BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-21
Company: Experian Information Solutions Inc.
State: CO
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:
Hello Experian is reporting this account inaccurately. The account has been PAIDS IN FULL and is outdated. Experian is reporting a balance on a charge-off account. I have asked them to correct this inaccurate information and remove this tradeline at once. 



Hello Experian is reporting this account XXXX XXXX inaccurately. The account has been PAIDS IN FULL and is outdated. Experian is reporting a balance on a charge-off account. I have asked them to correct this inaccurate information and remove this tradeline at once.

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 2022-04-28
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX  account # XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XX/XX/2022 15 U.S.C 1681 section 602 States I have a 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 report more than 7 years.

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 2022-04-28
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX account # XXXX Inquiries : XXXX XXXX XXXX Requested XX/XX/2022 15 U.S.C 1681 section 602 States I have a 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 report more than 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I was told to call my unemployment us bank card about my funds and I got no respond back. Now, I email the unemployment about my bi-weekly claim and they told me to call the card. Which I been trying all day & yesterday about my funds. I had went online and XXXX keeps saying this card not even activated but I do have a PIN number. The online system isnt responding my request. I been calling all morning about my issues about this card. I need my funds. Every time I call it back the line is busy. Or it just hang up

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 2021-11-21
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt {$350.00} for an old XXXX bill however they still have the debt on my credit but change the total to {$340.00}. I am submitting a copy from the debt collector ERC which took over the debt from XXXX. I am asking this to remove this from My credit report as I have already paid. Please see attached copy from my bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
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:
on XX/XX/2021 i sent a letter of validation to XXXX XXXX XXXX XXXX. i have not received proof of validation as of yet. They also accessed my consumer report without written or verbal consent. under XXXX us code XXXX the consumer has a right to privacy. i have also received multiple letters from them with name and logo on mailing envelope. this is violation of XXXX us code XXXXf. XXXX us code XXXX was not disclosed to me either this is also violation of XXXX law. XXXX XXXX XXXXa was not disclosed to me. XXXX XXXX is attemping to collect an alleged debt illegaly via XXXX XXXX. article XXXX section XXXX states debt can only be paid with silver or gold. i truly feel like im be taken advantage of. If this alleged debt is not stated paid in full immediately. i will file litigation due to XXXX and unlawful use of my consumer 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 explanation
Consumer complaint received 2021-11-21
Company: EQUIFAX, 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:
on XX/XX/2021 i sent a letter of validation to XXXX XXXX XXXX XXXX. i have not received proof of validation as of yet. They also accessed my consumer report without written or verbal consent. under XXXX us code XXXX the consumer has a right to privacy. i have also received multiple letters from them with name and logo on mailing envelope. this is violation of XXXX us code XXXXf. XXXX us code XXXX was not disclosed to me either this is also violation of XXXXl law. XXXX usc XXXXa was not disclosed to me. XXXX XXXX is attemping to collect an alleged debt illegaly via XXXX XXXX. article XXXX section XXXX states debt can only be paid with silver or gold. i truly feel like im be taken advantage of. If this alleged debt is not stated paid in full immediately. i will file litigation due to XXXX and unlawful use of my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
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: Public record information inaccurate

Complaint:
There is a Tax Lien that was filed with  XXXX   County Superior Court t hat is reporting inaccurately on my Equifax Credit Report. I complained about this a few weeks ago and  XXXX  and  XXXX   XXXX  both removed it from public record. However, for some reason Equifax is saying that they verified it through  XXXX   Consumer Center. I work  in  XXXX  and I know that  XXXX  just reports information ... not verify if it 's correct. How can  XXXX  credit reporting agencies remove  it but not the  XXXX  one???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: DISCOVER BANK
State: CA
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:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Lowes credit card ending XXXX is not being reported to the three major reporting agencies. I would like this reported immediately.

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 2021-11-21
Company: Bread Financial Holdings, Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Card ending in XXXX is not being reported to the credit agencies as promised. I want accurate reporting of this revolving account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am a scam and Identity theft victim. In   XXXX   XXXX      two pe ople scammed me, took my credit cards, drivers license and open additional accounts in my name.     I filed reports with the following : Police, FTC, CFPB, The Attorney General and the    XXXX   county DA office . There are quite a few people who were scammed by  XXXX   XXXX  AKA  XXXX   XXXX   XXXX  and  XXXX   XXXX  AKA  XXXX   XXXX .     There are  six people that I know who have filed police reports on these two an d we are all working together toward getting justice. Now, I have disputed the charges on  XXXX  /Wells Fargo NA..  THESE CHARGES ARE FRAUDULENT.     I request a copy of the investigation because I know the charges are fraudulent and there were several charges for phone service that I want to know who these belonged to. I could not get the information from   XXXX   XXXX   XXXX   and   XXXX   since I did not have the account number they would not provide it to me nor would  XXXX /Wells  Fargo. Plus all th e other charges.     I was refused this information which violates my rights.     Despite numerous attempts to resolve this matter I am still being harassed to pay these fraudulent charges since   XXXX   XXXX    . ( 10 months ) I will repeat myself. THESE ARE FRAUDULENT CHARGES. Its time to come to terms with this.     The credit bureaus have removed the accounts. Now I request that  XXXX  /  Wells Fargo NA remo ve all fraudulent charges.     I am providing some additional information.     Check out the facebook  page. Scroll down  all the way down.   XXXX   XXXX   XXXX   They boost about money and only criminals do this.     I have provided some pictures of the scammer and they bragging.     I just want it all to go away. I DID NOT MAKE THESE CHARGES, And  Wells Fargo knows this.      PS : I can provide witnesses and their police report upon request.

