BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: EQUIFAX, 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:
FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXXotentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$49000.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5400.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$400.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2900.00} Status Creditor recently l XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$480.00} Status Open. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Open.. 


FCRA violations : accounts not mine XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$730.00} Status Account charged off. {$730.00} written off. {$730.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$620.00} Status Account charged off. {$620.00} written off. {$620.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$1300.00} written off. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1700.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Account charged off. {$2800.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Account charged off. {$1.00} XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3300.00} Status Account charged off. {$1700.00} written off. {$3300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1600.00} Status Account charged off. $

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Firstsource Business Process Services, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2022 at XXXX p.m., I received a phone call from XXXX XXXX at First Source Advantage , LLC in regards to my wife 's XXXX card. They offered me a 50 % settlement, and I agreed. When she asked if there was anything else she could do at the end of the call, I made the comment ; " Nope, great to have yet another scummy debt collection agency off of my back. '' Her response was ; " Well, I'm glad you paid your bill. '' This constitutes a violation of 12 CFR Part 1006 Subsection 14 " Use of harassing, oppressive, or abusive conduct. ''

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX, 2015 I sold my condo under a short sale with XXXX and XXXX XXXX XXXX. XXXX reported my sale incorrectly as a foreclosure. I 'm writing you hoping that you 're able to help me get this reported correctly. XXXX reported it as a short sale. XXXX and experian are reporting foreclosure and XXXX is reporting short sale XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: EQUIFAX, INC.
State: WA
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 filed a dispute on XX/XX/XXXX. I was not resolved so I called them on XX/XX/XXXX. They said disute was completed. I stated I .as not notified. Tthey sent me an email as of XX/XX/XXXX stating it was completed as of XX/XX/XXXX. I disputed this several times. They have not completed those disputes as of date. The other 2 reporting agencies removed the accounts from my report a year before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-20
Company: Capio Partners, LLC
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: Information belongs to someone else

Complaint:
XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : XXXX XXXX {$100.00}, Capio Partners & XXXX, XXXX XXXX {$3100.00} To Whom It May Concern : This letter is in response to your recent claim regarding Acct # *******, which you claim such as I owe an amount of {$100.00}, {$760.00}, {$3100.00},.
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX sent in a letter to Equifax, XXXX, and XXXX. Please see the attachment for my full complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XXXX XXXX XXXX XXXX Installment Loan # XXXX Date Opened XX/XX/2017 This account in showing 30days late for XXXX, however it has never been late

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 2017-08-20
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX, 2015 I sold my condo under a short sale with XXXX and America Servicing Company. ASC reported my sale incorrectly as a foreclosure. I 'm writing you hoping that you 're able to help me get this reported correctly. XXXX reported it as a short sale. XXXX and XXXX are reporting foreclosure and XXXX is reporting short sale XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Bread Financial Holdings, Inc.
State: IL
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 notice that my credit report was ran without my consent on XX/XX/2019. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed with no resolve. Comenity Bank XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: CT
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 started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/XXXX with follow ups disputes on XX/XX/XXXX, XX/XX/XXXX, and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was a victim of identity theft through Bank of America. Someone opened a credit card with BofA in my name and then opened a linked Checking and Savings account. They used BofA credit card to transfer money to checking account and then to XXXX XXXX XXXX. I did not open any of these accounts. I have tried to resolve the issue with BofA for almost XXXX months now. Employees keep giving me conflicting information. I am told to do one thing and then transferred to another person that tells me something different. It is like no one really knows what they are doing. BofA also declined to approve my fraud claim because they said the money was transferred to an account in my name. This is how the fraud happened. But, when I call to speak to one cohesive department they tell me I can only speak to credit card department that is separate from Checking department. Both departments give me the run around. I have spent hours on hold and being transferred from department to department. I believe I am a victim of a new type of fraud, but BofA won't tell me why or how they let someone open XXXX linked accounts. Was it digitally or did they do it in person? I want to see the credit applications that were submitted but they are also giving me the runaround. They have been very difficult to deal with and now they are expecting me to pay over XXXX as a result of being a victim. The person submitted an incorrect birthday from what one BofA employee told me and therefore BofA is to blame for allowing someone access to so much money in my name. I don't know who else I can speak to to help me resolve this issue. I believe BofA is purposefully trying to make it so difficult so that I give up and just pay the money that was stolen.

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 2019-07-30
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My brother passed away on XX/XX/2019. I found that he had a Coinbase account with XXXX ETH in it. Currently worth just under XXXX XXXX dollars. I looked up what to do with a deceased account and Coinbase said they would transfer the assets to another Coinbase account pending documentation. This initial contact with the company was on XX/XX/2019. 

I submitted the documentation and was given a set of instructions. I followed the instructions and they did not work. I told support I followed the instructions. They said follow the instructions. I sent pictures of what my screen looked like, wallet ID info, address, etc. Coinbase responded with ... follow the instructions. It seemed like the process was run by a chat bot as responses did not react to my messages. 

I tried to call Coinbase on XX/XX/XXXX, customer service said that only a specialist can help and I should get a response shortly. Nothing. Contacted on XX/XX/XXXX. No response. I contacted them on XX/XX/XXXX. Nothing. 

