BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-27
Company: CL Holdings LLC
State: WI
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:
Recently after reviewing and obtaining a copy of my credit report I discovered that XXXX XXXX ( the original creditor ), reported an account as " Charged Off '' and sold to Jefferson Capital Systems , LLC, transferring a balance of {$1400.00}. The account initial opening date is XX/XX/XXXX tentatively ( transfer date in XXXX ). Despite several disputes filings date ( s ) XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX verbally and written and recently in XXXX requesting debt validation from Jefferson Capital has failed to report any change. XX/XX/XXXX a certified letter was mailed to XXXX XXXX XXXX, a representative listed and collection agent for Jefferson Capital Systems , LLC. requesting removal of the debt, to date no response has been received. Despite my efforts each investigation from the Credit Reporting Agencies has resulted unfavorable and continues to report as " verified as accurate. '' According to the FCRA Section 609 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) mandates " promptly '' DELETION of all information that can not be verified. '' I have included proof of certified mailings addressed to the Credit Reporting Agencies ( CRA ). ( see attachments ). According to the FCRA, Section 609 ( a ) ( 1 ) ( A ) required by federal law verification through the original signed consumer contract for all accounts posted on a credit report. ( see attachment ) To date, debt validation has not been satisfied according to the FCRA statue ( s ) my consumer rights have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03
Company: Experian Information Solutions 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 am having problems with Experian and Experian XXXX. 
As of last month I had a XXXX XXXX score of XXXX or there abouts. On XXXX I had a score of XXXX. O had a debt on my record from XXXX and I paid it off. Ever since my XXXX XXXX score went down to XXXX from what I see. My XXXX  score is dropping from XXXX to XXXX. I tried Appling for Experian XXXX and according to Experian I have no score and no revolving credit so I don't qualify for Experian XXXX. To me this seems to be a catch 22. Also since I got my creditors paid off and no revolving credit why can't I have a score of at least XXXX or better. This is affecting my ability to apply for and obtain an auto loan.

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 2017-12-07
Company: BANK OF THE WEST
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
The first week of XX/XX/XXXXI requested a loan payoff from Bank of the West through their automated phone system. The payoff was {$14000.00}. I obtained a loan through my 401K for  {$14000.00} and obtained a cashiers check for the loan payoff and Priority mailed it to the address received on there automated system. The item was delivered on XX/XX/XXXX and the check according to my bank was cashed on XX/XX/XXXX and has since cleared my bank. The problem is that as of today XX/XX/XXXX no money has been posted to my account to pay off the loan. I have contacted their loan department several times and no one knows where the money is. I went to the local branch to make a XX/XX/XXXX payment so I would n't be late and showed the bank teller the canceled check that had Bank of the West stamp on the back and she called the loan department. Someone said oh the money was in routing and would be applied to my account. That was on XX/XX/XXXX and still nothing has happened. I have had to take time off work to try and figure out what is going on. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Ive tried to submit dispute on TransUnion website a few time but have been unsuccessful completing my claims through the website.

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 2020-05-06
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the removal of incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

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 2017-12-02
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I was a victim of ID Theft and there 's a lot of fraudulent items on my Equifax credit report. On XXXX XXXX, XXXX @ XXXX, I mailed Equifax : 1. Copy of credit report with fraudulent item 's highlighted. 
2. Copy of police report 3. ID Theft Letter to Equifax ( disputing fraudulent item 's ) 4.FTC affidavit 5. Copy of ID & SS card On Friday, XXXX XXXX, XXXX @ XXXX Equifax received my documents. I have attached USPS Delviery confirmation to this compliant for proof. ( TRACKING # : XXXX ) Equifax REFUSED to block all disputed fraudulent item 's. On XXXX XXXX, XXXX I received a letter from Equifax stating the item 's were VERIFIED. 

