BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: Comerica
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I had noticed a bunch of unauthorized transactions from a XXXX merchant attacking my benefits in XXXX and I only used my card three times and the rest for the month was this website XXXX Has XXXX XXXX and it I reported it right away as soon as I found out I submitted a claim with the claims department for my benefit card and I turned in the necessary information by email because I didn't receive the forms they said they were sending and canceled the new card that was sent that I didn't receive and got a new card sent in place of it and waited to hear back from them on my money refunded. I didn't hear back. Had to call them and find out status and was told I was denied and nothing more. No reason was stated. They got for over XXXX dollars by doing XXXX to XXXX transactions a day over and over for the month of XXXX. Also XX/XX/XXXX to XX/XX/XXXX was when transactions were made. I didn't find out until XX/XX/XXXX when going to purchase something and was XXXX XXXX transaction was burger barn and XXXX was XXXX on XXXX XXXX of XX/XX/2023 and the other one is on XX/XX/2023 at XXXX. The merchant attacking my card was XXXX Ha XXXX XXXX XXXX way to dispute with merchant because website gave error code XXXX not found or no longer exists.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-02
Company: EQUIFAX, 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:
FCRA Violation personal information not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation credit cards not mine XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violation credit card payments never late XXXX XXXX FCRA Violation other loans not mine XXXXXXXX XXXX XXXX FCRA Violation hard inquiry not mine XXXX XXXX XXXX FCRA Violation public records not mine XXXX  XXXX Bankruptcy : Bankruptcy XXXX  XXXX Bankruptcy : Bankruptcy XXXX XXXXXXXX : Bankruptcy XXXX  XXXX : Bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
State: CA
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer furnish an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer furnish an account without my written instructions.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
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:
I reached to Equifax for them to update and remove some old accounts, medical information from my credit report and they sent me a verification form to send back my personal information to them each time Im trying to dispute credit information. Nothing is disputed. This has been happening for a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 do not recall any of these inquiries to below and had already filed an identity theft report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-12-04
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have reached out to XXXX XXXX to remove the old account from my credit report, they are removed and added right back in a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my COINBASE account to fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, 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:
Account : XXXX ( Hospital visit covered by insurance ) According to FCRA, 15 US C 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish a account without written instruction. Also, this bill was covered by insurance 100 % should not be in collections. I need it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: AZ
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:
Hi There, I have a complaint against the credit bureaus. They are not doing thier job and it is frustrating as I have been disputing inaccurate information on my credit report for almost a year now. I have sent numerous letters outlining my findings after reviewing my credit report, I ask them to update or delete the incorrect information but it yields me no response or results. This is dramatically affecting my credit and I solely wish to have my credit accurate and updated. They also have numerous versions of my name. I have requested them to update my personal information for months and not a single change has occurred. 

There are inconsistencies in many accounts across the bureaus. Some examples of this is what I am including on what I was disputing in one of my most recent letters. 
XXXX - XXXX - The following account has inconsistencies across all the bureaus in the following areas : Account status inconsistent accross the bureaus, Date Closed missing or inaccurate, last activity inconsistent. - This is completely inaccurate. Please remove and update my credit report. 
XXXX XXXX XXXXXXXX - XXXX - Why is this still reporting illegally with numerous charge off dates. Please refer to FCRA Section 623 regarding the way charge offs must report. - Please verify and validate that this account belongs to me. Why is this still showing on my credit report? Due to this HUGELY negatively impacting actions from the furnishers. This Account must Immediately be deleted as the account has been reflecting INCORRECT for numerous months and hurting my credit. 

XXXX XXXX XXXX XXXX XXXXXXXX - The following account has inconsistencies across all the bureaus in the following areas : Account status is inconsistent across the bureaus, Account type is also inconsistent, Balance, last activity are inconsistent and even the original creditor is inconsistent. - This is WAY too many inaccuracies on one account. This is illegal reporting. 

XXXX XXXX XXXX - XXXX - I want to request full documentation of this debt proving its connection to me as well as a copy of the statute of limitation to pursue this debt.

