BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-05
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
Discover card has reported me to XXXX, XXXX and XXXX as having been 30 days late, I never received a statement from Discover and sometimes do n't get all of my mail and that is why I requested electronic correspondence ( not statements ) and alerts to let me know that I have a new statement, payment, payments when the card is not present etc. I have this with all of my other credit cards and I have an absolutely perfect credit history but unfortunately Discover did n't alert me of a payment due and I did not receive a statement so I was alerted by experian ( I use all XXXX agencies to monitor my credit ) that an event occurred on my credit bureau when I say that Discover reported me for being 30 days late I paid the account in full which was only {$170.00} and spoke to a representative and discussed the situation, they understood but claimed that they could n't help with the lateness, I then called back and spoke to a manager and he told me that my account was NOT set up for electronic communications and then set the account to do so he also told me that he could n't do anything about the past. I continued to discuss the situation but they were unmoved by the situation I have a perfect credit history that I always worked very hard to maintain that has been ruined by this blemish which in some cases dropped my Fico score by XXXX points, I really need somebody to step in and make sense of this situation to the agencies that report credit history and have them understand that the reason this happened is because they failed to accommodate my request to send corespondence via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: Coinbase, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On  XXXX / XXXX / 17  I lost access to my account with Coinbase. I became unable to login to the account as  Coinbase  has stopped sending me verification emails. No problems exist with my email account itself. I filed a support ticket and attempted social media contact on  XXXX / XXXX / 17  ( and since ) and have received no response from any human support representative. I am unable to turn off or on existing recurring transactions, view my balances, or move any of my existing assets out of the account. I would like to resolve these issues and continue doing business with Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Experian Information Solutions Inc.
State: FL
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:
Experian allowed a dispute to be initiated without my knowledge or my consent - Report XXXX : XXXX. I called the Experian fraud department to get clarification as to why was this account was being disputed ( which I did not initiate the dispute ). I contacted Experian on XX/XX/2021 XXXX XXXX Central Standard Time through XXXX XXXX  Central Standard Time. The individual in the fraud department stated that they have no information as to who initiated the dispute. This is clearly unacceptable and a clear violation. All disputes must be initiated by the consumer and no one else if not authorized - Via online, certified mail, or by phone. After speaking with another representative they stated that this account was a CFPB complaint which is inaccurate. The CFPB complaint ID XXXX - XXXX Is the complaint that should be currently addressed. Not this erroneous and fraudulent dispute Report XXXX : XXXX. I requested Experian to address and demand CFPB complaint ID 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
Consumer complaint received 2018-05-16
Company: CAVALRY INVESTMENTS, LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
contacted : XXXX and XXXX on XXXX still have on credit report for XX/XX/XXXX - i am tired of each month going through phone calls and mailings to having this same XXXX having as many as four each month of hard inquires, I have checked and they insist I have gone to different states and applied in person ( even XXXX  ) I am XXXX years old and home bound. How can I stop this. 

XXXX  : again each month phone calls are made and disputes made for XXXX XXXX  XXXX, XXXX ~ three or four times a month, now still in report, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX ~ once  again they take it off, but I have to do this every few months. XXXX XXXX said there is nothing they can do. Really, yes they get a red flag, but still can and do put it on report. 

Cavalry phone XXXX has billed me for XXXX, and another for XXXX XX/XX/XXXX I asked for back up. I did receive paperwork, with no signature, address listed as XXXX XXXX, XXXX, md the US postal service does not have any idea where this is. I live in XXXX. I have reached a point that they are harassing me with no reason. 

Note : I have never had a XXXX, XXXX or XXXX XXXX account in my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
correct XXXX please correct the fraud alert on all bureaus potentially negative icon Potentially Negative StatusPaid in settlement. {$430.00} written off. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$2000.00} written off. 
Account TypeCredit card Balance- Date XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCredit card Balance {$1500.00}

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 2022-09-18
Company: Experian Information Solutions Inc.
State: IL
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 # XXXX, XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 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 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 2022-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
COAF hard pulled my credit 12 times since XX/XX/21 causing my score to go down dramatically. Four times in one day this seems excessive. I was looking for a car to buy and did not authorize them to keep pulling my credit everytime I just looked at a car on the website. I only authorized them to pull my credit once on XX/XX/21. They pulled it on theses following dates XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX the only time I authorized for this company to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: WELLS FARGO & COMPANY
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:
In XXXX of 2012 my personal life took a bit of bad turn. I suffered an injury to my XXXX XXXX that prevented me from working for a year. The injury required two XXXX  and countless hours of XXXX XXXX to repair. When I first was out of work I had to endure 4 weeks with no income before any XXXX payments were received. As a single father of XXXX young children at the time I found myself in the worst financial situation of my life. 
As time went on my physical condition improved and I was able to return to work full time. I did my best to bring the account current and was again able to make all payments on time and eventually paid the loan off 3 months early. The last late payment was over 4 years ago. The account was closed more than 2 years ago paid in full.

