BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
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:
I have recently reviewed my credit report and noticed some unauthorized accounts on my XXXX Report and under 15 USC 1681 a3. You guys assumed this role without permission, not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.

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 2022-07-06
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 filed a dispute with XXXX on XX/XX/XXXX advising that I received a letter from Bank of America, dated XX/XX/XXXX, denying a credit application that was filed under my social security number. I never submitted this request so this means someone used my social security number. I was advised that it will take up to 72 hours to process and up to 30 days to complete the investigation. I received a determination 2 hours after I filed my dispute that the hard inquiry will remain on my credit report. This is outrageous. I also filed a report with the FTC.

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 2022-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a banking agreement with Capital one and for over 8 months ( since XX/XX/2022 ) my account has been frozen for unknown reasons. I keep calling but I have not gotten a response. They restricted my account for no reasons at all. I had to loan money to pay my bills, I complained to a friend and they suggested I filed a complaint with CFPB. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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: Credit inquiries on your report that you don't recognize

Complaint:
There are credit inquiries on my credit report that do not belong to me

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 2022-10-01
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-08-23
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX  reported to the consumers reporting agencies for an unpaid account three years ago and that account is now paid in the full amount. 
XXXX XXXX credit company, Experian, and XXXX  credit reporting agencies are refused to remove/delete the fully paid & closed account from my credit report history. 
Paid Date : XX/XX/2021 Amount Paid : {$69.00} Payment Confirmation Number : XXXX Paid Date : XX/XX/2021 Amount Paid : {$99.00} Payment Confirmation 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 explanation
Consumer complaint received 2023-10-12
Company: AMERICAN EXPRESS COMPANY
State: DE
Product: Credit 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 XX/XX/2023, I ordered an air conditioner from XXXX for {$470.00}. It was marked delivered on XX/XX/2023. It was not delivered to my house, it was shipped through XXXX  and the photo they uploaded was not my house. After contacting XXXX they told me I would need to dispute this charge with my credit card company. I have been disputing this charge since, for a total of 5 months, over and over. XXXX sends them a " proof of delivery '' which has NO details attached to it whatsoever, and they then close the dispute in XXXX favor. I have provided multiple times, pictures of my house in person ( including the house number ON THE HOUSE ), along with screenshots of my house on XXXX  services like XXXX maps, and in comparison the delivery photo attached to the XXXX  tracking number showing a different house. American Express has continuously refused to look at the proof I have provided, and has continuously closed this dispute in XXXX favor citing that they have provided " supporting documents '' but only showing the same " proof of delivery '' page which shows nothing but simple text saying the item was delivered to the property address ( it wasnt ). 


I have submitted a complaint against the company already and they did NOT resolve the issue, they did nothing other than provide the same INCORRECT information they have been providing to me this entire time. If this complaint can not be resolved this time, I will have no other choice than to take this to court. I will NOT be paying for an item that was not delivered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions 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:
The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some items is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$6600.00}

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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
1. For XXXX XXXX on my XXXX credit report, XXXX refuses to remove the negative item. The account was opened on XX/XX/XXXX, it's been 8 years and the account has not been removed. Also, I would like to dispute this issue under the Civil Service Relief Act since I incurred this debt prior to entering service in XX/XX/XXXX. I would like for this account to be removed immediately. Please see attached for evidence. 

2. For XXXX XXXX XXXX  XXXX on my XXXX reports . I would like these accounts removed due to the fact they both are not accurate and are not reflecting the same data from both credit bureaus. Please see below for the following issues : a. On my XXXX credit report, the issues on my account is as listed : - Account Type : Auto Loan - Payment Status : Paid, was a charge-off - Status Date : XX/XX/XXXX - Balance : " - '' - Balance Updated : XX/XX/XXXX - Past due amount : " - '' - Terms : 72 Months - Contact information : XXXX XXXX XXXX XXXX XXXX NC XXXX- The late payments are for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

b. On my Transunion credit report, the issues on my account is as listed : - Account Type : Installment Account - Payment Status : Paid or paying as agreed - Status Date : XX/XX/XXXX - Balance : {$0.00} - Balance Updated : XX/XX/XXXX - Past due amount : {$0.00} - Terms : 82 Months - Contact information : XXXX XXXX4 East Fire TXXXX XXXX XXXX NC XXXX- The 1 late payment is for XX/XX/XXXX I would like to be CC 'd on every correspondence that is sent to the credit bureaus.

