BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: CA
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: In progress
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: PA
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 explanation
Consumer complaint received 2023-07-18
Company: U.S. BANCORP
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
When I was XXXX yrs old with no job and no credit. 
I opened a US bank debit card with {$700.00} in XXXX. I did used the entire {$700.00} it was my first year as a college student. My mistake I didnt close the card after spending all of the {$700.00}. 

Later in the following years XXXX and XXXX, I began getting letters from US Bank and a bill collecting company Monarch requesting I pay them {$5100.00} for a over draft account. 

Myself and my mother have tried called US BANK telling them this is fraud and I have never had {$5000.00}, but we keep getting the run around with no assistance. 

Thank you for helping, I do not want my credit ruined before I even get a chance to start my career after college graduation.

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 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XXXX XXXX I was involved in a head on collision that left the XXXX XXXX XXXX completely totaled. The XXXX was towed to the tow lot while I was rushed to the XXXX XXXX. I called XXXX XXXX XXXX to inform them what happened. They explained to me that the car had Gap Insurance on it and that if it was completely non salvageable that it would be taken of my record. I called the XXXX XXXX lot to check the status of the car they stated it was in the lot still. For 3 mths I was given the run around from XXXX stating their insurance person said it is not salvageable and that they couldn't use it for parts. I called the tow lot to see if I could get my belongings in the car the tow lot supervisor instructed me that I could do a release of property with them. I went to complete the process and was told that XXXX picked up the car. I called XXXX where they stated they hadn't picked it up and than referred me back to XXXX XXXX XXXX. XXXX XXXX Lot stated it was picked up on XXXX XXXX by XXXX. XXXX than stated they picked up it as a REPO, which in their definition a REPO is for Non Payment not due to a accident. My XXXX was still and still is in the XXXX XXXX Lot waiting to be auctioned off. According to the tow lot they can't auction nor go in the car due to it being a XXXX with XXXX and XXXX on the driver and passenger seats. The windshield and back seat having extensive damage. The car is in no shape repairable nor able to have parts sold from it. 
On the credit report XXXX stated it was a natural disaster but on the next line stated it was a Repossession. My car note was due the following week of my accident and when I called to info the lender they stated they hadn't known about it but would know within a few days and appreciated me calling right after it happened and that it would be written off since it was due to a accident and they would send an adjuster to verify the damage. I stated I was going to have my adjuster come out XXXX stated that would be fine but I later found out they sent a request for their adjuster to go out and I was charge for him to go out as well as for XXXX moving the car from the XXXX XXXX to the other parking lot instead of allowing it to sit until I had received my belongings or spoken to both XXXX XXXX and XXXX to find out the next steps in this horrible ordeal. 
The report states a natural disaster and repo it isn't the later part but the natural disaster, I just want this to be solved and me to stop going back in fourth communicating with parties that should've properly document and spoke to me regarding the car situation since it was mine and I had majority belongings and business artifacts in the car.

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 2023-10-20
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5600.00} XX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2020-09-28
Company: Radius Global Solutions LLC
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:
What happened? : I had a pre-approval for a home loan through the GA Dream program but my realtor refused to show me houses in certain neighborhoods and the loans office would not submit my application to the GA Dream program even though I completed everything asked of me to qualify the loan officer told me by letter and email to complete actions that caused my credit score to drop below the guidelines. I sent him proof of me completing the requested actions and he then denied my loan and never submitted the application to the GADream program for down payment assistance for healthcare workers and low income families. He did not offer me all available options. And sold my information cause my social security number And credit report to be leaked on the dark web. 


When did the last act of discrimination occur? : XX/XX/2020

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 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent Transunion a letter asking them to remove the inquiries from my credit 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 2021-11-09
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/21 an email account of mine was hacked and used to access my investment account at Coinbase and create a new bank account with XXXX XXXX XXXX. The hacker liquidated cryptocurrency assets held in my Coinbase account, transferred cash to the XXXX XXXX XXXX bank account, and used my linked brokerage checking with XXXX to purchase more cryptocurrency, sell, and transfer a portion of the liquidation proceeds to the XXXX XXXX XXXX account. I informed Coinbase and XXXX of the unauthorized transactions within hours of them occurring, but they were no action was taken by either company. My Coinbase account utilized 2 Factor Authentication for security and Coinbase does not allow immediate withdrawals of cash contributions, but both Coinbases authentication protocols and transfer procedures were bypassed. I have written to Coinbase via their web portal for remediation, but they have not acknowledged any fraudulent activity and have not indicated they are working to recover my assets in their responses. I have contacted XXXX XXXX XXXX for remediation but they have not returned correspondence or provided me information on where cash was transferred, only stating that they closed the unauthorized accounts which received cash stolen. XXXX XXXX XXXX XXXX 's banking functions are conducted through XXXX XXXX Bank. XXXX 's banking functions are conducted through XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I contact a company called XXXX city who told me instead of replacing my whole window they would just replace a piece of the glass. They assured me it was possible and gave me a quote. I paid the vendor for the glass and them for the labor and a month later the work is still not done. XXXX technicians have told me different stories they just keep rescheduling my appointment and I have never received any window from them. I tried to file dispute but my bank is unreachable and unresponsive.

