BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
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:
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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-02-02
Company: CBC Companies, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i was contacted by XXXX XXXX. i explained the amount of the loan i was looking for. We chatted for a bit and he said he would have to run a credit report, i asked which agency and he stated he was only going to run the report from XXXX, and when we were closer to processing he would have to run the other 2. i agreed to run the one report. I recieved notifications that all3 got run just then, i questioned it. he said i thought you were going to go through with theloan, i complained no that you just told me you were going to run just one, I did not need the inquiries on all 3. 
I recieved a call after a couple day from someone claiming to be his boss. i explained what happened and agin asked for the inquiries to be removed. he transferred me to XXXX which said he was going to listen to the tapes. 
He emailed back and said he was not going to remove them. I specifically asked for a copy of the tapes as it specifically has me the banker stating he was only going to run the one report. Also he stated that here is the copy and paste from his email.Now I will get this feedback over to banking because all of our bankers should be setting the proper expectation for a tri-merge credit pull. The only instance i have seen a single bureau credit pull would be for a score over 800. XXXX XXXX will not be able to remove this credit inquiry. I apologize for any inconvenience As you can see he stated that he will get with his bankers to to set the expectations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under -15 U.S.C 1681 section 602 A. States I have the right to privacy.

-15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

-15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts do not belong to me and I'm disputing these accounts in accordance to the consumer laws of the FCRA. I've also sent in a police report. I'm asking that the following accounts are removed, and blocked from my credit file. [ 1 ] XXXX XXXX, {$310.00}, {$240.00}, {$180.00}, {$60.00}, either account belongs to me. 

[ 2 ] Dept of ED/XXXX {$13000.00}, {$7400.00}, {$4400.00}, {$3700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I pulled a copy of my credit report on XX/XX/2023 to make sure that my credit was in good shape before I applied for a loan and that's when I discover a collection agency by the name of Midland Credit Management has reported a past due account of {$790.00}. 

I have never received any communication from this collection agency stating that I owe them nor was I made aware of my rights to dispute. I contacted the credit bureau on XX/XX/2023 and all XXXX ( XXXX, XXXX, XXXX ) came back with " account verified ''. I also sent a debt validation letter to the collection agency ; to which they sent their first piece of communication to me, on XX/XX/2023, enclosed with what looks like copies of XXXX bills from a creditor. 

This agency is in violation of the FDCPA and I'm demanding that they remove this collection from my credit reports. 

According to U.S Code 15 U.S. Code 1692g, the collection agency was supposed to make attempts to contact me before they reported a collection to my credit report. They did not. I've only found out about the alleged debt, when I requested a copy of my credit report prior to submitting a loan application. 
This agency also failed to provide sufficient validation for this debt. Sending XXXX bills from a creditor does not constitute of complete validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 ). Listing these items as information without verifying them within the legally mandated time frame is unacceptable. I require an investigation, a correction, or removal 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

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 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account is reporting inaccurately. I have NOT been provided with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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 2019-09-17
Company: Experian Information Solutions 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:
I filled a dispute with Experian and the collection agency requesting the validity of a debt and full investigation XX/XX/2019 and XX/XX/2019. These are only two of many disputes over the years in regards to the incorrect information being reported in regardsto this account. Like all the former disputes, both disputed lead to the collection agency sending a bill with just an amount due and no charges explaining validity, and in return Experian leaves incorrect, non validated information on my credit report.I paid XXXX and transfered the account to another person years ago.

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 2023-06-25
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
There are multiple unauthorized wire transactions from both my savings account and checkings account early XXXX. I got to know this on XX/XX/XXXX calling the customer service line because my online banking stopped working. There was one transaction went through that with an amount over XXXX thousands dollars. I immediately asked the bank to file a claim but the bank asked me to be in a local branch to deal with it. I am overseas and could not make it so I write a XXXX of Attorney with detailed information asking my relative to represent me to file the claim. I got the POA notarized at the local United States XXXX. However, the bank reject the POA just saying insufficient verbage. There is no other appointment available at the XXXX XXXX in near term and I can not return to the states soon. I made multiple calls already and none of the bankers helped.

