BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-22
Company: BARCLAYS BANK DELAWARE
State: FL
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:
I closed my JetBlue credit card with Barclays Bank Delaware XXXX XXXX ( account ending XXXX ). I received an email from Barclays on XX/XX/XXXX, for my payment ( account ending XXXX ). I called Barclays and told them it wasn't my charge and that the card I had with them previously ( XXXX ) had been closed the year prior. I wasn't sure where account XXXX came from or why it was tied to me. 

They filed a fraud charge and said I'd be notified. 

I received another email on XX/XX/XXXX, saying I can explore payment options. I called and spoke XXXX ( ID no. XXXX ) with the fraud department directly and he stated there was proof from the store the charge that was made was mine. I asked him to mail me, email, or text me the proof. 

He stated that once I receive the proof I can dispute the charge with them directly by writing a letter. I told him the entire situation made no sense because he was giving me XXXX account number over the phone that didn't match the ending account number in the emails requesting payment - AND, the account I had with them previously had been closed for close to a year. He said whomever I had spoken with to close my account never closed it and it remained open. 

I've now called the fraud department twice asking for the proof they say they have against me and I have yet to receive it. I'm unable to file a dispute with them because they won't send me the proof ; however, they are reporting late payments on my credit report, which was stellar before this whole situation. Now my credit score has gone down significantly and there's little I can do about it. 

I can't find a resolution with the credit card company and they're holding me hostage because I refuse to pay for a charge that's not mine, on a card that I had closed the year prior and they're ruining my credit score.

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 2022-06-28
Company: Professional Collection Service Inc (GA)
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XXXX, as well as a follow-up letter, dated XXXX. As of this moment, Equifax or XXXX XXXX have not done their duty mandated under the law. Their inaction in this matter is inexcusable, and disregard for the law is contemptible. Rest assured, I will hold them accountable. As you are well aware, federal law requires you to respond within 30 days, yet they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission I can show a judge that these accounts are inaccurate and that they have violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and my letters have went unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit 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 explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello On XX/XX/2021 I made a final payment of {$6000.00} to XXXX XXXX finance to settle my debt. In our agreement this would be reported to all of the credit bureaus so that the information could be properly updated and the negative status of charged off, closed as bad debt, and any other incorrect negative status. Could be removed. 

Since that time I have applied for credit cards, auto loans, and even a mortgage with the results being that I am not accepted due to a negative status account on my credit report. One company even directly told me that it is the status of the XXXX account that is hurting my ability to be approved. I have listed the status that is being shown from each bureau which has negatively impacted my life. 

I have a documentation letter stating that this debt has been paid per our agreement and it will be reported properly. 

Parties involved. 
XXXX XXXX XXXX Equifax - XXXX XXXX - Account paid in Full was a Charge-off XXXX - Paid in settlement. {$20000.00} written off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: Exodus Movement, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Around XX/XX/2021 and XX/XX/2021 my account was hacked, and the following crypto currency was stolen from my wallet : XXXX USD Around XX/XX/2021 My Exodus wallet that held my funds was running slow and glitching out, so I had to put my PIN number in again. Had a hard time doing anything with my wallet. I talked to Exodus, and you told me to turn my tablet off and on again and it would help connect to the XXXX. So, I tried that. It seemed to work a little better, but I was still having problems with it. Thats when I decided to buy a new tablet with a new email that had nothing on it. 
Moved that wallet over to that new tablet. At first, I wanted to create a new wallet, but the old wallet didnt allow me to send my funds over. Once I put the same wallet onto the new tablet and new pin, it seemed to be working fine, then between XXXX XX/XX/2021 I did not use the app at all, nor did I look for it whatsoever ( please see screenshots attached below ) and when I opened it a few days later all my funds disappeared. 

I contacted Exodus more than once stating that my account was hacked and they are not taking responibility for this, and not helping in any way, they neglected me and even sent me a letter from their lawyers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
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: Personal information incorrect

Complaint:
I have asked XXXX Equifax, and XXXX  repeatedly to remove the addresses I have never seen before on my credit report, they do not belong to me, I have been living at XXXX XXXX XXXX, XXXX, TN XXXX for the past 10 years, please contact them to remove all addresses that are not XXXX XXXX XXXX also my name is XXXX XXXX, not XXXX XXXX, I have repeatedly sent my license, my utility bill, and ss card to have them update and they still will not comply I want my personal information updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested a copy of my amortization schedule for my home mortgage.The reason for this request is that I have been paying an extra amount that is applied to my mortgage principal on a monthly basis for the past XXXX years. I was told by an agent at sls, Employee # XXXX.That SLS can not provide me an amortization schedule, that has been updated But they can not and will not send me a copy of the original amortization schedule