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 monetary relief
Consumer complaint received 2019-08-28
Company: Gurstel Law Firm, P.C.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Gurstel Law Firm sent summons and specifically requested I send response to them. I did so within the 20 days. Only to see that they went and got default judgement, but a couple of days later after I had called someone at the firm, I noticed they had filed a request to vacate judgement. Even though it was vacated, I feel like it was an intimidation tactic. That record, even though vacated is available on the internet.I 've tried calling several times but can't seem to get anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 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 2018-11-14
Company: Heritage Financial Group, Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XX/XX/2018 XXXX from XXXX XXXX called a residence and either spoke to, or left information with someone that had no knowledge of this matter and has absolutely NOTHING to do with this matter. Now I do receive some mail at this address. But to actually call someone else 's home is a bit much. Besides mail I have no ties to this residence. Heritage practices these harassing tactics. I pay Heritage.  They want to me to authorize an automatic withdrawal from my account. And that will never happen. I pay {$100.00} a month like I AGREED TO. They want me to pay it twice a month for a vehicle that was totaled and doesn't exist anymore. The insurance paid what the vehicle was worth to them, and there was a remaining balance. I think I OWE alittle over XXXX. Hertiage takes advantage of people that need vehicles during desperate times. I had filed for bankruptcy and had little knowledge of a company such as this. They are nothing but opportunist and Bullies. I

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XX/XX/2018, I requested all 3 major credit bureaus review and remove XXXXXXXX XXXX XXXX account of my credit report, because of the inaccuracy reported. I came to a settlement agreement with XXXX XXXX 's collection agency. The account being disputed was charged off. I asked for validation of the debt but only received statement with a balance on it. No signed validation, no purchases just a statement of alleged debt. The credit line was XXXX dollars but the debt was more than XXXX dollars. I was contacted by the debt collector and negotiated a settlement for deletion. I Paid over XXXX dollars and the debt collector is no longer honoring our agreement and wants the full alleged amount without proper validation. XXXX solution for my dispute was lower the alleged charge off owed from XXXX to XXXX dollars. Which is still inaccurate as the alleged charge off was XXXX as reported on the other credit bureau ( XXXX and Equifax ). The data across the other credit bureau are not  consistent as required by the Fair Credit Reporting Act. Also the first date of delinquency is not consistent on all the bureau. XXXX completed investigation is not proper just lowering the charge off amount without proof is not a solution but a quick answer to a company taking advantage of a consumer and her rights. You can not just update an original charge off amount without proper validation. Even if the updated charge off was accurate the balance would be wrong as I made more than XXXX dollars in paymen in the last 60 days as reported by your agencies and the balance should be lowered and settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2020-12-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In early and mid XX/XX/XXXX, I called in to Chase Auto Finance and Chase Executive Offices to discuss getting a two-month deferment ( to the end of XX/XX/XXXX ) because of the Covid/financial situation. 

Due to the continuing Covid-19 pandemic, my work has not yet picked back up ( as of mid XX/XX/XXXX ), and with government-forced shut-downs in XXXX California ( where I live ), the speed at which my work will return has been slowed further. 

When I spoke with a representative at Chase Auto Finance, I was told that a two-month deferment was not an option at the time. 

I also left a few messages with a rep at Chase Executive Offices. He did return one of my calls ( he left a message ), and asked that I leave him a message with the details about my situation. I did leave the rep a message, but three days later, have not heard from him about the matter. ( I understand everyone is very busy right now, but at the same time, I very much need to get this settled asap. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
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:
please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account 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 explanation
Consumer complaint received 2023-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 a victim of identity theft. XXXX XXXX had reported an open account on XX/XX/2023 in the amount of {$850.00} and {$1000.00}. XXXX XXXX XXXX  reported an unauthorized account on XX/XX/XXXX. 2023 in the amount of {$540.00}. XXXX XXXX XXXX reported an unauthorized account on XX/XX/2023, in the amount of {$880.00}. I have contacted the frauds customer service lines to these accounts, and nothing has been. I need these accounts removed from by report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: JPMORGAN CHASE & CO.
State: NJ
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 filling out an application for a mortgage loan on XXXX XXXX XXXX and XXXX section asked to review my previous credit inquiries and give the reason for the inquiry. According to this section, someone had pulled my credit on XXXX XXXX XXXX. I hadnt authorized any form of credit inquiry since XX/XX/2021. I immediately went to my Chase bank app and sure enough the inquiry was there but I didnt recognize the name : XXXX XXXX XXXX  XXXX. My best guess is that it was our previous loan officer, XXXX XXXX that our realtor recommended but he had stopped answering us about two months prior, and then we only heard from him sporadically until we just decided to find a new loan company. We never worked with this man through a company, just himself by name. There was XXXX point where he apparently had changed companies when we were still using him. Regardless, he never asked for our consent to pull our credit and had I not found this new loan officer, I never would have been notified of the inquiry. I called Chase costumer service on XXXX XXXX and they gave me a different number to call that said it didnt exist. So I came to report it here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted each company to have the inquiries deleted and I was informed to contact the credit bureau and they credit bureaus told me to contact the company. Unsuccessful with both companies and the credit bureaus. I cant seem to catch a break. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Radius Global Solutions is attempting to collect a medical debt of {$35.00} from my minor son for blood tests that he received at XXXX XXXX. I have XXXX XXXX XXXX XXXX XXXX and he is covered by that insurance. Further, all co-pays were collected by their XXXX  XXXX XXXX XXXX at the time of the appointment. Thus, there was no possibility for any additional charges. 

XXXX has previously been warned of the fraudulent nature of this bill yet they continue to harass my minor child.

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