BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: Debt Direct Portfolio Management, LLC
State: ND
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I originally called the number XXXX - Acct # XXXX, spoke to an inidividual briefly and then was placed on hold for the next XXXX minutes in which I hung up. I called back, XXXX said it was a chain of which I needed to go through, I did swear, but after XXXX minutes holding and wanting answers, I was supposed to hold again. I have not heard from these people other than this phone call and message left, there has been no written correspondence, only that they were serving me at my work or home tomorrow for a judgement. First notificatoin.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Caine & Weiner is claiming a debt that is not owed, to them nor any other person ( s ). Caine & Weiner is using false and misleading statements in an attempt to collect a debt in direct violation of 15 USC 1692e ( 2 ) ( 8 ), spcifically that XXXX is a creditor, as defined at 15 USC 1692a ( 4 ). Caine & Weiner has continuously and repeatedly attempted contact via the phone at inconvenient times and at my place of business in direct violation of 15 USC 1692c ( a ) ( 1 ) ( 3 ). Caine & Weiner has made contact and withheld their identity and purpose of communication in direct violation of 15 USC 1692d ( 5 ) ( 6 ) which constitutes harassing and abusive communication. Caine & Weiner has continuously reported information affecting my personal and financial reputation and health, specifically alleged debt without proof of a contractual agreement with consumer in direct violation of Federal Rule 1002 and UCC 3-104.Furthermore, I have no contract with Caine & Weiner and never have. Caine & Weiner inaccurate reporting of my personal information is putting me at significant risk of Identity Theft and Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
Bank of America Allegiant MasterCard closed my acct without warning. After I made a large purchase at the grocery store my card was declined. I am not even close to my maximum credit allowed. I called them and they said they send me a letter about my situation and they had not. Today I have received the letter stating that my acct is closed due to my risk profile no longer aligns with the banks risk tolerance. 
It says they can close the account at any time and my reward points will be forfeited. 
I feel this is deceptive and unreasonable because I am not near the maximum credit allowed.

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 2022-12-09
Company: Experian Information Solutions 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:
I called your department after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off, from my personal profile. A copy of my Utility Bill, drivers License, and SS Number are all included in this written request. Please help me resolve this issue as soon as possible. I found that under section 605b ( a ) Experian and XXXX shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 
The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) PLEASE DELETE THE FOLLOWING FRAUDULENT ACCOUNTS : 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 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 2018-12-08
Company: STERLING JEWELERS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have conta

cted Jared on multiple occasions in order to get this erroneous entry removed from my credit report. I have disputed this item various times and I have reached out to Jared 's various times, but the item still remain on my credit file to this day. I have tried to settle this account over the phone and in writing several times directly with Jared 's. I even reached out to the collection agency to dispute, they could not provide proof so they removed the entry from my credit report and referred me back to Jared 's. When I call Jared 's I am told that they can not find the account. ( see attachment ) per FCRA Section 623 ( a ) ( 1 ) ( C ) this account is inaccurate and should be removed. Jared 's is in violation of the following polices : Re aging of debt - prevent r
e-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; - The amounts, and the dates are incorrect. I have asked for verification/validation per FCRA guidelines, over the phone and per email. Each time Jared 's never provided the information, which is in direct violation of FCRA. By law Jared has 30 days to provide this information, or it is to be removed from my credit file. 

Account - XXXX Date opened - XX/XX/XXXX Balance updated - XX/XX/XXXX Credit limit - {$310.00} But it shows a payment was received in XXXX of XXXX. All of this information is not correct. 

I reached out to XXXX XXXX about this situation and it was supposed to be handled, he never got back to me ( see attached email ) Jared 's must furnish only the correct information to the CRA. FCRA 623 ( a ) ( 2 ) ( B ) No dispute status - Once a consumer disputes information, you may not report that information to a CRA without telling the CRA that the information is in dispute. FCRA 623 ( a ) ( 3 ) -  No dispute was raised with any CRA when I disputed these items.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I never gave verbal or written consent to either companies below..all reporting on XX/XX/23 I filled a written dispute with Equifax and no action was taken on their part. 
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 2021-08-02
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 fraud alerts or security freezes

Complaint:
Transunion has locked me out from accessing their credit reporting services on their web site. I have been locked out for over 15 years after Transunion claimed there was a fraudulent attempt to access my credit report. I can not use the Transunion web site to access my own credit report or manage freezes on my credit report. I have spoken to Transunion 's support team on several occasions, most recently on XX/XX/2021, and they offer no process to restore my access. They claim that " laws must change '' before they can restore access to my account. I'm trying to buy a house and I need to lift my credit report freeze in place at Transunion to qualify for a mortgage. Transunion only offers access to a cumbersome phone system for managing credit reports that has limited operating hours, or they ask for requests to be mailed to them. 

Transunion needs to provide a process for consumers to restore access to locked accounts.

