BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
other reports show XXXX balance, closed ... ..TransUnion update pending for months, please correct immediately 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 explanation
Consumer complaint received 2021-01-07
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Atlanticus Services Corporation
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
storage was broken into in XXXX XXXX  NC filed a police report in XX/XX/XXXX XXXX credit card was opened in XXXX with XXXX XXXX called and closed Credit line was XXXX and it was fraud checked the XXXX account and 1 XXXX XXXX XXXX inquiry was done on XX/XX/XXXX a XXXX fortiva card was openend XX/XX/XXXX with a XXXX XXXX  card has been charged on already balance XXXXXXXX XXXX XXXXXXXX card opened in XXXX with a {$300.00} limit balance on that card is XXXX XXXX There is also a alias on my credit ( XXXX XXXX XXXX ) address reporting as fraud to the cards are XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Coinbase, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase letter To Whom This May Concern, Last XXXX, Coinbase, in basic terms, stole money from my account by not allowing me to execute a sale of one of my investments which lead to around {$65000.00} being taken from my account within an instant. I have done many trades and transactions with Coinbase over the years but have never run into an issue like this. Ill give a summary of what happened first then get into more detail after. The coin I was trying to sell at a locked in price would not go through their system. I had notice that people were selling the coin as it had been popular at the time and so I tried to sell it and keep my profit, however their system must have been malfunctioning because as I went to sell it would not let me. I kept trying and trying and the price kept falling as the minutes ticked by but Coinbase would not let me sell. Eventually it dropped to a price so low and the sale was actually forced through by Coinbase, causing me to lose the amount stated. I have screenshots of this that prove it and have talked to Coinbase many times over many hours where they have admitted on record to seeing the problem but they never are allowed to let me speak to someone ahead of them like a higher up. Instead they always say Coinbase will get back with you and within minutes, without fail Coinbase dismisses my case. Despite all the evidence I have and their admissions to seeing the problem. 

The original intended sell was of XXXX of XXXXXXXX XXXX eventually went through on face value but in reality just sat in my account despite saying it successfully went through with no error codes. On XX/XX/XXXX at XXXX I sold XXXX XXXX and it shows " Completed '' with all of the information that goes with a completed sale, EXCEPT I later found out that it wasn't completed for some reason, due to your system ( Not my fault, nor my responsibility ). After discovering Coinbase 's mistake I kept trying to sell the XXXX XXXX while it continued to fall in value resulting in a loss of profit in excess of {$65000.00}. Should I not trust when Coinbase says an order has " Completed '' that it actually has completed? 

When I see an order is completed I feel I should be able to close my computer, go on a XXXX vacation and rely that the order actually completed. 

This is a very concise letter explaining everything but I can go into far greater depths than this in explaining what happened. I have reached out to a representative of the FTC and he told me that this is a common occurance and to reach out on here for a resolution. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-26
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I kept getting notices in the mail for an unpaid invoice of XXXX & After i went to the company they explained that an amount of XXXX $ I owed after using store credit based on a bundle of stuff i bought, and then returned, so i paid XXXX $ and added the XXXX $ to their credit card ( synchrony ) since i have an account with them, after multiple visits to the showroom the re assured me that i wont get any more notices. today i get in the mail a noticr from a debt collector!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: AR
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 writing to formally register a complaint concerning the persistent inaccuracies present on my credit report with Credit Bureaus. Despite multiple attempts to rectify these inaccuracies, the requested corrections have not been made, and this has had a detrimental impact on my financial well-being and creditworthiness. 

I first identified these discrepancies on my credit report, and since then, I have made repeated attempts to have them corrected. I have communicated with your agency on the following dates and each time I was assured that the necessary actions would be taken to rectify these inaccuracies. However, despite my efforts, the inaccuracies remain unresolved. 

To support my complaint, I have attached copies of the following documents : Copies of my credit reports, clearly indicating the inaccurate items. 
Any correspondence exchanged with your agency, including reference numbers or case IDs. 
Any other relevant documentation, such as dispute letters or proof of payments, if applicable. 
I insist on a thorough and immediate investigation into these inaccuracies and request that your agency takes prompt action to correct my credit report. These inaccuracies have adversely affected my ability to secure credit, employment, and other financial opportunities, and I expect them to be rectified without further delay. 

Furthermore, I kindly request a written confirmation of the actions taken to resolve this matter and updates on the progress of the investigation. Please assist me to remove the following inaccurate items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: PR
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-11-04
Company: EQUIFAX, INC.
State: CA
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: KY
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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX collection has violated my rights.This account is inaccurate and needs to be deleted off my credit report. The last active XX/XX/XXXX date does not match last reported date XX/XX/XXXX XXXX account # XXXX has violated my rights. This account is inaccurate and needs to be deleted from my account. The last active date XX/XX/XXXX does not match last reporting date XX/XX/XXXX. A collection account can not report as open account. 

XXXX Account XXXX XXXX has violated my rights. This account is inaccurate and needs to be deleted from my credit report. The date of last payment XX/XX/XXXX is 3 months different than date of last active date on account XXXXALSO SHOWS WRONG ACCOUNT NUMBER XXXX XXXX XXXX XXXX account XXXX XXXX has violated my rights. This account is inaccurate and needs to be deleted from my account. It shows no monthly payment no past due balance no date of last payment. 

