BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX Whom This XXXX Concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX XXXX reported on XX/XX/XXXX As you Know it is against the law to report any information not proven accurate. 

I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity o the remark. 

I am not in dispute of ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from credit report. 

Best Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2020-08-03
Company: Collections Acquisition Company, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Old Checks were compromised and transactions were made twice to XXXX XXXX XXXX. I didnt receive notification about this until I received a called from the collections agency. I explained to them this was fraudulent activity and I will be submitting a police report. I filed a police report and submitted it to Payliance several times. This was the 6th attempt reaching out to them and no response. I have documents to support this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
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: Public record information inaccurate

Complaint:
Equifax is reporting a Public Record that do not belong to me. I have made many attempts to get this situation rectified. I need your help in getting this Public Record removed from my credit profile.

Also, there the XXXX XXXX XXXX address do not now nor in the past belong to me. Please remove this address from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
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:
Im accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under Section 15 USC 1681 XXXX XXXXr # XXXXXXXX XXXX # XXXX XXXX XXXXXXXX # XXXXXXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2019-08-09
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax is stonewalling consumers attempting to place a credit freeze.The other 2 allow a freeze to be placed online virtually hassle-free. Equifax delayed for a week to send a verification code by 1st class mail. They then still demanded a phone call. I refuse to waste my limited minutes and incur an additional expense. I've had problems with this awful co. in the past. They illegally placed a bogus claim on my wife 's report, and it took the threat of a lawsuit to get it removed. I wonder if that's why they're giving me such a hard time now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, 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:
In accordance with the Fair Credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15, USC 1681. XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXXXXXX XXXX XXXXXXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Not mine inaccurate information XXXXXXXX XXXX XXXX XXXX Not mine inaccurate information XXXX XXXX XXXX Not mine inaccurate information XXXXXXXX XXXX XXXX XXXXXXXX XXXX Not mine inaccurate information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached 15 U.S.C 1681 section 6028 that states I have the right to privacy. 15 U.S.C 1681 section 604 a section 2 ; it also states, consumer reporting agency can not furnish an account without any written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency, might make any consumer reporting containing any of the following items of information of any other adverse item of information, who it that records or convention of crimes, which attendates the report by more than XXXXXXXX XXXX. 15 U.S.C 1681s-2 ( A ) ( 1 ) A a person shall not furnish any information relating to a consumer to any consumer agency. If the person knows or has reasonable cost to play, that information is inaccurate. 
Affected by XXXX or XXXX XXXX ( XXXX. 
XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XXXX/XXXX/XXXX, I tried to transfer my American Express Membership Points to All XXXX XXXX, but the transfer was not successful due to the points being frozen. 

I called American Express Membership Points team immediately to resolve the issue, the representative told me there is noting wrong with my account and tried to transfer points on his end, but failed due to the same error message. I was transferred to fraud department,  and transfer back to Membership Points team ten minutes later, this time I was told that my Membership Points account is frozen, and the reason is American Express froze my account to investigate a few thousands point I earned recently, and there is nothing they can do. I asked to speak with a supervisor, but was told the supervisor was not available. 

American Express did NOT inform me when the froze my account, and when I called, American Express failed to provide estimate time the investigation will take. I found this completely unacceptable. 

I demand American Express unfreeze my account immediately, legal action will be taken if American Express fail to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
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 status incorrect

Complaint:
Credit bureaus reporting as delinquent. My account is in forbearance and is up to date with payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: VA
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 sent a letter out on XX/XX/2022 to Experian. Here is my Report number : XXXX. However, The credit bureaus said they completed the investigation and everything was 100 % accurate. 


According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 consumer 's credit record obtained directly from a consumer creditor or a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 

How did they complete this investigation?

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 2020-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2023-06-13
Company: Dave Operating, LLC
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I filed a dispute for charges on my account on XXXX totaling {$480.00}. I did not make this transaction, and it is my belief that my card information was compromised. I submitted the appropriate forms with the bank stating I did not make the transactions listed. I tried reaching out to the merchant to see if they could verify the transactions and attempt to report the transactions. The merchant was unable to verify the transactions. The bank denied my dispute stating they needed additional information for the dispute and stated the decision was final. I am unable to find additional proof that the charge was fraudulent. I lost a lot of money that day and the bank has not been helpful in helping me recover my lost funds. No follow up on their investigation was included and their lack of reasons why my dispute was rejected is frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2021-01-14
Company: Harris & Harris, Ltd.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Call my place of employment, here is part of the message left on XX/XX/2021 : " Hello, this is Harrison Harris limited. We are debt collectors, please call us at XXXX. Our office is open Monday through Thursday from XXXX, XXXX  to XXXX XXXX  Central standard time Friday from XXXX XXXX  to XXXX XXXX  Central standard time and Saturday from XXXX XXXX  to XXXX XXXX  Central standard time. Thank you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: TX
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 requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: T.S. Holdings
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I.Q. DATA is refusing to satisfy a judgement they hold against me with XXXX XXXX XXXX XXXXXXXX They satisfied 1 of the 2 judgements they had against me. Ive verified with the court in case there was court error and there response was that the plaintiff ( iqdata ) still has an active judgement against me and they need to contact the court stating its been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I deposited {$1500.00} from my back account in XXXX Florida with coinbase. 

