BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
Company: Experian Information Solutions 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:
My complaint is against XXXX XXXX XXXX Bank ( XXXX ) and the 3 Credit Bureaus ; Experian, XXXX, and XXXX. XXXX has reported incorrect payment history on my consumer profile reporting that I was 30 days past due in XX/XX/XXXX and 60 days past due in XXXX of XXXX. However, my account was opened on XXXX XXXX XXXX, with the first payment due by XX/XX/XXXX. In XXXX I made my payment, bringing the next bill to be due by XXXX XXXX. A payment has to be 30 days past due before it can be reported as past due on my credit report, but on XX/XX/XXXX I was reported as 30 days past due already. How Can I be 30 days late in XXXX on a bill that is due in XXXX? I called XXXX and asked them to update the payment history. They explained that they could not make any changes on their end and the discrepancy would have to be disputed with the Credit Bureaus. The late payment statuses were hurting my credit so badly that I Submitted disputes of incorrect payment history to the 3 credit Bureaus. Experian ( online ), XXXX ( online ) and XXXX via written letter ( see attachment of dispute records ). I also called XXXX on XX/XX/XXXX and asked that If I were to pay the account off in full if they would remove and cease all reporting of this account on my credit profile. They accepted my terms, and I paid the account balance in full the next day ( see attachment of receipt ). 
The Credit Bureaus have failed to conduct a full and thorough investigation which is a violation of my consumer rights. Not only that, but per my credit report pulled in XX/XX/XXXX it's evident that the " In dispute '' remarks had never been attached to this account that I had disputed. Which is ANOTHER violation my rights under the FCRA. I have the right to an accurate and complete credit profile, but the data furnisher ( XXXX  ) reports inaccurate and inconsistent information between each of the 3 Bureaus. such as ; Payment history N/A on XXXX report XXXX and different payment history between XXXX and Experian, The date last active is also different between all 3 Bureaus, The high balance reported is also inconsistent ( see attachment on XX/XX/XXXX credit report ). How have they conducted a full and complete investigation and verified everything as accurate when this account clearly remains inconsistent and full of errors and violations? I want this account removed from my credit profile 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 2023-02-16
Company: Experian Information Solutions 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:
I have disputed said accounts several times and your company ( XXXX or Experian ) failed to dispute and/or did not notify me for permission to even post ANYthing on my credit report about this alleged debt. Therefore, XXXX, I inform you that the subject account being reported by your company has received a cease and desist letter ( formal ) and therefore ANY communication regarding this account is in direct violation of Fair Debt Collection Practices Act ( FDCPA ). 

This complain has also been submitted through CFBP ( see attached )

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 2022-11-02
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:
This account was paid off in XXXX of XXXX and they are still reported it as XXXX written off. This was settled in full and there is no balance and nothing written off. Should reflect as PAID with nothing written off Account name XXXX Account XXXX XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX XXXX XXXX, XXXX. {$210.00} written off. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX No phone number available Address identification number XXXX Type Credit card Terms NA Credit limit or original amount {$300.00} High balance $ XXXX Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account closed at credit grantor 's request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Bread Financial Holdings, Inc.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I purchased a 5 karat diamond engagement ring on a promotional plan with 40 % off. I got the ring from Zales from XXXX XXXX in XXXX, WI in XX/XX/XXXX with 18 months to be paid off and avoid {$20000.00} in interest. I also purchased another ring from the same store and the sale person explained to me that now that I have two accounts I must call Comenity Bank when I make a payment to request the funds to allocate to which ever account to be applied. Second purchase was on XX/XX/XXXX another promotion plan with 12 months to pay off. I made a {$400.00} payment and called it in to be allocated for plan XXXX, which is the first purchase. When I received my summary I noticed three plans in which it should only be two. I called the Bank and explained my payment wasnt applied and there is an additional account on my bill and requested an investigation and was told how to proceed to their website and make the complaint. I did and they notified me that someone at the company opened up a non- promotional plan and allocated the funds to the account.My funds were allocated to the account that I intended and paid the plan XXXX off on time. Plan XXXX is the only thing I should be paying for but, I noticed the Revolving charge account is still active on my account. I called back to ask for it to be removed and had to repeat the process for an investigation 3 more times.This bad practice is intended to frustrate the customer and reps starting to be rude and disrespectful. I last contacted the bank on XX/XX/XXXX to inquire about the investigation and how much is the balance on my bill and the rep wouldnt let me talk to a manager or supervisor

