BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: TN
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 XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC Section 604 A 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 explanation
Consumer complaint received 2020-10-27
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent I C Systems a debt validation letter on XX/XX/XXXX requesting that they send validation to me, they received the letter in XX/XX/2020 and to date did not respond. this collection account was on my credit report under a different collection agency before who I disputed and was able to get it removed from my credit reports, that previous collection agency had my current address because I was communicating with them and got the account removed, in XXXX I see I C Systems reporting the SAME DEBT TO MY CREDIT REPORT. I did not get a notice of the debt in the mail and i know they have my current address because they bought the debt from the previous collection agency and that agency would have given them all information they had to verify me AND the debt and for them to communicate with me, but I C Systems failed to do that. I sent them a debt validation letter, remind you I had to get their address from the listing on my credit reports NOT from them which is a shame, its been a month since they received my letter and to date I still have no response, no validation absolutely NOTHING! I cant even go on their website to see the account information because I dont have the full account number which I would have to get from them, I shouldnt have to call them, they are a debt collector they arent on my side and will try to tie me to a debt they dont even know I owe and neither do I. I want this account removed from both my XXXX  and XXXX  credit reports immediately

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 2018-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
There is no way I can pay this bill off when every time I make a payment they turn around and charge outrageous interest charges. My bill payment fluctuates from month to month, so I never know what I will have to pay until I get notice through my statement. I have never missed a payment and it's a complete struggle to make these payments and never get ahead, There have even been times when I've made the requested payment and then, after receiving my payment they will charge so much interest that it takes my account over the limit. Outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: AZ
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 written Equifax in XXXX, XXXX, and now XX/XX/2022. The collection agency XXXX XXXX XXXX XXXX, account XXXX and XXXX failed twice to communicate and validate the debt with me according to my rights under the Fair Credit Reporting Act. I've requested these collection accounts be investigated and removed. All I get back from Equifax is " the account has been verified ''. They and XXXX XXXX XXXX XXXX have not provided me any proof or validation as requested 3 separate times and it continues to show on my consumer report. Again the collection agency fails to provide validation or communication as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Various accounts on my report are fraudulent. These accounts listed were not opened by me. 
1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX Account Number : XXXX  This is not mine. 

15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

19. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

20. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

21. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

22. Identity Theft XXXX Account Number : XXXX This is not mine. 

23. Identity Theft XXXX Account Number : XXXX This is not mine. 

24. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

25. Identity XXXX XXXX XXXX XXXX Account Number : XXXX  This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received at least half a dozen letters and phone calls trying to collect on a supposed debt to XXXX. I currently have an account with XXXX but it is in good standing. I called to confirm this with XXXX. The collection company XXXX XXXX XXXX XXXX says it is an older debt from a couple of years ago but I haven't had an account with XXXX since the XXXX 's, which was also in good standing when it was shutdown. 

I have repeatedly told Convergent that I do not owe the debt to XXXX, XXXX has confirmed to me that I do not owe them a debt. I've told Convergent this as well. I told them to stop contacting me and they should verify the debt with XXXX and they have refused to do both.

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 2023-04-26
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Being charged overdraft fees or extra fees using other atm fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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.

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 2021-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Capital auto account is no obligation of mines 15 usc 1692b. I did not open this account FTC file. Creditor keep reporting the information is accurate with of complete a full investigation, 15 use 1681 ( A ) ( E ) - you have to do an interview with my family associated and neighbors and this was not done this account is also in violation of 15 usc 1681b, 15 usc 1692f, 15 usc 1692e, 15 usc 1692d, 15 usc 1692j

