BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX continues to report fraudulent debts in my name. A XXXX and XXXX XXXX accounts were fraudulently opened in my name without my consent and used fraudulently. The police report documentation was sent to XXXX debt collectors back in XX/XX/XXXX and they continued to report the debt anyways. I am requesting the credit reporting to be deleted immediately from all major credit bureaus. And notify the debt collectors to remove any credit reporting to the credit bureaus immediately. 

The XXXX police department file for this was filed back in XX/XX/XXXX. Police report - # XXXX, additionally a IDTHEFT report was filed XXXX these documents These records have continued to be reported and have continuously violated my rights and are major violations for reporting these debts anyways to the credit bureaus under the FCRA and FDCPA. As Section 623 states under the FCRA the data furnisher is fully responsible to gather all relevant information before reporting any debt of a consumer. This was never done. I have contacted the police department and XXXX XXXX XXXX stated no creditor or debt collector has requested the police reports from their police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a dispute requesting outdated adverse information be removed from my credit report. According to the FCRA section 605 [ 15 USC 1681c ] subsection ( a ) paragraph 4 the information should be removed. I attempted to have the information removed by fax on XXXX/XXXX/2017, by mail XXXX/XXXX/2017, and finally by phone with XXXX on XXXX/XXXX/17. The information was updated and not removed on the first two attempts. I have not received a response from the last attempt and the 30 day processing time has expired.
I also requested the method of verification used each time and I did n't receive the information on any of the above occasions. They have violated my rights.
I provided them with a detailed letter indicating my request and the section of FCRA that applied to my situation. I also included : a copy of my state issued identification card, credit report, email communication sent from the company, and my payment history. They ignored all of the supporting documents and continued to report the adverse information that is negatively affecting my credit rating.

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 2018-01-04
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
The father of my son is using our sons social as his own. Social security office had my sons incorrect information. My sons name is XXXX XXXX XXXX XXXX My sons fathers name is XXXX XXXX XXXX. The social security office had my sons name in its system reading XXXX XXXX XXXX, just like his father, without the XXXX, XXXX. So therefore my sons father has been using his identity to open bank accounts and is doing business under our sons social to avoid paying child support owed. He hasnt file taxes in 3 yrs as well.

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 2018-01-04
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I initiated a domestic Wire Transfer On XXXX XXXX, 2017 to XXXX/Coinbase in order to invest. The transfer was done from my husbands bank account to my Coinbase account for the amount of {$4000.00}. The transfer was rejected because of the name on both accounts did not match. They sent me an email saying they wire transfer will be reversed in 3-5 business days. It has been almost 2 months and the money is still not back in the account. Ive contacted them multiple times, and everytime I would get a hold of a customer service representative, they would disconnect the other line once they know what the issue is. Then someone would send me an email saying they have escalated the issue and someone is working to get it resolved and still nothing happened. A few days ago, I received an email saying that the issue has been resolved, but the money is still not in the bank account. 

I feel like there is fraud involved. The money was supposed to be invested on XX/XX/XXXX, but they held the money for almost 2 months and Ive lost a potential return on that. 

This company needs to be held accountable for the carelessness in handeling this case. The money must be returned ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: CA
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:
On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the permission to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I deem what is private to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
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:
All of these accounts which I listed in Identity Theft nave never belong to me. Some of them paid good, but I never got these card and never used. Some one used my personal information like ssn and applied for these accounts. I don't want these card are being on my credit report. Please close these accounts and remove from credit report because this is fraud.

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 2017-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
This loan is on a forbearance plan for the months indicated for late Never been late, they put me on a FEMA plan forbearance. Then have been reporting me late for 7 months straight. I 've given the credit reporting the forbearance plan the lender has not cleared this for the 7th month in a row. Called again today XX/XX/XXXX could take another 60 days. They can expedite this is their error we have to pay for there error. I can not apply for credit with this on my report and I have business that needs to be done Please include all recordings as proof with select portfolio servicing

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 2019-09-26
Company: Diversified Consultants, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have done this before in regards to XXXX XXXX with a number of agencies. They continue to list it with agencies who call and report this to my credit. I will not continue to jump through hoops to prove dispute. This last agency Diversified Consultants continued to attempt to get payment out of me after telling them this was fraud/dispute, when i asked for a manager, he told me that it was essentially my fault that this is ongoing, after asking for compliance department was told basically not in their hands and would need to handle this with dish. This needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: SUNTRUST BANKS, INC.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2019 - Was removed from electronic statement without any notification and charged {$3.00} for a paper statement. No notice was given. This must be some change due to the XXXX XXXX XXXX buying the bank, but customers are getting screwed by the bank. 

