BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX and TransUnion supplied XXXX with the information and failed to properly investigate and resolve the consumer disputes about the credit reporting so I am disputing report number : XXXX. 

A XXXX XXXX ( XXXX ) & XXXX XXXX were instructed to report a very old ( identity theft/scam ) closed and charged off account to XXXX and TransUnion, using an invasive entity called XXXXXXXX XXXX XXXXXXXX XXXX XXXX another cartel ) and it recently showed up on my credit report. This company likes to use various illegal tactics ( e.g. mail fraud C # XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; violated provisions of the Fair Debt Collection Practice Act and are part of a class action lawsuit pending in the U.S. District Court. My information was also posted publicly ( I am a victim of identity theft ) on a private XXXX XXXX XXXX website called XXXX - part of the long list of illegal XXXX activities from this " XXXX '' and their affiliates. They also put an inquiry named XXXX on my credit report but did not provide an address or any other identifiable, source, information. I filed an inquiry with XXXX requesting more information on the XXXX inquiry however XXXX never responded with the contact information details. 

XXXX Tops List of Banks Who Received Federal Aid - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX dollar government bailed out XXXX and XXXX XXXX XXXX  XXXX have a history of using RICO, deceptive and unfair practices. XXXX dollar government bailed out XXXX along with XXXX get pleasure out of targeting vulnerable consumers such as XXXX XXXX. XXXX dollar government bailed out XXXX along with XXXX violated federal consumer protection law and reported inaccurate information to the credit reporting agencies.

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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, TransUnion has violated my rights by having : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my reports. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-04
Company: Jon Barry and Associates, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is a notice and demand of validation of debt and dispute. 
XXXX XXXX XXXX Account # XXXX This is a formal request for validation of debt according with FDCPA The above reference account is not acknowledge as valid and validation is requested. In addition to this request for validation. I am disputing the balance owed, the account status, the payment responsibility, the comments, the past due amount and the date opened portion of the alleged debt indicated by the above reference account. The insertion of rights to dispute should not be construed with verification or validation of alleged debt. 
Please provide me with the following : 1. A copy of your original contract to account # XXXX under which I accrued the alleged debt for {$430.00}. 
2. Please provide me with the name and address of the original creditor as well as proof of your authority to represent the creditor or consumer in this legal matter. 
3. An acceptable form of proof would be : A power of attorney or an assignment letter appointing you for the debt or a statement sworn under penalty and perjury that the debt is valid and you are legally entitled to collect this debt on behalf of the original creditor 4. Provide me with the name and the official title and person to whom you verified this information with, their company or their computer base system used for verification. 
5. Please also include the date which you communicated with that individual or the date by which the system was access. 
6. As a request for validation, please provide an accounting of any monies, property name is as collateral insurance or services subject-to or arising out of the transactions that create this alleged debt obligation. 
7. Please inform me of the date you opened account # XXXX 8. Please provide me a record of any payments or other reductions since the last billing statement for account # XXXX 9. Please inform me of whether your agency has a debt collection license of Florida and if not, please explain why. 
10. Please provide me with the date of your professional license for debt collection along with the name of the license, the license number, the name, address and telephone number of state agency issuing the license and your tax ID number. The address of your registered agent and your business registration issued by your Secretary of State office. 
If you provide the requested documents, I will require at least 30 days to investigate this information you provide. 
During this time you must cease collection activity, do not report any negative information to the credit bureau during this validation period. 
If your office does not respond in 30 days, you have to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05
Company: RICHLAND HOLDINGS, INC.
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A debt was submitted to collections based on an incorrect address. The correct address in question was for XXXX XXXX. This debt collector has the address in question as XXXX XXXX. I therefore received no communications regarding this debt from the debt collector or from the original service provider.

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 2017-03-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I was a former Well Fargo Bank ( WFB ) Credit Card customer since XX/XX/2013, this card was marketed by WFB as a way to improve an individual credit score and the capacity to earn cash rewards for its use. The rates associates to this card were higher than other usual account but the WFB representatives reason on the offering that the rate did not matter because the opportunity to earn rewards was extensive. So I signed up for this card. I was used to making purchases with this card and the earning started to accumulate and when they started to reach higher and higher credit for the use toward me - WFB without warning, or ability to cash the rewards decided to cancel my credit card effective immediately without the opportunity to cash my rewards and they keep over {$300.00} in cash rewards that I had earned. I do n't dispute the cancellation policy but the cancellation without notice amounts to change of terms for earnings received and a taken. Other credit cards issuers like XXXX even after cancellation allow consumers the opportunity to cash their rewards even after cancellation of the credit card. 
Wells does not. Wells takes consumers monies by the enacting of this policy. Their policy is deceitful and its based on unfair business dealings.

