BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-08
Company: Experian Information Solutions Inc.
State: TN
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2023-02-21
Company: Giggle Finance Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Giggle finance charges much more interest allowed by Georgia law. To get around this they say its not a loan. They say they are giving you money for a portion of your revenue. They take it out weekly like a payday loan. When I blocked my debit card they started taking it out of my checking using information they got when I applied for the loan. I dont believe I ever authorized an ACH but if I did I talked to them on text and told them I revoked authorization but they wont stop. If filed disputes with my bank.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Home Loan Center, 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: Personal information incorrect

Complaint:
Lending Tree The profile has my entire info but it shows many small errors that Make it seems like it's me And its creating a big Problem that's affecting me.

There's Loans and Credit Cards Under my name I didn't Get, the address matches mine, even my last address but my date of birth is different for 1 year but in the SSN the last 4 matches my last 4 ITIN number.

A credit line I had just closed my account without giving me any explanations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Avant Holding Company, Inc.
State: TX
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:
I called on XX/XX/2023 to close the account. I received a email from avant that the account was closed. Then i receive a notification from the app that i was charged the late fee and I need to pay the account. I called and advised avant that I closed the account..today I received a bill it was not a final bill. And they are reporting false info to the credit Bureau as if the account is opened. I closed it and is waiting my final bill to pay it. I refuse to pay a late fee on a account that I closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union is not responding to any of my numerous requests to investigate, verify and remove accounts from my consumer credit report that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 continues to falsely report account information despite direct dispute with them. The bank institution has verified my dispute as legitimate but TransUnion fails to correct the issue. 

My account with XXXX XXXX XXXX XXXX has been paid in full and closed since XX/XX/2021. I have provided the final statement to TransUnion but never get a response or it will say verified as accurate when it is not.

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022.

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 2022-08-13
Company: Experian Information Solutions Inc.
State: GA
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 recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. 1 never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my 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 2023-04-18
Company: EQUIFAX, INC.
State: GA
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
In accordance with the Fair Credit reporting act XXXX XXXXt # 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 XXXX XXXX .... Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. Before Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Type Auto Loan Terms 76 Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance $ 0 Monthly payment {$0.00} XXXX XXXX XXXX {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XXXX XXXX. Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. After Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Type Auto Loan Terms 76 Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance $ 0 Monthly payment {$0.00} XXXX XXXX XXXX {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XX/XX/XXXX. Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. XXXX  XXXX .... Updated The information you disputed has been updated. Please review your report for the details. XXXX  XXXX .... Updated The information you disputed has been updated. Please review your report for the details.

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 2023-02-20
Company: EQUIFAX, INC.
State: MD
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'm " XXXX XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few items that require deletion. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). I'm confident the contested items are settled : XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2019-03-31
Company: Velocity Portfolio Group
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have a letter with a statement claiming that I owe Velocity Investments , LLC {$6600.00}. Under my full credit report that account was closed off and written-off since XX/XX/XXXX. They also claim that I executed and delivered a contact to XXXX. XXXX XXXX. Which is a clearly false allegation. Since I was the one purchasing a vehicle from them in XXXX. Velocity Investments , LLC havent once sent me a letter or any documents that have proof that they are clearly the owner to the herein. They also claim I had more than one account with 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 explanation
Consumer complaint received 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did not authorize the following inquiries. Please remove them :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Summary : I did not receive the advertised welcome offer for the Amex XXXX Card XX/XX/2020 : I applied for the Amex XXXX   Card through this link : " XXXX/amex-offers '', which indicated the following welcome offer : " Support Restaurants You Love. Receive 20 % back as a statement credit when you make a purchase at restaurants worldwide with The XXXX  Card within the first 12 months of Card Membership, up to {$300.00} back. 

PLUS, earn XXXX Membership Rewards Points after you spend {$5000.00} on eligible purchases with your new card within the first 3 months of Card Membership. '' Clicking on the XXXX  ( also owned by Amex ) link took me to the following link, which indicated the same welcome offer ( I also saved the webpage and the terms from when I applied, see attachments ) : " XXXX : XXXX '' I applied and was instantly approved. 

XX/XX/2020 : I used the online chat feature and asked the Amex customer service representative to confirm that the welcome offer was attached to my account. The representative confirmed that the XXXX MR points after {$5000.00} spend was attached, but could not see the 20 % back on restaurant purchases ( up to {$300.00} back ) attached. I was transferred to a supervisor and an investigation was opened for me. 3 weeks later, Amex said that the investigation concluded that I should receive only the XXXX MR points offer. I disagreed, and told them I had proof that the terms clearly advertised that I should receive 20 % back on restaurants ( up to {$300.00} back ) in addition to the XXXX MR points. A new investigation was opened, but to this day ( XX/XX/2020 ), Amex has not honored their publicly advertised welcome offer. 

Therefore, after multiple attempts to resolve this issue with Amex, I have no choice but to submit a CFPB complaint about Amex 's misleading advertising and marketing practices. I would never have signed up for a {$550.00} annual fee card if it wasn't for the lucrative welcome offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I discovered on XX/XX/XXXX that TransWorldSystems, Inc. had placed two negative reports on my credit report stating that they had charged off debt. I believe that I settled both amounts with them in XXXX, XXXX. The supervisor I spoke with " refused to remove the items from the my credit report '' even though I requested evidence that they had sent correspondence to me and also when I stated that I believed the debt had been settled with their agency. I have a credit card statement which shows payments to TransWorldSystems, Inc. from that time. 

That statement, with the payments circled, is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: ALLY FINANCIAL INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2022-10-02
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:
so today i have finally viewed my consumer report for the first time in years and i have noticed so many fraudulent and negative information on my report that i have no idea even existed on my report. i never initiated any of these credit transactions. i would really like these things to be removed because i dont have a clue as to who put these things there. Inquiries from capital 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. My birthday is incorrect which should be XX/XX/XXXX. My only address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ny XXXX. My name is XXXX XXXX. XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXXXXXX Acct XXXX XXXX needs to be removed immediately also because those accounts don't belong to me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Company allowed me to go over limit ( which I didn't request or desire ) resulting in late charges and reporting to credit bureau. Only discovered the credit report issue today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LVNV Funding LLC is reporting account XXXX on my credit file as delinquent, however, this account was dismissed without prejudice in XXXX XXXX XXXX via civil case number XXXX on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: Pressler & Pressler, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been repeatedly charged interest by this collections agency when I have enrolled the company in national debt relief months ago. They already know I can't do anything else they failed to sue me a while ago because all I receive is SSI. Now I haven't enrolled with national debt relief with less than they say I owe now because they keep racking up the interest I don't even think they're looking at this settlement attempt! Every other collection agency has been fine but these people keep reporting collections increase for my credit report every month! I'm trying to settle this debt they are not making it any good experience

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: ROBINHOOD MARKETS INC.
State: CT
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:
I had two unauthorized transactions on my robinhood XXXX debit card on XX/XX/2020 at XXXX est and XXXX est with {$3500.00} and {$1500.00} amount.I have noticed the issue as soonas possible I raised the dispute and case with robinhood at XXXX est on XX/XX/2020 ( ******* ) .I requested robinhood to act fast and block those transaction as those transactions were still showing pending but they did not act hence as of XX/XX/2020 both the transaction showing as posted and my hard earned of {$5000.00} which is my 6months of saving just went disappeared from my robinhood account. 
During this pandemic time I need that money back to my account so that I can withdraw it to use my medical bills and support my family. 
I have attached all the communication with robinhood and all the complaints I had raised for that along with the screen shot of the unauthorized transactions. 
Request you to please help me to get my money backas soon as possible and do let me know in case you need any further information. 
Below are the unauthorized transactions details and my robinhood account details. 

Account Number ( XXXX ) XXXX ( XXXX ) XXXX Unauthorized Transactions 1 : - XXXX XXXXXX/XX/2020- XXXX XXXXStatusPendingTimeXX/XX/2020TypeOnlineDescriptionXXXX XXXX, XXXX Unauthorized Transactions XXXX : - XXXX XXXXXX/XX/2020- $ XXXXStatusPendingTimeXX/XX/2020TypeOnlineDescriptionXXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
The Company Coinbase Has Been Holding My Money For About 3 Weeks. 
I Have Been Trying to get a hold of it and does not seem to work. I emailed them. no response. called them. no response. I am now reaching out to you guys because they refuse to give me access to my personal account. please help

Company response to consumer: Closed with explanation