BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX, and I am submitting this CFPB Complaint to you today to follow up the XXXX  CFPB Complaint I submitted requesting the immediate removal of the fraudulent accounts and information I found on my Credit File. I sent a letter on XX/XX/XXXX, to remove inaccurate personal information, inquiries, and accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Under the FCRA section 605b, I am requesting that you remove the following items off my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$350.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$620.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX ) XXXX Balance : {$970.00} XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/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 I have read that under the FCRA section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. Please comply with the law to help me resolve this matter at the earliest possible time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Aside from a copied letter with the letterhead showing as Centralized Mail, Mail Code XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX I have not received ANYTHING else from Chase Bank and have received NOTHING from my servicing Chase Bank officials as to whether this is a VALID DEBIT owed to whom or if this was/is the IRS whom I paid {$12000.00} XXXX XX/XX/XXXX and {$190.00} on XX/XX/XXXX, totaling {$12000.00} resolve my taxes due for tax year XXXX. I made these online payments to the online IRS payment portals listed on the IRS letters IRS mailed to me. These payments are recorded as paid out on my Chase savings statement for each of these two separate payments to the IRS. It appears that for whatever reason, IRS did not receive these payments or my payments were no credited to my IRS account. I am unable to resolve this with my Chase banking officials because the letter I received references a debt of {$73000.00} which is EXORBITANT for IRS which I now believe is a SCAM. In addition, if it is a valid debt someone would have contacted me to follow up on this alleged debt. Chase won't give me the courtesy of advising me WHO IS THE DEBTOR. I have a clean record credit record attached. I have never filed for bankruptcy and my current XXXX  is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXX SXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: GOLDMAN SACHS BANK USA
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
It has come to my attention that I have been making payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth in Lending ( 12 CFR 1026.2.

You have been requiring Federal Reserve notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6.

This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ).

Furthermore I have noticed that you have been redeeming the remittance coupons/ instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). Goldman Sachs XXXX XXXX XXXX. has violated my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
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:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: SC
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 a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts as they are not mines due to identity fraud. 1. XXXX XXXX account # XXXX 2. XXXXXXXX XXXX  account # XXXX 3. XXXXXXXX XXXX  account # XXXX 4. XXXXXXXX XXXX  account # XXXX 5. XXXX XXXX XXXX account # XXXX 6. Account # XXXX 7. XXXX XXXX XXXX account # XXXX 8. XXXX XXXX XXXX Account # XXXX 9. XXXX XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: BANKMOBILE TECHNOLOGIES, INC
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bankmobile Technologies, a subsidiary of XXXXXXXX XXXX, solicited me to open up an account with them via my relationship with XXXX. I had no problems with the initial opening of the account and received my physical debit card. I used that to access my account on-line and proceeded to fund my account {$1000.00}. After going through the verification process, on XXXX XX/XX/XXXX, XXXX XXXX XXXX took the {$1000.00} from my XXXX XXXX  account that I wanted to fund the account and on XXXX XX/XX/XXXX restricted my account with my {$1000.00} being in the account. The cryptic e-mail stated that there was unusual activity on my account and when I called, the customer service agent had me repeat my personal verification information multiple times leading me to believe that this " bank '' is a scam or engaged in fraud or some other nefarious purpose to lure XXXX  customers into giving their hard earned money to XXXX. After speaking to XXXX, a supervisor, he said that they can not tell me why my account was restricted but " after 5 days '' someone will call me. I asked to close my account, but because the account is restricted, they would not. This " bank '' will now have {$1000.00} of my money and I have no access to it nor can I get it back until they determine some arbitrary issue. If my account has been hacked, I have a legal right to know. If their bank has been hacked, just like XXXX had their customer records hacked into not too long ago, I have a legal right to know. Consumers can not trust financial institutions that hide in secrecy and do not tell consumers the truth about what is going on with their account and their money. While it's cute to have a black and purple debit card, just like the horrible coverage and service XXXX provides via cellular services, it is not surprising that they would partner with a suspicious " bank '' that provides even worse support and service.

