BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Since the beginning of XX/XX/2022 I have tried to dispute the validity of the accounts on my credit report. I never gave this company written consent to disclose my information and also under know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

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 2022-10-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
As a pay-back for complaining about an issue to make online payments for an amount different than the full balance or remaining statement balance, XXXX has removed from the 3 credit bureaus ALL INFORMATION related to my account including credit limit, credit balance, payment history ( always paid on time ), status, etc. 

As a result of this action, my credit score dropped this month OVER XXXX points. When I received alerts about score changed I reviewed all 3 credit reports and couldnt identify a real issue. I called XXXX to discuss the matter and they simply deflected the issue. 

Their website, under credit journey shows that the account is under dispute. Interesting enough I have never taken such action. 

This is just another way how monster companies like XXXX, abuse regular citizens and harm their lives!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Coinbase, Inc.
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:
I used my Coinbase card ( Visa debit card ) to purchase gas at two gas stations on XX/XX/. The charge ( {$35.00} ) went through at the first station ( XXXX XXXX ) but not the second station ( XXXX XXXX XXXX ), where I used a second card. 

Besides the gas charges, there are two pending charges for {$100.00} each from XXXX XXXX and XXXX XXXX XXXX. I did not make these purchases, I did not authorize these purchases, and I was not informed there would be such a hold on my card. 

I waited until around XX/XX/XXXX or XXXX to contact Coinbase, figuring the holds would be lifted by then. But they weren't. Since then I've tried calling Coinbase ( only a bot answers ), I've discussed the issue with Coinbase 's text chat ( the person I get always refers it to a 'specialist ' ), and I've sent numerous emails. Coinbase does not seem to be doing anything to lift these holds. 

I've also reached out to both gas stations ; they insist that they can not do anything and I need to reach out to Coinbase. Note that Coinbase told me holds should be lifted after no longer than 10 working days, but in this case around 18 working days have already passed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-16
Company: Experian Information Solutions Inc.
State: DC
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:
I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRY AND VIEW MY CREDIT REPORT. IN ADDITION, I DID NOT GIVE YOU XXXX PERMISSION TO FURNISH THIS INFORMATION ONTO MY CREDIT REPORT. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT SECTION 1681 ( B ) C WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIOUS BREACH OF MY PRIVACY RIGHTS.

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 2022-04-21
Company: EQUIFAX, 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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Netspend Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 a fraudulent charge appeared on my account. I received no notification or any warning from the bank and there were multiple charges on my account. It wasn't until my card was declined at the store and I checked my account on XX/XX/2022, where I found, that charges on my card where made by someone else. They were made outside my state of residence and in some cases made in the same day in separate states. I contacted my bank ( skylight one ) and they said it was under investigation since XX/XX/2022. They told me it would take 8-10 business days to resolve this issue. I have not received any information about the status of my claim nor had I received a replacement card. I called again today XX/XX/2022 and was told it is still under investigation and that that the funds have not been returned to the account. I had not been assigned a new card nor would they give me any contact information who I could speak to about this matter, if anything they were evasive and unhelpful. I finally demanded a new card and they said one would be delivered within three business days. I have access to no fund and have had to barrow money just to get gas to go to work since this incident occurred.

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 2023-05-15
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2021-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Failed to provide debt validation as required by the Fair Credit Reporting Act, Section 609. Delete this unfair, negative, inaccurate, erroneous from my credit report.

Requested company provide the following in connection with the alleged debt : 1. To whom do you think I owe this debt and what amount do you claim I owe, and how that amount was calculated? I will need the name, address and account number for the creditor, in addition to the amount owed. If this debt started with a different creditor, I will need the name, address and account number for the original creditor, the amount allegedly owed and the date when the debt was transferred.

2. Please provide a valid basis for the alleged debt, such as the original contract between me and original creditor. Tell me the date the alleged debt became delinquent and the date the last payment was made. Prove the Statute of Limitations has not expired on this account.

3. Provide me a copy of the last billing statement from the original creditor. If any fees or additional interest charges have been added to that statement, explain how those fees or additional interest charges are permitted, either by the original contract or by law.

4. If any payments have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and amount paid for each item.

5. Does your agency have a debt collection license in the state of Maryland? If so, please provide the name on the license, the license number and the telephone number of the state agency that issued the license. If you do not have a license, please explain why, and under what authority you are able to collect this alleged debt.

Company has failed to provide the requested information in violation of the Fair Credit Reporting Act, Section 609.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: NJ
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 appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXXXXXX 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 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I asked the credit bureaus to do a verification of everything on my credit report and they said they did, they stated everything was accurate. 
I did a thorough research myself and found improper inaccuracies on the credit report even after they did the thorough research. 

1. Account name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX XXXX. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$9000.00} Data Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$2100.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX In accordance with the fair credit reporting act XXXX 1. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX XXXX. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$9000.00} Data Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$2100.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/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 a 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 2020-06-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2020, I mailed a letter of dispute to Experian Consumer Assistance Center in XXXX, Tx disputing items on my credit, after calling Experian to dispute inaccurate items on my credit file by phone and being told that I could not make a dispute by phone because my credit file is being handled by one person. I stated I wanted my file in the regular department as any other consumer calling in. I was told because I filed a complaint with the XXXX XXXX XXXX regarding Experian very poor service, my credit file is now being handled by only one specific person. And that if the one specific person is not available, then I can not dispute any inaccuracies on my credit report. This person name XXXX XXXX, calls by blocking his number, and leaves a message saying he is with Experian and when I call Experian again, this person is not available for me to dispute inaccuracies on my credit report. I never did receive any notification from Experian regarding the letter I mailed regarding disputes on my credit file. My rights according to the Fair Credit Reporting Act, is being violated. I have the right to be able to call in and speak to any representative in the dispute department at Experian and dispute inaccuracies on my credit report and Experian is refusing me this right. My Federal right is being violated.

