BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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.

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 explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
am a natural person, I am a living human being, I have rights under 15 USC 1681 Transunion is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 


Accounts XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX # XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX. 
XXXX XXXX XXXX XXXX # XXXX INQUIRY 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 XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. 
XXXX XXXX XXXX XXXX Negative reports without written consent XXXX. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXXXXXX 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 2021-11-21
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/21 I tried to transfer My XXXX coin valued at XXXX and was denied transfer I tried XXXX more times and price kept dropping and was denied as wellcalled customer service they said it was a glitch and nothing they can do about it now the whole community of XXXX XXXX owners are locked out of our accounts on Coinbase saying that they are having technical issues and trying to resolve the problemCant get a hold of anyone on the phone from customer support XXXX hour hold and no answers today is XX/XX/21 this problem has been going on since they released XXXX for purchase

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-13
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My complaint is that Credit Acceptance Corp has been reporting inaccurate late payments to the credit reporting bureau 's for the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Back Story I was adversely impacted by Covid-19 XXXX of XXXX. Prior to Covid, I had never been late on my car payments. The moment my plant was shut down, I contacted Credit Acceptance Corp. to inform them of my financial difficulties and to inquire about payment options.

Credit Acceptance allowed me loan relief in the form of payment arrangements, however, I recently discovered that they have been reporting me as late to the credit reporting bureaus. I have contacted Credit Acceptance several times to inquire as to why they would report me as late if I am making my weekly payments and I have been ridiculed, laughed at, dismissed and treated very unprofessionally. Additionally, I have petitioned all 3 credit bureaus to have the late payments removed and have heard nothing back. 

I have gone on Credit Acceptance 's website and they have not honored any of the verbiage contained within their own website as it relates to handling those impacted by Covid-19. I feel discriminated against. 
https : //www.creditacceptance.com/coronavirus-response Moreover, I am entitled to an accurate credit report free from errors and what Credit Acceptance is doing is just plain wrong and violates the CARES ACT protection as it prohibits lenders from filing a negative report about the borrower to a credit rating agency. 

Please help me remove these late payments and make Credit Acceptance stop this unjust practice.

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 2019-11-13
Company: Credit Card Receivables Fund Incorporated
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a letter from debt collector Unifund CCR to inform me that they are servicing an account that is owned by Distressed Asset Portfolio III, LLC with a balance of {$9900.00}. The letter states that unless I notify their office within 30 days of receipt of this letter that I dispute the validity of this debt they will assume this debt is valid. The letter does not state that I owe this debt nor does it state that I am the owner of this debt. I sent a response letter to Unifund CCR via certified U.S. Postal Services on XX/XX/XXXX. In the response letter I formal dispute their claim and I requested that Unifund CCR provide me with validation, that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them or Distressed Asset Portfolio. I have not received a response to my request. 
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that Unifund CCR placed this account with them for collection. I was given another 30 days to dispute the claim. So, I sent XXXX XXXX XXXX a U.S. Postal Service certified letter on XX/XX/XXXX requesting validation of their claims. I have not received a response to my request. 
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX stating that this account has been placed with them for collection by Distressed Asset Portfolio.So, I sent XXXX XXXX XXXX XXXX XXXX a U.S. Postal Service certified letter on XX/XX/XXXX requesting validation of their claims. I have not received a response to my request. 
I sent another letter to Unifund CCR on XX/XX/XXXX as a third attempt requesting validation of all accounts of their claim. No response received. 
On XX/XX/XXXX I received a court Petition from the State of Texas saying I am being sued by Unifund CCR for breach of contract in the amount of {$9900.00} plus attorney fees of {$3300.00}. In each letter I sent to the above parties I stated that failure to receive their response within 30 day of receipt of my certified letter may result in small claims legal action against their companies at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for defamation, negligent enablement of identity fraud, violation of the Fair Debt Collection Practices section 807-8 and violation of the fair credit reporting act section 623-b.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX refusing to correct personal information. My correct name is XXXX XXXX XXXXXXXX I sent proof of residency and Drivers license. XXXX is reporting my name as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX is reporting incorrect names also. I have sent proof of identity to them as well. My employer and address are correct. 
Experian has incorrect name and address. 
Proof of personal information has been sent to each Bureau. I have sent proof of personal information more than three times to each Bureau. Can you please help me to get my personal information straightened with each Bureau. Thank you in advance.

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 2023-10-14
Company: Experian Information Solutions Inc.
State: OH
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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2022-01-13
Company: EQUIFAX, INC.
State: NV
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I made an online purchase and on XX/XX/XXXX I filed a dispute since I realized I fell victim to a scam. The scam totaled {$700.00} and was split across two transactions. I sent screenshots of chat, phone numbers, transaction ids, and everything I could. I didn't get an answer until XX/XX/19 when they told me " no error occurred '' and that " this matter is closed ''. They didn't provide reasoning why, any partial resolution, or anything. I waited 83 days for them to send me a short message basically saying sorry too bad. I want a full or partial charge back for this transaction. Online scams are very popular nowadays and all of the other banks I've used offer protection. I checked their XXXX and it's horrible. I wish I noticed it prior to setting up an account. I've tried numerous times to resolve this with calls or chats. If I call they say lets setup a chat. If I send a message in chat they don't respond for days and often respond emptily. This is the worst bank I've ever had ... no exaggeration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: LA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-14
Company: Experian Information Solutions Inc.
State: SC
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: Investigation took more than 30 days

Complaint:
All the credit bureaus do nothing, check nothing, and could care less about my credit score. Why would they? Same goes for the CFPB! Waste of time and taxpayer money!!

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 2019-04-30
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 a victim of identity theft and identity fraud. After viewing my credit report, I noticed accounts and credit inquiries that I did not apply for or authorize. I immediately contacted the companies in question and notified them of the incorrect reporting and advised them that it is obvious that I have been victimized and that someone has used my personal information to fraudulently open several accounts. Currently those accounts are a XXXX credit card opened XX/XX/XXXX and a XXXX XXXX  credit card opened XX/XX/XXXX. There are also several inquiries on my credit report that I did not authorize. In addition to the ones for the XXXX and XXXX credit cards, there are the following : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX 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 2021-01-30
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had an account with XXXX XXXX XXXX as part of my business in XXXX, XXXX  through XX/XX/XXXX. When I sold the business and left the city in XX/XX/XXXX, I returned the equipment and closed the account thinking I was in good standing. Unbeknownst to me, XXXX XXXX XXXX continued billing me apparently for months and I was given no notification in order to be able to sort it out with them ( I had moved back to XXXX, XXXX  ). 

Fast forward to XX/XX/XXXX, I get a notification that there's a collections on my credit file from Sequim Asset Solutions for {$180.00} related to that account. I called XXXX XXXX XXXX and spent over 6 hours talking through it with them - they agreed verbally that it was likely a system mistake but since it had gone to collections, it was out of their hands. I called Sequim and they said it wasn't in their hands but rather, it was up to XXXX XXXX XXXX to pull the record. 

I'm a person that had over an XXXX credit score and now this company has ruined my credit - it dropped over 60 points. I have no recourse and I feel helpless because I've worked very hard for the score I have. Just when I'm thinking to buy a home, XXXX XXXX XXXX falsely puts a collections on my account for a debt they agree I don't owe. I really need help fighting this corrupt company - it's not fair. I've never missed a single payment for even thousands of dollars EVER and now I have a derogatory mark on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-10-19
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX 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 2022-10-19
Company: ALLY FINANCIAL INC.
State: GA
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:
Did not authorize Credit Pull. Please remove.

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 2019-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I deposited a money order through the ATM, the system said it was validated. 
They said that they did a chargeback on the money because it had been altered. I used my card on the XXXX that evening around XXXX and I did not see an NSF charge in the app. When I tried to use my card on the morning of the XXXX my transaction was declined for XXXX dollars. I immediately went to the bank to deposit funds. When I checked the app again, they had added a {$35.00} NSF fee. I wasn't notice and was not given a 24 hour window to deposit funds to any transactions. Their system is automatically generating NSF fees with out an alert or 24 hour window to deposit funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: EQUIFAX, INC.
State: IL
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 been requesting an inquiry deletion off my Equifax credit report by XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, Indiana XXXX. I submitted a dispute via telephone at XXXX on XX/XX/2018 due to an unauthorized inquiry by this company and an agent by Equifax stated that they could not remove the inquiry but the company itself had to submit documentation requesting the inquiry removal off my credit report even if it was not authorized. I contacted the company XXXX XXXX at XXXX XX/XX/2018 and they said that they could not submit anything to Equifax to remove the unauthorized inquiry and its solely up to Equifax discretion. I called Equifax right back and told them what was told to me and an agent said they would investigate the issue during the dispute process however, a few days later I received a letter stating by Equifax that the dispute has been investigated and they could not remove the unauthorized inquiry and indeed XXXX XXXX will have to. Both companys refuse to do anything about this issue and stating its up to the other one to remove the unauthorized inquiry. I told Equifax via telephone XX/XX/2018 at XXXX there should not have been this unauthorized inquiry allowed seeing as though I placed a freeze and fraud alert on my credit report on XX/XX/2018 which was processed a month and a half PRIOR to this inquiry due to identity theft. Please Help!!

Company response to consumer: Closed with explanation