BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: IA
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, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
I submitted my first complaint on XX/XX/2023. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associate of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 ( 7 ) states everything has to be 100 % Accurate. I have the credit report showing inaccurate.

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: Law offices of Steven Cohen LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The account in question was settled and closed through Attorney for debt collector. 
Debt collector continues to increase balance of account every two weeks, falsely reporting information on a closed and settled account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have XXXX XXXX  XXXX new unauthorized inquiries on my report asking for immediate removal

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 2020-09-21
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from XXXX XXXX. I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.

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 2018-10-27
Company: Opportunity Financial, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
This company has very suspect application processes. As part of the final step for getting a loan, I was asked to provide my online banking login credentials. They made providing my user name and password part of the application process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
add this account to my credit report not my account

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 2021-02-01
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts are not mine, nor are the names & addresses listed on file, nor did I authorize these companies to pull my credit. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I used my ETH wallet address on Coinbase account to receive XXXX tokens in XX/XX/XXXX.  However, at that time I was not notified that the Coinbase actually do not support XXXX tokens. I emailed the Coinbase support team on XX/XX/XXXX regarding this issue and they did not get back to me until XX/XX/XXXX. In the email they told me the tokens were not supported and they could do nothing to recover the tokens. 

There are at least two things Coinbase could improve in the future : First, as everyone understands, unlike other traditional financial assets, digital currencies such as bitcoins are of extremely high risk and digital currency transactions are irreversible, as such, Coinbase should have put up warning signs in a more obvious spot on their main page. Even though there is an article XXXX and XXXX on their website, you have to try very hard to find it. Also, there should have been a warning message prior to each transaction to make sure customers fully understand the potential risk and the proper procedures to follow. 

Secondly, I believe every customer of Coinbase should have full control of their digital assets. We pay for the service fees and as such we deserve to have full access to our digital assets. If unsupported tokens are accidentally sent to Coinbase wallet, Coinbase support team is obligated to at least try to recover the tokens for the customer instead of doing nothing at all. Imagine if your credit card was stolen and you lost your money, I believe the financial institute who issued the credit card ( e.g. XXXX XXXX, XXXX XXXX XXXX, XXXX, etc ) would try their best to find the money for their customers. So should Coinbase.

The total value of the tokens are {$4500.00} as of XX/XX/XXXX ( per XXXX.XXXX ) and the loss of the tokens is a huge loss to me. I am hereby requesting Coinbase to be fully responsible for losses caused by negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I was scammed and robbed by Cash App. I called customer support using a phone number avilable on XXXX. The number was answered " Cash App '' and the person then began an eloborate scheme to rob me. At some point I was asked to supply another account number for a different bank account other than the cash app associated account. I refused and it seem to me that something was wrong. I went on the computer and my account looked unusual. I called the bank and my wife who unknown to me, was being scammed by another person at the same time. The bank told me to come in and file a dispute. I did and was denied after " an investigation ''. We went in again and we were told that we were complicit in the deceit and that the bank/credit union was not responsible. They further said that it was my fault because I gave the scammers the account number. When I indicated that when I call the bank I am requested to give my account number and I don't expect to be robbed. For me there was no difference. Ultimately, the bank/credit union refuses to return my money or cover my loss including associated fees totaling {$2300.00} XXXX hosts fraudulent and illegitimate phone numbers and ads. The credit union failed to protect me/my funds, my XXXX debit card. Cash App doesn't host a phone number for customer service and it is not obvious in their app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions 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:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of the account which does not belong to me or was opened without my permission. XXXX XXXX XXXX According to FCRA Section 605B ( a ) Experian shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2018-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In XXXX of 2018 I discovered a fraudulent account that did not belong to me on my file being reported through monitoring service for around {$100.00} I made efforts to contact the company in efforts to get to the bottom of this account not belonging to me. I was Directed to the original creditor for this account and was told that although it did not belong to me and it was not my account that it could be deleted off my file if paid. So I paid the amount asked for in which I was given a letter stating I paid the amount needed. I noticed months later that I was still being contacted about this account and this account was still being reported on my file. Although this account did not belong to me and has been reported in good efforts I paid this account in full and it is still being reported. I called and spoke to the Owner XXXX who told me his name was XXXX XXXX in which he sounded drunk over the phone. I was very polite in our conversation although nothing seemed to conclude this situation.

