BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2023-11-13
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have send XXXX $ through western union on XX/XX/2023 which they promise to receive on XXXXXXXX XXXX XXXX but the money is still not received until today XX/XX/2023 for this I reported many times to the company, the company is just telling to wait from last XXXX days so today I contacted to western union XXXXXXXX XXXX XXXX XXXX. In hope that she will give me fair resolution for my problem but She is saying directly we don't have resolution for your case you just need to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, I have been using Coinbase for the past 2 months. I was able to buy, sell and move digital currency without issues. Suddenly they start to ask for additional information and now they are withholding around USD XXXX of my money on the USD wallet. I can not transfer to my bank account, can not buy cryptocurrency, essentialy I have no access to the money. Ive created a case with them # XXXX on XX/XX/XXXX and no response. The customer support is awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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: Information belongs to someone else

Complaint:
XXXX XXXX  have VIOLATED my rights per 15 USC 1681b Permissible Purpose, I have not given written consent for this company to report on my consumer report nor did I give the consumer reporting agencies any written consent to place this on my report. Reporting this is considered identity Theft!

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 2022-03-14
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2019-07-30
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:
Equifax has re reported information on my report and it is damaging my credit worthiness. The accounts XXXX XXXX XXXX and XXXX XXXX XXXX was deleted from my report XX/XX/2019. To date it has been replaced on my reports and I received no notifications of it being put back. Per FCRA 611 ( a ) ( 5 ) ( B ) Credit File report ending in # XXXX they are to notify me if they are placing an item back onto my report. 

I spoke with a Manager who insured this would not happen again, and it did. There is a XXXX balance on the account.. 

I request that these 2 accounts per FCRA 611 ( a ) ( 5 ) ( B ) be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX  CARD partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.

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 2021-02-04
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2023-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit 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:
A charge for {$36.00} from XXXX XXXX showed up on my CapitalOne credit card. I called to dispute it and was told to upload a copy of my Drivers License, both front and back, so they can verify it's me. All of this happened on XX/XX/23. I asked that there has to be a better way to verify my identity other than providing such a personal item as my Driver license information. It's bad enough that someone used my card number while the card sits in my wallet but to require I further compromise my Identity with the company that allowed it to happen by giving them copy of the license is ridiculous. I asked to speak with the supervisor who also insisted on my drivers license info. Then I requested they cancel the card but was informed I'd be losing my reward miles I've accumulated if I did so. So today I've used my miles that have accumulated to pay down some of my bill but an addition +/_ {$7000.00} will post and be paid for by me by the due dates. I would have rater spent the rewards on traveling. I am writing this to complain about the requirement to upload the drivers licence info they feel is necessary to verify me. Please forward this complaint to the company so they change that policy. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Cell # ( XXXX ) XXXX Capital One Credit card # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-17
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUN T -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I having a problem with portfolio recovery debt collector. I have told them on multiple times over the phone to please stop contacting me and that the two collection accounts are not mine but they keep calling at least 20x a day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I recieved 2 different Visa debit cards from TD bank which I never have or even heard of them. I called them a few weeks ago and got their fraud XXXX. and they said they took care of it. Today I recieved checks from 2 different accounts which I did not order, as I am typing this I am waiting for them to take my call for these checks. I did not nor do I want these. I have locked all3 Credit Bureaus a month or so ago because I recieved a card from XXXX XXXX XXXX which they informed me they caught and stoped it before I did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX and this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXXXXXX XXXX XXXX XXXXXXXX Balance {$23000.00} XXXX XXXXXXXX XXXX XXXX Balance {$1900.00} XXXX XXXXXXXX XXXX XXXX Balance {$1400.00} XXXX XXXXXXXX XXXX Balance {$170.00}

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 non-monetary relief
Consumer complaint received 2020-01-17
Company: Experian Information Solutions 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:
I submitted a complaint, File # XXXX and I have not heard from this Company to date..Once Again!

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 2022-02-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
As I reviewed my recent report, I have found an erroneous information reporting on my Experian Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Experian to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1300.00}

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 2019-05-17
Company: BARCLAYS BANK DELAWARE
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
There have been several charges made to the same merchant which we frequently do use, however in this instance none of these charges where authorized by us. I have tried contacting Barclays, but the are refusing to consider this fraud as they are stating the physical card was used. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2023-06-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

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 2019-07-30
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company is Midland Funding XXXX, they are rude & obnoxious. Accusing me of check fraud, they have a lady who calls & says she is from a county office using a bogus XXXX area code cell phone, she doesn't identify the county or office she is with, I tried to call number back but no answer or any other info all she has is a case number & XXXX number for Midland. When I called the XXXX number I was threatened with legal action, accused of being a thief. The lady called a second time & left me a voice mail threatening to harass me at my employer. I am not sure what this loan is, but when I called they said well you only owe XXXX & if you don't pay it we will sue you for 5 times this amount. I told the man on the phone that I have had identity theft & I can prove that my information has been used illegally, he basically told me I was lying. I told him if he was legit he would be familiar with the protocol in this situation. He got really mad at me & told me they would hire an attorney & sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This account was opened fraudulently and not by me. This is a violation of my rights as a consumer. It has been sent to XXXX and Texas State Attorney General for the violations committed. I have not authorized for these alleged accounts to be added to my consumer report. 5 U.S.C. 552a ( b ) - THE PRIVACY ACT OF 1974 In accordance with the requirements of the Privacy Act of 1974, as amended, 5 U.S.C. 552a, the Securities and Exchange Commission gives notice of the amendment of its system of records for Enforcement Files ( SEC-42 ) to clarify its routine uses with respect to disclosures related to the collection of amounts ordered to be paid in civil and administrative proceedings, to incorporate a statement regarding disclosure to consumer credit reporting agencies, to update statutory and regulatory references in certain routine uses, to update addresses of system administrators, and to identify exemptions from disclosure that have been claimed for this system of records under the Privacy Act. There is no 3rd Party involved.

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 2022-02-24
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
I requested Experian send a VALID copy of a permissible permission that could be justified to access my credit report on XX/XX/XXXX. The latest complaint was # XXXX, XX/XX/XXXX, just 8 days ago. However, Experian refuses to send because we both know it doesnt exist and Experian will not own up. Experian continues and repeatedly replies This complaint appears to be a duplicate of a complaint we've already received. We've included a reference to this complaint on that record. Experian dodges liability.

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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Pursuant to 15 USC 1681 ( a ) I did not authorize consent to nor benefit from the listed account. Please Delete immediately and Pay the invoice for all Federally Protected Consumer Right Violations!!!! I sent an Affidavit two months ago, I have not received a response back.

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