BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
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: Their investigation did not fix an error on your report

Complaint:
I, XXXX XXXX XXXX, personally authorize & sent this complaint for a second time. In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy, confidentiality, and accuracy under 15 USC 1681 : XXXX XXXX  XXXX Credit Card with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX XXXX  account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

XXXX XXXX account with account beginning with # XXXX opened on XX/XX/XXXX has violated my rights to privacy, confidentiality, and accuracy. 

15 U.S.C 1681 section 602 A. states I have the right to privacy, confidentiality, and accuracy.

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

15 U.S.C 1666B states A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

15 U.S.C. 1681a-2 ( A ) ( i ) states any report containing information solely as to transactions or experiences between the consumer and the person making the report are to be excluded from all consumer reports.

15 U.S.C 1681c. ( a ) ( 4-5 ) Section states no consumer reporting agency may make any consumer report containing any information regarding accounts placed for collection or charged off to profit and loss, and, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was informed that a fraud alert was placed on my credit file from this credit reporting agency. I did not request a fraud alert be placed on my file nor was I notified of this action

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 2017-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
Same old same old- just recording for legal purpos es. Info  rmation never correct even after dispute. I check with lenders and they CLAIM they have rectified it.   XXXX   did not allow me a dispute again. Lenders claim they " were '' not notified by  XXXX . My core has not gone D O W N even with numerous co rrections.

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 2022-08-16
Company: Experian Information Solutions Inc.
State: NY
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  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  XXXX Account number : XXXX XXXX XXXX number XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX  XXXXXXXX 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 XXXX : 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 2021-07-12
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is a continuation of original complaint..COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX. 

On XX/XX/XXXX I wrote a check for my balance and got it to the post office. As of today I have not seen the check post, I have reached out to Comenity several times, I called them and got a representative who said he would put a " ticket '' in for it. I have followed up ... nothing. They are not responding. So as of XX/XX/XXXX, this will be a late charge which is what I am trying to avoid. If they have the check I need to know NOW. If they don't, I need to know NOW. 

" On XX/XX/XXXX after receiving my XXXX statement on-line, I copied it and sent it along with my check for {$2700.00} to the payment center ( XXXX. XXXX XXXX, XXXX, TX XXXX ), The envelope was addressed by hand as I did not have your payment coupon which did not come in for several days later. I wanted to get this paid in full immediately. To date, I have not seen that check post. I called a day or two ago and there should be a " ticket '' submitted by your account representative inquiring as to where the check is ... do you have it ... if not, I have to cancel the check and make other arrangements. I need an answer to this as soon as possible ... not going to be dinged for a late fee, etc. Thank you. I can be reached at XXXX or by phone at XXXX. You have not responded to this question. I need an answer, please! '' This is the third time I have reached out to them ... NOTHING back from them. This is totally inexcusable!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have previously written letters to notify you ( XXXX XXXX ) ( XXXX ) ( XXXX ) ( Trans Union ) of the innaccurate and unvalidated information. 
I recently received a copy of my ( XXXX, XXXX, Trans Union ) consumer reports, and I noticed accounts reporting that are a violation of my rights. 

AS A FEDERALLY PROTECTED CONSUMER ; AS MY CONSUMER REMEDY FOR THESE WILLFUL AND NON-COMPLIANT VIOLATIONS. I DEMAND THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY. 

XXXX XXXX Credit Card Acct # XXXX Consumer Reports Reporting as Closed Account Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any 15 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 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which states, The term Credit Card means any card, plate, coupon book or other credit 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 used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.

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 2021-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I got theseaccounts that does not nelog to me and i want them to be remove from my credit report. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: WELLS FARGO & COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Is it not a law that a credit card must show you how long it will take to pay off a credit card if you make only the minimum payment AND how long it would take you to pay it off in three years?  <P/> The info about paying it off in  three  years and the amount I would need to pay is now absent from my credit card. It was there last month.  <P/> This is  XXXX  Well 's Fargo Bank N.A .   <P/>  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Ar.  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
Consumer complaint received 2017-06-02
Company: EQUIFAX, 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:
I have disputed several accounts with the  XXXX  credit reporting bureaus  XXXX , Equifax and  XXXX  the credit accounts opened well over 7 years ago and most have a  XXXX  balance. Also it 's been two years and some hard inquiries are still showing on my credit report. I do n't know why the credit bureaus will not remove all of these accounts. There 's a lot of unlawful credit reporting activities and this most definitely  XXXX  of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: WI
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:
Experian has failed to complete the investigation with fdcpa regulations, there are currently disputed accounts still actively showing on my credit report, furthermore, the disputed accounts have been investigated longer than 30 days, no letter has been generated, none of the disputed account creditors have proffered up proof positive of any Information binding XXXX XXXX XXXX to the alleged debt, there are no signatures only personal information that was submitted electronically, additionally there was a police report given in XXXX regarding fraud. And the credit report was locked, since then I have disputed these alleged debts, the alleged creditors have been directly notified of the disputes, initially the disputes were put in XX/XX/XXXX, 30 days ended XX/XX/XXXX, those disputed items still remain on XXXX XXXX XXXX credit report even after being disputed. Experian has failed to comply with fdcpa, the alleged creditors have failed to provide any corresponding documentation that would constitute ownership of any debt by XXXX XXXX XXXX, Experian continues to ignore the law. In addition experian was sent identifying information about my current address ( XXXX XXXX XXXX XXXX, XXXX WI, XXXX ) my full name as stated on my driver 's license and birth certificate ( XXXX XXXX XXXX ) yet experian continues to place incorrect information on my credit file, they updated my address to the home of my brother in Oregon, wisconsin, and have an address ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ), where I done reside nor ever resided my eldest sibling lives there and has lived there for over 15 years, experian continues to fraudulently place items in my report and disregard the documents provided to validate my claims. I would like for them to be sanctioned for constantly and consistent misappropriation of my true Information. I have provided all legal documents to substantiate all of my claims, nobody is holding experian accountable for falsely representing my credit profile, it has caused financial hardship, and monetary loss. I view, based on my perception, it to be deliberate in nature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Transunion Credit bureau has failed to respond about the removal of the erroneous information about My Inquiries. Sending them the last complaint dated from XX/XX/XXXX to the present, I have not received any response up to this date. On the other hand, inaccuracies about my inquiries are continuously reported on my Credit Report. Therefore, TransUnion failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned Inquiry that is still reporting on my reports : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/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 2022-08-16
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, Equifax, XXXX, and XXXX have violated my rights. 15 U.S.C 1681 section 602 A. states that 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX has a medical bill from XXXX XXXX XXXX that shouldnt be on my report. It is illegal to share hospital records. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All the above accounts were shared without written permission and I am demanding they be removed from my credit report immediatly

