BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX {$5900.00} XX/XX/XXXX. 
Unable to verify or validation debt is owed or if there is an contractual agreement. Several Complaints to CFPB have been made. 15 USC 1611 is the criminal/civil penalty for whoever willingly furnishes fraudulent information. This needs to be removed. Irreputable damages have occurred because XXXX didn't do due diligence to see if the account was opened fraudulently. 

XXXX XXXX XXXX {$290.00} XX/XX/XXXX Unable to verify or validation debt is owed or if there is an contractual agreement. Several Complaints to CFPB have been made. 15 USC 1611 is the criminal/civil penalty for whoever willingly furnishes fraudulent information. This needs to be removed. Irreputable damages have occurred because XXXX didn't do due diligence to see if the account was opened fraudulently. 

XXXX XXXX XXXX {$6500.00} XX/XX/XXXX This is incorrect, payments have been made and haven't been honored. I can provide truthful accounting records. How can I only have a credit limit of {$1000.00}, but used {$6500.00}? How does that add up? XXXX XXXX XXXX is a criminal penalty of a year and or a civil penalty of {$5000.00} per violation. If XXXX is to be a credit reporting agency then XXXX XXXX must be available at all time. I did not close the account because I am the creditor. 

XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX This debt has been paid in full. I have the documents proofing as such. This account was closed XXXX XXXX XXXX is another violation of my protected rights.

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 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 have been trying to get this issue resolved since XX/XX/2020 and each time reaching out to this company thats reporting on my credit report which is XXXX XXXX XXXX I keep getting undeliverable mail back. The Credit bureaus claim this account is verifiable and have yet to send me any method of verification. This company is violating my rights according to the FCRA. This shouldnt even be on my report and also reporting inaccurate information.

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 2021-03-13
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
American Express Bluebird deleted and officially withheld my bank statement for card ending- XXXX. From XX/XX/2021 to XX/XX/2021 I am illegally missing my statement and transactions for that timeframe. I have proof because a was able to see my unemployment and now I cant look it up for those past weeks. Not through the app or the online browser. I printed back on the XXXX but all the transactions I needed to see arent on the copy I initially populated on the XXXX of XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I got a call threatening if I didn't call back they'd start legal proceedings. I called back and a lady said that I owed Wachovia/Wells Fargo about {$1500.00} from my old checking and savings account there. She could have said credit card debt, I'm not sure. 

I took my money out of Wachovia after its XXXX meltdown, so I presume the lady was talking about then or before. Almost 12 years after the event! I know I had no credit card then because I got the first credit card of my long life ( I'm now XXXX ) in about XXXX, from the XXXX XXXX XXXX. 

Nor do I see how I could have obtained {$1500.00} from XXXX any other way. When I moved my money no-one said anything about owing. Anyway, the women threatened me giving me my correct social security number and my current address. It felt like a mafia shakedown, especially given the perfidy of both Wachovia in its subprime bundled mortgage scam that helped bring down the world economy for so long, and Wells Fargo 's creation of many accounts not requested by their customers.

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 2019-07-04
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
FCO Fair Collection Agency Has contacted me several time trying to collect a deb on a property back inXX/XX/XXXX that by the original creditor I am no longer financially obligated, A letter was provided to the collection agency after requesting validation of debt, I contacted this creditor several time including XXXX to request for them to stop calling my office and my family and friends, After speaking with one of the financial complaint officers After scream at me and using offensive language, he advised that he's only job was to make sure this debt was collected and he did not have any time to resolve or canceled or clarify this error. requested original signatures validation of debts and this documentation was never provided to me. 

On XXXX XXXX XXXX was contacted at XXXX by this collection agency demanding and requesting my personal and new home address and telephone number, when the collector was asked about my debts the information was provided without my authorization. I contacted FCO and they continue to treat me over the phone like they did not have record of me contacting them.. 

I submitted proof and all necessary documentation releasing me from this collection account credit B removed this collection twice from my report after investigation was initiated, and they continue with harrasing me over the phone. 

I have communicated to this collection agency that I have file a complaint and they respond was, ( EVERYONE CAN FILE A COMPLAINT WE DON'T CARE BECAUSE THIS AGENCIES NEVER RESPOND )

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 2020-05-16
Company: Direct Capital
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/20 Identified himself as XXXX XXXX Fraud & litigation division a XXXX XXXX XXXX. Processing a claim against ( quotes a last four of social security number and FULL DOB. ) Suggests person or their attorney calls him back immediately. XXXX XXXX XXXX extension XXXX. Called from a XXXX TN number XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX {$37000.00} ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase has changed their vault setup without notifying their users. 

Coinbase used to allow multiple vaults for the same cryptocurrency. Now they only allow one. I currently have three vaults. I can see my other two vaults and I can transfer bitcoin into them, but there is no way in the interface to access them and transfer bitcoin out of them. This is a bug on Coinbase interface. 

I currently have more than one bitcoin vault, the bitcoins that are in my other vaults are now frozen stuck. 

When I go to the vault to withdraw, there is no drop-down to choose my other vaults. It defaults to one vault. It will let me transfer bitcoin into the other vaults that are inaccessible, but I can not withdraw bitcoin from those vaults. 

I have created a case on XXXX Several attempts to speak to someone. I created a claim, no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-11-28
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items 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 items in my file : XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX  XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022

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 2021-03-13
Company: XOOM CORPORATION
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I was charged 3 fraudulent transfers from my checking account to Xoom. 

I was then charged 80-100 fraudulent charges from my XXXX through my credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13
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 have contacted equifax via phone, online as well as mail asking them to verify 2 accounts on my report. I have asked for method of verification. I have also asked for a contract or anything that states this account is mines. They only respond with account is verified but has yet to send me anything. I have not received any information on these 2 accounts any information when it initially went on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Block, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Over the course of about 2 months I was involved in a scam through cashapp in which I lost {$5000.00}. I made multiple attempts to reach out to cashapp regarding my situation and received no replies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THESE ARE THE ACCOUNTS THAT IS ON MY CREDIT REPORT 1.PORTFOLIO RECOV ASSOC AMOUNT XXXX XXXX DATE OPENED XXXX 2.XXXX XXXX  XXXX  AMOUNT XXXX XXXX DATE OPENED XXXX 3.XXXX XXXX   XXXX  AMOUNT : {$2000.00} DATE OPENED XXXX 4.XXXX XXXX XXXX   XXXX XXXX AMOUNT : $ XXXX DATE OPENED XXXX INQUIRES XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-11-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX for XXXX, XXXX XXXX  for 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. 
Transcript Follow along using the transcript.

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 2019-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX. put a Judgment # XXXX on me. I don't have any written or verbal contract with them, they never validate the Debt.XXXX XXXX   XXXX XXXX XXXX, XXXX.are the original creditor and they violating Fair Debt Collection Act. Debt already been forgiven/paid internally. Original Bank for the credit card Debt never filed 1099 A or 1099 C to IRS so Debt been write off by the original Bank. Debt is been too old and there's no activity on that account for over 10 years. XXXX XXXX XXXX XXXX XXXX, XXXX. act is completely illegal and has to stop and investigated by AG NJ office. XXXX XXXX XXXX XXXX XXXX, XXXX. is in serious violation of XXXX Rights and Common law and FDCPA violations.Alleged Debt is not owed any more because it passed age of limitation.

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 2023-07-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is in violation of the following : 15 U.S. Code Section 1681b - permissible purposes 15 U.S. Code Section 1681c - information contained in consumer reports 12 CFR Section 1022.3 - Identity Theft

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 2019-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion failed to verify the accuracy of XXXX XXXX XXXX. This is damaging my reputation and creditworthiness. Please remove the late status from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved

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 2019-07-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I could not believe they did a full investigation on the account because it is incorrect.. Equifax keep on saying that XXXX XXXX XXXX is a charge off, they were paid off and was not late..CFPB step up and remove the account asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern ; The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

Made by your company XXXX on XXXX. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 

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 explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: IN
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 A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. THANK YOU.

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