BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: Hunt & Henriques
State: CA
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:
Hunt & Henriques, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. 
XXXXXXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX There are three companies that are supposed to be holding the account, this is a confusing tactic as A consumer can never get to the bottom of the account and get the correct information I have been trying for several years to get this removed. I dont know if someone opened this in my name or was it another card from when my identity was stolen. This is not my account I have never used XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: NC
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 DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. BLOCK AND REMOVE IT.

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 2023-12-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The BANK OF AMERICA account that appears on my credit file has been charged off since XXXX. I recently paid/settled this account in XXXX of XXXX where at that time Bank of America then updated my credit reports to show that the account was CHARGED OFF in XX/XX/XXXX. This false and inaccurate information is damaging my credit profile and affecting my ability to purchase a home. I have spoken to Bank of America about the reporting issues with this account and they have claimed that it would be corrected in 90 days and to date that time period has passed and each month this account reports falsely to my credit file. I have attached my XXXX credit report where you will see XX/XX/XXXX now repprts as CHARGED OFF.

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 2023-12-20
Company: U.S. BANCORP
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX received phone call, confirmed contact info and relieved a letter stating they were a collection firm on behalf of us bank for a credit card opened in XXXX. This is a fraudulent charge, in no way is the account mine. I do not use us bank. They called me multiple times with threatening voice-mail, appealed for me to settle outside of court, said to expect to be served, and also called my mother with a threatening voice-mail. They sent an email of a " demand notice '' for me to sign to confirm. I did not do that or take further action with fjs. 

I spoke to us bank, they have no history of me having an account with them. The company that called me claims they are XXXX global - website : https : //fjsglobalcollect.com/ Phone 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 2023-11-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-01-03
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX apartments In accordance with the fair credit reporting act this account is violating my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1691 15 U.S.C 1681 SECTION 602A 15 U.S.C 1681 604 A SECTION 2 15 U.S.C 1681 C ( A ) ( 5 ) 15 U.S.C 1681 S-2 ( A ) ( 1 )

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 2023-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
They locked me out my account closed it I do know an unauthorized account was opened. I went to identify myself got stranded they took forever releasing my fund and other companies said my bills were reversed which I have no knowledge of.

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 2023-09-25
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Hi, we received money from our customers on XX/XX/XXXX for {$9200.00} including paypal fees. But unfortunately Paypal put that money on hold. I tried to reach them to solve the problem, but they keep saying that i have to wait 180 days to release my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chase is requiring agreement to the Online and Mobile E-Sign Disclosure and Consent Agreement ( 10 pages ) and XXXX XXXX XXXX ( 125 pages ) before accessing account information online. It is unreasonable to read and agree to 135 pages of legal agreements, and the access token will log the user out of the website before even the shorter of the XXXXwo documents can be read. Bill payment can not be done via telephone and is only available via branch visit. One can logically assume that Chase does not want customers to read through such a tome and just blindly agree to the terms to access their accounts online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I deposited {$35000.00} onto Coinbase on XX/XX/XXXX, which I withdrew {$25000.00} on XX/XX/XXXX. On XX/XX/XXXX, I deposited {$7000.00} bringing my total deposit to {$17000.00}. On XX/XX/XXXX, they locked my funds for 30 days upon deeming my activity suspicious. On XXXX XXXX XXXX days after they locked my funds, I got an email saying my balance was available. When trying to sell my USD Coin and trying to transfer the funds to my bank account, an error message prompt appeared saying my account was still restricted. That same day, I opened a support case where they updated me over several days saying that they were reviewing my account. Today, on XX/XX/XXXX, they sent me another email saying they were closing my case without any information detailing why. I was still unable to withdraw my funds to my bank account, so I called them again. They said my account was blocked until XX/XX/XXXX now, and said they couldn't give me any details as to why. I realized they're probably just putting me through what seems like an infinite loop of dealing with their customer service to no success to steal my funds while using their excuse of not being able to state why they're doing what they're doing. I'm frustrated, and tired of playing nice, and I will speak with my lawyer about pursuing this if this issue is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
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 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 XXXX 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 XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: FL
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:
I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT LENDING CLUB Account Number : 10704 Please remove it from my credit report.