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 2019-12-13
Company: TD BANK US HOLDING COMPANY
State: CA
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:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: Amsher Collection Services, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE A COLLECTION ON MY XXXX XXXX FOR {$1100.00} FROM XXXX. THIS NOT MY DEBT I DONT KNOW WHY THIS IS ON MY CREDIT CAN YOU PLEASE HELP ME AND HAVE IT REMOVED AS SOON AS POSSIBLE, PLEASE HELP, THANK YOU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Duncan Solutions, lnc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX has been attempting to demand payment for a debt that I have already paid. I have contacted them on several occasions to provide proof that this debt was paid, however, they refuse to clear the account and continue to contact me and demand payment. <P/>I first contacted them on the phone after receiving a bill. I explained the situation, however, they continued to send notices. <P/>On XXXX XXXX 2017 I contacted them again via written letter. I included the account number, violation number, the check number it was paid with, and when it posted to my account. I never received a response. They continued to send me notices demanding payment. <P/>On XXXX XXXX 2017, I wrote another letter and enclosed copies of the checks that the client they are collecting for cashed. They are still sending notices. <P/>On XX/XX/XXXX, I contacted the original creditor who sent the debt to the collector ( XXXX XXXX ). They stated that I would receive a return call, but I never have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$350.00} XXXX XXXX Balance : {$0.00}

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 2017-04-13
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Along with this, they have sent various letters after making online payments stating that the bank has denied the payment and returned it. I check my bank account various times during the day and not once has it showed a return payment or any type of nsf fee charges due to such. I talked to Midland credit about this and the response was that the letter is automatically generated due to not having recurring payments set up in order to pay the account.They have also stated that if not paid they would take it to court, I have tried to settle the debt, I agreed to go online by the end of month and pay XXXX each month.

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 2021-11-21
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was manipulated to buy a new coin listed by Coinbase on this Tuesday XX/XX/2021 and Wednesday XX/XX/2021 at very high price and this crypto platform decided to delist it after doing something to make the value drop very low. They are now freezing my fund which is already lost in half. The coin increased 6 folds in a few hours so when it dropped down, many people included me saw it as a dip and bought at high-price. Coinbase allowed us to buy at that price but then delisted it at very low-price within 24 hours! It shouldn't be called or quickly fixed into a " stable coin '' if it wasn't behaved as a stable coin! Coinbase shouldn't let people buy at higher price than its intended " stable value ''. They shouldn't get customers ' money at higher price, print a lot of coins and keep the coins for themselves while customers definitely lose the money. Who would invest on that? The behavior is extremely unusual and signaling a scam scheme. Coinbase also fixed up its chart so it never showed the peak at 6 folds, but I have proof from an independent crypto chart. I am very upset because the coin value was misleading, and this whole time I could use this fund to invest on another coin of interest and earn 4 times profit. But right now, not only my fund is cut in half, it's also frozen and coinbase has no answer on reopening date and compensation. Coinbase has done this sometimes in the past when I traded other coins. I wasn't able to sell my coins when it's at higher price ; by the time I was able to sell, it's already low and I lost much money. However, they let me trade or transfer to a coin that's losing value suddenly ; the result is that I also lost money that way. Their buying price is usually 10 % higher and selling price is 10 % lower so many times I made no profit or just lost ... despite the fact that the coin value increased after I bought it! So far I lost a few thousands with coinbase, but this incident alone is a clear case of abuse and scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: WI
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:
In accordance to the fair credit reporting act, Inquiries : XXXX XXXX XX/XX/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 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 XXXXXX/XX/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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed the Chapter XXXX Bankruptcy that is on my credit report with Equifax and they did an investigation and after 1 days time I received a response from Equifax stating the investigation was complete and the report was accurate. I called the Federal Bankruptcy Court in XXXX and I was advised that once they report it to the XXXX credit reporting agencies they do not report it again or ever update it. I was told by Equifax that the info was obtained from XXXX. I called them and they removed all information from their database. I again filed another dispute and received the exact information from Equifax that the information was verified through XXXX but I never told Equifax that XXXX had removed all the info on the bankruptcy a moth prior to me filing the second dispute. I asked them to remove it from my file since it could not be verified through their contact XXXX and they refused to remove it so they are reporting this under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
They past few month I have received a statement in the mail or online or or by phone communication for the debt. I recently moved and had all my mail forwarded. I also do not have consistent work right now due to some changes in income and a medical condition. The only way I found out I had fell behind was because they reported it on my credit report. I didnt get a call trying to collect the debt or any letters in the mail about the balance like a company normally does.

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