BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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:
I did not give XXXX XXXX the permission to furnish information on my consumer report. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

XXXX XXXX is also reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I signed an agreement to enter into a credit transaction with XXXX XXXX ( on an unknown date because my consumer report is showing two different dates ) but had no say, legally it takes two consenting parties to create and agree. I was not informed, the agreement was not conspicuous and clear of basic facts and I made a uniformed decision. There is no evidence of indebtedness, the only evidence of the debt was the agreement I signed but because of the uniformed decision that agreement is null and void. 

My complaint is also with two bureaus XXXX and Experian who are allowing XXXX XXXX to put this incorrect information on my consumer report which are also violations under FCRA For those three violations I am seeking {$3000.00} in remedy under 15 USC 192k a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ;

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 2021-07-26
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Good morning, In XX/XX/XXXX I have created an account on Coinbase to start buying and selling crypto-currencies. 
To achieve that I was requested to upload all the necessary documents to prove my identity and validate my account. All was done properly and since then in XX/XX/XXXX I have been using the account without any problem. 
All this time ( from XX/XX/XXXX to XX/XX/XXXX ) the account was ok and I was able to operate and perform different purchases that I still have currently on my Coinbase wallet ( around XXXX $ ). 
But since XX/XX/XXXX, I got a message on my account saying that my account is under review and I'm not able to operate at all with this money. It's not possible to buy, sell, withdraw, transfer or perform absolutely any kind of operations except to view your balance. 
All this time, since XX/XX/XXXX, I was trying to get a solution from the Coinbase Support without absolutely any kind of proper solution or explanation. The best replay I get was something like : " We are working on your review and we appreciate your patience and understanding ''. I didn't get any estimate of the time required to complete the process, not either an explanation about why they started this process or how can I accelerate or help to complete the process. 
Unfortunately the Coinbase Consumer Support is absolutely useless, without any options to contact personally with an operator or even get a proper email communication with an operator. You will get only a kind of automatic replays or simple replays with no information or help at all. 
My current problem is that I'm unable to perform any kind of operations with my account under review and I have no solution or estimate time to get it completed. 
All this time I was missing chances to trade with my cryptocurrencies and hence missing a lot of opportunities to increase my balance. 
At this moment the only thing I need is to get this problem sorted out, my Coinbase account review finished and be able to have back the control of my account with the approximately XXXX $ on it. 
I will appreciate your help and support to get a solution for this and I will propose to raise an advertisement to all Coinbase clients that this issue could happen to anyone at anytime without previous alert, blocking completely all kind of operations in the accounts and without an explanation about the reasons or possible ways to solve it. 
Thanks a lot and best regards

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Sequium Asset Solutions, LLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2023, I was told by a loan company ( I am applying for a loan ) that on my credit reports from XXXX and XXXX, I had an account from XXXX XXXX that had been sent to collections. I do have a current account from XXXX for XXXX years that I have never been late on a single payment. On XX/XX/XXXX, I called XXXX XXXX XXXX times and talked to XXXX people including managers, All said they could not see details on the account -- yet they said one was there. I was able to give them an account #, listed on the credit report, # XXXX. A XXXX XXXX manager said to drive to an XXXX store where they could likely see more information on the account. On XX/XX/XXXX, I drove to the XXXX store and spoke with a manager. She said she would look into it and call me back within an hour, No call. On XX/XX/XXXX, I called and spoke with the XXXX store manager and she said she looked up the account and the name listed on the account was not XXXX XXXX, but she could not tell me what name was there. I called the collections agency, Focus Receivables Mgmt at XXXX and this is a message only line. I left a message to please call me. No call. On XX/XX/XXXX, I filed disputes with XXXX and XXXX. I also tried to get a phone number for a fraud problem for XXXX. No one from XXXX XXXX would give me a phone number. No one at XXXX XXXX seems to care about this at all. My credit score is downgraded XXXX XXXX  points for this incorrect posting on my credit reports. Even if I pay the debt {$1000.00}, it stays on my report for 7 years. I will include a copy of the information on my vredit report below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Experian Information Solutions 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:
I first began disputing the item in XX/XX/2021, nothing was done. 