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 2023-01-21
Company: Experian Information Solutions Inc.
State: KS
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:
My credit reports generated by Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of 1.High balance and 2. Last activity which are inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name Experian XXXX High balance {$0.00} $ XXXX Last activity XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.

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 2023-02-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX IS CLAIMING THAT I HAD AN ACCOUNT WITH THEM AND REPORTING TO THE CREDIT BUREAUS THAT THE ACCOUNT IS A CHARGE OFF, BUT I NEVER OPENED AN ACCOUNT WITH XXXX XXXX. I HAVE BEEN WITH XXXX XXXX FOR 10 YEARS. MY INFORMATION WAS INVOLVED IN A DATA BREACH YEARS AGO SO IT IS VERY POSSIBLE THAT THIS ACCOUNT WAS OPENED AS A RESULT OF THE BREACH. I ALSO SENT LETTERS MONTHS AGO, BUT THIS FELL ON DEAF EARS. I WILL ATTACH THE LETTER WHICH IS DATED AND TIME STAMPED TO THIS COMPLAINT. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT 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 explanation
Consumer complaint received 2023-06-10
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2023, I opened a new M & T Bank account online. I was given my new account number and was allowed to enroll in online banking. A few days later, I started to get emails saying my online banking was locked and my paperless statements had been turned off, and the debit card I received could not be activated. I could no longer log in online, and was directed to call a toll-free number at M & T, which I did. The person I spoke with, who was very rude, told me my account had been closed with no explanation. I asked why and he told me there was no information. I asked if a letter would be mailed and he said it would, but when I pressed for specifics about when a letter was/would be mailed he would not provide any further information. I have waited over 2 weeks for a letter explaining why this account was closed 4 days after I opened it, before I had made any activity on the account whatsoever, but I have not received any further info from M & T bank. if M & T Bank closed my account, they are legally obligated to tell me why it was closed, what information source they used to deny me opening an account, and tell me how I can get a copy of whatever consumer report they used to take adverse action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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:
I submitted a letter to the 3 Credit Bureaus to remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please delete these immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Capital One is showing late payments and I have tried to contact them to show them how this information is inaccurate and sending proof and they are still not cooperating. XX/XX/XXXX XXXX XXXX {$100.00} {$150.00} There's a bankruptcy being being reported in 2016 it is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Mr. Cooper Group Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I asked the two banks involved in the debt collection of their attorneys at XXXXXXXX XXXX XXXXXXXX abut the debt and validation according to FDCPA and they failed to comply with the federal rule because they did not : gave me a validation notice to read : 1. Name and mailing information of the debt collector.-THEY DID GIVE THIS XXXX XXXX XXXX XXXX and XXXX acting for both XXXX XXXX XXXXXXXX and mr cooper ( `` a Note '' they have ) 2. Name of the creditor to whom the debt is owed -the did ( XXXX XXXX XXXXXXXX serviced by mr cooper ) THEY DID GIVE THIS TO US 3. Account number ( if any ) associated with the debt - THEY DID GIVE THIS TO US BUT WE DID NOT TAKE OUT THIS LOAN loan XXXX XXXX. An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records - THEY FAILED TO PROVIDE SAYING WE ARE AN UNATHORIZED THIRD PARTY AND YET THEY WANT TO COLLECT FROM US?? 
XXXX. The current amount of the debt as of when the validation notice is provided Information about your debt collection rights including how to dispute the debt This notice is meant to help you identify whether you owe the debt and whether the collectors information about the debt is accurate. The notice must include a tear-off form that you can send back to the debt collector to dispute the debt or take other actions. THEY DID NOT PROVIDE THIS TO US 6. A statement that the communication is from a debt collector. THEY DID NOT PROVIDE THIS TO US, THEY ATTEMPTED TO VERIFY IN CONNECTION TO A LOAN APPLICATION WITH XXXX XXXX XXXXXXXX ( ATTACHED ) AND MR COOPER ( ATTACHED ) 7. The name and mailing information of the debt collector and the consumer THEY DID NOT PROVIDE THIS TO US BECAUSE WE ARE AN UNAUTHORIZED THIRD PARTY 8. The name of the creditor to whom the debt is owed THEY SAID IS THE XXXX XXXX XXXX XXXXXXXX NOTE '' It is possible that more than one creditor will be listed THEY DID NOT GIVE ANY INFORMATION ON THIS The account number associated with the debt ( if any ) THE LOAN ACCOUNT NUMBER IS DIFFERENT FROM THE ORIGINAL " XXXX XXXX XXXXXXXX NOTE '' An itemization of the current amount of the debt that reflects interest, fees, payments and credits since a particular date, the itemization date ( THEY DID NOT PROVIDE The current amount of the debt as of when the validation information is provided Information about your debt collection rights, including language that : If you dont dispute the debt within 30 days the debt collector will assume the debt is valid If you do dispute the debt in writing within 30 days the debt collector must stop collection until it provides you verification of the debt. WE HAVE DISPUTED IT ALREADY THROUGH CFPB AND THE BANKS HAVE MY MOHTER 'S CASH IN THEIR BOOKS AND HAVE NOT PROVIDED CLEAR AND FAIR ACCOUNTING, THEY COLLECTED IN COURT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: MARINER FINANCE, LLC
State: NJ
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 company, Mariner Finance placed a derogatory report on my credit report. The company reported to XXXX  that my account was late for payment and shows as a charge off on my credit report with XXXX The account for Mariner was discharged in Chapter XXXX Bankruptcy in XXXX of 2020.

Company response to consumer: Closed with explanation