BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-18
Company: Experian Information Solutions Inc.
State: NY
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:
B

ack in XX/XX/XXXX, I sent Experian a dispute challenge letter. In reference to account : ( XXXX XXXX XXXX ) I've asked the company to delete this account for the following reasons : as of today XX/XX/XXXX, Experian still reports this account as verified and updated, which is inaccurate and a violation. : Balance currently being reported is inaccurate and a violation ; account must be deleted. : Last date of activity currently not being reported or reporting inaccurately ; a violation : account must be removed. : Last date of payment was made in XX/XX/XXXX of which my bank payment reflects, while Experian report shows last payment made was in XX/XX/XXXX. this is inaccurate reporting, account must be deleted and is in violation.

: Account does not report date account was closed or charged off. This is inaccurate reporting and violation, account must be deleted immediately. 

: Account continues to report multiple charge-off or negative after account has been closed or charged-off. an inaccurate reporting and a violation, account must be deleted.

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 2023-09-21
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-01-08
Company: Comerica
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I use the Direct Express app the orange one which is direct x popped up in 2019 so now I have to use the orange Direct Express app instead of the green one. Ok someone is making my debit cards my insurance card they are steal my retirement pay and my XXXX benefits. They are informants and friends of theirs doing this. They also XXXX  my XXXX XXXX picture to every state and foreign country that I am a Federal Informant all done by the hand of XXXX XXXX. Please help me I am not an informant he has a lot of foreigners following me around everywhere. My phone is being relayed they fake my calls to Homeland Security because they are alerting my home security videos of my apartment me and my son and of them breaking in pretending to be us in the videos. They faked my calls to the Attorney General because these are informants that XXXX XXXX XXXX and XXXX XXXX is paying to do so. They have my entire apartment complex helping them carry out these fraudulent deeds. They have so many people impersonating me its insane. They are passing out all my personal information to whoever want it. I have proof on my XXXX pages checks the links. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please help me because me and my sons life is in danger behind this. They are steady passing my pictures around XXXX as well as other states. They are the informants and is mad because I have a protective order in place. They are XXXX XXXX  and its being hidden because they are informants and they are mad because I found out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2018-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Ive reached out to all three ( TransUnion, XXXX, XXXX  ) credit bureaus containing to fraudulent inquiries on my credit report. Ive sent them all documents theyve asked for in the last four months and still nothing has been done to resolve this matter.

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 2023-11-08
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
home depot access my credit file without my consent and used my non publlic infomation and took adverse action against me, based on this information they lowered my credit limit and i had good standing with them

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 2023-11-09
Company: Experian Information Solutions Inc.
State: TX
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:
I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an accounts opening date on my credit report with Experian And XXXX Credit Bureaus. The incorrect accounts opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. Each time, I received a confirmation of the receipt of my dispute but saw no concrete action to rectify the inaccuracies. I believe that a prompt correction of this late-open account is essential to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported account opening date. Furthermore, I insist on a written response outlining the steps taken, the results of the investigation, and a clear plan for the correction within the legally required timeframe. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the accounts immediately : OFFICE OF THE ATTY XXXX XXXX Balance : {$7500.00} ; ATTYGENERL XXXX Balance : {$7300.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX Card Account # XXXX Canceled {$1900.00} XXXX Account XXXX XXXX Canceled off {$700.00} XXXX XXXX Account # XXXX Canceled off {$710.00} XXXX XXXX Account # XXXX Canceled off {$3500.00} According to 15 USC 1681 s-2 These accounts has been charged off on my credit report and is defined by the IRS as canceled and is a gross income on my tax return. A lender that cancels or forgives a debt of {$600.00} or more is considered taxable income on my income tax return. I am not authorized to pay these charge offs because it is not a disputable debt. The debt has already been forgiven, its already been canceled, and it is now taxable income to me. I am requesting the deletion of this inaccuracy effective immediately or I will file a 3949-A form on these companies.

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 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I have sent several requests regarding late payments that are being reflected on my consumer report and still have not received a response on XXXX I sent a CFPB request claim number XXXX and XXXX requesting PROOF of these so called late payments and stated LAWS that they are BREAKING by reporting INACCURATE information it has been well over XXXX I still have not received proof I DEMAND that ALL LATE PAYMENTS be REMOVED XXXX XXXX XXXX from my credit report and updated to show as positive. Account XXXX department of Education