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 2021-12-30
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I tried to sign into my Coinbase & Coinbase pro account around XX/XX/21 I got an error message stating my account had been temporarily disabled and to contact support. 

I have contacted support by opening over 20 support cases over the last 3 months but every case is closed without me receiving any help or information. 
I have requested the details of their financial ombudsman but they refuse to share this with me. 
I have opened a complaint case also but they do not respond. 

They are withholding my entire life savings and I am in extreme mounting debt because of this. 
They have ruined my XXXX as I have not had access to my savings. 
I am in debt from borrowing money to pay my bills. 

Please have them open my account so I can have my life savings back before I lose everything I have worked my whole life for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I attempted to set up a checking and savings account on line and was directed to a local branch to complete the process. The branch manager told me that they couldnt establish the accounts because of some derogatory information about me in some system they use. She mentioned XXXX XXXX and XXXX XXXX XXXX. She further mentioned that on XX/XX/XXXX they were instructed to delete that information but refuse to do so. I asked for specifics and was told that could not be provided. I then called the 800 number and was told by them that I was declined because I have a fraud alert I placed on my SSN. This was never mentioned in the branch.

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 2019-10-03
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Ive been a card member for Barclays for almost a year and great payment history and never been late or had any problems using the card now I called twice to have my credit limit increase so I can manage my credit card balance and utilization and I had my credit report pulled twice in one year and I was turn down due to mutiple fraudulent inquiries and I explain to the credit rep that I was a victim of fraud with XXXX XXXX and XXXX ... and she told me I have to wait few months and it was a big waste of my time and I lost 10 points off my credit report due to phony credit limit increase declined

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-23
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
for years i have been battling XXXX and federal student aid about a loan discharge that i am well qualified for in more ways than one. 
on XX/XX/2023 i received a letter from fed student aid stating that the discharge had gone through and it would be removed from my credit within 90 days. i called them, and some rude lady told me i had to call XXXX so i did. i also sent them a copy of my approval letter. 
on XX/XX/2023 XXXX sent me a letter that it would be resolved within 90 days, that time expired on XX/XX/2023 on XX/XX/2023 i submitted a complaint with CFPB on XX/XX/2023 they responded with a claim that they are waiting for approval from fed student aid. i already sent that approval in XXXX 
ive attached all the letters... time is up, fix this issue.

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 2022-04-16
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Binance.US has locked me out of my account for not agreeing to their new biometric facial scanning policy for logging in to one 's account. They give no option to refuse. Either you agree or you can't access your account. Also, this policy change happened suddenly, with no notice whatsoever. 

I found out later that Binance.US is being sued for illegally gathering biometric data on their clients. It seems they are now coercing consent to avoid having to pay out to clients for their wrongdoing in the event they lose the lawsuit. Or it could be the government pressuring them to do this, I don't know. I only know it must be illegal to lock people out of their accounts, denying them access to their funds, for not agreeing to it. 

I would like to have access to my account to remove my funds. I've been going back and forth with them by email. They admit that the new policy is unfair and they say they are trying to roll back the policy to allow users access to their accounts without having to agree to the invasive biometric facial scanning, but it's been more than a week and still no change has been made to allow me access. They did send me a nasty email saying I would no longer be able to use Binance.US. Funny, because I had already expressed to them my desire to remove my funds and close my account. After that, they sent me another email apologizing for the inconvenience of not being able to access my funds on their platform. 

They are clearly acting in an illegal manner. I'm not the only one affected by this obvious violation of privacy rights and denial of access to one 's financial assets ( see Binance.US on XXXX ). They should be sued on both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX XXXX XXXX - XXXX Personal Expense Collateral - XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I set up a credit freeze on Equifax about 1.5 years ago. I recently went to temporarily lift the freeze using the PIN number they provided at the time I set up the freeze. During the process they asked me to set up a login and password, which required providing personal identifying information ( address, SSN ). When I went to set up a temporary lift on my security freeze, they did not ask me for the PIN I was originally given. This means that anyone who gets access to my Equifax account can lift the security freeze without the PIN. This begs the question : was the PIN a required security measure that Equifax is now ignoring and no longer enforcing? 

Furthermore, they definitely make it difficult to ascertain the state of your credit freeze and manage information about it.

Company response to consumer: Closed with explanation