BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-19
Company: Experian Information Solutions 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:
I noticed 14 student loans and 7 inquiries on my Experian credit report that does not belong to me : U S Dept of ED XXXX XXXX / XXXX  ... XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED XXXX XXXX XXXX XXXX  ... XXXX Date the account was opened XX/XX/XXXX U S Dept of ED XXXX XXXX XXXX XXXX ... XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED XXXX XXXX XXXX XXXX XXXX XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED XXXX XXXX XXXX XXXX XXXX XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED XXXX XXXX XXXX XXXX XXXX XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED / XXXX XXXX XXXX XXXX XXXX Date thXXXX Account was opened XX/XX/XXXX U S Dept of ED / XX/XX/XXXX XXXX XXXX XXXX XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED /XX/XX/XXXX / XXXX XXXX XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED / XX/XX/XXXX/ XXXX  XXXX XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED / XX/XX/XXXX / XXXX  ... XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED / XX/XX/XXXXL / XXXX  ... XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED / XX/XX/XXXX / XXXX  ... XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED / XX/XX/XXXXL / XXXX  ... XXXX Date the Account was opened XX/XX/XXXX I noticed unauthorized inquiries on my credit report. Someone else applied using my name. According to the FCRA ( Fair Credit Reporting Act ) these unverified and unauthorized inquiries must be deleted : XXXX XXXX.. Unauthorized Inquiry ... XX/XX/XXXX XXXX XXXX XXXXXXXX.. XXXX XXXX ... XX/XX/XXXX XXXX XXXX XXXX. Unauthorized Inquiry ... XX/XX/XXXX Experian XXXX XXXX... Unauthorized Inquiry ... XX/XX/XXXX XXXX XXXX... Unauthorized Inquiry ... XX/XX/XXXX XXXX XXXX... Unauthorized Inquiry ... XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX... Unauthorized Inquiry ... XX/XX/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 2022-02-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX, Account number XXXX, date opened XX/XX/XXXX, Amount XXXX, This account was opened fraudulently, I contacted the company and company refused to remove this from my account and it is still trying to hold me responsible. XXXX XXXX account number XXXX, date opened XX/XX/XXXX, Amount XXXX, This account was opened fraudulently.I contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, account number XXXX, date opened XX/XX/XXXX, Amount XXXX,. This account was opened fraudulently, I contacted the company and company refused to remove this from my account and is still holding me responsible, XXXX account number XXXX, date opened XX/XX/XXXX, amount XXXX. This account was opened fraudulently, I contacted the company and company refused to remove this from my account and is still holding me responsible, XXXX XXXX, account number XXXX, date opened XX/XX/XXXX, amount XXXX. This account was opened fraudulently, I contacted the company and company refused to remove this from my account and is still trying to hold me responsible, XXXX XXXX, account number XXXX, date opened XX/XX/XXXX, amount XXXX,. This account was opened fraudulently. I contacted the company and company refused to remove this from my account and is still holding me responsible. XXXX XXXX account number XXXX, date opened XX/XX/XXXX, amount XXXX. This account was opened fraudulently. I contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

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 2022-02-23
Company: Social Finance, Inc.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
SoFi has locked my money account due to supposed " fraudulent activity '' on XXXX after I phoned in to simply add my SoFi credit card to XXXX XXXX. They had my old phone number on file with the credit card after I updated my SoFi profile with a new phone number so the customer service agent had to contact their security to see why the account wasn't updated after I changed the number via the app. 

They locked my account that following morning. Not my credit card but my MONEY account with all my finances. I called the number they provided for inquiries, but you're only allowed to leave a voice mail. 

