BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-21
Company: Forster, Garbus and Garbus
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received correspondence from this company twice. Both occasions, after requesting validation of debt, and not receiving the validation in a timely manner, or return phone calls, this company filed suit in XXXX XXXX in XXXX County,  New Jersey. Let me be clear, at no time did I deny the debt was mine ; I requested validation so that I could compare my information to the information I was being sent. Under the Fair Debt Collection Practices Act, ( " FDCPA '' ), it is my right to request validation of debt. This company ignores those requests. I honestly do not know how their clients can be so clueless as to allow them to continue to do this sort of practice of debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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 XXXX Account 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

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 2017-10-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in a Chapter XXXX Bankruptcy case and Wells Fargo refused to consider my loan modification application even though the automatic stay is in place. They have adjourned my sale date in incremental amounts to ensure that they would not have to evaluate my loan modification application which is a violation of the automatic stay. 

XXXX from Wells Fargo is the employee that violated the Federal Automatic Stay by refusing the evaluate my loan modification application. 

I am also filing a motion for sanctions for violations of the automatic stay.

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 2022-07-05
Company: TD BANK US HOLDING COMPANY
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 received a credit card from XXXX that I didn't apply for. The credit score was for {$300.00} and {$100.00} was already charged to the card. I did report to the XXXX  department but the moment I called Fraud department was closed so I had to contact them the following day. I contact Fraud department Saturday morning XX/XX/2022 and the account was closed and there was more information hared to me about how the account was open. The account was open online and the information I shared with the fraud department didn't not match with the information input online at the moment the account was open. The fraud department recommended that I contact XXXX and other credit score company to report this fraud and put an alert on my credit. So I contact XXXX and they recommended for me to make my repot to FTC and have you guys help with the investigation and help so this doesn't effect my crdito score.SO if you have any further questions please contact me I just don't want this to effect my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29
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:
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 2018-10-27
Company: Bread Financial Holdings, Inc.
State: AZ
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:
XX/XX/18 XXXX XXXX placed a Hard Credit Inquiry for a  XXXX. This inquiry was not made by me. XXXX could not say how the inquiry was made online, in person or by mail. They did tell me they closed the account, which didnt make sense because according to the letter they sent me an account was not granted. They agreed to remove the inquiry but it remains on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: AL
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.XX/XX/XXXXAccounts- XX/XX/XXXX XX/XX/XXXX( Acc. # XXXX ),XX/XX/XXXXXXXX XXXX XXXX # XXXX ), XXXX 's XXXX XXXX Acc. # XXXX ), XXXX XXXX ( Acc. 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 Session 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

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 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 2021-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am moving out and had to sell some items. A person named XXXX contacted me asking my couch for {$400.00} and settled. She sent me a cheque from XXXX XXXX  for {$1300.00} on XX/XX/XXXX saying the rest was for the movers. The funds was deposited and it was available in my account for a few days. She sent an email where I had to send the remaining amount of {$900.00}. That email is XXXX. The day after I sent it ( XX/XX/XXXX ), My Bank ( Bank of America ) took {$1300.00} from my account saying there wasn't sufficient funds in the senders account. I contacted the bank saying if that was the case, Why was the amount given to me in the first place and even if it is taken, it should be taken from the senders account. But, they did not help.

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 2017-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
I purchased a " club '' membership from XXXX XXXX XXXX on X/XX/2017, included in this I also purchased a product of which I am not disputing. the total dispute amount is {$38.00}. I am requesting the refund of {$29.00}. I attempted to resolve this matter with the merchant to no avail. I then disputed the charge with my card issuer XXXX XXXX.
They made a very feeble attempt to resolve the matter by sending me a copy of the receipt. I already had this receipt. I am not sure at what level of common sense the dispute department operates at. Proof of purchase was not at issue. It is now going into 3 months and I am getting no where with either party. I am requesting this agency, assist me in recovering funds owed me. These merchants play games with consumers and do not take responsibility for there actions or lack there of. I will take this matter for the sake of principle to whatever the law allows, so others may be protected from these types of abusive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
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:
On XX/XX/2020, I contacted XXXX  at XXXX to cancel my wireless service. At that time, I was told that I would be sent a final bill. On XX/XX/XXXX, I received an email notification stating the following : Friendly reminder Past Due Amount : {$130.00} Total Amount Due : {$170.00} Account Number : XXXX Date : XX/XX/2020 On that very day ( XX/XX/2020 ) I contacted XXXX  at XXXX and spoke to an agent for 15 mins explaining that I had cancelled by service on XX/XX/XXXX. The agent agreed with the cancellation date and stated I would receive a final bill. 

