BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: OH
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 went to purchase a car from the dealership and I discover that there were hard inquiries on my credit report. These are the inquiries that are errors in my report : US SM BUS ADMIN ODA INQUIRY DATES : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Around XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX / XXXX which involved me making deposits for a total amount of USD XXXX from my Coinbase account to fraudulent investment firms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX/dept of ED XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX C 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
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I'm really upset because they put the inaccurate account back on my credit report. They took it off before because it was wrong and inaccurate, but now it was included in my credit history again. This is clearly a violation. According to FCRA, if any info that got deleted from my report is put back in, the agency needs to let me know within 5 business days, either in writing or through any other way you've allowed them to. I never received any notice, and I never authorized this agency to report on my consumer profile. I'm super worried because this bad information can mess up my finances. Having an accurate credit report is a big deal because it affects my ability to get loans, have good interest rates, and make important money choices. I know my rights as a customer under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, they should take off any wrong info from my credit report right away. But putting this item back on my report isn't fair or accurate. It's not right.

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 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-06
Company: Block, Inc.
State: IL
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:
XX/XX/XXXX at XXXX am XXXX someone hacked my Cash App account and used my {$1400.00} in my account to buy bitcoin and withdraw it to themself. They kicked out my email and put their own. I have screenshots of everything. I went through the Cash App support and they sent me to their specialist for fraud and twice they denied me saying its my fault and I authorized the transactions. My rent got kicked back and now XXXX cant pay my rent for XXXX for atleast XXXX weeks. There was XXXX total transactions that I did not authorize and I feel I have overwhelming proof that it wasnt me. I did everything they asked to make my account secure but they still denied me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have alais names and primary names that are not correct and alot of unauthorized inquiries and one account marked late that I was not late on

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 2022-06-09
Company: Spring Oaks Capital, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Spring oak capital claims to XXXX XXXX that I owe a debt from XXXX XXXX  XXXX  opened on XX/XX/2019. I never opened a card with this bank in XXXX  and Im disputing this debt, the statements they attached to the XXXX XXXX response has an address I never lived in, I never lived in the XXXX XXXX  XXXX and live in the XXXXXXXX XXXX XXXX XXXX and live in an accessible building since XX/XX/2019 on a XXXX XXXX which would make it impossible for me to have opened any cards at that address at that time period. Please remove this fraudulent account off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TransUnion is in violation of 15 U.S.C. 1681 ( I ) of the FCRA. On XX/XX/2022 I disputed the following account with TransUnion : XXXX XXXX/DOCKET NUMBER XXXX. After receiving no response from TransUnion I filed a CFPB complaint ( case number : XXXX ). On XX/XX/2022 TransUnion responded with an erroneous and improper response, in fact they also added other disputes that were not included in my complaint. I also received a stall letter from TransUnion on XX/XX/2022 stating ; they were unable to determine the nature of my request or my request was ineligible. HOW CAN THAT BE BE WHEN THEY PROVIDED THE CFPB WITH AN ERRONEOUS RESPONSE? Attached is proof that TransUnion failed to do an investigation and violated 15 U.S.C. 1681 ( I ) of the FCRA. TRANSUNION CONTINUES TO PROVIDE FALSE INFORMATION TO THE CFPB AND AND CONTINUALLY FAILED TO DO A PROPER INVESTIGATION AS THEY ARE REQUIRED UNDER THE FCRA FOR THE FOLLOWING ACCOUNT ; XXXX XXXX XXXX/ DOCKET NUMBER : 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 non-monetary relief
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying for almost a year to view a copy of my Equifax score and report and I am unable to. I have contacted them by phone several times sent in what they asked for and still I can not view my report and neither can lenders. I never requested for any kind of freeze or any hold to be put on my credit report. and this is information that I need because I am trying to purchase a new home. I am begging for someone to help with this because my calls and doing what they ask me to do is not getting me anywhere. I recently called and was told I would receive a email with case number and a call back and never received anything, I need access to my credit report, that is all I want. If I am continually denied access I will have hire legal representation to assist with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, UT performed a procedure on me. We have XXXX XXXX XXXX and a secondary coverage with XXXX XXXX. I am XXXX XXXX XXXX and with this coverage I have NEVER had out of pocket expenses. I have received multiple dunning letters. I have had XXXX conversations about this with the XXXX 's billing service. They claim to not have the information for our secondary insurer. I have given them this information repeatedly. The last XXXX XXXX I received for this service stated the XXXX was over paid and was requested to repay XXXX {$140.00}. They continue to bill me {$69.00} ( I have no idea where this number came from ) and have now turned my account over to a collection agency threatening to ruin my credit. 

I think this is fraud. 
XXXX. Given our coverage I should never be " balance billed '' for anything. 
XXXX. If they are doing this same thing to thousands of other accounts we are suddenly talking about real money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Resurgent Capital Services L.P.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I received a call at my moms number, it was XXXX something in the morning CST. It was a person with the Company LVNV collecting a bill for internet with XXXX. Well I already have a company prior to this company on my report collecting this. They told me they was collecting for XXXX XXXX XXXX, which is the collection company that was first trying to collect a bill that was not owed due to the original creditor had credited back that bill for internet not working properly and we had cancelled the service for non service. So both companies LVNV & XXXX XXXX XXXX are on my credit reports trying to collect a bill not owed, also XXXX is a no contract company for services. If a contract was made it was without knowledge of this, unless they sneak it in as a signature of install by the tech paperwork on install and told that it is a signature they need to prove hook up, which is illegal to make it a contract off of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
We have multiple accounts with Wells Fargo. We issued a check from our business account and that check was stolen in the mail process, edited/changed, and cashed at a bank. Wells Fargo did not flag this check even though it was clearly fabricated and lines/memo/names were whited out. Check information is below and a copy is attached for review. 

Check Date : XX/XX/XXXX Check # : XXXX Check Amount : {$14000.00} Check Issued To : XXXX XXXX Check Cashed Date : XX/XX/XXXX Check Cashed To : XXXX XXXX There are XXXX pictures attached. One shows how we issued the check ( XXXX XXXX ) and XXXX shows how it was whited out and cashed. Lines are even missing from the check. 

Wells Fargo has always called us whenever a check looks suspicious. Even for checks that are a few under {$500.00}, they will call and double check if it was us if any handwriting or signatures look off. For some reason, this check ( which again is clearly altered ) was not flagged and it was over XXXX. 

We immediately called Wells Fargo ( on XX/XX/XXXX ) when we saw the cashed check was not cashed to the right company to which we issued it ( document also attached ). They filed a claim for us and told us that it could take up to XXXX business days to get it resolved. On the XXXX business day, we received an affidavit which we filled out and faxed back. They are now telling us that it could take up to 120 days to even get a response from the bank that cashed the check and it's not guaranteed that we even get our money back. 

This was absolutely a Wells Fargo error. Banks are supposed to protect us from fraud and alert us when anything looks suspicious. In fact, we went into our bank and confirmed with the manager that it is their responsibility to review checks before releasing funds and he told us that " sometimes things slip through the cracks ''. XXXX XXXX dollars is a lot of money and will truly hurt our business if it is not recovered. We aren't even being offered a temporary credit which was originally offered to us. 

This also comes after the fact that in XXXX of XXXX, Wells Fargo forced us to pay back XXXX of our XXXX XXXX that we were originally told would be forgiven. With NO explanation. Again, we are a small business. We don't make much of a net profit and this is devastating to us. Please help us.

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 2023-12-04
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
In XX/XX/XXXX, I was behind on the payments for about 4 months and we sent a statement letter from LoanDepot about us owing {$27000.00} at the time. I requested a loan workout plan, so by XX/XX/XXXX, I received a letter stating they had received my inquiry for a loan workout. I have tried to get a workout plan for over a year but to no success. I was having medical issues due to complications of XXXX, which I caught in XXXX. I was admitted to XXXX XXXX in XX/XX/XXXX after having severe complications, because I started to have XXXX XXXX XXXX which XXXX triggered. I have been under several doctors ' care over the past two years, but recently over the past few months, I have been advised by my doctor that I will need to have XXXX XXXX. This is why I can't pay the initial payment amount for the mortgage and need the loan modified. I have been calling, pleading, and writing hardship letters to LoanDepot asking for a loan modification. I even reached out to HUD to get approved for mortgage assistance. I was approved for the assistance but LoanDepot will not sign the necessary documents to receive the funds or work out a plan with me. I have asked them to place the missed payments on the back of the mortgage loan. I was denied for everything I had written to them and suggested. I wanted to get my payments lowered for a certain amount of time until I was fully recovered from XXXX, but there was no help from them. I called them in XX/XX/XXXX and asked what solution they agreed to and they stated I would be on a XXXX Trial Payment Plan, paying {$10000.00} a month. That is {$4000.00} more than what I was initially supposed to be paying. This situation is stressing me and there is no way I can afford to pay {$10000.00} a month and have XXXX XXXX. This situation is stressful and I can not afford to lose my house, especially when I am trying everything to save my home from foreclosure. All I asked was for them to work with me on this situation. I would like a resolution that would benefit both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2022-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
At the beginning of XXXX, I was scammed into believing I had two jobs as a XXXX XXXX, and XXXX  were put into my account. Due to a " good faith '' system the bank had since I had been a client with Bank of America since the XXXX, the credited amount was put into my account, and I was given the assumption that everything was good with the checks. It wasn't until the XXXX and XXXX of XXXX did I receive Item chargebacks because the checks were counterfeit, and there was a negative balance of XXXX. ( The item chargebacks were sent in the amount of over XXXX, XXXX, and one of over XXXX -- which they were supposed to hold the credit until the XXXX of XXXX because the item chargeback started to come through for the one of over XXXX. ) The bank then informed me that I was held liable. I had reached out to the bank after filing a police report, in which I was repeatedly told there wasn't anything they could do, and I was passed to different departments that had told me the same thing. I was told the same information, but no one wanted to help me until XX/XX/XXXX, when I talked to the deposit department and was given assistance in filing a complaint with Fraud and also XXXX. Later on, I received a message that my complaints in the XXXX department were closed because they couldn't do anything, however my other claim -- separate from the XXXX one was still open and a decision wasn't reached upon it, and anything going on with my claims and my account would be given to me via mail or email. So it came as a surprise when I woke up to see my accounts had been closed without my knowledge, despite the XXXX department informing me on the XXXX of XXXX that I should have received information regarding the reason for the closing of my accounts, and the bank was still holding my saving funds because none of the complaints, according to representative XXXX in XXXX, that all of my claims were still opened, however, the bank still expected me to pay the negative balance even though they closed the accounts, and despite the fact that they were supposed to withhold the amount of XXXX until the XXXX, they still credited me the amount and I still owed the entire balance. I was sent to multiple departments again, where I was told that one could help me with my situation, only to be informed by the online banking that my case was being dropped by so many departments. I was even informed by a banker that Bank of America usually approves checks before crediting the money, which I recorded with the banker 's permission. It feels that my case during this process has been mishandled, and that a violation of the fair credit billing act has been broken.

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 2022-08-23
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Got scammed for {$80.00} while my checking account was already in a fraud status and new debit card was already en route to me but not here yet. I was under the impression this account via my bank was being watched so as not to under go MORE fraud. I was wrong. Today {$80.00} was XXXX to a fraudulent " person ''. Happen to catch it and called my bank they said the transaction was in " process '' but couldn't stop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation