BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-24
Company: Experian Information Solutions Inc.
State: OH
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 do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX I had some issues with my income being affected by the COVID-19PANDEMICSHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX XXXX XXXX account is reporting 30, DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

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 2020-03-23
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
Customers who pay for unlimited mobile data have a right to expect to get ... Then when I try to call I'm told I have very little time or a XXXX balance. ... I was a costumer with XXXX XXXX XXXX and out of 12 Billing Cicely 11 where wrong. 

XXXX  trade in XXXX XXXX incorrectly charged 2,000 customers for exceeding data cap btw that was from FTC i filed also

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have a right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: UT
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:
XXXX AND EQUIFAX, AS WELL AS XXXX CONSUMER CREDIT REPORTING BUREAU, ARE REPORTING FRAUDULENT INACCURATE ACCOUNTS IN MY GOOD NAME, I HAVE DISPUTED THIS INFORMATION DIRECTLY WITH THEM BUT THERE HAS NOT BEEN A RESPONSE AS OF YET.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Collection Bureau of America Ltd.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The nature of the problem is that I made a cash and check deposit yesterday, ( see images ), and the check for {$30.00} cleared into another account. The other account is really my real account with Bank of America, account ending in XXXX. So, I'm currently placing cash, and other transactions on either a closed account or somebody else 's. Purhaps just a fictitious fraudulent account that does not allow me to view " any '' of my cash or check deposits.. In the past, I could see all my deposits, not now. I'm totally being blocked from my real account thar I opened with BoA Employee XXXX XXXX at XXXX, FL on XX/XX/2022. 

The {$30.00} has not been placed into this account I have access to. I was never informed about any of this being done to me. Now I understand why I never received the {$6000.00} disbursement last month from the XXXX XXXXXXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am writing to complain about my credit being ran following providing all the information requested from Discover Financial. They said I did not provide everything required but I did and did so on a follow up in a timely manner. When I followed up with Discover they indicated that the archived request would require another application for a change and their supervisor available said they understood why another complaint should be issued. Her name is XXXX and available XXXX XXXX XXXX XXXX. I feel I am being descriminated against for being XXXX or living an area they do not want to lend to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  is using a stall and computer generated response to contuine to violate my rights. I included my SSN and ID in the last CFPB complaint. but they are saying they dont recognize who I am yet they can report negative items on my account ... .. 


these agencies are in Violation of The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report.

These agencies is also in violation of 15 U.S.C. 1692g. You were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do NOT validate this debt.

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 2021-02-08
Company: DISCOVER BANK
State: VA
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:
I have contacted Discover Card throughout the entirety of the covid pandemic asking for help and attempting to keep my account with them current. Unfortunately, Discover  has been of no help and instead has charged me for late fees and increased the interest on my account while I deal with the financial and health stresses of Covid. It came to a head recently when they told me that they were federally regulated to not offer help to a customer more than twice during a 5 year period. I called the CFPB who told me that was not true. I went back to Discover and asked them why they would lie to me rather than attempt to assist a customer trying to stay afloat and they admitted that they were not telling the truth but offered no assistance. I simply don't now know where to go except the CFPB. They are threatening to raise my minimum payment. I repeat, RAISE my payment when I was asking them for a reduction in interest and for them to waive the early {$200.00} in late payment fees. I am behind due to Covid. I freely admit that I wish I could pay this bill in full and had never gotten behind. But my husband and I are devastated financially due to covid and fell behind even further while caring for loved ones during the pandemic. I can not understand why a company would resort to mendacity rather than caring at a time like this. I have all of this documented and now must take the step of hoping the CFPB can " make '' Discover not lie and do the decent thing moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I got a call from Credence Resource Management ( debt collector agency ) a supervisor name XXXX XXXX said i owe XXXX XXXX XXXX {$1000.00} from my address in XXXX XXXX, XXXX XXXX, CA back in XXXX which I dont reside anymore. I left that apartment I believe end of XXXX or beginning of XXXX. I reside now in XXXX, CA since XXXX. XXXX XXXX XXXX account # XXXX was given. I dont owe anything with XXXX XXXX XXXX  and have been a loyal customer, whom pays her bill on time for a long time. The agencys number is XXXX. I just saw right now that I made the same incident report from a different collector company a year ago, an agency named XXXX that I owe the same amount. That agency stopped contacting me. This credence resource is a new agency. I called XXXX XXXX XXXX in regards with this and filed another report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28
Company: Tower Loan of Mississippi, 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:
On XX/XX/2022, I sent TOWER LOAN a certified mail letter, informing the company that they are unlawfully reporting an unauthorized inquiry on my consumer report without my permission in which I have yet to receive a response. 
TOWER LOAN is in violation of my rights as a Federally Protected Consumer

