BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
State: MS
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:
Please investigate the following claims versus me of which I've contested the reporter 's privilege to do so and launched challenges of the evidence supporting their claim of reportability! The information I suspect is in deviation from reporting requirements include but likely is not limited to the following so please require removal or evidence of reporting adequacy : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX Reporter making unverified accusations of injurious derogatorily reporting and or allegations of delinquencies elsewise does so without satisfying their requisite criteria to have even utilized the PRIVILEGE to report and further failed to substantiate claim 's report-ability upon my rightful challenges to demonstrate confirmed certifiably compliant reporting processes and practices such as provable absolute adherence to the mandates of reporting laws and standards including but not limited to that of the XXXX, FCRA, ECOA, applicable state regulatory requirements and or even that of the mandatorily utilized Metro2 Data-filled field formatted reporting standards. Per XXXX 'S own XXXX manual, " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA '' alleged, thereby bringing into question reality of reporter 's actual abeyance of laws. Federal reporting regulatory requirements include a minimal compliance of reporting to a degree no lesser than that of a MAXIMUM POSSIBLE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS. YET, the reporter still reports deficiently despite my notifications of such and calls for them to vet their own processes and practices and abiding by the very standards deliberately designed to aid adequacy in lawful reporting. 

I can only assume the reporter was willfully noncompliant in their injurious unfair reporting or at best recklessly negligent in ignorance or purposeful disregard of consumer rights much less it's own reporting requisites to satisfy the very conditional criteria for their obviously assumed privilege to report. 
I request you to force the deviant reporting bodies involved to cease reporting at least until data alleged is certifiably compliant to mandates or else eradicate the allegations in permanence altogether! The company refuses to investigate nor eradicate the negative tradeline at all.

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 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$96.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-27
Company: TD BANK US HOLDING COMPANY
State: MD
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 credit report is showing NORDSTROM/TD BANK USA for {$3600.00} opened in 2018. I have tried several times to have this removed since this is not my account. They have declined the dispute every time with no back up informationto prove this is my so-called account. I am not sure of the next steps I need to do but this has been a very stressful situationand is affectingmy credit for somethingthat is fraud or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: EQUIFAX, INC.
State: IA
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:
There was a collection account that was added to my credit report for a item that was included in a chapter XXXX bankruptcy, that should now be on my account and after I disputed it it still shows that it is accurate. the bankruptcy was filed in XXXX of XXXX an discharged in XXXX of XXXX and the original debt that they are putting on my credit record is from XXXX which was well before the bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
State: GA
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
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:
I'm an XXXXXXXX XXXX XXXX  that is consistently being discriminated because of my Race by Trans Union! I filed a dispute stating I never signed for a loan with XXXX XXXX XXXX! And that I never paid any car loans late! Trans Union stated the incorrect information on my report is accurate! This fraudulent account is showing severe delinquency since XXXX. I asked repeatedly for documentation, the original lian documents from XXXX showing the XXXX I sighed with them and i was denied this request! I called Trans Union and ask for documentation proving I have a loan with XXXX. They denied my request! I told Trans Union repeatedly I only had car loans with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX! All my accounts are paid as agreed and no late payments ever throughout the loan! XXXX XXXX XXXX was paid off in XXXX. XXXX was paid off XXXX, XXXX. XXXX was paid off in XXXX, XXXX. XXXX was paid off in XXXX! I Never paid late on any of these car loans! I told Trans Union I have never owned a XXXX vehicle! 

They have refused to remove this fraudulent account from XXXX from my credit report! Trans Union is refusing to remove this information they know is fraudulent because I am an XXXXXXXX XXXX XXXX  and their company wants to discriminate against me to harm me financially and to prevent me from qualifying for lower interest and mortgages! 

This company is keeping this derogatory and fraudulent information on my credit report to harm me financially! They are intentionally refusing to remove this fraudulent information from my credit report to hurt me financially because of my Race! There is no other reason why they continue putting fraudulent information on my credit report! Its all being done because of my Race and to hurt me financially! I pay all of my bills on time and was never late on any of my care loans! I have attached screenshots of my Trans Union report as of XX/XX/XXXX and copy of my XXXX report showing no record of a loan from XXXX! 

I want to be compensated {$5.00} XXXX dollars from Trans Union for their intentional financial harm towards me because of my Race! I am an XXXXXXXX XXXX XXXX born in the United States of America and my dreams of owning a home and dreams of having credit cards or other lians with low interest rates was taken away from me because of this Company Trans Union ongoing discrimination against me!

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 2021-05-08
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have an account with Coinbase and decided to wire funds to my account in order to purchase cryptocurrency. 
They provided me with paying in details to a GBP wallet which I used to wire XXXX GBP to the wallet on XX/XX/2020. It is mow XX/XX/XXXX. 

So far nothing has been deposited into my account. I have reached out to Coinbase support through the site, which offers no opportunity to speak to anyone. I received an acknowledgement from them and one single follow up email saying they are investigating. But subsequent chaser emails by me have been met with silence. It is now a month since the funds were sent and there is no sign of my missing funds. I have confirmed that the wire was accurately sent using the exact details Coinbase gave and I have also noted from searches online that this sadly seems to be a common problem with Coinbase.

