BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: PNC Bank N.A.
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:
PNC issued me a credit card and I was on business travel and the credit card was not even activated few days later they decided to close the credit card due to non activity and reported it to the XXXX XXXX credit that the account was closed which had been on my credit report even though t it was not my mistake and now they are not willing to fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt stems from an old deposit where I lived. When trying to reach a settlement the amount owed was not the original XXXX but XXXX due to interest charges on a collection. I think it should be illegal to charge interest on collection bills. Consumers are already struggling and don't need more debt on top of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
The company I am filing a complaint against is Coinbase. In XXXX XXXX, I was traveling to XXXX for vacation, and when I tried to log into my coinbase account, it was immediately closed due to suspicion that I may live in XXXX. After multiple attempts to contact support, there has been no response at all, and my account is frozen along with XXXX dollar in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-06-13
Company: Experian Information Solutions Inc.
State: FL
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 have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance Owed : {$0.00} Collection : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX

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 2022-07-25
Company: Experian Information Solutions Inc.
State: FL
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 appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these from my files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$80.00}

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 2022-11-18
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account XXXX XXXX ( {$1400.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$420.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1200.00} ) In reference to the above that these listed accounts be validated per pursuant to 15 USC 1692 et seq. of the Fair Debt Credit Collection Act ( XXXX ). You have violated my health information privacy rights, and/or committed another violation of the Privacy Security or Breach Notification rules. I never gave permission to share my information with ANY third party, I am aware that HIPPA does allow limited information regarding me, but ONLY can be revealed with my written authorization. I did give any written authorization to release any information to my credit report.

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 2023-01-20
Company: EQUIFAX, INC.
State: FL
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:
checking my credit report I am intrested in disputing all invalid daTA that is hindering my credit profile with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reason for this dispute is a Unknown account from CREDENCE RESOURCE MANAGE # XXXX. 
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) as well a complain under FDCPA 809. Validation of debts ... ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, The specific information under dispute is the derogatory nature. 
Should be held liable under 1681e ( b ). As an overwhelming weight of authority holds that credit report is inaccurate either when it is patently incorrect or when it is misleading in such a way and to such an extent that is can be expected to have an adverse effect. '' Khan v, Equifax Information Service, LLC No.18-cv-6376 ( MKB ) ,2019 wl 2492762, at*3 ( E.D.N.Y. June 14,2019 ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns about the reinvestigation of information and lousy attempted was done clearly. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. 
Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Defamation of 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 2021-08-14
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received several calls from Transworld Systems Inc recently, and like most people, I do not really answer unknown calls. XXXX  have contacted me before in the past and were not familiar with TSI. I paid a portion in XX/XX/XXXXXXXX ( when they were XXXX ) and then on the following dates, my credit report was flagged several times within the month. 

On XX/XX/XXXX they flagged my account to the credit reporting agencies. 
On XX/XX/XXXX they flagged me again. 
On XX/XX/XXXX, I paid them due to feeling threatened since they were attacking my credit of {$120.00} and on XX/XX/XXXX, they flagged my account again. 

As of yesterday, 18 days later they flagged the credit bureau again. I feel that these are bad business bullying tactics coupled with the agent telling me they would in many words attack my credit is absolutely horrible and unjust considering I made a payment last month and plan on making one this month, and work on paying this off. I still worry they will attack me in this fashion. I am a XXXX XXXX  and single mother and these bad business practices effect how I can care for my child  as I just moved to a new city ad they are eating away at my credit score which effects me finding suitable living for my XXXX. My credit score has significantly suffered a loss of 24 points in 35 days despite a payment due to them. This is damaging and I feel the no one should have to succumb to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 am filing a complaint with the Consumer Financial Protection Bureau regarding the lack of response from credit reporting agencies specifically for this complaint after multiple attempts to correct inaccurate information. On XX/XX/XXXX, I sent multiple letters to all 3 credit agencies ( Transunion, XXXX, XXXX ). 

XXXX ; XXXX XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX Tracking number of XXXX, which was confirmed as received on XX/XX/XXXX. However, as of XX/XX/XXXX, I have not received any response via mail and no changes or updates have been made, and I am unable to access their online systems. 

Transunion ; XXXX XXXX XXXXXXXX/ XXXXXXXX XXXX  XXXX. 
Tracking number of XXXX which was confirmed as received on XX/XX/XXXX. However, as of XX/XX/XXXX, I have not received any response via mail and no changes or updates have been made, and I am unable to access their online systems. 

XXXX ; XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX USPS expected delivery date of XX/XX/XXXX. I have not received any response via mail and no changes or updates have been made, and I am unable to access their online systems. 

This specific document requested the following updates ; Personal Updates ; 1.Incorrect Address ; Needs to be ONLY XXXX XXXX XXXX # XXXX XXXX, va XXXX ' XXXX NO others ) 2.Incorrect Name Needs to be ONLY XXXX XXXX ' no middle name or initial. 
3.Incorrect Employer Needs to be ONLY XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( NO others ) Incorrect credit reporting accounts that are reporting as ; 'Name of creditor ' - 'Reporting Account Number 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  According to the Fair Credit Reporting Act, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. The lack of response has prevented me from obtaining credit within the last 30 days, and I have suffered negative impacts as a result. Enclosed with this complaint is a copy of the original correspondence sent on XX/XX/XXXX. This same packet was sent to all 3 Credit bureaus ( Transunion, XXXX, XXXX ). 

Thank you, 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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX,2021. I sent dispute letters via certified mail. To all three consumer reporting agency 's. Demanding the child support account be removed due to the fact I did not give the reporting agency 's written consent to furnish such information. 15 USC 1681b Permissible purpose of consumer reports. 
In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
If the reporting agencies have written consent from me regarding this account please provide the evidence.

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 2023-08-26
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Former case number : XXXX - XXXX Dear Sir and Madam, Due to the complaint email I sent to you on XX/XX/XXXX regarding the handling of customer issues by the management of CISCOVER company, DISCOVER company received your letter and replied to me ( see attachment ). These three reply letters come from three different places, of course, the same CISCOVER company. Among them, the letter from XXXX XXXX, Ohio requesting a new card for me made me very cautious, as the company had already changed the card for me in XX/XX/XXXX, citing that the merchant would no longer automatically receive payments. But he added the so-called " total price fee of {$41.00} '' to the new account in XX/XX/XXXX. In this way, the merchant 's automatic payment will be added to my account again. If this time, DISCOVER 's company in XXXX XXXX, Ohio will give me a new card. Although I did not request a card change, based on my recent interaction with DISCOVER company, I have found that the policy management and quality of DISCOVER company 's management personnel are insufficient, and I am not willing to have a conversation with such companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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 XXXX we went to this XXXX  because they said they offered XXXX  and my husband needed extensive XXXX XXXX because of my husband 's fear of the XXXX we explained he needed to be under XXXX. They convinced my husband they could do it without XXXX and he would feel nothing. I was concerned that our insurance would not cover it and the office clerk told us we would need about XXXX extra. So I applied for care and was granted the XXXX and we went in and signed the contracts. But it was going to cost more, about XXXX. As soon as we got into the car my husband said to call them and make an appointment to speak with them and cancel everything XX/XX/2021 we gave them a demand letter in person for a refund of the money we prepaid for the XXXX XXXX- XXXX XXXX. This included the XXXX to be credited to our care account. As per the signed refund agreement we told them to subtract the {$500.00} cancellation fee. We did have insurance that would cover the rest. They agreed but never refunded this amount The credit card company told them in XXXX they did not have to refund us- I have documentation of all of 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 2019-11-24
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have been with Wells Fargo for 5 years. The last 2 years my debit card has had to be replaced 5 times. I have had my card information stolen or sold and had around 12 charges on XXXX. XXXX linked my card to at least 9 accounts none of which were mine. After speaking to the bank the following day an additional 4 charges were presented to my account. While the issue was finally fixed it was very frustrating and resulted in my card being canceled and having no access to my funds immediately. Shortly after XXXX began charging my account unauthorized. The bank did am investigation refunded my money and replaced my card again. But this happened at least 4 more times over just under a year. The bank told me that Visa was  responsible because they kept giving XXXX my new card number. It has been extremely frustrating. With everything going on with Wells Fargo I can't possibly be the only person that has suffered through this. When you card is canceled you can go to the bank and get a replacement card however if your funds aren't there because of a fraudulent charge what can you do. While looking into Wells Fargo please look into these issues as well. I don't have all of the date right now because it was ongoing and there are so many it will take some time to research. But they do need to get into trouble. I have been charged service fees while I didn't have my card because they canceled it do to fraudulent charges. They don't care. And it's really frustrating.

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 2023-03-04
Company: EQUIFAX, INC.
State: FL
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:
I write to attach screenshots of my online acct at XXXX XXXX XXXX XXXX XXXX which states ACCOUNT CLOSED, Your Account is closed and Available credit {$0.00} which clearly documents that I have closed my account and my account obviously has been blocked from future purchase transactions. XXXX was required to report my account as Closed By Consumer simultaneously and promptly to all credit reporting agencies during my phone call to voluntarily close my account and block my account from future purchase transaction pursuant to the FCRA and XXXX XXXX protocols. Obviously, my screenshots clearly document that my account was closed and noted in the database of XXXX. However, my CLOSED account still remains reported to every CRA as OPEN and I have doubts whether it knows how to enter mid cycle mandatory reporting if Closed accounts or worse it may not report my account as closed in willful violation of the FCRA and XXXX XXXX protocols entitling be to {$1000.00} in Statutory damages against the Furnisher and every CRA who fails to report my account as Closed. No excuses will be tolerated for routine mandatory processing of my as closed. Please investigate and permanently report my account as closed and further mark my account as disputed.

Company response to consumer: Closed with explanation