BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
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: Information belongs to someone else

Complaint:
I believe I am the victim of identity theft. I had a collection account from XXXX XXXX XXXX placed on my credit report related to an address in Texas. I have never lived in Texas nor was I familiar with the referenced account. I filed a dispute and was notified by XXXX that both the account and address have been deleted from my credit report. However, in reviewing my corrected credit report from XXXX I noticed a new collection account had been listed related to a different address in Texas. Again, I have never lived in Texas. I contacted the new collection account, XXXX XXXX XXXX and reported the account and address as fraud. The representative for the company asked me about an email address that they had on file with the account and I had never heard of it. I have also filed a new dispute with XXXX, XXXX, and Transunion. The credit reporting agencies say they can not remove the new fraudulent address in Texas from my credit report because a creditor ( XXXX XXXX XXXX in this instance ) reported that address related to an account. The account is fraud and they are reporting incorrect information! CRAs should be required to confirm the address and or account is legitimate once disputed by a custome. I previously placed a fraud alert on my file but that did not stop the credit reporting agencies from listing this new fraudulent account.

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 2022-11-13
Company: BANCO POPULAR DE PUERTO RICO
State: PR
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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # BANCO POPULAR XXXX XXXX & XXXX  XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
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:
On XX/XX/XXXX i sent out a valid request to have these fraudulent accounts removed from my credit report with TransUnion. TransUnion has not removed the accounts. I have sent them more then enough evidence or supporting documents for them to remove the accounts.

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 2022-11-13
Company: Resurgent Capital Services L.P.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please freeze this report and update my correct information. The XXXX makes it impossible to access my report My name is XXXX XXXX XXXX My addresses is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX phone numbers XXXX I have not opened any new accounts, clear all the inquiries that have no account attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Good morning. 
I made a minimum payment due on my credit card account last month as I was not going to have enough money in my Bank checking account on the XXXX due date. I checked ( screenshot from Citi attached ) after making my payment, and " Citi Told me '' no Payment was due any further after the payment. 

Issue : Yet, on my due date, Citi still withdrew using XXXX. I ended up paying Double of what I wanted to and Double of what I needed to. 

Unfair and deceptive acceleration of paydown of my 0 % XXXX balances despite clear disclosure : I have a 0 % XXXX XXXX which Citi paid off deliberately faster taking away that benefit and also putting me in jeopardy of getting a returned check on my Checking account. All this, AFTER Citi informed me in plain XXXX that my XXXX XXXX after the payment was {$0.00} ... Why? - Please refer attached screenshot. I would only use XXXX to " Pay what was DISCLOSED to me on my Statement and nothing more ''. Why should I prepay what is not due. Especially when my balances are all at 0 % APR?? 

If I didn't have money in Checking account, would I be assessed a returned check fee by Citi, is that also why XXXX withdrew more money than was due? Bad revenue stream. 

Deceptive disclosures elsewhere : There are other places Citi uses words like they 'may ' do this or this 'may ' work or not. Such disclosures are very deceptive. As a Bank, " don't you know ''? And should a customer not know, or is it a guessing game? As a customer I should be " empowered by my Bank '' to be financially responsible and " certain about the outcome of my financial decisions '', not be guessing. the only reason someone uses terms like 'may ' are if they are a lawyer or " if they just don't know ''. 
So please it would be helpful if you changed some of that language. Regardless, the attached screenshot indicates that I owed Nothing and yet XXXX withdrew- so that was misrepresentation by Citi. 

Continued issues : I am astounded by what Citi is doing. Last month, I was charged interest even though I was paid in Full and all my balances/transactions in the last XXXX cycles were at 0 % XXXX. Just Disputing a charge which also got resolved moved my balances to standard XXXX bucket, and gets me to assess interest? Unethical. 

A lot of things so seem to be running with band-aids. Please don't wait for them to rip off.

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 2020-01-09
Company: Experian Information Solutions Inc.
State: NJ
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:
id theft victim XXXX XXXX XXXX ( not my account due to fraud ) XXXX XXXX   XXXX ( not my account due to fraud ) XXXX XXXX XXXX ( not my account due to fraud ) XXXX XXXX XXXX ( not my account due to fraud )

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 2023-02-23
Company: EQUIFAX, INC.
State: AR
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:
It has been a struggle, therefore I'm writing to ask you to remove the following bogus information from my file. The report includes a list of the items I need to eliminate. I am an identity theft victim and neither I nor the accounts were created. To fix my credit report, I request that the items be removed. I notified the Federal Trade Commission about the identity theft, and copies of the FTC 's Identity Theft Report are also provided. I hereby attest that I have not granted anyone access to my private or confidential records, and most definitely not to the allegedly inaccurate information that appears on my credit report. In accordance with FCRA Section 605b, I thus ask that you immediately delete these details from my credit record with your company. Kindly remove the following objects : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX DEPT OF EDXXXX XXXXXXXX Balance Owed : {$0.00} DEPT OF EDXXXX XXXXXXXX Balance Owed : {$0.00} DEPT OF EDXXXX  XXXX Balance Owed : {$0.00} DEPT OF ED/XXXXXXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance Owed : {$0.00} DEPT OF ED/XXXX  XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX  XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance Owed : {$0.00} DEPT OF ED/XXXXXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Immediately have the disputed items removed from my credit file in accordance with Fair Credit Reporting Act section 605b.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Radius Global Solutions LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