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 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I attended University at XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. this was not a federal loan the school allowed me to attend XXXX room and board. I was unable to get financial aid so I was allowed to stay After that I left school because I did not have the money to pay for the semester I owed so I left. The statute of limitations has expired on this debt. Yet I am being harassed by XXXX and the Louisiana department of justice collections unit over this time-barred debt. I called FAFSA and they told me this is not a federal loan but a private loan from XXXX and it is still listed in my loans from federaloans.gov since the school reported a balance owed. XXXX is my loan service provider so I called them and they said my loans were all deferred even the XXXX timed barred loan. So I need help because of the Louisiana dept. of justice, collections unit are trying to get me to agree to pay now under duress. Federal law prohibits the collection of a debt timed barred and if not timed barred this law prevents repayment requests while in school. I am asking either 1. XXXX account be removed from my credit report 2. get them to comply with federal law regarding deferment and to stop harassing 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 2023-09-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I called XXXX XXXX to add some the XXXX package to my account XXXX was going to switch me XXXX XXXX I told her no I was interested in switching Ive been with XXXX for XXXX yrs almost but about week are so I got some stuff from XXXX I called back to speck with XXXX but she was busy some guy said he take care of it well guess what youre all still charging me as if I XXXX XXXX I dont I have XXXX XXXXXXXX XXXX a month XXXX to XXXX XXXX that I dont have I didnt sign up for XXXX I called 3 times about this I want it canceled and I want my money back asap XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 put in a request to update my credit report status to paid as agreed with no late payments reported back on XX/XX/ and I have not received a conclusion to my dispute. No correspondence by email nor mail and it is a clear violation to FCRA with investigating my dispute in a timely 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 2021-06-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Public record information inaccurate

Complaint:
This company called XXXX XXXX say I have a open account with Capital One. There is another company who is handling this case I filed Bankruptcy in XXXX the account XXXX XXXX has was discharged chapter XXXX I do owe Capital One money but not from XXXX XXXX that credit card was paid off or discharged

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I was in a car accident and I had my car loan through Ally Financial. The vehicle is a total loss being paid by the insurance and I called Ally on XX/XX/2020 to get the payment date of XX/XX/2020 moved to the end of the month so the insurance could take care of everything. I even recorded to call. I was told that the payment would be moved but that I also had a 15 day grace period in addition to that. Then I get a notice that I am past due. I look today and I am 16 days past due and there are lat efees on the account. I call and the first person just mumbled into the phone and hung up. I got on chat and called back simultaneously. I was told on chat that she found a record of me calling to move the payment but told me it never got processed so I was pretty much out of luck. THe collection person XXXX XXXX or something that I talked to on the phone barely spoke English and I asked her to spell her last name like 5 times and still couldn't understand her. She basically told me the same thing. That it never got processed so I had to make the payment. I asked for a supervisor and she claimed one was not available. I asked multiple times and she refused to offer me a manager. Said she was working remotely and no supervisor is available. I had to make a {$350.00} payment today, knowing that the insurance is paying off the loan and that my payment was supposed to be postponed until the end of the month, which would have given me an additional 15 day grace period into the XXXX of XXXX to have the insurance thing done since the car was a total loss. I was in a severe car accident and this stupid company told me that the payment would be moved and now I am having to make an extra payment that I shouldn't because someone did not do their job on the 3rd. I already had to buy a new car and I was told that this was taken care of.

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 2021-01-25
Company: EQUIFAX, INC.
State: WV
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:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
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:
My name is XXXX XXXX. Transunion is refusing to delete a tax lien record from my credit report that is not mine. It is being reported as paid and released but I have never had a tax lien placed against me for any reason. It has a " Date Filed '' of XX/XX/2015 and account number # XXXX. It does n't make any sense for this to be on my Transunion report. The other two bureaus, XXXX and XXXX, are not reporting this on my credit at all. This account randomly showed up on my XXXX report a couple of months ago and the moment I sent disputes to have it deleted, XXXX deleted it very promptly. I am attaching a copy of XXXXXXXX XXXX deletion letter. As the credit bureau 's records will show, I have been disputing this for a very LONG time. To this date, I have only received generic responses claiming the account information is accurate to be on my report. This is frustrating and confirms to me that the credit bureau has not been processing my past disputes properly. I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake.

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 2023-03-16
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
What they have reported : i was late on a payment & the loan was not paid in full. 

i was never late on a payment, I paid the full loan balance off.

Company response to consumer: Closed with explanation