BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report. After carefully reviewing my report, I have found several errors that are causing damage to my credit score. 

Firstly, I noticed that there was an inquiry made by XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. However, I do not remember authorizing this inquiry and I believe it might be fraudulent. Therefore, I request that this inquiry be removed from my credit report immediately. 

Secondly, there was an inquiry made by XXXX XXXX, XXXX on XX/XX/XXXX, which I also do not remember authorizing. As with the previous inquiry, I believe this may be fraudulent, and I request that it be removed from my credit report immediately. 

Thirdly, I have an account with XXXX XXXX XXXX XXXX, account number XXXX, which to the best of my knowledge, has never been paid late. However, your reporting of this account is completely inaccurate and is negatively affecting my credit score. Therefore, I request that you update this account and delete the inaccurate information immediately. 

Fourthly, I have an account with XXXX XXXXXXXX XXXX account number XXXX, which I find questionable as I am not certain about the accounts name and number. I request that you clarify this information with me, or delete this account immediately from my credit report. 

Fifthly, I have an account with XXXX XXXX, account number XXXX, which I do not recognize as belonging to me. I kindly request that you investigate this matter and delete this account from my credit report. 

Sixthly, I have an account with XXXX XXXXXXXX XXXX XXXX, account number XXXX, which I find questionable, and I am not certain about the accounts name and number. I request that you clarify this information with me, or delete this account immediately from my credit report. 

Lastly, I have an account with XXXX XXXXXXXX, account number XXXX, which I find questionable, and I am not certain about the accounts name and number. I request that you clarify this information with me, or delete this account immediately from my credit report. 

I would greatly appreciate your prompt attention to these matters. I look forward to receiving a written response from you within 30 days, as required by the Fair Credit Reporting Act. 

Thank you for your time and assistance in this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-02-21
Company: CITIBANK, N.A.
State: TX
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:
XX/XX/XXXX : citi advises me via text and email there may be a fraudulent charge attempted. I call and it is for a furniture store. They say it is through a virtual card number ending in XXXX. They tell me No need to do anything because is it is a virtual card number and they declined, no need to replace physical card. 
XXXX I call several times advising citi there are more charges on the XXXX card number They tell me they can not see them and can not access my virtual card number transactions, they guide me through how to turn card off. It wont work. Screen shots below. I am transferred back and forth between tech support, fraud dept but nobody can seee these charges that I am telling them are not mine. 
XXXX. XX/XX/XXXX. XXXX XXXX, I have never been on XXXX so this cant be mine. Still outstanding XXXX. XX/XX/XXXX XXXX  XXXX. {$250.00}. After citi denied my dispute and said I have to pay called, they told me this restaurant has been out of business for a year. And they only have locations in XXXX XXXX. I am in XXXX. Still outstanding XXXX. XX/XX/XXXX : XXXX XXXX  XXXX  XXXX {$960.00}. After citi denied my dispute and said I have to pay called, they told me the order had been voided in their end because they suspected fraud. They refunded the {$960.00}. They are also only in the XXXX and the order was to deliver to XXXXXXXX XXXX Resolved by me. 
XXXX. {$40.00} XXXX XXXX XXXX XXXX. This is in XXXX. I live in XXXX. Denied by citi, but still outs XXXX {$270.00} XXXX XXXX XXXX I called the spa while the day rhe charge was pending. They ended up refunding.. also in the XXXX  area, nowhere near XXXX. 

I have been through every department citi can offer. I have answered their questions and asked to have it reviewed on XX/XX/XXXX. Nothing had happened. I even reached out via XXXX messenger during all of this. Nothing happened. I literally do not know what else to do. I just want the charges removed. I have spent XXXX hours dealing with this and they record all their calls and have notes in system about what happened with nobody being able to shut down this virtual CC number even though I called to report charges as they were happening. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-16
Company: Experian Information Solutions Inc.
State: WV
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:
XX/XX/XXXX, I lost 7points on my credit report, due to Experian recommending discover transfer credit card without informing me it was a hard inquiry. I've tried several phone numbers for Experian to no avail. I've tried my online account to file dispute and am not allowed. I'm very upset.

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 2022-04-06
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX child support XXXX XXXXXXXX XXXX XXXXXXXX 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 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C. 1681 section 604 A section XXXX 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
Consumer complaint received 2021-05-04
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hi. Someone hacked my coinbase account on XX/XX/21. My bank information was linked to my coinbase account. Hacker deposit {$5000.00} of my money to my account and was trading. I lost around $ 400-600. I did not get about the Transactions. Also, hacker deposit {$5000.00} not showing on my coinbase account.I feel coinbase unsafe. Just wan na close my account when everythings fixed. 
I am not sure about the loss. 
The hacker is from XXXX. I am a US Customer amd they did not see this is wrong. 
Coinbase was not protecting my account at all.

I want my money back. Coinbase made a mistake and a I hope they take responsibility for it.

Also, I have another problem. {$5000.00} transaction was pending. I called my bank to stop this transaction. Coinbase want to pay {$5000.00} back. I paid {$3900.00} back. ( it was on my account ). I tried to add my bank to pay the rest {$1000.00}. I removed from my bank informaton before because hacker had access to my bank information. So, I tried to add my bank once again to pay the rest of the money and it did not let me. So, I wired money to coinbase. ( {$1000.00} ). It doesnt show on my coinbase account and I did not get email about they received my money. In this case I want this money back to. 
I attached pictures. I circled which transactions was unauthorized and I circled I paid {$3900.00} back. Also, I attached a picture about the wire transfer. 
I did not buy bitcoin I add that picture too. 

