BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: OneMain Finance Corporation
State: MD
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Credit Karma, LLC
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX after I had made a purchase for goods and the merchant would not accept my us issued passport as identification and informed me that they would not be refunding my money that I would go through the bank dispute process. I reached out to Credit Karma and informed them and started the dispute process. That was 16 days ago. They haven't even reached out to ask if I had any supporting documentation which I do I have all the email correspondence. Once it reached the 10-day mark I started reaching out every day and I was told that they can see that I should have gotten a provisional credit but it didn't post to the account so they were going to escalate it well 6 days later and I still have not even been contacted for evidence or proof let alone the provisional credit I've tried everything I can and they just won't follow the law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Paypal Holdings, 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:
Paypal temporarily limited my Paypal without any explanation. They said that they will review it within 5 days. Ref ID : XXXX. 7 days has passed, I emailed them twice asking when will it be fix but no responsed whatsoever. It is really frustrating because I always used Paypal primarily to received my salary to my boss and to my my other transacations.. Today I have a lot of pending payments.. Hope they can fix it soon. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
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: Credit inquiries on your report that you don't recognize

Complaint:
I am requesting credit inquiry that were unauthorized be removed from my credit report. Description of Disputes inquires : I never Authorized theses : I Demand written verification and documentation that the inquiries actually took place immediately. Proof of my permission for them to pull my credit. You can't verify all of the details, inquiries need to be removed. Validation I am requesting that you remove this information from my credit report. Thank you for your help in this matter. This is a request to remove the following inquiry that were made without my expressed permission : - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX ) - XXXX XX/XX/XXXX ( TXXXX ) XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XX/XX/XXXX ( XXXX ) - XXXX XX/XX/XXXX ( XXXX ) - XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX  XXXX - XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( TRANSUNION XXXX - XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX  XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX - XXXX  XX/XX/XXXX ( XXXX ) - XXXX XXXX  XXXX XX/XX/XXXX ( XXXX XXXX - XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX  XX/XX/XXXX ( XXXX ) - XXXX  XX/XX/XXXX XXXX XXXX ) - XXXX XX/XX/XXXX XXXX XXXX  ) - XXXX XXXX XX/XX/XXXX ( XXXX ) - XXXX XXXXXXXX XX/XX/XXXX ( XXXX XXXX  These inquiries according to the FCRA were not made due to a firm offer of credit, to obtain insurance, employment, or by a court order. Please remove these inquiries that did not have permissible purpose to pull my credit. Nor have i received documentary evidence under 15 usc 44 of the investigation consumer report as defined in 15 usc 1681a ( a ) ( 1 ) ( e ). under 15 usc 1681a ( 2 ) ( i ) WHICH is questionable as well. Under the FCRA, the burden of proof lies on the bureaus you are the one allowing fraudulent information to report on my credit report. HOW DID YOU Verify? Please send me a description of the procedures used in your investigation. Thank you for following the ethical standards set by the FCRA and removing these inquiries.

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 2023-10-09
Company: Experian Information Solutions Inc.
State: WI
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report 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 explanation
Consumer complaint received 2022-10-13
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: Account information incorrect

Complaint:
hello there were a fe account on my credit report that I submitted and investigation for and they fell off my credit report. They appeared on my report again without any notice. According to section 611 of the FCRA 'the information may to be reinserted in the file by the consumer reporting agencies unless the person who in furnishing the information certifies the information is complete and accurate ' The FCRA also states 'consumer agencies shall notify the consume of the reinsertion in writing not later than 5 business days after reinsertion I have listed the accounts they reinserted below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-04-26
Company: WELLS FARGO & COMPANY
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
XX/XX/2022 IAPPLIED FOR A SMALL BUSINESS LOAN ON WELLS FARGO XXXX XXXX XX/XX/2022 and XX/XX/2022 i started complaining and getting nervous about the process XX/XX/2022 I start calling the small business lending XX/XX/2022 i start sending emails, faxes, visits to the branch etc. 
XX/XX/2022 finally the bank start the process and starts reaching out to me XX/XX/2022 more problems, no communication. 
XX/XX/2022 They run my credit score for a second time when i was already approved and they call me to tell me they denied everything.

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 2023-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On or about XX/XX/XXXX, I inadvertently made an incorrect payment amount to XXXX. I contacted XXXX and was ultimately informed for me to file a dispute with Capital One. I did so and since then the credit in the amount of {$5000.00} with XXXX has been reversed. On XX/XX/XXXX, I was contacted by Capital one ( online portal ) that I would be re-billed for the full amount of {$5000.00}. At this point the {$5000.00} that I am being charged for is unaccounted for. Additionally, I also being charged for multiple items that have been returned to XXXX ( tracking already provided to XXXX XXXX Capital One ) and Capital One is refusing to continue with dispute ( XXXX ). I have previously filed a complaint with the XXXX in hopes to get a resolution, contacted customer service, contacted disputes department, contacted fraud department ( XXXX XX/XX/XXXX ), and I have also contacted the corporate office multiple times with no resolution ( XXXX ). A copy of this report ( CFPB ) will be forwarded to Capital One dispute department on XXXX XXXX XXXX  This type of activity is to be considered fraudulent because money and merchandise once again in not accounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I am a natural person and consumer writing this statement from my own knowledge and research of the laws that protect consumers from fraud and other deceptive practices that harm a consumers character, reputation etc. 