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 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I have sent request in regards to a account that is not mine that is reporting on my consumer report I have not received a response with proof of the original contract that contains MY Signature and it has been over 30 days i demand for this account to be DELETED off my consumer report immediately account XXXX XXXX  account number 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 2022-04-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXXXXXX 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 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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : XXXXXXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
accordance with the Fair Credit Reporting act 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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:
XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX ( XXXX ) XXXX XX/XX/2023 Dear EQUIFAX, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX XXXX : {$420.00} Account # XXXX Party Owed : XXXX XXXX XXXX : {$2600.00} Account # XXXX Party Owed : XXXX XXXX XXXX XXXX : {$500.00} Account # XXXX Party Owed : XXXX XXXX XXXX XXXX : {$360.00} Account # XXXX Party Owed : XXXX XXXX XXXX  : {$240.00} Account # XXXX Party Owed : XXXX XXXX XXXX Amount : {$500.00} Account # XXXX I am disputing this claim due to : I Have No Knowledge Of This Account. It Is Fraudulent And I Am Requesting That It Be Removed Immediately. 
This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I deposited 1 bitcoin to my coinbase pro exchange account in order to sell a bit and take profit. Upon doing so, I then proceed to withdraw the remaining bitcoin balance I had left back to my personal hardware wallet, the exact amount was XXXX bitcoin, or around {$19000.00} at the time of this writing. The transaction never made it thru, and has in fact been stuck in " Pending '' status for over 3 days now. Withdraws usually take only minutes to be completed and broadcast to the blockchain. I put in this withdraw request on XX/XX/2021 at XXXX CST. 

After waiting hours and it still being in pending status, I reached out to customer support to see what the hold up was. It has been 3 days, and I have been absolutely unable to get any sort of resolution or for that matter make ANY level of progress whatsoever with support. I continue to get generic pre-written canned responses to my email and ticket support requests. I have also attempted reaching out to support via all social media outlets as well, XXXX, XXXX, XXXX, etc, all to no avail. There is no phone number where I can reach a live person to deal with, and this is a decent amount of money we are talking about here. I have screenshots and ticket correspondence with all of their generic canned responses as well if that is needed. I have put in multiple support requests for what should be a very simple to fix issue, but I now feel that I am being totally ignored and given the runaround. All that needs to be done on their end is process the transaction or cancel it so that I may submit it again to regain access to my own funds, however I have been 100 % absolutely unable to reach anyone to help me get this sorted. Its almost as if every single response is just coming from an automated bot that sends me FAQ links and pre-canned responses. 

Multiple tickets put in with no resolution on any of them : XXXX, XXXX, XXXX, XXXX. 

I can provide any and all required info to pursue this and obtain resolution. I only want my funds released so that I may regain control over them again!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Opened the saving A/C on XX/XX/XXXX with Citizens Bank with {$100.00} initial deposits - saving A/C # XXXX, Routing # XXXX, also received the receipt acknowledge by them. 
XXXX XXXX wanted to access a/c to deposit more money, could not log into a/c so called customer service dept. - talked to XXXX. She said do not have any more a/c and Bank has ended the relationship. Then talked to several times to find the reason for closing the a/c and to return my initial deposit of {$100.00}. Finally talked to XXXX on XXXX and she opened the case # XXXX to further investigate. Did not receive any communication, so called again on XXXX and talked to XXXX- she suggested to get the letter from XXXX XXXX XXXX  XXXX On XX/XX/XXXX my bank ( XXXX  ) talked to their staff - XXXX  personally and talked almost 1 hour and 30 mins, but no good solution and said can not help anymore and said can not talk anymore or cant give more info. and hang up. I have tried to log into my a/c several times but no access. They have closed my a/c but not refund the deposit. Please help to recover this amount. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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. These companies have violated my rights : *15 usc 1681 secttion 602A States i have the right to privacy.

*15 usc Section 604a section2 also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ) XXXX BANK XXXX XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX 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 2022-04-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : 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 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 2018-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Capital One Spark Business Billing Disputes Department XXXX XXXX  XXXX XXXX XXXX XXXX, UT, XXXX This letter was the dispute of a charge of {$1900.00} on my Capital One Spark Business Credit Card. The charge is inaccurate and false for several reasons. Most notably, I never received my promised goods delivered from the vendor, XXXX, due to their misleading and vague sales practices. I am requesting you return my funds, reverse this charge and credit my account the aforementioned amount, no more and no less, or I will be forced to take legal action plus report your company to the applicable federal and state trade commissions. 

To summarize : After placing a large order with XXXX XXXX, XXXX was enlisted to ship my purchased goods to my physical address. According to Capital Ones terms and conditions, any purchases made from a seller that are deemed to be misleading in nature, or which fail to provide the agreed upon purchased goods or services, are eligible for cancellation and a return of the funds charged. I was both mislead and never received my purchase, whole or in part. I was first mislead after being told my order was set to be shipped to my physical mailing address where I requested the order be delivered. I have documentation showing the orders intended shipping address as being the aforementioned XXXX XXXX XXXX XXXX. This is only one of many misleading aspects of my purchase and subsequent disputed transaction. Below you will find screenshots of our transaction with XXXX and the way they refused to take our payment, then our canceled payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: MI
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:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 non-monetary relief