BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-16
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Special Agent ... .XXXX  XXXX ..., from XXXX has been calling distant family members not involved with my account what so ever and leaving messages with them to have me contact them at XXXX. None of the other persons contacted have anything to do with this credit account nor are they listed on the card or my account anywhere. There were 5 other phone numbers listed on my file, where communications were made and not only voicemails were left, though also spoke to other members with regards to me, per Special Agent XXXX XXXX ..., in a phone conversation today, XX/XX/2019 at XXXX pacific time. I asked him to remove all other phone numbers on " my file '' with the exception of mine. I explained to him that what he was doing was against the FDC act 805. XXXX stated he does not know how the other phone numbers got in my file, though he was just following through to have someone get the message to me. This is unacceptable. I have 3 different recordings of his voice on various numbers, as his voice is very distinctive, leaving messages with people that were not ME. XXXX stated he would place a notation on my account not to call any number other than the one I provided to him today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: EQUIFAX, 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, XXXX XXXX XXXX  # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
XX/XX/XXXX I bought Shiba inu coin when it was listed. The price I was charged for the coin was much higher on their exchange. Today XX/XX/21 they changed the price causing me to lose money. They incorrectly charged me an inflated price and now theyre pocketing the difference many people and I paid. I purchased around {$800.00} worth of the coin and after they changed the value my value dropped to about {$85.00}. Completely scammed and that money is being pocketed by them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-25
Company: I.C. System, Inc.
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: Account information incorrect

Complaint:
This company is a collection company working for  XXXX   XXXX . There have been several other companies hired by  XXXX   XXXX  and I have had to go through this.  XXXX   XXXX  hired an independent  contractor  to install a  XXXX   XXXX  system in my residence   in 2012. The representative vandalized my h
ouse. He placed the dish on the roof of which he damaged and was instructed not to. He did a horrible job of stapling cable across my house, of which he was instructed not to do. He made 3 holes through the exterior of my house instead of using the exist  ing one. He threw my storm door open in the wind, of which ripped it off.
I have been through this numerous times with different collection companies. I do not ow  e them anything because this was never made right with me. I do not owe this company to vandalize my residence.

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 2019-04-16
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Spoke to Collection and told them the debt is not valid as it has termination fee involve, XXXX also promised to waive termination fee due to a previous resolution from FCRA about some billing issue if i wanted to switch energy company. I was send a bill that XXXX charged me XXXX after i paid a XXXX fee after my XX/XX/XXXX previous disconnection notice, and i am being sent a {$97.00} bill by Convergent

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion has consistently provided false information to the CFPB, on XX/XX/2022 I submitted a CFPB complaint about TransUnion s failure to do a proper investigation into my dispute. TransUnion closed out the complaint today on XX/XX/2022 stating that their investigation was completed. However this a FALSE STATEMENT, I have enclosed evidence that TransUnion has not even started the complaint until XX/XX/2022 and the complaint is still in progress as per their own website. I have enclosed proof of TransUnion, s violation of the FCRA ONCE AGAIN. Disputed Account Name : XXXX BANKRUPTCY/ Account Number : 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 2019-04-16
Company: Experian Information Solutions Inc.
State: AZ
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:
The following credit inquiries listed on my Experian credit report is fraudulent and unauthorized credit inquiries : XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/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 2022-08-15
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
There are names that are on my credit report jobs that I have not worked at also phone numbers that do not belong to me I had fraud done to me so I would like to have the names and addresses and phones removed from my account. I have sent the proper paper work in before and not action have been taking My name is XXXX XXXX XXXX and my address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX I'm employed at XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ga XXXX so can I please have the extra names and address removed from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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: Personal information incorrect

Complaint:
There are names that are on my credit report jobs that I have not worked at also phone numbers that do not belong to me I had fraud done to me so I would like to have the names and addresses and phones removed from my account. I have sent the proper paper work in before and not action have been taking My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ga XXXX I'm employed at XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ga XXXX so can I please have the extra names and address removed from 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 non-monetary relief
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Creditor Information 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 2017-04-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened  a HSBC  checking account with promotion {$350.00} opening bonus after complete following task, " Received at l east one qualifying direct deposit per month into your HSBC checking account for three consecutive months within 120 calendar days of account opening. A minimum cumulative amount of {$3000.00} is required. '' ( Exact copy from terms  ) In fact, I completed required direct deposit activities, but do NOT get my {$350.00} opening bonus, even after talk with banker as they still insist I do n't completed required activities.      Timeline  :  XXXX / XXXX / XXXX  Opening account  XXXX / XXXX / XXXX  {$500.00} Direct Deposit  XXXX / XXXX / XXXX  {$500.00} Direct Deposit  XXXX / XXXX / XXXX  {$500.00} Direct Deposit  XXXX / XXXX / XXXX  {$500.00} Direct Deposit  XXXX / XXXX / XXXX  {$500.00} Direct Deposit  XXXX / XXXX / XXXX  {$500.00} Direct Deposit

