BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: IN
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:
I bought a car from XXXXl XXXX, the car is paid off I HAVE THE TITLE, no liens no issues with it the car is mines since they sent me my title and they are inaccurately reporting it as delinquent, I have proof of the vehicle being mines. I also have filed an FTC report because this is holding me back when I go to dealerships they see that the car is mines but its reporting inaccurately. I want this fixed and handled and behind me i have been going back and fourth for the last 2 years about a car I own. If i didn't own the vehicle or if it was bad debt, why do I have the title signed from XXXX  XXXX to me?? I dont know what is going on there end but it has nothing to do with me, I am debt free with them and I want my report to show that or to completely delete the account.

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 2021-09-13
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Very poor handling of compromised accounts. My account was compromised and I immediately took action to block the account when notified by text. 

Txn 1 Date XX/XX/2021 {$2500.00} Txn 2 Date XX/XX/2021 {$2500.00} Nonetheless Coinbase allowed unapproved purchases to go through and get transferred out of my account. I did not even have that much in the account to buy anything. I had maybe {$500.00}. 

My bank rejected the request to transfer the money so the bank acted responsibly. Coinbase DID NOT. They still want to hold me accountable for purchase that I did not authorize.

Coinbase is absolving themselves of responsibility since it is digital and they have no way to trace. This is a weak excuse and frankly poor business practice. 

At this point I simply want to close my coinbase account and never deal with them again.

I can only imagine others have had similar issue.

See below for message I received from Coinbase. 

Thanks in advance for assistance. 

Regards, XXXX XXXX Here was message I received from Coinbase when I asked to close my account. I find this to be unacceptable since I did not have enough money in my account to do these purchases and as soon as I received message of invalid activity I reported my account as compromised. 



We are unable to close your account due to reversed transactions with your bank and an outstanding balance owed to Coinbase. We understand that your account may have been compromised and unauthorized activity occurred.

Customers are responsible for the security of their devices and passwords used to access their email and Coinbase account, and as such are responsible for any activity that occurs when those devices or passwords are compromised. Please visit our security page for more information : https : XXXX We do recognize the difficult position this puts you in. However, this does not change the current status of the account. We can not reimburse or credit for this outstanding balance owed to Coinbase because once digital currency is purchased or sent off the platform, we do not have a way to reverse these transactions.

Please note : In order for Coinbase to delete your account or consider restoring the purchasing ability for your Coinbase account in the future, you will need to first resolve the outstanding balance owed to Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: FORD MOTOR CREDIT CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am writing to file a formal complaint against XXXX Ford regarding my recent vehicle purchase experience and subsequent issues. I believe that the dealership has engaged in unfair practices and violated consumer protection laws, and I kindly request your assistance in resolving this matter. 

On XX/XX/2023, I purchased a vehicle from XXXX Ford. Throughout the sales process, I experienced significant pressure to accept a vehicle that was not my first choice. Despite expressing my concerns and time constraints, the dealership made me wait excessively before addressing my questions and rushing through the necessary paperwork. This delay caused me considerable inconvenience, as I had to pick up my son from school. 

Following the purchase, I promptly conducted a thorough inspection of the vehicle and discovered multiple mechanical and safety concerns. These issues were not disclosed or apparent during the sales process. Immediately, I contacted XXXX Ford to address my concerns and request repairs or a possible return. Unfortunately, the dealership has been uncooperative and unresponsive to my requests, leaving the issues unresolved. 

To add further frustration, upon investigating my loan agreement, I discovered that an auto loan with Ford Motor Credit was in place without my knowledge or consent. During the sales process, I was originally informed by XXXX Ford that I was not approved by XXXX XXXX, which turned out to be untrue. XXXX XXXX has confirmed that I was, indeed, approved for financing, indicating a potential misrepresentation by XXXX Ford. 