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
My mother XXXX XXXX has suffered from visual impairment for the better of 5 years, and has place me as an authorized user on her discover account to manage the billing. As this is the best form of contact and being able to make payments we requested paperless billing my number XXXX was placed on the account to be contacted should there be any issue regarding the account and I have received these calls from discovery until after XX/XX/2020. I recently was notified of a past due amount was placed on my credit from my credit monitoring service and when I contacted discover about this and ask why I was not contacted I was told by a representative that we were placed on a " No contact '' list resulting in not being notified of any past due amounts. My mother asked in XX/XX/2020 that her number XXXX was not contacted and to contact the other number listed on the account, but for some reason the representative placed both numbers to not be contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/XXXX : Received notification that a XXXX XXXX/XXXX XXXX application was being processed using my personal information. I disputed the credit card application with XXXX, XXXX, and XXXX. All three confirmed that a 'fraud alert ' would be placed on this credit application. I advised the bureaus that I have a credit freeze with all three, XXXX, XXXX, and XXXX. I do not understand how XXXX XXXX/XXXX XXXX can process a new credit application with 'credit freezes ' since XX/XX/XXXX. I confirmed with XXXX and XXXX that they could see the credit freezes ; the latter advised that I would need to call XXXX  and XXXX  directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
Unauthorized inquires on my credit report Inquiries XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/2XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/2XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of 2016, I did open a XXXX XXXX account. The account had an outstanding balance as if defaulted due to life circumstances. I negotiated a pay to delete with the creditor and it is still reporting negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: CARD Corporation
State: KS
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 had a deposit come in in my fiance 's name so they closed my account saying they was returning the money to the originating bank they needed a letter of indemnity first which the other bank sent and they told them their was no funds to be refunded their is XXXX dollars to be returned ... When I called they said they sent them to the wrong email which is the email they told me to tell them to send them ... They are just giving me the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: CITIBANK, N.A.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In the entire amount being disputed, or I should say attempting to resolve, I was not notified during the dispute process (especially toward the end) that the account was being charged off and placed back into Citi Recovery on behalf of XXXX XXXX XXXX XXXX. Because the account balance was being handled by several different entities, the total account balance was in dispute by me, the card issuer, the debt collector(s), and the account servicer.  As a result, communication was unclear and I was charged significantly more than I should have been. Even though the account balance was inevitably sent to collections (and truthfully, this was the best outcome because it finally established a firm account balance), it was done so without proper notification that any dispute processes were closed. As a result, any correspondence undertaken by other entities was mis-timed and did not result in clear communication explaining any given entity's intended course of action.  Above all, the card issuer did not act in good faith toward seeking a resolution that prevented the consumer from incurring negative credit reporting.

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 2023-08-23
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed around XX/XX/23 with a balance of around XXXX XXXXXXXX and I have yet to receive my balance. I was told I would be getting a cashier check after my account is officially closed but no one has helped. 
XXXX XXXX XXXX : XXXX Account : XXXX Bank : US Bank

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 2018-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Checked my XXXX XXXX and looked at my hard inquiries and saw one from XXXX XXXX/XXXX that happened on XX/XX/2018 and i never applied for anything or did anything with my credit so i think someone might be trying to use my SS number

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 2021-01-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX account on my credit report shows my old account was closed after a settlement, I did not do any settlement. I paid in full when I closed my account. 
I sent Experian the letter from XXXX, where its says this account will be considered paid in full I paid a total of {$160.00} on XXXX XX/XX/2021 I spoke with XXXX at XXXX recovery department ( her team number is XXXX ) on XXXX XX/XX/2021 XXXX from XXXX customer service documented on my account ********** I also called Experian several times, sent them all the documents they need, they are still putting account was closed in a settlement which is not correct. 
Please help me to remove this from my credit report. 
I hope you understand. 
Thank you. 
Sincerely ~ 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 2018-02-28
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Case # XXXX I asked to disable my GDAX ( Coinbase ) access because I was robbed of my phone. I requested via email to reactivate my account on XX/XX/2018. They sent me system generated email without a ETA. 
I called via phone on XX/XX/2018. It took me an hour to reach the customer representative. She sent me an email asking me a few questions and told me a specialist would work on it. Again, an ETA is not given. I responded right after I received the email. 
Until now ( XX/XX/2018 ), I have not heard back from GDAX. And I have {$5000.00} on my account that I'm not able to access or cash out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
See the attached documents.

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 2021-02-12
Company: ID Analytics, Inc.
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 contacted XXXX  a few times about the fraudulent XXXX Account. This is NOT MY ACCOUNT, and I had nothing to do with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
1. Received an email that my score has dropped XXXX points today XX/XX/2021 2. Called Experian and spoke to their membership department they could not help me and was tolled that the hard inquire did it. 
3. I Asked to speak to a supervisor and still same result and was tolled to call FICO 4. Called FICO and was tolled that they only monitor there customer credit and that they have nothing to do with score 5. Called back Experian and requested to speak to there Dispute department and was around 25 minutes in talk and nothing can be done they asked for my phone number and was tolled that they will get back to me and that nothing they can do for me.

6. Before hanging up I ask to accept a complaint in reference the XXXX point drop and to give me a reason or explanation to why my score dropped XXXX points they will not and refused to take a complaint or investigate. 
7. Need of your help 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 2021-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This account was settled in full. It still shows I owe a {$4000.00} balance. I am attaching my letter from XXXX XXXX to validate i owe nothing further on this account. I want this rectified immediately

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