BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
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: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 


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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 2019-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I've been getting repeated charges from XXXX XXXX for XXXX monthly. I first realized this over the summer and submitted a fraud claim to Bank of America. they stated they would look into this and would give me a temporary reversal. In XX/XX/XXXX/XX/XX/2018 they said that they were reversing the claim due to the fact that I check my bank account hundreds of times during the 3-4 months and that there's no way that I didn't know about it. I told them that I don't check my bank account even weekly and never have so that is very suspicious behavior. They refuse to give me back the credit and block the company from charging me, currently I am getting 2 charges a month that can not be blocked, most recently today and now my account is in danger of overdraft fees that are a result of unauthorized transactions. The bank refuses to allow me to close the bank account as they claim that once the account is close they can not refund the money 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 explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: ID
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: GA
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:
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.

has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 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 non-monetary relief
Consumer complaint received 2018-10-10
Company: Equitable Acceptance Corp
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
I was in contact with Equitable Acceptance about cancelling my contract with them. I also asked for a refund of the {$650.00} that i put into this business for them putting my school loan on hold for a year. Thats something i could did on my own for free, my school loan is still the same balance and i want a full refund of the money i put into this company. I was told i can take this to the states attorney which i do not want to do because it shouldnt take that. But Ive waited for two weeks for a response and havent got one.  When i call the company they say they have no file with me anymore its through XXXX XXXX. Which Im not contracted with them either. I paid Equitable Acceptance, so equitable acceptance should be refunding my money. I could use that money and actually apply it towards my school loan, since thats what i was told it would wipe away my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: MI
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:
There are two issues that I am having disputing incorrect information on my credit report with Equifax : XXXX XXXX XXXX : 1. A copy of the paid and full letter was sent to Equifax along with the request to remove the inaccurate information from my report. They responded that they verified it was accurate which is not correct. The company sent me the letter directly saying it was paid in full two times now and Equifax refuses to delete the information from my report. They are still reporting a {$40.00} balance which is not accurate. 

XXXX XXXX 2. A copy of the settled in full agreement was sent to Equifax yet they are still reporting a {$440.00} balance which is not accurate. The balance should be XXXX  and the item should be removed from credit reporting. I have again attached the confirmation directly from XXXX  XXXX stating the account is now settled in full. 

Both of these accounts have been successfully removed from XXXX and XXXX after pay off however Equifax has not been compliant in removing the in accurate information. I have attached again here the confirmation of settled in full accounts and the refusal of Equifax to delete the information although it is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX a federally protected consumer, and I am making this complaint against MRS BPO LLC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in XXXX XXXX. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until MRS BPO LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and MRS BPO LLC, continues its collection efforts, I will file for litigation for actual damages caused and MRS BPO LLC, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required

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 2023-09-06
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting 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 am writing to express my deep concern regarding an item on my credit report that contains inaccurate account information. Despite my repeated attempts to dispute this item and request validation of the debt and the original agreement, it remains on my credit report without any evidence of validation from XXXX, XXXX, or Experian. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX I have diligently followed the proper procedures to dispute this item by submitting written requests and providing supporting documentation. Regrettably, my efforts have been met with silence, and I have not received any validation or response regarding the validation process undertaken by the credit reporting agencies involved. 

Therefore, I am formally requesting verification of how this debt has been validated and a detailed breakdown of the procedure that was taken to validate it. It is imperative that I understand how this debt was verified, as it directly affects my creditworthiness and financial standing. 

In accordance with my rights under the Fair Credit Reporting Act, if this debt can not be adequately validated within the specified timeframe, I demand that this account be immediately removed from my credit report. Continuing to report inaccurate and unverified information is a violation of my consumer rights under 15 USC 1681. 

I trust that you will take this matter seriously and promptly address the inaccuracies in my credit report. I remain hopeful that we can resolve this issue amicably and without the need for further actions. 

Please provide the following information : XXXX. Documentation validating the existence and legitimacy of the debt, including the original agreement or contract. 

XXXX. A clear explanation of the steps taken by your agency to validate this debt, including the date and method of communication with the creditor or debt collector. 

XXXX. Any correspondence or records exchanged between your agency and the creditor or debt collector during the validation process. 

Should you fail to provide satisfactory validation of this debt within the specified timeframe, I will have no choice but to exercise my rights under 15 USC 1681 and pursue appropriate legal action to protect my consumer rights and seek redress for any damages caused by the inaccurate reporting. 

I expect a prompt response and resolution to this matter. Thank you for your immediate attention and cooperation. 