I am aware the Bureau is in place to assist me in enforcing my right and to ensure that I am not taken advantage of as a consumer. 

On XX/XX/2021 Transunion LLC removed 6 Inquiries from my consumer report. The deletion was based on violations of the Fair Credit Reporting Act that I submitted to Transunion LLC in XXXX. When there are damages done, remedy is to follow pursuant to 15 USC 1681n for civil liability, which Transunion LLC is accountable for. Transunion LLC may be held criminally liable pursuant to 15 USC 1611 for harming my reputation with fraudulent and private information shared on my consumer report. 

I submitted a request for remedy and it was left unanswered. I have never given written consent to Transunion LLC to report about me as a consumer and through many phone conversations they have given me the run-around about removing fraud from my report. They claim to have done investigative reports but have not provided proof that interviews with my friends, family, or close associates have taken place pursuant to 15 USC 1681a ( e ). I was laughed off the phone when I mentioned this federal law.

I demanded the block and removal of the fraud that has taken place due to identity theft pursuant to 15 USC 1681c-2 ( a ). I have provided my US Passport, Social Security Credit Card ( 15 USC 1602 ( L ) ) and my XXXX bill to help identify myself according to federal law. 

All accounts and Inquires I listed on my Federal Trade Commission Identity theft report shall be removed, as it is my written instruction in my letter and this complaint through the bureau. 

Any account that has been " Investigated '' please attach any interviews that took place with my friends, family, or associates that would be able to validate the account, pursuant to 15 USC 1681a ( e ). The furnisher of the reports are not Original Creditors, I am. block and remove those accounts listed, they are fraud.

Transunion LLC is not a bureau, but an agency that congress called, " An elaborate mechanism '' that assumed a " grave responsibility. '' Now, on XX/XX/2021 I am conversing by way of the Bureau because I have tried numerous phone calls and letters to no avail, with TRANSUNION LLC.

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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 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 2020-12-28
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$4700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$500.00} -This is not my account. 

2. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my 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 2021-11-30
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XXXX, I purchased XXXX token from Coinbase during its initial listing. The price per coin was displaying well over XXXX cents despite that fact that the description was listed as a stable coin pegged to the XXXX YEN. The value of the coin continued to increase throughout the day so I made several more purchases to potentially increase my profits. I then received additional tokens from Coinbase which were converted to another token " XXXX '' at XXXX which held even more profit potential. This transaction was completed and a reference code or hash rate of " XXXX '' was assigned. Several hours later, Coinbase halted trading of the XXXX token claiming to be experiencing technical difficulties through an error message listed on the trading tab for XXXX. The XXXX wallet 's Buy/Sell feature was disabled shortly afterwards as well as the ability to Withdraw or Send tokens from customers portfolios. 

A few days later Coinbase representatives withdrew all remaining XXXX tokens from my wallet. Then less then 24 hours later they returned some of these tokens. All withdrawals and deposits were done without reference codes or accompanying email confirmations as all trades, transfers, deposits and withdrawals do per their own user agreement. On XXXX at XXXX Coinbase representatives withdrew all of the remaining tokens within my portfolio totaling approximately {$1000.00} leaving me with a balance of XXXX. This included tokens which were not XXXX and were purchased with USD through my debit card. I reached out to customer support and received no explanation as to why my account had been drained or my trading capabilities limited. Coinbase representatives also restricted my access to trade, buy, sell or withdraw within my linked Coinbase Pro account which have not been reinstated. After reviewing transactions within my portfolio 's ledger it was also clear to see that XXXX totals had been altered several times. This was even done to my completed token conversion transaction into XXXX which is a direct violation of the customer user agreement. I have several screenshots as proof of the tampering in an effort to force losses onto their customers due to negligence or errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: TX
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 wanted to continuously dispute these incorrect and misleading accounts that the credit bureaus has reported on my credit report. I kept sending them letters since XXXX of this year and I haven't even got one letter of correspondence from their side. I want them to immediately delete these invalid accounts below, because I don't even know why they exists on my credit report. 

XXXXXX/XX/XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX.XX/XX/XXXXXXXX. Account # : XXXX XXXX. XXXX ..Account # : XXXX XXXX. XXXX XX/XX/XXXX Account # : 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 2023-01-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am XXXX XXXX and I want your help me regarding these fraudulent accounts reporting in my credit report. See the documents that I'm attaching here in this complaint.

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 2023-10-06
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting 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 unauthorized inquiries, addresses, and names on my credit report from Experian I did not give any authorization to furnish on my credit report. Please block and delete the following inquiries, extra names, and addresses from my credit report : XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXInquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX Inquired on XX/XX/XXXX Inquired on XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Names : 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 My real government name is XXXX XXXX XXXX 
My accurate address is XXXX XXXX XXXX. XXXX XXXX, AR 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 2022-11-12
Company: EQUIFAX, INC.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX {$2600.00} XXXX XXXX {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 CALLED TO HAVE THE FRAUD ALERT REMOVED FROM MY CREDIT FILE AND THE CREDIT BUREAUS CLAIMED THEY NEVER GOT MY PAPERWORK

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