BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: TX
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-08-20
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX XXXXXXXX XXXX  XXXX {$3200.00} XX/XX/2015 XXXX XXXX XXXXXXXX XXXX {$1900.00} - $ XXXX {$500.00} I SENT POLICE REPORT AND CALLED COMPANIES WITH LAWYER SEVERAL TIMES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX loan is showing the incorrect balance on Equifax and XXXX. I reached out to XXXX XXXX XXXX and was told to dispute the balance with the bureaus. I did that and the bureaus are saying the information is correct, but is showing that the account has not been updated since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Not 100 % accurate information reporting to my credit report. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, now is XXXX true when there are several inaccuracies showing on my 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 non-monetary relief
Consumer complaint received 2022-11-25
Company: Block, Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX or XXXX XXXX took out XXXX Without authorization I called cash app right away when I seen pending transaction they said I had to wait until it posted on my account but try to call the company 1st I did call the lady said it would be back in there in 7 days well guess what When I talked to cash app they told me to wait near everything we went ahead and canceled that old card out and got a new one going back but they denied my 1st refund cash app dead for {$55.00} XXXX keep fighting fighting fighting I didn't authorize it and I should have got my money back from cash app since the company lied to me and then after looking them up it says they're a scam So I need your guys 's help to get that {$55.00} back in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Pulled a credit report from Equifax. No reported late payments. Then there was a negative information area. Says there are 4 negative items affecting my credit. Don't recall these items so I was going to dispute them for accuracy. On the negative information box, it states four accounts.

1. XXXXXXXX XXXX XXXXXXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4 . XXXX. XXXX XXXX. 

1. XXXX Account ending in # XXXX. Under payment status it states there were two ; thirty-day late payments. XX/XX/XXXX and XXXX XXXXWhen I try to file for a dispute it is not allowing me to click the box for that correct reason. It states there is, " no report data for this category. '' No sure what to do, I can not dispute it. 

2. XXXX XXXX XXXX Account ending in # XXXX. Under payment status it states there were two ; thirty-day late payments and a 60-day late payment. XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXXWhen I try to file for a dispute it is not allowing me to click the box for that correct reason. It states there is, " no report data for this category. '' 3. XXXX XXXX account ending in # XXXX. Under payment status it states there is one thirty-day late payment. XXXX XXXXWhen I try to file for a dispute it is not allowing me to click the box for that correct reason. It states there is, " no report data for this category. '' 4. XXXX. XXXX XXXX Account ending in # XXXX. Under payment status it states there is one thirty-day late payment ; XX/XX/XXXX and a sixty-day late payment ; XX/XX/XXXX. When I try to file for a dispute it is not allowing me to click the box for that correct reason. It states there is, " no report data for this category. '' That being said those are listed as negative. But on another part of my credit report is states 0 late payments for all these accounts listed above. I will provide attachments of what I see and the steps I take to resolved them with the credit bureau.

In accordance with the law, 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER PLAN AS LATE FOR ANY PURPOSE. 

15 USC 1681 SECTION 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

Also, In accordance with the fair credit reporting act XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX XXXX. 
have violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
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. THE LIST OF INQURIES BELOW VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS AND CONFIDENTIALITY UNDER 15 USC 1681. 15 USC 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 USC1681. 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH MY WRITTEN CONSENT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX 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

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 2022-06-22
Company: Grain Technology, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been emailing Grain Technology Inc Credit since XX/XX/XXXX trying to make a payment on my account and update my payment information. I haven't received any response from anyone. The only responses I receive from them are automated responses. This is very frustrating and aggravating as they are reporting my personal credit with late payments. I have emailed them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have verified all documents through the app, but the application is not working seem like a scam. Things were perfect at first. 

Please assist with this company Grain Technology Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Experian Information Solutions 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:
I SUBMITTED A COMPLIANT IN XXXX REGARDING ACCOUNTS REPORTING TO MY CREDIT REPORT THAT WERE DUE TO IDENTITY THEFT AND EXPERIAN IS STILL SHOWING A CELL PHONE BILL THAT SOMEONE OPENED WITHOUT MY CONSENT.

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 2022-11-25
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Even though it was working flawlessly when I first used it, when I try to use my Vanilla gift credit card on their website to check the amount again, I get a message saying there was a problem and to try again later. 
My third Vanilla gift card has experienced the same issue. I'm writing this feedback since I essentially wasted {$100.00} doing nothing ( my fault for making a third purchase from them ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: AMERICAN HONDA FINANCE CORP
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:
On XX/XX/XXXX, Honda Account # XXXX was sold to XXXX dealership as part of a trade in. On XX/XX/XXXX the dealership electronically sent Honda finance the payoff amount requested and also issued a invoice check dated XX/XX/XXXX. Honda was also notified via telephone of the events. According to the verified check, Honda did not finalize the payment until XX/XX/XXXX as shown on the copy of the payoff check. I have attached the lease agreement to show that the due date each month for Honda was the XXXX. If the vehicle was sold on XX/XX/XXXX how can this report 30-59 days late. If the vehicle was paid late that would mean Honda did not receive payment prior to XX/XX/XXXX which clearly is not the case. The check verifies payment was made in a timely fashion by the dealership and electronically withdrawn. 

