BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-09
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I contacted COMINITY CAPITAL BANK in XX/XX/2022 requiring debt validation on an alleged debt & also a cease and desist. COMINTY CAPITAL BANK responded stating the alleged debt was valid and provided no proof. I again requested that COMENITY CAPITAL BANK provide proof of debt validation for the alleged debt to which they refused. COMINITY CAPITAL BANK has continued to send monthly bills requesting payment for the alleged debt in violation of the cease and desist they have on file therefore causing extreme stress in my life because im trying to pay a debt that i do not owe. this stress is trickling down to every part of my life and causing strain on my marriage. COMENITY CAPITAL BANK has been the cause for so much stress in my life and to make matters worse they illegally reported a late payment to the credit reporting agencies & refused to remove it unless i made the minimum payment on this debt that theyve failed to prove to be mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18
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:
I have had some very serious issues with my credit file over the past few years and I recently discovered that there are several problems and inaccurate data ( information ) that need correction as soon as possible. Somehow there is 3 different SS on my file, unknown addresses on my file, and so fraudulent account that do not belong to me. My correct spelling of my name is : XXXX XXXX XXXX my SS XXXX my DOB XXXX I have unverified accounts from the following companies : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: NJ
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:
In XXXX I sent a letter to XXXX XXXX XXXX XXXX agency to inform them that I am not aware of an account with them when I noticed they were reporting on my credit report. 
Account was then sold to XXXX funding in XX/XX/XXXX in which XXXX funding claimed I owed them money as well. I explained to XXXX funding that I did not have an account with XXXX but XXXX also started reporting on my credit report. XXXX funding is currently on my credit report twice with XXXX separate account numbers for the same supposed original creditor ( in which I explained to them, that I have no knowledge of the original creditor ). 
As of today, XX/XX/XXXX, I have been contacted by XXXX XXXX services that they are now in receipt of the account from XXXX funding, in which again I do not acknowledge having received any credit from XXXX funding.

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 2022-06-09
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
SLS denied my loan modification but their not giving me specific reason ( s ) see attached.

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 2022-08-03
Company: U.S. BANCORP
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I did a voluntary surrender to US Bank with my RV. The RV was in A+ condition I tried to sell it and they would not lower the payoff. When I surrendered it to US Bank they rented it out for California fires for people to live in. When they got the RV back maybe one year later they auctioned It Off for half of what it was worth. They also wrote off the debt as a bad debt. Now it is showing up on my credit statement as collecting interest monthly and that amount I still owe. It was showing as a bad debt that was written off for one year and then they put it back on as collecting interest still in collections .They are showing it as a personal loan not an RV loan that was written off after it was leased out.

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 2022-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 was charged XXXX  on a car rental in XXXX. I am an American citizen, visiting as a tourist. I am exempt from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: GA
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 NOT a request for verification or proof of MY mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections, if any negative mark is found on any of MY credit reports by THESE COMPANIES or the company that you represent, you are in direct legal violation of the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Fair Credit Billing Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I HAVE received proper validation and your offices have provided proper proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of MY credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. IF THIS INFORMATION IS NOT OFF Y CREDIT REPORT WHITHIN 5 DAYS IVE SENT THIS OUT, I WILL HAVE NO CHOICE BUT TO FILE SUIT AGAINST YOUR AGENCIE. UNDER 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Coinbase, Inc.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
At this time Coinbase is giving me the run around about the transfer of my {$2700.00} + balance in a lost-access Coinbase account. I have submitted multple proofs of identification only for them to approve it and then send me emails asking me to do the same thing, over and over. Coinbase is deliberately and inadvertantly using XXXX to thwart me from gaining access to my old account. My account is traced through an email named : XXXX. I can no longer gain access to the gmail account. Coinbase needs to attach my account to my name, not through XXXX!!!! I already knew where this was going so I am preemptively filing this complaint. I do not have time to go back and forth with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX XXXX I had {$1400.00} transferred to a account that I stated to fraud people at XXXX bank America that I have no bank account and said my account was hacked all my info was changed I had to go in bank to show identity and have them verify me to fix my XXXX bank America account.and today I call and they say was denied how is that I ask when I've been hacked and money stole off my account.mybrent is due and no way pay due to bank not investaging this better. 
I have no bank account and told them don't transfer nothing off my card anytime.or no online orders plz help me get my money back asap so I don't have be put in st due to no way pay rent due to scamming ppl Thank you

