BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-12
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-01-12
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: Personal information incorrect

Complaint:
On XX/XX/2022 I explained to Experian through US mail and via phone call that an particular address on my credit file was undeliverable by USPS and that it was incorrect and gave them the correct address but but they refuse to remove the incorrect address from my credit report I inform them that I only wanted the one address which is my current address and all the others removed from the credit report so I only wanted one address and they have refused to remove the address even though it's incorrect because it's undeliverable by the USPS Post office. I was told by a Experian rep. that I had to contact the creditor that reported the address and have them remove it if I wanted it removed like I said I've tried to do it have it removed by mailing them a letter to ask them to remove it twice and also calling Experian on the phone two to three times and they won't remove it. The other credit bureaus, XXXX XXXX XXXX removed them no problem You're help ( CFPB ) in this matter would be greatly appreciated. Thank you ahead of time. Sinserely, 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 2022-01-12
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
they keep denying me wont tell me why i keep asking for specific reasons they wont tell me why they blacklisted me they told multiple dealers this customer is balcklisted will never get a loan with bmwXXXX XXXX financial services nto sure this is legal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-07-24
Company: EQUIFAX, 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:
I was trying to get a phone for XXXX and they were running my credit and then they were like my Social Security number was not matching my name on my Social Security number was popping up a different name or something like that so Im calling to file a complaint on how to fix this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have repeatedly tried to access my online Equifax report to file disputes to have fraudulent information removed. My access has been blocked, claiming my information was not correct. I have tried to log in multiple times in the last week to week and a half. 

my information is correct and i have never had any issues logging in until the previous dispute i filed was resolved in my favor and fraudulent items were removed. 

i am a victim of identity theft and Equifax is intentionally blocking access to my file. When I called, i was informed that i could only view results electronically. I was told at first, that there was no technical support department, and then after speaking with a supervisor was told there IS a department but they do not take calls. They told me that it was a temporary error " while they fix their system ''. I highly doubt their system has been " down '' this long. 

I WILL also be filing suit in XXXX XXXX court. this is a gross violation of the state and federal consumer protection laws regarding credit report access and dispute resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-12
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: Their investigation did not fix an error on your report

Complaint:
I contacted experian via letter and ask that they verify and validate public record aka a bankruptcy that listed on my credit report, they returned the item as verified, I requested a method of verification by phone with a agent on XX/2018 at XXXX eastern standard time, she said the courts verified it, when I told her that the court did not verify anything I have a letter she claimed XXXX XXXX a third part runner verified it, I said thats a violation of the FCRA guidelines and XXXX XXXX need to be listed as the furnisher of this information and a contact information, I requested they tell me who at XXXX XXXX verified it the date it was verified by them so I can contact them, she then stated that she is not sure if XXXX XXXX verified this information ... now she says she dont know who verified it.. well by law you have to know who verified it or else its not verified that means your computer verified it and thats invalid and 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 2017-10-11
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We moved out of an apartment ( 600sq ft ) back in XXXX XXXX where we used XXXX XXXX for our electricity. Within a year, our bill went from around {$60.00} up to {$200.00} with no reason. When we moved, I canceled our service with XXXX. They tried to charge us over {$300.00} for doing so when they had already ripped us off on our monthly bills. I conveyed this to the original collection company back at the end of XXXX and heard nothing after that. It was removed from my credit report earlier this year but is now showing up again with a date of XXXX XXXX, XXXX under XXXX. There is no reason I should have to pay this amount for a company I havent used in over 2 years that gave no reason that I was significantly overcharged. If anything, they owe me money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX have reported fraudulent info on my consumer report that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2019-07-24
Company: Santander Consumer USA Holdings Inc.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I AM A VICTIM OF IDENTITY THEFT and regularly monitor my credit reports. I recently viewed my credit report and viewed a hard hit inquiry from " Chrysler Capital '' that I don't recall authorizing. I have tried several times ( last time- yesterday ) by calling Chrysler Capital and unfortunately they did not want to resolve this matter informally. I requested for them to provide me the credit application that is dated and with my signature that confirms that the hard hit inquiry was done with my permission & for a permissible purpose. Each time the representative said they would be unable to do that. 

Date of inquiry : XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX added a collection account to my three bureau credit reports for {$1000.00} in XX/XX/XXXX. It lists the original creditor as XXXX. I closed my XXXX account in XX/XX/XXXX. I never received written notification of a presumed debt from XXXX XXXX and I never had a debt from XXXX. I have been XXXX with the military since XX/XX/XXXX and under SCRA protection. I believe XXXX XXXX 's practices to be illegal but they wont remove the items and it has dropped my credit score 40 points.