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 2022-11-22
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
URGENCY : HIGH IMPORTANCE : HIGH [ WITHOUT PREJUDICE ] I wish to practice my right as a customer of Coinbase Inc. to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with Coinbase Inc. 
In order to clear up the myriad of letters and correspondences I have hitherto sent to Coinbase Inc. respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case and analyzing the relevant facts in an objective and comprehensive fashion. 
It is crucial to note that I have been manipulated, socially engineered, and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognize that I am the victim of an investment scam. 
My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of Coinbase Inc. to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, and protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2021, I wen to to Navy Federal Credit Union Branch Located and XXXX XXXX to do a XXXX XXXX XXXX transfer transaction to XXXX for an amount of {$1000.00} plus {$14.00} transfer fees making XXXX. The transaction did not go through, so had to do another transaction to help someone in a desperate need. Unfortunately, the first transaction went through the next day so I had to go and cancel it. The bank clerk told me I should check back within 5 business days. I went back after that, they now told me have to wait 4 to 12 weeks to get the money back from XXXX XXXX. I have patiently waited 12 weeks ( today is XXXX XX/XX/2021 ). The bank is still telling me stories. They are still in contact with XXXX XXXX to get my refund to me. I call XXXX XXXX myself, they told me to have Navy Federal Credit union contact them because the transaction is in the Bank 's name as a sender. it looks like the Bank is not serious with my money. I am getting confuse here about what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-27
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:
CFPB + Experian, I am writing to request the removal of unauthorized credit inquiries on my Experian credit report. 

My latest credit report shows 4 credit inquiries that I did not authorize. 

I writing to dispute the following inquiries and asking for their removal from my credit report. 

They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX Please have these investigated and removed as soon as possible as I never authorized 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 2023-02-15
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 my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX  XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX  XXXX Balance : {$140.00}

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 non-monetary relief
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
This company has repeatedly used the terms " charged off '' in reference to my auto loan since XX/XX/XXXX. When calling in on XX/XX/XXXX they even refused to take ANY payment at all. The woman told me they didn't even own the loan anymore that it was sold and charged off and my best bet is to trade the car in before the collections company comes for it. Which I could not because Wells Fargo refused to release any information even after signing the paperwork at the dealership giving them permission to retrieve the information. They even told the dealership the loan is charged off with collections. I've filed two disputes and each one the company has DENIED having any communication with us and DENIED telling the dealership anything even though I was right there and heard it all. Today XX/XX/23 my car was repod and the repo driver told me Wells Fargo did not own the loan anymore but he could not tell me where the car was being taken to or who owns the loan that he is not allowed to disclose that Wells Fargo has to. So I called Wells Fargo to which they said they have the loan and once again would not work out reasonable payments and demand the full payment or it could be broken down into four. Which can not happen because they charged off the loan so we can not get a loan for any amount because of the status they put it in. We have expressed MULTIPLE times that all we need is for them to let us start fresh with one month payment due and we would be able to get back on track. I did not want to bring an attorney into this because I figured with all the law suits they already have for people literally in the same exact situation they would be willing to work with us. This company lies and is not willing to work with anyone. They even denied us deferment during covid when they legally had to work with us. I will not drop this until the company can make a reasonable payment plan with us even if I have to join the multiple lawsuits. The letter below doesn't say one word about repossessing the vehicle. It also doesn't give a time frame for when payment is due. It also came before the company told us the loan is charged off and no long active that payments can not be received towards it. I would also like to add that our contract has no loan or account number on it and the company has not offered to give the money we paid for GAP insurance back and we are legally entitled to it. My attorney also states it is illegal to " charge off '' an auto loan account without taking the car and selling it first. The tow truck driver also said he knows he is taking it to an auction lot but yet the company is required to send that information to us XXXX certified mail and has not done so.

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 2023-04-12
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. My correct name is XXXX XXXX but bureaus are reporting it as a XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX. 
Also my current address is XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, 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 2022-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX, I discovered that someone had been utilizing my debit card at a mall in a location that I was not near. I was out of state at the time. The total was {$900.00} worth of merchandise. I of course reached out to my bank who denied my claim for fraudulent charges and then closed my account fot violating the terms of agreement. I submitted documentation that I had been nowhere in the area, actual receipts with address on them. I was told not to contact them again about the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After paying the loan in full. XXXX added the account to my credit report with a status of late. 
Somehow this came out as verified after Experian investigated it.

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