BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-10-07
Company: Experian Information Solutions Inc.
State: MO
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:
I hope this letter finds you well. I am writing to express my deep disappointment and frustration regarding the second attempt to remove fraudulent items from my Credit Report with Credit Bureaus. Despite my previous efforts to address this issue, I am disheartened to find that the fraudulent charges remain unresolved. 

As I previously communicated, I reported several unauthorized and fraudulent charges on my account. In response, I diligently followed your company 's prescribed procedures, promptly notifying your customer service department and providing all necessary documentation to substantiate my claims. Following a thorough investigation, I was assured that the fraudulent charges would be promptly removed, restoring my account to its accurate state. 

To my dismay, I recently received my most recent account statement, which still reflects the same fraudulent charges that I initially reported. This ongoing issue not only causes financial distress but also erodes my trust in your company 's ability to protect my financial interests. 

I have attached copies of my previous correspondences with your company, as well as the documentation that clearly demonstrates the fraudulent charges in question. It is crucial to emphasize that these charges are the result of unauthorized transactions that occurred without my knowledge or consent, and I have taken all necessary steps to prove their fraudulent nature. 

I urgently request that you take immediate action to investigate and rectify the fraudulent charges on my account. These charges have not only caused undue financial hardship but have also seriously impacted my confidence in your company 's commitment to customer security and satisfaction. 

Additionally, I kindly request that you provide me with written confirmation once the fraudulent charges have been removed from my account, along with an explanation of the corrective actions taken to prevent such incidents from recurring in the future. Customers like me rely on your company 's security measures and prompt resolution of fraudulent activities to maintain trust and satisfaction. 

If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your immediate assist to remove the following fraudulent items : 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 explanation
Consumer complaint received 2021-03-12
Company: Experian Information Solutions 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:
On XX/XX/2020 I submitted a return to sender letter to Experian for the fraudulent information on my account provide by XXXX XXXX. I never received a response for my inquiry in the investigation. XXXX XXXX claims I owe over {$5000.00} but I have no knowledge of the account. I have attached documents for my investigation with Experian.

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 2023-10-07
Company: Experian Information Solutions Inc.
State: TX
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : 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 TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$170.00}

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 2021-03-12
Company: Hiday & Ricke, P.A.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
TODAY MY BANK ACCOUNT WAS WITHDRAWN OF ALLLLL MY MONIES THAT I LIVE ON LEAVING ME WITH A XXXX BALANCE! ... THEY TOOK {$5400.00} TODAY .. .MY MONIES COME FROM MOSTLY GOVERNMENT AND FEDERAL MONIES THAT WERE TAKEN FROM ME BY A COLLECTION AGENCY THAT NEVER SENT ME A CERTIFIED LETTER PRYOR TO DOING SO TO VALIDATE ANYTHING ... I'M ON UNEMPLOYMENT BENEFITS, FOOD ASST. AND RECENTLY WAS GIVEN OTHER GOV. AND FEDERAL MONIES DUE TO THE PANDEMIC ... IN ADDITION, I RECENTLY HAD XXXX XXXX .... I HAVE NO OUTSTANDING DEBTS LISTED ON MY CREDIT REPORTS ... IF THERE ARE ANY OLD DEBTS, THEY ARE UNSECURED DEBTS THAT HAVE REACHED THE STATUE OF LIMITATIONS = TIME BARRED ... THIS IS UNACCEPTABLE ... AND NOW I'M AFRAID OF OTHER GOV. MONIES WILL BE TAKEN FROM ME .. I HAVE NO OTHER CHOICE BUT TO CLOSE DOWN MY BANK ACCOUNT NEXT WEEK BECAUSE OF THIS FRAUDULENT WAY OF THEM DOING THEIR BUSINESS! AND MY BANK SAYS THEY CAN NOT DO ANYTHING, THERE WAS A COURT ORDER LISTING THIS DEBT COLLECTION AGENCY AS HIDAY & RICK PA. LOCATED IN XXXX, FL. ... I WANT MY MONEY BACK NOW!!! YOU CAN TELL THEM I WILL BE TAKING THIS TO THE GOVERNORS OFFICE OF FLORIDA AND ALL OF THE NATIONS NEWS MEDIA TO LET OTHER PEOPLE KNOW WHO ARE STRUGGLING DURING THIS PANDEMIC, THAT THESE COMPANIES EXIST! HOW ARE THEY ALLOWED TO GO INTO XXXX XXXX ACCOUNTS AND TAKE THEIR MONEY!! ESPECIALLY DURING A WORLD WIDE CRISIS THAT IS NOT OVER YET ... THIS NEEDS TO STOP NOW!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXXXXXX Balance : {$7900.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$9400.00} ; XXXX XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX : {$7700.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/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 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX send a letter to all Three Major Credit Bureaus to inform that due to COVID i had a no payment requirement from XXXX through XXXX. Payments should be changed from late payments - XXXX shows 30 days late, XXXX through XXXX shows 60 days late. THis should be changed to on Time or NA so that it does not impact my score. I have been negatively impacted and it is affecting my ability to obtain credit for a home. XXXX XXXX send notification to XXXX, Transunion and XXXX so that it can be updated. Please remove this inaccurate information from my credit report immediately. 
This account was handled incorrectly with XXXX XXXX causing me to pay more than what i had to pay every month. XXXX XXXX agreed to remove the late payments and update as positive. Please update the late payments from XXXX through 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 2022-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank of America is not being honest and took money from my joint account with XXXX XXXX. There is no wage garnishment against XXXX XXXX who is XXXX  XXXX and stays at my residence. There was nothing served or filed with the courts. The Case Number is a Collection Debt Agency, NOT a Court Order. XXXX XXXX has never been contacted by anyone for this debt that is beyond the statute of limitations in the State of Florida for collection. 

