BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX 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 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 explanation
Consumer complaint received 2019-06-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted disputes for collection accounts on my credit report online and over the phone. I sent a copy of the letter from one account stating XXXX Account # XXXX was investigated and is to be deleted. When I spoke with Experian rep I was told it doesn't make a difference and I have to wait till it drops of next year. I informed him that's it's in writing that it is to be removed from my credit report I spoke with rep on XX/XX/19. I also uploaded docs to them. XXXX XXXX # XXXX XXXX is to be deleted from my credit report. 

In addition my credit score dropped 26 points after disputing I called Experian and asked why I was not given a clear answer I was transferred to two different departments and dispute department rep was rude and did not explain why my score dropped. I was told my score would not decrease my disputing collection accounts. I was missing informed and not provided a clear answer and my credit score dropped for unknown reason with Experian. 

Experian did not explain to me the reason why my score dropped 26 points and refused to delete XXXX account although I have letter stating it is to be removed after investigation XX/XX/19. Experian did not explain why my score dropped 26 points after my disputing items that have been on my credit already.

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 2021-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the 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 explanation
Consumer complaint received 2022-03-07
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency : Macy 's ( {$590.00} )

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 2021-04-08
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
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 not supplied proof under the doctrine of Estoppel by Silence, Engelhardt v. Garavans ( Mo281 SW715, 719 ), I presume that no proof of the alleged debt, therefore any such debt, in fact exists. 


I never authorized this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My XXXX saw a notice about Wells Fargo illegal actions with consumers. 
Loan # XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX  houses were underwater and loan modifications were offered to help consumer. 
I was in desperate need and called Wells Fargo XXXX both times were denied with modification even thought I was in a financial position and would qualify. This lead to my losing my home with filing XXXX XXXX XXXXXXXX. 
I am submitting a claim 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 2019-06-06
Company: BMW Financial Services NA, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have had two separate leases with BMW financial and for the length of the period of 36 month paid on time with no late payment. However I was asked to cosign by a BMW employee for a person I referred in and that individual the true owner of account # XXXX allegedly paid their lease twice late, information is still unsubstantiated XXXX XXXX is the registered owner of that vehicle, he drives it and pays for it, I am not copied on any invoicing or don't have access to the account which is in his name. BMW has reported the account twice late and has extremely damaged my credit rating through no fault of my own, I have asked them to revove that false credit information about, but they have maliciously refused. I would like a full investigation to be asked into BMW credit reporting practices and method, to insure they truly comply with the Fair credit reporting act and reasonable, truthful credit reporting practices, they are the only beneficiary of these leases but they choose to damage my credit when it was their sales person that earned a commission and they were able to lease a car by misrepresenting that I was a co-signer only responsible if the car is stolen, damaged, or repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XXXX XXXX 2017 Coinbase enables BitcoinCash trading. The price of the coin was moving up before the announcement. 4 days prior to that Coinbase listed a road map that stated Bitcoin Cash would be available for withdraw only. I was not able to sell my Coins because Coinbase did not enable me or other Customers. The site was down and it is still down. There was no prior notice of this action. The price rose as high as {$9000.00} before crashing to {$3200.00}. But prior to this the price moved up before they even announced it. I feel many users n this exchange have been defrauded by the actions of Coinbase. They have listed a policy of employees trading but there is more substantial evidence that Coinbase is acting to mislead its customers. I want to know why they listed this at a minutes notice. I want to know why it was being promoted heavily and even XXXX XXXX  calling Bitcoin Cash Bitcoin. I also feel listing 2 similar names to be confusing to some. Coinbase has not answered any question of this and I feel they coordinated to collide with others at the expense of their customers. I feel Coinbase is using deceptive practices. I feel Coinbase is using predatory actions and not being truthful with their customers

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Global Credit & Collection Corporation
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Global Credit & Collections are in Violation of the FCRA and FDCPA sending me collection Notice and attemps to collect on a Previous Fraud account from XXXX  XXXX # XXXX in which XXXX Bank was put on Notice of the Fraud Dispute and # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
They closed my credit card account DURING A PANDEMIC. I had wrote them telling them I was experiencing financial hardship ( my unemployment didnt come in for MONTHS from their backlog in new accounts everywhere ) and they basically said too bad and they couldnt do anything then they give me pandemic assistance and allow me to skip payments for 6 months but keep my account closed. I missed only two XXXX  payments. This was XX/XX/2020 I tried to initially talk to them and STILL they wont reopen it. Its so embarrassing to have that on my credit report for TWO missed payment. Come one.