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 2023-01-04
Company: EQUIFAX, INC.
State: NY
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 have ask the Credit to remove the five accounts from my credit report in XX/XX/2022. It is my Consumer right to the right or Privacy U.S.C Section A Right to Privacy. U.S.C. Section 604 A Section 2 nothing should be written on a consumer report without written permission from the consumer. The accounts have been either paid and was told it was being removed plus i have my credit report which have different dates which i received notice it was verified on all four accounts including the XXXX XXXX XXXX complaint i also filed the four accounts are 1. XXXX XXXX XXXX 2 XXXX XXXX XXXX XXXXXXXX 3 XXXX XXXX XXXX XXXXXXXX 4 XXXXXXXX XXXX XXXX XXXXXXXX 5 XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted several letters to all 3 credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with ( XXXX  ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

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 2022-08-03
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Local branch of KeyBank closed in XXXX XXXX, Ohio in XXXX and was inconvenient to me to travel to the next closest branch and I wanted to consolidated multiple different bank accounts. Withdrew all my fund out in XXXX and proceeded to close my savings ( XXXX ), however checking could not be close due to a the pending transfer of fund out. Returned 5 days later after pending transfers finalized to close my checking account at the XXXX XXXX branch. I thought my checking account was closed following that visit. I proceeded to shred my debit card and check pad. 

Last week, 2 months after I thought it was closed, I received notification it was still open and now overdrawn due to monthly service fees. I went to the XXXX XXXX branch on Sat XX/XX/30. The representative at that time was able to cancel the XXXX service fee but not the XXXX. Today with no resolution seen, I called Keybank but the representative over the phone was unable to waive the maintenance fee or close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX I Filed a complaint for fraud to the amount of {$3500.00} with Wells Fargo XXXX They temporarily credited the amount of {$3500.00} to my account and I received a written letter in the mail on XXXX Stating that after there investigation into the matter the fraudulent charges were authorized by me or someone else that I knew and that the claim has been closed. In other words they were unwilling to help me.This is NOT true and none of those charges were authorized by me.

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 2022-09-30
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried several times to have Credit Acceptance review the car loan listed on my credit report. They have failed to do so I have submitted proof several times the car loan was not mine. They still will not resolve the matter.

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 2022-09-30
Company: Avant Holding Company, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Im currently past due with my Avant Credit Card due to 2 consecutive deaths in my family that I experienced in XXXX. Ive still have yet to recover from my financial short comings, however Ive reached out to Avant and advised them such and attempted to work with them in order to not further impact my credit. Unfortunately we werent able to agree on the same terms and I advised that I will work to bring the account to a good standing. 
Since that conversation Ive been contacted consecutively by Avant and its now appearing as harassment. 
On XX/XX/2022 alone, Ive received a total of 7 phone calls from Avant. For the week of XX/XX/2022, Ive received a total of 20 phone calls. Avant has also went as far as to text my phone regarding the debt after XXXX EST. 
Avant is in violation of Fair Debt and Collections Protection Act by the consecutive phone calls being placed on my account in attempt to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: MO
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, Account Name : XXXX  Account # XXXX, Account Name : XXXX  Account # : XXXX, Account Name : XXXX  Account # : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX Account XXXX : XXXX, Account Name : XXXX XXXX XXXX  Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The XXXX XXXX XXXX XXXX XXXX XXXX submitted a complaint to the XXXX XXXX XXXX for an alleged debt with private XXXX loan XXXX XXXX XXXX XXXX XXXX. I previously requested the debt be validated showing that XXXX XXXX XXXX XXXX XXXX shows that they are holding my original note/instrument.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: MN
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:
XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # 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 XXXX : 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 2022-07-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act 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 instructions. 

The information being reported is inaccurate and currently being paid. Please see attachment.

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 2022-06-09
Company: Experian Information Solutions Inc.
State: LA
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 sent letters off on XX/XX/2022 ( tracking # XXXX ) to remove personal information that i dont want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to15 USC 6802. No financial institution is suppose to share my information to third party people. THESE ARE CLEAR VIOLATIONS OF MY FEDERALLY PROTECTED 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 2017-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Transunion credit Bureau remove inquiry from my credit report and place them back on my credit report with given me  a five d ays nofication that they was gon na place them back on my credit report  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 explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
It has been improperly reported that our account with XXXX XXXX was included in a bankruptcy. We did have a bankruptcy that was discharged in XX/XX/XXXX but we were able to keep our house. The address was XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. We sold this house in XX/XX/XXXX. We are now trying to purchase another house and we are running into problems because Our credit reports are stating that the property at XXXX XXXX was included in a bankruptcy and it was not. The loan was paid in full when the property transferred in XX/XX/XXXX when we sold it. We never missed one payment on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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: Was not notified of investigation status or results

Complaint:
I have 4 accounts that do not belong to me and 2 previous addresses that are non factual I never lived there and one account that I was not late on

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile

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