BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: TX
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 was an victim of identity theft. I did file Identity Theft Report with FTC, Report # XXXX and also a Police Report with XXXX XXXX XXXX, Report # XXXX. This information along with a copy of my Drivers License and SSN was sent to XXXX through USPS Certified Mail, Tracking # XXXX. 

This information was also uploaded online through XXXX  Dispute portal. I have spoken to several XXXX Membership Team members as well. I also pay XXXX membership for credit monitoring $ XXXX. XXXX Membership # XXXX Even after several attempts to get the inaccurate information which is a result of identity theft to be removed, XXXX Membership Team nor the Fraud Department has done any corrections to my credit report. 

Unfortunately, as a result of this inaccurate information reporting by XXXX, other credit agencies such as Equifax and XXXX is also reporting this fraudulent inaccurate information. Equifax and XXXX has confirmed that they are reporting as for the information provided by XXXX. 

I am in the process of refinancing my house, due to XXXX reporting inaccurate information which is a result of identity theft I was denied the mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX  XXXX XXXX in XXXX Alabama is attempting fraud with the USPS postal service. XXXX  XXXX XXXX opened a XXXX XXXX in XXXX Alabama with my exact XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. This is after I reported that there was an attempt to cash several checks that were sent to XXXX Alabama. The Banks were Wells Fargo and XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX is now the recipient of my mail, instead of mail being received at XXXX XXXX XXXX XXXX, Alabama XXXX, the mail is sent to XXXX XXXX XXXXXXXX XXXX Al. XXXX. Recently, Wells Fargo updated the information on what is supposed to be a closed account. Wells Fargo updated the phone number and the bank account number. Wells Fargo in settling our previous dispute of opening checking accounts and cashing checks was suppose to refund the fraud money and of course they did not. Instead Wells Fargo sent information by mail stating that I owe them money. Now the plot thickens in an attempt to direct mail to XXXX Alabama by way 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 monetary relief
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 they violated my rights. 
Please delete the following items XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX 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 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 2023-10-18
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citi closed my account for no reason with {$10000.00} in it and is still refusing to send me the check. It's been 55 days since I've been locked out of my account which is approaching even Citi 's own deadline for sending me the funds. I tried sending in several CFPB complaints but the analyst on the case XXXX has been completely incompetent and unprofessional. His manager refuses to assign someone else. I need my funds and I need anyone but XXXX on this case.

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 2023-08-25
Company: Blackhawk Network Holdings Inc.
State: MA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I contacted the Blackhawk Network company regarding a {$200.00} Visa gift card that I purchased. 

The company an be contacted at XXXX XXXX XXXX, XXXX XXXX, XXXX NV XXXX. 

I attempted to use the card and was told that it had been drained, and has no value. 

The card was purchased thru the mail, and and has not left my home or possession. I assume that the card information was as a result on a fraud on the Blackhawk Network. 

I informed the company of this and they have not responded, after 1 month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-10-12
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I am writing to inform you that there is 100 % improper use of the credit report. Attached to my SSN! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND XXXXM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, real employer paycheck stubs, driver 's license, and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and EXPERIAN {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and EXPERIAN, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : EXPERIAN, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, BELOW IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
Account name XXXX XXXX XXXX, Account # XXXX. Account name : XXXX, Account # XXXX Account name XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ), Account # XXXX Account name : XXXX, Account # XXXX. Account name : XXXX XXXXXXXX XXXX Account # XXXX Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX Address XXXX XXXX XXXX, XXXX XXXX IL XXXX, Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!!

15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! 
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!

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 2023-10-27
Company: EQUIFAX, INC.
State: LA
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 is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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 XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$810.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX  Balance : {$350.00} XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX. Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Ally Bank previously ran a promotional offer for a 1 % cash bonus if you funded new money into an Ally Bank savings account and kept it for a certain length of time. As an existing customer, I decided to take advantage of the offer, and I signed up for the promo and transferred $ XXXX in new money on XX/XX/XXXX. After reading the rules, I noticed the maximum I could get was a {$500.00} bonus on a $ XXXX deposit, so I withdrew $ XXXX from the account. According to the rules on the website ( https : //www.ally.com/content/dam/pdf/corporate/offercode/getpaid.pdf? XXXX ) as long as the " Net New Deposits '' were kept in the account till XXXX ( which they were ) I should receive {$500.00}. In fact, I made no other deposits or withdrawals with that savings account for 4 months so there would be no confusion. On XX/XX/XXXX I received a promo deposit of {$270.00}. This is not the correct amount and I'm not sure how they calculated it. I contacted Ally via phone shortly after to explain the error, but the rep didn't understand the rules and told me because I withdrew $ XXXX it reduced my bonus. Even if that were correct how did they calculate {$270.00}? I told her the promo website clearly states " Net New Deposits '', and my net new was $ XXXX but she dismissed my claim. I sent 4 additional messages to Ally via the website hoping to find someone that understood the rules and asked when I would receive the remaining balance due of {$230.00}. To date, the Ally Bank reps haven't fixed the error.

