BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: EQUIFAX, 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:
I have tried to get the XXXX XXXX  XXXX  collection account removed from my credit report on Equifax, XXXX, and XXXX. XXXX XXXX and XXXX never sent me documentation for years letting me know that I had an account that was getting escalated to collections. I also never received any itemized document showing what exactly these charges are so that I can make sure they arent fraudulent. I have attempted to contact these parties and they have not sent in any proof showing why the other person on the lease or I owe anything. The only things they have sent are statements from a different apartment complex that they are running a collection for- but that is not THIS account. Equifax and XXXX BOTH removed the XXXX  collection from my credit report and the other person on the lease- but somehow the charges reappeared on ONLY my credit ( and not on the JOINT persons ) and its a whole new amount that they are charging!? This is fraudulent activity and Equifax, XXXX, and XXXX need to do their due diligence with their investigation. If XXXX XXXX  can not produce pictures from our move out date from XXXX  XXXX  ( which was back in 2021 ), provide an itemized statement showing why we owe this money, and have documentation or some way to show they contacted us to make us aware of these charges/photos/itemized charges. I want this collection off of my credit report due to inaccurate information. How would you know you are accurately reporting a total of charges when you dont know what each charge is for?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Experian Information Solutions Inc.
State: MA
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 Report Act XXXX Account : XXXX from 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 an account without my written instructions. 
This account reported on my credit report is a fraudulent 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 2022-10-19
Company: Experian Information Solutions Inc.
State: TN
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:
Personal Statement : I the consumer XXXX XXXX XXXX have took it upon myself to grow my small business into a larger scale operation with corporate entities and to do so I must have respectable credit. In lue of my findings I have noticed two accounts that have been fradulent. I request in a timely manner this be released from my consumer credit report for it has become a great harm to my asperations of growing into the corporate business my family and I deserve. 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 2022-01-18
Company: ACIMA CREDIT, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SOMEONE HAS OBTAIN CREDIT UNDER MY NAME AND SOCIAL COMPANY NAME IS ACIMA CREDIT ACIMA CREDIT WAS OPEN IN MY NAME ON XXXX I/A/O {$10000.00} ACCOUNT # XXXX ACCOUNT TYPE-LEASE MONTHLY XXXX {$900.00} BALANCE XXXX TERM IS 12 MONTHS PHONE : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Universal Account Servicing, LLC
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I joined a course called XXXX XXXX XXXXXXXX ( XXXX ) back in late XXXX of this year. Around XX/XX/XXXX. It was going great until the CEO of XXXX claimed bankruptcy. I was provided services for about half of my promised term, which was supposed to be 6 months. I only received about 4. I filed a claim on XX/XX/XXXX to cancel my loan with Universal account service because the initial company ( XXXX ) that made me go through this 3rd party, has claimed bankruptcy ( Around XX/XX/XXXX ). They were not able to provide me with the full terms of service, which has made me decide to stop paying off the loan. I payed 4 months ( From beginning of XXXX beginning of XX/XX/XXXX ) worth of payments of {$210.00} for a total of {$870.00}. I currently have a remaining balance of {$9900.00}. When it comes to actions taken by me, I call UAS about 2 times a week to get an update, and am responded with nothing but rude answers. I've talked to XXXX XXXX, XXXX, and the worst one of them all XXXX XXXX They continue to say, '' We are waiting for the merchant to respond '' or " We are in merchant review '' " You're just going to have to play the waiting game. '' But the merchant ( XXXX ) has gone bankrupt. Are they every going to get back to them? I'm assuming they're not. I have gone back to the website where I signed documents for XXXX and yet, there is nothing to be found. It's hurting my credit because it is considered a late fee. I would love to have the loan canceled and my credit saved.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
We had an annual fee charged on a capital one credit card that we never use. We were not notified of the balance. There was no calls or mail. When we called capital one they refused to help. We paid the balance in full including late fees. When I asked customer service if anything was sent to us he said there were emails sent. We have no record of that. We have an outstanding payment history and feel this should be removed due to lack of communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owed XXXX XXXX. XXXX dollars and planned to pay off the debt. I suffered XXXX XXXX XXXX  and during the Covid-19 pandemic. I was not able to remain employed as a XXXX of which I had been gainfully employed in since the early XXXX until around XXXX. I have since lived off of about XXXX a month. Of that amount, my mortgage alone takes up almost half of. I explained to Midland Credit that I would like to pay them a lesser amount and they said that it would be impossible for that. So now they want me to pay XXXX as a one time payment, or XXXX dollars over 24 months, or lastly, XXXX for 27 years. I feel that I have no other choice but to file bankruptcy because I know that poverty begets poverty and negativity. Thank you, with kind regards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
Credit Bureau Dispute Resoluti XXXX XXXX XXXX XXXX XXXX, IA XXXX Has held a debt on my account for over 8 years that disputed. They would harrass leave negative messages with employers over a credit card that was used as fraud that I canceled on wells fargo years ago. I refused to call because its best to receive writing. In 8 years I have never received writing/proof and when I did my background check/ credit check none of this was in my way 7 years ago. I asked for proof and received nothing.