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This company is reporting information that for one doesn't belong to me and inaccurate addresses as well. Who is this company? Are you able to give me information on them? They are reporting an eviction thats inaccurate and I never gave them permission to report anything on my behalf! I have never heard of this company and I am a victim of identity theft! Please advise me why and who this company is reporting false information.

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2018-12-18
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX   Last reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I contacted these companies to request proof & they have provided no information. They are required to delete these damaging accounts until validated. I have requested validation and they have not produced it. Additionally, I am sending dispute letters to Transunion requesting that they delete these erroenous accounts being reported on my File but have been doing nothing! Delete these now or I will take legal actions. 

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 2020-07-31
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In XX/XX/XXXX, one week after I opened the account, the account was closed. I created a complaint with CFPB on XXXX, complaint number XXXX. This complaint resulted in Chase reopening my credit card with the same credit limit as originally issued. I felt satisfied with this response. 

However, ever since then, I believe that Chase is specifically targeting my account because IMMEDIATELY AFTER I make large payments to my account, they significantly lower my credit limit. I have not had any late payments to this account since it was opened, and I have no late payments on my credit report from any other accounts since XXXX, long before they approved to open my credit account in XXXX. Additionally, I have my deposit checking account with Chase, and they are able to verify my income to see that my income can support the credit limit for this and other accounts on my credit report. 

The action of lowering my credit report after large payments have been made are negatively affecting my credit score. I am making the large payments to the card to help decrease my utilization and increase my credit score. By constantly reducing my credit limit, I am unable to meet this goal. 

XX/XX/XXXX - Approved and opened account with {$8500.00} credit limit. 
XX/XX/XXXX - Closed account with no explanation. 
XXXX? XXXX - Re-opened account after CFPB complaint. 
XX/XX/XXXX - {$8700.00} payment. 
XX/XX/XXXX - Decrease credit limit from {$8500.00} to {$4800.00}. 
XX/XX/XXXX - Decrease credit limit from {$4800.00} to {$4300.00}. 
XX/XX/XXXX - {$2000.00} payment. 
XX/XX/XXXX - Decrease credit limit from {$4300.00} to {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
XXXX XXXX IS REPORTING THAT I HAVE CAR LOAN WITH THM. NEER SIGNED FOR A CAR LOAN WITH THEM. {$26000.00} THIS NEEDS TO BE REMOVED IMMEDIATELY. 

XXXX XXXXXXXX HAS ALSO PLACED ME IN COLLECTIONS NEVER HAD INSURANCE WITH THEM. {$240.00} XXXX IS REPORTING {$320.00} AS A COLLECTION ACCOUNT AND HAVE NEVER HAD XXXX. MY ADDRESS IS LISTED ON MY ACCOUNT AND DL IS THE CURRENT ADDRESS,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: NE
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:
The leased vehicle was traded in and XXXX has confirmed that it is paid off however they refuse to update all 3 of my bureaus to reflect a XXXX  balance and a XXXX  payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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:
I am working in accordance to my consumer protection and am seeking that certain fraudulent information be removed from my credit report on all 3 agencies XXXX, XXXX, Equifax. 
The following accounts are deemed as fraudulent and companies need to be investigated vigorously because I am not the only victim. The companies are listed below in full or by their name / organization shown on Credit Report. 


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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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:
I am working in accordance to my consumer protection and am seeking that certain fraudulent information be removed from my credit report on all 3 agencies XXXX, Transunion, XXXX. 
The following accounts are deemed as fraudulent and companies need to be investigated vigorously because I am not the only victim. The companies are listed below in full or by their name / organization shown on Credit Report. 


XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXL XXXX XXXX XXXX XXXX A XXXX XXXXXXXX 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