I called the account customer support to speak to a human, and they told me I simply have to wait for one of their security team members to call me. Meanwhile all my money is frozen. I asked her if I was not supposed to be able to buy food or eat and she replied, " yes sorry for the inconvenience. '' A complete joke of a company. Do NOT give them any of your money. They can lock it and essentially steal it from you for literally any reason then not allow you to speak to anyone. The only " fraud '' protection you need is from SoFi themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: EQUIFAX, INC.
State: CA
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:
To Whom It XXXX Concern : I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX - Account Number : XXXX Date Opened : The reporting of these account ( s ) is/are violations of 15 USC 1681 XXXX and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: Avant Credit Corporation
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I received a preapproval offer in the mail from Avant. I decided to apply online with the preapproval code they gave me and was informed based on my credit ( they pulled online during application process ) I was approved for XXXX. I did not need XXXX but applied for XXXX instead. They asked me for my personal bank account information such as account number and routing number. I thought this was a bit odd but I complied. For the next several days the website informed me that my documentation was in process. I received several phone calls from them asking me the same questions ad nauseum. I found this a bit unprofessional and lends to my reason for filing this report. This morning I received a denial. I 've been denied before, but I am a little concerned when a bank asks me pertinent information with regard to me bank account without actually approving me. I am inquiring as to whether or not this is a standard banking practice. If not, what are my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: PNC Bank N.A.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : PNC BANK XXXX XX/XX/XXXX {$150.00} XXXX OF XXXX XXXX XX/XX/XXXX XXXX FUNDING XXXX XX/XX/XXXX {$820.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Franklin Credit Management Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a loan modification loan for the past 2 or 3 years and i was told that it has taken care of the second on the loan also. i have not seen any negative statements on my credit file concerning this matter. Now i have been sent a letter o notice of default and intent to accelerate against me on my home. it says total payments due for 87 months XX/XX/2008. the principle is XXXX and interest is XXXXlate charges XXXX. I have no idea about any of this claim. all i know is that i had a loan modification and only XXXX bill to pay because it was taken care of by the loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: EQUIFAX, INC.
State: AL
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 NOTICE ON MY CREDIT REPORT   XXXX   XXXX   NEVADA ADDRESS AND I NEVER LIVED IN   XXXX   XXXX   NEVADA. I DO HAVE FAMILY IN   XXXX   XXXX   NEVADA AND A RELATIVE THAT NAME IS VERY SIMILAR TO MINE. I PROVIDED THE CREDIT BUREAUS WITH 17 YEARS OF ALABAMA  STATE I SSUED DRIVERS LICENSE AND I SENT OVER TO CREDIT REPORTING AGENCY TO SHOW THEM THAT I HAVE BEEN IN ALABAMA ALL MY LIFE AND THIS IS NOT MY DEBT. AND THEY STILL WANT CORRECT OFF MY CREDIT REPORTS ALL   XXXX    XXXX , EQUIFAX,  XXXX . THERE WAS A CHAPTER  XXXX , VEHICLE, LOAN, REALTY COMPANY CHAPTER  XXXX  BANKPRUTCY   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX    THESE ARE NOT MY DEBT. NEVER LIVED IN   XXXX   XXXX   NEVADA.   PLEASE ASSIST

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to XXXX, XXXX and Equifax. I did not get a response. I disputed this account on XX/XX/XXXX and still did not get a response. I submitted another dispute letter on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I still haven't received a response. I also asked for this account to be reinvestigated within 30 days. I still haven't received a response. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXXXXXX XXXX XXXX  ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've contact the company regarding the late payment that was incorrectly reported and the update was supposed to be taken care to remove late fee status to current, but hasn't been resolved.

