BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-05
Company: Zions Debt Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector contacted me on XX/XX/23 via text without any prior notice or consent. Again contacted me via text on XX/XX/23. I replied it is not my debt and has already been disputed with the credit bureaus. They continued to text me and tell me the debt was mine and I legally owed that money. I again told them the debt was not mine. They again proceeded to tell me the debt was mine and I needed to pay it. I replied again stating the debt was not ming and to cease further contact. They didn't even have an opt out option on any of their text, which they are legally required to do. They then proceeded to tell me if I wanted to opt out, I needed to mail a cease and desist letter to the address given. That is not what the law states. Then sent another text saying have a good day. I sent stipulations of the law and told them " I told you it was disputed and the debt is not mine. Please cease and desist all calls, texts, emails, mail, and contact with me immediately. If you even reply to this text, I will assert my legal civil rights. '' They sent another text stating again that if I do not wish to be contacted about a debt I legally owe, to send my cease and desist to the address given.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE ACCOUNT FROM MY CREDIT REPORT : AXXXX XXXX XXXXXXXX

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 2023-08-14
Company: Experian Information Solutions 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 accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 a. Stateside have the right to privacy 15 USC 1681 section 604a section 2. It also states a consumer reporting agency can not furnish a accout without my written consent.

15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any report containing any of the following. Items of information any other adverse items of information. Other than records of convictions of crimes which out dates the report by more than 7 years.

15 USC 1681s 2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows

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 2020-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 XXXX XXXX i used a XXXX  ( atm type ) machine located at XXXX XXXX in XXXX Illinois, to get a cash advance on my Capital One credit card. The amount I requested was {$1700.00}. I was declined and no money was dispersed, ever. I had an odd suspicion/feeling about this at the time. I later logged into my Capital One account and found that indeed I was charged for the transaction. 

I contacted Capital One to investigate. Capital One did credit me back that {$1700.00} transaction and a couple other fraudulent ones. Shortly thereafter, they reversed the debits to my account, closed the account and stated that they looked into the matter with the XXXX  ( the vendor ) and concluded there was nothing wrong. I was never given proof of the transaction ( s ) ever occurring or proof of the cash being given to me, just a statement that they did investigate. To this day, I have made substantial payments to Capital One to keep my credit rating, but I feel that I am being taken advantage of, been abused and unfairly treated. I am a single consumer against two very large financial institutions. If I didn't get the cash advance, who did? Someone within either organization? Was this angle ever investigated? Why was no proof ever given to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
My credit is frozen and yet still has inquiries. No proper debt validation has ever been provided for any negative accounts reporting. These negative remarks are not mine.

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 2022-02-04
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I have done many disputing items with these companies they are not investigating the items at all they are only letting you creditors send them payment history and leaving it on the credit report I have 3 late payments on my credit report and have had a payment plan with the companies I was told they will delete the late payments when payment was made I was told something different Im trying to get my life together and when I called these companies they was rude I got hung up on and it not fair as people we are control by a computer and can make your life so that you can live in this world

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 2023-01-21
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
To Whom this May Concern, I have noticed XXXX XXXX has reaged the account on my credit report. XXXX sold the debt to XXXX XXXX in XXXX. There is no validation of the original contract - the account is listed as a closed account/charge off. It's stating the last payment was made on XX/XX/XXXX to XXXX XXXX but I have never made a payment to XXXX XXXX and I've never signed a contract with XXXX XXXX and never opened an account with XXXX XXXX. This needs to be investigated immediately since this is fraud and I will seek legal action. Please remove this account immedately from my credit profile. I have uploaded my ID and proof of residence for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: DISCOVER BANK
State: CA
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/XXXX I ordered 50 XXXX face masks from XXXX to help with this coronavirus pandemic. Shortly after, I received a package from them but it wasn't face masks, it was a box filled with newspaper. I submitted a complaint to the website to no avail, then I went to my credit card company, Discover. Discover investigated my dispute and then went on to side with the medical supply company simply because they sent proof that they shipped a package to me. I know I got a package, but the problem wasn't me not receiving it, it was the fact that I was scammed and I received NEWSPAPER rather than the face masks I ordered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My account was disabled in XX/XX/XXXX, I've never been able to log in again : These are the latest coinbase emails ; XX/XX/XXXX XXXX Coinbase asked me to change my account password XX/XX/XXXX XXXX Coinbase told me that my password had been changed XX/XX/XXXX XXXX coinbase told me that my account has been restored at this point I tried to log in with my new password, and the site asked me to enter the Authenticator code from my phone., after several attempts, in which coinbase told me that the code was not valid, I decided to try again in the evening, thinking that maybe something was still to be verified. 
my Authenticator app was synchronized with the internet, and previously always worked perfectly. 
Arrived in the evening, I still try to access my account unnecessarily. 
XXXX XXXX Coinbase told me that my purchase limit had increased from XXXX euros to XXXX euros, but I did not ask for anything. 
XXXX XXXX Coinbase asked me to authorize a new device that had been trying to access my account for a long time, I do not speak English, and seeing Location : XXXX IP Address : XXXX Browser : XXXX ( XXXX ) I naively authorized Coinbase thinking it was referring to all the times I tried to access, and only later did I realize that the IP address was not mine, afterwards I did a search on the internet, and this IP address is connected here afterwards I did a search on the internet, and this IP address is connected here IP address : XXXX Address type : Public Hostname : Could not determine to hostname DNS lookup : No reverse DNS record found ISP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dedicated Servers Webserver : No XXXX XXXX Hi XXXX XXXX , On XX/XX/XXXX, you ordered XXXX ETH via your payment method for XXXX XXXX. 
When we attempted to process this transaction it was canceled by your bank. If your payment method was charged, you will receive a full refund. If you wish to make another purchase, please try again or add a new payment method. 
Unfortunately, we are unable to restart this transaction because it was canceled by your bank. If you have questions regarding this canceled transaction, please contact your bank directly. 
We apologize for any inconvenience! 


I have not authorized anything, either! 
XXXX XXXX coinbase told me this ... Your account on Coinbase associated with the email XXXX has been successfully deleted. 

Can you understand that Shock for me? that I had more than a bitcoin and a half? all bought regularly with my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
To Whom this May Concern, I have noticed XXXX XXXX has reaged the account on my credit report. XXXX sold the debt to XXXX XXXX in XXXX. There is no validation of the original contract - the account is listed as a closed account/charge off. It's stating the last payment was made on XX/XX/XXXX to XXXX XXXX but I have never made a payment to XXXX XXXX and I've never signed a contract with XXXX XXXX and never opened an account with XXXX XXXX. This needs to be investigated immediately since this is fraud and I will seek legal action. Please remove this account immedately from my credit profile. I have uploaded my ID and proof of residence for your reference.

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: MD
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-02-12
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I applied to Wells Fargo Home Mortgage to assume the mortgage from my Dad 's condominium after he signed the title over to me. Wells Fargo 's made their conditions to close the Assumption impossible for the Title Company that I selected as my Settlement Agent to close the transaction. After my selected Title Company ( XXXX XXXX ) could not legally fulfill WF demands, WF also refused to allow a Real Estate Broker I selected to act as my Settlement Agent, even though Michigan law allows a R.E. agents or brokers to close Assumptions. I contacted other Title companies and a Real Estate Attorney to act as my Settlement Agent, and they all indicated they could not legally close the Assumption under Well Fargo 's conditions : to provide a Sellers Closing Disclosure prior to WF providing a Closing Disclosure. As a result Wells Fargo steered me to, in which I was FORCED to use a Wells Fargo 's Settlement Agent ( XXXX XXXX ) for the closing of the Assumption. Because my Dad is in the process of purchasing another home which requires his relief from this loan, I have been pressured to use Wells Fargo 's closing agent. Wells Fargo is also including a vague Servicing Fee Agreement for me to sign at closing, which has no list of of fees assessed in connection with the servicing of this Michigan mortgage.

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 2018-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed many times on my own and used a credit report repair company to have the inquires deleted from my Transunion report and no success at all. Here are the following inquires with the reported dates that do not belong to me at all ; 1-XXXX XXXX XXXX XX/XX/XXXX, 2-XXXX XXXX XX/XX/XXXX, 3-XXXX XX/XX/XXXX, 4-XXXX  XX/XX/XXXX, 5-XXXX XX/XX/XXXX, 6-XXXX XX/XX/XXXX, 7-XXXX XXXXXX/XX/XXXX. I did not authorize any of these companies to pull my credit.

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 2023-08-10
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:
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.

has violated my rights. Or list of inquiries 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 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo Never sent a reason why they were closing all accounts, We asked our branch XXXX to help us to find out why. We only had 30 days to move our accounts and there were multiple accounts. This happen in XXXX XXXX. When we first received the letter we sent a email with a copy of the letter to the branch manger at that time to the XXXX XXXX Wells Fargo Branch, a very helpful lady. We spoke with her verbally. We had been with Wells Fargo for a number of years ( XXXX plus years ). We tried to find out why and never received a reason. We were told to move all our accounts personal and business. including our credit card. We had to scramble with finding a new bank. We are not sure and would like to find out why. But we also want to be part of the settlement that we just found out about. how do we go about find out about this

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 2021-02-03
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
It is impossible for me to fix my credit. I do everything I possibly can and items that are 100 % false and incorrect never come off my report. It will drop XXXX points in a day with no explanation. Ive got barely any debt and it doesnt reflect a correct debt to income ratio nor does it ever seem to get above XXXX when I have paid off student loans, pay CCs on time, have no mortgages or bankruptcies and a bunch of items that are medical bills that didnt bill my insurance when I was fully medically insured ; I dispute them and they deny my claim but dont give me reasons why. Im XXXX and work daily for years to fix my credit and its impossible due to obfuscation, misinformation, wrong information, and inability to properly dispute flagrantly incorrect or fraudulent items. I need to buy a home and move forward with my life and this is making it impossible to do so. Please address XXXX Equifax, XXXX XXXX Accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Experian Information Solutions Inc.
State: DE
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 co-sign my daughter for the rental of her apartment for one year XXXX to XXXX, I told the company XXXX XXXXXXXX that I would not be extending her leases beyond the one year. I gave them a letter to that fact. My daughter renegotiate with XXXX XXXX  to stay for how long I dont know. As of XXXX & XX/XX/XXXX, She did not pay her rent, and because of that it affected my credit scores for the have a {$5000.00} debt in collection. I did not co-sign for my daughter pass the one year period. Please have Experian remove this 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 2018-01-24
Company: Diversified Adjustment Service, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NO dates given. Ant {$760.00}. I called XXXX they never did anything. I contacted my credit agencies and theres nothing on my credit report yet this collection agency is charging me this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 this creditor has violated my rights. Under 15 USC 1681 Section 602, states i have the right to privacy. 15 USC 1681 Section 604A Section 2, it also states a Consumer Reporting Agency can not furnish an account without my written instruction. Under 15 USC 166B, A creditor may not treat a payment on a credit card account under and open consumer and credit plan as late for any purpose.

Company response to consumer: Closed with explanation