BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These accounts and inquiries are not mine they was made without my permission, consent, inquires. XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX, KOHLS CAPONE Inquiry : XX/XX/XXXX, XXXX Inquiry : XX/XX/XXXX, XXXX XXXX Inquiry : XX/XX/XXXX, XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: CA
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX 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 non-monetary relief
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from 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 2022-04-02
Company: Nationwide Recovery Systems, Ltd
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022, I received a notice from my credit monitoring agency that there was a bill in collections from the business XXXX XXXX located at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. I immediately got concerned since I have never made a late payment and pay all my bills on time ( this was the only negative on my credit report ). However, when I looked online directly at the XXXX website, it said that I owed a balance of {XXXX}. I immediately paid that balance in full ( transaction number XXXX ; account number XXXX ) and called XXXX XXXX to let them know that I never got a notice of a balance due or even a letter saying they would put my account into collections. I left a voicemail as instructed with my account number and telephone number. I did not get a phone call back or any resolution. This is absolutely ridiculous that this company without put my account into collections as I have not even heard a single thing from them until my credit monitoring agency notified me. Furthermore, I have even received notifications from XXXX XXXX about my XXXX  machine having a recall issued on it. The company obviously has my correct email address. No notice was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 credit bureaus keep disrespecting the laws. I showed them multiple times they are violating the Fair Credit Reporting Act. 

According to 15 USC 1618i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission.

According to 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe the information is inaccurate.

( B ) Reporting information after notice and conformation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has be notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


I can go on and on The bureaus have no respect for the laws. 

Someone needs to hold the accountable for this.The Accounts are listed below. 

XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-05-02
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
At XXXX on XXXX I started receiving SMS verification codes from Coinbase. I woke up around XXXX due to constant pinging of my cell phone and saw all these texts and instantly knew something was wrong. I got multiple other texts saying withdrawals have been delayed for security purposes. I didnt do or authorize any of these. I jumped out of bed and instantly disabled my account online with Coinbase. I used their online submission form to disable. Since CB has no live agents to chat with I emailed them to ensure they knew these withdrawals were fraud. Since my account was XXXX I could not sign in to cancel these withdrawals. Ive emailed CB multiple times to inquire if they stopped these withdrawals that they put a delay on. I have heard nothing from CB on resolving this issue. On XXXX I started the account recovery process so had to send them pics of my drivers license and a selfie of me. They state it will be 4 days to recover my account. Since no communication from CB I dont know if they stopped these withdrawals or not. I have emailed 3-4 times with no response. 36 hours later and with 6 figures in my account before the hack I have no idea if I have any money left. Crazy that they cant assist me quicker and a multi billion dollar company has no live agents to help people immediately for these issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-02
Company: W&A Intermediate Co., LLC
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: Was not notified of investigation status or results

Complaint:
In XXXX, I received a notification from my credit monitoring app indicating the closure of a credit card account due to my low credit score. Upon reviewing my credit report, I discovered a substantial drop in my credit score and an unfamiliar account in collections. The collection agency involved is WAKEFIELD AND ASSOCIATES, INC, acting on behalf of XXXX XXXX XXXX XXXX. WAKEFIELD AND ASSOCIATES XXXX INC was assigned the account on XX/XX/XXXX, and the Date of First Delinquency is XX/XX/XXXX. 

Despite making several attempts to reach out to XXXX XXXXXXXX XXXX XXXX, I have not received any response. At the time of the alleged incident and currently, I possess health insurance to cover any emergency care expenses. I have no recollection of receiving a bill from XXXX XXXX XXXX XXXX, nor do I recall receiving treatment at an emergency room affiliated with them. Even if I had used their services, my insurance would have covered all relevant expenses. 

To address this issue, I sought legal advice and had a letter requesting debt verification drafted by my attorney. This letter was mailed on XX/XX/XXXX. Unfortunately, I have not received any communication from either XXXX XXXXXXXX XXXX XXXX  or WAKEFIELD AND ASSOCIATES, INC, despite more than 30 days elapsing since the letter was mailed. However, my credit reports now indicate that the debt is in dispute and meets FCRA requirements, indicating that the letter was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NE
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XXXX, to refund {$6.00}, sent me a XXXX issued by Fifth Third Bank, N.A. 