On XX/XX/XXXX I submitted a dispute to Experian to have the account updated or negative status removed off my credit report. 

I also submitted a dispute in writing to the creditor and called them but both have refused to update the account. It is the same for al three credit bureaus.

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 2021-07-26
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:
I first began disputing the item in XX/XX/2021, nothing was done. 

On XX/XX/XXXX I submitted a dispute to XXXX  to have the account updated or negative status removed off my credit report. 

I also submitted a dispute in writing to the creditor and called them but both have refused to update the account. It is the same for al three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: LEXISNEXIS
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX  ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 these places has violated my rights, 15 USC 1681 section 602 A states i have the right to privacy.

15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c section 604 ( A ) ( 5 ) section states. No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2023 I attempted to pay my Capital One Card ending in XXXX off, I paid {$2800.00}. On XX/XX/2023 I saw that my card had a balance of {$45.00}, I called Capital One and asked how much more was required to pay off the card? I expressed my goal was to stop paying interest, the agent told me XXXX something dollars was required. While on the phone with the agent I tried to pay that amount, and I received an error message stating I could only pay {$50.00}. When I told the agent I was not able to pay to XXXX something due to an error, he had no explanation. I requested a manager / supervisor, a female joined the call, and I told her I believe the agent was miscalculating the interest. I also explained I am employed by a major bank, and it is not that hard to provide a payoff amount. The alleged manager / supervisor told me she coached the agent on his error, and explained there was no way for them to provide me with a payoff amount. I told her that is not right, and I believe they are preventing me from paying the card off. I believe they are trying to take advantage of me financially, to keep the interest going. In my opinion Capital One is being deceptive! Capital One just like any other financial entity has the tools to provide a payoff amount. Please investigate Capital One, and their shady tactics to generate interest even when a customer tried to pay their account off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14
Company: LEXISNEXIS
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the Fair Credit Reporting Act, they have violated my rights 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 an 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 2023-06-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX Account Name XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX Account Name XXXX XXXX XXXX  Account XXXX Account Name : XXXX, XXXX Account XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

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 2022-10-27
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-21
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company has not reported my balance since XXXX. I have checked all bureaus. The account balance is also at XXXX. 

I am trying to buy a house and this is not helping the process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am so upset and freaked out about what is happening to my credit record and myself. Not only is it extremely humiliating, but it is obviously either your responsibility or the fault of the corporation for publishing this false information. Update to paid now or as promised and remove any annotations for late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Back between XXXX and XX/XX/2015, I requested for a deferment on my student loans that had gone out of deferment. I was informed that all payments are deferred till the following year. Because I was told they were deferred, I never checked for any correspondence from Nelnet. In XX/XX/2015, I noticed on my credit report that Nelnet reported my account being late for more than 3 months. Because I was told by their agent that my loan was adjusted over the phone till the following year there was no obligation to make any payments and their reporting is inaccurate. I have disputed this several times and they have not done a proper investigation and accept responsibility because it was one of their agents that informed me that my payments were deferred. I have asked for the phone conversation on that day and they couldn't produce it. This has a negative impact on my credit and I want them to do proper investigation on what happened on that day in XX/XX/2015 when i requested for the deferment. I have a 100 % track record of never being late with any of my creditors. This is the only account that has ever been late and that's out of the norm. This is a clear mistake on their end and they are refusing to take responsibility of their own mistake. I have filed a dispute with XXXX  in the past and they have not done a proper investigation into this and still this has been on my account for almost 4 years now and I am 100 percent sure they are wrong on this one and my track record shows it and you can see i paid all my lenders 100 % on time for the past 14 years.

Company response to consumer: Closed with explanation