BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-07
Company: ERC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
1. XXXX  said they sold the debt, making ERC a debt purchaser. 2. On my Credit reports it shows them as the current holder of the debt, meaning they are the debtor and not XXXX. 3. XXXX  didnt sent billing statements to me because they entered or misspelled my home address. 4. The debt collector didnt sent me the correct correspondents and they admit they had the incorrect address information. 5. On XX/XX/XXXX I sent a debt validation letter after no ever receiving a correspondent from ERC or XXXX. 6. ERC partially responded to my debt collection letter. 7. ERC provided me billing statements that only listed a amount owed without a break down of chargers. It went from {$350.00} to {$700.00} without any billing marks or notations. 8. ERC did not explain and show me how you have computed the amount as requested on my debt validation letter on XX/XX/XXXX9. ERC did not Send me the copies of any documents that prove I agreed to pay the alleged amount or contracts as requested on XX/XX/XXXX 10. ERC did not Confirm that the account has not crossed the SOL period as requested in my debt validation letter 11. ERC did not Prove/show that they are a licensed debt collector as requested in my debt validation letter 12. ERC did not prove/show me their license numbers and registered agent as requested in my debt validation letter 13. ERC still reported on my credit report with out following all the legal steps and violated my rights as a private citizen. 14. Lastly the debt validation response they sent me only contained blank billing statements without any information on any of the amount they spoke of 15. ERC needs to removed this debt from my credit report until Im able to verify this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited two separate tuition checks. Bank placed a hold for 5 business days. Check is local and they made no funds available. Ive been banking with them for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Exeter Finance Corp.
State: KY
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:
Ive filed a dispute with XXXX, but the company Exeter LLC mailed me that I owed {$9100.00} which on the phone I was told by a sales representative that I owed {$8400.00}. Im contacting the Consumer Finance being that its incorrect information on my credit report. Along, with me never even having knowledge that there was a car under my name until it was completely totaled being that someone used my information to obtain this car. Id hopefully like to get this issue resolved without having to seek out an attorney, but Im filing a complaint for this reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2018-03-07
Company: DISCOVER BANK
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
A refund was issued by XXXX XXXX XX/XX/2018 to my XXXX. 
Refund was posted on XX/XX/2018 and appears so on my XXXX XXXX statement. 
Merchandise accounting for 100 % of this refund was returned in good condition to the merchant in advance of the refund. Merchandise return was verified by XXXX management and management issued a credit for {$6000.00} posting XX/XX/2018. 
On XX/XX/2018, XXXX weeks after posting to the {$6000.00} refund, there was an " accounting adjustment to dispute '' entered on my online history as posted. 
On XX/XX/2018, I verified with multiple representatives of XXXX that this {$6000.00} was NEVER a disputed transaction. It was a refund issued by the merchant for returned goods received in good condition and verified. 
I have spoke to over XXXX people at XXXX asking each individual who initiated this refund and to what person or entity the accounting adjustment money was going to because it is the only entry on my credit history that does not have a payee. 
All XXXX people at XXXX told me that they could not tell me who did this accounting adjustment or to whom the money was going to be paid? I opined that as a matter of record of any financial transaction, you need to have an initiating party and a payee. The only response I got was that they would take it under investigation. 
Please to not lose sight of the fact that this {$6000.00} was a POSTED transaction done XXXX weeks ago. I did not dispute or authorize any changes to this transaction and XXXX agrees but still is charging me the false {$6000.00} when I have no goods from the merchant. XXXX told me there is no record of this refund being disputed, they can not see who did this charge to me or to whom the money goes. XXXX also said there is no record of any reason in my Discovercard history of why this refund would have been reversed, yet XXXX WILL NOT even give me the basic information of who did or requested this reversal or where the money is going. Discovercard claim as this point they don't know. I question that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I logged in to my Coinbase account, then went to take a shower when getting out and looking at the phone Coinbase site I noticed that someone tried to make a transaction I immediately called because their was no transaction and they still can't find it but have sold my crypto to pay XXXX for a transaction that they said didn't go through and have sold XXXX of my crypto but I still have nothing to show for it, they said the account have been compromised but say it's my fault, by not resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Universal Credit Services, Inc
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Universal Credit Services ( UCS ) has reported to XXXX that I am owing {$380.00} in medical bills. 
The bill is in someone else 's name and the person in over XXXX. Secondly, I made a lump sum payment of {$640.00} to Universal Credit Services that possible covered that amount too, Either way, I do not owe that money and it should not be in my credit report. 

