BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I recently learned that someone opened a savings and checking account in my name, along with a credit card. I only found out when I got an email from Square XXXX  congratulating me on my new account. A subsequent email indicated that my email address was being changed to another email address - and that I should contact them if I didn't make this request. I contacted them as soon as I saw the email to stop the account and report it as fraudulent. Square XXXX  never checked with the XXXX credit agencies, all of which have a freeze in place. I filed a police report, and then a complaint with the Better Business Bureau. The response from XXXX ( through XXXX  ) is that they can not talk to me directly ; they can only speak to law enforcement. This is insane. I have tried twice now to get them to explain to me what happened and they are refusing. Something is not right here and I need to find out what it is so it doesn't happen to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have submitted several disputes with the following credit reporting agencies Experian, XXXX and XXXX about the fraud I have found on my credit report. These following accounts are unauthorized and I would like them removed from my credit report. XXXX XXXX date opened-XX/XX/XXXX, balance- XXXX XXXXXXXX XXXX XXXX date opened-XX/XX/XXXX, balance- {$1100.00}. XXXX XXXX XXXX XXXX, date opened-XX/XX/XXXX, balance- {$0.00}. XXXX XXXX, date opened-XX/XX/XXXX, balance- {$970.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-23
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I've talked with these companys several times over the past 20 years and becouse I am a full time RVer I travel alot and these companys just dont understand this and now I am having issues trying to get my veterin services through va becouse apperently these conpanys say I dont exist well I do exist just becouse I've never had credit or I move around alot dont mean I'm not alive I am a person that likes to travel and becouse of this I'm discriminated against by these companys this is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I invested XXXX and had profits in there late XX/XX/2021. I went in to change my password and on XXXX I was locked out of my account and you Have NO ONE you can REACH or call and TALK to at the company! So frustrating. On XXXX I finally get an email I can back in and all the money is gone except XXXX!! There is a potential Class action law suit someone started from XXXX with many saying the same thing they are locked out and money is gone! 
Feel free to go to XXXX and Type in Coinbase Class Action law suit. Lots of allegations on this company. All I know I want my money back and profits and an explanation!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for 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

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Viewed credit report and it shows that XX/XX/2023 payment is not showing correctly. It shows 30 days late when that is inaccurate. Payment of {$500.00} was due XX/XX/2023. A payment is {$250.00} was paid on XX/XX/2023, at XXXX am confirmation number XXXX. Another payment of {$250.00} was made on XX/XX/2023, at XXXX am confirmation number XXXX. Called XXXX and spoke for a supervisor at XXXXXXXX XXXX, he verified that the payments were made correctly. A total of {$510.00} was made for the month of XXXX. Last response from Transunion they were going to update the payment history and it was not done. Per XXXX XXXX XXXX, it is reporting correctly.

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 2020-04-27
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
Wells Fargo is showing that 2 of my accounts with them as being closed. they are showing that these accounts are in Chapter XXXX and /or that they have been discharged. 

These accounts are not in Chapter XXXX and nor has any one of them has been discharged.. 

First they were showing these accounts as being delinquent, but they were never delinquent. The status of these accounts should show that they are open. 

This is my second attempt to get this corrected, but Wells Fargo is playing some sort of game with this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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: Problem with personal statement of dispute

Complaint:
This is for Experian no XXXX : For the month of XXXX I paid my XXXX loan with a loan that I took from a financial company. The company XXXX told me that before 30 days they would report the account, so they sent me a letter as proof in case Experian or others did not update the credit in 30 days after 60 days I checked my credit and I could see that the new loan and XXXX XXXX as unpaid affecting my credit I put a dispute and contacted the XXXX loan company paid they told me that after 20 days the account was reported to all the agencies were Experian 's negligence the dispute ended yesterday they marked the account as closed and not as payoff in order my credit was down XXXX of my credit now affecting my financial options call Experian for an explanation but they say they don't know why and They are not trained for that. My question is why do I have to be affected by paying my debt on time or paid off? It doesn't make sense to see my credit drop due to paid off my account and then see it fall for disputing for experian 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 explanation
Consumer complaint received 2020-03-03
Company: Advance America, Cash Advance Centers, Inc.
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have had the loan for over 2 years now. I borrowed {$400.00} and have been making monthly payments of $ XXXX {$110.00} each month. I have paid this loan 4 times over and my balance will not decrease. I have made several calls and sent several emails to them about making a settlement to just get rid of the loan, and they never respond. I just want this to be considered paid in full. Since they choose not to get back in contact with me. 

Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
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 5th 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 an 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

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 2023-02-23
Company: Experian Information Solutions Inc.
State: PA
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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2022-02-25
Company: Credit Control, LLC
State: PA
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:
I received a debt collection notice from Credit Control regarding a XXXX XXXX account they claimed I owe. I immediately sent out the attatched form for debt validation on XX/XX/22. On XX/XX/22 I received a phone call from them telling me I owe money and how am I going to pay. This is in violation of the FCRA rules as I had not received anything back. I said I had requested validation and was told that YES they did receive it and it has not gone out yet. He then warned me to be on the look out for a thick package as they have all kind of paperwork and told me to make sure I have this XXXX number written down because once I get it I need to call them back and talk about paying. They are not supposed to attempt any kind of collection activity until they send me validation

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 2021-05-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below inquiries from my XXXX, EQUIFAX, and XXXX  credit report ( s ). These inquiries are fraudulent and unverifiable. 

INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are unverifiable, fraudulent, and are in violation of my consumer rights. Requesting to permanently remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX  SXXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/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 2020-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the 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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-13
Company: Experian Information Solutions Inc.
State: NV
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-01-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Around XX/XX/2019 I was contacted by letter by Portfolio Recovery Associates, LLC which alleged I owed a debt to XXXX XXXX. This company also alleged the debt was previously held with XXXX with previous creditor XXXX. Before I was contacted by this Collection Company, I received several phone calls in regard this matter. I asked them to cease all kind of communication but I received more robocalls afterwards for which they had violated the law Under the federal Fair Debt Collection Practices Act ( FDCPA ). 

This Debt was previously handled by XXXX XXXX  who bought XXXX Credit ( also known as XXXX ) and sent me several attempts to collect this funds in communication letters. Ive never opened an account with XXXX XXXX  for XXXX and I will never use their services for their high interest rate and bad reputation. This is not an statement to talk about the Bank but the Collection Company who allegedly bought this debt. Attached are proof of the initial dispute I sent to this Collection Company as soon as I received their first letter. The letter ( see adjustment ) asked to the Company ( Portfolio Recovery Associates ) to validate the debt and to send me proof I owe them. The confirmation for receiving documents in envelope was signed by them ( see adjustment ).

After not receiving any communication for 2 months ( approximately ) this collection company reported to all 3 credit bureaus and my credit score significantly decreased. Once again, violating the law Under the federal Fair Debt Collection Practices Act ( FDCPA ) and Consumer Financial Protection Bureau ( CFPB ) since I asked them to Validate or Cease Collection. This is the last attempt before Im taking legal actions against Portfolio Recovery Associates, LLC for Violating the FDCPA and CFPB law, attempting against my moral character, and making illegal robocalls. Im also working with XXXX XXXX XXXX for this same matter.

Company response to consumer: Closed with non-monetary relief