BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: IL
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 have called numerous times and disputed with XXXX credit bureaus and XXXX XXXX bank as re-aged my account and the credit bureaus are saying that the dates are valid. Also contact company the company will not provide me with any information although I have tried serval times, my Equifax even shows 2016 XXXX date of delinquency but XXXX does not is shows a later date so it may remain to ruin my credit longer but they did remove it. I have tried to get them to give me my personal information after verifying who I am and they are still not willing to help in fixing in formation on credit report they all say information is valid with out proper investigation. 
re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). 

The other XXXX major credit bureaus Equifax and XXXX also did nothing to investigate only wrote notes as though they were valid no investigations were done if they were the would know this account was opened and XXXX date delinquent in 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, 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:
In accordance with the Fair Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602a States I have the right to privacy.

15 USC 1681 section 604a section 2 It also states a consumer reporting agency can not furnish an accurate without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2023-01-27
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX at XXXX in the afternoon I was at my job at XXXX XXXX XXXX Tx, I was withdrawn without my authorization and having the card in my possession XXXX transactions each for {$400.00} for a total of {$810.00}. XXXX, immediately upon seeing the messages on my phone I proceeded to call the COMDATA customer service line to report the theft and request the blocking of the card XXXX, on XX/XX/XXXX I received a letter informing me that they will not return the money because there is not enough evidence, immediately I wrote an email to the same sender XXXX XXXX XXXX of Comdata ( XXXX ) with a copy to the fraud email ( XXXX ) giving my version and exposing my disagreement with the response. On XX/XX/XXXX I received an email from the same XXXX XXXX XXXX informing me that they have already approved the refund of my money in XXXX to XXXX working days, it has been XXXX working days and they have not given me an answer, every day I send him emails and call the phone line informing what happened, the case number is XXXX. Please, this money is the fruit of my hard and honest work. I am asking the XXXX to please intercede and give me a greeting. Thank you very much 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 monetary relief
Consumer complaint received 2022-10-18
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XXXX I ordered a motorcycle accessory from XXXX XXXX, a company in XXXX. The payment was through Pay Pal. I have never received the merchandise and I get a run around from Pay Pal. 
Order # XXXX Pay Pal transaction # XXXX Merchant transaction # XXXX When I try to contact the merchant, I get a request to buy the same product again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
To whom it may concern : Hello, my name is XXXX XXXX, I would like to complain about the money transfer from the Bank of America. 

The money was sent from XXXX bank in XXXX to the XXXX XXXXXXXX XXXX XXXX XXXX XXXX through the Bank of America as a correspondent bank  on XX/XX/2022, XXXX XXXX USD Reference XXXX  number is XXXX, TRANSACTION Bank of America REFERENCE NUMBER is XXXX SWIFT XXXX code : XXXX I have called the bank several times ( the attachments are included ) and send lots of e-mails using this info XXXX XXXX BOFA wire transfers dept XXXX XXXX XXXX XXXX Sanctions Team XXXX ext. XXXX XXXX Bofa compliance department XXXX ext. XXXX - nobody could assist, the answer is the same - as I am not the Bank of America account holder they cant help me, but BOFA hasnt answered my banks requests from XX/XX/XXXX th, 2022. 

The money and the source of income were checked in XXXX by XXXX security. 

The Bank of America asked an English version of the sales agreement, because the XXXX  one was not enough for them, the additional agreement was sent as well to the BOFA with all the necessary signatures and stamps very fast. 

All the previous transactions to the Turkish construction company was done properly and fast through XXXX XXXX. 

This is the first time I experience this situation, that without any reasons the Bank of America is keeping my money. The construction company is charging me penalty for each day of not paying, therefore I had to claim to CFPB, the registered number of my complaint is XXXX SUBMITTED ON XXXX https : //www.consumerfinance.gov/complaint/, XXXX XXXX Resolution XXXX XXXX XXXX  Bank of America XXXX XXXX XXXX XXXX XXXX XXXX doesnt reply, all my phones calls go directly to his voicemail. 

