BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-28
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I went to deposit {$6900.00} into the branch at XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, Utah. There were two other customers in front of me in the line. My wife accompanied me inside because we had dinner reservations. We were greeted by XXXX XXXX who told us she wanted us to use an electronic ATM-style machine. I declined. She insisted and bullied us into using the machine even after explaining we had a large number of bills to deposit. 

Halfway through the deposit, the machine malfunctioned. XXXX tried to back up the deposit, but instead, the funds were trapped and the transaction could not be processed. We watched as several other customers came and went. We missed our dinner reservation. The branch manager came over to assist. Both these employees assured me they would resolve it before XXXX XXXX. He said the wait had to happen because the machine servicing team would analyze the discrepancy. Approximately {$3100.00} could not be located. 

The problem is that I do have a temporary credit, but I am ostensibly being threatened that more money could be ripped out of my account on a whim if they can not settle the deposit machine. Their promise of a XXXX XXXX resolution was not upheld. I've tried calling for assistance, but all I hear is that no new notes have been added.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Bread Financial Holdings, Inc.
State: WI
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 this creditor has violated my rights under 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 an account without my written instructions under 15 USCS 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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:
XXXX XXXX, XXXX, Equifax and XXXX XXXX XXXX have violated my privacy due to the Fair Credit Report and Privacy. I notices my bankruptcy was report without my written or verbal consent. The courts of Texas does not report information to any credit reporting agency ... ... .So how can they report my information... ..My information is private

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
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 called and asked XXXX XXXX XXXX  located XXXX XXXX XXXX XXXX XXXX, Arizona XXXX ) their phone number ( XXXX ) for a copy of my consumer report so I can see what was stopping me from opening up an bank account. They sent me an copy. I seen that 2 TCF accounts were on there. 2 accounts that I was unaware of that were supposedly opened XXXX. So they told me that I can dispute it, so I did. XXXX XXXX, I went on and called the Huntington because they are who took over TCF Bank. I called them to get more information or documentation to support my dispute. The bank had transferred me through 4 departments ( customer service, management team, Huntington collections, and the department that handle old/closed accounts ) trying to locate an account with my name, social, and the account number that is on my consumer report. Everyone I spoke to at Huntington then began to tell me that there was nothing in their system popping up with my information. The lady then said that the account number is too long and is not in their number format. She went on to telling me that Any TCF Bank that wasn't active or was already closed before the conversion of Huntington taking over TCF have been Closed and removed from their system. A lady then said to me an that she could not give me something that is not there. So at this point I continued with my dispute and mentioned how I called and talked to numerous of bank representatives and that they could not bring up the account on my consumer report. After 1 week they removed one of the TCF bank accounts. XX/XX/XXXX I got a letter in my email stating that they spoke to my furnisher bank ( TCF National Bank ) located ( XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX ). I looked up the Bank to give them a call for documentation and on XXXX it says this Location is permanently closed. and the number that is listed to call is NOW Huntington Bank who has no record of my social security number or the account number. So I am really baffled, on how they received any information from a bank that is no longer up and running. How is a bank confirming that the information is accurate of the date of XXXX XXXX and they're permanently closed. And Huntington can't even located me by my social security. A Huntington manager told me that once they had told early warning that they didn't have anything for me in their system, they were suppose to remove it off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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:
Im filing against transunion, they have failed to remove XXXX  XXXX and XXXX  XXXX XXXX XXXX  XXXX  from my credit report, I am now sending a copy of a police report I have filed back in XXXX  fir identity fraud, my information was leaked in the dark web and compromised, my information was used in efforts to open fraudulent accounts in my name, I will also send a ftc identity theft report out mining that my information has been used illegally, if this this is not resolved I will turn this matter over for legal action to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ga XXXX Im tired if my complaints ignored this is my last attempt to get this matter resolved and get this off my credit, transunion had also failed through the pandemic to take care of issues I have filed complaints for I want these accounts removed off 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 non-monetary relief
Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
State: CA
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:
In XX/XX/XXXX I took a loan to buy a vehicle and in XXXX of the same year I had an accident and the car was lost after talking to the insurance company. I called the company to explain what had happened, at most companies what happens is they pause credit while you get insurance information, but here I didn't call them and they always gave me different information and even if I didn't have my vehicle if I had to make my car payments, in XXXX the company sent a check for the full value of what was owed, because the check had already been sent, so I called the company and told them I didn't want them to make a negative report. I called them on XX/XX/XXXX and what the person told me was that I did not have to pay that the check would arrive that same day and that from that day on I had 10 more days as the deadline for the check to arrive if on that day moment the check did not arrive there if I would have to pay the installments, then on XX/XX/XXXX the check arrived at their facilities and they cashed it the same day but on XX/XX/XXXX what they did was report to us My credit and that of my husband, since we were both in the loan, they affected my credit so much that it dropped more than XXXX points and I already filed a complaint but the answer they gave me has nothing to do with what I asked them what they said is that we spent more time knowing that they themselves told us that we had 10 more days to make the payment and that they were not going to report us and it is in a recorded call on XX/XX/XXXX 2023

