BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/XXXX I sent a dispute letter to Equifax for the following accounts, XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1600.00} )XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$440.00} ), XXXXXXXX XXXX XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance {$280.00} ), XXXX XXXXXXXX XXXX XXXXXXXX ( Date Opened : XXXX. XXXX, XXXX, Balance {$0.00} ), XXXX XXXXXXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$820.00} ). As well as the following inquiries, XXXX XXXXXXXX XXXX XXXX ( Date : XXXX XXXX, XXXX ), XXXXXXXX XXXX XXXX XXXX ( Date : XXXX. XXXX, XXXX ), XXXX ( XXXX XXXX, XXXX )XXXX XXXX XXXX XXXX  ( Date : XXXX XXXX, XXXX ). It's been over 45 days since I sent this dispute and they have not answered nor corrected these issues as they are required to by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I obtained a secure credit card from wells fargo in XXXX. I was told that if i pay my bill on time that my card would graduate to a regular credit card ; later i was told there were other factors involved in the graduation process. from then on every time i inquire about the cards graduation status they tell me for different reasons my card is not eligible to graduate. they never disclose the exact reasons why, they only say maybe your credit score is too low or there are negative items on your credit. when asked if there is a threshold for credit scores they say they dont know. when asked what are the negative things on my credit they dont know. they cant tell me what my credit score is or what specifically is negative on my credit report so that i may address it. they continually deny the graduation of my card and do not provide a adverse action notice.

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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 checked again my credit report and found that some of the data wereincorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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

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 2022-07-17
Company: LD Holdings Group, LLC
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: Account information incorrect

Complaint:
My credit report shows that I had a late payment in XX/XX/2022 for my mortgage. This payment was on autopay and I sold the house on XXXX XX/XX/2022 so either way it should not have shown as a late payment. The company was LoanDepot

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
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 XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX. Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX. Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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

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 2023-09-08
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent a letter to XXXX which was returned to me for not deliverable address. 
I then sent equifax and XXXX a letter to remove this account because it is violation of The responsibility of the data furnisher is outlined in the FCRA, section 623. In part, it states : The FCRA prohibits information furnishers from providing information to a consumer reporting agency ( CRA ) that they know ( or consciously avoid knowing ) is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( AO and ( a ) ( 1 ) ( CO You are hereby notified that the data furnisher has not clearly and conspicuously provided an address at which to write a dispute about inaccurate information. If this information continues to report on my credit files, you will be held responsible for knowingly reporting false information. 

This account is still reporting on my credit report. 
Ive included the envelope showing returned, the address that is reported to the credit bureaus, and the letters I sent to equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Coinbase, Inc.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I've deposited {$2000.00} into an account on Coinbase. Two weeks ago I was logging into my account and I wasn't able to log in. I submitted a service ticket. Since then I've submitted close to 50 emails, blog posts and made multiple phone calls. The only thing I've received from them are automated email messages and their phone representatives tell me that the issue has been escalated. I have no visibility to my funds and can not remove them from the market. I've spent countless hours trying to find a way to get their attention only to find thousands of more people that are having similar issues. Coinbase took my money and has charged me plenty fees and now are keeping from my funds. People need to know about this before they invest their hard earned money. The emotional toll that this has taken on me has been severe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: TX
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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report and have some hard inquiries on my report that I do not recognize. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The credit bureau stated that my account was properly investigated but how is that possible if the following items are all inaccurate : the high balance amount date of last activity date reported date opened date closed creditor type account status payment status last payment term length the creditor remarks are also inaccurate This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A which states that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish a 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 2018-12-17
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018, I received a letter from the credit bureau stating that a collection account from Merchants Credit Guide Co. was added to my credit report for {$78.00}. A collection that I didn't know anything about. I never received a bill, letter, warning etc.. from the collector 's office. I called the collection agency, verbal information was given to me. I requested a written copy of bill in dispute. On XX/XX/XXXX of 2018 I received such written information. I went through my records to find out this bill to XXXX XXXX XXXX was paid with check # XXXX on XX/XX/2018 for the amount of {$86.00}. ( XXXX + XXXX. ) I called XXXX  talked to XXXX and she told me there was no record of me paying this bill and did not find a copy of the check in dispute. I am submitting evidence from my bank account that check was cashed on XXXX. They deposited this check electronically didn't cash it through the regular channels. This dispute destroyed my credit record falling down XXXX points according to the credit bureau.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
TRANSUNION is obligated by the FCRA to report accurate accounting. Me the consumer has advised ALL the inquires reported as fraud. TRANSUNION has 4 days according to the LAW to remove such inquires. FTC fraud report was filed and is attatched to this dispute, I am requesting TRANSUNION to provide the documentation used to determine inquiry was indeed authorized by me the 'consumer '. TRANSUNION has to provide me with the name of the person spoken to, documentation used, signed application with consumer 'MY ' wet signature. If TRANSUNION does not have these documentations to show these were in fact authorized within 15 days I demand you delete this inquiry immiedately from my consumer report. I have attatched my drivers license for proof of identity so you can access my consumer file. I also have attatched the FCRA law along with my dispute.

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 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The term " investigate 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, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2022-03-14
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have requested the account statements for a XXXX XXXX XXXXXXXX benefits card in my name and social security number that was administered by Key Bank. Key Bank is refusing to send the statements to me. I have requested the statements from Key Bank three times, and Key Bank has refused to send the statements each time. I have filed two complaints, one with CFPB and one with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In both complaints, Key Bank told me that I should contact XXXX XXXX  XXXX DOL for " that any inquiries regarding the unemployment benefits for this Card must be directed to the program manager for your state ''. To be very clear, I am not contacting Key Bank for information about my unemployment benefits. I am contacting Key Bank to get the account statements that are in my name and my social security number. I have a right to obtain those statements from the financial institution that administers the account. XXXX XXXX state does not have the account statements. Only Key Bank has the account statements, and Key Bank is refusing to send the statements to me. Key Bank is misdirecting me to the XXXX DOL for this request. Prior to my requests for the account statements, Key Bank has sent other account information to me, including a rebate check. Clearly Key Bank has the ability to send account statements to me. 

It is Key Bank 's responsibility to send these account statements to me and Key Bank is refusing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: FL
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 Cedit Reporting Act : XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX and XXXXXXXX XXXX account # XXXX, 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, states a consumer reporting agency can not furnish an account without my written instruction.

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 2018-12-17
Company: Capital Markets Cooporative, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage servicer, XXXX XXXX XXXX XXXX, reported a delinquent payment to a third party by means of a verification of mortgage. The payment in question falls within a 60-day RESPA period that occurred during a transfer of mortgage loan servicing earlier this year. The mortgage servicer acknowledges this but has declined to modify the verification of mortgage or provide a written explanation to the third party. This appears to be a violation of Reg X, 12 CFR 1024.33 ( c ) ( 1 ). which states that a during the 60-day RESPA period following the transfer of servicing of a mortgage loan, " a payment may not be treated as late for any purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: TX
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:
There's XXXX XXXX XXXX XXXX credit card on my account that were paid and closed on XXXX. However XXXX XXXX XXXX kept the credit cards open until XXXX, and XX/XX/XXXX to accumulate more fees despite the cards to my knowledge been closed on XXXX. Now the cards is showing on my credit report as both late and charge off on XXXX and XX/XX/XXXX when this information is not accurate because the account was paid and closed on XXXX and XX/XX/XXXX. 
I need the XXXX XXXXXXXX XXXX account to report the accurate closed date on my Equifax and XXXX credit report and to show as paid and closed because they where paid and closed on XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: Experian Information Solutions Inc.
State: AZ
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:
see incoming XXXX of cow XXXX from all bureaus. All accounts are updated " with disputes '' claiming they will be removed >XX/XX/XXXX. 

Disputed accounts were opened in XX/XX/XXXX or earlier AND CAN NOT BY LAW BE POSTED UNDER ANY FILE beyond XX/XX/XXXX. I formally demand all bureaus compliance forthwith- to include TAPE ARCHIVES destroyed of all accounts- all sub accounts- and all associated companies TAPE ARCHIVES and other stored data also be destroyed. 

If accounts are not reporting- then I further can not be lawfully liable -even internally to ANY COMPANY - whether I have had relations in the past or not with said company. XXXX doesnt seem to understand this facet of federal CONSUMER PROTECTION law. I will dare sue XX/XX/XXXX XXXX and XXXX XXXX if they continue to persue debts. This also goes for XXXX and XXXX . I OWE NO ONE- I WILL OWE NO ONE. CAR and house notwithstanding- I should not legally be denied for either- yet I am - based on continued UPDATED SLANDER which no company or bureau will compensate me for. Instead bureaus lower my score in retaliation.

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXL-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate 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