Best wishes, 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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them 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 non-monetary relief
Consumer complaint received 2023-09-20
Company: Winklevoss Exchange LLC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have an account at Gemini.com with USD and BTC holdings. I went to withdraw USD and BTC and both have an unexpected error " security hold '' on account. I have had the account since XXXX and have fully verified who I am and where the money is withdrawing to a US bank. 

Error 1 : Sorry the BTC withdrawal can not be completed at this time. Reason : security hold. 

Error 2 : A maximum of {$0.00} can be withdrawn to the account at this time. To remove restrictions you must first withdraw : {$6100.00} to XXXX XXXXXXXX XXXX checking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
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 sent several letters out to Experian, XXXX, and XXXX beginning XX/XX/2022. I have been working on my credit, and have not received any responses from any of these companies. 

I just found out that if the credit agencies do not respond in 30-40 days, it is unlawful.

According to 15 Usc 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-06-27
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:
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 1666A 1666B 1666C 1666D 1666E and 1666F. XXXX XXXX XXXX XXXX XXXX XXXX 
A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Privacy and Consent, there is no law stating that late payments have to be reported. 
This has to be a billing error and needs to be corrected, effective immediately. 
This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise.

I am asking that they remove all information from my credit report 's and that's all 3 bureaus including, 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 2021-03-11
Company: OneMain Finance Corporation
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: Account status incorrect

Complaint:
I had an account with one main two years ago. I had lost of income however recently settled with the company. I asked them to delete because information is totally inaccurate. This account shows charge off for this year, last year and the previous year. XX/XX/XXXX was last payment. As of XX/XX/XXXX they have charge off on my account which continues to reset my credit. Ive contacted their CEO and executive office. Initially they were responsive but after a while not so much. I want this removed from my credit. Ive emailed the CEO XXXX XXXX as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
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: 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 Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX... Balance : {$2400.00}

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 2019-04-12
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: Account status incorrect

Complaint:
My complaint is against XXXX and Experian credit bureaus. They are both reporting 2 accounts that had fraud charges. The first account is from XXXX  XXXX XXXX, account # XXXX open XXXX 2013 and the second account is from XXXX XXXX XXXX, account # XXXX date open XXXX 2013. I already tried disputing this directly with the banks but refuse to delete accounts. I have been a victim of fraud charges therefore this information has to be deleted as soon as possible. The FACRA requires you to block the fraudulent information from my credit reports resulting from FRADULENT CHARGES within 4 days and promptly notify the business that sent you that information.

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
( DISPUTE CODE - 103 ) My personal information was stolen in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate inquiries and addresses I have listed, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX 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 an account without my handwritten instructions. 
15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2019-04-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The reason I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on XXXX. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts. 
For yet another time, my personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts. 

Below are the fraudulent charged accounts that I need to be removed Asap : 1.XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$600.00}, Limit {$500.00} I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a 6 month advertising agreement with XXXX for my XXXX XXXX XXXX. Communication with them was always by email. I told them to cancel my account and for 2 months they repeatedly sent me notices about my payment not processing. They actually billed me for 7 months and said it auto-renewed. 

They also changed the layout of the website and it longer featured my ads across the top. So they were not even providing what I had contracted for. 

I am now getting harassing calls from a girl named XXXX at a collection company called XXXX XXXX XXXX XXXX - XXXX XXXX XXXX. XXXX XXXX, CA XXXX. 

I Have told her she can't just call me on the phone and I need something in writing and I thought it had to be certified mail or return receipt. She stated she sent a letter, but I never received it. I have since researched the payment history ( attached ). 

She is threatening to turn me into the credit bureau 's. I do not owe Homes.com anything in fact I should be entitled to a refund of the 7 month 's extra billing. 

Payment History attached.

Company response to consumer: Closed with explanation