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 2022-12-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i have been tying to work with Carrington mortgage for XXXX and all they have done is give me the run around i have XXXX XXXX from XXXX XXXX of XXXX XXXX helping me and we she has supitted application 2 times and they have requested same paper work XXXX time in the past XXXX they dont let me make payments so for the past XXXX yrs its been a fight with them XXXX had my file and i was approved they they sold my loan to Carrington and everything went to XXXX by know they should give me my title to my house for pain and suffering i have been stressed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  due to them not working with us its been very stressful

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022 ( and around XX/XX/2022 ), I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX from my CapitalOne account through an intermediary named XXXX to these fraudulent investments companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2022 Net Credit used discriminatory practices against me by denying me extension of my own credit. Net Credit was informed via email that it's unlawful to deny someone extension of their credit and that the Equal Credit Opportunity Act prohibits discrimination in denying the original creditor known also known as the consumer their own credit. Employees of NetCredit monetized by securitizing the the application. 
Pursuant to 15 usc 1691-scope of prohibition ( 3 ) it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction ( 1 ) on the basis of race, XXXX, religion, national origin, XXXX or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicant 's income derives from any public assistance program ; or ( 3 ) because the applicants in good faith exercised any right under this chapter. 

NetCredit did not provide the opt out disclosure for the original creditor/consumer not to have any information reported to the consumer reporting agencies who are Nonaffliated third party pursuant to 15 usc 6803 which violated XXXX XXXX. 

Employees of NetCredit refused to admit that the application did in fact generate profit which is extortion. XXXX says that credit is the right granted, this means a denial is discriminating against the original creditor/consumer. Under the credit reporting act 15 usc 1681a definition section ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. XXXX fees are payments. The financial institution and the consumer reporting agencies are conspiring against any XXXX and/or XXXX ( the creation of the Creator ) to extort that XXXX or XXXX out of an extension of credit. 

XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  Risk XXXX XXXX XXXX to furnish information on the Original Creditor. When XXXX XXXX pay to report information that constitutes a breach of fiduciary duty. This means that XXXX is well aware that a system was built to access credit and found a way to trick you into paying them every month. There's no such thing as late payments and I have no contract with any of these consumer reporting agencies to furnish non public information on or about me which is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: CA
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 CARD : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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: Information belongs to someone else

Complaint:
This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX  XXXX Balance XXXX {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( XXXX ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: SC
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:
I received a copy of all three reporting agency and noticed that they are not accurate all three have different information also some collections agency have been calling and violating my right under the act 15 U.S.C Sec. 1681i ( a ) i would like these collections DELETED and all three reporting agency accurate. I have previously requested that you investigate this information, and now my credit is being damaged i also would like all HARD INQURIES DELETED please update info. 
XXXX XXXX XXXX Original creditor XXXX XXXX. 
Balance {$1700.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$1900.00} Balance updated XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

XXXX  Account # XXXX  has violated my rights.

15 USC 1681 section 602 A 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 accounts without my written instructions. 

I, XXXX XXXX, the consumer never gave Equifax any written consent to report anything on my consumer report. I explained this in depth in my dispute letter and Equifax still decided to post these accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: TD BANK US HOLDING COMPANY
State: FL
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:
This is in according to a dispute with TD XXXX XXXX XXXX  case amount is XXXX merchant name is XXXX XXXX of the XXXX XXXX transition date is XXXX XXXX XXXX I ordered two tickets for the package above and only received one ticket Thats why I filed the claim I was told that time that the review process they had up to pass the date of the concert in that time I told that I was not going to use the ticket if I hadnt received an answer to the college came and went and they reviewed the case and paid me for half of the amount because I received one good ticket by then the ticket was no good so I had to file a dispute again its the same case number XXXX XXXX  XXXX XXXX and I explain to him that theres no way I couldve known or sold the ticket I bought two tickets because I was going with a date In the pursuing months I called the number and was put on hold XX/XX/XXXX times for over two hours then disconnected I probably spent 12 to 14 hours Im hold With them they made it impossible to deal with them I was told in the third letter that youve been forwarded that they ruled in favor but nothing was put into my account Im locked out of my online account and Im working on printing out my credit card statements up till now when this began in XXXX and Add a friend ordered two tickets to the same show and only receive one but he was with XXXX XXXX and they covered it and refunded his money in two days the way XXXX  Treated me there was no way I could succeed the last conversation I had said they would get back to me on why the last payment wasnt put in I still havent heard from him

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. I have already disputed with the bureaus on XX/XX/2022 but they did not remove the items below. Sec. 602 FCRA States " I Have A Right To Privacy '' XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX-XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: NAVY FEDERAL CREDIT UNION
State: AL
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:
Remove all late payment status to current

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation