BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: Coinbase, Inc.
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I hope this complaint has correctly found itself within your Consumer Financial Protection Bureau department as it is very essential to me that you become aware of the ordeal I have had to go through. Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, 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 USD which was transferred from my wallet utilizing your services. I do not have a proclivity to blame others for my downfalls, however, I can not help but link this enormous loss with the trust I had instilled in XXXX XXXX XXXX, which is a fraudster.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have been a major victim of identity theft and my personal information was compromised to a point beyond restoration. Recently, when I conducted a credit check I discovered that there are bankruptcies reporting on my credit report that were filed in the year of XXXX I never filed for a bankruptcy therefore, when I contacted the credit bureau to dispute the XXXX XXXX XXXX XXXX they told me to contact the XXXX XXXX XXXX XXXX XXXX. I contact XXXX and I informed their offices of the fraud and they conducted their investigation and concluded that the information were fraudulent and removed the fraudulent bankruptcies from my credit report. However, the credit reporting companies have not removed anything from the report despite the XXXX XXXX investigation that deemed the information as fraud. I request that the credit reporting companies remove the fraudulent and inaccurate information from the credit report because these bankruptcies were filed fraudulently and I will provide the documents with this report regarding this matter. I was able to obtain the documents from the court of bankruptcy and from the very first page it implicates the fraud in this matter.

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 2022-09-30
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$56.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character

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 2022-08-03
Company: LEXISNEXIS
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : This account is in violation OF 15u.s code 1681A consumer right to privacy this bankruptcy shouldn't be on my credit/consumer report XXXX Please remove this bankruptcy from my public record This account is in violation OF 15u.s code 1681A consumer right to privacy this bankruptcy shouldn't be on my credit/consumer report XXXX Please remove this bankruptcy from my public record

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached 3 FTC reports with inquiries I did not authorize

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2022-10-24
Company: Upgrade, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
For the last 60 days I have been fighting this company for illegally not applying a payment to my account for an amount between XXXX dollars ( multiple payments were made and at least XXXX was not subtracted from the balance ) even after providing months of bank statements and any possible information associated with my claim they continue not to find the payment that wasn't applied to reduce my balance owed. On XX/XX/XXXX I was told a payment for {$690.00} was marked as reversed, so I submitted a statement showing that payment went through XX/XX/XXXX at XXXX XXXX. I called in again today and they changed their tune saying the payment was completed yet the balanced owed remains unchanged. All of these phone calls are supposedly recorded as well. A very basic calculation of all my payments made in the last 60 days well exceeds what was spent and interest charges paid ( I pay the card off monthly and keep tabs on the exact balance on a daily basis ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: MD
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 recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have a dozen problems. But right now I still can't get in the Federal student aid page. They had to do a reset that took since XX/XX/XXXX and sent me a code. The code wants me to confirm changes. I have a new address. It won't move forward on the page to confirm. I had the chat person there try to help. Nothing worked. I don't even have a place to log out there as I should. I think that site is being watched, or hacked something. Something is wrong. 



And before that I have all kinds of emails all year begging Navient to help me with info so I know what to do. For months. I got emails saying they are investigating my case and will get back to me. No help. Or several that say she will be out of the office for a week. Several times! I couldn't get in my navient account for a while and didn't even know what my loans were from 25 years ago. But they were federal XXXX subsidized. But sold I guess. 
I feel they have purposely not assisted me for a very long period. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have XXXX XXXX XXXX XXXX XXXX XXXX. I begged for help. I finally got in navient site but locked out of student aid a long time. I've spent so many hours so many days trying to get this figured out and see what I need to do. I cant get in XXXXXXXX XXXX now. I hope a hacker is now in there. XXXX XXXX asked for my SSN and date of birth. I couldnt log out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Conn's, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Conns furniture is not MY account but continue to report accurate I DONT HAVE NO ACCOUNT WITH CONNS THEY STATED THAT I OWED THEM XXXX XXXX THEY STATED THAT I OPENED A ACCOUNT WITH THEM IN 2018 NEGATIVE I DONT KNOW ANYTHING ABOUT THIS ACCOUNT I MOVED FROM THE ADDRESS STATED IN 2018 BUT THE NEW TENANT STOLE MY IDENTITY INFORMATION CONNS APPLIANCES ALLOW SOMEONE ELSE TO DESTROY MY CREDIT AND GET MERCHANDISE IN MY NAME THATS FRAUD PLEASE REMOVE THEM FROM MY CREDIT REPORT I HAVE FILED AND PROOF OF A POLICE REPORT FOR THIS ACCOUNT THAT DO NIT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: IN
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:
I submitted a dispute to equifax about XXXX XXXX account inaccurate. 
Once again equifax has failed to go through the proper investigation process. Which is against the fair credit protocol. Equifax needs to fix this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 and XX/XX/2022, my wife received documentation from Truist Bank as follows : - Several Money Market accounts stating that her overdraft protection was declined. 
- Several bank statements showing small balances less than {$1.00}. 
- She never had or opened a new account with Truist Bank. 