XX/XX/2019 Contacted company in writing to notify of unauthorized ( FRAUD ) charge on my business checking account. 

No one has responded and no credit was given within 10 days as required by law.

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 2019-03-01
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have emailed Navient many times throughout the life of my loan which started in 2011. I have paid way too much interest over the life of this loan. I can not restructure my loan, I can not pay down the principal. I'm asking for someone to look at the structure of this loan. I want to pay this loan back FAIRLY. I have already paid {$25000.00} in interest since 2011. 

I still owe $ XXXX. The original balance was $ XXXX. This does not make sense to me. 

Please help me understand this loan structure. I'm hoping someone will call me to provide me guidance. 

thank you, XXXX XXXX XXXX I will upload my loan summary so you can see the details. See page 2 of 3 please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: NJ
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:
There are some accounts on my credit reports that I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2018-01-06
Company: ALLY FINANCIAL 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:
OnXX/XX/XXXX My Older Brother was looking to purchase a new vehicle ( XXXX XXXX XXXX XXXX ) from XXXX XXXX XXXX and He decided to finance the vehicle. It was n't even 24 hours and He noticed the navigation of the vehicle was n't working and the right front bumper of the vehicle was already falling apart. So, He decided to return the vehicle the very next day because of this Issue And as of today XX/XX/XXXX I 'm still seeing XXXX XXXX XXXX on my Credit Report from Both XXXX and XXXX I Co joint with my brother to Finance the vehicle. I 'm seeing XXXX XXXX XXXX on my Credit Report and the Finance Companies that XXXX XXXX XXXX applied for me. XXXX XXXX is on of the Hard inquiries on my Credit Report. He did n't have the vehicle for more then 24 hours and It 's still on my credit report today XX/XX/XXXX. I hope this issue gets fixed. If you have any questions please do not hestiate to call me ( 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 2018-01-03
Company: Blackhawk Network Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello I sold my XXXX gift card that was worth XXXX dollars to XXXX. They offered XXXX for it and I accepted. 
I did this online XX/XX/XXXX. To date no word from them it just says pending. Its been 9 days of me waiting. So my gift card is useless now and they refuse to communicate with me. 
They have my bank account information too and now Im worried. They took that gift card and now Im ignored. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: General Motors Financial Company, Inc.
State: MA
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:
Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. My latest credit report shows credit inquiry/inquiries that I did not authorize nor do I have any knowledge of making these attempts XXXX XXXX XX/XX/19 & XX/XX/19 Americredit XX/XX/19 & XX/XX/19 XXXX XX/XX/19 & XX/XX/19 GM financial XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 & XX/XX/19 I writing to dispute the following inquiries and asking for their removal from my credit report. 




Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXXXXXX / XXXX / {$1500.00} XXXX XXXX XXXX XXXX / {$2200.00} XXXX XXXX XXXXXXXX / XXXX / {$0.00} XXXX XXXX/ XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2019-09-26
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was victim of Identity Theft, followed all of the proper procedures after learning of the the situation. I filed my Police and FTC Identity Theft Report. The error was resolved and removed from my credit report. I recently checked my Experian.com and noticed that Experian has added this account back onto my credit file, it is reporting 3 months late and damaging my score/file. I have a copy of my Police Report, this is the same report that Experian received, earlier in the year when I sent them all of my corroborating documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau.

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 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Social security numbers on my account and on my husband 's account at XXXX, XXXX, and TransUnion have the last four digits transposed. We were told this by XXXX XXXX, Finance Manager at XXXX XXXX in XXXX XXXX, SC XXXX on XX/XX/2021. We have ordered a car for next year and would like to purchase it. Thanks.

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