BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. Account # XXXX has violated my rights. 15 U.S. Code 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the XXXX period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. According to the FRCA the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything must be 100 % Accurate. I have the credit report showing the inaccuracies.

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 2023-03-20
Company: EQUIFAX, INC.
State: NJ
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:
Im accordance with the fair credit reporting act, this creditor has violated my rights. 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
The card Im placing a complain about is a XXXX  prepaid debit card provided by Bank of America edd card Ive been having a constant issue with every single new debit card I receive from provider someone else withdrawals my account before I do and it takes a long frustrating time for me as this is my only form of income theres definitely a problem with this security system which has been reached by individuals which are also aware of. I would like to get a full investigation of every single purchase and atm withdrawal from XX/XX/XXXX to XX/XX/XXXX I believe that with this debit card the only way I the consumer is available to do purchases is by me being present and placing my PIN number when the purchase is done. Not by any other form or way am I supposed to do any purchase not by credit since its not a credit card The account number is XXXX under XXXX XXXX XXXX Also when dispute filed I will receive letters stating that I would be credit by certain day and it never happens Im always supposed to be calling and yet they still have me wait a additional 10 business days not including the days they have already conducted by investigating the dispute which may take 90 days

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 2023-08-04
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:
Dear Sir/Madam, Transunion made a mistake on my credit report they added a loan account from a company called XXXX XXXX XXXX XXXX , I have never opened a loan account with such a company and never had a loan opened from any company before. Also, Transunion added the following address to my credit report " XXXX XXXX XXXX XXXX XXXX, NY XXXX '' I never resided at such address and I have no knowledge about it. 

I disputed the charges with Transunion through XXXX and the results of their investigation was : TransUnion investigated your dispute but the information was verified as accurate. Other information was also updated. 

There is 0 % chance the I had such a loan account because the account was opened XX/XX/2016 and I had No SSN or any ability to have a loan or credit under my name at that time. 

This all started when I called Transunion trying to lift off the fraud alert I had put on my account in mid-XXXX. Transunion took all of my information over the phone, name, date of birth, address, and SSN number. And they couldn't help me remove my fraud alert, so I kept it as it is. Two days later, I received a notification that there has been a change to your credit report. Once I opened my XXXX XXXX account to check, I noticed that my Transunion credit score dropped from XXXX to XXXX which is XXXX point decrease. Moreover, I called them and explained to them that they made a mistake since it all happened only when I contacted them. I then disputed the loan account that was put on my credit report ; and the wrong address they put on my account. Now I'm not sure how such a mistake could happen from a credit bureau. I'm in the middle of applying for loans and this hurts my current and future plans. Transunion made a mistake and I'm paying the price for it because when I called them they said it will take 30 days to resolve the dispute and this is financily damaging to me and I don't know to etxten I have already been or will be financially harmed. Please help me resolve this issue ASAP. 

Additionally, have two dispute number one from Transunion and one from XXXX XXXX dispute number : XXXX Transunion dispute number : XXXX Attached is two pictures shows the loan account and the wrong address mentioned on My credit report. Thank you.

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 2023-09-08
Company: Ratchford Law Group, P.C.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had a very old debt from 2013 that was bought from XXXX debt collector to another. 
The second debt collector has threatened to sue me even though I have never made a payment to them. The debt is over the statute of limitations and not required to be paid after 3 years in NH and 4 years in MA

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 2023-07-22
Company: Experian Information Solutions Inc.
State: FL
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:
These inaccurate addresses that reporting without my consent or approval i am 100 % sure these addresses is not mines ( XXXX XXXX  XXXX XXXX, XXXX XXXX, Fl XXXX ( Remove immediately/ Unauthorized item ) I never lived here. 
XXXX XXXX XXXX XXXX  XXXX XXXX, Ma XXXX ( Remove immediately/ Unauthorized item ) I never lived here. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX , FL XXXX XXXX inaccurate ) Must correct address - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX UNAUTHORIZED address/ I never lived here ( REMOVED AND DELETE ) ( 6 Accounts reporting ) US DEPT OF ED/XXXX  6 Unauthorized ACCOUNTS Open XX/XX/XXXX This company is reporting Multiple times on my report and reporting inaccurate information/ account is reporting 41 potentially Negative Months. In which it is very strange because i didn't give this company permission to run my credit and issue out credit or etc. 

XXXX XXXX XXXX Open:XXXX Balance updated : XX/XX/XXXX XXXX XXXX Original Balance : {$17000.00} Balance : {$20000.00} CLOSED ( 51 POTENTIALLY NEGATIVE MONTH ) INACCURATE This account is outdated. Passed 7 years old. ACCOUNT IS REPORTING INACCURACY. This account is reporting information without my written consent. It is illegal to report late payments 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ) / 15 USC 1681a ( d ) ( 2 ) ( B ) 15 usc 1691 denial of credit SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA 15 U.S. CODE 1681n Civil Liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 
ACTION : Remove immediately/ DELETE ACCOUNT. 


