BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: MS
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to report an incident of identity theft that has caused significant distress and financial harm. My personal information was illegally used without my consent, resulting in unauthorized transactions and suspicious activities on my accounts. 

I have taken immediate steps to secure my financial assets and filed a report with the Federal Trade Commission ( FTC ). I am seeking your assistance in investigating this matter and apprehending the individuals responsible. 

Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: First National Collection Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was originally contacted by : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Hours of Operation ( CST ) : Mon-Fri XXXX - XXXX, Sat XXXX - XXXXXXXX XXXX XXXX XXXX in XX/XX/XXXX about a debt with XXXXXXXX XXXX. I have never had a financial relationship with this company and have no outstanding debts with them or with anyone in the amount claimed. I disputed the claim, but it took 3 months and dozens of emails for them to stop. 

On XX/XX/XXXX, I received an email from : First National Collection Bureau , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PST, Mon-Fri www.fncbnv.com for the same debt. I have disputed this debt as well. Both collections companies are using a postal address at which I have never lived ( I have never even been to XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX So clearly instead of terminating any attempts to collect this invalid debt, they simply sold it to another company. Each time they have threatened that not responding will legitimize this debt, however, they never acknowledge correspondence disputing the debt. I need CFPB 's help putting an end to this harassmet

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 according with the fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), has violated my rights. 

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 furbish an account without my written instructions.

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 2023-08-19
Company: EQUIFAX, INC.
State: NY
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2021 I made 2 purchases of {$50.00} each of Bitcoin on Coinbase ( total {$100.00} ). 

On XX/XX/2021 Coinbase withdrew {$50.00} three times from my bank account ( total {$150.00} ). 

I have sent several emails requesting a refund of the third {$50.00} withdrawal. 
All I get in return is a generic email with no name attached telling me that the issue has been resolved, but it has not. 

They still have not deposited a refund in my Coinbase account or in my bank account as of today, XXXX 

Apparently no one has actually looked at my account to resolve this. 

Also I have received these dismissive responses for other inquiries. They just send an email saying the " case '' is closed. Less than helpful customer service. 

Thank you for your help. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 : {$470.00}, XXXX XXXX  XXXX Balance : {$12000.00}

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 2021-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
I received an alert from XXXX that Bank Of America reported me 30 days late in XXXX of 2021. I have never made or been 30 days late on any credit card payments. 

After receiving the alert from XXXX XXXX I contacted Bank of America on 2 separate occasions I explained to them that I have never been 30 days late in which the customer service rep agreed. She also stated she would place a research ticket and someone would contact me once the ticket had been reviewed. 

I have not received any phone calls, letters or emails from Bank of America stating I was late or in jeopardy of being late. During the call I instructed the agent that the online access to my account for payments had been blocked for some reason. I also explained that I never had a returned payment so there should be no concerns of a returned payment. 

The agent ask me to go online while she was on the phone to try and make payment so she could see if it would g through. I tried to make payment and sure enough the account was blocked from making the payment. The agent put me on hold and said that she needed to write up my issue and she would be back with me, once she came back to told me she had a long write up and my credit should be corrected and and someone would be contacting me. I explained to her that this was my 3rd effort to get this corrected and my next attempt would be with the CFPB or AG 'S office she assured me my account would be fixed. 

I told her my account had been closed for years but I never missed a payment she told me she noticed my accounts were closed and that should not effect access to me making online payments. I also explained to her that eventually the I needed a response and my credit repaired since my score dropped 65 points. 

The agent ask me to stay online with her she was going to transfer me to online support to find out why I could not have access to making online payments. The agent said she would get support desk on the call and explain to them the issue and then transfer me to them so I would not to continue to hold. Apparently she was not able to do that because I was transferred and was put on hold for over 1:45 minutes until i just gave up. I have called back two times since then and still no help. My wife and I have noticed that after the late fee payment date i get access to make the payment online.

This entire process has been terrible the customer experience has been horrific Bank Of America is in violation of the Fair Debt Credit Reporting Act. I received no correspondence for a late payment and no calls. It has been 60 days with no response to any of the several complaints I have made.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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  XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Initial Mortgage loan from Wells Fargo, said before signing payment would be {$780.00}, After signing, Wells Fargo sent a payments would be {$1100.00}, barely afforded payments, said we had to go to county treasurer for new tax assessment 8 months later, got it taking care of. Had to lower payment to credit cards to meet mortgage, causing us to have more fees from these cards, as soon as we could, we switched to any lender other then Wells Fargo Mortgages.