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 2018-10-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a Citibank checking and savings account on XX/XX/XXXX with the promo code XXXX with the expectation that once I met the criteria that were stated I would get the promised {$400.00} cash back. As of XX/XX/XXXX, not only have I not received my cash, I have had to call in multiple times to have incorrect fees waived from my account. I have had multiple claims supposedly submitted on my behalf but they have just gone into the ether.

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
Consumer complaint received 2018-08-04
Company: JPMORGAN CHASE & CO.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Chase auto finance is reporting lates/ repo over 60/90 days on my credit report. I have reached out to the credit bureaus As well as Chase to have this lates removed. The dates and the amounts are as follows : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. The amount for each payment is {$420.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
The company took my money and took my account I want my account back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/10, I decided to apply for the Discover it Cash Back credit card. Before I submitted my application, there were two items required in order for me to submit my application successfully. First, the front and back of my driver 's license and secondly, my social security card. The website advised that it was to confirm my identity which is ridiculous especially at a time when data breaches are occurring more frequently. I did not feel comfortable uploading those items and discontinued the application process. I did not submit my application successfully therefore a hard pull of my XXXX   credit file was not warranted. Discover Financial should have done a soft pull and once I submitted my application, a hard pull. With all due respect, my score dropped 10 points due to their hard inquiry. I did not even receive any confirmation from Discover Financial that my application was even received so I believe this was an error on their end. I emailed their executive office XXXX. I immediately advised that I was no longer interested in applying for their credit card and that I did not submit my application to them for processing. The next day, I received an email from their customer service department advising that my application was still pending. After further research, many consumers that have tried to apply for their Discover It credit card have complained about the same thing : they request a copy of their social security card to be sent to them to confirm citizenship disguised as identity. Their tactics are appalling and I have reported them to the XXXX  as well. I did not submit my application to Discover Financial because I did not think it was safe to submit my social security card out of fear that it would be compromised and discontinued the application process. No other creditor has ever requested for me to send them a copy of my social security card to apply for credit. They had no right to pull my credit report since I did not finish their application process online. To add insult to injury, no one from their executive team has had the courtesy to reply to any of my emails. Furthermore, I think that XXXX  is also at fault because they allowed them to pull my credit report in the first place. I will never apply for any other credit card that XXXX  recommends since they receive a commission for each applicant. I have contacted XXXX   and have received no assistance there either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7400.00}

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 2023-10-14
Company: Experian Information Solutions Inc.
State: NY
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 desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-10-14
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
I have sent all three credit bureaus my police report, my ftc report and letters provided by the creditors that the accounts was never paid late and they dont belong to me : I havent heard from the credit bureaus ; on XX/XX/XXXX I submitted my information : XXXX XX/XX/XXXX; XXXX I submitted my information :, on XX/XX/XXXX ; XXXX I submitted documents : XX/XX/XXXX and XX/XX/XXXX I submitted documents. No results the items remain the same.

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 2021-11-17
Company: Dynamic Recovery Solutions, LLC
State: VA
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:
The balance keeps getting sold and reopened as a fresh account the account is so old that regardless to anything the information shouldnt even be on my credit report. The origination date keeps getting reaged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In order to REMIND XXXX and TransUnion Credit Bureaus that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that XXXX and TransUnion BUREAU MUST DO THEIR JOB PROPERLY and immediately remove of these fraudulent 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

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 2023-09-18
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Opened credit card account with Barclay Delaware Bank to use for a Carnival Cruise. Was approved and they stated they mailed a card to my address, however, after a few weeks I never received a card and received an email from them showing a balance on the account. I immediately called them and reported I had not received a card and reported this as fraud, they stated they would investigate and send a new card. I received a new card but chose not to activate it, I received another email with a increased balance on the card. Called them again, stated they were still investigating. I ask them to close the account because I decided I did not want to deal with them and all the issues with the card. They stated they would close the account. I received a letter in the mail stating that the charges were verified to be fraud and I was not responsible for the charges. I assumed the card was closed and all was good. However, they have now reported this to the credit bureaus as I am delinquent on the account. I have contacted them several times to get this resolved but all they tell me is to wait 30 days and they will have it fixed. It never gets fixed. I disputed the credit bureaus and received letters from Barclay then stating it was being reported correctly and would not be taken off my report. I did not make these charges ; I live in Tennessee and these charges are in Indiana. I was going to hire an attorney but was told to contact you first. Thank you for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: SC
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  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 XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXXXXXX 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 2021-11-17
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I bought two currencies, one for XXXX, and one for XXXX from coin base, coinbase.com took the XXXX and XXXX dollar deposits from my bank, and also another for XXXX ( a double withdrawl) which overdrew my account right before I was paying rent. I complained to my bank XXXX, so they started a fraud examination, and returned the money to my account, but now my coinbase.com account is locked by a bot, and i have sent many many emails, and no response, just automated actions that have frozen my account. I have tried to pay the balance to restore my account , but each time I submit for payment, the balance goes to XXXX, and it does nothing.

Company response to consumer: Closed with explanation