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My complaint is against XXXX XXXX XXXX XXXX  ( XXXX ) and the XXXX Credit Bureaus ; XXXX, Transunion, and XXXX. XXXX has reported incorrect payment history on my consumer profile reporting that I was 30 days past due in XX/XX/XXXX and 60 days past due in XXXX of XXXX. However, my account was opened on XXXX XXXX XXXX, with the first payment due by XX/XX/XXXX. In XXXX I made my payment, bringing the next bill to be due by XXXX XXXX. A payment has to be 30 days past due before it can be reported as past due on my credit report, but on XX/XX/XXXX I was reported as 30 days past due already. How Can I be 30 days late in XXXX on a bill that is due in XXXX? I called XXXX and asked them to update the payment history. They explained that they could not make any changes on their end and the discrepancy would have to be disputed with the Credit Bureaus. The late payment statuses were hurting my credit so badly that I Submitted disputes of incorrect payment history to the XXXX credit Bureaus. XXXX ( online ), XXXX ( online ) and Transunion via written letter ( see attachment of dispute records ). I also called XXXX on XX/XX/XXXX and asked that If I were to pay the account off in full if they would remove and cease all reporting of this account on my credit profile. They accepted my terms, and I paid the account balance in full the next day ( see attachment of receipt ). 
The Credit Bureaus have failed to conduct a full and thorough investigation which is a violation of my consumer rights. Not only that, but per my credit report pulled in XX/XX/XXXX it's evident that the " In dispute '' remarks had never been attached to this account that I had disputed. Which is ANOTHER violation my rights under the FCRA. I have the right to an accurate and complete credit profile, but the data furnisher XXXX XXXX  ) reports inaccurate and inconsistent information between each of the XXXX Bureaus. such as ; Payment history N/A on Transunion report XXXX and different payment history between XXXX and XXXX, XXXX date last active is also different between all XXXX Bureaus, The high balance reported is also inconsistent ( see attachment on XX/XX/XXXX credit report ). How have they conducted a full and complete investigation and verified everything as accurate when this account clearly remains inconsistent and full of errors and violations? I want this account removed from my credit profile 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 2023-01-07
Company: Experian Information Solutions Inc.
State: SC
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:
remove negative accounts From Experian. 

Both medical accounts are fraudulent. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

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. 

15 USC 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 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: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Back in XX/XX/XXXX, my father opened a CD/Savings account with Ally Bank on my behalf in which when I was attempting to access the account that then triggered a suspicious activity flag. 

I called directly to clarify my identity and that allowed this savings account to be a joint one. 

They said they would investigate and get back to me and this was on XX/XX/XXXX. Since then we haven't heard back so we've called about 10x between my father and I. 

We've received several go arounds without any real update or timing. One time they told me they had deactivated the account completely ( without notification to either myself or father ) and funds were refunded to the original source- which is my father 's XXXX XXXXXXXX XXXX account. While that was already a sloppy way of handling things, we were at least relieved knowing where the $ was. 

So we went down that rabbit hole of checking with XXXX XXXX XXXX  to come and find that they had not receive any funds from Ally Bank. 

There we are back to square one chasing down Ally Bank who continually gave us no real answer other than we would receive a call back. 

It's been 2 months, we don't know where our funds are, no access to the account and the absolute worst customer service, at times, yelling at us or hanging up. 

