BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: IL
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:
yes i was told by my bankruptcy attorneys not tp make one payment in XXXX and ir would be part of bankruptcy  case so it should not have to dp with ypuse you should have been current with me when you took over account in XXXX not looking foe late payment in XXXX which was part of bankruptxy and should be reflected in XXXX  records not yours to be brought up in XXXX and should be marked differant then they are by way your reporting it it should be 4 reports of 30 days late not 30 30 80 80 90 the way your reporting it on one credit report and 30 30 60 90 120 on another one get your facts straight and report that

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: MA
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:
Good Afternoon and happy Friday! Listen, i was really shocked and extremely surprised today when i refresh my credit report and noticed that my auto loan from XXXX continues to report incomplete and unverifiable information for the past year or more. Specifically, i noticed that they are reporting an incorrect, erroneous balance of {$16000.00}, where my correct and legal balance is {$15000.00}. Also, i noticed that they market me late on XXXX and XXXX of 2019 for 30 days, however, i had signed an agreement that those months were deferred and put on the back of the loan and make the terms longer. There are so many incorrect and inconsistencies with the way this auto loan is reporting and it's a violation towards my consumer right and i honestly don't want to waste anyone 's time going back and forth. I would rather either this account made current removing all the late remarks or simply remove this entire tradeline from 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 2020-09-18
Company: EQUIFAX, INC.
State: MA
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:
Good Afternoon and happy Friday! Listen, i was really shocked and extremely surprised today when i refresh my credit report and noticed that my auto loan from XXXX continues to report incomplete and unverifiable information for the past year or more. Specifically, i noticed that they are reporting an incorrect, erroneous balance of {$16000.00}, where my correct and legal balance is {$15000.00}. Also, i noticed that they market me late on XXXX and XXXX of 2019 for 30 days, however, i had signed an agreement that those months were deferred and put on the back of the loan and make the terms longer. There are so many incorrect and inconsistencies with the way this auto loan is reporting and it's a violation towards my consumer right and i honestly don't want to waste anyone 's time going back and forth. I would rather either this account made current removing all the late remarks or simply remove this entire tradeline from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Good Afternoon and happy Friday! Listen, i was really shocked and extremely surprised today when i refresh my credit report and noticed that my auto loan from XXXX continues to report incomplete and unverifiable information for the past year or more. Specifically, i noticed that they are reporting an incorrect, erroneous balance of {$16000.00}, where my correct and legal balance is {$15000.00}. Also, i noticed that they market me late on XXXX and XXXX of 2019 for 30 days, however, i had signed an agreement that those months were deferred and put on the back of the loan and make the terms longer. There are so many incorrect and inconsistencies with the way this auto loan is reporting and it's a violation towards my consumer right and i honestly don't want to waste anyone 's time going back and forth. I would rather either this account made current removing all the late remarks or simply remove this entire tradeline from 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 2020-09-18
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

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

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 2023-10-17
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting 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 consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 state a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crime 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: IL
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:
Hello. I did not give consent to the credit bureaus ( XXXX, XXXX and Experian ) to add my bankruptcy to my credit report. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  states that they do not report to the credit bureaus. Can you please verify how this information was added? Thank you.

