BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-26
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with 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 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.SC 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 2020-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from 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 2018-10-11
Company: EQUIFAX, INC.
State: GA
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:
Previously I filed an complaint under with CFPB # : XXXX, that claimed the credit reporting agency Equifax XXXX XXXX XXXX, was inaccurately reporting that due to length of time accounts have been established ; Too many inquiries within the last 12 months ; too many accounts with balances and amount owed on revolving account was too high, after apply for an extension of existing credit with XXXX XXXX XXXX XXXX under : XXXX XXXX, # XXXX, and was denied.XXXX in their response, asked for a more detail description of my claim. Therein, I only have applied and authorized one account under the above person, that is, XXXX XXXX XXXX XXXX. Any other accounts, should not be listed or maintained under the above mention, as such would be un-authorized. 

I challenge the accuracy, compliance and reportability of this listing. I asked them to please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under # XXXX. 
I do not consent to XXXX or any means of automated verification. I do not waive any claim or defenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: WELLS FARGO & COMPANY
State: NJ
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:
I noticed that {$8.00} have been constantly removed from my account for a long time over 6months. Initially I thought it was my children using my card with my permission to purchase games with XXXX XXXX I noticed a {$53.00} debited and I didn't authorize that neither did my children purchase anything. 
I called wellsfargo immediately and they shut down the card and not too long I saw they credited my account from XXXX to XX/XX/XXXX to Approximately XXXX plus. 
Then with new card they sent which I never activated, I saw a debit for {$8.00} for XXXX whilst I activated the card on XXXX. 
I called the back XX/XX/XXXX and complained how was that possible and I was told by XXXX that XXXX has the digital number and they approved it and I asked how was that possible that I thought once a card has been termed fraudulent by the bank everything is deactivated and she said she can only explain in general terms for me and that by the way ; the provisional approvals on the past claims for the same issues that I made was declined and they removed the credits that was issued before. I was shocked and said I was never notified on anything. She said it will come in 9 to 10 business days. She transferred me to a fraud specialist and I explained what XXXX told me and the specialist XXXX said that XXXX has the jurisdiction WITH VISA TO BYPASS ANY HOLD AS LONG AS THEY TELL THE COMPANY THAT THIS IS THEIR REGULAR CLIENT AND THE COMPANY VISA WILL APPROVE. which was why I was still charged despite it was not active. I asked the agent that I thought once your card is changed that it Is the customer that notifies and updates her new card number. Herself. That this is another new information I was so frustrated that when she said she was shutting down my card again i asked her why because if XXXX can bypass the blockage the charges are forever going to be occurring and she said I should call XXXX and cancel the subscription. I have been calling XXXX and the last person asked me what subscription and I said I did not know. She transferred me to a department that ought to help and i was waiting for 1.30mins and none came on. I had to end the call. I recieved a letter from wellsfargo on sat the XXXX of XX/XX/XXXX stating the reason for the decline was and I quote'Our investigations shows that the transactions is consistent with the way you've used one or more of your wells Fargo accounts in the past. Based on this we've determined that the transactions is valid. 
See, if a card that has not been activated by me is used why wont it be consistent. 
Please help me. 
Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: WELLS FARGO & COMPANY
State: VT
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:
On XX/XX/2023 I settled a charged off account with Wells Fargo. The balance was {$880.00} and Wells Fargo agreed to settle the account in full for {$220.00}. On XX/XX/2023 Wells Fargo reported to the credit bureaus that a payment had been made on the account but said the account was a charge off that still had a balance of {$660.00} - when they should have reported a balance of {$0.00} as the account was settled in full I spoke to Wells Fargo today and they sent me documentation that the account was settled in full but refused to update the credit report accordingly Wells Fargo case # 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 2022-10-03
Company: Genesis FS Card Services, 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:
Cb Indigo is reporting inaccurate information on my credit report on all XXXX bureaus. They are reporting the last day active different on each bureau and reporting the account late XXXX and XXXX of 2019 at the same time. They are not reporting accurate according to the fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hi We made account on coinbase in XXXX They conducted an initial verification. We passed and purchased ethereum. 
Now when the crypto currencies gained value again. We tried to sell. But they put the account on hold for " Review '' Been 45 days. 
4 attempts to make contact using their given contact info.

Case # XXXX - I want to close my account XX/XX/XXXX, XXXX XXXX XXXX # XXXX - my account has been in verification stage for a month now!!! 
XX/XX/XXXX, XXXX XXXX  Case # XXXX - I want to close my account XX/XX/XXXX, XXXX XXXX Case # XXXX - My account has been in review status for 7+ days XX/XX/XXXX, XXXX XXXX As per their rules and regulations XXXX XXXX XXXX Section 8 They haven't responded in 15 days. 

Crypto currency being volatile We have lost a mass $ XXXX To date the company has not responded or made any contact.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 ( Account # XXXX ), XXXX XXXX ( Account # XXXX ), and XXXX XXXX ( Account # XXXX ) has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without 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 2020-10-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a credit card with XXXX XXXX XXXX XXXX. I paid off the complete balance in early XXXX with a remaining balance of {$10.00} as advised. After 30 days, Equifax still showed THE HIGH balance. I submitted a dispute on 4 separate occasions. Equifax responded 4 different times and said that it was resolved. There was no change to the report or my score, because of the delay in updating my report ( XXXX and XXXX updated their info ) we were denied credit for a mortgage to build a home. Additionally, because this process of getting an update credit score by Equifax was delayed the seller increased the price by {$500.00}!!! and will keep increasing it every month. I checked Equifax this morning and STILL NO UPDATE!!! WE ARE GOING TO NOT ONLY LOSE OUR DEPOSIT BUT ALSO HAVE INCREASED THE SALES PRICE OF THE LAND. All of this because Equifax refused to do it's job and report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, 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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 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 non-monetary relief
Consumer complaint received 2020-10-05
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to you due to a big issue that I am going through with Comenity Bank and really need your help. I have been affected enormously in my personal life and have lost a huge opportunity because of this situation. 