XXXX XXXX account # XXXX has violated my rights.This account is inaccurate and needs to be deleted. The account number is inaccurate on report # XXXX shows no past due amount. 

XXXX XXXX account # XXXX has violated my rights. This account is inaccurate and needs to be deleted from my account. No date of last payment or past due reported. 

XXXX XXXX XXXX account # XXXX has violated my rights. This account is inaccurate and needs to be deleted from my credit report. The date has no last payment or past due. 

The following addresses are inaccurate and need to be deleted from my credit report 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 XXXXXXXX The following inquiries has violated my rights and are inaccurate. Needs to be deleted from credit report : XXXX XXXX XXXX 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 1681 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Have received 2 letters from Harris & Harris regarding debt that is not mine.

Debt is for ambulance service rendered at an address which is not mine nor have I requested ambulance service. 
My home address is in the jurisdiction of XXXX XXXX XXXX XXXX. 
My address is not serviced by the XXXX XXXX XXXX XXXX XXXX. 
My address is serviced by the XXXX XXXX XXXX XXXX XXXX, the two agencies are not the same. 
The information I received from the XXXX XXXX XXXX service is the patient for who the bill is for lives at XXXX XXXX XXXX XXXX. 
I live at XXXX XXXX XXXX How is Harris and Harris allowed to pick a name out of a hat and just send them a bill which is not theirs requesting payment.? 
Harris and Harris uses two different reference Numbers XXXX Account number XXXX I am reporting this company for fraud. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I went to a seminar and thought I purchased a time share, I later realized what I had was a membership, not real estate. Even though the contract says membership, I was confused because of what the sales rep said, escrow is ownership. I went back to the office of XXXX ( XXXX XXXX XXXX XXXX ) in XXXX, CA. and saw one of the salesman who signed me up in the parking lot. I explained to him that I was confused with all the high pressure tag teaming, switching to managers and everybody shouting when new people signed up. He told me its basically impossible to get out of the loan and I should look into using the service. After, trying to book reservations on more than one occasion, I gave up. They said there would be no problem booking or getting reservations, that was not true. They promised FREE trip incentives that are impossible to book AND end up costing money if it is even available. They lied about the incentives to sweeten their deception. I have never used their services and I put my savings of {$1200.00} down. I was then and still am on social security XXXX so I dont have money to throw away to a company who was not truthful. XXXX XXXX XXXX XXXX has put {$7200.00} on my credit and now Monterey Financial Services is trying to collect. I called XXXX XXXX at Monterrey to get the agreement so I could later explain my complaint but he went straight in saying they are going to take legal action against me. The tactics they used were deceptive and misleading. Please help me resolve this issue as I a trying to get permanent housing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had a online bank account with chime and on XX/XX/XXXX I had an unauthorized transaction on my account for XXXX dollars and I disputed it with them and filed a police report sent them a copy they denied my dispute so again in XXXX I had another unauthorized dispute for another XXXX dollars I followed same procedure with Chime and again they denied my dispute when I called asking for reason customer service person hung up on me I'm XXXX and can't afford to throw away XXXX dollars.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HUNTER WARFIELD at XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX or ( XXXX ) XXXX Account number XXXX {$2400.00} This Company has been falsely reporting to my consumer report since XX/XX/2020 With out my permission or written consent. Ive spoken to the original account holder XXXX XXXX XXXX XXXX. Who told me this account was considered a loss and closed out with a XXXX balance I nor the person using XXXX XXXX name on the original account owes this debt. Yet this company who can not provide me with documentation with an original contract saying that I owe them Hunter Warfield and not another companys name. The debt is not owed by me or any one else for that matter and it was closed and settled with a XXXX  dollar balance this Company bought a debt that was already written off and was attempting to collect from me illegally. I have never conducted business with HUNTER WARFIELD They are violating my rights and defaming my character. Refusing to remove it is willful non compliance with FCRA LAWS. Ive been dealing with this for a while. I want this account removed immediately from credit report. I have filed with my state attorney general and the fair trade commission on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: CITIBANK, N.A.
State: IL
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:
I spoke to Best Buy Credit Cards department on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to ask if they could please restore my credit limit to what Ive had for over 2 years as I had not had a history of any late payments during the life of that account up until XX/XX/XXXX which was a Sunday on a holiday weekend and I had honestly forgotten that I had a payment due. They immediate penalized me by severely reducing my credit limit the very next day and slammed me with interest and late fees. Theyve refused to reconsider to restore my credit limit despite my clean payment history with them and my plead for them to reconsider. I understand Citibank is the issuing bank for their credit cards, I especially find it appalling that Citibank has such a predatory and punitive policy towards their customers despite Citibank having been bailed out with taxpayer dollars during the XXXX recession.

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 monetary relief
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: TX
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:
ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION.

( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, XXXX, AND EXPERIAN. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE.

ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES.

UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION.

ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. 
XXXX, XXXX, EXPERIAN, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : 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 FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, XXXX, EXPERIAN, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE.

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 2023-10-06
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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 FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation