BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-11
Company: EQUIFAX, 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:
15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties.

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports Section 15 USC 1681A Late Payments Are Illegal!

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

These accounts are fraudulent and identity theft and need removal XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-24
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 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 2022-05-19
Company: SYNCHRONY FINANCIAL
State: OH
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 XXXX Account # 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 a consumer reporting agency can not furnish a 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 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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2022-05-19
Company: STERLING JEWELERS, INC.
State: OH
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 XXXX Account # 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 a consumer reporting agency can not furnish a 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: WELLS FARGO & COMPANY
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:
On XX/XX/XXXX I was reviewing my XXXX Credit report and not a Dillard 's account that was reporting as a charge-off. I sent a certified letter to Dillards dated XX/XX/XXXX as for verification and validation of the amount listed on my credit report. ( See attached letter ) I received a letter from Dillards dated XX/XX/XXXX, only providing me with none of the information that I requested for in my letter to them. They completely overlooked the information asked for in order to identify that this alleged charge-off truly belongs to 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 2022-02-06
Company: EQUIFAX, 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:
THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I WAS MISLEAD AND PAID A COMPANY USING MY 2 CREDIT CARDS. I PAID XXXX XXXX {$3200.00} ON XX/XX/2012 AND ANOTHER {$8800.00} ON XX/XX/2012 WITH MY XXXX CREDIT CARD.. I PAID WITH MY CREDIT CARDS AND HAVE TRIED TO DEMAND A REFUND FROM THE COMPANY AND CREDIT CARD COMPANIES. THIS COMPANY TOOK ADVANTAGE OF A SENIOR CITIZEN AND DID NOTHING AT ALL FOR ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 u.s.c 1681. These are the name XXXX XXXX XXXX XXXX # XXXX. State of Michigan XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX # XXXX ( 2 ) 15 u.s.c 1681/ section 602 A States I have the right to privacy 15 u.s.c 1681section 604 A section 2 also States a constant reporting agency can not a account without my written instructions 15 u.s.c1681/c ( a ) ( 5 ) section startes ; no consumer redorting agency may make any consumer report containing any of the following items of information any other than records of conviction of crimes which antedated the report by more than 7 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 cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
I have been a coinbase client for multiple years with no issues at all. My account is fully verified with my ID and I already have my bank account/s linked to coinbase. I have done many deposits, withdrawals, and transaction on coinbase with no issues at all. 

On XX/XX/2022, almost 2 months ago, I received an email saying that my account is restricted and being reviewed and I cant use it at all. This was out of the blue. I havent used this account much at all, and around the time Coinbase froze my account I wasnt actively using it at all. 

I contacted Coinbase a couple days later through chat and I was told to re-upload my ID and update any information, which I did. I waited a couple weeks but nothing happened. I contacted coinbase again and I was told to do the same thing and wait. It has been almost 2 months now! I have asked for a reason for the freeze on the account and no reason if provided. I asked to close the account and get my money back and I was told that this is not possible. I believe there might be some discrimination against me in this situation as theres absolutely nothing that I can think of that would cause my account to be frozen, and have them take over 2 months to look into this! 

Im asking for a clarification from coinbase, I want my account to be unrestricted and I want to get my money back. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-19
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:
IT APPEARS, Account # XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have a 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 instr
uction.

Attempted To Resolve XX/XX/2022. 
XX/XX/2022, I Received Email of Refusal to Comply via 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 2023-05-09
Company: EQUIFAX, 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 sent a letter to remove ( personal information, address, accounts name & account number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this in my previous Complaint # & I am including it again : XXXX XXXX XXXX XXXX  XXXX, XXXX, AR XXXX ; XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$760.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$20000.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, XXXX , AR XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX , AR XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX , FL XXXX ; XXXX XXXX XXXX, XXXX XXXX , AR XXXX ; XXXX XXXX XXXX, XXXX XXXX , AR XXXX ; XXXX XXXX XXXX XXXX , XXXX , AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX , AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX , AR XXXX ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$730.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$760.00} ; XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$20000.00} ; XXXX XXXX Open Date XX/XX/XXXX High Balance {$15000.00} ; Us Dept Of Ed/XXXX XXXX Open Date XX/XX/XXXX High Balance {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$0.00} ; XXXX XXXX XXXX XXXX Current Balance {$860.00} ; XXXX XXXX XXXX XXXX Current Balance {$3800.00} ; XXXX XXXX XXXX XXXX Current Balance {$2400.00} ; XXXX XXXX XXXX  XXXX Current Balance {$730.00} ; XXXX XXXX XXXX XXXX Current Balance {$1500.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$760.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$20000.00} ; Us Dept Of Ed/XXXX  XXXX Open Date XX/XX/XXXX High Balance {$0.00} ; XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Current Balance {$5300.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Synovus Bank
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2018 I logged into my Citi account to make my monthly payment on the two credit cards I have with them. One card is due on the XXXX, one is due on the XXXX. I made payments to both cards that day. In the past with Citi, I had an issue with my payment not going through on one other occasion roughly a year ago and was assessed a late fee of {$25.00}. At the time, I was relatively certain ( but not 100 % ) that I had made the payment but I paid the late fee since I couldn't say with absolute certainty that I had. Since that time, I have been extremely vigilant about making sure my payments say they are processed when I make them. I can say with 100 % certainty that both payments made onXX/XX/2018 were submitted properly. 

I received a call from a Citi representative on my cell phone at work today. I was informed of the past due amount and when I told him that I had made the payment, he told me that the last payment was made inXX/XX/XXXX. I told him I would look into it and get back with them this evening. He kept going on and on, so I disconnected the call. 

I arrived home and logged onto my account and then engaged an agent ( XXXX ) via the chat feature. I gave him the information he requested, he said he would initiate an investigation, and I asked him to wave the late fee and I would make another payment right now. He told me that he was unable to do so and here we are.

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 2023-01-24
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:
There are accounts that are not mine.. Ive been a victim of identity theft And with one account in particular I was misled given false information when I agreed to settle the account. Also I see false addresses on my account.. and when I tried to file a dispute.. the system will not allow me.. Also after speaking with someone about the issues.. checking later none of it has been removed

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 2022-05-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My home was destroyed XX/XX/2021 due toStorm the Insurance company paid a settlement for the house and it was sent to the mortgage company it has been sitting in an account for almost a year and we have been paying rent and storage trying to sell the vacant land the mortgage company put forced insurance on just the lien when the insurance company could no longer ensure the property I have tried to get the 3 inch the mortgage company to remove the forced insurance because we have a buyer for the land and with the amount that we were asking it will just pay off the mortgage if they dont remove the forced insurance there will be not enough moneyTo pay the loan off the mortgage off with the XXXX XXXX  that they are holding and we have asked repeatedly please help let us pay that mortgage off we dont get any proceeds from the sale we have lost everything and they refused to to give us any assistance or even answer our questions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2023-10-25
Company: ROBINHOOD MARKETS INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have stocks in an account held by robinhood investment. I had issues with my online account and reached out to the company support team, through their online app via live chat, which is their preferred method of communication, and left a message. I later received a callback by an employee of robinhood regarding my issue and to assist with resolving same .As a result of the process or method used to provide the help, i ended up being scammed, resulting in money being removed from multiple accounts. Since then i have been unable to reach anyone or receive a response to emails i sent robinhood. I received calls from multiple people but none were able to verify that they were legitimate employees who could assist me with resolving the issue regarding the fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: CITIBANK, N.A.
State: NY
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:
Home Depot credit card was supposed to respond to me within 90 days of the prior complaint didnt respond to 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