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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Account # 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 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 2022-01-22
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone was able to access my bank account and take out close to {$10000.00}. All Im getting from the bank is the runaround and they do not seem like theyre going to do anything in reference to returning my money back to my account. From what Ive learned so far someone walked into a branch and was able to get {$4700.00} and then immediately come back into the same branch and take out {$4900.00}. I dont know what kind of proof they would have shown to take money directly out of my account via going into a bank branch. When I only want to take out a couple of hundred dollars I have to show to pieces of identification. I keep talking to different people in different jobs at the bank and Ive been lied to about the process and they still act as if this is not a hardship to me. They have closed out an account that Ive had for years and with this new account Im not able to use my brand new checks that I paid {$200.00} for because now that account is closed I had a lot of merchants that I do auto pay with I had to try and contact everyone to straighten all this out it has really been a mess. But my biggest concern is retrieving my money and holding the bank accountable. I dont know how something like this can happen its not like it was done online someone came in to the bank to take this money. At this point Im not sure that the teller these people went to was not in on this fraud. Please help me if you can This financial institution is Wells Fargo Thank you, 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 monetary relief
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: IN
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:
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: LEXISNEXIS
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:
Dear LEXIS-NEXIS, I am writing to dispute the information being reported by your company regarding my bankruptcy. I believe that you are in violation of the Fair Credit Reporting Act ( FCRA ) by selling, transferring, and reporting inaccurate information to the credit bureaus. 

As per the FCRA 15 USC 1681, a credit reporting agency can be sued for negligent or willful compliance with the law within two years after discovering harmful behavior, or within five years if the harmful behavior occurred. It also stipulates that only data furnishers are authorized to provide information to credit bureaus. Banks, credit unions, retail credit, car issuers, auto lenders, mortgage brokers, debt collectors, and other voluntary send information to credit bureaus.

Furthermore, I have some questions regarding how your company obtained the information regarding my bankruptcy from the United States Bankruptcy Court. Did the court sell or transfer this information to your company, or did your company obtain it through some other means? Is the United States Bankruptcy Court a credit reporting agency, and do they have the authorization to provide information to credit bureaus? 

Therefore, I request the following information to support your Metro 2 compliance for consumer and commercial credit reporting : A copy of your written policies and procedures for Metro 2 compliance in consumer and commercial credit reporting. 
Information on how your company obtains and verifies the accuracy of consumer and commercial credit information, and how it ensures that information is reported in accordance with Metro 2 guidelines.

Details on any training or education provided to your employees regarding Metro 2 compliance in consumer and commercial credit reporting. 
Information on the systems and technology used by your company to report consumer and commercial credit information in Metro 2 format. 
Details on whether your company has undergone any audits or assessments of its Metro 2 compliance practices, and if so, request copies of the reports or findings. 
I also request information showing a contract you signed to become a data furnisher, including the data furnisher agreement. Additionally, I would like to know how you were able to convert to Metro 2 format and become Metro 2 compliant. 

I dispute the information being reported by your company and request that it be removed from my consumer report immediately. If this information is not removed, I will be forced to take legal action. 

Attached information : XXXX XXXXXXXX XXXX  XXXX bankruptcy, address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, last four social XXXX, date of birth XX/XX/1978. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sold the crypto currency LTC on Coinbase on XX/XX/XXXX. They sent me a notification that the money would be in my checking account on XX/XX/XXXX. It is now XX/XX/XXXX and I have not received any payment. Reference code XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-22
Company: Foris DAX, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I started a dispute with my crypto.com card company on XX/XX/2021, and they ard still not telling me amything other than when they have an update it will know, but I've been trying to get an answer to my question I don't necessarily need or want am update ivd bern trying to find our way I wasnt given provisional credit as it states on this conpanys card holder agreement handbook that I recieved upon setting up and account with crypto crypto.com that I should BS provisionally credits XXXX businsss dAys after dispute is made and they have XXXX extra days in certain situations to add provisional credit to an account in the case that they nees more time or decide to investigate fire her taking longer.i have not Ben offered, given, or even answered about provisional credit in any shape or form by company and at this point I feel Ignored and that they don't cars about my situation degrading this card and I feel very mistreated and disrespected they sont understand that I havd been stolen from and im already upset angry an broke and that they are the ones the only ones that can help me clear up the situation I cant do it myself I cant ask then inveTigTion team a question or i would do it myself and they just keep giving me. Ridiculous response that in no way even almost answers my question but it been well past the 10 or even 15 business days timeframe please help me even if to only get a response that would ease my anxiety a littke I just wanted my money back and to know what happend that would help tremendously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX debt collection efforts have submitted false or deceptive affidavits to state and local courts, in order to fraudulently obtain default judgments against consumer for phantom debts, or debts for which XXXX lack sufficient evidence to properly obtain default judgments. 

In so doing, XXXX violated the FDCPA, the Racketeer Influenced and Corrupt Organizations Act ( RICO ), New York General Business Law 349 ( GBL 349 ), and were unjustly enriched. 

In further, my accounts are business credit card accounts.. Not personal debt. Where does it end. In attempting to file several disputes with the NCRAs, with no clear response or closure, they have resorted to " temporarily suspend '' my online accounts. Smells like retaliation to me.. 

I am now demanding that the NCRAs reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. They have no way to ascertain the legitimacy of my action without investigating the items in question. Not thru an automated response unit with coding & algorithms. 

How low can you go. Obviously I am onto something they don't like. 

Thankfully the CFPB was created in 2008. 

Thank you for your time and consideration to this on going XXXX Consumer problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: TX
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
My personal information was exposed on line around XXXX XXXX XXXX. there was multiple fraudulent accounts. that was opened or attempted to be open. after filing police reports and identity theft reports. i was able to clear most of the fraudulent accounts up. form the consumer reporting agencies. but trans union llc XXXX XXXX is refusing to remove XXXX of the hard inquires that was unauthorized and fraudulent. with many attempts to clear this up. they are still refusing.

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