BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-23
Company: Credit Control, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Originally disputed this fraudulent collection back earlier and was able to remove it from my credit report. I then later check back a week later and see that the agency added the collection again as a new one starting a new time frame along with hurting my credit significantly as I recently applied for a credit card and was notified that I was rejected solely due to this collection issue. I've reached out to the collection agency regarding this account as it shows it's from 2017 back when I was merely XXXX and unable to have opened any line of credit under my name yet they refuse to acknowledge this and continue pressuring me through letters and automated phone calls. I provided proof of my ID to show valid information that this account was opened under fraudulent methods and the things they are doing are illegal yet no action from them. I'm already thinking of filing a police report if that can somehow help me but at this point this is hurting me for something that I have no idea on what money they're trying to viciously collect from 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 explanation
Consumer complaint received 2020-02-23
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: Account status incorrect

Complaint:
My student loan servicer XXXX is practicing deceptive practices to me as a borrower. I show seven late payments marked ninety days late back in XX/XX/2017. At that time i applied for a forbearance even have proof of that my loans were in fact in forbearance. Its not fair to me as a consumer that my credit report doesn't reflect the forbearance anywhere. By law the proof i have is a legal document from XXXX and should be honored as one. This has in-turn ruined my financial history and has caused me hardship severely from all entities included in. This could be so simple as to update my credit report showing all forbearance 's accurately and immediately. This is an unfair practice because i have used my forbearance time that i was entitled to and also charged interest for and still my credit reports do not match my forbearance history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My student loan servicer XXXX is practicing deceptive practices to me as a borrower. I show seven late payments marked ninety days late back in XX/XX/2017. At that time i applied for a forbearance even have proof of that my loans were in fact in forbearance. Its not fair to me as a consumer that my credit report doesn't reflect the forbearance anywhere. By law the proof i have is a legal document from XXXX and should be honored as one. This has in-turn ruined my financial history and has caused me hardship severely from all entities included in. This could be so simple as to update my credit report showing all forbearance 's accurately and immediately. This is an unfair practice because i have used my forbearance time that i was entitled to and also charged interest for and still my credit reports do not match my forbearance history.

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal TradeCommission 's Identity Theft Affidavit. Please delete the item as soon as possible. 


CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete the item as soon as possible!

The account should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16
Company: Experian Information Solutions Inc.
State: LA
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:
All 3 credit reporting agencies are keeping closed account information on my report, one as far back as 2012.

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 2020-02-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a problem where the original creditor and the collection agency are reporting the same balances on all three credit bureaus. XXXX XXXX-XXXX XXXX Account # XXXX** for the amount of {$1100.00}, XXXX XXXX-XXXX  Account # XXXX*** for the amount of {$1300.00}, and XXXX XXXX-XXXX XXXX Account # XXXX for the amount of {$1100.00} was sold to XXXX XXXX XXXX collection agency under the same account numbers and balances owed. Both the original creditor and collection agency are still reporting this information to all 3 credit bureaus and the credit bureaus continue to report this knowing that under the FCRA, if a creditor sells a debt to collections, then it can not continue to report a balance owed. 

Additionally, I previously requested that XXXX XXXX validate this debt they claim I owe and I never received validation confirmation. 

I have also sent letters to all three bureaus twice disputing this same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
A new account has been opened on my credit report. XXXX/XXXX  now appears on my report, and its got a XXXX dollar balance It was opened on XX/XX/XXXX, i did not open this account and have no clue who did. 

I filed a dispute with transunion and XXXX, and they say the information is accurate. I have no clue who made this account, or who is using it. I have no access to it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Action Collection Agencies, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
First of all I always have my ID on me so that is a HUGE lie! Secondly how would action collection agency know what happened? Where they there? Pretty sure this agency is located in XXXX so they are going off of what their client is saying which again is a lie! I am not responsible for anything! I 'm not working! Doctor did nothing so he gets paid nothing, simple! Do not contact me anymore about this INVALID DEBT!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TDF Financial Services, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My father passed away and I have to leave this country. I come back in three months. I called the credit card company XXXX XXXX  and I asked to remove late payment I even send the picture of the My my ticket and and my father picture when he was in the hospital. But no luck they said NO. Thank you

Company response to consumer: Untimely response
Consumer complaint received 2022-04-27
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act, the following listed inquiries are in violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX 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. 

I have provided Experian, XXXX, and XXXX with a copy of my identity theft 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 non-monetary relief
Consumer complaint received 2022-04-27
Company: Bread Financial 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: Account status incorrect

Complaint:
I opened a CC with XXXX XXXX XXXX via Comenity Bank for a 1 time use to get a discount on my purchase. I charged {$39.00}. I paid the bill in full and requested the acct be closed. 2 months later I receive a bill for {$30.00} late fee. I called was told my pymt of {$39.00} was 24 hrs late. It was XXXX time and I said maybe it was delayed via USPS. No waiving of fee. They are harrassing me calling 4x a day. Each month they add new fees. Nothing owed on this account is from my making a purchase it's all fees. This acct also says open. I requested it be closed. I have very good credit and this is abuse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-28
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On Tuesday XXXX XXXX at XXXX XXXX CST a transaction was initiated that withdrew {XXXX} from my bank account in order to buy bitcoin on coinbase.com. Although I had used the service often in the past this transaction was fraudulent -- at that time I did not even have access to a computer. I reported the fraudulent transaction to coinbase as soon as I noticed it had happened which was roughly about three hours later. I asked that the they cancel the transaction and they refused, stating that they would need to investigate the account security first. I reported this both by phone and by email. 