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 2022-12-06
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:
I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-18
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Just needing to remove my old addresses and phone numbers from my credit report. And keep my current address and phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX My Credit report was charged with Collection from CCS XXXX File # XXXX ) for {$560.00} for collection for Homeowner Insurance from XX/XX/XXXX to XX/XX/2021. Meanwhile I had another insurance from another company from XX/XX/2021. This insurance was canceled & Now my credit has been ruined. I have active refinancing process going on and this hurts my credit with 85 points down. This is very Unfair for a consumer like me. This is absolutely unacceptable.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: GA
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:
We have an issue with the mortgage attached for the loan under XXXX for over a XXXX dollars. The property was purchased in the business name as we do with all our properties since we have been in business and XXXX XXXX stands as guaranto. We have almost XXXX properties like this. XXXX stands as guarantor so it is therefore not reported on his credit. We refinanced this in XX/XX/2021 and it was just that. Now comes XXXX we are realizing they started reporting it on XXXX 's personal Credit, so that's a XXXX dollar loan with a {$7000.00} plus mortgage weighing his credit down which will obviously affect his XXXX and affect him getting other loans and has affected him getting several loans We have tried tirelessly to get it corrected with the mortgage company and The mortgage company is telling us that the investor has chosen to now report on both business and personal credit and only the investor can change that. I need to get it changed back to my original agreement of being reported on my business credit and not personal. I have almost XXXX properties and they are in the company 's name. He is the guarantor and they are not being reported on my credit report which is the whole reason for being in the company name. 

He is locked into a XXXX  year prepay and now he's also being screwed over as well by getting it placed on his personal credit. 

XXXX is not the borrower, the borrower is XXXX XXXX XXXX XXXX XXXX. XXXX is only guaranteeing the loan. That is not what we agreed to. We would never do business with anyone putting our business loans on our credit report. It is a breach of our agreement. It is a business loan. We need this to be removed from his personal credit. 

We have the original paperwork signed and attached. We also have other loans with the same lender purchased the same way which are not on our personal credit.

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 2022-05-18
Company: CURO Intermediate Holdings
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Over the last year, we received invoices for amounts due to Speedy XXXX. The invoice stated that my husband, XXXX XXXX, took out a XXXX XXXX in XXXX for {$350.00} at 359.006 % interest and now {$780.00} was due in full. We assumed this was a hoax as he never took out a loan from Speedy XXXX. We have now received a letter from XXXX XXXX XXXX out of XXXX IL dated XX/XX/XXXX starting that this was a verification of debt. The original creditor is listed as " SCIL , INC D/B/A SPEEDY CASH ''. The creditor 's account number is listed as XXXX with a date of opening as XX/XX/XXXX. 

This loan is not legitimate. A loan was never taken out from this lender by XXXX XXXX. The amount will not be paid for a loan never legitimately taken out. 

Please help. This just recently is now being reported on our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hi there, My name is XXXX XXXX, I am a crypto invester on Coinbase.com since XXXX, my account registed email is XXXX, all of my ETH coins were sold out and transfered to an unknow XXXX account on XXXX XXXX, I submitted the report form on same day by Coinbase.com online service, this company doesn't give any service phone No. or email to contact, but I received response email which told me they would investigate the case, almost 4 months was passed, I got no resault yet, I have submitted the request many times, each time I received the same auomatic reply email. Following is one of the emails : Hello, Thanks for submitting your request to Coinbase Support. We're here to help and will be in touch as soon as possible. 



In the meantime, you can find answers to many of your questions by visiting our Help Center. 



Regards, Coinbase Support I doubt this company has some problem, I saw on XXXX many same cases happened to others too. Just before my EHT was stolen, I set up my account with the Two-step 2-step verification, it ws impossible to be sold by somebody else, otherwise I should receive a notice text message, and my account shows the half masked XXXX account infomation, Coinbase has the clue to get money back, but they did nothing in months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: CL Holdings LLC
State: PA
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 was trying to inquire about house to buy with option to rent, they check my credit reporting and made me aware of various inquiries that do not belong to me. Due to my reporting showing this item, I am unable to move forward on my daily living.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: BETHPAGE FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23 I received a text from Bethpage Federal Credit Union that someone was trying to charge {$99.00} to my card from an XXXX XXXX. I said NO I did not authorize and they said card was blocked. I called bank next day and disputed other charges made at XXXX in XXXX - one for {$77.00} another for {$30.00} and another for {$150.00}. I also went to the branch in XXXX in person. 
They refunded my money pending an investigation. Last week the bank denied the claim for {$77.00} and for {$30.00} and sent a letter with a phone number and email to ask why. I have called and called and have not received a response. 
XXXX  XXXX they said they are denying my claim for {$150.00} because I didnt file the dispute within 60 days of finding out. But it is not even 30 days! I have all the documentation. Noone calls me back and noone answers the email. My mom went to the branch and spoke to the manager and no help there.

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