BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This complaint is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited from such fraudulent accounts. 

If you assume or allege, I have received services, goods, or monies, please have a senior XXXX certify under the penalty of perjury, I have obtained possession. All are being investigated by the FTC

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 2022-04-05
Company: Chime Financial Inc
State: LA
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:
My debit card was used for several merchants that I didnt authorize. I contacted chime to inform of the charges and was also able to provide proof I didnt make the charges. Chime denied my dispute and also denied the dispute as well

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
" XXXX XXXX XXXX '' has sent me debt collection letters a couple of times asking me to pay {$49.00} for XXXX debt. I do NOT owe money to XXXX and XXXX confirmed it over the phone. I replied to the Convergent 's debt collection letters explaining that they've got a wrong person, but they just keep sending me the collection letter. The account # in the letter is not mine and transaction and account creation dates are all wrong.

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 2023-09-06
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-07-11
Company: Experian Information Solutions Inc.
State: AZ
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:
I sent a letter multiple times to XXXX, Experian, and XXXX. Here are my tracking numbers : USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, and USPS Tracking XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX  ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX  XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX Balance XXXX {$4800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: LFG Data Services Holdings, LP
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:
On XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating The United States Bankruptcy Court does not report any information to the credit bureaus. So if that is the case, how did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2020-09-29
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
It came up that there was over {$1000.00} gone from my account. I called and spoke to the people from the unemployment go card. This person was only able to get a hundred and some dollars off and there was a freeze on the rest of the money that my account was frozen. So I go from a long time not being able to use my card have to get a new card. Just to find out now they say that money that was frozen there's no record of it. supposedly has taken almost {$200.00} off and then over {$800.00} that was supposedly Frozen they say they can't find. I had to file a fraud claim I did I was able to tell them my exact last purchase.I was sitting there talking to them on the phone looking at my card website money was being taken off of it when they told me it already been canceled.I told them that there still money  being taken. I have gone around and around so much with them I have filed two fraud claims. I have got nowhere .Then the last person I spoke with was completely rude and told me that I was supposed to file a police report within 24 hours I was never told this and he says '' wouldn't you if you lost a cell phone ''. I've never had to deal with anything like this obviously I need the money or I wouldn't be on unemployment. My  money has been stolen either by this company or somebody else and they will do nothing about it. They say they have no record of this money that they froze

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have had coinbase account now for a couple years and one day all of the sudden my account was " under review ''. This was back on XX/XX/21 and they said it would take a few days. I then got an email on XX/XX/21 saying my issue was resolved, but it clearly has not since i can not get back into my account. I have reached out a couple more times and have not heard back from them. I would simply just like to get back into my account so I can pull out my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-26
Company: EQUIFAX, INC.
State: IL
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:
DEPT OF ED/XXXX Is showing up as late payments when they should in fact be up to date. Additionally, the payment dates on the loans are incorrect, and show different balances as well as dates. If the information was reported from the same company. All information Pertaining to the loans should reflect all the same information. Due to inadequate information Im asking that these items be permanently deleted from all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in the Wells Fargo Home Mortgage forebearance plan since losing employment in early 2019. 

Starting in XX/XX/2019, I have been in contact with Wells Fargo Home Mortgage once I found new employment. 

I submitted all documents to Wells Fargo Home Mortgage that were needed for the modification of my mortgage to avoid foreclosure and to pay the late balance. 

I provided WFHM with 1 ) pay stubs, 2 ) WFHM Modification Application, 3 ) Bank Statements showing direct deposit, 4 ) Notarized Signed Affidavits of Employment, 5 ) Employment Verification.

I submitted the required documents several times to WFHM via ; Fax and Upload on the WFHM - HomeTrack website.

After my last document upload, WFHM now is requesting additional verification. I believe I am being targeted and discriminated against by WFHM, because they are continuing to ask for additional information.

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 2023-06-30
Company: EQUIFAX, INC.
State: PA
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:
According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 

Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. Under the permissible purpose section of the Fair Credit Reporting Act, I have NEVER given this agency written consent to report this information. 

I demand these accounts be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-24
Company: EQUIFAX, INC.
State: MI
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:
Equifax has a closed date of XX/XX/XXXX which is inaccurate information. I have a copy of a letter as of XXXX XXXX showing a balance of {$0.00} before XX/XX/XXXX. Therefore Equifax has once again has place false information on credit report. According to ( FCRA ) agencies should report accurate information. I am asking for a physical investigation not E-Oscar or Metro2. The correct closing date was in XXXX of XXXX as I wrote it down after speaking with XXXX  XXXX representative. I wrote the information on the envelope. Plus the date of the paperwork show I contacted them before the closed date as Equifax has submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Cascade CISS Holdings, LLC
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: Account information incorrect

Complaint:
OnXX/XX/2023 myself and my realtor was reviewing my credit report and observed inquires on the report that I didn't not authorize. There was also a collection on the report the report as well. I know I am old to be buying a house but it is something I would like to pas on to my daughters and their children.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX Open Date XX/XX/2010 Balance : {$7200.00}

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 2022-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Exactly 18 months ago, I opened a XXXX Capital One credit card with a 0 % promotional APR for 18 months. For the past 18 months, I have been paying down the balance of my credit card in equal installments to ensure no interest was charged. As my last billing cycle closed in XX/XX/2022, I paid off the full remaining balance of ~ {$1600.00}. On my XXXX statement, i was charged about {$30.00} in interest. However there was no balance to apply any interest to. Furthermore, my interest rate of 22 % doesnt mathematically correspond to the interest amount charged. I attempted to resolve the issue with Capital One customer service and they suggested I pay the interest this time and I wont be charged interest again,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX account on all three credit bureaus due to me being overseas at time and accounts being opened fraudulently. Current balance shows negatively on my account and when disputed in late XX/XX/2017 the credit bureau and company were sent travel docs showing me being overseas in XXXX at time and not able to apply for the card. This account along with the XXXX and XXXX accounts are Freud.they were all seemed to be open around same time while overseas. This has been q never ending battle with companies and credit bureaus to get removed. I also had identities freud statements on all credit bureaus during this time. No information was verified and when disputed the credit bureau stated it was valid. I am requesting accounts be permanently removed from my accounts 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 2023-06-30
Company: EQUIFAX, INC.
State: AL
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 recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06
Company: Experian Information Solutions Inc.
State: NJ
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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 

I'm reporting this as an effort to clear my name.

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 2023-11-12
Company: CrossCountry Mortgage LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
XXXX XXXX and CROSS COUNTRY MORTGAGE are complicit in another fraudulent mortgage lending error. 

I was never provided anything close to a HUD-1 document at my closing. 

There has been absolutely no communication from this lender or XXXX XXXX  office. 

They are in serious violation of regulation set in place specifically designed by the CFPB. 

Please reprimand this felonious activity immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please know the information on my credit report is not correct. I've listed addresses and inquiries that do not belong to me. I need this fraudulent information removed 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