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 2023-10-27
Company: EQUIFAX, INC.
State: TX
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE 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 have disputed multiple unauthorized inquiries with transunion and they wont remove them. As a consumer and under fcra law 15 usc 1681 ( a ) ( 4 ) and 15 usc 1681 ( b ) ( a ) ( 2 ). I have rights to privacy as a consumer and my rights are being violated. I have never given transunion permission to furnish, sell or give away any of my information. No permission equals identity theft. The inquiries should be removed immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-12
Company: EQUIFAX, 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:
I have been submitting multiple letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2023, I initiated a withdrawal of {$12000.00} from my account at Coinbase.com to my domestic checking account. 
I selected the " XXXX XXXX out '' method which says " free '' on the web page ( see screenshot ). However, I was charged {$210.00} " banking fee '' for this withdrawal transaction. 
I contacted Coinbase 's support immediately ( XX/XX/XXXX  ), but the company rep claimed that the withdrawal is not actually " free '' and refused to refund the {$210.00} " banking fee ''. 
Here are the facts : 1. The website clearly listed both " XXXX XXXX out '' and " standard cash out '' as " free ''. 
2. There is no " banking fee '' mentioned in the company 's fee disclosure 3. The company rep said that she doesn't know how it is calculated, or where to look it up when asked. The only way is to know is review one of the popup during the process. 
4. The company rep said that the website shows it's " free '' because the user has not entered the amount. This is very misleading, as not being able to calculate the fee is fundamentally different from being free. During the call, I asked the company rep, whether it is possible to use XXXX XXXX out for free, for any amount. She said no, which is a proof that this method is never free. 
5. When I initiate the withdrawal, I clicked on the " XXXX XXXX out '' option, which says free, before entering the amount, during which I was not aware that it is not free and was misled into paying the fee. 
6. The hidden fee of {$210.00} is also over-charging a domestic transfer, considering the ACH transfer is usually free.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: NV
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: Investigation took more than 30 days

Complaint:
I submitted a dispute for the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: GA
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:
I am writing to address persistent inaccuracies on my credit report, which I have been working to resolve. Despite my previous attempts, it seems that there have been no corrections made, prompting my decision to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) to ensure the rectification of these discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
Company: EQUIFAX, 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:
Hello I asked the credit bureaus to do a verification investigation of my credit report and validate the accounts that were on my report.The reports came back & said it was accurate. I did a research myself and found improper inaccurates on my report even after they did their investigation. 



Accounts : XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX  Accounts has violated my rights. 

# XXXX # XXXX # XXXX # XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 

15 U.S.C 1684 section 604 A. It also states a consumer report agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax removed XXXX credit cards accounts with XXXX XXXX XXXX XXXX  and XXXX Bank saying l filed for identity theft which isnt true. I disputed the balance only with them. Never Identity Theft. Also they sent something to XXXX XXXX Stating Identity Theft which isnt true. 

I reported identity theft for the XXXX close accounts with XXXX XXXX and XXXX 

I have XXXX accounts with XXXX XXXX XXXX card account # XXXX ( Card XXXX ) and # XXXX ( Card XXXX XXXX XXXX XXXX XXXX  opened XX/XX/ account # XXXX opened XX/XX/2014 XXXX XXXXCar loan These XXXX accounts are valid accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I opened this account with Lowes on XX/XX/XXXX. On XX/XX/XXXX, I made a large purchase for my new house, {$22000.00}. I was in the process of moving and mail was forwarded. I did not receive my bill until XX/XX/XXXX. This was one day after due day of XX/XX/XXXX. I paid the bill in full ( {$22000.00} ) on XX/XX/XXXX. I was charged a late charge of {$30.00} on the XXXX. On the XXXX, after I paid the bill, the late fee was reversed. Balance was now {$0.00}. On XX/XX/XXXX, 7 days after I paid the bill, I was charged interest of {$380.00}. I called them again and on XX/XX/XXXX they said it was a mistake and reversed the interest. Balance is now {$0.00} again. 
On XX/XX/XXXX, I made 2 purchases {$770.00} and {$42.00}. I received my bill on XX/XX/XXXX ( closing date of bill was XX/XX/XXXX ). I was charged interest on this purchase - 4 days after purchase date- amount of interest was {$10.00}. They said they would reverse the interest. 

This is the fourth mistake in 2 months. Also, when I call up, they request my social security number and I refuse to give that to 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 monetary relief