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 2019-07-24
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: Old information reappears or never goes away

Complaint:
Old information reappearing

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 2019-07-24
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
received my monthly statement for XXXX stating my balance on my account was {$65.00} which is due on XX/XX/19. I paid that balance off on XX/XX/19. I received another statement for back finance charges in the amount of {$200.00}, when i thought the account was paid in full. I called Comenity to ask and it turned out a promotion ended on XX/XX/19 which was the reason for the back interest even though my statement stated my due date was the XXXX and I had paid prior, I was still charged. This was confusing on the statement, i explained and I paid off that balance immediately. I now have an additional balance of {$27.00} for a late fee and finance charges on that amount for {$4.00}. I specifically asked the rep on the phone if the finance charge was for the late fee and she stated yes. I then asked to speak to a supervisor and requested to have my account closed. I feel this is in violation of UDAPP due to how the statements read causes confusion and additional charges when the account was thought to be paid in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-24
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
.Im not paying for these finance charges that have been blown out of proportion. XX/XX/XXXX2017 they offered the same vehicle for sale for XXXX. XXXX XXXX XXXX in XXXX XXXX, LA.. Ive got copies from the internet Tell Nissan to call their collection dogs off and lets fix this. They cant be Stupid the rest of their lives..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Nae-Mo Corp dba Matthews & Michaels
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My spouse received several phone calls from a debt collector called " Matthews & Michaels ( XXXX XXXX ) '' asking for a person with a similar name to mine. She told them that no one of that name lives here and hung up, and did not answer calls from that number after several initial calls. 

On XX/XX/XXXX, three men in a large pickup truck from an agency called " XXXX XXXX XXXX XXXX '' came to my home asking about a vehicle that I have never owned and asking for a person with a similar name to me. They did not initially identify themselves but just said they were here to talk to me about this vehicle. When I said I was not the person they had named, they began to leave, but I asked them who they were and who had sent them. They had paperwork that showed that they had been sent on behalf Matthews & Michaels, and they allowed me to photograph the paperwork. I have attached this paperwork to this complaint. 

The paperwork shows my address and my wife 's phone number listed with a person with a similar, but different, name. It also lists other addresses that I have never lived at or been associated with, as well as a vehicle I have never owned or driven. 

The paperwork lists the following contact information for the two companies involved : Matthews & Michaels ( XXXX XXXX ) XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone : XXXX Fax : XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I wired {$3000.00} on XXXX XXXX to XXXX their website promises to reflect that money within 1 business day. I waited several days ( until XXXX XXXX ) to open a support ticket to find out why the money has not yet been deposited. Today the XXXX i still have no answer, i tried contacting Coinbase.com via phone, email support and XXXX and am not able to get ahold of anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Check Fraud has been committed and Wells Fargo has verified this, a check was made out to me and i did not endorse it, nor was I even present. Wells Fargo cashed it regardless, despite my reaching out to them proactively. I have been told that they will be refunding the check so the issuer can send it to me. This was months ago. Wells Fargo refuses to divulge any information regarding time frame or where in the process they are. I have been awaiting for my funds for several months now, with no information given to me. Cashing a check without the persons endorsement, without the person even being there is extremely and crossly incompetent. These are institutions we are supposed to trust. 

Again I have filed out the affidavit Wells Fargo request, that check was made payable to me, I did not endorse it and it was cashed regardless. That is grossly unacceptable from a Financial Institution Account number XXXX, check number XXXX for {$3500.00} Payable to XXXX XXXX AND XXXX XXXX XXXX XXXX the VP of commercial banking corresponded and said it takes 30-90 days, that was XX/XX/XXXX. I'd like an update at the very least please.

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 2018-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2019-07-24
Company: MRS BPO, LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an inaccurate collection from mrsbpollc, originally XXXX XXXX, for {$710.00} showing up on my XXXX XXXX. 
When I pulled my credit file, the debt isnt showing on it, giving me no account number to reference for a dispute with XXXX. 
Ive never had an account through XXXX XXXX and it needs to be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The company XXXX XXXX, ( Barclay ). They gave me limit of XXXX   on XX/XX/XXXX then decreased amount on XX/XX/XXXX to XXXX. I already had XXXX on the card. Then they hit my credit report and hit me with fees.

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