Today is Saturday XXXX 2021 and my funds are not yet available to send. 

Coinbase has held my funds a full seven actual days. 

I am able to send a wire transfer to XXXX in less than 48 hours, but Coinbase who is in XXXX can not let me have my money after 7 days? 

Coinbase has caused me damage and I would like a repay,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-25
Company: Bread Financial Holdings, Inc.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a CD at Bread XXXX/Bread XXXX XXXX I've tried to log in many, many times. Last week I tried to log in and my password didn't work. Finally, I tried changing my password but they never sent an email link, nor did they text me a link. I called customer service but was on hold for an hour before I hung up. Today, I tried again and went through the same process except this time the program suggested I use a different browser which I did with the same results. I have not been able to talk to a person or " chat '' with customer service. I believe I somehow sent a message last week describing the trouble I was having but I have not received any communication from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, I took a taxi in XXXX, XXXX from XXXX de XXXX XXXX to my hotel, the XXXX XXXX XXXX. I paid with my Chase XXXX credit card. The charge on the receipt that was provided to me at the conclusion of the ride was in the amount of XXXXXXXX XXXX. The amount charged on the statement was XXXX XXXX. Believing this to be an error ( it seemed the merchant had erroneously added a digit to the charged amount ), I disputed the charge with Chase, and provided Chase with a copy of the receipt. The merchant ( the taxi service ) apparently provided Chase with a fraudulent receipt reflecting the fraudulent amount of XXXXXXXX XXXX. Note that the signature on the fraudulent receipt is not mine, and that I was not asked to sign a receipt. Chase denied the dispute, claiming that the fraudulent charge was valid. Of note, the same credit card was used to pay for the flight and the hotel. It is verifiable that it was impossible during that time to take a taxi ride long enough to incur a charge of XXXX XXXX The correct charge was XXXXXXXX XXXX and that is what is reflected on the receipt provided to me by the taxi, and that I provided to Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: SLM CORPORATION
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My original student loan was through Sallie Mae, and it was for less than {$12000.00}. XXXX XXXX, has not tried to contact me via phone, I have never received any voicemails. I have recieved two physical letters asking for over payments of {$26000.00} or telling me there will be legal action. This has also been going on even though there was a federal law passed for student debt being cancelled for several months with also 0 % interest because of covid-19. I let them know that I want to work with them but the fact that they want over twice as much as the debt I owed is scary. I need help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: VA
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 contacted XXXX XXXX, Equifax, and XXXX credit reporting agencies regarding inaccurate information on my report. After trying to correct this inaccurate information these companies refuse to remove the information once they were told they were in violation of law. 15 usc 1681 ( a ) definitions ; rules of construction ( 2 ) ( a ) clearly states report containing information soley as to transactions or experiences between the consumer and the person making the report is excluded. According to the Fair Credit Reporting Act ( CFRA ) violation and penalties ; I can be compensated for these agencies my willfully violating my rights. These companies have caused harm. The inaccurate information lowered my credit score by not allowing me to have a fair representation and accurate information when applying for loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Experian Information Solutions 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:
Take note that I did not sign up for an account with XXXX XXXX XXXX. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first. I requested bureaus to validate this information and provide me with copies of any documents associated with this account bearing my signature but they were unable to supply it. CFPB step up and remove 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 2023-06-13
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Yesterday I was notified that a collection was put on my credit report from Commonwealth Financial. They said that I have a collection for {$1500.00} from 2017. Mind you I never have received anything from any creditor saying I ever had a balance. I called the orginal creditor XXXX XXXX XXXX and they dont show any balance in their sysytem for the amount of {$1500.00}. They only show a recent balance from last year that is not in collection and that has a payment plan set up for the amount of {$250.00} dollars, and they dont show any other account with a balance like this. I spoke to 3 different people and non of them saw a balance from 2017 of any balance owed. I have reached out the credit bureau and they have filed a fraud dispute and instructed me to notify the Federal Trade Commisson regarding ID theft. I will reach out to them once I am done with this report. This collection company is attempting to collect on fake debt that is not real nor is owed by me and I want this removed from my credit report.

Company response to consumer: Closed with explanation