BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-04
Company: HW Holding, Inc
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
After viewing a copy of my report, I noticed a collection account placed on my credit report from HUNTER WARFIELD XX/XX/2021 in the amount of {$3100.00}. First and foremost, I have confirmed that the debt collector, HUNTER WARFIELD is not licensed in the state of Louisiana to collect on this debt. Secondly, HUNTER WARFIELD, violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to HUNTER WARFIELD? I have never heard of them, have no written contract with them and have never received any benefits from them, yet HUNTER WARFIELD has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, and XXXX  ) against my name and social security number and is demanding payment from me in the amount of {$3100.00}.

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 explanation
Consumer complaint received 2018-02-16
Company: Coinbase, Inc.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, four fraudulent {$25.00} charges were made to my bank account towards coinbase via debit card for a total of {$100.00}. I have reached out to coinbase and have yet to receive a response. I have also contacted my bank by email and am waiting to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
These are the remarks that is invalid. I would like this to be deleted. 

XXXX OK OK OK OK OK OK OK OK 30 OK OK 120 90 60 30 OK OK OK OK OK OK OK OK XXXX  OK OK OK OK OK OK OK OK OK 30 OK OK 120 90 60 30 OK OK OK OK OK OK OK OK XXXX  OK OK OK OK OK OK OK OK 30 OK 120 90 60 30 OK OK OK OK OK OK OK

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
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: Information belongs to someone else

Complaint:
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 items 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 Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: Experian Information Solutions 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 information incorrect

Complaint:
Experian continues to report on a account that should of been deleted from my credit report months ago. The account is XXXX XXXX XXXX which was settled and I was issued a XXXX. The account should be deleted as Experian is the only credit bureau that is only reporting this 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 2021-02-24
Company: AMERICAN EXPRESS COMPANY
State: KS
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 the previous letter ( XXXX ) I was not provided with any of the documents that I requested. There is an unknown charge-off on my credit reports. Im requested the verification of the charge-off and the method of verification. AMERICAN EXPRESS ( Opened XXXX. XXXX, 2016 ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRUIST FINANCIAL CORPORATION
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:
On XX/XX/2022 I filed a CFPB complaint with Truist Bank, XXXX, XXXX and XXXX about false and inaccurate information. Truist Bank is reporting false and misleading information because there is no loan given as the transaction was a retail installment sales contract but it is being reported as a loan. All of the companies listed above have been given over 30 days, 50 days to be EXACT, to make the correction and since they have not I am demanding that the tradeline Truist Bank be removed from all of the consumer reporting agencies that they are reporting to. 

I have attached the article that the CFPB has published on what a retail installment sales contract and I quote " A retail installment sale, on the other hand, is a transaction between you and the dealer to purchase a vehicle where you agree to pay the dealer over time, paying both the value of the vehicle plus interest '' this statement is located on the CFPB articles that is attached. 