I contacted UCS several times and once spoke to a lady name XXXX and emailed her multiple times to take care of this and to date nothing has been done except she keeps telling me they are investigating. 

I believe UCS has 30 days to confirm or remove it from my report. It's been over 30 days since my initial complaint. 

I want it removed from my credit report. 

Thank you. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I believe that I have a legitimate complaint against Wells Fargo Dealer Services. This problem started when I lived in the state of XXXX and right before I moved to the state of XXXX. On XX/XX/2017, I made a trade in on my former vehicle. The deal was finalized on XX/XX/2017. The payoff was requested and the transfer of vehicles that same day. The payoff from Wells Fargo Dealer Services was requested by the finance company implemented by the dealership. However, even though the transfer was finalized well within the 30-day timeline to be reported late, Wells Fargo has violated my rights under the Fair Credit Reporting Act on several levels. Most importantly, this organization has hundreds of complaints against their reporting and collection methods on the internet. The reporting shows as follows on all three respective credit bureaus : XXXX  : 30-days late XX/XX/2017, XX/XX/2017 and XX/XX/2017 XXXX  : 30-days late XX/XX/2017 and XX/XX/2017 XXXX XXXX : 30-days late XX/XX/2017 and XX/XX/2017 This reporting is absurd, as the transfer date should have been the date of wire transfer of funds releasing title to the dealership. Wells Fargo Dealer Services has gone through large measures to cause major damages to my personal credit report. The late payments need to be purged immediately and permanently. I believe that Wells Fargo Dealer Services is also in violation with their subscriber agreement with XXXX, XXXX  and XXXX XXXX respectfully. I am posting a complaint with the major credit bureaus directly. I simply cant purchase a new home with the way this particular credit trade line is reporting, and its simply a clerical error ( s ) with Wells Fargo Dealer Services being the sole responsible party. This matter needs to be addressed and corrected 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 non-monetary relief
Consumer complaint received 2018-07-29
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
COLLECTOR FAILED TO VALIDATE BOTH COLLECTION ACCOUNTS FOR XXXX, THEY WERE PAID LATE BY MEDICAID! THEY CALLED XXXX XXXX XXXX CELL 11 TIMES IN VIOLATION OF T.C.P.A. AND INDIANAS DON'T CALL REGISTRY.

THEY ARE UNLAWFULLY REPORTING TWO ACCOUNT ON ALL BUREAUS W/O FEAR OF BREAKING STATE LAWS.

WE ARE STARTING A CLASS ACTION EFFORT TO ELIMINATE FURTHER CONSUMER LAW BREAKING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: NV
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: Was not notified of investigation status or results

Complaint:
Experian is knowing and willfully report inaccurate information on my report causing me emotional stress and stated they would remove on the cfpb portal but continues to report it causing me harm and defaming my charter. They were told on several occasion in writing this is identity theft I never gave anyone written permission or verbal to share my private transaction to make a profit off me. Its there grave responsibility to make sure they investigate transactions before they report on my consumer report and failed to do so! Pursuant to the FCRA, providing inaccurate financial information to credit reporting agencies is illegal. They just marked it verified never sent method of verification an sent me proof that I have a contract with these collection companies or the forward flow sheet. I have a right to privacy and you violated me for the last time. Never Sent me Document that shows me I am LEGALLY OBLIGATED to pay this alleged debt. A simple answer of been verified doesn't constitute an appropriate legal nor lawful response

