BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-24
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-09-24
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XX/XX/2022 Santander XXXX XXXX : Contacted Customer Service they held me on hold and hung-up. I recalled and the specialist made excuses that the interest was charged from charges earlier in the year in XXXX of XXXX. This made XXXX  sense since I paid the balance in full prior to the due date and the {$6.00} interest fee was charged in XX/XX/2022. 

Santander Bank : XXXXXXXX XXXX is charging interest and does NOT recalculate the interest to card holders on Charge backs. This practice is unethical and generating profit at the expense of the card holder.

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 received a copy of my credit report on XX/XX/23 I recognized 2 accounts that violate Title 15 USC 1681a ( 2 ) ( A ). XXXX XXXX XXXX - XXXX and XXXX XXXX XXXX XXXX XXXX I requested an investigation into this matter no one contacted me with any evidence to validate these accounts. Furthermore the information is inaccurate as well. I have included evidence that will show how these accounts are furnished improperly.

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 2023-03-30
Company: DISCOVER BANK
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 creditor ( discover ) has violated my rights under 15USC1681 section 602 states i have the right to privacy 15USC1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an. account without my written instructions, under 15USC 1666B A creditor may not treat a payment on a credit card acoount under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Today XX/XX/2022 I noticed on my Transunion credit report a hard inquiry for a business called XXXX XXXX which I didn't do any business with. I contacted Transunion to dispute for a likely identify theft issues as I had my wallet stolen back in XXXX XXXX and I am monitoring my reports on a bi weekly basis since that time. After verifying my information with the automated service I then had to do it with the support agent. I got informed I now have to send in documentation to verify myself before any type of assistance will be done. Why do I need to do this if I already did on two separate instances?

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 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This company XXXX XXXX XXXX is fraudulently reporting balances and late payments to the credit bureaus even though I have paid this account in full several months ago. I have contacted the credit bureaus repeatedly to inform them that the account was paid in full several months ago and the company is a predatory lender that has been reported to the Federal Trade Commission Fraud Section. The credit bureaus are reporting a balance of {$640.00} when the original loan was {$400.00} which I paid in full several months. It is a fraudulent account

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 2023-08-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian continues to display these accounts below on my personal consumer report. I am building a suit against Experian as I have disputed these items before and Experian claim these are in fact my accounts and that the my claim for error, identity theft and fraud is continuing to be ignored. Consumer previously demanded that Experian cease and desists and block listed accounts as Experian continue to provide no evidence of to support its claim. I also have chosen to opt-out of each of these accounts being reported to my personal consumer report. Experian continues to violate my privacy. If I have ever given consent, I am now rescinding that consent to furnish any of these accounts onto my personal consumer report. 

XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX  XXXX XXXX XXXX XXXXXXXX ( OPENED XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX XXXX XXXX  XXXX ( OPENED XX/XX/XXXX ) XXXX  XXXX XXXX XXXXXXXX ( OPENED XX/XX/XXXX ) XXXX  XXXXXXXX XXXX ( OPENED XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) # XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXXXXXX XXXX  ( OPENED XX/XX/XXXX ) XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX  XXXXXXXX XXXX ( OPENED XX/XX/XXXX ) XXXX  XXXX ********** XXXX ( OPENED XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX  XXXXXXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX  XXXX XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX  XXXXXXXX 15 U.S. Code 1681b - Permissible purposes of consumer reports-anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance withsection 5318 of title 31orsection 3486 of title 18.

In accordance with the written instructions of theconsumerto whom it relates.

According to FDCPA, a consumer report can not have misleading and false information on it. All late payments are illegal and all charge off 's are a violation of securities fraud and tax evading if not reported as income but I have not received any 1099 's. 