We are requesting the money be returned to my account with interest. XXXX XXXX and I have tried to get a copy of this supposed wage garnishment and there is not one, it does not exist, and it is beyond the State limits to collect on this account or even obtain an order. Bank of America refuses to provide a copy of the Lawyer or Court Filing Information. 
There is a pending case XXXX that this is being added to now that Bank of America has responded to that case, this is a new case since they refuse to supply proof.

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 2023-09-21
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
American Express previously suspended my access to my BlueBird and Serve prepaid cards which was an automatic action their algorithm did.

They reactivated the cards following a CFPB complaint I just issued a week ago. 

However, they left the Add Money Via Debit/Credit Card feature disabled. 

When I was trying to get the accounts reactivated as a whole one of the reps sent me an email that would allow me to activate the debit card add feature by verifying my ownership of the card I was adding by sending a scan of both that debit card, and my drivers license.

The only issue was at the time my account logins were still deactivated due to the algorithm but that caused this all and I could not login with the link the rep sent as it required me to have a working Serve login.

So, I am requesting that American Express *FULLY* reactivate my Serve and Bluebird accounts ( as I requested in the previous CFPB complaint ) by reinstating the debit/credit card add money feature. 

I will attach a copy of the email the representative sent to my offering to fix this problem. 

All of your phone reps act as if they are totally unaware of this process and are advising me I am permanently banned from the service. ( the reason for that is never given and I have no earthly clue why that would be ). 

Serve card number : XXXX Bluebird card number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing these account for exactly 4 years. I have submitted police reports, ftc reports, notarized letters, etc. The credit bureaus claims that the creditor is providing them with proof the accounts belong to me. When I ask to see the proof I am directed to the creditors, when I call the creditors I cant get past verification because the accounts do not belong to me. I have been getting the run around for 4 years, so I have sued the creditors since it is the creditors, in accordance the bureau, that has to be provide me proof. I have been advised by my attorney to dispute the following accounts 1 ) security service account number XXXX and 2 ) XXXX XXXX account number XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX account number XXXX 5 ) XXXX account number XXXX 6 ) XXXX account XXXX and XXXX  XXXX account number XXXX and to inform the bureau that the account are now in litigation, however I can't dispute online and when I call I get the run around from person to person department for days. Per my attorney the accounts listed in this complaint are now in litigation and I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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: EQUIFAX, INC.
State: NE
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 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 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: CAINE & WEINER COMPANY, INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company continually fails to comply ( acct XXXX ). XXXX ) I have requested a copy of this companys TENNESSEE COLLECTION SERVICE LICENSE. The Tennessee Collection Service Board licenses and regulates collection agencies ( attached ). Tennessee Collection Service Act 62-20-105 -License requirement ( a ) No person/business shall commence, conduct or operate any collection service business in my state unless the business holds a valid collection service license issued by the board under this chapter-UNLICENSED ACTIVITY.

In addition,15 USC 1681 ( a ) ( 4 ) -I have the right to privacy.

15 USC 1681b ( a ) 2 -states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. Under 15 U.S. Code 1681c ( a ) ( 5 ) -states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years.

Ive also requested : 2.A complete Audit Trail calculation of this balance, including the complete payment history on account, so I have proof the debt amount is correct.3.Documentation that shows I agreed to pay you this debt with signature and which shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to having my information and unauthorized use of my social security number is identity theft and will be reported for such.4.The Agreement that grants you authority to collect on this alleged debt.5.The purchase agreement showing where you purchased my personal information without my consent which is fraud because you are unknown to me I never did business with you 6.Senior Executive from your office to Swear under penalty of perjury this corporation was present during the alleged debt 7.The Original Promissory Note on this Alleged Debt.

Multiple FDCPA violations. Sending deceptive forms, false & misleading representations, validation of debts, unfair practices. This will now be investigated by the FTC, CFPB, Tennessee Collection Service Board, and AG. Please, no adverse actions against me, and no reinsertions. I have to proceed with legal action for violations ALREADY committed if this collection is not closed and removed from my credit reports immediately.

Attached : 1 ) Full Dispute 2 ) FDCPA violations 3 ) Tennessee Collection Service Act 4 ) Credit Report 5 ) FTC Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: TN
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:
This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$2500.00}

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 2021-03-11
Company: Coinbase, Inc.
State: IL
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 close my Coinbasepro account which had {$67.00}. I pushed the wrong button and accidentally transferred {$67.00} from my XXXX account into the Coinbasepro account, increasing the balance to XXXX. I contacted XXXX to stop the transfer of money, which they did. Coinbasepro does not allow cancellation of transfers. I log back on Coinbasepro and try to transfer my funds back into chase to close the Coinbasepro account, and now I am greeted with a warning, telling me that my ability to withdraw has been restricted unless I come up with {$67.00}! They are saying that I owe the {$67.00}. I can not get my remaining balance out, and they are now charging me {$2.00} each day I am delinquent. 
Coinbase Pro does not have any customer service phone number or email. Just automated service that does not answer specific problems. Date of incident XX/XX/21

Company response to consumer: Closed with explanation