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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX, and I am sending this request again to address the inaccuracies on my CreditReports. I received a letter from CFPB on XX/XX/XXXX, that TransUnion Credit Bureaus closed mycomplaint to protect my PRIVACY. I called TransUnion after I purchased a credit report from XXXX XXXX XXXX, XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personalprofile, I noticed that there were XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX, IL XXXX ; XXXX XXXX Balance : {$17000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$94.00} ; XXXX XXXX  ( OriginalCreditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$58.00} ; XXXX XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit report which are UNKNOWN to me. This is disappointing because I have beenpaying XXXX XXXX to get a report every month and I have been disputing fraud items on my credit report all thistime. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have themBLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, 15USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using athird party as their verification provider and have continued reporting the unconfirmed & unverified information.

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 2022-09-21
Company: EQUIFAX, INC.
State: MO
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$23000.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$700.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 



.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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 Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2

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 2022-11-30
Company: Neighborhood Capital Funding, Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Why am I receiving a notice requesting payment on XX/XX/2022 to collect an annual premium payment for three months of insurance from XXXX XXXX to XX/XX/2022?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over XXXX months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Some one used my info to apply for a credit card. I received a bill regarding a opened account and activation fees and interest charged. I never received that card to my address. I contacted the number on the bill from Milestone. Genesis FS card services. They asked me to fill out a identity theft repot and fax it over to them so that they can fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: EQUIFAX, INC.
State: FL
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:
Wife and I had an auto loan that was paid in full on XX/XX/2019, lender XXXX XXXX XXXX. I have the title to the car signed off by XXXX XX/XX/2019. Equifax continues to show an outstanding balance of XXXX.This significantly lowers our credit score.We have filed disputes with Equifax four times and each time denied. The error remains on our report. I spoke to a supervisor today on the phone for over an hour and they can't fix it until their latest dispute process finishes, which might be several more weeks. ( Confirmation # XXXX ) We have spoken with our former car lender, XXXX XXXX XXXX and they again state the loan is paid in full since 2019. The other two credit bureaus have the correct information, it is only Equifax that has the error. Since we are on the east coast Equifax is most often the credit bureau used. Appreciate any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$23000.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$700.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 



.

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 2022-08-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX SUPPLIED FRAUDULENT INFORMATION TO THE CFPB regarding complaint # XXXX. XXXX XXXX stated the information was removed per the letter to the CFPB, my insurance rates yet increased again to {$430.00} dollars a month starting in XXXX. I was notified via another Insurance Company as their rates were vastly different with a rate of $ XXXX month. 

XXXX has violated the following : 1. 15 USC 1681 ( a ) ( 4 ) " Infringed Upon a Consumer 's right to privacy '' and 2. 15 USC 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I had recently received notification from a customer service representative from USAA as my insurance rate has increased ; when I inquired about the increase in my insurance premiums, the rep advised that it was due to a report obtained from XXXX XXXX and a ticket that I was reported in XX/XX/2021 I am still waiting for the case to reset regarding the alleged ticket issued due to the request for reasonable accommodations based on my XXXX. ( See attachments from the courts ). Therefore, the Information obtained is inaccurate and fraudulent at BEST. 

Accordingly, I REQUEST THE FRAUDULENT INFORMATION THAT IS BEING REPORTED TO BE REMOVED EFFECTIVE IMMEDIATELY BEFORE A LAWSUIT IS ENSUED AGAINST XXXX/USAA. 

Based on my XXXX and the XXXX  terms provided I will also contact the U.S. Department of Justice civil rights against XXXX. I am REQUESTING USAA DELETE THE INFORMATION FROM XXXX due to their violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., as amended. 

A complaint with the FTC and CFPB along with Securities and Exchange Commission ( SEC ), Commodities and Future Trade Commission ( CFTC ) and the IRS will be filed to include the Department of Justice for FINANCIAL CRIMES AND INSURANCE FRAUD. I am utterly disgusted of the fraudulent, deceptive business trade acts of the insurance companies and banks and XXXX for provided the deceptive information to a federal agency to avoid penalties. However, they continue to has no regard for stealing from consumers by any means NECESSARY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The following information listed on my XXXX  and Equifax credit report is inaccurate, incorrect and not my information : Employer : XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, I never resided at the following addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MN XXXX, the following credit inquiries are fraudulent, unauthorized and not my credit inquiries : XXXX  XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX  XXXX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX Account # XXXX has violated my rights. 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 a account without my written instructions

Company response to consumer: Closed with explanation