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Guild Mortgage Company LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX we applied for a loan approval with Guild Mortgage, our Sales Manager was XXXX XXXX. We attempted to have a face to face meeting multiple times with him so we can have a firm understanding of what to expect for mortgage costs etc. The sales manager didn't set up a meeting with us until XX/XX/XXXX and we never received a GFE ( Good Faith Estimate ) before this date. During this meeting I explained to XXXX that my girlfriend was XXXX  and these financial numbers didn't make sense for my family and I, and I couldn't afford this loan on my own. My girlfriend and I decided that she shouldn't return to work and focus on raising our soon to be XXXX XXXX. I asked XXXX why he waited this long to have a meeting with me about this and he had no excuse and all he did was apologize. If my family and I knew before hand how much the mortgage was going to be and all other details we would've avoided doing business with the home builder XXXX XXXX. Because of XXXX 's unethical business practices and incapability to handle our transaction responsibly, I have lost {$16000.00} to the builder and they refuse to refund any/all of the financial funds. I attempted reaching out to Guild Mortgage branch manger XXXX XXXX through email to explain to her the situation going on, she was unresponsive. I emailed XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have spoke with different reps at Equifax in the month o f "  XX/XX/XXXX '' and given different confirmation numbers along with documentation in the mail stating the y have removed a incorrect address that I have never lived at which is "  XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX  , NY  XXXX  ''. This address keeps appearing on my credit report when Equifax states the address has been removed. I pulled my credit file today   XXXX - XXXX -2017  and address is still listed on my report. I have no credit history linked to that address. Equifax is the only  Bureau t hat lists this incorrect address.  <P/> Confirmation numbers advising address was removed are  XXXX   XXXX   XXXX   XXXX  PLEASE REMOVE ADDRESS I NEVER LIVED THEIR.  <P/>  XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX  , NY  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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:
XXXX was sent various letters regarding their investigation process and violations that appear on m personal credit report. Personal information was also erroneous and was updated only after requested. This includes wrong names, addresses, phone numbers, and open dates on accounts. Amounts owe on accounts were in error across all three credit bureaus. The status of accounts was incorrect as one account was closed and reopened as active. XXXX sent a stalling letter as a response to a letter sent to state how they verified the information in my personal credit. Currently, there has been no response to this letter. Letters were sent to XXXX and Experian to address the investigative process according to the law

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 2017-06-02
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Paid Midland Fundraising off  in full in  XXXX ,  2017 . There is a {$0.00} balance. Please remove off of credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Hello, I opened a credit card account to HSBC. Account was approved. Then, I wrote a check for a balance transfer. It was first approved and then denied as it was " dishonored and returned ''. I tried to call the company and the special dept that takes care of this problems is never available or they do not respond. I tried then closing the account and they say the only one that can do that is the special department but they are unreachable. So, I have a credit card that I opened and I can't used and I can't close neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Dear CFPB, The XXXX of XXXX XXXX, I have done a SEPA deposit funds of XXXX euro to XXXX to fill my account on the XXXX XXXX platform ( XXXX XXXX XXXX ). 

At the time I am writing this message ( XXXX of XXXX XXXX XXXX my XXXX account has not yet been credited with the XXXX euro I sent to them. 

I have also opened a case on XXXX support where I provided XXXX XXXX Wire traking info ) but I have got no anwser. 

I have also try to call XXXX Phone Support at +XXXX ( XXXX XXXX XXXX and not body anwser after almost hanging two hours and a half. 

Could you help me to get my money back? 

Best Regards

Company response to consumer: Closed with explanation