Coinbase is refusing any action and wrongfully holding onto the assets of a deceased individual, ignoring family requests and court documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX or XXXX I went to check at the small first aid clinic ( at XXXX ) XXXX XXXX XXXX because I fell dizzy, they ask me for my id and insurance I provided both and fill the form they check me for 5 minutes and did not find anything and did not even tell me what to drink or to do just that if that happen again go to the hospital, 3 months later i received a call about that debt and i response i have my insurance how can you ask me to pay that instead of charge the insurance, they ask me to provide again the information of the insurance and did., 4 or 5 months later again i received another call, and i explain the same, since that day they continue trying to collect that 5 minutes of attendance that should be paid for that insurance company that I decided to cancel too. 
they are selling this debt in 5 years like 5 or 6 times to different companies and damage my credit too. 
XXXX XXXX XXXX XXXX Original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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: Problem with personal statement of dispute

Complaint:
Hi On XX/XX/XXXX I refinance my car loan, I called the company and requested the 10 day payoff. Received the check and sent to the company to payoff the car loan XX/XX/XXXX. On or about, XX/XX/XXXX. I pulled up the account and noticed an amount still due. I was told at that time my payment was postmarked and received on XX/XX/XXXX, but not posted to my account until XX/XX/XXXX, and the payoff amount was now not only past the 10 day amount, but the amount given was incorrect. I advised them at this point that I was disputing the amount as I felt it was unfair, that I was given the wrong amount and also the payment was posted late. Which if it posted on the XXXX I am not sure why that was considered late. I advised the representative until the issue was resolved I did not want any late payment submitted to the credit bureau and followed up with a letter to their presidents office. In reviewing my account they have reported the balance of XXXX as a late payment to the credit bureau. I was contacted today by one of their representatives that said they had every right to report the amount as they deemed the amount as valid. I am not sure, but I believe when there is a disputed amount they are unable to report as late until the matter was resolved and I had a chance to make payment. I asked that they send me a copy of their policy and a letter stating that once I made payment they would clear any erroneous information from my file. The representative advised I would need to submit another letter to have the information removed and they would not guarantee the removal or provide me a copy of their policy. Is this legal???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 been disputing a bankruptcy showing on my report for years. Transunion and XXXX  refuse to investigate and provide verification on who they spoke with to obtain the information used to verify this bankruptcy as belonging to me. I have mailed Transunion and XXXX  documents relating to the bankruptcy, proving that the bankruptcy should not be shown on my credit profile. They refuse to remove it resulting in my credit profile suffering tremendously. Transunion and XXXX  also refuse to remove inquiries on my profile that were not authorized.

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 2022-02-03
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I ATTEMPTED TO WITHDRAW MONEY FROM MY CITIBANK CHECKING ACCOUNT ( XXXX, NY ) ON XX/XX/22 AND WAS NOT ABLE TO DO SO. I CALLED COSTUMER SERVICE AND WAS TOLD BY THE FRAUD DEPARTMENT ( XXXX ) THAT THEY DECREASED MY DAILY LIMIT FOR WITHDRAWALS TO {$200.00} A DAY BECAUSE MY DEBIT CARD HAD BEEN " COMPROMISED '' AND THEY WERE GOING TO BLOCK MY CARD AND ISSUE ME A NEW ONE. I WAS TOLD THAT THEY NOTICED THE " COMPROMISE '' ON XX/XX/22 ; THEREFORE, I WAS UPSET THAT IT WAS NOW XX/XX/22 AND THEY FAILED TO NOTIFY ME OF THE " COMPROMISE '' OR THAT THEY DECREASED MY WITHDRAWAL LIMIT. I STATED THAT I RECEIVE IMMEDIATE TEXTS AND EMAILS EVERY TIME A PURCHASE IS MADE FROM MY ACCOUNT ; THEREFORE, I WOULD KNOW FIRSTHAND IF ANY FRAUDULENT ACTIVITY/PURCHASES WERE OCCURRING. I TOLD THE REPRESENTATIVE THAT I WANT MY DAILY LIMIT TO BE PUT BACK TO WHAT IT PREVIOUSLY WAS AND THAT I DID NOT WANT A NEW DEBIT CARD BECAUSE ALL OF THE PURCHASES AND WITHDRAWALS FROM MY ACCOUNT WERE ACCURATE AND MADE BY MYSELF. AS OF TODAY, CITIBANK HAS NOT GIVEN ME OFFICIAL NOTICE THAT MY DEBIT CARD WAS COMPROMISED AND HOW IT WAS COMPROMISED OR THAT THEY DECREASED MY WITHDRAWAL LIMT WHICH I FEEL I SHOULD BE ENTITLED TO. THIS IS THE SECOND TIME CITIBANK HAS SAID MY DEBIT CARD WAS " COMPROMISED '' AND I HAD TO GET A NEW DEBIT CARD EVEN THOUGH NO FRAUDULENT PURCHASES OR WITHDRAWALS WERE MADE THEN.

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 2017-09-09
Company: EQUIFAX, INC.
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:
Equifax did not properly protect my personal information and it has been breached by a hacker/unknown sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Bread Financial Holdings, Inc.
State: OH
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 received a bill from XXXX in regard to a credit card that I did not open. This was a fraudulent activity. I did not open the card with them and have reported the fraud to XXXX, XXXX and XXXX. I attempted to call all of the XXXX contact numbers on the bill to dispute the card but when i was connected to the virtual machine it told me to call later. All of this happened on XX/XX/22.

Company response to consumer: Closed with non-monetary relief