Sincerely, 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 2021-04-03
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
my problem happened XX/XX/21. XXXX Coinbase Case # XXXX ) I made 4 conversion trades that all went through smoothly. Later that day I looked at my bank account and see 4 separate {$100.00} charges from coinbase that correspond to the 4 conversion trades I made. Mind you, conversion trades between coins charge no fees. So I contacted Coinbase support, explain the situation and get an automated response that a ticket will be opened and they will look into it and get back to me. Later that evening as I'm trading away my account is locked!? I check my email and sure enough I got a reply from Coinbase support! They tell me they are " locking my account while they investigate, but my funds are safe! '' So they have my {$6000.00} dollars in a volatile market which I do mostly swing trades and lock it. How does that make my funds safe exactly? My account is secure and has not been hacked. Coinbase simply charged me {$100.00} for each of my small swing trades! Today ( XX/XX/21 ) I get an email saying " my case is closed '' NO other information, no resolution and my account is still locked and have no idea where any of my money is now! They now don't respond to emails and if I try and open a new ticket they just merge it with the now " case closed '' ticket. I have never in my life had such poor experience with any company. especially one that is supposed to be # 1 and going public on the XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am currently on reduced hours due to the XXXX  vacation and my hourly wage and hours worked are reduced till XXXX. 
On average I am only making XXXX a month. 
My contract is only for 9 months only

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Denefits LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Title 15 of the United States Code, Section 6802, is a provision related to the privacy of consumer financial information. It outlines the requirements and restrictions imposed on financial institutions regarding the collection, use, and disclosure of personal and financial information of their customers. The section establishes guidelines for providing privacy notices to customers, allowing them to opt-out of certain information sharing practices, and maintaining the security and confidentiality of customer information. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX ) XXXX Denefits XXXX  XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Installment sales contract - Bureau Code : Individual Individual Account Status : Open Open Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$2000.00} {$2000.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$1700.00} {$1700.00} Credit Limit : {$0.00} {$0.00} Past Due : {$1800.00} {$1800.00} Payment Status : Late 180 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : - Variable rate 180 days past due Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in 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 non-monetary relief
Consumer complaint received 2022-08-18
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: Personal information incorrect

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, I sent XXXX and TransUnion dispute letters via certified mail, requesting the organization to update my personal information to reflect the accurate spelling of my name, address, telephone number, and employment. I also requested the removal of any duplicate personal information. In addition to my initial request, I asked for the two organizations to send an updated copy of my credit report reflecting the changes I requested. As a result, XXXX and TransUnion ignored my request. They did not make the changes to my credit report even after sending a copy of my driver 's license, which displays my current address and correct spelling of my name. Also, they failed to send a copy of my credit report after I requested. 

Certified Mail Receipt number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XX/XX/XXXX worked with XXXX XXXX with Advance Financial 24/7 to reach an agreement to settle in full account number # XXXX for {$5500.00}. A payment of {$5500.00} was withdrawn from my XXXX  XXXX XXXX account on XX/XX/XXXX ( see Bank attached ). I received an email from XXXX on XX/XX/XXXX, which stated that my account with Advance Financial 24/7 had been settled in full ( see Settlement attached ). On XX/XX/XXXX, a withdrawal of {$880.00} ( see Theft attached ) was stolen from my banking account by Advance Financial 24/7. I immediately called ( XXXX ) XXXX and spoke with Advance Financial 's 24/7 representative XXXX, who stated that the {$880.00} would be refunded to my account in 3 business days. I repeatedly asked how Advance Financial 24/7 could legally take money from my bank for an account that had already been settled, but I did not receive an acceptable answer ; nor am I confident that this issue will not reoccur. I am also not confident that Advance Financial 24/7 will promptly refund the money they stole to my bank account. I was literally in the process of paying my mortgage when I discovered the stolen {$880.00}. Advance Financial 24/7 's actions in reneging on the settlement agreement are immoral, illegal, and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Experian Information Solutions Inc.
State: PA
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:
Experian 's data is incomplete. They claim I have only 3 paid on time accounts when all but one of my accounts is paid, whether open or closed, and never late. I have 1 account that was ever late and I did not know there was anything on the account. The amount was {$5.00} that the card company added after I paid it in full on their website. They showed it as {$200.00}. I had no way to know they had added a charge to the account because I had moved to take care of my elderly mother. They made no attempt to contact me beyond mailing notices to my old address. No email or phone call or text. I had even changed my driver 's license and address so they had notice I had moved. Experian should show about a dozen Paid/Never Late accounts but they don't. All of their aggregate data is incorrect giving creditors a completely false picture and reducing my credit score from well over XXXX to the mid XXXX 's over a {$5.00} late payment.. 

In addition, they stole my credit card number and tried to charge me for something I had refused to authorize and blocked me from accessing my account. It took two hours to get someone on the phone to fix it and the next day the same thing happened again.

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