BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-30
Company: DISCOVER BANK
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Called Discover and spoke to a business credit specialist that informed me that when my applying for a business credit card account that my personal credit report would not be pulled. After applying and being declined, my personal credit report has an inquiry that otherwise, I would not have applied for. Was told that I was declined due to, 'too many revolving accounts with high balances ''. I was just approved for a Discover IT personal credit card account less than three weeks ago. Why wasn't this an issue at that time?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly request that you act quickly to eliminate the unauthorized inquiries from my credit report. They are causing significant distress and I have supplied the necessary documentation for verification. Please expedite your investigation into this matter.

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 2021-07-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Toyota Motor Credit reporting 60 days late. This always shows on my credit report, which is not true. This is incorrect information, that Toyota Motor Credit reporting to the credit bureaus damaging my credit with false information. I disputed it with credit bureaus, and they changed nothing, just sent the mail that all correct they verified it. I disputed it with Toyota Motor Credit, and sent the proof as attachment with all statements from my checking account, thats the only proof that shows no 30 or 60 days lates. After all Toyota Motor Credit update the information with the same lates. I have the copy of disputed letters with attachments, and the proof of delivery ( mails was sent certified ). Please help me to remove this incorrect information from my credit report. I can send you the evidence of my payments and you can check that no lates on my account, and the Toyota Motor Credit going against the FCRA rules about accuracy, fairness of reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
IN RESPONSE TO CFPB COMPLAINT:XXXX To Whom It May Concern : This is in regards to the following accounts : XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX   XXXX  Account XXXX Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your  assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX  has reason to  determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ),  and XXXX v. XXXX, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you. 


XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX , FL 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 2020-12-16
Company: DISCOVER BANK
State: TX
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 account with transunion ( XXXX XXXX XXXX ) and derogatory account with XXXX  ( discover financial services XXXX  ) is false and misleading my credit report. Youve sent me only bank statements as proof of validation. That is not legal proof that is stated in the FCRA. Also you sent me a envelope with you logo on it which is a {$1000.00} fine. An because your attempting to collect a debt that is against the law. Also stated in 15 USC 1681b you can not file a consumer report unless you have a written order from the courts, also should be accordance with the written instructions of the consumer to whom it relates. Stated in 15 USC, reports should not contain information solely as to transactions or experiences between the consumer and the person making the report. Also you sending me a letter with your logo on it will result is a fine from $ XXXX {$1000.00}. Thats three offenses. The congress also stated that any authorization or approval of a specific extension of credit directly or indirectly should be excluded from your report. Also during your investigation did you conduct personal interviews with any of my neighbors and family or associates? A consumer has right to privacy so since your reporting this information its infringement against my privacy. 15 USC 1692b states that no debt collector can state that I owe any debt. Thats a {$1000.00} fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: Coinbase, Inc.
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a Coinbase account in XXXX with XXXX as a ID username and password. I started using the XXXX XXXX in XX/XX/XXXX using a pin code and facial recognition XXXX. I completed all of the XXXX information using drivers license, debit card, ssc, birthdate and phone #. I purchased several $ XXXX of dollars of crypto currencies on the Coinbase exchange as an investment. XX/XX/XXXX my access via pin code and facial recognition XXXX was denied leaving my XXXX as my only access to this account. In XXXX of XXXX my XXXX  account had been closed due to hacking. Leaving me no options to access my Coinbase account. 
I have contacted Coinbase to resolve the access to my account thru bank records and the XXXX  that I provided. They say that the ONLY way to access my account was to use the registering email, XXXX that XXXX has permanently deleted. Coinbase has not provide me with an alternative resolution to establish my identity and has blocked my communicating email of XXXX. I believe that email as an XXXX  is the most vulnerable of securities in terms of financial services. I am deeply disappointed in Coinbase and their lack of care with customer complaints, account handling and access given the XXXX, know your customer, steps needed to establish an account. Coinbase has no communication thru phone or email. XXXX no longer works and my email XXXX has been blocked from this server.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to file a formal complaint against the credit bureaus XXXX, XXXX and Equifax regarding their lack of response to my dispute letters. Despite my diligent efforts to resolve the issues, I have not received any acknowledgement or response within the required timeframes stipulated by the Fair Credit Reporting Act ( FCRA ). To provide some background, I initiated the dispute process on XX/XX/XXXX by sending dispute letters to the credit bureaus listed below : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX In my dispute letters, I clearly outlined the specific errors and inaccuracies present on my credit reports and provided all necessary supporting documentation. However, I have not received any response from the credit bureaus. Despite my efforts, I have not received any meaningful response or indication that my dispute is being addressed. I would like these addresses deleted, but Im being ignored. The non-responsiveness of the credit bureau has had a significant impact on me. Its causing damage to my credit report and Im constantly being ignored by lenders. In light of the credit bureaus ' failure to address my dispute in a timely and appropriate manner, I kindly request the assistance of the Consumer Financial Protection Bureau in investigating this matter. I would appreciate it if you could intervene on my behalf to ensure that the credit bureaus promptly respond to my dispute and rectify any errors or inaccuracies on my credit reports. I have attached copies of the dispute letters I sent to the credit bureau. These documents provide a comprehensive record of my efforts to resolve this issue directly. Should you require any further information or documentation, please do not hesitate to contact me. Thank you for your attention to this matter. I sincerely hope that the Consumer Financial Protection Bureau can help bring about a timely resolution and restore the accuracy of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: CL Holdings LLC
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/20 i disputed a XXXX XXXX credit reporting for incorrect information. The XXXX account was removed from my credit report. On XXXX a new debt collecting company that purchased the XXXX account started reporting with even more incorrect information and showing as a new active account. I disputed the new account ( JEFFERSON CAPITAL SYSTEM ) with XXXX and the investigation came back as updated. JEFFERSON CAPITAL SYSTEM ( debt collector ) has incorrect information being reported as a new account as of XXXX. XXXX doesn't want to do the research to see the original XXXX account was removed for incorrect reporting data. XXXX sold the account to JEFFERSON CAPITAL SYSTEM and is now showing as a newly delinquent account. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE REACHED OUT ON SEVERAL DIFFERENT OCCASIONS REQUESTING INFORMATION FROM THIS COMPANY TO PROVIDE ME WITH SPECIFIC INFORMATION PERTAINING TO DEBT THIS COMPANY IS SAYING I OWE, WHO HAS GRANTED THEM THE AUTHORITY TO COLLECT THIS DEBT, WHEN DID THEY ACQUIRE THE DEBT, AND A COPY OF THE AGREEMENT I SIGNED WITH THE COMPANY THAT BEARS MY SIGNATURE THAT LEGALLY BINDS ME TO TERMS THAT REQUIRE PAYMENT WHICH CONSTITUTES COLLECTION AND REPORTING ON MY CREDIT. THE COMPANY HAS FAILED TO PROVIDE ME WITH THE INFORMATION I HAVE REQUESTED YET THEY ARE STILL REPORTING INFORMATION NEGATIVELY ON MY CREDIT REPORT.. I HAVE BEEN REQUESTING THE SAME INFORMATION FOR SEVERAL MONTHS WHICH IS A RIGHT I HAVE UNDER FCRA AND FDCPA. THIS COMPANY HAS NOT SENT THE INFO OR PROVIDED ME WITH PROOF IN A TIMELY MANNER WHICH IS AGAINST THE LAW

