BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: FL
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:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

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 2023-03-17
Company: EQUIFAX, INC.
State: MA
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 Account name XXXX XXXX Account number XXXX Account name XXXX XXXXXXXX Account number XXXX Account Name : XXXXXXXX XXXX  Account number XXXX Account Ending In : XXXX Account Name : XXXX XXXX XXXX Account numberXXXX  account ending in : XXXX Account Name : XXXX Account numberXXXX Account Name : XXXX  Account numberXXXX  Account ending XXXX Account Name : XXXX XXXX XXXX Account numberXXXX Account Name : XXXX Account number XXXX Account Name : XXXX XXXX XXXX XXXX  Account numberXXXX Account Name : XXXX XXXX XXXXXXXX Account numberXXXX 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 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been in constant contact with XXXX  since XXXX about the inaccuracies on my credit report, such as names, addresses and employment. I have also sent a certified documents to report the inaccuracies. Each month I call they submit a new dispute case and tell me wait 30 days. Today I called to inform them that the inquiries listed on my account are not authorized. I also informed them that XXXX XXXX XXXX account was in litigation and through the multi millionaire dollar lawsuit through my Attorney General ( Illinois ) and several other states the company was required to remove the account from the consumer credit report. XXXX  has refused to update my credit report and send me an updated copy of my credit report.

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 2019-04-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mom wanted to refinance her home equity loan and credit card debt. We contacted Citizens Bank because that is where she had the equity loan. We answered a bunch of questions that loan officer, XXXX XXXX, asked and we were assured we would be approved. I submitted all the documents requested. We paid XXXX dollars for a home appraisal, I got a hard credit check, and my mom opened up a new bank account and has her social security transfered there to pay the mortgage. He told us we would get a small percentage off if we did that. The communication after that was nonexistent. No response and then a denial letter. I called to ask why my and my mothers income was supposed to be more than enough. Our credit is excellent and there was just no explanation other than the letter saying our income wasnt enough. I finally got XXXX XXXX on the phone and he said he would look into it and call back. He never did. I believe he was negligent in this case on every level.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Experian Information Solutions Inc.
State: NC
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 previously have been trying to get an issue addressed regarding identity theft on my report .... I have had several addresses and accounts that were as a result of my identity being stolen ... the addresses and some information has been removed and corrected but the accounts have not, .... i have a past ftc affidavits and I have added the additional accounts that I left out on these ftc affidavits ... I was told I did not have to have them notarized but one of them a month ago I did ... .. this information was mailed to you as early as XXXX of this year and has not been corrected ... recently you corrected some information and I am now sending the rest of the information that was missing from my first complaint regarding the accounts that are fraudulent ... I still have not been able to find out who have been using my information but so far I have been able to get all of the addresses and fake personal information removed and taken care of .... .but these accounts are still reporting that are on the FTC affidavit.

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 2017-08-02
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have had access to CoinBase without any issues for about two months now. I have accessed my account through two devices and after updating my password and attempting to log in on a different device, I was unable to access the account. The suggested solution was to contact customer service to send them my picture ID and proof that I live at the address on file, all of which I can do but I have not had a response from them in a week and I do need access to my account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Direct Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A phone number from XXXX, when I pick up a recording plays saying they are looking to talk to me, then another recorded voice come on but they make it sound like a real man, a mean man. And he threatening that if I do not call him " the case will get worse '' and " it's in my best interest that I call ''. Very loud and rude. He then give this phone number to call him XXXX and the email address https : //www.directrecoveryservices.com/. 
It's all fake and needs shut down before they get an elderly victim. 
Thanks for your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
late payments inaccurate

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 2023-06-28
Company: EQUIFAX, INC.
State: CA
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 called your department after I purchased a credit report with XXXX XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was collection account on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time just today I has a Collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ) I have never with this account listed below, so please help me remove this Collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : DEPT OF ED/XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX XXXX  Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: EQUIFAX, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: Experian Information Solutions Inc.
State: WA
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 was recently able to locate a defaulted debt on my credit reports that was originally with XXXX XXXX, but is now with XXXX XXXX. As soon as I found out there was a balance on this debt, I started issuing {$100.00} payments to XXXX XXXX in good faith, however, I feel this account should have Charged off on or around XX/XX/2017, or after 120 days of delinquency, the account should have been status-ed as Charged-off. Instead XXXX XXXX has been reporting 180-day lates for several years. In order for me to continue to make these payments in good faith, I demand that XXXX update the 24-month delinquency history to reflect the accounts status as charged-off in beginning in XX/XX/2017.