15 usc 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-09-24
Company: EQUIFAX, 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 status incorrect

Complaint:
I have disputed my XXXX XXXX Account with Equifax multiple times over the years and they have continuously failed to properly report my account. It is impossible for my account to be closed AND 120 days late. Also the historical information has continued to be reflected incorrectly over years and has severely affected my reputation. Please delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 filed a dispute in regards to the items on my credit report and it's been well over 30 days and I have not received any investigation results.

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 2023-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
XX/XX/XXXXXXXX  - The riot, protest, whatever occurred in DC. - I was not there. 
XX/XX/XXXXXXXX  - The FBI and Bank of America discussed needed information on ( 1 ) A list of BofA card users that used their card in the vicinity of DC, VA, MD from XXXX - XXXX and ( 2 ) ANY PERSON THAT PURCHASED A FIREARM " GENERALLY '' WITHIN 6 MONTHS. 
Email will be attached. 
XX/XX/XXXXXXXX  -- After hearing about testimony of a whistleblower I wanted to know if my name was given to the FBI because I purchased a firearm on this card. I called my bank and was assured that legally the bank can not give that information out and that BOA adheres to all Federal Laws on Customer Privacy. 
I followed 2 CFPB complaints that resulted in BOA telling me I do not own the account - false information. 
I filed a complaint with the OCC - BofA Regulator. - Denied I filed a complaint with the FTC - No word I filed a complaint with the FED - They do not regulate National Banks. 
I filed a complaint with Sen. XXXX XXXX, Sen. XXXX XXXX, Rep. XXXX. - Nothing The response from the last complaint was not shown as public, and the Bank wanted me to call a number for a discussion. I have called that number several times, no names, just a voice mail that is never answered or returned. 

This is going on since XXXX. The emails are in the Judiciary Testimony of FBI XXXX XXXX XXXX. BOA knows whose name they gave to the FBI without a warrant. 

That is why they keep me in limbo with follow-ups that do not occur of phony numbers that don't work and Erroneous communications to a Federal Agency ( CFPB ) that allows them to defer giving me the answer that could would loosely associate me with XX/XX/XXXXXXXX  events.

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 2022-12-05
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have repeatedly tried to unlock my Experian Report from the fraud alert that was placed on my credit profiles without my prior written consent to do so and it is currently hindering me from being able to qualify for the purchase of my home. This is causing great stress and frustration to myself and y family. I have called multiple times and mailed several letters but the problem still exists.

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 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im not sure who furnished incorrect information to these companies I see on my consumer report!! I never willingly entered into a consumer credit transaction with any of these companies!! I Know this is A direct VIOLATION OF MY CONSUMER RIGHTS. These companies are using false, deceptive practices as well as illegal collection activities pursuant to FCRA.

This is in FACT AGGRAVATED IDENTITY THEFT PURSUANT TO 18 USC 1028A. ANY AND ALL INFORMATION FURNISHED TO THE CREDIT REPORTING AGENCIES RESULTING FROM IDENTITY THEFT MUST BE BLOCKED & DELETED FROM MY CONSUMER REPORT PURSUANT TO 15 USC 1681 C-2. 

IDENTITY THEFT REPORT WAS FILED AND ATTACHED 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 non-monetary relief
Consumer complaint received 2023-08-10
Company: Harris & Harris, Ltd.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the last XXXX weeks I received XXXX calls from collection agency Harris and Harris. Each time I picked up they would immediately hang up on me prior to anyone speaking. I had no context in terms of what the call was in reference to and only later learned they were a debt collector. I eventually called back to inquire what the purpose of the call was at which point they mentioned they were aware of these phone issues and quickly went on to attempt to collect the debt. I was trying to address the situation with the harassing phone calls while they were trying to collect the debt and after asking for the phone calls to stop they hung up on me. I'm not even clear the implications of what that means towards the debt they allege I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: FISERV INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
We are a small new business in the service industry that opened in XX/XX/2022. We signed up through our bank with Merchant services to obtain a Credit Card reader under the Clover name. We were told that at times funds could be held during the first 3 months until we got proper history built. In the beginning we received a few emails stating funds were on hold and was asked for additional information before the funds would be released. These notices were sent via email to my address. On XX/XX/XXXX we noticed that we had not received any funds to our account and inquired to our support person at XXXX  XXXX XXXX. They said they would look into it for us. Time went by and still nothing was released until XX/XX/XXXX, and it was only a few hundred dollars, and not the thousands of dollars we were anticipating. We have been fighting with Merchant services and the clover support group and they are finally starting to release our newer funds here in the last 24 hours. It has been brought to our attention that they have held over $ XXXX of our funds for no reason and with no form of communication. Clover has been almost impossible to assist and has not given us any reason as to why the funds were held. This money is used to operate and support my business and staff. I have been taken advantage of and feel as if someone needs to reimburse me for all interest that money would have brought. This is Fraud!!!