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 2019-09-22
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
On XX/XX/2019, I opened XXXX XXXX XXXX XXXX ( ending XXXX ). This card had a XXXX XXXX XXXX XXXX Welcome offer. I met the minimum spend required to receive this bonus. The first statement closed on XX/XX/2019, I earned XXXX points. The second statement closed on XX/XX/2019, I earned XXXX. It has been more than 90 days since I opened this account and none of the points earned were transferred to my XXXX Account. American Express is holding my points hostage, they didn't even transfer the spending points ; base points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: BARCLAYS BANK DELAWARE
State: CA
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:
The following charges were reported as never being authorized to the credit card company multiple times starting XX/XX/XXXX and were not made by me or my wife. Despite multiple correspondence and phone calls, and with multiple instructions to stop allowing the charges, the company never stopped the charges and never took the fraudulent charges off of my account. 

Transaction Date Description Category Amount XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX   DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX   DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX   DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT 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 2019-06-06
Company: Experian Information Solutions 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:
AFTER REVIEWING MY CREDIT REPORT I HAVE NOTICED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW SOMEONE COULD GET INTO MY CREDIT AND DO SUCH DAMAGE BUT PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2017-12-20
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hi I received explicit email from Best Buy Citi Bank credit card on XX/XX/XXXX offering me {XXXX0} in gift card if I spent over {XXXX} or more at the Best Buy store. I spent {XXXX} and waited paintely to receive the bonus offer. But I never did. I called in XX/XX/XXXX and was told it can take little more time. Finally called back today and was on phone with XXXX at XXXX XXXX and credit card to get to my {XXXX} gift card but no one knew what i was referring too. I offered over 5 different associates that I can forward the email I had received for This offer but no one listened. 
I finally decided to close my card but never actually wanted to close it if my initial issue was resolved. The closing department never read me the required disclosure to close my card. In fact when I called back supervisor XXXX confirmed too that I was going to call back later to close the card after I speak to rewards department. No where during our conversation I said YES I accept to close this card. No disclosures by law were to me and nor acknowledged either. Best Buy - Citi Bank handled this issue very poorly. 
When I called back few minutes later they denied to reopen the account stating they heard the call that I asked for Card to be closed. I politely begged to escalate the issue but no results. Most calls were to overseas employees which were in different in handling simple issue.

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 monetary relief
Consumer complaint received 2023-11-03
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a check book and a book from Td bank stating Ive opened an account and also open a checking account. I did not i dont bank with TD bank at all i dont know how has my information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2022-11-08
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX accounts 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. 
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Experian Information Solutions 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:
DEAR SIR/MADAAM, I am contacting you about the compromising of my social security number. I am a victim of fraudulent information. I am writing to request that you block the following unauthorized information come to take place. I pulled my credit report and there are accounts on my credit report that are not mine and are UNATHAURIZED. I am filing a police report in Georgia and I filed a complaint with the Federal Trade Commission which is attached. Please block and remove all information from my credit report, and send an updated copy of my credit report. The following items does not belong to me and is a result of fraud that I did not authorize. 

Account XXXX, Account 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 2021-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am trying to send money between my Capital One Account and my XXXX account. 

Capital one app says that my phone number is " Unable to Verify '' so I called the bank and they couldn't do ANYTHING about it. 

I called XXXX and they couldn't do ANYTHING about it. 


Just fix my XXXX account so I can transfer money!!!!!!!!!!!!! This is insane that you all partner with a company that is meant to make life " easier '' and I have been on the phone with XXXX, CAP ONE, & XXXX for the past 90 minutes trying to figure out how to access my funds because one of your XX/XX/XXXXcall center employees reshipped my debit card which was slated to be delivered tomorrow and NOW i have to wait til XX/XX/XXXX instead. Utter XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 moved to XXXXXXXX XXXX XXXXXXXX Tx, Because of a bad family situation. My personal items have not been sent to me. My dl /sscard /Id were all misplaced. I have not been able to get new replacements yet. I pulled my credit report and i found alot of information that does not belong to me. I never authorized these accounts .There is incorrect addresses, medical sccounts, utility accounts andmore XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXXr acct # XXXX XXXX XXXX ACCT # 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