I have attached the details for paying in money to my account that Coinbase provided me and the details of the transfer I made that did not arrive

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX XXXX ACCT # XXXXXXXX XXXX XXXXXXXX, ACCT # XXXX, ACCT # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have the right 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 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 2023-02-17
Company: WELLS FARGO & COMPANY
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
They failed to address their No Fee Policies concerning their Fraud Prevention efforts. They failed to address the discrimination against my XXXX XXXXXXXX. They failed to address the invisible rounding down pennies of available credit below {$.00}. They failed to address the mockery and XXXX XXXX against my XXXX name XXXX. They failed to honor the cease and desist by continuing to attempt to collect the debt by offering a 60 % settlement offer. They failed to build the bridge between their departments and their Senior Leadership Team and Board including the CEO. They failed to build the direct and immediate bridge between their Advocacy departments, executive office/case specialists and their Senior Leadership Team and board including the CEO. They failed at addressing ALL of my concerns, delays and confusion caused by their behavior. They say they do business by the law. But then they wouldnt have had so many telebankers committing fraud by stealing social security numbers to increase their commissions ever since 2014. They failed to address that de facto structure of their business. They failed to address the maybe monitored bot prompts. They failed to address their dated glitchy computer phone answering bot who sends calls to random departments even when confirming I have asked to talk with the Fraud dept. They have failed to address the fact i had to be told by the fraud dept to ask the executive office to ask the credit services dept for the audit to fulfill the no fee policy. Instead of having a secure internal chain of communication to that effect. They failed to address anything of my concerns with this account. They failed everything. Total failure. They failed to address the fact Ive asked for the one and only person allowed to contact me to be their Chief Auditor since this entire fiasco is centered around the need and lack of an audit to assure and assist the fraud dept in fulfilling the no Fee policies and their instruction to me to stop making payments so as to keep the audit math as simple as possible for them for them to math the fees out and make sure all of the fraud is mathed out before reflecting an actual true debt amount. They failed to address the 60 % settlement offer being fraudulent bc the fees and possible fraud pennies might be mixed in with that math. MATH. THEY FAILED MATH. THEY FAILED THE FRAUD DEPT. THEY FAILED THE TEAM. THEY TOTALLY KEEP FAILING AT BANKING AND CLIENT SERVICES. TOTAL % 100 FAILURE.

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 2019-06-25
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A Debt collector has put me responsible for a debt that wasnt made by me or consent by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XX/XX/2023 RE : XXXX XXXX XXXX XXXX No Response To whomever it may concern : According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you. I respectfully request to be provided proof of this alleged item, specifically the contract, payment history, note or other instrument bearing my signature.

15 U.S. Code? 1692e.False or misleading representations- ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

I expect to see a response from you within 15 days proving the validity of this account. If you can not validate this account, then I ask that you immediately delete this from my credit reports. 

The following accounts are listed below : XXXX Account number : XXXX ( Balance {$26.00}, XXXX ) XXXX Account number : XXXX ( Balance {>= $1,000,000} ) XXXX Account number : XXXX ( Balance {$1000.00} ) Thank you and best regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a mortgage with Wells Fargo Home Mortgage in about XX/XX/XXXX. Then in XXXX, I requested HAMP Modification. Wells Fargo Home Mortgage incorrectly denied mortgage loan modifications on my mortgage in XXXX even though I clearly qualified. I spent lots of money on legal fees to the XXXX XXXX firm and others firms Additionally, Wells Fargo improperly froze or closed deposit accounts, and improperly charged certain overdraft fees over 20 years. 

Wells Fargo acted negligently in denying loan modifications at a time I was struggling, and failed to uphold its duty under the Home Affordable Housing Program ( HAMP ) to issue modifications to all troubled homeowners. 

Loan applications was being denied when they should have been approved. 

Wells Fargo engaged in a pattern of Fraudulent concealment and intentional infliction of emotional distress

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 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
In XX/XX/XXXX, XXXX commenced servicing of ( XXXX ) student loans issued by XXXX XXXX XXXX / XXXX  which reflects a current outstanding balance of {$21000.00} and {$23000.00} as if XX/XX/XXXX ( last reporting period ). In XX/XX/XXXX, i applied for the XXXX XXXX XXXX XXXX XXXX ( XXXX ). As a result, both loans were transferred on XX/XX/XXXX from XXXX to XXXX for processing. On XX/XX/XXXX, XXXX completed the processing of my XXXX application which was approved and as a result, both loans were canceled and the balances were zeroed out ( {$0.00} ). Since information regarding student loans are not required to be reported to the credit agencies, XXXX or XXXX did not report such transfer which continues to show that XXXX is servicing the loan. On XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX, I submitted disputes with XXXX, XXXX and Transunion disputing the accuracy of the balance and each time the resolution resulted in the balances remaining the same/accurate. I submitted verification letters from XXXX and XXXX showing a {$0.00} current balance to no avail. I contacted XXXX on XX/XX/XXXX and requested that the update my information with the credit agencies but they informed me that since they no longer hold the loan, they are unable to update the information and that i should contact XXXX. I spoke to XXXX but the said that they will send me a verification letter and that i would need to contact the credit bureaus to get this information updated, but this effort has failed multiple times.

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 2022-06-04
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:
Companies listed violated my rights

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXXDEPT OF ED # XXXX, XXXX XXXX XXXXXXXXDEPT OF ED # XXXX, XXXX XXXX XXXX/DEPT OF ED # XXXX, XXXX XXXX, # XXXX, XXXXDEPT OF ED # XXXX, XXXXDEPT OF ED # XXXX, XXXXDEPT OF ED # 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, have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 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 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 2021-05-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$14000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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