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 2022-06-08
Company: Foris DAX, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
They have had my money withheld and blocked without explanation for more than two weeks and they only ask me to wait. This situation has brought me many problems, delays in my usual payments, such as house, food, car, insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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: Account information incorrect

Complaint:
Recently, Equifax released a statement regarding false information on credit report that have affected millions. I am one of the affected and injured. 

Congress made it clear that you assumed this role as a consumer reporting agency and a financial institution ; I never gave my permission to do this. 

Equifax did not exercise their grave responsibility. 
They were unfair and partial and my privacy was not respected and violated. 

Because of this, I demand the following changes to my credit report : All documentation, on and off the record, of my account be forwarded to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Name corrected and all other errors deleted. 
Address corrected and all other errors deleted. 
Statement about current address removed that it is suspicious. 
All derogatory reports removed. 
XXXX XXXX paid in full without any late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Coinbase, Inc.
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have had a Coinbase Pro account for a while. I was told that I needed to update some information on my account. I realized this was asking about a Coinbase account ( implied to be distinct from Coinbase Pro account due to different websites entirely ). I then proceeded to take steps to delete my Coinbase account, as I do not use Coinbase ( only Coinbase Pro ). The process disclosed that I had about {$2.00} USD worth of XXXX in the account, and before I could close the account, I had to withdraw or donate the {$2.00}. I, of course, chose to donate it. There was no disclosure that I would also be closing my Coinbase Pro account and forfeiting the significant sum of money that I had in the account. I reached out to Coinbase support via email ( as there is no way to speak with an actual human unless your phone number is associated with the account ), and received a wholly unhelpful response from the support team after waiting about a week. It was as if the agent did not even read my email. I promptly responded to clarify the situation and have not received a response after several days. There are several reports of this happening to other people, and clearly Coinbase has not taken steps to close this loophole in which they get to steal customer 's money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Ref # XXXX, Due to Bank of America incompetence 's I can not used my XXXX credit XXXX This morning I placed an order for an item and my purchase was declined. Not due to any fault of my own. 
Yesterday I received a phone call from a bank representative informing me that my complaint was assigned to her, and I will not receive a response from her until XX/XX/2022. Your website states that a company has 15 days to response to a complaint. I am being penalized due to no fault of my own and my credit report will be impacted due to bank of America careless. I have waited since XX/XX/2022 through XX/XX/2022 and this issue is still not resolved. 
Neither the bank nor its representatives care that their non- action is affecting me negatively and they are not willing to do anything to resolve it. Where is the justice in this situation? I need to have this issue resolved immediately and a notice sent to the credit agencies to remove any derogatory reporting from chase bank from my credit report. I have a good credit report and score and should not be subject to any derogatory reporting. I further believe that because I am a XXXX customer, I am experiencing such bad service. As I have stated I have been trying to resolve this issue since XXXX, XXXX, XXXX and XX/XX/2022, and now I am being penalized. If I was a white customer, would I have this problem? 

Thanks 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 monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
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:
n accordance with the Fair Credit Reporting act US DEPT ED 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

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