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 2023-11-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2023 Ive submitted a dispute to update my current address and remove my fathers address from credit report due to fraudulent account being opened at this address without my knowledge. 

I have submitted a XXXX Police report XXXX And identity theft report XXXX In adddition to lease and utility bills to current address. 
I was never aware of these accounts associated with XXXX and want them removed.

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 2022-08-10
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2019-01-30
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:
I told XXXX, XXXX, and TransUnion that someone had stolen my purse and belongings from the above listed place of business in the lobby waiting area some years back and I asked XXXX, XXXX, and TransUnion to block the information and they refused to remove all of the fraudulent accounts. I was unaware that they used my information to open accounts and made inquiries on my credit report until recently.

Where I'm from, I was never really taught anything about credit until recently so I never had a reason to check my credit report. So now that I've checked it I've come to the realization that due to my belongings being stolen I became a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$2000.00} XXXX XXXX XX/XX/XXXX - {$3500.00} XXXX XXXX XX/XX/XXXX - {$2000.00} XXXX XXXX XXXX XX/XX/XXXX - {$11000.00} XXXX   XXXX XXXX ( XXXX  ) - XX/XX/XXXX - {$350.00} XXXX XXXX XXXX ( MEDICAL ) -  XXXX XXXX XX/XX/XXXX - {$160.00} INQUIRIES : XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX   Financial Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX , XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry from 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
Consumer complaint received 2020-12-16
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: Account information incorrect

Complaint:
I currently have a personal loan with XXXX XXXX for {$3200.00}, as of XXXX XXXX, 2020, my credit report showed a new balance of {$340000.00}!!!! XXXX XXXX XXXX, XXXX XXXX and XXXX DOLLARS. the Representative I spoke with at XXXX XXXX on XXXX XXXX, 2020 advised there was a computer glitch and XXXX XXXX caught the glitch that disseminated erroneous balance information to the credit bureaus and within 48 hours my credit report should reflect the correct loan amount. 

My credit has already taken a hit and I am puzzled as to how a glitch can make a {$300000.00} error!!! PLEASE Help me. 

XXXX XXXX did not email me, did not have any messages on their website nor any social media messages. I found out about the error by checking my Transunion Credit Report on my own accord.

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 2023-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
According to the last complaint, his latest reply said that he would return my money, but more than a month has passed and there is still no result. I suspect that they deliberately want to embezzle the customer 's assets.Capital one.

Company response to consumer: Closed with monetary relief