I believe that the actions of XXXX Ford are in direct violation of consumer protection laws, including but not limited to deceptive practices, unfair trade practices, and failure to provide necessary disclosures. These actions have caused me financial loss, inconvenience, and significant distress. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly. I would appreciate your intervention in mediating the dispute and ensuring that XXXX Ford addresses the mechanical and safety concerns promptly. Furthermore, I request that XXXX Ford provides a satisfactory resolution, which may include repairs, a vehicle exchange, or a refund of the purchase price, considering the significant issues and misrepresentation. I sincerely hope that the Consumer Financial Protection Bureau can assist in resolving this matter and protecting consumers from such unfair and deceptive practices. I eagerly await your prompt attention to this complaint and a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: EdFinancial Services
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to dispute the following information that appears on my [ XXXX or XXXX or XXXX ] XXXX XXXX XXXX XXXX  Summary XXXX XXXX XXXX ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXX Reported Balance {$850.00} Account Status COLLECTION Available Credit Account History The tables below show up to 3 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments. 
Balance Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Available Credit Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Scheduled Payment Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My report include

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian does not and have refused to follow the law. I am a victim of identity theft I have had a fraudulent auto loan reporting on my Experian credit report for over 3 years. The auto loan was opened in XXXXXXXX XXXX. Someone took my XXXX Drivers license at the time went to XXXX and purchased a vehicle in my name and social. 

I've sent several letters to Experian and XXXX asking them to block this account according to FCRA section 605, They initially blocked it, only to re- inserted it a few weeks later. without giving a reason why it was placed back on my file. Every other letter since then has been ignored and no response has been given. Ive sent police reports, everything, they refuse to cooperate with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: HW Holding, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I notified XXXX  of an invalid account on my credit credit report. Under federal laws and FCRA guidelines section 609 I  requested that the account under the name Hunter Warfield Inc be investigated for verification/validation. It has now surpassed the 30 day investigation period in which XXXX  was suppose to verify/validate the above mentioned account

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, 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  FL XXXX, XXXX PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA 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

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 2022-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Most recently I've been back and forth to XXXX. because I had XXXX XXXX XXXX and so it took some time off. vacation with my girlfriend and her family. With my XXXX XXXX I kind of spaced out. with my finances and I looked up at the end of the month and all my credit cards were maxed out which was kind of strange. And then as I started looking through payments and charges they were several that I didn't recognize and prices that I didn't approve. Due to the trauma from the accident I didn't really know or pay attention to the amount I have spent. So now I am unsure? I'm bank account I'm unsure, its empty, on my three Capital One accounts and I don't know. And I don't know ifget anything else is left to take! I was hoping that you guys could keep a fraud alert on my credit, and help me with dealing with my bank and Capital One is far as unauthorized purchases on my account I need yall 's help! I've been working for years to get a good credit score and now it's gone down it! and I thank you for helping me God bless!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: NC
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2022-11-02
Company: Experian Information Solutions Inc.
State: WV
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 got an legitimate email from Experian today, ( XX/XX/2022 ) as I have an login account to check my credit report with them. The email said I had a new car added to my credit report. I will attach the email. When I clicked the email and logged in ( Yes it was Experian 's site, I double checked ) it said I have a XXXX XXXX added to my credit report and wanted me to pay to upgrade my account. I never bought a XXXX XXXX. I closed it, and went back to my report ( as I was already logged in ) and I see nothing about a new loan for a car. I checked other reporting companies ( XXXX, XXXX ), and nothing there either. 

I feel like Experian was trying to trick me into thinking there was an issue with my credit, to get me to buy a service. I contacted their support by ( replying to the email ) about the event and told them I was reporting to the FTC. The FTC website forwarded me here to fill out the complaint. I got an automated response from Experian from the support email, so I am sure it was not a phishing email. 

I suppose it could have been a glitch in there system that thought I bought a XXXX XXXX, but I thought I would report it in case other have had the same experience. It really upsets me that a company like this would prey on vulnerabilities of people, if this was intentional.

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 2023-03-16
Company: EQUIFAX, INC.
State: HI
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 Creditt Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XX/XX/XXXXDept of Ed/XX/XX/XXXX 15 U.S. C 1681 Section 602 A. States that I have a right to privacy.

Also, 15 U. S. C 1681 Section 604 A. Section 2, States that a consumer reporting agency can not furnish an account without my written instructions.

Also, 15 U. S. C 1681c ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse items of information, other than records of convictions of crimes which antedates the report by more then 7 years.

Lastly, 15 U. S. C 1681s-2 ( A ) ( 1 ) states that 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 2023-03-10
Company: WELLS FARGO & COMPANY
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:
To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

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 2021-12-23
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Good morning. 

I have an American Express XXXX card since 2000. This past month, American Express closed my account without any proper notification causing my credit score to drop by 20-50 points. I found this out that my card had been cancelled, when I noticed my card had expired and I had not received a new card and I called up American Express, I was informed my only options were to apply for a new credit card. this would in turn have a negative impact on my credit score. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
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: 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 explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation