BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 ) 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 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 2021-07-16
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
STOP SENDING ME RECEIPTS FOR CHECKS!!!!! THEY'RE COMPLETELY USELESS!!!!! I NEED AN ACTUAL CHECK FOR THE MONEY YOU OWE ME WHICH INCLUDES THE {$15.00} XXXX XXXX CHARGED ME FOR THE ONLY CHECK YOU DID SEND AND ILLEGALLY STOPPED PAYMENT ON!!!! I SHOULD NOT ALSO BE OUT {$15.00} BECAUSE YOU ALL ARE COMPLETELY INCOMPETENT AND ILLEGALLY STOPPED PAYMENT ON A CHECK THAT WAS SUPPOSED TO BE VALID FOR A YEAR!!!!! HOW CAN A BUSINESS THAT'S SUPPOSED TO BE RESPONSIBLE FOR PEOPLE 'S MONEY BE RUN BY A BUNCH OF PEOPLE WHO ARE SO COMPLETELY INCOMPETENT!!!!! YOU HAD A ROBOT CALL ME THAT WAS COMPLETELY UNINTELLIGIBLE!!!! YOU SENT AN EMAIL I COULD NOT OPEN OR READ!!!! YOU SENT LETTERS WITH NO NAMES OF ACTUAL PEOPLE TO CONTACT!!!! WHAT THE XXXX IS WRONG WITH YOU ALL???? I HAVE DONE NOTHING WRONG EXCEPT OPENING A CREDIT CARD TO USE WITH XXXX WHICH IS ALSO RUNNING MULTIPLE SCAMS AND STEALING MY MONEY!!!! I WANT MY {$50.00} RETURNED TO ME VIA ACTUAL CHECK IMMEDIATELY OR YOU'LL ALSO OWE ME INTEREST AND COURT FEES!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2021, three employees from an out of state XXXX accessed my customer account and did a XXXX swap. With access to my phone number they did a CoinBase password recovery and accessed my CoinBase account. I disabled my account per CoinBases 's instructions within 30 minutes of my account breech. I worked with my local XXXX to secure my phone, worked with my local police in regards to the 3 employees who accessed my XXXX account. I informed CoinBase I needed access to my account. I have an open police report and an open investigation with XXXX Coinbase is unwilling to communicate with me, and unwilling to help me access my account. I have no idea what or how much was taken. I need a transaction history. This is going on 2 months. I filed a formal complaint through CoinBase, only for them to close the case with no help or resolution. My next step is legal litigation. 

CoinBase Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I dispute a fraudulent Parking ticket due 2 factors with the Parking agency to the fact where my vehicle was parking the address showing in the Ticket I received in the mail it doesn't exist also the ticket issue showed a License Plate I reported stolen to the Police department even I disputed the validation of the ticket with the City of XXXXXXXX XXXX, They never corrected the mistake done, even between their own employees conceals evidence Now I got a letter from one of their debt collectors threating me to intercept my tax refund, my registration place or my vehicle be towed. I would like the Agency to stop this debt collector threats and remove any collection activity because this alleged debt its been disputed due to be a Fraudulent Action. I'm enclosing a signed letter to them along well their letter I received yesterday and the copy of the Fraudulent Ticket Dispute Letter done back in XX/XX/2017.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 have these accounts that are not mine and i want thm to be remove from the 3 credit reporting agencies.

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I've had gasoline credit cards with Exxon XXXX XXXX XXXX XXXX and Sunoco XXXX XXXX XXXX for almost 50 years. Both have been taken over by Citibank. I have averaged {$11000.00} of gasoline purchases using these cards during XXXX & XXXX. My Exxon-Mobil statement due XX/XX/XXXX had an amount due of {$86.00} for XXXX purchases and I deliberately sent check # XXXX for {$88.00} more than the amount due as a sign of good faith. And then in a Citi letter from XXXX KY dated XX/XX/XXXX, ( 12 days prior to the XX/XX/XXXX due date ) with a bogus reason stating that the written and numerical amounts differ which was not true without any tel # or name to call.. So, I returned check # XXXX for the XXXX purchases along with a second check in the amount of {$67.00} for the XXXX purchases again weeks before the XX/XX/XXXX due date. I did not include the fraudulent interest charge, nor the fraudulent service charge. 
And then on XX/XX/XXXX, 15 days prior to the XX/XX/XXXX due date as my wife was filling up at an Exxon station prior to beginning our vacation trip, her card was declined. I called Cust.Serv.and spoke with XXXX who told me that a human doesn't review returned checks and he couldn't help a 50 year credit card user who has paid $ XXXX gas charges in XXXX & XXXX. I asked the matter to be escalated and instead I was transferred to another RepXXXX ID # XXXX who followed the exact same script as XXXX. I asked the matter to be escalated and I was given XXXX ID # XXXX and told the 3rd rep my entire story and that we were scheduled to leave for vacation at XXXX and she followed the same script and said that she was my highest entitlement at Citi and nobody at Citi could resolve this negligent Citi system XXXX up. Clearly there are fees and interest that they extort out of more than me in this scam and they need to be audited by the regulators

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 2018-12-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I don't understand why these accounts are showing up with inaccurate information, this needs adjusting because it was not paid late, payments were made on time on My two XXXX XXXX XXXX accounts, and XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Experian Information Solutions 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:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - {$1300.00} Original creditor : XXXX XXXX XXXX {$1300.00} Highest Balance {$1300.00} Opened XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} Original creditor : XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$190.00} Highest Balance {$190.00} Opened 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 2020-05-11
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:
Pretty simple ... ... .My mortgage loan holder XXXX XXXX stated they would stop reporting any derogatory information to credit reporting agencies during the COVID-19 pandemic. 
In XX/XX/XXXX a ( Late Payment ) was reported to TransUnion, XXXX, and XXXX ... .I submitted an online request to have this derogatory information deleted. They all have failed to comply with this request as of XX/XX/2020

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 2020-10-12
Company: Experian Information Solutions Inc.
State: WI
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:
XXXX XXXX Original creditor : XXXX {$330.00} I recently reviewed my credit report and noticed a fraudulent medical bill on my account. I filed an ftc report, police report and sent this information to the original creditor and credit bureaus. Nothing was done. I also notice unauthorized inquiries on my report from sm bus admin.

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 2018-12-21
Company: Netspend Corporation
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Long story short. I purchased a laptop from XXXX. I was using a Netspend bank card. After purchase, my parcel delivery was quite long and he was lost. When I found I decided to return the item back to XXXX. They accepted my return and issued a return to My Netspend bank account. When my bank account was credited I attempted to log in to the account and received a pop-up message that my account is locked. At the same time, I picked up my phone and called to Netspend customer service. What they told me is that my account is locked and did not explain a reason why. They also told me to call XXXX and ask them for a letter of indemnity or to reverse the funds. XXXX response to me was that they do not do those things. So I am in a situation where one business ( company ) asks me for things where other companies ( business ) do not provide that kind of things and my funds and my actions are restricted. XXXX confirmed that they received an item and processed a refund and everything is fine but Netspend holds my money by force. I have a lot of info who proves that my return is sucessful. So this is what I have from XXXX : " Upon review, our system shows that a refund was issued successfully for order number XXXX back to the original payment method, VISA card ending in XXXX on XX/XX/2018 in the amount of {$1500.00}. Refunds generally take 1-5 business days to reflect into your account but are based on your Financial Institutions processing times. If you are not seeing the refund, please contact us at XXXX opt. XXXX, so we can conference call your Financial Institution for more information. '' Order ID : Order # XXXX Name on the order : XXXX XXXX. The laptop was bought with a virtual credit card. XXXX gave me an authorization code for the funds to be released - XXXX. Pretty much this is everything I have in this situation and now I am asking your help because in this situation I am powerless.

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 2018-05-04
Company: U.S. BANCORP
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I HAVE CONTACTED US BANK NO LESS THAN 5 TIMES IN REFERENCE TO STATE TO STATE TRANSFER SO THAT I MAY REGISTER THE VEHICLE IN FLORIDA. THE STATE REQUIRED US BANK TO MAIL THE TITLE TO THE AGENCY LISTED ON FL FORM XXXX XXXX.WHICH I FAXED TO US BANK OF XXXXXXXX.18. I ALSO CALLED TO ENSURE IT WAS RECEIVED. INSTED US BANK SENT A LETTER TO THE TAG AGENCY WITHOUT THE TITLE STATING THAT I HAD PERMISSION TO TITLE AND REGISTER THE VEHICLE IN THE STATE OF FLORIDA. THE LETTER WAS NOT SIGNED AND STATED INCORRECTLY THAT I COULD TITLE THE VEHICLE WHEN NO TITLE WAS PROVIDED BY US BANK. THIS WAS MY 4TH TRIP TO THE TAG OFFICE WAITING HOURS EACH TIME TO BE TOLD NO CAN DO. I CALLED US BANK AGAIN TODAY AND ASKED FOR A MANAGER. I WAS TOLD ONE WOULD CALL ME BACK AND THAT NEVER HAPPENED!

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 2023-04-12
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:
TransUnion and XXXX credit companys have accounts not set up by me they was open under my info after loosing wallet with XXXX in it as well only account I have open for myself is any open credit card accounts XXXX XXXX  being one them but lot of inquirys and accounts claiming I owe money and I was not one that open those accounts stated I'm XXXX these companies both do nothing but come back from many dispute saying information is accurate info when I am victem of froudulant charges in my name I demand to get delete off my credit reports from both companies but they refuse to listen to me they are in violation of putting on my report these reported many times by myself they not open by myself they still not only keep on but violation of refreshing dates as well when disputed please have them both companies have these negative balance accounts deleted off my reports asap please and thank you XXXX XXXX ssc # XXXX birthday is XX/XX/90

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 2019-11-18
Company: Penn Credit Corporation
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: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX, My husband and I sold our house and moved from our home in XXXX XXXX, PA. We called the electric company to pay our bill and schedule shut off of our electric at the house. Sometime later in XXXX I received a collection notice from PENN Credit ( acct # XXXX ) regarding a past due elective bill. I did not know where this bill was coming from as my husband and I had to make a final payment in full on the electric bill of our home in order to schedule the power to be shut off at the home we sold. After multiple calls with the electric company and Penn Credit, the end result was that there was a gap from when the new home owners moved in and when XXXX shut our account off. XXXX would not adjust the bill to the correct account. Penn Credit just wanted their money. There was no way to even talk to the new homeowner to try to get them to pay the bill. So, frustrated and not getting help from any direction, my husband and I finally just paid the bill. It was agreed and the representative from Penn Credit confirmed that once I paid the bill over the phone with my bank card on XX/XX/XXXX the account would be removed from our credit report. Months later, the account is still on my credit report and affecting my ability to buy a home. We have spoken with one of the credit bureaus it is being reported to ( XXXX ) and they have indicated that they dont know why it is still on the report and it can be taken off, but needs to come at the request of Penn Credit. Any bank I speak too states the same. We have contacted Penn Credit multiple times and were told I can try to dispute all I want, they will just keep kicking it back that the account is closed but will never take this off of my credit report. They dont have to or want to. This is causing a major financial headache for me in trying to improve my credit and buy a home. I dont know what to do at this point. Penn Credit is preventing me from being able to obtain a loan. I have done what they asked and were promised it would be. I feel like my credit is being harassed and held hostage by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I have contacted this company so many times. They are not listening. The FTC is investigating. Why would I give them information when I am afraid they will do something with the information I provide. 

You can't ask for my drivers license when I am disputing it. California law. 

They keep giving me there resume without even hearing me. I can not take out a loan. I filed bankruptcy not to long ago and I am a veteran so there is no way I would be approved for a loan. LISTEN TO ME. 

Unless your company is shady which I believe it is. There would be no way I can take out a loan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
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: Information belongs to someone else

Complaint:
I am so tired knowing that my concern was not attended by XXXX!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX , XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
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: Information belongs to someone else

Complaint:
I am so tired knowing that my concern was not attended by XXXX!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report 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 2021-07-16
Company: EQUIFAX, INC.
State: CA
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:
Please see attached letter to Equifax. Also, the companies that are erroneously reporting are not listed in the inquiry list, nor in the creditor 's contact information at the bottom of my reports. This is further proof that these accounts are NOT mine, and appear to be those of " XXXX XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Southwest Credit Systems, L.P.
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: Account information incorrect

Complaint:
I was notified of new delinquent accounts on my credit report, I checked into these delinquencies to find that it was two different collection agencies reporting the same debt for two different amounts ( {$2500.00} & {$980.00} ) as of XX/XX/2018. I am not aware of these debts and have only been contacted by one agency in regards to this debt and asked if they could send in debt validation, in which, I have not received.

Company response to consumer: Closed with explanation