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 2017-05-29
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 belongs to someone else

Complaint:
I was a victim of identify theft in  2010 , and shortly after I went through an exacting amount of time attempting to correct and fix this mess.  XXXX , more so then the others, was absolutely unhelpful and dragged their feet. After reaching out to private co unsel, 3 sep arate police departments, and the FTC I finally had them rectify the issues. Now fast forward, a illegally opened and FRAUDULENT account has reinserted itself ONLY on my  XXXX  report.  XXXX  is being reported  XXXX  times and with a balance of  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
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: Account information incorrect

Complaint:
Transunion deducted 8 points from my score just because an account closed I had paid off in full. Never missed any payments or late payments. Transunion deducted 8 points from my score because the account closed. It has to close if it's a XXXX balance. I work to hard to get my score high and I don't need no robot taking points off my score when it should be adding. I want my 8 points put back on my transunion account as well as additional points for never missing a payment. This glitch in their system is ruining people lives. I want my 8 points back!!! Thank you. The name of my lender is XXXX XXXX. That's the name of the closed 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 2022-07-15
Company: Nelnet, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and removed : DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX XXXX DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET  XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX XXXX DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX XXXX DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: EQUIFAX, INC.
State: TN
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:
Yes I have had a data breach with equifax they have my stuff on my dark web and sold my information also on XXXX I noticed a lot of address wrong social different names used that I got to report bc I think someone in Texas have bought a house in my name I need every consumer that is in with these peony and at the time I was paying to get my credit up so everything has got screwed up but I dont see how different names and address and different social popping up on all my stuff and so now I am in a world of XXXX and been wondering why they cant verify me bc my stuff got stolen by hackers!!!! I need to notify everyone and plus things I dont know about!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Experian Information Solutions Inc.
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:
I have contacted both Experian and XXXX regarding this issue. 
Experian conducted an investigation and despite verifying that they received false information from XXXX on accounts that have been closed for over 8 years, they refuse to remove them from my credit report. 
Furthermore, XXXX continues to revive the timeline on these accounts which has completely ruined my credit for nearly a decade now. 
Both Experian and XXXX are colluding in this fraud, and I am not the only one given the numerous complaints and law suits against both. 
The CFPBs lack of action in this matter is also unnerving, as this is my third complaint. Everyone just keep saying " talk to Experian '', or " talk to XXXX '', which I have done - repeatedly - with no resolve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
These accounts were opened around the same time, back in the early XXXX 's, and it's well over the 7+yrs. statue to be on my credit report. I disputed the charges because my wallet was stolen and I called them with the police report number and everything. They were supposed to be checking the atm tapes and following back up with me. They never contacted me back, so I never followed up, thinking everything was squared away.

I found out years later after the fact that they are ruining my credit reports with this.. They KEPT repeatedly putting it back on my credit report after it fell off, making it look like this is a recent account, and it is NOT at All. And because of the old practices of debt collectors back in the XXXX 's, they would ruin your credit by repeatedly putting the SAME DEBT back on your credit report ( sell it to another debt collector for them to start harassing you now. ) after it was supposed to fall off and be done.

I'm tired of them ruining my credit and running my credit score down, because now I can't get certain loans or credit because of them. I know it's illegal what they keep doing to me, but for some reason they keep letting them get away with this, and I say No More.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to formally dispute the late payment charges applied to the following accounts : * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX I believe the late payment charges on these accounts are in error based on my understanding of the consumer rights and protections outlined in the U.S. Code : * Definition of Credit Card ( 15 U.S. Code 1602L ) : A credit card is any card or credit device used to obtain services on credit. I have always adhered to this definition.

* Requirements for Over-the-Limit Transactions ( 15 U.S. Code 1637B ) : I did not opt into any over-the-limit plan, and any related fees should not be applied without my explicit consent.

* Accuracy and Fairness ( 15 U.S. Code 1681 ) : I request a review of the accuracy of the late payment charges and their fair application.

* Timing of Payments ( 15 U.S. Code 1666B ) : The periodic statements did not provide the mandated 21 days before the payment due date, making the late charges unjustified.

I kindly request a detailed review of the charges on the aforementioned accounts. If found to be in error, I ask for their removal and correction of any negative reporting to credit bureaus.

Please respond within 30 days, confirming the resolution of this dispute. If the response is unsatisfactory, I will consider further legal action.

Thank you for your attention to this matter. 
Sincerely, 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
Consumer complaint received 2022-08-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/2022 I received reference number XXXX by email stating that they couldn't confirm my info and need more to include photo of my drivers license, social security card, government ID or more, something I know they didn't need as they already had relevant data and impeccable credit. 

I called and talked to 'XXXX XXXX at Chase Ph XXXX to confirm that's what they wanted. Once confirmed, I reminded her of my credit history and that personal information like social security number and sending them a picture of my drivers license was inappropriate and possibly illegal and that she had all the info of me that she needed. 

Insisting that I send more my told her to delete my info from their data banks that I do not want or need their card and that I did not want to be on a mailing list, have my info exposed, sold, or traded and that I would complain to the FCC ( CFPB ) to insure this. I am doing this so others don't get their info exposed by this CHASE Credit Card, and again, I don't need or want their business and surely don't want mine or anybody 's info used by them for nefarious purposes. 

They used a gimmick, ( XXXX {$50.00} free on XXXX ) to get me to file for a card and I admittingly fell for it like a fool. Lucky for me I wised up and ended it and no, I don't want anything from them but only to shine light on them to protect other people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: AR
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 Mc/Tbom 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 states a consumer reporting agency can not furnish a account without a written instructions. 



In Accordance with the Fair Credit Reporting Act 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 states a consumer reporting agency can not furnish a account without a written instructions. 


In Accordance with the Fair Credit Reporting Act 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 states a consumer reporting agency can not furnish a account without a written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Ocwen Financial Corporation
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen loan Servicing LLC has started to charge a service fee to pay the mortgage payment online. They can not just decide all of the sudden that they require us to go paperless to pay online. There is nothing in my note that says they can change the terms of how I make my payment and charge a service fee. They told me I had no option but to pay the fee in the future. This is one more fee that they have decided to get in bed with XXXX XXXX and make money and it's not necessary. They either need to offer the service to all clients regardless of statement option or not at all, but to change it in the middle of the loan is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, 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 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 and XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 2022-07-15
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 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 have 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