Coinbase immediately locked my account and I received an email shortly thereafter that was trying to glean how my account may have been compromised. I answered their questions to the best of my ability. After not receiving a response I called coinbase 's customer support line in an attempt to get my account unlocked and retrieve my funds, they repeatedly told me that hey " can not deal with account specific issues ''. I sent another email to support explain how much of a hardship this was causing me and once again asked them to reverse the transaction. 

I received no reply until today, Thursday XXXX XXXX. They again only tried to glean details regarding how my account may have been accessed and refused to address when I may be able to access my money or get it refunded. I have already provided as much information as I can in regard to their security question and stated as much. I only wish to get my money returned and have no interest in continuing to use their service. The irony behind the ordeal is that had I not reported the unauthorized transfer to coinbase I would have simply been able to transfer the money back to my bank account instead of having it withheld. 

The {$XXXX} debit overdrew my checking account by {XXXX} and I am accruing fees daily due to the overdraft. In addition to this, I will be unable to pay my XXXX rent, I 'm unable to buy groceries and I if this does not get resolved shortly I will wind up with a number of past due bills. 

Coinbase is holding my stolen money without consent or permission. I do not care if they close or disable my account but I need my money returned as it is causing a significant amount of hardship and additional costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capstone Credit and Collections , LLC has claimed that I owe them money they are claiming that I owe them {$820.00}. I have no recollection of ever doing business with this company knowingly or unknowingly. I have written to them asking them for proof of this alleged debt and to provide me with a contract bearing my signature between us, and they have failed to do this. This is not a company I have ever done business with and they are unable to provide me with any proof that I have any sort of contract with them for this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to these bureaus and they are disregarding a regular consumer dispute. I am very stressed I have been sending letters before filing this complaint and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I filed several disputes online from my credit report with TransUnion. None of those disputes appears in the history in TransUnions Online Dispute Service. 
The sites homepage states To submit a new investigation, click on the New Investigation link above. But there is also no New Investigation link. It is very frustrating as TransUnion has made it impossible for consumers to dispute, thus creating an unfair advantage for information furnishers who can easily report anything with impunity.

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 2017-09-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am XXXX, a XXXX ( XXXX ) XXXX XXXX. In the past few years, I  have suffered numerous XXXX XXXX XXXX. 
I always had excellent credit, but reached a point of being overwhelmed. I had such a hard time coping that I was prescribed XXXX XXXX and still had a hard time facing it. By mid-XX/XX/XXXX, I decided to pull myself out of the hole. 
So, on XX/XX/2017, I contacted my longtime bank, Fifth Third, to advise that I was working with a XXXX XXXX XXXX at a XXXX XXXX XXXX and intended to resolve my credit card debt with them. I asked for The current balance. 
The rep demanded {$110.00} or said it would be " written off as bad debt tomorrow. '' When I said I did n't have that amount today, but might tomorrow, he repeated the info. So I said " you ca n't get blood out of a turnip '' and he said - AND I WROTE IT DOWN immediately " we can squeeze the rock as hard as we can. '' This is a DISGRACE.I He then tried to get me to agree to a settlement, when I had already explained I had a XXXX. 
Of all my creditors, the one who treated me with threats was my own bank? 
Fifth Third -- awful!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: AZ
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 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 explanation
Consumer complaint received 2017-09-28
Company: Experian Information Solutions Inc.
State: MA
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:
Over the past several months, I have seen my Credit Score drop almost 40 points from XXXX to XXXX!! 

After multiple inquiries, I can not get a response that would explain why my score has decreased. There has been NO negative factors that might account for this type of change.. ALL credit cards are PAID in FULL monthly, I have NOT taken on any new debt or opened new Accounts ... 

My wife 's score of XXXX as reported in XXXX has also seen a notable decrease ... 

This is outrageous and I am looking for your assistance in getting to the bottom of the issue ... I have to believe that if that this is happening to my wife and I with OUTSTANDING credentials, there an underlying and systemic problem requiring immediate attention.. 

Please let me know how I can help with this matter.. 

Best Regards, 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 2017-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Over the past several months, I have seen my Credit Score drop almost 40 points from XXXX to XXXX!! 

After multiple inquiries, I can not get a response that would explain why my score has decreased. There has been NO negative factors that might account for this type of change.. ALL credit cards are PAID in FULL monthly, I have NOT taken on any new debt or opened new Accounts ... 

My wife 's score of XXXX as reported in XXXX has also seen a notable decrease ... 

This is outrageous and I am looking for your assistance in getting to the bottom of the issue ... I have to believe that if that this is happening to my wife and I with OUTSTANDING credentials, there an underlying and systemic problem requiring immediate attention.. 

Please let me know how I can help with this matter.. 

Best Regards, 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 2017-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I transferred {$1000.00} from my bank at Bank of America account on XXXX XXXX 2017 thru my mobile application to my bank account in XXXX. The money never made it to the account in XXXX due to a misspelling in my first name. After 2 weeks I called Bank of America in the us they kept passing me around making me reidentify myself every time and retelling the same story over and over again.they finally promessed me that the money would be send back to my us account. A week later I called again and was put on hold for 45 minutes without being able to talk to anyone .i would appreciate anything you could do to get my money back 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 monetary relief