BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello I do not known if you can help me but this seems crazy that this is happening to me. I use coinbase as a investment platform. I have invested thousands of dollars over the last two years. XXXX of last year I used their application in order to transfer money from my personal account to their Platform my coinbase account. The address the QR code in their application provided was incorrect and sent it to someone else. When I reached out to them upset because they had just sent {$2000.00} of my money to a random person they said that this happens sometimes and that it was my fault I couldnt believe what I was hearing, I stated to them if they knew about this why isnt there some warning for their customers using this application that that is a possibility and to triple check in case their app provides the wrong address. I feel like I have been the victim of a company that does not properly test their product before sending it out into the public. This can list people thousands of dollars over a massive scale. They are not taking responsibility and are betting on me giving up and being afraid to defend myself and my saving they lost. I have had to work extra hours had to make sacrifices over the last few months to replenish what I lost I suffered XXXXXXXX XXXX XXXX XXXX. This issue was caused by Coinbases negligence. Please let me know the proper channels I can reach out to to hold them responsible so that this doesnt happen to other families. I have video of their QR code providing the wrong address if that helps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the Fair Credit Reporting act the following accounts has violated my rights. 

XXXX ) XXXX XXXXXXXX account # : XXXX XXXX ) XXXX XXXX XXXX account # : XXXX These accounts are fraudulent accounts. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance XXXX {$4800.00} XXXX XXXX XXXX  XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance XXXX {$4800.00}

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 2022-09-11
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
reporting information on my rental report as both paid in full and as a write off Legally Per the FCRA a item can not be both " Paid In Full '' and " Charged Off '' the Account XXXX is listed as 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 2023-06-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The letters are stated with items and issues.
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 crimes 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: OH
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 have had my account closed yet account details show I have money in my account. I have charges added to an account and credits moved in my name on an account I have no access to. My account says that I have paid an amount that the bank refuses to give me access to. The bank refuses to give me evidence of a legal binding contract with my signature as well as their signature. Upon requesting my contract I was redirected and sent from person to person with no resolution until finally I was sent some literature said to be my contract, yet had no identifiers to me. The bank refuses to show me proof of their consideration equal to my {$5000.00} deposit. The bank has classified me as a corporation and ignored my human rights to live as a man and has attempted to deceive me when I asked for clarification. I have asked for my legal contract and my account history to prove they have been charging me illegal fees. This bank has retaliated and attempted to intimidate me by moving my deposit date causing automated bills to not go through while they casually offer to release my funds on the regular date for a fee. This has transpired for 8 plus months. 

When I contacted the depositor of my funds as the bank requested I was told it was not on their end as nothing had changed. I move my deposits to a respected institution just to see my funds deposited on its origin release date that this bank mysteriously had no reason as to how this was possible. Ive called to resolve this matter but have cleverly been given misinformation. Said misinformation can proven to be beneficial for this bank monetarily and I suspect Im not their only victim as Ive dealt with multiple departments and this abuse is practiced institutionally. This bank also refuses to report my balance accurately which shows an inaccurate balance which depicts me in a negative light and has affected my financial mobility and reputation. This bank is creating instruments in my name and doing back door bookkeeping as well as using my signature for monetary gains without disclosing to me they could do this. Last contact attempt this bank hung up in my face for asking for clarity of its practices and has admitted to its misleading practices by apologizing for its associates who mislead me, who they sent to explain my contract yet knew nothing of what my contract stated, and they corrected or return some of the illegal fees collected only after rigorous complaints and suggestions of a need of an audit of my account. 

I have written to the president of the company only to receive more retaliatory behavior which has caused my detrimental financial hardships.

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 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have had my account closed yet account details show I have money in my account. I have charges added to an account and credits moved in my name on an account I have no access to. My account says that I have paid an amount that the bank refuses to give me access to. The bank refuses to give me evidence of a legal binding contract with my signature as well as their signature. Upon requesting my contract I was redirected and sent from person to person with no resolution until finally I was sent some literature said to be my contract, yet had no identifiers to me. The bank refuses to show me proof of their consideration equal to my {$5000.00} deposit. The bank has classified me as a corporation and ignored my human rights to live as a man and has attempted to deceive me when I asked for clarification. I have asked for my legal contract and my account history to prove they have been charging me illegal fees. This bank has retaliated and attempted to intimidate me by moving my deposit date causing automated bills to not go through while they casually offer to release my funds on the regular date for a fee. This has transpired for 8 plus months. 

When I contacted the depositor of my funds as the bank requested I was told it was not on their end as nothing had changed. I move my deposits to a respected institution just to see my funds deposited on its origin release date that this bank mysteriously had no reason as to how this was possible. Ive called to resolve this matter but have cleverly been given misinformation. Said misinformation can proven to be beneficial for this bank monetarily and I suspect Im not their only victim as Ive dealt with multiple departments and this abuse is practiced institutionally. This bank also refuses to report my balance accurately which shows an inaccurate balance which depicts me in a negative light and has affected my financial mobility and reputation. This bank is creating instruments in my name and doing back door bookkeeping as well as using my signature for monetary gains without disclosing to me they could do this. Last contact attempt this bank hung up in my face for asking for clarity of its practices and has admitted to its misleading practices by apologizing for its associates who mislead me, who they sent to explain my contract yet knew nothing of what my contract stated, and they corrected or return some of the illegal fees collected only after rigorous complaints and suggestions of a need of an audit of my account. 

I have written to the president of the company only to receive more retaliatory behavior which has caused my detrimental financial hardships.

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 2017-09-20
Company: Southwest Business Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I notified the collection agency and XXXX XXXX XXXX that this is not a valid debt. Further, I invited XXXX to produce documentation of a valid debt. Upon validation, I would happily pay the valid amount due. XXXX XXXX XXXX has contacted me as recently as a month ago about a separate matter. They had every opportunity to discuss this alleged debt then, but chose not to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Experian Information Solutions 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 conversion account numbers have violated my rights. 

15USC1681Section 604A states that I have the right to privacy.

15USC1681Section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 

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 2022-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I called to find out why my account was restricted only to find out that it was canceled. For no reason! I tried to pay with a different bank account and must have pressed a wrong number for the account number. The payment didn't go through... I ended up paying with the account I used to previously to pay. They canceled anyway XXXX accounts that never was even paid late. Will not recommend capital one to anyone! XXXX  capital one and XXXX capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions 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:
15 U.S.C 1681 ( a ) ( 1 ) says The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. On XX/XX/2022 I sent a letter to Experian pointing out inconsistencies in several accounts reporting on my Experian consumer report. I asked that if any information reporting on my Experian consumer report wasn't 100 % accurate that it be immediately deleted from my consumer report. My certified mail tracking # for the letter is XXXX. It is now XX/XX/2022 and there are still a multitude of inconsistencies reporting on my consumers report. Experian stated that these accounts were investigated properly, but how is that possible with so much inaccurate information still reporting? 15 U.S.C. 1681i ( a ) states that if Experian can't provide proof of these inaccuracies these accounts must be deleted. This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 602 A which states I have the right to privacy as well as 15 U.S.C. 1681 Section 604 A Section 2 which 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 explanation
Consumer complaint received 2022-12-31
Company: Receivables Performance Management, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed up for the XXXX  home internet via the phone as they were having a sale for $ XXXX. The agent asked if I wanted to add my cell phone lines but I was still with XXXX at the time. I told him not yet as I want to see how the service is before moving anything over. He told me that he could send over 3 sim cards and that I can activate them at any time. So I agreed on the presumption that those SIM cards would not be activated. A few weeks pass by and I am not happy with the service so I go to cancel the home internet. I then find out that those lines were activated with totally different numbers and assigned to phones I don't have at all. I asked them in XXXX, XXXX and on XX/XX/22 at XXXX XXXX, I call and speak to XXXX and I explain the situation and told him those lines were " unauthorized activiated ''. He tells me that my complaint will be sent to the Fraud department and it would be taken care of. I don't here anything until I get a letter in the mail from a debt collector, looking for {$390.00}. I am not liable for this amount and if need be, I will get a lawyer involved to dispute this and also sue.

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 2023-11-22
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: CA
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 am attaching a letter that I recently wrote to Experian to illustrate how my rights protected under FCRA 611 ( a ) ( 7 ) have been violated. In this letter I requested certain information and Experian was supposed to get this back to me in writing no later that 15 days since they recieved the Method of Verification request letter. I am positive the account in question dosnt belong to me and have placed a fraud alert on my credit report. I will file a court case if need be and the information requested in that letter will be needed in the case. Experian has mailed me no such letter and didnt do a real investigaion, they simply " verified the debt '' updated the dispute, which is what I specifically asked them not to do in the letter. My letter was to get details of what methods used and It is my right to know that given by the FCRA. Because it has been over 15 days since Experian recieved my letter I kindly request that it is removed immediately from my credit file.

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 2022-07-07
Company: EQUIFAX, 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 XXXX Account US DEPT ED # 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 furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: National Credit Adjusters, LLC
State: TN
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 have recently disputed an account, it was once removed and is now showing up again in my credit report. I have disputed this account again this year and the creditor has reported the information submitted is verified and accurate. I requested validation to verify that this account belongs to me however I received nothing to validate this debt. Also, the account is showing inaccuracies amongst each credit bureau which would be a violation of the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA. If the account was verified and accurate each bureau would be reporting the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: AMERICAN EXPRESS COMPANY
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:
From last three months American Express is playing games with me, American Express or Amex is rejecting all the disputes I am filing left and right. 

But I was shocked about the recent American express dispute I filed in the month of XXXX for {$430.00} of XXXX XXXX in XXXX XXXX, XXXX, the investigation took over a month and i was finally given a permanent credit on XX/XX/2021 of {$430.00} on XX/XX/2021. 

Now I received an email yesterday that again I will be charged {$430.00} in my Account. 

What happened to American express I want to ask? Their service has gone to the doldrums. 

My next step would be to go to court regarding this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/2022 -XXXX XXXX XXXX XXXX  NEGATIVE ACCOUNTS : -XXXX XXXXXXXX XXXX -XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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