I have a XXXX XXXX, recently switched from XXXX XXXX XXXX  and got taken over by Comenity. I was getting mail statements from XXXX XXXX didnt and receive any comenity statement. I was not aware of what was going on with my statements, I was quarantined DUE XXXX and did not receive any NOTIFICATION from none of the companies that I was being switched. 

What I need is to get the late payments reported on XX/XX/2020 and XX/XX/2020 corrected or the entire tradeline removed from my report. 

I didnt know it had switched. Didnt get any notices of late payment insertion, which is a violation under the FCRA. 

Account Info : Account # XXXX Date Opened, XXXX XXXX Account Limit : {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Not sure what stage the transfer of deed is in XXXX. around {$72000.00} Freedom mortgage is my mortgage company and with the Covid crisis they gave me a forbearance. While in the Covid crisis I sustained a pretty serious work accident and was placed on XXXX XXXX. I am formed Freedom Morgage of me being put on worker 's comp short term disability. To later find out the options they were providing were worse than what I had prior to. I was forced to file XXXX  XXXX bankruptcy where I found out there was a lien put on the house. Rather than Freedom Mortgage trying to help me by maybe giving me a second mortgage, so I could at least refinance but instead they did not properly inform me that I was selling a portion of my mortgage to some company.

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 2021-04-05
Company: R & B Corporation of Virginia
State: VA
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 wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to XXXX  and XXXX  regarding an account being reported by CREDIT CONTROL CORP ( Original Creditor : XXXX XXXX XXXX XXXX. 

The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX responded that the account was unable to be verified and deleted it from my credit report but XXXX and XXXX  failed respond to any of my complaints and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. to this day the information is still being reported inaccurate and false information is being reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My dispute is with Honda Financial Services. Account Information : Account # XXXX XXXX XXXX   VIN:XXXX XXXX In XXXX of this year, we moved from XXXX XXXX XXXX. to XXXX XXXX XXXX XXXX MA, XXXX. 

I called and reported my move to Honda Financial Services in late XXXX. By the time I called and a bill had been resent, the account was overdue. 

I received a call from collections sometime in XXXX/XXXX  about the delinquency of the account. Collections requested a payment over the phone. I explained that I was not going to give my credit card information out to anyone over the phone, that I had moved and to please send me a bill and I would pay immediately. 

While no bill had come in the preceding week, I took it upon myself to create an account with Honda financial services and paid over the internet. I have had the lease for 3 years and have never paid late. 

This delinquency caused my credit to drop significantly. 

So i called Honda and explained the case. They said that bc collections called me then they were absolved from any dispute. I explained that I pleaded with collections to send a bill immediately but no bill was sent. That the forwarded mail as well as the XXXX/XXXX   statement arrived yet the account was already overdue. 

Collections for Honda does not send account statements out and I was uncomfortable making a payment over the phone. They believe that just bc collections called me and I answered then I was responsible for the bill as well as reporting to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I'm sending this letter in attempt to REMOVE some erroneous and incorrect items from my credit report, before I seek remedy. First of all, I would like to mention Public Policy HJR of 1933 a.k.a Public Law 73-10 which suspended the GOLD Standard and exempted US citizens from paying debts, so the provisions of this remedy considered all debts PAST, PRESENT, and FUTURE PREPAID. I would also like to assert the true fact that I AM A CREDITOR, and according to 12 U.S.C 83, No national bank shall make any loan or discount on the security of the shares of its own capital stock. In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
ACCOUNT NAMEXXXX XXXXXXXX ACCOUNT XXXX XXXX DATE OPENED- XX/XX/XXXX ACCOUNT NAME- XXXX XXXX  ACCOUNT NUMBER- XXXX XXXX OPENED- XX/XX/XXXX ACCOUNT NAME- XXXX XXXX XXXX  ACCOUNT NUMBER- XXXX DATE XXXX ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT NUMBER- XXXX DATE OPENED- XX/XX/XXXX ACCOUNT NAME- XXXXXXXX XXXX  ACCOUNT XXXX XXXX XXXX OPENED- XX/XX/XXXX ACCOUNT NAME- XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER- XXXX DATE OPENED- XX/XX/XXXX 15 U.S.C 1681 Section 602 A. states that I have a right to privacy. 15 U.S.C 1681 Section 604 A. also states that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states that NO consumer reporting agency may make any following items of information any adverse items 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 ) ( I ) states A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I DEMAND these be removed IMMEDIATELY. Also according to 18 USC 1028A if I did NOT give XXXX, EXQUIFAX, and XXXX, written consent to furnish this information, that would indeed be identity theft.Pursuant to 15 U.S.C. 1692k any debt collector that fails to comply with any provision of this sub chapter with respect to ANY person is liable to DAMAGES. that I am I have listed the accounts above, and I DEMAND each and EVERY ACCOUNT AFOREMENTIONED ABOVE BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 {$1900.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-06-27
Company: EQUIFAX, 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:
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,15 U.S. Code 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev next ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonab e cause to believe that the information is inaccurate. 
( B ) Reporting information after

Company response to consumer: Closed with non-monetary relief