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX, Account # XXXX. Account name : XXXX XXXX # XXXX. Account name : XXXX, Account # XXXX, Account name : XXXX # XXXX, Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : DEPTEDXXXX Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : DEPTEDXXXX # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX. Account # XXXX. Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX. Account XXXX : XXXX XXXX XXXX, Account Number : XXXX. Account name : XXXX, Account Number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been with Bank of America for 5 years, and I am a XXXX XXXX XXXX. I am quite disappointed in the service I am getting from Merrill Edge, and calling them involves waiting on the phone for 1 hour. Emails are impossible.

I wanted to transfer {$5000.00} that is currently on hold from my brokerage account ( XXXX ). I have been locked out of my Merrill account for no reason, and I do not get answers except that my account has been locked. 

This is against the terms and conditions of my account, as you all are holding onto my money without the ability to transfer the balance into my checking account or say why my account has been locked.

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 2016-07-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Requested fact-finding for fraudulent account. Received attached notice stating that they do n't have additional details and will get back to me in 60 days. This is a direct violation of the law. If a credit reporting agency is unable to verify how they are reporting data within 30 days, it must be removed. Because I am homeless and without a car due to the damage this has caused my credit, I 'm requesting rent at {$900.00} each month XXXX and Equifax have kept this on my report which is {$6300.00} per each agency. XXXX followed the law and removed it. Thank you, XXXX! My score went up XXXX points where it should 've been. Im also requesting loss of income which is {$3000.00} per month, as I lost my job due to no transportation. That was in XXXX. That totals {$12000.00} per agency. 

The only way changes will be made is if XXXX and Equifax are held accountable and are forced to compensate their victims! They are breaking the law and it has serious consequences. I 'm homeless during the biggest heatwave in XXXX XXXX on you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Chase claim XXXX XXXX and XXXX I asked Chase to help me dispute a {$440.00} charge from XXXX XXXX and provided clear documentation with USPS tracking details. The tracking details clearly shows that XXXX XXXX ( the Original Sender ) shipped it out via XXXX on XX/XX/2023. XXXX tried to deliver on XX/XX/2023 and it was refused by the recipient. XXXX then returned it to the merchant ( the Original Sender ) on XX/XX/2023. However, the merchant refused to issue a refund. Merchant responded to Chase that they never received the merchandise. However, XXXX website clearly indicated that the package was returned to the merchant ( the Original Sender ) on XX/XX/2023. 

However, Chase still decided to side with the merchant twice given clear evidence that I never took possession/received the products and furthermore USPS successfully returned it to the merchant. When I called Chase dispute department, their response was that I had proof that the merchant took possession of the returned merchandise. However, the tracking shows USPS returned it to the merchant ( the Original Sender ) on XX/XX/2023. If this is not sufficient proof, then the pillar of the modern e-commerce would no longer work. Most of the packages delivered nowadays do not require a signature and video proof. And the modern e-commerce relies on tracking information provided by shipping companies including USPS as evidence of delivery. Chase 's decision to side with the merchant is clearly mistaken and biased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Foris DAX, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX, which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm. I have tried resolving this matter with Crypto.com directly, however they refused to take any responsibility or action in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: NV
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, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the account below : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: REGIONS FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
On XX/XX/2023, I received an email from XXXXXXXX XXXX thanking me for requesting a new credit card which I never received. 
XXXXXXXX XXXX called to confirm the application which I declined, reported as fraudulent. They closed the application. 
On XX/XX/XXXX at XXXX I received an email stating that I opened an account with Regions Bank. They are in the process of closing the account. 
I have frozen my Credit with XXXX and XXXX XXXX XXXX servers were down, so I was unable to freeze my credit with them.

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