BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see verifiable proof, an original consumer contract with my signature on it, that you have on file for the accounts listed below. If you do not do this, I demand that the following accounts be verified or removed immediately from all 3 credit reports, XXXX account no. is XXXX... 
XXXX  account no. is XXXX .... 
XXXX  account no. is XXXX .... 
XXXX XXXX account no. is XXXX .... 
XXXX XXXX  account no. is 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 2022-06-08
Company: Experian Information Solutions Inc.
State: NY
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 I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were COLLECTIONS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge, including this incorrect information from my personal profile. A copy of my Bank statement, drivers License, and Social Security Number for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following are inaccurate addresses : 4 XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX also these are the following accounts : XXXX XXXX XXXX XXXX XXXX, I'm not liable for this account. Please provide all verifiable documents from this company, if not please remove them asap.

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 2022-07-28
Company: Experian Information Solutions Inc.
State: PA
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 XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XXXX XX/XX/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 : 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 2022-06-07
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: Account information incorrect

Complaint:
XXXX XXXX, {$3000.00} Representative stated to me that paid off balance will be reported as {$0.00} agreed upon because of my fast payment. XXXX XXXX XXXX XXXX did not have my permission to run my credit threw different lenders for approvals.

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 2022-04-25
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:
In accordance with the Fair Credit Reporting act the following companies has violated my rights XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Section 602 A. States that 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 an 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 2023-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I opened a promotional XXXX XXXX Savings account with Capital One and authorized {$10000.00} to be withdrawn by Capital One from my XXXX XXXX checking account XXXX. Capital One withdrew {$10000.00} twice, causing severe overdrafts and bounced checks in my XXXX XXXX account. Capital One staff were unwilling to help, a managerial team member even hung up on me when I asked for the transfer to be reversed. I opened a claim with XXXX XXXX to mitigate overdraft and return fees. Capital One eventually reversed the transfer, but only after significant embarrassment and damage from reversed checks to businesses, contractors, and nonprofits as well as lack of funds fees had occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
Coinbase XXXX Debited my account for large sums of money with my permission and on multiple occasions they told me they didn't receive it and can't find it. 

They deducted the balance from my bank account, they deducted the amount of money in my Coinbase and restricted my account so I can not properly move what is left. 

I have them full details on transaction ID numbers, dates etc. and they told me in writing they can not find and will not restore or resolve this issue, they instead told me they would escalate the matter to a department I could not reach by phone and gave me no timeline on resolution. 

I spoke with my banking institution and they told me they had to wait to dispute it because they could not believe an institution like Coinbase could lose money like that at as it is all tracked and very clear. 

Coinbase 's accounting is also an absolute nightmare, they couldn't tell me how much money I intended to put onto their platform or how much settled on their platform. 

I have never encountered such an issue, I was unsuspecting as they are very large, in the USA and publicly traded. Their customer service is outsourced, very confusing and they do not have the proper accounting to resolve issues even if they did. 

I paid for an insurance policy through Coinbase for my account. 

I attached documentation and can provide more upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: TN
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: 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 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 2023-10-09
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is reporting inaccurately and incomplete. I have requested documentation from this Financial Institution and have not received a response or the information I requested. It has been pass 30 days. Certified Mail Receipt : XXXX XXXX XXXX XXXX XXXX XXXX I have been disputing this account and no proper investigation has taken place and this is a violation to my consumer law rights and my mode of living. This account needs to be deleted from all 3 consumer reporting agencies immediately.

Certified Mail Receipt 01 :

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 2022-07-28
Company: DISCOVER BANK
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : DISCOVER BANK Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: MI
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:
I've discovered numerous of inaccuracies and wrong reporting information. That pertain to all three credit bureaus. 

XXXX XXXX- There are different activity dates, closed dates are different from Equifax, paid off accounts reporting settle for less/Derogatory, account balances incorrect. 

I've called and wrote letters to every credit agency. As they report verified, the information is still reporting the same. All three bureaus are reporting different information, causing damage on one bureaus and 3 problems with the other two bureaus. There are reporting dates of activity on accounts. That's been closed for nearly 7 years. I've discovered late payments dates that are not reporting accurately. 