Yesterday, XX/XX/XXXX, I received a notice from Sequium Asset Solutions informing me that I owe {$170.00}. I have now spoken to 2 agents and only a few moments ago I was notified by XXXX XXXX # XXXX that even though I had transferred by phone number to another carrier on XX/XX/XXXX, I still have to pay for service through XX/XX/XXXX hence the bill for {$170.00}. 

Not one person from XXXX on either the XX/XX/XXXX or XX/XX/XXXX mentioned that I would continued be charged through XX/XX/XXXX. This is deception at every level. Here I was expecting a final bill of approximately {$20.00} only to NOW be turned over to collections for a bill of {$170.00} which no XXXX  employee notified me of or took the effort until explain that I will still have to pay the full bill. Their one and only response is " you will be receiving a final bill. '' On the XX/XX/2020 I was told to expect the final bill in a couple of months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was trading with www.coinbase.com i have now stopped and would like to withdraw my funds but my bank account is still not verified even though i have completed the steps they have provided and i am unable to withdraw my funds still. This amounts to near 600 which for me is a lot of money. I have been trying to contact them through every means possible. Email Social media but they do not have any contact telephone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Experian Information Solutions Inc.
State: IL
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 just recently checked my credit on XX/XX/XXXX and I noticed some unauthorized accounts on there. I believe someone has gotten a hold to my information and has been using it for some time now. There is an account with XXXX # XXXX opened XXXX XXXX for {$440.00} ; An account with XXXX XXXX # XXXX opened XXXX XXXX for {$670.00} ; XXXX XXXX # XXXX opened XXXX XXXX for {$160.00} ; XXXX # XXXX opened XXXX XXXX ; There are 7 accounts with XXXX XXXX which looks like its a collection agency for XXXX or XXXX XXXX XXXX XXXX # XXXX for various amounts {$1900.00}. {$710.00}. {$670.00}. {$460.00}. {$460.00}. {$160.00}. & {$34.00} ; There are also numerous inquiries that were made without my permission XXXX XXXX XXXX  on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX  on XX/XX/XXXX ; XXXX  XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX  on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX  on XX/XX/XXXX ; XXXX  XXXX  XXXX  XXXX  on XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX. I in no way gave anyone person to use any of my information to open up or inquire about these accounts that are on my credit 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 2021-03-09
Company: AUTOMOTIVE CREDIT CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently got an update of my credit report showing that it went down. Evidently the loan service lowered my payment amount and closed my auto loan as if I didnt pay it off. When Im fact I paid it off in XX/XX/2020. It took 10 points off of my credit when I am already struggling to pay off the debt I currently have. Not sure what to do or who to contact when regarding this issue.

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 2019-07-29
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Have tried repeatedly to get free annual credit report from Equifax over the last year. Last attempt XX/XX/2019. Can not get report online. They keep telling me do mail in all kinds of documentation i.e drivers license, ss card, utility bill, pay stubs, ss statements, tax returns, birth certificate and on and on and on. This is nonsense. I would never put that kind of information in the mail to anyone. Get my reports from other two reporting agencies without any problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
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:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. I disputed the fraudulent information on XXXX XXXX XXXX XXXX from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
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:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year.

These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account number : XXXX   and XXXX Collector : XXXX XXXX Original XXXX XXXX Status : Unpaid Balance Amount : {$320.00} and {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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