This is beyond what we would think is possible for a major bank like this to operate and frankly feels like fraud to us. 

We would like to know what further action can be taken to release our funds back in an urgent fashion or have some sort of transparent and tangible update. 

This isn't small amount of money too, this is money that we need back in our hands. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: Payward Ventures Inc. dba Kraken
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I am from XXXX and still rather new to the Crypto world and wish to invest more especially in XXXX, therefore started with a small amount to invest at Kraken back in XXXX XXXX XXXX XXXX XXXX  this year I figured that I already ran into a scam XXXX XXXX  ) and since then working with a team of crypro forensics and attorneys to solve this. Because I have transferred USDT from my Kraken account, I was concerned that the people from the scam platform my get access to my Kraken account, hence I asked the Kraken Customerservice yesterday, XX/XX/XXXX, to support me changing my password and upload a passport photo ID to replace my previous ID card, since the scam platform got that photo ID too. However, till then everything was normal with my actual Kraken account and I could always access my assets ( totally around USD XXXX - most of them still as EURO cash )XXXX 
After I informed the Kraken customer service, they 'temporarily locked " my account and told me they investigate this in a timely manner. After nothing happened in hours, I started to reach out to their customer service by email as I couldnt log on anymore, so I couldnt speak to a real customer representative by real time chat anymore ). Once in a while each time another name appeared in the E.Mail from Kraken, telling me that there will be a relevant team working on the issue. Nothing happened, same today, until a person called XXXX emailed me that my account has been disabled! I am in a state of shock as I dont know what happened to my family savings, as mentioned the USD XXXX / EUR XXXX. My wife is terrified and I promised her I do all to get our money back. I told Kraken customer service they shall please wire the assets back to my XXXX account, where all assets originated from. I also offered live call to proof my ID and verify I am the legitimate account owner. They didnt respond to that at all. I am in fear they just swallowed our family assets for no reason!

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 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$100.00} ; Medical XXXX Balance : {$480.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00} ; XXXX XX/XX/XXXX ; 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 non-monetary relief
Consumer complaint received 2023-02-06
Company: Coinbase, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
on XX/XX/XXXX XXXX someone got my Coinbase account information and made many transactions overnight. I saw this the following morning and locked the account. 
Coinbase acknowledged the fraudulent activity. i '' ve had to change many email addresses and my cell #. 
coinbase will not give me access to my account. because my cell # has changed, and I cant do the 2 step identification process. 
when I locked the account my balance was much higher than what it should have been, due to the hacker moving money in and out. 
i've contacted Coinbase several times, and all that happens is a circle of emails that produce no result. They wont tell me what my balance is or any other info. It's next to impossible to deal with these people .... 
they either hang up on me, or respond with a person that speaks XXXX XXXX XXXX. ..half the time I cant understand them, they get disgusted with me and hang up. I need someone to get involved, as I'm not getting anywhere on my own and these people are to stubborn to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC so 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my extreme frustration and disappointment regarding the unresolved dispute of inaccurate late payment accounts on my credit report. Despite my repeated attempts to rectify this matter, the inaccuracies persist, staining my credit report and causing substantial harm to my financial standing. 
Account Information : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am appalled by the prolonged and seemingly ineffective resolution process regarding my dispute. It has been years already since I initially raised the issue, and there has been no satisfactory progress or resolution. 
I previously escalated this dispute, as indicated in my earlier communications with your bureau. However, the length of time without any resolution is unacceptable. I demand an explanation for the extended delay in resolving this matter and an update on the status of the escalated dispute. I question the thoroughness of your bureau 's investigation process and demand a detailed account of the steps taken to verify the accuracy of the reported late payments.

Company response to consumer: In progress
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: NY
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 have been writing letters trying to remove the late history and my hard inquiry and as I was going over XXXX5 usc 1681 that it is illegal to report it

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