In accordance with the Fair Credit Reporting act 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.1618 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 2022-07-01
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: Investigation took more than 30 days

Complaint:
I have contacted XXXX, XXXX and Equifax about false, inaccurate reporting in formation on my credit report. I have sent in multiple certified letters to get this Information removed from my credit report. They have said the information was verified but in accordance with a CFPB complaint I did directly with the reporting company this account is in a cease and desist and should be deleted from my credit report immediately. 


CFPB Complaint Number : XXXX Company 's Response XXXX XXXX XXXX reviewed and investigated the complaint. XXXX XXXX XXXX is a third-party debt collection agency acting on behalf of the original creditor. We did not purchase this debt. According to the original creditor, this is a valid debt. XXXX XXXX XXXX updated XXXX XXXX dispute and notified the credit bureaus as required by law. We requested verification of the debt from the original creditor and will mail a copy to XXXX XXXX upon reception. We updated XXXX XXXX account to cease and desist further communication regarding the matter, pursuant to her request. Aside from mailing her verification of the debt as she requested, XXXX XXXX will not receive further communication from XXXX XXXX XXXX regarding the matter. XXXX XXXX XXXX wants to help bring resolution to this matter. If XXXX XXXX has any questions or concerns, she can contact me directly. My name is XXXX XXXX, I can be reached toll free at XXXX extension XXXX or emailed at XXXX. Thank you for your assistance and resolution regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: EQUIFAX, 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:
This account was never past due. Originally serviced by XXXX, was always in forbearance. After was serviced by XXXX XXXX XXXX. We extended forbearance until it was transferred to XXXX end of XXXX XXXX. Made first payment on XX/XX/XXXX before it was due in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, 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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My account was closed around XX/XX/2022 with out my knowledge when I have XXXX percent payment history and always payed my bill on time. 

I just recently had a family member pass and I asked for helped regarding my minimum payment and was told there was nothing they can do if a certain minimum amount was not made. When they could help me with a lower APR, lower monthly minimum etc. I only found out my card was canceled when attempting to schedule a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Self Financial 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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not a payment on a credit card account under and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Affirm Holdings, 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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not a payment on a credit card account under and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XXXX contacted me today about my complaint I filed against them on XXXX. I had been drinking early this morning, I had XXXX XXXX ounces bottle to XXXX XXXX XXXX. The representative from XXXX / Bridgecrest pressured me into making auto loan payments that is past due for XXXX and XXXX. Representative advised me that I am denied deferred for payments due on XXXX and XXXX. Moreover, was denied the same deferrement the week before XXXX. That make it the second denial and prior to XXXX, I did not have any late payment 30- days past due. Account was opened in XX/XX/2020. I called Bridgecrest this evening and filed for another deferment for XXXX & XXXX. The monthly payments are {$370.00}. XXXX / Bridgecrest totally disregarded the Cares Act which states that creditor are to work with consumers in regards to payment arrangements. I have a financial hardship and I cant believe that I am going back and forth with BridgeCrest. Bridgecrest does not want to help me. CFPB please help enforce the Cares Act that is here to help consumers like me that has an financial hardship. Dont want BridgesCrest to keep calling me and asking for payment knowing that I filed an complaint against them with the CFPB.

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 2022-07-28
Company: EQUIFAX, INC.
State: PA
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 XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XXXX XX/XX/XXXX, XXXXt XX/XX/XXXX and XXXX XXXX XX/XX/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 : 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 2022-07-01
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: Personal information incorrect

Complaint:
So i sent a letter off on XX/XX/2022. To remove personal information that i dont want on my credit report. According to the Fair Credit Report Act 12 USC 1681. I have the right to Privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protection consumer rights..

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 2022-09-21
Company: Maximus Education, LLC dba Aidvantage
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:
All three credit bureaus have my student loans inaccurate on my report, a couple of reports dont have some but other reports have them, all credit bureaus should be all accurate with same accounts and all those accounts should be off my credit report

Company response to consumer: Closed with explanation