This is my final attempt to resolve this issue with Equifax before I start the LITIGATION process on Thursday, XXXX XXXX, XXXX in Federal Court,  seeking damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax deleted XXXXXXXX XXXX XXXX XXXX and XXXX XXXX then they Reinserted the collections without notifying me within 5 days of reinsertion violation of 15 USC 1692 ( c ) 805 ( b ) communication with third parties. Debt collector must have your prior direct consent or a court order to communicate to anyone about a debt. This includes credit reporting agencies. Also use 15 USC 1692 ( k ) 809 ( a ) validation of debt. They MUST Validate all debts! If not permanently removed by equifax. I will seek litigation and file a lawsuit. Equifax will be charged with preventing furnish from reporting debt on credit profile. The courts would rule in my favor examples XXXX XXXX EQUIFAX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX-XX/XX/XXXX & XX/XX/XXXX-XX/XX/XXXX for my  XXXX XXXX XXXX/XXXX account Ive contacted all 3 credit bureaus for these late payments to be removed but still no resolution.

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 2021-07-04
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: Was not notified of investigation status or results

Complaint:
I have sent out an complaint about inaccurate information that is being report on my credit report. It has been well over 30 day with no responds as an consumer under 15 USC 1681 ( a ) under the exclusion section under ( b ) anything that was extended or authorized from my credit card should be excluded from my consumer 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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not give the companies below consent to access my credit report/profile! 

XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-09-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021 a letter accompanied by a copy of the police report filed and my photo i.d was sent to Experian ( credit bureau ). This was actually a third letter to the bureau, stating that the XXXX XXXX account with a {$200.00} balance is fraudulent. The company refuses to abide by the law and remove this fraudulent account under section 605b of the Fair Credit Reporting Act.

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 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by XXXX XXXX OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.

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 2021-09-09
Company: Payward Ventures Inc. dba Kraken
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I signed up to kraken crypto exchange. I worried XXXX from my bank on XX/XX/XXXX. I understood there is a 72 hour or 3 day hold. we are going on 7 days and they refuse to release my money. They've asked me to send pictures write letters read articles etc which I did immediately as asked even though I felt that what they asked for was unwarranted. I felt bullied because I was at the mercy of their discretion toward my funds. It's been 2 days and I have not heard back and my emails to them have been unanswered. My money is still on hold. All I want is my money back in my bank account and off this site. I would warn everyone looking to sign up to stay away. There are tons of complaints against them and it's time we hold them accountable for actions such as this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
DUE TO THE PANDEMIC CRISIS, OUR TRIP TO XXXX XXXX, XXXX, AND XXXX WERE ALL CANCELLED DUE TO WORLD WIDE TRAVEL RESTRICTION DURING OUR SCHEDULED FLIGHT FROM XXXX ON XX/XX/2020. THE TRAVEL COMPANY ( XXXX XXXX/XXXX ) BILLED MY CREDIT CARD WITHOUT MY AWARENESS OR CONSENT {$280.00} AS " CANCELLATION FEE '' ... KNWOING THAT I DID NOT CANCEL THE FLIGHT. IT WAS CANCELLED BY XXXX XXXX AIRLINES SINCE XXXX XXXX PLACED A RESTRICTION ON ALL INCOMING FLIGHTS. WE ALSO BOUGHT TRAVEL INSURANCE AND XXXX XXXX IS REFUSING TO ISSUED A FULL REFUND. THEY OFFERED A CREDIT THAT WILL EXPIRE ON XX/XX/2020. ALL ( XXXX/XXXX ) TRIP IS DATE SPECIFIC AND THUS WE MUST PERFORM SUCH RELIGIOUS TASK AT GIVEN TIMES. XXXX XXXX DOES NOT HAVE PHYSICAL CORPORATION ADDRESS ON LINE TO FILE A WRITTEN COMPLAINT. ALL PHONE CALLS ARE DIRECTED TO ONLINE FILING OF COMPLAINTS WHICH IS A WASTE OF TIME. XXXX XXXX BOOKING No. XXXX. 
WE ARE DEMANDING A FULL REFUND OF THE TOTAL TRIP {$5900.00}, AND A REFUND OF {$280.00} CANCELLATION FEE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo regularly failed in the servicing of my mortgage. At various times, they alleged default and included foreclosure costs which were estimated and not actually incurred in violation of my mortgage contract and federal and state laws. As a result of the foreclosure costs, they required me to paid in full as a condition of restating the loan. Their own documents indicate requesting thousands of dollars of " Unbilled Attorney fees '' and their request for " Pending '' amounts violates the Fair Debt Collections Practices Act. Their reconciliations show they collected thousands of dollars not due to them and their reinstatement figures were materially overstated. During this period of alleged default and not actual fees having been assessed, Wells Fargo furnished negative information to the credit reporting agencies which continues to be furnished through today. These furnishings have prevented me from refinancing my financial obligations as well as indicating to other lenders that I was a credit risk. During the alleged default, they continued to prepare court filings that indicated they were due amounts that had not been incurred. Their law firm was relentless in the pursuit to obtain a court order of default in order to sell my home at sheriff sale. Even after they collected the money, they retained additional law firms alleging the total mortgage amount due. The underlying conditions they created resulted in health problems and the inability to earn a living having to defend their baseless claims.