It is your job under ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) to properly address these mishaps. Especially when incorrect information only started to appear on XXXXXXXX XXXX XXXXXXXX, 7 months after the closure of the listed account. This is a gross error and a poor job on XXXX to not properly verify this information when there is clear contradictory evidence. Failure to remove incorrect information can and will result in litigations and fines. Please make this correction immediately as this is causing mental stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: FL
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:
Hey I am writing to dispute the following information on my report. 
This item Account XXXX XXXX XXXX Account number : XXXX is inaccurate because I have never opened an account with the creditor I filed an police reports and an identity theft report and sent out to XXXX and Experian I also asked XXXX and experian for steps use to validate this account several times and the original contracts between me and the original creditor agreement with my signature neither XXXX or experian nor the original creditor was able to do so the last several months XXXX and Experian Violated my rights under The FCRA by not following the basic Laws. I am requesting that this item be removed immediately from my credit report. 

Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681 ; ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 ( 15 USC 1681 ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at the address noted above.

Also, I would like to remind you, using the E-Oscar method to verify this debt, which you are aware of, is against the FRCA guidelines. Please also include in your own reply the method used to " verify '' the debt you claim I owe XXXX15 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: In progress
Consumer complaint received 2022-10-27
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here are the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-08-20
Company: BERKSHIRE HILLS BANCORP, INC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I received correspondence from Berkshire Bank regarding their sharing of my personal information. It states that to limit their sharing I can call XXXX and their menu would prompt me through my choices. When I call that number the menu does not include a prompt that would enable me to make choices regarding sharing my information.

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 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
Ok so on XXXX I sent all 3 bureaus about some of the unknown and inaccurate things on my credit report. I can't even believe it but it's been well over 30 days and honestly about 60 DAYS NOW AND I HAVENT GOTTEN A RESPONSE OF MY DISPUTE AT ALL! I even sent a second dispute letter that is notarized just in case they didn't think it was me! I don't like being taken advantage of but by ignoring my disputes that's exactly what's going on here! I have called and nobody even has a confirmation number for me! Section 611 ( a ) states that a failure to investigate disputed items within 30 days gives a reason to immediately remove those items from my credit report and it has been about 60 days so they should be deleted promptly. I demand that the accounts are deleted expeditiously or I will have to file for litigation due to the stress you have caused me and my family. My info definitely got impacted by the data breach at XXXX! Please note that it may be in other hands!

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 2022-08-20
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently checked my credit report and noticed a number of inquiries that was made by me. I reached out to the credit bureau and disputed the accounts letting them know that my identity was stolen nothing was done I've also .submitted a complaint with identity theft .gov XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Auto ) XXXX XXXX ( Auto ) XXXX ( Finance ) XXXX ( Bank ) XXXX XXXX XXXX ( Auto ) XXXX ( Bank ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX I received 2 letters from US Bank. One stated the same as my previous complaint. The second was a retaliatory letter claiming " fraud '' and the inability to raise my credit limit without proof of ID, social security, et cetera. 

This is clearly retaliatory actions as apparently a credit card can be opened without this information, but the moment a complaint is submitted there's a " threat of fraud '' The lack of professionalism and predatory card services is just overwhelmingly disgusting and this adversely affects my credit if I were to get another credit card, etc. It's unbelievable that a bank can get away with 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 2021-11-25
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I had a large amount of GYEN in my Coinbase account. I tried to transfer it to another crypto, it failed. I tried again and it went through, but not for the amount I was shown would be traded. Everything else disappeared - I lost about {$8000.00} usd worth of XXXX into thin air. So {$10000.00} usd or equivalent in crypto seems fair. 

Lots of other people had the same or similar issues. 

If I go to the grocery store and a bag of apples is XXXX I get a bag of apples for {$5.00} - even if they meant {$15.00} If Coinbase showed me transferring from one crypto to another at one price, I should get it. So should everyone else who had these issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-28
Company: Southwest Credit Systems, L.P.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit found this collection account on my credit report Southwest Credit System I was unaware I dont recall get any information on this account or any notice to dispute it I did dispute it with Credit they were removed for 4 days and they put it back on. Under FDCPA Law I had to recive action notice and write to dispute the account. I did not. I want this account removed from my credit and throw it away

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: AL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: TX
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 Accounts # XXXX, # XXXX, # XXXX and # 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 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