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 2020-10-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello my name is XXXX XXXX, I usted have a mortgage loan with Carrington mortgage, and they reported that I missed a payment in the month of XX/XX/2020 when I was in forbidden do to the coronavirus ... I call several times and they have everything in records but they have not sent anything to the credit board ... I don't understand why this company can do something like this and know about it and don't have any intention to fix the issue, is all in records. 
In my opinion this is retaliation because I refinance with a different bank. 
Is not acceptable ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV
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'm XXXX XXXX, and I need your assistance in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
There are multiple unauthorized transfers ( total more than XXXX XXXX ) made by a paypal account from my saving account in XXXX XXXX, those transaction went through without any authorization or approval from me, I contact paypal and they refuse to recover my loss or provide contact info about the merchant, which is totally unacceptable : XXXX XXXX, XXXX RETURNED ITEM FEE FOR AN UNPAID {$980.00} ITEM - DETAILS : PAYPAL XXXX XXXX WEB ID : XXXX XXXX XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$990.00} {$380.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$990.00} {$1300.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$970.00} {$2300.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$930.00} {$3300.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$760.00} {$4200.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$640.00} {$5000.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$560.00} {$5600.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$500.00} {$6200.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$420.00} {$6700.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$350.00} {$7100.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$270.00} {$7500.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: BlockFi Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have a investor wallet with Blockfi, which is supposed to be in cold storage. The wallets are in my name and not to be used to satisfy secured creditors in case if bankruptcy comes. Also, I can not widraw my funds at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Bread Financial Holdings, Inc.
State: IN
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:
This number keeps calling about a family member that does not even live with me. After repeatedly telling them they do not live with me, they continue to call and call all of my other relatives. It is predatory and must stop!!! They are calling on some made up charge for the wrong person even.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Halsted Financial Services, LLC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have received NUMEROUS calls from XXXX. This number claims to be XXXX XXXX XXXX. When you call the number, it is Halstead Financial ... a debt collector. They are falsifying who they are. Every debt that I have, I have acknowledged and just can not afford to pay anything right now. I do not want to be contacted by anyone under false notifications. They call ALL the time and I have not received anything in the mail from them. They never mail anything to me regarding their intent or stating they use a fake caller ID. I have pets, when this number and caller ID show up I think it is an urgent matter about one of them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These calls are VERY disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I requested {$260.00} currency from Coinbase. The money was put into a vault that can only be withdrawn by validating two emails sent to two different accounts. The system has a flaw because it is impossible to verify the second email, which is documented on different websites from different customers with the same problem. Every day I go through the same process trying to retrieve my money, the primary email works ( XXXX ), the secondary ( XXXX  ) gives you the message " You have already performed this action. '' Turns out this problem have been going on since XXXX. In a time of the virus, I have no money to be sitting around with this company. To make things worse the customer service does not exist, they send emails that they are looking into the problem, but no very well what the problem is, they are stalling and just holding on to peoples money. It is now XXXX Please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, TransUnion, and XXXX and have noted following discrepancies : XXXX XXXX  Date open : XX/XX/2022 {$1400.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$970.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$510.00} 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 2020-06-02
Company: EQUIFAX, INC.
State: IL
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/fraud. I have notified the collection agencies/ original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. XXXX  XXXX XXXX {$2500.00}, XXXX {$4600.00}, XXXX XXXX {$4600.00}, and XXXX XXXX {$280.00}. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
US Bank ReliaCard was issued to me to deposit my weekly XXXX payments from Pennsylvania. I would do bank transfers as needed. The last bank transfer I attempted was for {$2000.00} on XX/XX/2020. My ReliaCard account indicated it was indeed transferred to my bank account. On XX/XX/XXXX, the funds were still not available in my bank account, nor was I able to attempt another transfer, and the only thing I could do with my account was see my balance. It appeared my account was frozen. I contacted customer service at ReliaCard, and the customer service rep answered the phone by asking if I was unable to use my card. I said yes. He gave me a 10-digit ID number and a fax number and said to fax a copy of my driver 's license to this number with the 10-digit ID number on the same page as my license. I did so immediately after the call. 
A little over a week later I still had no use of my card and noticed the ReliaCard website had a document upload area, so on XX/XX/XXXX I once again uploaded my ID and 10-digit number and received the confirmation # XXXX after submission. 
XX/XX/XXXX, I still had no access to my funds so I once again called ReliaCard customer service and the woman I spoke to said there was a note attached to my account that stated my previously sent fax was too blurry and could not be read. She said the reason ReliaCard was doing this was to prove identity because there is so much fraud going on. She asked me to re-send it to a different fax number and to enlarge my ID by 200 %, lighten it and copy in black and white. I did this and it has been 24 hours and still no access to my card. 
How many times do I need to send my ID, and if they can't read it, then why can't they contact me and get it straightened out?

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 2023-05-25
Company: DISCOVER BANK
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
I went over my limit months ago, my monthly payment since going over my limit has been XXXX something dollars every month since. Until my XXXX billing statement. My minimum monthly payment went from XXXX something dollars to over XXXX something dollars, which almost double my monthly payment. For the XXXX billing month I continue to pay my XXXX something dollars monthly payment, and since I didn't pay the XXXX something payment, the charged me a late fee. I called and asked why was I being charged a late fee, I was told as long as if I continue to pay my previous minimum payment and not the increase monthly payment of over a XXXX dollars I will be charge a late fee

Company response to consumer: Closed with explanation