On XX/XX/XXXX we contacted Truist Bank in XXXX, Va. We gathered the statements and went to Truist Bank XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Va XXXX XXXX. We spoke with XXXX XXXX, XXXX Team leader ( Ph : XXXX. We expressed that we were concerned about theft ID and how someone could open several accounts without personally coming in to the office. 

XXXX XXXX contacted their fraud department and placed a block on the account. She advised us to contact the credit bureaus and have our data frozen. She provided us with her business card and said that we will receive written documentation from the Fraud Department. The same day we contacted the credit bureau and had our accounts frozen. 

On, or about XX/XX/XXXX, we filed a fraud report with the XXXX of XXXX XXXX, VA. 

On XX/XX/XXXX, we had not received any contact from Truist Bank and called the office in XXXX to inquire of the status. They had none. After that we called the Truist Bank fraud department. They stated that they show the accounts blocked. We asked for documentation to show that the accounts were blocked and the progress they have made. 

We were told that they will not provide us with any documentation. This caused grave concern for us since it appears that our ID has been stolen. They refused several times by saying that we will not receive any documentation, but the conversation has been recorded.

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 2022-08-03
Company: U.S. BANCORP
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 at XXXX pm EST, I ordered a computer from an individual for {$2500.00} through XXXX with US Bank. I was promised a 2-3 day turnaround time, but the individual stopped replying and did not deliver the computer I purchased.

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 2022-08-03
Company: AMERICAN ADVISORS GROUP
State: NC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted AAG about whether I would qualify for a reverse mortgage in XX/XX/2022. Worked with XXXX XXXX who stated he had many years of experience and would research comps in my area. XXXX XXXX called back stating I would qualify for reverse mortgage based on his research of comps estimating my home value @ {$430000.00}. Because of his advice and ongoing reassurances I proceeded with the application completing the appraisal and required counseling. The appraisal came in at {$370000.00} short of what I needed to qualify. I am now {$770.00} more in debt. Read the article from your organization about overinflated estimates to persuade borrowers to proceed with loan applications. Have tried to contact XXXX XXXX about this issue with no response & unable to contact supervisors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: NY
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:
When I went to the car dealership, they said I'll only have one hard inquiry but I ended up having many hard inquiries. 

XXXX XXXX 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 2022-11-28
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
this company and XXXX XXXX XXXX XXXX  have shared my personal records and i believe my rights have been violated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character

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 2022-08-03
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. DP OF EDUC Account Number : XXXX BAL : {$0.00} 2. DP OF EDUC Account Number : XXXX BAL : {$0.00} 3. DP OF EDUC Account Number : XXXX BAL : {$0.00} 4. DP OF EDUC Account Number : XXXX BAL : {$0.00} 5. DP OF EDUC Account Number : XXXX BAL : {$0.00} 6. DP OF EDUC Account Number : XXXX BAL : {$0.00} 7. DP OF EDUC Account Number : XXXX BAL : {$0.00} 8. DP OF EDUC Account Number : XXXX BAL : {$0.00} 9. DP OF EDUC Account Number : XXXX BAL : {$0.00} 10. DP OF EDUC Account Number : XXXX BAL : {$0.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXX  XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, FL XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Equifax Employer : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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