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 2020-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts listed on my XXXX, XXXX  and Trans Union credit report are fraudulent, unauthorized and not my accounts : XXXX, Total Card, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX. I sent XXXX, XXXX  and Trans Union a police report regarding The fraudulent accounts. The XXXX Police Department police report case number is : 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 2022-08-24
Company: DISCOVER BANK
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had logged on tried to " schedule '' a payment with Discover.com. 
The payment was charged early, and while the money was in the account, it had not been transferred over yet, because it went as scheduled. 
The {$29.00} fee did not show up until the end of the month and is not disputable. Which is incorrect, I am formally requesting arbitration per the customer agreement, with the CFPB as a witness. You may have your {$29.00}, but you will earn it. I dispute this charge as unreasonable. I look forward to working in person to address these issues. 
It is unfortunate that we live in world where corporate America is so greedy they would XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX if they could charge for it! God Bless America though!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-24
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Comenity Bank had someone elses payments and transactions posted on my account on XX/XX/XXXX. I called them but the CSR could not understand what I was telling him. He kept asking me if it was fraud. It was not fraud, it was an account problem where what I was seeing online was not my information. He finally gave me the IT department number. Of course, no one would answer the phone. I finally resorted to contacting Comenity Bank through their online Secure Messaging. I had a very generic response within 24 hours stating the request had been forwarded to the correct department. I have received no communication from them since XX/XX/XXXX. As I am very concerned about the state of their online security I assume someone else was able to see my payments and transactions I started requesting them to close my account on XX/XX/XXXX through their " secure '' messaging. They will not allow you to close an account online. I dont have hours to spend waiting on hold, so I have requested they close my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have had no response from them nor has my account been closed. I am very unhappy with this bank. I have had the Sony credit card for years and closing the account will reduce my credit score. However, when the card was transferred to the control of Comenity Bank there have been constant website outages, the inability to access my account online, and the card declined at various brick-and-mortar stores ( where the card was presented in person and I had a large available credit balance ) with no explanation when I called the number on the back of the card, etc. Their customer service is non-existent. I can no longer tolerate the ineptness of this bank. I am upset my personal information may have been compromised ( with no explanation or even an apology ) and my credit score has to take a hit because of their incompetence. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
Company: Harris & Harris, Ltd.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Harris and Harris keeps calling me and when I called back they said I owe money from a hospital Ive never been to. I asked for them to leave me alone and they keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: HI
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 XXXX XXXX XXXX has violated my right. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 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 2023-03-13
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was in bankruptcy for 10 years. My bankruptcy ended in XXXX, it is XXXX and Equifax is still showing that I have a bankruptcy on my file. The other credit bureaus updated my file once I got out of bankruptcy. I have been denied credit twice because of this erroneous information. I informed them that they were violating the Fair Credit Reporting Act and that they should correct this information. I called on XXXX XXXX, XXXX, they assured me I did not have a bankruptcy on my credit file. I went on line on myequifax.com and it was showing that I had a bankruptcy. I called back on XXXX XXXX and was told they were referring my file to IT to update the information. I checked on XX/XX/XXXX, the erroneous information is still showing. They continue to assure me there is no bankruptcy so they sent me a copy of my credit report on XX/XX/XXXX and it is showing a bankruptcy. 
It should not take 2 years to update there information, when the other two credit bureaus have done it already. I faxed them documentation where I was denied credit and that the wrong Info was still showing, I also sent documentation by certified mail and they still have not corrected my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TD BANK US HOLDING COMPANY
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:
My XXXX XXXX  XXXX credit reports have a number of inquiries on them that are fraudulent and were not ordered by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XX/XX/XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX USD which was transferred fromXX/XX/XXXX XX/XX/XXXX utilizing Coinbase services. 
What would be a fair resolution to this issue? 
Coinbase has to put things into the right perspective for me by reversing the total amount of XXXX XXXX USD paid to scammers as my losses are substantial and I have suffered a great loss because of this fraud, it had affected me personally emotionally, and financially and I am struggling to make ends meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, 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:
Ive just received my credit report and noticed unauthorized items that shouldn't be reporting to my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Had an existing loan with Wells fargo, interest was high

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 2022-12-08
Company: CITIBANK, N.A.
State: PA
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 Credit Card was hacked through XXXX. Notified XXXX at XXXX of fraudulent credit card usage. We were told once charges are pending they can not be removed except by the merchant. XXXX charges on this date involved cash advances of {$1200.00} and {$660.00}. At this time a cash advance transaction fee of {$95.00} was placed on our account in connection with these XXXX advances. 

We continued to make frequent calls to XXXX fraud center and to XXXX fraud unit to get the cash advances removed. XXXX saw obvious signs of fraud on our account which involved other credit cards for XXXX purchases and as a result of their investigation on XX/XX/XXXX they contacted XXXX and credited our account for the XXXX cash advances. I do not believe XXXX was legally required to compensate us as I think credit card companies are supposed to be the ones who are responsible for fraud. Nevertheless XXXX told us repeatedly not to worry, that if the fraud was straightened out that all associated fees would disappear. 

The credit card still shows {$190.00} in cash advance fees. We have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Each time were told dont worry but nothing is done, We were forced to pay the bill to keep our credit good.

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 2022-09-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A fake loan company scammed be out of XXXX I told my bank ( wells Fargo ) and they gave me temporary credit but since they can only see my transaction they took the credit back and no my account is negative XXXX. The company took photos and websites from a real loan company and said I would receive a loan but instead they took my money.

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 2022-04-25
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XXXX XXXX, XXXX Original balance {$2700.00}

Company response to consumer: Closed with explanation