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 2016-10-10
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Made the last payment on 15 year loan in XX/XX/2016. Was informed by bank that I had a balance of {$98000.00}. I applied for loan to buy some time and was turned down because of low income and low credit score. The 15 year loan was paid monthly without missing a payment. {$950.00} a month for 15 years. Total amount paid was {$170000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
All of a sudden 2 days ago i was unable to access Chase offers for two of my credit cards. The Freedom cards. I am still able to on my 2 other Chase cards ( business and XXXX ) emails, social media and two phone calls later and all i have been given is conflicting and wrong information, not to mention a waste of my time. One rep. told me they had to " refresh my account '' that accomplished nothing. The next one told me they ended the program for those cards, without notice, and then their Social Media rep told me that wasn't true. As usual with this bank, nobody knows anything, and all they seem to be able to accomplish is to ask repeatedly for my name and address and card number. A business would have to seriously make a concerted effort to provide more consistently pathetic customer service as this disgusting bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Funding and XXXX XXXX are both reporting as Factoring Companies on all of my credit reports. Factoring is done on current accounts, not those that are in default and have been sold off to a collection agency, which are what both companies are. 
Since they are reporting as a Factoring Company, I would like for both Midland Funding and XXXX XXXX to prove that they factored the accounts while they were still current.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CT
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Transfer was pending at recipient bank for over 5 days at BMO Harris at XXXX XXXX XXXX in XXXX IL. Branch manager was on vacation and transfer department ignored my ACH deposit for {$30000.00}. This made me scared the transfer was lost, and angry that I was ignored.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 NOTICE ON MY CREDIT REPORT XXXX XXXX NEVADA ADDRESS AND I NEVER LIVED IN XXXX XXXX NEVADA.  I DO HAVE FAMILY IN XXXX XXXX NEVADA AND A RELATIVE THAT NAME IS VERY SIMILAR TO MINE. I PROVIDED THE CREDIT BUREAUS WITH 17 YEARS OF ALABAMA STATE ISSUED DRIVERS LICENSE AND I SENT OVER TO CREDIT REPORTING AGENCY TO SHOW THEM THAT I HAVE BEEN IN ALABAMA ALL MY LIFE AND THIS IS NOT MY DEBT. AND THEY STILL WANT CORRECT OFF MY CREDIT REPORTS ALL 3 XXXX  XXXX, TRANSUNION. THERE WAS A CHAPTER XXXX, VEHICLE, LOAN, REALTY COMPANY CHAPTER XXXX BANKPRUTCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE NOT MY DEBT. NEVER LIVED IN XXXX XXXX NEVADA. PLEASE ASSIST

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 2018-01-22
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Hello Sir, I hope this mail will find you the best of health. I am a XXXX citizen and residing in XXXX. Actually, i had transacted some crypto currency of amount almost XXXX ( Above XXXX $ ) Bitcoins to mistakenly generated bitcoin cash address. The Receiving Wallet Address generated by me was of Bitcoin Cash ( XXXX ), But the amount transferred was Bitcoin ( XXXX ) by the sender. Funds was transferred from XXXX to Coinbase channel. So, the sender sent XXXX to XXXX wallet address, which was generated by me. My amount is blocked at Coinbase end because XXXX showing XXXX confirmations of my transaction. I had mailed the Coinbase support team and explain them about my issue. But Coinbase team didnt bother to respond to my mails even the Lapse of 30 days. Further, I had also tried to explain them through call about the entire issue, but they did n't resolve my issue after the lapse of considerable time. Therefore, I am complaining through this channel to take action against XXXX to redress the grievances and issues of a lot of people, whose amount is blocked at coinbase 's end. 

Additional Information : Company Name : XXXX My Email : XXXXXXXXXXXX Transaction Hash : XXXX Receiving Wallet address ( BCH ) : XXXX Transaction Date and Time : XX/XX/XXXX, Between XXXX Transferred amount : XXXX XXXX Coinbase Physical Address : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a credit card on XX/XX/2020 in Bank of America. And looking to my XXXX credit report on XXXX XXXX  they put it twice the same inquiry in my credit report, so I have 2 instead of one that was the one I did. And want to remove it because is the information is not accurate.

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 2016-06-18
Company: Rock Holdings Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I purchased my brother 's XXXX interest in my residence. Unfortunately, a document, The Real Property Transfer Tax Return was filed late by Title Source XXXX XXXX XXXX XXXX, MI XXXX, titlesource.com with the XXXX Department of Finance. I have been fined for this late filing {$110.00}. The transfer date was XXXX XXXX, 2016. The form was filed with XXXX Department of Finance on XXXX XXXX, 2016. I would like to be reimbursed for the {$110.00} which I had to pay.

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 2016-08-01
Company: Financial Business and Consumer Solutions.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Calls and threatens to serve me if I do not pay up and calls family, neighbors and friends and gives them my personal info

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: NC
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:
Dear sirs, I reported these problems with Equifax on two different times. On XXXX XXXX and XXXX XXXX, XXXX. I showed that 1 ) the account is showing both closed and in collections. It also read opened when it was in collections. I showed that 2 ) information was missing things like Months reviewed, Terms Frequency, Account type, Date of last activity and Sold To. 3 ) This account was sold to a collection company yet it is not on this report. 4 ) I even questioned the balance because it seemed unrealistic for a cell phone. The only thig that was done was that the accounts wsa updated. Many of the mistakes are still on the report.I have reason to believe that this will change from my pointing these issues. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 Act XXXX 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 an 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