I have also upload the retail installment sale contract, which it clearly says at the header of the attachment, in which Truist Bank is claiming that it is a loan, which is proof that the information is false and 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 2022-08-06
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:
Congress made it clear in USC 1681a ( 3 ) and ( 4 ) that I have to consent to having a consumer report furnished by XXXX, Experian, and XXXX on my behalf or to create such reports which I have not done so by any means. I'm making higher payments as well as being charged higher interest rates because of this fact which means they are not exercising their grave responsibilities to me as a consumer. They are unfair and partial and they are not respecting my right to privacy. They never had permissable purpose to furnish a consumer report on my behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 known transunion to stand for a reporting company that prides themselves in making sure all information are accurate and lawful. I have reached out to them pertaining to several derogatory unauthorized, Unknown inquiries fraudulent. They refuse to delete them. I asked for validation as well as proof f investigation methods used. Per Fcra they never did. The in quiries are on the same day same time. Indicating fraud. I contacted the companies they have no data or knwledge. 
XXXX XX/XX/XXXX COA XX/XX/XXXX THey have no ppermissible purpse to have my social security # and run it. The privacy act FDCPA. 
I also asked them prove a new deragatory account i have no idea who XXXX and XXXX IS they have no idea who iam either. I contacted them and they do not have me in their system by name or birthday address social nothing. However transunion allowed them to put a medical bill for over $ XXXX on my credit report. They obviously gave me no due process as allowed by law. I never had a chance to defend myself in 30 days. Please transunion send me proof.this is alloted by the FCRA AND all the laws that govern you. I need all methods used in your investigation i need a contract with my wet ink signature. Transunion does not have address of furnisher or the phone number which is required that way the Man/woman can have a way of contacting the so called collector. It's incomplete, i had to investigate. The customer rep said they would delete but they do not have me ib their system. Call transunion to get it deleted. They even appologised. None of my other credit reports have XXXX AND XXXX, XXXX, OR XXXX. I have fraud alert police report on file. Therefore they followed the law. Transunion seems to be having issues following suite XXXX All credit reports should be uniformed because they get their information from the same place. XXXX, XXXX already fixed these issues. Why are you not? This is hurting my life. Its stopping me from buying my dream home for my family in this pandemic. Transunion just placed back a fraud alert on my report when it should have been on there since i submitted the police report in XXXX. Transunion is not keeping up with customer request and truth because they outsource the work overseas and the people dont know the law, and eoscar is not savy like sensible human beings to understand FRAUD and Violations. Transunion is in violations of my FCRA CCPA FDCPA. PLEASE FIX THIS AND SEND ME NEW CREDIT REPORT TO REFLECT CHANGES. 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 explanation
Consumer complaint received 2020-11-25
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX,2020 i submitted a complaint to CFPB for Midland Credit Management , Inc and was assigned assigned complaint number XXXX. I asked for validation of debt which was received by them on XXXX XXXX2020. I submitted a letter with specific instructions and still haven't received it. I will attach the letter for your records. The only response i received was billing statements and letter. I'm not satsified with their response. Nowhere in the response from them have i received copies of agreements bearing my signature that i agree to pay what they say i owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
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:
The following items are reporting on my credit file incorrectly and there are some items that do not belong to me : The following that is incorrect are : 1. XXXX - This account is showing inaccurate late for XX/XX/XXXX - XX/XX/XXXX ; please provide me with proof of these inaccurate reportings are correct. 

2. XXXX  XXXX - This account is showing inaccurate late for XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX ; please provide me with proof that these inaccurate reporting are correct. 

3. XXXX - This account is showing inaccurate late for XXXX & XX/XX/XXXX ; please provide me with proof that these inaccurate reporting are correct. 

4. Incorrect Address Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts does not belong to me. This is not my accounts : 1. XXXX - This is not my account ; I never opened this account. 

2. XXXX XXXX - This is not my account ; I never opened this account ; Bal : {$0.00} 3. XXXX XXXX - This is not my account ; I never opened this account ; Bal : {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Sent in disputes via certified mail. The receiver signed for the mail on XX/XX/2020. Since then I have received no acknowledgement pertaining to these disputes. Under FCRA credit bureaus have 30 days to investigate and come up with results for disputes. I allotted the companies extra time due to COVID-19 but we are at almost 2 months at this point and it is starting to become unacceptable as it is violating the FCRA laws when disputing inaccuracies or fraudulent marks on ones credit 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 2023-04-04
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo Bank has proven to be incompetent and untrustworthy yet again. On XX/XX/2023, my employer transmitted {$400.00} to Wells Fargo Bank. It was transferred via direct deposit. When I logged into my account on XX/XX/2023, I noticed the deposit had not yet been updated in the bank 's system. It has been XXXX business days and the bank claims to be in non-receipt of funds transferred to them. When I called and spoke to bank representatives, they were not receptive and lacked listening skills. Instead, they appeared to be reading scripts like robots. Please investigate this bank and help me locate the funds they claim to have never gotten!