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 2023-07-06
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hi there, I opened a new checking account with Wells Fargo on XX/XX/23. I XXXX {$25.00} from my account at XXXX XXXX to Wells Fargo for initial deposit. Today my Wells Fargo account receive my payroll, so I sent XXXX {$300.00} back to my XXXX XXXX. When I was on XXXX on Wells Fargo app, I selected " Send '' and my name came up. I thought Wells Fargo XXXX recognized my profile from receiving my money last time, so I selected my name without noticing that the last 4 digits of the tel number is one digit off. After a few minutes I checked my account at XXXX XXXX and was concerned because I did not receive money. I went back to my Wells Fargo account on the app and noticed that the last 4 digits of tel number is off and saw the name " XXXX '' was the person who enrolled with XXXX using my name. I called Wells Fargo to dispute. They started investigation and told me that they will let me know the result in 10 business days. I truly believe that Wells Fargo XXXX function are being compromised. My account is only 3 days old and someone has an ability to compromise my name using tel number exactly almost my number but just one digit off to create a profile using my name. I did call this person and got a voicemail with the name XXXX but she did not respond and sent me money back. I attached a snapshot from Wells Fargo XXXX for your information. Note : My name 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 2018-09-05
Company: EQUIFAX, INC.
State: IL
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 have contacted all 3 credit reporting agencies regarding a XXXX XXXX account financed through XXXX XXXX. This is not a duplicate! I have contacted XXXX XXXX on numerous occasions and have constantly been redirected by their customer service center. Below is a description of my complaint. The times purchased were from years ago and I resolved this matter with XXXX XXXX, please see notes below. I am standing on the fact that I bought used furniture and the store refused to take the furniture back. I asked the 3 credit reporting agencies to conduct an investigation into this matter as the store has not been able to assist me. 

I did receive a letter from Equifax stating this information is not reporting on my credit file, however, when I looked at my credit file again XXXX XXXX is still listed. 

In 2013, I purchased a sofa and chair from your XXXX XXXX, IL location financed through XXXX XXXX. This letter is to bring to your kind notice the inferior quality of the furniture supplied by your reputed showroom to my apartment. 
Unfortunately, the furniture I purchased was of such poor quality I eventually had to discard. The mentioned pieces of furniture started losing their shine and quality in no time. Further, the sofa collapsed a month after purchasing. I contacted the store not long after and the manager said he would settle the account and take off an additional 40 % on what was owed as he could not take the furniture back. I believe at the time it was a little over {$300.00}. However, when pulling my credit report I noticed that this account was listed as me owing over {$900.00}. I am very distressed that the information below was included in my credit profile due to its damaging effects on my good credit standing. I am asking that you please investigate this matter as soon as possible.To my knowledge this account had been paid off many years ago. 
Conditions of Furniture : -The furniture appeared to have been lived in. I found food, headbands, and other personal items in the inside. -Not in the condition guaranteed by the store -Furniture badly damaged when transported from showroom to apartment. 

I was extremely disappointed in the furniture I purchased and now this outstanding debt. I believe XXXX XXXX is selling pre-owned furniture. there is no way the pieces I bought were only in their showroom and this badly damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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: Their investigation did not fix an error on your report

Complaint:
I submitted a complaint and the company said they deleted it off my credit report through ithis.

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 2023-02-12
Company: Coinbase, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
https : //www.coinbase.com/borrow Coinbase Borrow offers an individual the opportunity to borrow money using bitcoin as collateral. It doesn't work, at least not for me. It tied up my bitcoin as collateral and provided nothing in return. Coinbase has been unresponsive and hasn't returned my bitcoin despit me informing them that I no longer want a line of credit. There was an error at the end of the Coinbase borrow process. There was no loan confirmed. It simply said error. Afterward I noticed my XXXX was locked up as collateral. However, I never received anything in return. I didn't receive anything ( loan, a line of credit, cash, etc. ). I've told Coinbase I no longer want the loan and I've asked them to return my XXXX and unlock it as collateral as I never received anything in the first place. Support has been unhelpful. There has been no word around my complaints. Coinbase shouldn't be offering loans using XXXX as collateral given the service doesn't work properly and due to the fact that they are tying up user assets without giving them anything in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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:
I contested the following information included on the attached files with Experian and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Experian has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.

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 2023-02-12
Company: EQUIFAX, INC.
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:
Account name : 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 XXXX XXXX XXXX XXXX : Actions Hard Inquiry 15 U.SC 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.

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 the 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 explanation
Consumer complaint received 2023-04-28
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland - open case- I called to dispute - they filed garnishment against me through XXXX XXXX XXXX XXXX {$5400.00} Asset Acceptance - I called to dispute - they filed garnishment against me through XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX - I called to dispute - they filed garnishment against me through XXXX XXXX XXXX XXXX {$3100.00} XXXX - they filed garnishment against me through XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX - I called to dispute a debt - they sent me a statement trying to collect a debt {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I called to dispute a debt - they sent me a statement trying to collect a debt {$450.00} XXXX XXXX - I called to dispute a debt - they sent me a statement trying to collect a debt {$670.00} Well an XXXX XXXX XXXX I called to dispute a debt - they filed garnishment against me through XXXX XXXX XXXX {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- I called to dispute a debt - they sent me a statement trying to collect a debt {$450.00} XXXX XXXX XXXX I called to dispute a debt - they sent me a statement trying to collect a debt {$730.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: AZ
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 had a payment get returned to the company on XX/XX/XXXX and on XX/XX/XXXX I remade the payment online ( I paid the amount stated online {$100.00} ). The company has been calling me nonstop while at work, I call them back and had to leave a message. They emailed me saying I still owe them {$19.00} because there is a {$10.00} return fee for the first payment and they never explained what the other {$9.00} was for. They also said that since it is now XXXX I am now 30 days past due which is ridiculous my very first payment was due XX/XX/XXXX. I kept asking them how this could be and they ignored my question and said I must pay the {$19.00} which I already had as soon as I found out I owed it. This company is predatory and obviously will make false reports to the credit bureau.

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 2023-07-06
Company: Paypal Holdings, Inc
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
The Internet app Venmo is not allowing me to cancel an account that I have not used for over two years they insist the only way is for me to provide a government issued ID which I will not do due to concern over security issues.

Company response to consumer: Closed with explanation