Thank you for your help : )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I opened an account with XXXX on XX/XX/XXXX in which I only ordered a SIM card, which was free, since I had my own phone. When I received the SIM card a few days later, I attempted to activate my account so that I could use the service; however, I was not able to activate the account due to a PIN number issue. After calling their customer service, my issue was not resolved, so I returned to my previous mobile provider and canceled my account with XXXX They assured me that the account was closed and I would not be charged anything since I was not able to activate my account use the service. Fast forward, XX/XX/XXXX, I receive a letter from XXXX  about an overdue amount. I called customer service once again and they again canceled the account and assured me that the account was closed and the amount would fall off, so I did not need to pay anything. Then again in May I receive another letter from XXXX regarding the bill that I was wrongly fully charged and that they had claimed would fall off after closing the account. This time, they said they would send it to debt collection if not paid. I then again call customer services who is now telling me that they can not access my account to cancel the charge since it has been closed. After 10+ calls with customer service giving me the runaround, they tell me to go to the store and change my pin so they can access it. I do that, call back, and they still tell me that they are unable to access my account and change anything because my account now belongs to the debt collection Agency Amsher. I called the debt collection agency and they tell me that XXXX has to resolve the issue. Bottom line, after months of speaking to representatives and getting the runarounds, the charge hits my credit score in XXXX as an unpaid debt. I never owed XXXX any money to begin with and they have now ruined my credit score due to terrible customer service and bad business management.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: EQUIFAX, INC.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX CARD ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: AL
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 write to dispute certain information in my file resulting from items that i did not consent to authorize nor benefit from i recently became aware of. My name is XXXX XXXX and I have no recollection of this account i have not recieved any goods or services either. This is not my account i have never recieved any correspondence in by mail for this account. I am reporting this account

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 2022-09-17
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
M & T conversion from XXXXXXXX XXXX XXXX is a nightmare. 1 ) Could not use ATM cards sent by M & T bank with its passwords sent to me. 2 ) Could not withdraw cash from my account. 3 ) Bills to be paid via the back to my mortgage company did not appear for days. 4 ) when calling into M & T cutomer service, hold times were hours. 5 ) At the bank, lines were excessive and excessive and items reportedly corrected were not and I had go back 4 times. 6 ) Spent about 6 hours attempting to get resolution. 6 ) Staff was NOT trained properly and its " new " transition conversion system was obviously not user or conversion tested. Customer Service reps at M & T literally said, " I don't know ''.

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 2023-09-28
Company: EQUIFAX, INC.
State: NJ
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:
I've mailed a dispute letter to Equifax after I've noticed several accounts and information that's reporting to my consumer report without my consent and which is also inaccurate or invalid. Equifax is reporting an account that doesn't belong to me and reporting under multiple violations. How are they reporting a debt if there aren't any agreements by me to report it? How can I owe a debt if me and the creditor never had any existing agreements on a balance in order for this debt to occur? I have no knowledge of this company reporting this account in which Equifax should be able to see that we haven't agreed on anything. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account shouldn't be reporting.

Violations committed : 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is reporting a charged off account on my credit reports. I have been disputing this account with the credit bureaus for some time now. This account is reporting multiple inaccuracies that are illegal. This account has different account numbers, different last active and payment dates. How are all three bureaus reporting different things if they are all getting their information validated from the same place? Surely they are not conducting a proper investigation into this account otherwise this account would not reporting or reporting very inconsistently. It is the consumer reporting agencies responsibility to report accurate information and they have failed me. I am requesting that this account is deleted from my reports now!

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 2020-11-11
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I tried faxing i.d an proff identification card an Equifax steal having tried fixing it going on year My I cant use .my credit steal letting company use account I lost so much money bank accounts card dealing false birthday

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I don't know how, but I made a late payment to Capital One in XXXX of 2021. As you can see from the attached file, the amount late was {$4.00}, which is obviously a tiny mistake on my part. They have put a 30 day late notice on my credit report due to this {$4.00}, which is ridiculous since it dropped my score a good 30 points. 30 points over {$4.00}? Really Capital One? You're so petty you'll destroy a man 's credit over {$4.00}?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11
Company: Debt Recovery Solutions, LLC
State: MA
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 have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: LEXISNEXIS
State: MO
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:
This is XXXX XXXX and i am trying to figure out how this company Lexis Nexis is able to violate my right to privacy by sharing private information to companies like XXXX, XXXX  and XXXX. I contacted the courts and they stated that they don't report my information to any third parties. So how are they able to report it? I DID NOT GIVE THEM PERMISSION TO REPORT THIS. They are in violation of united states code 15 sec 1681 ( a ) ( 4 ) and they are causing me stress and hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: EQUIFAX, INC.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted 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 ) XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: EQUIFAX, INC.
State: NC
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 sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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:
In accordance with the Fair Credit Reporting act the below creditors have 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 XXXX : It also states 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

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 2023-06-27
Company: EQUIFAX, 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:
I have unverified and unauthorized inquiries and collections on my credit report thats need too be removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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 below creditors have 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 XXXX : It also states 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

Company response to consumer: Closed with explanation