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 2021-05-25
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I filed for Chapter XXXX Bankruptcy last year, Case No XXXX. I did not sign the lease assumption agreement with Hyundai for my leased 2020 Hyundai XXXX. Hyundai has stopped reporting my payments since I have not signed the lease assumption agreement which has negatively affected my credit score.

As per 11 USC 524 Violation of Discharge Junction and 15 USC 1681 Violation of Fair Credit Reporting Act, Hyundai is required to report the fair and accurate account status to credit reporting agencies. They claim it is their company policy to not report account that do not sign lease assumption agreements, which is a violation of both of these laws.

My bankruptcy attorney attempted to resolve the issue with Hyundai, through both fax and email but Hyundai has refused to acknowledge receipt of written request, and will refuse to review the account made through telephonic request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/XXXX Coinbase tried to debit my account XXXX for the 2nd time after reaching out and advising I am having an issue with my bank. Coinbase has a misleading statement saying that they will liquidate the cryptocurrency account in order to recover funds. They went ahead and debited my account again. This has caused my bank to charge a {$35.00} overdraft fee, which they can not remove. Coinbase is using deceitful tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Experian Information Solutions Inc.
State: ME
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 keep getting my father 's credit report -- he passed away last XXXX -- we had the same name -- I sent them a letter with a copy of his death certificate and asked them to straighten this out -- it appears they won't do anything without my ss # -- I'm not comfortable giving that out especially to a company that is so inadequate -- also I have tried by phone to get this taken care, I get nothing but the runaround

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 2023-07-19
Company: WELLS FARGO & COMPANY
State: AL
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:
On XXXX. XXXX I was buying a flight ticket from XXXX to XXXX from XXXX for {$690.00}. When I attempted to do the payment their website gave an error stating the sale is not successful. I dont have a proof for this but then I received an email in XXXX  language clearly stating that the sale was failed. The email literally says Please note : Your XXXX - XXXX ticket has not been sold!. 
Then I proceeded to buy another ticket from another merchant for {$820.00}. 
Next day I realized XXXX charged my credit card for a failed transaction. I opened a dispute immediately with Wells Fargo. Today I learned that my dispute was denied. I contacted the bank and theyre saying that the merchant is right. And saying that I was contacted by the merchant to not buy another ticket which is not true at all. After I realized my credit card was charged I contacted the merchant to get my money back and they did not cooperate. Bank says I accepted their terms and conditions which I did but the email I received from the merchant clearly states that the sale was failed and I was deceived into thinking that I didnt get the ticket but they still charged my credit card for a service that I did not receive.

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 2021-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following accounts contain inaccurate information. Please investigate and verify the following 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 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX TransUnion background information is beyond the reasonable time frame for remaining in any reporting of my driving record or other background information. Ive done what is obligated to never see anything appear on my background report XXXX is ridiculously and out right insane to report anything beyond a 10yr mark especially traffic violations and cases of which are incorrectly stated and reflection as the law has it today states it is misinformation there's nothing to expose. Any crime conviction is reduced to lowest level and these are inaccuracies and ancient and should never be allowed to be seen unless by a judge in a trial or courtroom. Please correct these things and no longer should appear in my history of any kind. 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
Consumer complaint received 2023-01-05
Company: Experian Information Solutions 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: Problem with personal statement of dispute

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 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 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.

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 2021-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status NO STATUS. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$410.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$950.00} Status Account charged off. {$950.00} written off. {$950.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4000.00} Status Open. {$490.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Collection account. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4800.00} Status Collection account. {$4800.00} past due as of XX/XX/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 2022-08-13
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 5th 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. Here are the list of items that needs attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7300.00} XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/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 2019-09-20
Company: AMERICAN EXPRESS COMPANY
State: AL
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  is refusing to delete fraudulent inquiries from my credit report. They said that inquiries are a statement of fact, but that doesn't mean that I have given them permission to view my credit so this information is incorrect and should be investigated and deleted. 

I have spoken with the inquirers and they have all stated they put in a request to have the inquiries deleted, but Transunion has done nothing still. 

The inquires are XXXX Inquiry from XX/XX/2019 XXXX Inquiry from XX/XX/2019 American Exp Inquiry from XX/XX/2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: The Bureaus, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My previous complaint # was XXXX My name is XXXX XXXX and I have given this company an Affidavit Of Identity theft and have informed them they are in violation of my rights by listing a fraudulent account with the credit reporting agencies. 

They are not also violating 15 U.S. Code 1692g, as only the consumer can validate a debt. I have informed this company numerous times this account is fraudulent and they continue to violate my rights. I am asking CFPB to violate this company and issue a fine in the amount of {$3000.00} for several violations they continue to commit and I also demand deletion of the fraudulent account. 

Once again, this company has not provided me with a solution to any of my complaints. I do not want a fraudulent bill history sent to me, I want this account deleted now.

Company response to consumer: Closed with explanation