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 2018-03-13
Company: FACTUAL DATA CORP.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone fraudulently used my credit to establish a line of credit. Experiencing multiple offers of insurance, health insurance, and credit card applications unwarranted via email and cellphone due to the latest massive credit breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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:
sent out a certified letter on XX/XX/2018, have not received a response to why ist there a unauthorized credit inquiry from the company. In the letter I stated that if there is no verifiable reasoning or proof to please delete and taken off credit immediately. I have not received a response as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX  XXXX  till XX/XX/2021 i have sent in multiple documents stating facts and truth regarding the account and they keep saying its reporting accurate. Also i was victim of identity theft i made a police report and submitted it to comenity bank and they still are reporting the account on my credit report. They told me the police report was not enough for them to investigate and said it will remain on my credit report until i pay the debt.

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 2021-07-04
Company: EQUIFAX, INC.
State: MI
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:
XXXX  XXXX  till XX/XX/2021 i have sent in multiple documents stating facts and truth regarding the account and they keep saying its reporting accurate. Also i was victim of identity theft i made a police report and submitted it to comenity bank and they still are reporting the account on my credit report. They told me the police report was not enough for them to investigate and said it will remain on my credit report until i pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXXBalance $ XXXX-Date Opened XXXX XX/XX/XXXX ( Original Creditor : XXXX  ) XXXX $ XXXX-Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: Square Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My Cash App account was closed because I allegedly violated their Terms of Service. When I was notified of this, I read Cash Apps Terms of Service and found that I had not done anything to warrant my account being closed for violation of their TOS. I contacted Cash App to resolve this matter, and Cash App refuses to explain to me what I did and they refuse to reopen my account. I have about {$7000.00} in my Cash App account as I use Cash App as my bank account and there is no way to spend or get my money out of my Cash App, as I do not have a bank account to Cash Out to. I can not buy food and I can not get paid, as my Cash Card and my routing and account numbers associated with my Cash App have been deactivated. I am certain that I did not violate any of Cash Apps Terms of Service and that the closure of my account was made in error. Cash App has failed to remediate my issue in a timely and helpful manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
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:
I HAVE HAD THE TIME TO REVIEW MY CREDIT REPORT AND I HAVE FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND IS NOT RELATED TO ANY TRANSACTIONS THAT I HAVE EVER MADE. I HAVE ABSOLUTELY NO IDEA AS TO HOW AND WHEN THESE TRANSACTIONS TOOK PLACE AND WHEN THEY WERE PLACED ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY PERSONAL INFORMATION GOT IN THE HANDS OF THE WRONG PERSON AND THAT PERSON WAS ABLE TO OBTAIN THESE ACCOUNTS USING MY IDENTITY BECAUSE THEY HAD MY INFORMATION. THIS SITUATION IS BEYOND ME AND IT IS CAUSING ME A GREAT DEED OF STRESS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

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