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: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed this debt was on my credit and I had been asking them validate the debt and they failed on multiple occasions. I even tried to pay it at a lower rate to have it removed as it is affecting me and my children from being able to rent a home. The last was very rude and would not budge although I explained I did not owe that to company and I never received services. I do not owe for services never received. Furthermore this company is not accredited to collect in California. This debt is listed twice on my credit report, affecting it negatively

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 2021-11-02
Company: EQUIFAX, 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: Account information incorrect

Complaint:
report in accurate information says i had late payments XXXX and XXXX of XXXX & a repo in XXXX of XXXX. This is incorrect and wrong If you can see on my bank statements i have paid for XXXX in the XXXX statement I paid $ XXXX on XX/XX/XXXX and I paid $ XXXX, for XXXX on the XXXX of XXXX and XXXX i paid for that on the XXXX of XX/XX/XXXX I paid $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: EQUIFAX, INC.
State: WA
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 been disputing the same items off my credit report for the past year almost every single month and Equifax refuses to verify and validate the information on my credit report. I have submitted disputes XX/XX/XXXX, XX/XX/XXXX, 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 disputing the same inaccurate items off my credit report. I have demanded a reinvestigation into all these items and Equifax refuses to do such coming back and saying that the items are " verified ''. Well how are they verified? when XXXX XXXX, XXXX XXXX, XXXX, and other third party agencies are frozen so how did Equifax verify this info when they have refused to supply me with the evidence proving this as they are supposed to do per the law? A blanketed statement that can be typed up by anyone is not proof of verification or validation. As they are supposed to supply me with the original form of indebture bearing my written signature which they have not done so. Credit reporting agencies are also supposed to verify info with the original creditor and not inaccurate 3rd party agencies which Equifax refuses to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: TRANSWORLD SYSTEMS INC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I moved out of my home on XX/XX/XXXX. I had given my apartment lease a 60 day notice in wroting on XX/XX/XXXX and paid a {$2500.00} cancelation fee since I had to break my lease early. I had continued to pay my rent and utilities as well as my pet deposit for XXXX, XXXX, and XXXX. I was told there would be a walk through inspection with me 30 days prior to me vacating in an attempt to correct any issues so I wouldn't be charged. That walk through never occurred. I received an email on XX/XX/XXXX saying that I owed an a surf amount of over {$2300.00} dollars. I immediately called and emailed to have someone explain the letter but to no avail, it was never done. On the letter it stated I had 21 days to pay the amount and I could do so through the portal I paid my rent through. That portal was not available to me anymore. I emailed and called multiple times from XXXX until I reached out to an attorney on XXXX. They sent my account to collections on XXXX XXXX I received a phone call and letter from collection agency on XX/XX/XXXX. Which I disputed. I did not hear or receive any more notifications or calls from either the apartment or the collection agency. I then received a call on XX/XX/XXXX from the collection agency once again stating they were trying to collect a debt. I told them I had already disputed this in XXXX and that I did not owe that debt. They thought someone had sent out some new letter stating that dispute was resolved. I never received any notifications. The apartment complex did not have a corporate phone number but they did have an email that I also wrote too but never received a response from.either. 
All I was sent was a piece of paper that had charges on it that were not correct and it didn't itemize what was being charged and why in detail. The collection agency failed to respond within 45 days of my dispute as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
To whom it may concern, Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 U.S. Code 1681 is the same as it is under 15 U.S. Code 1602 ( l ) which is the term credit card means any card, plate, coupon book or other device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said Any card. The credit card is my Social Security card.This is the credit card I used to originate every consumer credit transaction.It should be removed from My consumer report with all Consumer Reporting Agencies : ( XXXX, TransUnion, and XXXX ) pursuant to 15 U.S. Code 1681a ( 2 ) ( B ). As a federal protected Consumer I am demanding that you remove this Transaction from my Consumer report immediately with all the Consumer Reporting Agencies, as it is a violation of my rights as a federal Protected consumer under the title 15 chapter 41. 

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 explanation