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 2021-03-10
Company: VW Credit
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I bought my lease out at the end of the 3 year term in XX/XX/XXXX. I maintained perfect payment history the entire term of lease. I purchased the car from Volkswagen Credit through my credit union. Everything was done over phone and email between me and VW Credit. At the time of purchase, VW credit charged me the cost of the vehicle only. The total cost did not include state tax & title transfer fee. I was told that I needed to handle that on my own. I took care of the state tax, plates, title transfer through my Secretary of State DMV. Last XX/XX/XXXX, I received an invoice from VW credit stating that I owed Lease turn in fees. {$1000.00} charge. How is that possible when I purchased the vehicle? When I spoke with a rep from VW credit, he told me the charge was for state taxes plus late fees. I paid the taxes to the people that were owed - the state of Illinois. The rep asked me to upload proof of payment to their website. I do so. He called me back the next day asking my to create and sign a document granting permission for the money I paid to the state of IL be transferred to VW credit. He told me that the state charged them for my taxes and they paid it. I asked him to send me the document from the state of IL saying this was owed. He said he could not do that. I asked for anything he could send. He said he would email me documentation from VW. He did not. I never heard anything about it until XX/XX/XXXX when a collection agency called me. They said I owe VW Credit {$1000.00}. I do not owe one dime  to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to you with great concern about the unresolved issue of unverified accounts that continue to mark my credit report. This marks the third written request I have submitted seeking the Method of Verification. Regrettably, your company has not only failed to provide me with the necessary information but has also persistently violated my consumer and civil rights throughout this ordeal. I want to underscore that I have diligently maintained detailed records of all my communications with your organization and am prepared to take the necessary steps to address this matter, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
The presence of these unverified accounts on my credit report remains a significant obstacle to my ability to access credit and financial services. Consequently, I insist that you promptly furnish me with the following information : I demand immediate physical verification or removal of the following unverified accounts, as well as the provision of the Method of Verification. 
I demand the following accounts be verified or removed immediately. 

. 
15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX, NC 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 2023-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I had a conversation with XXXX from Capital One on XX/XX/XXXX who began a fraud investigation, after I reported that two credit cards from Capital One were taken out in my name without my knowledge or consent, at my family 's address - from whom I am currently estranged and where I have not lived since XXXX. 

On XX/XX/XXXX, my mother was called who was informed, via voicemail, that the investigation was resolved. When I called them to check on this, a Capital One recovery department representative told me it was resolved, but it was " resolved '' as invalid fraud, meaning that they claim there is no fraud issue and that I took out the cards. This was predatory, in that if I hadn't called to check, I would have assumed the claim was " resolved '' in a positive manner, because the voicemail did not make clear there continued to be an alleged fraud issue. 

Further, when I asked them why my mother was called and why I was not -- even though they are claiming the cards were taken out by me -- they refused to answer or provide information from their investigation. This makes it seem to me that my mother is also on the card, or her information is, and I was placed there as an authorized user. The company would not give me information that they used in their investigation over the phone -- even though I verified my identity over the phone earlier in the conversation -- and are making me appeal the issue without an understanding as to the charges. This is predatory. 

I have the last four digits of the two credit cards from my credit report, but I do not have the full credit card information -- which they will not give -- as I did not take out the cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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, Attorney General Child Support account # XXXX, Attorney General Child Support account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 



15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-03-10
Company: CITIBANK, N.A.
State: WA
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:
Citibank - closed 6 of my credit accounts without notice. When I called to discuss why one of my attempted transactions was denied ( I was using my Shell Gas Card ), which I pay off every month. I was so embarrassed that the card was denied. 

When I contacted Citibank, I was told that my account had been closed because I appear to be a credit risk to them based on the number of inquiries on my credit reports based on their recent review. I received no notice of this action. Upon further research on my part, I discovered that all my credit accounts that were issued by Citibank had all been closed. All but one had XXXX balances. 

When last checked, my credit scores were in the 700 's, I have no credit card debt. I have a mortgage and two car loans and a student loan. That's it. Although the mortgage and cars are joint with my spouse. Nonetheless, my credit is dang near perfect. I haven't seen an 800 score since my 20 's. 

I feel they closed my accounts unfairly. I don't see how I can be a credit risk when I have no debt and all my accounts are all paid on time.

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: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still an account that is needed to be UPDATED. The 3 credit bureaus must verify this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed item get corrected. 
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