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 2022-03-28
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I have also filed this following report to FTC and have a case number XXXX I bought ethereum coins from Coinbase in XXXX. I was notified by email end of XX/XX/XXXX by Coinbase that I could not get into my account. My account was frozen several times and I called the company and each time spoke to different people who informed me I had to wait until I received an email to start the recovery process to get into my account. It took till XXXX XXXX when i got into my account and retrieved much of the coins and money there and left XXXX ethereum coins in that account as I wanted to wait for the market to improve so I would not lose the money I initially put in.That same day on XXXX that thieves got into my account again and coinbase sent me an email asking me to allow or cancel a transaction to go thru. It was shortly after I had taken out most of my money. I hit the cancel button and it was then that coinbase ignored my cancel transaction and allowed the thieves to take my money out. Now, coinbase tells me that not only dont I have my ehtereum coins in there but that I owe them money. Coinbase owes me money and I repeatedly tell them that. Coinbase had no right to allow the transactions to go thru as I hit the cancel button. Each time I called Coinbase I spoke with different people and made notes of their names, time I spoke with them and date. I told this to Coinbase via email but they ignore what I wrote. The coins were stolen from my account and I want it back. I need help. 
I need help in retrieving my account. 



.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 AcXXXX XXXX XXXX XXXX XXXX Account # 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.2 ) also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-04-24
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 follow-up 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 items 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 alleged fraud or extortion. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: CBC Companies, Inc.
State: IL
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:
My Innovis Consumer Report is showing a negative account with XXXX XXXXXXXX XXXX account # XXXX, where the date of the 1st Delinquency or 30 days late is not being reported. It is missing and this makes the account incomplete. 

On or about XX/XX/XXXX, I sent a letter to Innovis Consumer Reporting Agency requesting to investigate and provide this information. ( See attached document ) On or about XX/XX/XXXX Innovis responded : " The disputed information was verified as accurate '' ( See attached ) However, the missing information wasn't provided and is still missing. How can the missing information be accurate as being missing? It simply does not make any sense. 

Can you please direct Innovis to provide me the date of the 1st Delinquency and to include it in my report? If they are unable to provide me, please direct them to delete this item from my report. 

Thank you p.s. ANY RESPONSE REGARDING THIS BCOMPLAINT SHALL BE LIMITED TO THE PROBLEM STATED ABOVE AND MAY NOT EXTEND TO MATTERS WHICH THIS COMPLAINT DOES NOT INVOLVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Since XX/XX/2023 I have been trying to redeem my rewards points and log in to my account online to make payments, view statements and redeem rewards points that I earned per the service agreement with the XXXX XXXX XXXX XXXX Credit Card. I have called numerous times and have spoken with multiple agents and supervisors who indicated I would be able to log in and redeem points on XX/XX/2023. I still can not log in and still can not redeem my rewards points. I make my payments on time and am charged interest per the card agreement but my rewards are not being made available to me per the same agreement. I have tried to work the the credit card company to simply apply the rewards to my card balance and they will not. The credit card company is telling me that the issue is a cyber attack on them yet when you call their phone number XXXX, or receive an email from them they tell you to log into their website. If the site was victim to a cyber attack why are they advertising to log into the site. I simply want to redeem my points and get access to my card usage and statements so I can close this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01
Company: Credit Karma, LLC
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my tax return in the amount of {$5800.00} was deposited into my credit karma money spend account. The same day my account was lock and I was told it was under review. I have contacted them multiple times a day since without any help. I just am being told it is handled by a higher team and to wait. Law states a banking institution can not hold you funds for more than 7 days without reason. I have read online this has happened to others. I don't want a check to be sent to me which apparently never arrives I just want to pay my rent and have access to my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: AZ
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 still is not reporting correctly to experian. Account is paid in full. They are reporting negatively on my report for over almost a year. Never updated anything. I believe experian is not investigating at all. All they have to do is call XXXX XXXX like I did and get the facts correctly. XXXX XXXX already said to me that they will get it reported correctly, but experian is lying to federal agency and myself and most likely others across America for centuries. This behavior needs to end now.

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 2018-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I recently received a new copy of my credit report and I noticed an account was still reporting in my name that I have disputed as fraudulent or belonging to someone with a similar name. I had no knowledge of this debt yet " XXXX XXXX ''. has continue to report it to my credit file. I had sent a certified letter to them and " XXXX XXXX XXXX '' ( The original creditor ) asking for " DEBT VALIDATION '' and I never received a response back. I believe this account is fraudulent or belongs to someone else with a similar name. This debt is not mine and I've tried every option I could think of to fix this erroneous reporting of this account to my credit file.

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 2019-08-02
Company: Experian Information Solutions Inc.
State: OH
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:
My name is XXXX XXXX XXXX my DOB XXXX my SS XXXX, I have some unknown addresses and accounts that are on my credit report. I have never done business with XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, I was told to file a report with the FTC and XXXX police for this 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 non-monetary relief