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 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 was recently able to locate a defaulted debt on my credit reports that was originally with XXXX XXXX, but is now with XXXX XXXX. As soon as I found out there was a balance on this debt, I started issuing {$100.00} payments to XXXX XXXX in good faith, however, I feel this account should have Charged off on or around XX/XX/2017, or after 120 days of delinquency, the account should have been status-ed as Charged-off. Instead XXXX XXXX has been reporting 180-day lates for several years. In order for me to continue to make these payments in good faith, I demand that XXXX update the 24-month delinquency history to reflect the accounts status as charged-off in beginning in XX/XX/2017.

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 2021-06-10
Company: CBC Companies, Inc.
State: LA
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 requested my consumer files from Innovis and the information they contain has to be deleted. Innovis has not been given written consent to contain any files or information on the consumer pursuant 15 usc 1681b ( 2 ). I demand to opt out and I demand any and all information this credit reporting agency has on me to be deleted. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: WA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: SC
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 Department of EducationXXXX Acct # XXXX XXXX XXXX  Acct XXXX  XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXXXXXX XXXXt Acct XXXX  they could not provide one XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit 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:
I contacted Capital One on XX/XX/XX/XX/XXXX... .. disputing {$1900.00}. 

To whom it may concern- Please note that services regarding the charges were for goods thats were not delivered as agreed and advertised. 

Please see where attempts were made regarding purchases for a specific app with XXXX and the game kept crashing and several charges were made and duplicated on several receipts to make combined charges. I have asked the developer and XXXX to reimburse me or credit my debit card and keep getting the run around. The developer of the app is also turning customers into test customers without notification or updates to the customer. The developer has also had major glitches in the app and support is not supportive with fixing the issues. I also reached out to support on the issues throughout XXXX and XXXX. I have told them that I have contacted my bank and have started a dispute requesting a refund. 

XXXX was also contacted on XX/XX/XXXX and XXXX before I contacted Capital One for a refund. The apple excuse is not eligible for a refund with no other explanation. 

I do not want XXXX to be able to charge my debit card with Capital One any longer moving forward as they you can not get an individual on the phone to speak with and they do not communicate back with specifics. 

Please see all attached documents regarding these purchases and efforts to get refunded first without trying to involve the bank. 


Merchant ( s ) Date ( s ) Amount ( s ) Information Needed XX/XX/XXXXXX/XX/XXXX {$56.00} {$64.00} {$48.00} {$27.00} {$32.00} {$32.00} {$54.00} {$41.00} {$27.00} {$48.00} {$81.00} {$51.00} {$16.00} {$100.00} {$16.00} {$59.00} {$46.00} {$27.00} {$75.00} {$48.00} {$29.00} {$64.00} {$32.00} {$160.00} {$54.00} {$54.00} {$280.00} {$340.00} *Original receipt or contract *Date of cancellation, return, or expected credit *Expected date of product or service *Description of product or service not received *Proof payment was made another way *Date and amount of valid charges on this debit card *Efforts to resolve dispute with merchant *Reason for cancellation or return *Merchants terms and conditions or return/cancellation policy *Amount of credit due *Reason due a credit *True nature of dispute *Copy of credit or voided receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted the debt collector company and capital one to state this acct XXXX opened on XX/XX/XXXX from the debt buyer with a total {$1800.00} past due as of XX/XX/XXXX. This charge was identity theft and they will not remove it. Theese are the companies below that it was reported to. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: LEXISNEXIS
State: FL
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:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( XXXX ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2020 at XXXX XXXX PDT My company used PayPal to receive a credit card payment of {$4300.00}. Paypal immediately and without reason put a hold on {$2900.00}. I called and was told multiple different reasons as to why the funds were being held : Reason 1 : " The funds will be released when you provide a tracking number '' -I am a XXXX XXXX XXXX XXXX facility, the transaction is for XXXX XXXX there is not and will not be a tracking number.

At this point I was transferred to another representative and was given a different reason.

Reason 2- " You have gone over the {$500.00} limit on keyed in transactions. 
-I replied that I was now very uneasy with any funds being held by PayPal , that my business cash flow can not tolerate {$3000.00} being held for " Up to 21 days ''. The representative attempted to release the hold, but was not able to. I asked to be transferred to a supervisor who could release the funds. At this point I was transferred to a supervisor who gave me the third different reason. 
Reason 3 - " You have gone over the {$8500.00} limit on incoming transactions total. '' -I replied that the funds need to be released immediately and that there are unacceptable and shady business practices going on. The supervisor rudely and with glee refused to release the funds, or provide me any acceptable reason why the funds were being held, or why I had been told so many different reasons. He informed me that PayPal would not release the hold for 21 days.

Company response to consumer: Closed with monetary relief