To activate it online took almost XXXX minutes. I can not use it when I purchase over {$6.00}. If I use it for a purchase lower than {$6.00}, then the balance carries over to use it for even a lesser amount for the next purchase. These restrictions are designed so that customers like me will end up not using the card. They also charge a monthly fee {$3.00} and replacement fee of {$25.00}. 

Using the credit or debit card method to refund the balance results in people not claiming it adding to the enormous profits ( unclaimed cards ) of the company issuing it. I will be stuck with monthly fee as well. 

Consumers must not go through such hassels to claim their refunds. This is a deceptive practice and CFPB must stop it. Please instruct the companies to issue refund checks instead of sending refund credit or debit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
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 were a corporate accounts and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The Experian, XXXX and XXXX Credit bureaus are willfully in violation of FCRA and condoning illegal behaviour, They must correct or remove these fraudulent accounts immediately. INQUIRIES : 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 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 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 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 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 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 2023-10-21
Company: SLM CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Took out a loan to attend XXXX XXXX XXXX  through my local XXXX XXXX.. Well they ended up not providing my training and instead they sub contracted me out to XXXX XXXX XXXX an unaccredited for profit training company that has since gone out of business.. I XXXX my truck and had a XXXX child that is now on ssi and it has been very hard.. We ended up filing for bankruptcy and included these loans which there was 2 from sally mae.. The loans are listed on my Creditor list and all were discharged.. They continue to try and collect and have resold the loans several times.. Every time i dispute them they pretend they are qualifying student loans that have protections and should not be dischargable.. These loans are dischargable and i can not get help from anybody even after showing them the list of creditors included these loans and explaining they were not actually qualified educational loans that should be protected from bankruptcy discharge.. Recently one of them was sold to XXXX XXXX and has destroyed my credit yet again.. Please help 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 2022-04-02
Company: EQUIFAX, INC.
State: CA
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : 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 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 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 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 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 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 XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: CO
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 had reached Equifax XXXX, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2022 I filed a dispute with Equifax through their online Dispute Center. I submitted a copy of my Driver 's License, the court ordered Decree of Name Change and a copy of my W2 in support of the dispute. All of these documents were submitted through the Equifax website. As of XX/XX/2022 I had not received any status updates from Equifax regarding this dispute, however when I logged into my account it showed that the dispute had been closed, but my information had not been updated. The Dispute Results file had the following note : " We have reviewed the identification information. The results are : PLEASE SUBMIT A COPY OF YOUR SOCIAL SECURITY CARD, DRIVER 'S LICENSE AND/ OR AN OFFICIAL DOCUMENT TO UPDATE YOUR NAME. '' On XX/XX/2022, I called their customer service line and was told by the representative that they were unable to find the documents I submitted through their system and that I would need to resubmit them, either by fax or mail. I was given this fax number XXXX and told that I could call back at XXXX to confirm receipt of the documents. I faxed the above noted documents to the number provided on XX/XX/2022 and called Equifax to confirm receipt. I was told by the agent that their fax number was no longer operational and that the only way to submit information was via mail. He went on to claim that it is stated on the Equifax website that the information can only be submitted via mail. This was a lie. In fact, they even state in the Dispute Results document that documentation can be provide through their website : " You may provide us additional information or documents ( such as an identity theft report or a letter from the reporting company ) about your dispute to help us resolve it by visiting our website https : //www.equifax.com/personal/disputes. '' I asked to be transferred to a supervisor and explained to him that I had submitted my personal information to Equifax twice already and was not comfortable mailing them physical documents because I had no faith that they would receive them or that my information would be handled securely. I asked for an alternative solution and was told that the only option was to mail my documents to them, which I am not willing to do at this point. 

All of this started because I applied for a small loan with XXXX XXXX XXXX XXXX on XX/XX/2022 and was denied. I was told by XXXX XXXX XXXX XXXX that the reason I was denied was because of the credit score reported by Equifax. They only pull reports from Equifax. My credit history is impeccable and I have a solid credit score, but due to Equifax 's inability to keep accurate records, I now have multiple unwanted adverse actions on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 # 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 2020-05-29
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XXXX alerted me that PNC made a change prohibiting me from linking my checking account to XXXX for easy money transfers. Not everyone uses XXXX as PNC does, and XXXX is by far the easiest way. This seems like PNC is trying to monopolize this market and I am not ok with that. If this doesn't change, I will definitely be pulling all my accounts from PNC. This bank has gone down the drain in the last few years and I am fed up.

Company response to consumer: Closed with explanation