( COLLECTION ) XXXX XXXX XXXX Account # XXXX Open:XXXX INACCURATE original balance : {$610.00} Debt buyer Balance updated : XX/XX/XXXX ( inaccurate/ VIOLATION ) XXXX XXXX XXXX /Original creditor : XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX Open:XXXX UNAUTHORIZED original balance : {$1200.00} Debt buyer : Unauthorized ( VIOLATION 3rd party ) 15 USC 1682 XXXX /Original creditor : XXXX XXXX XXXX XXXX  Account # XXXX Open:XXXX COLLECTION original balance : {$640.00} UNAUTHORIZED Debt buyer : Unauthorized ( VIOLATION 3rd party ) 15 USC 1682 - Validation of Debt ( documents of signature in ink and contract ) XXXX XXXX XXXX/ Original creditor : XXXX XXXX XXXX XXXX Account # XXXX, Account # XXXX Open : XX/XX/XXXX, XX/XX/XXXX 2 COLLECTION same company ( IDENTITY THEFT ) ( Duplicate ) XXXX XXXX. 
VIOLATION UNDER CONSUMER LAW. 
NOT MINES OR HAVE ANY OBLIGATION

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 2023-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Opened account with capital one bank on XX/XX/23. Capital one closed my account for suspicious activity. Ive been calling capital one for several months to release my funds. Ive uploaded an ID for verification. I spoke with XXXX ID # XXXX and he stated they dont have a time frame as to when my funds will be released. I have several credit cards and auto loan with capital one so Im not sure how my account is fraudulent. Its now XX/XX/XXXX and still no returned phone call from the XXXX that was left on XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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: Old information reappears or never goes away

Complaint:
ExperianXXXX XXXX XXXX 

I have written to all of them severally and also made uncounted amount of phones calls to the above companies, but they have delayed the removal of several derogatory information on my credit report till date.

My personal details was compromised and used for fraudulent purpose, and i reported the fraud alert when I returned from XXXX XXXX  for my country 7-8years ago.

The FCRA Law, stated clearly what is expected of the credit agencies after 2 years, and still they have not deleted and remove all the fraudulent addresses/credit card/loans/student finance details reported on my profile.

Its over 6years now, and they still left the negative information on my credit file and it has affected my life and my family. I have just recently reported a fraud alert again.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 explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have attempted to contact Equifax by phone, email, online and through certified mail to correct and have false information removed. I have opened investigation after investigation and its clear that they are not conducting proper investigations. My birthday is incorrect, they are reporting charge offs as late with open balances. They refuse to remove addresses and names that are incorrect. I provided them the correct information along with UCC codes and other scholarly reference based information. I have been named in their data breach and they are still messing me over

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2023, I fell victim to several multi-layered scam operations run by a sophisticated group of thieves using the XXXX app which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I mailed in and disputed online XX/XX/2023 with XXXX and XXXX to reinvestigate the following account : Account name : Capital One Account # : XXXX. However, they stated everything was complete and accurate. But how is that possible if the date of last activity, charge off, balance update, last payment date updated and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account info Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, has violate my rights. 

15 USC 1681 Sec. 602, states I have the right to privacy.

15 USC 1681 Sec. 6-4a 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 XXXX XXXX  account under an open and consumer credit plan as late for a 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 explanation
Consumer complaint received 2023-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am writing regarding unauthorized ACH transactions with Bank of America on my business checking account. The charges were made to the company " XXXX XXXX, '' which I understand to be an online gambling site. The unauthorized charges were made between the dates of XX/XX/XXXX and XX/XX/XXXX. 

I contacted Bank of America and XXXX on XX/XX/XXXX after becoming aware of the problem. I became aware of the situation after multiple other accounts with Bank of America, XXXX XXXX, and XXXX XXXX 's ( XXXX XXXX ) were compromised similarly. I called XXXX on XX/XX/XXXX to report the problem and emailed their legal department. I called Bank of America on XX/XX/XXXX and again on XX/XX/XXXX to report fraud and asked them to put a hold on my account. 

Bank of America assured me they would investigate the claim and asked me to complete a form documenting the unauthorized ACH transfers. I emailed these documents on the evening of XX/XX/XXXX to the address listed on the form. 

I called Bank of America to follow up on my claim on Wednesday, XX/XX/XXXX, and was assured by the fraud representative that they were looking into it. 

After not hearing anything from Bank of America for over a week, I called again on Monday, XX/XX/XXXX. At this time, I found out that the claim had been denied or, as the phone representative told me, " not found in my favor. '' I asked if she could explain why it was denied, but she could not. She agreed to re-open my claim and asked me to fax a letter of appeal to the bank, which I did that evening. 

I still have not received any correspondence from the bank. My bank account remains frozen. My phone line has been disconnected, my website is at risk of being shut down, and I am losing money due to this problem. Not to mention I still have {$6000.00} missing from my bank account, and nobody seems to be able to do anything to help me. I never received a claim number ; I did not receive any letters or explanation regarding my claim, nor did I get any sort of temporary credits to my account while the claim was investigated. 

I plan on continuing to pursue this claim to the fullest extent. I have been a loyal customer of Bank of America since XXXX and trusted them to keep my money secure. I did not authorize these charges. This is an account used for business purposes and business purposes only. I am writing because I need help to understand my rights and what I need to do next to get my hard-earned money back.

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 2023-05-01
Company: Experian Information Solutions Inc.
State: DE
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:
Attention EXPERIAN THERE are inquires on my report that I have not authorized. please remove immediately for you all have violated my rights by not investigating thoroughly.

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 2023-05-01
Company: Experian Information Solutions Inc.
State: AR
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 would like to tell you 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; 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