and asked for a manager to talk to as my problem requires some person with good banking knowledge to be resolved. The person who picked up the phone said his name is XXXX and he is a manager.

I asked him that I wanted to go over a {$12.00} penalty that they charged for a cancelled transaction. I provided him, bank account number, and account co-owners name. Number of accounts we have along with the current balance for each of these account.

However, Mr. XXXX was insisting me to provide me my full social security number. I do not know his background and I was very uncomfortable to provide him my full social security number. I offered him my last 4 digit of my social security number and any other verification information he needs. No, Mr XXXX told me that he can not help me without my full social security number or I have to go to their branch with my drivers license. 
Is it legal to ask consumers for the full Social Security number? In banking with large banks like XXXX, XXXX XXXX XXXX and my Mortgage bank, in no time anyone asked for a full Social Security. I wanted to notify you so that you can advise me what I need to do. I will have to stop doing business with Union Bank. We have decided to close our accounts with Union but wanted to share the improper practice by union Bank and Trust

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had updated. Due to Bureaus lack of response which I classify as frivolous, XXXX, XXXX, and TransUnion have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and update my records. Please update the following accounts, which CREDIT BUREAUS have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to FIX the accounts listed below : XXXX XXXX XXXXO XXXX XXXX Balance {$7700.00} ; XXXXXXXX XXXX XXXX Balance {$8200.00}

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 2021-12-14
Company: Persolve, LLC - Legal - Series 2
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I now have an attorney looking into a debt collection on my credit report. I was notified by my attorney and the Texas  Secretary of State that Persolve Legal Group does not have the legal right to collect a debt or charge a finance charge in the state of Texas. I noticed Persovle Legal Group has been reporting negatively on my credit report. I do not have a contract with you. I also, found out I have a lawsuit against me. Again Persolve Legal Group does not have a legal right to file a lawsuit in the state of Texas for debt collection. I do have documentation that Persolve Legal Group did not have a bond to legally collect a debt during the time you bought the debt, filed it on my credit reports, and filed a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
On XXXX XXXX, 2016, I accepted an offer online from Capital One to get a balance transfer for zero points and my regular rate of interest. I requested Capital One, account ending in XXXX, send {$6300.00} to our XXXX Cash Rewards Card ending in XXXX. I received an email stating that it was sent the next day, XXXX XXXX. Today, I called CapitalOne to see why the amount had not yet been credited to our XXXX credit card account and was told that Capital One does not accept electronic transfers of this nature, but only accepts a paper check, so the initial attempt by Capital One was not successful. At that time, a paper transaction was made. The banks both state that it sometimes takes up to 10-12 days to complete the transaction. During this time, the customer incurs 16.1 % on the balance transferred. In addition, the customer is paying interest to XXXX Bank for the amount on the card, or 17.1 %. So, together, the customer is paying 33.2 % on this amount of {$6300.00}, for maybe 12 days, amounting to {$69.00} which is borne by the lowly customer. I am sure I am not the only person that is in this situation, so I can see how this could be a very profitable situation for the banks. I realize that the customer should pay the originating loan interest up to the time the amount is transacted into the receiving bank. But, this situation is obviously one where banks are taking advantage of customers. Please investigate this practice to determine why this practice is allowed to exist in which the customer/consumer is obviously being " robbed '' by the banks and credit card companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: DE
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 the accordance with the fair credit reporting act XXXX XXXX ( XXXX XXXX ) XXXX has violated my rights. 

15 U.S.C 1581 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 a account without my written instructions.

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 2022-07-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been brought to my attention that Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this COMPLAINT to help establish a legal recourse. If EXPERIAN, XXXX, and XXXX choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following accounts as they are fraudulent & were opened without my consent or knowledge : XXXX XXXX XXXX XXXXXXXX Balance {$740.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$11000.00} ;

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 explanation
Consumer complaint received 2017-05-20
Company: ALLY FINANCIAL INC.
State: WA
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:
This car loan has been on my credit report ove r 7 to  10 years and should be deleted 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 2016-11-16
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have been investigating my loan since before my school closed I filed a police report for fraud and Navient still is charging me for this. I have provided information to both them and XXXX re this private loan. Non of them are helping and I still have to pay it since its effecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX I disputed XXXX that was on my credit file with Experian. XXXX is an account that is a result of identity theft. Experian wrote me and said the account was accurate and verified. Yet Im trying to figure out how was it verified and accurate when the account is a result of identity theft. XXXX and XXXX deleted this account but yet Experian continues to recklessly report inaccurate fraudulent information onto my credit file. Im not sure of how you did this when I know for a fact that they account is inaccurate and fraud. From my research on the FTC website, it stated that all reporting from creditors or collectors must be 100 % accurate and not 90 %. This XXXX account is 100 % fraudulent. I also have new information such as a police report, notarized affidavit and my driver license. All my things were stolen in XXXX and numerous accounts and apartments were obtained in my name without my consent and my signatures were fraudulently copied.

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 2022-07-22
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 belongs to someone else

Complaint:
I am disappointed at the Credit Bureaus for doing nothing to remove the previously disputed Items completely from my Credit Report. I was a victim of Identity Theft and these items were incurred due to identity theft since I never authorized nor signed any paper which binds me with these items. How many letters do I still have to send for the Credit Bureaus to take action and have these items removed from my Credit report? I have read that th Credit Bureaus are required to remove any item that resulted due to identity theft within 4 business days. The last letter I sent to the Credit Bureaus was XX/XX/2022, a month had passed by already and upon Checking my updated Credit Report, I never seen any changes at all! I am persuaded to take legal action against the Credit Bureaus if they fail to remove the disputed fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX, XXXX, LA XXXX GXXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I can not afford to repay my private student loans. My monthly payment is way to high and my interest rate keeps increasing. Navient will not work with me at all. I will die before this loan is ever paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2020 the company responded to my existing complaint submitted on this site and clearly stated The agent was able to set the customer up on a monthly payment plan to begin on XX/XX/2020. Unfortunately, the agent did not properly set up the payment plan nor remove the ACH block on the account. This caused the customers first two payments to return and not process successfully. I have screenshots to show that this company is still reporting my payments to my credit report as past due for all my current payments for the month of XXXX, XXXX, XXXX, XXXX and most likely XXXX. This error done by XXXX agent has occurred more than once and is harming my credit report with inaccurate information. My account is not in collection nor past due as I am current in my account as have been current.

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