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 2023-06-05
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX Balance : {$6100.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00}, XXXX XXXX  XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX  XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022 & XXXX XXXX Date of Inquiry XX/XX/2022,

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 2023-06-05
Company: Experian Information Solutions Inc.
State: KS
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:
On XXXX I submitted a dispute with Experian letting them know that fraudulent accounts from XXXX XXXX that my father took out in my name were appearing on my credit report. I also contacted XXXX XXXX to gather more information about the fraudulent accounts and to get them to remove the information. After talking with XXXX I was told the accounts were open several months ago, sometime towards the middle of XXXX. After Experian completed their investigation they failed to remove the accounts stating that XXXX XXXX attested that the information was accurate. There are a couple of problems with this ; the first being that accounts dont belong to me so Experian has allowed XXXX XXXX XXXX place fraudulent information on my credit report with no due diligence. The second being that from what I was told about the fraudulent accounts they were opened well before XX/XX/XXXX but contain no information prior to that date. The lack of information about these fraudulent accounts prior to XX/XX/XXXXXXXX  is hindering my ability to work with identity restoration experts to clear my name. So I am demanding that Experian perform a proper investigation and remove these fraudulent accounts. Ive attached a copy of my credit report and you will see there is little to nothing about these accounts. No payment history, nothing of use in my ongoing fight to clear my name.

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 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including bankruptcies. These items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX {$1800.00} XXXX  XXXX XXXX {$3800.00} XXXX  XXXX XXXX  XXXX {$16000.00} XXXX XXXX {$0.00} XXXX/XXXX  XXXX {$33000.00} XXXX/XXXX   XXXX {$1200.00} XXXX/XXXX  XXXX {$610.00} XXXX XXXX {$460.00} XXXX  XXXX {$6800.00} XXXX/XXXX  XXXX {$700.00} BANKRUPTCY CHAPTER XXXXFILED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Request for immediate and urgent removal of the following unauthorized/unrecognized/unwarranted inquiries from my XXXX, XXXX and transunion credit reports. 

XXXX ... ... ... ... ... ... XXXX XX/XX/XXXX XXXX XXXX ... ... XXXX XX/XX/XXXX XXXX XXXX ... ... ... ... XXXX XX/XX/XXXX XXXX XXXX  ... ... ... ... ... XXXX XX/XX/XXXX XXXX  XXXX ... ... ... ... XXXX XX/XX/XXXX XXXX XXXX Dealer ... ... XXXX XX/XX/XXXX XXXX XXXX ... XXXX XXXX XX/XX/XXXX XXXX  XXXX  co XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX  mortgage Serv ... XXXX XX/XX/XXXX XXXX Auto finance ... ... ... XXXX XX/XX/XXXX Action taken by me : All accounts are in dispute. Thanks for your prompt assistance.

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 2023-04-21
Company: Payward Ventures Inc. dba Kraken
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I wanted to learn about trading and investments. I was recommended to get in contact with this firm. 
XXXX was my personal consultant. 
She was very nice and helpful in the beginning. 
When I finally made some Money and wanted them out from them-I started getting those excuses and lies about the reason why my money still didnt hit my bank account. 
First, they made me to pay {$5700.00} taxes which they got within three hours. They promised that my money will be on my account after that within a few hours as well. 

Its been a week since I cant the money out. They froze somewhere. No one can tell me the truth. XXXX, XXXX, XXXXall those people cant help me and kept promising that it takes time. 
Please, help me!!!

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 2023-06-05
Company: Experian Information Solutions Inc.
State: PA
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 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.

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 2021-08-10
Company: EQUIFAX, INC.
State: CT
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Their is incorrect information on my credit report including my previous address and hard 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 explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
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:
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. 

Account Name : XXXX  XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX  # XXXX XXXX Account Name : XXXX  XXXX # XXXX, Account Name : 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 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 crime which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief