BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am a victim of identity theft and I need you ( Experian ) to remove false information reporting to my credit report.

I have tried the following : 1 ) I sent certified letters to the creditors reporting those addresses and to update their records with the correct information, and to date I have received no response.

2 ) I have called EXPERIAN on multiple occasions, but they said they can not remove because they are attached to tradelines, but those tradelines are not mine.

3 ) I have been sending Experian certified letters for months now requesting for those fraudulent addresses to be removed, and to this date they have not been removed, which is why I am filing a CFPB report.

4 ) I have sent EXPERIAN the identity theft reports with specific instructions about the fraudulent addresses, and to this date they have done nothing to get them removed.

5 ) I am DEMANDING for EXPERIAN to remove the fraudulent addresses and phone numbers immediately due to identity theft, please see below for the list of addresses and phone numbers. 

Addresses : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone Numbers 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 2018-02-09
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX THESE ACCOUNTS IS BARCLAYS CREDIT CARD

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 2022-06-15
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: Report provided to employer without your written authorization

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Georgia XXXX To Whom It May Concern : While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Fraudulent Inquiries : XXXX. XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you written permission or my consent to furnish this information onto my credit report or consumer credit file. 
This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.

Please delete these fraudulent inquiries immediately from any records that are on your system or validate these inquiries by providing me with copies of any documentation associated with these accounts bearing my signature and/or my written permission authorizing an inquiry, per Federal & State statutes.

Furthermore, I also demand you, produce a contract between you and I bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Without Recourse UCC 3-415, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
You violated the united states code law 15 U.S. Code 1681b -Permissible purposes of consumer reports ( b ) Conditions for furnishing and using reports for employment purposes.

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 2017-07-20
Company: Coinbase, Inc.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Transferred funds from my vault ( XXXXXXXXXXXX ) to my XXXX wallet but cancelled the transaction within 4 minutes. It has been 6 days and still no approval on the transaction. Asked coinbase.com customer support to fix the problem they responded with a stock response : Coinbase Support XXXX XXXX 2017 XXXX Im very sorry for any trouble with this. Im afraid transactions can not be cancelled once the bank transfer process has started as this is an external process. For future reference, for some payment methods there is a 5 minute window that exists after you place your order during which you can cancel a transfer. You can do so by clicking on the transaction from your history page here : https : //www.coinbase.com/transfers Once your transfer completes, you could immediately place a sell order to have your funds returned to your bank account. Your funds would arrive back in your account within 1-2 business days. The sell menu can be found at : https : //www.coinbase.com/trade Please note that the expected arrival date of your funds is given on the Confirmation dialog prior to placing the order. You would also have received an email confirming this information when you confirmed the order. Again, we apologize for the trouble. If you have any further questions or concerns please let us know and we would be happy to assist you. XXXX XXXX Withdrew funds to XXXX Wallet Waiting for approval XXXX XXXX {$1200.00} USD

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Navient Solutions, LLC.
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 status incorrect

Complaint:
Hello : Here is a concise summary of what has occurred. From XX/XX/XXXX to XXXX XXXX I took out three student loans ( Stafford, XXXX and Perkins ) in the amount of {$25000.00}. In XX/XX/XXXX they were consolidated into one XXXX XXXX loan. In XXXX of XX/XX/XXXX I was diagnosed with XXXX. My doctor suggested that I get my personal matters in order XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had approximately {$20000.00} in personal debt and my student loans. So as to not leave my parents  with this debt I declared personal bankruptcy. I was told by the judge that I could not include my student loans in a personal bankruptcy and would need to work something out with XXXX XXXX. After a number of conversations and completing an application including my Doctor 's signature and diagnosis, I was given a complete and total deferment of my student loans due to a XXXX XXXX. I was grateful for this option. Almost 20 years later I began to receive collection notices about these student loans from various collection agencies. They were super aggressive and unforgiving. Unfortunately, I did not save any paperwork regarding these loans and their deferment. In fact, I did not keep any personal effects after my diagnosis. I was not planning on needing anything as I was given just XXXX XXXX XXXX. I contested these loan collection efforts as these loans were Permanently Deferred in XXXX. My credit report suddenly had negative remarks and I am now limited financially. Loan Summary : 1 ) XXXX XXXX XXXX XXXX XXXX, Stafford Loan, {$14000.00} disbursed XXXX & XXXX 2 ) XXXX XXXX XXXX, XXXX, {$8200.00} disbursed XXXX & XXXX & XXXX 3 ) XXXX XXXX XXXX XXXX XXXX, Perkins Loan, {$2500.00} disbursed at various times. On XXXX XXXX, XXXX I completed an application to consolidate these loans under XXXX XXXX. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a XXXX inquiry on my credit report. The XXXX account was finally deleted because it was never my account per the letter the bureaus recieved. However, the bureaus still are refusing to remove the inquiry after several attempts. The account was removed because it was never mine, so the inquiry should have followed. But I was given a flat out NO!!!!

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 2022-01-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Equifax to have inaccurate items removed from my credit report as well as some unknown things. My XXXX Dispute was mailed XX/XX/2021 and XXXX dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Equifax at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. Not to mention that My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX - US DEPT. OF EDUCATIONXXXX Account Number : XXXX XXXX - XXXX XXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2020-05-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX Bank accounts were requested to be opened with Wells Fargo, XXXX XXXX XXXX XXXX and XXXX. Three fraudulent accounts were successfully opened on XXXX. All three banks have been notified and have started investigations. My local police department has also been notified.

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 2017-07-23
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX-2016 Not my account Fraud account identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an checking account with bank TCF bank on date XX/XX/2021 with account balance of {$500.00}. 
In XX/XX/2021 we have deposited {$3700.00} into the checking account. There was no activity on the account transactions. 
We came to know this bank is acquired by new bank with name Huntington in XX/XX/2021. We were supposed to get a debit card from Huntington Bank with the available previous balance of {$4200.00}. 
Now we are being told that an amount of {$4200.00} on XXXX. We did not with withdraw any amount in any fashion of online or offline transaction. Still we are waiting for the account and debit card details from the new bank ( Huntington ) checking account. 

We have reached out to TCF bank representatives and were told that the balance in the checking account was {$0.00} and were not able to transfer the account to the new bank Huntington. 

We want to dispute this transaction of withdrawal of {$4200.00} on XX/XX/2021 and want this checking account ending with XXXX to be transferred to new bank Huntington with available balance of {$4200.00}. 

Now after promised 2 weeks of providing us with a right information regarding the transaction by TCF bank, they have failed to provide any information or any kind of help on the basis of customer/consumer satisfaction. I would like to take this to legal incase of any delay or help provided by TCF and Huntington Banks is not satisfactory as per the United States of America consumer law. 


With Regards, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-20
Company: American Credit Acceptance, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Purchased the vehicle XX/XX/XXXX. Subject : Vehicle Repossession My XXXX XXXX XXXX was repossessed on Friday, XX/XX/XXXX at approximately XXXX. However, under FL Statute 320.27. At least 10 days prior to sale, the lender shall notify the borrower of the date, time, and place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. At any time prior to such sale, the lender shall permit the borrower to redeem the titled personal property by tendering a money order or certified check for the principal amount of the title loan, interest accrued through the date the lender takes possession, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. Nothing in this act nor in any title loan agreement shall preclude a borrower from purchasing the titled personal property at any sale. This was not done. I have never been notified and/or given the option to pay and/or retrieve personal property left in the car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Experian Information Solutions Inc.
State: CA
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: Other problem getting your report or credit score

Complaint:
My 'credit score ' dropped again today, XXXX points. I receive regular emails from Experian Credit Bureau and today I received an email from Experian alerting me that my credit scores increased. I login, to my Experian account only to be disappointed again, that my score had been decreased XXXX points. There was never any increase today, according to the email sent to me, from Experian, alerting me my scores had increased. As I reviewed my report, to figure out why my scores decreased, there was no explanation. Every time my score get into the XXXX 's, my score drops below XXXX. This has been going-on for the past year ( s ), without fail and no real legit reason, why. 

I would like the 'cfpb ' to review my credit report history to see there has not been any recent negative activity on my 'credit reports ', ( also happening with XXXX ) XXXX I'm told to use my credit cards to increase my credit scores, by realtor 's. I have a credit card with XXXX XXXX that suggest I use my card as much as possible, not to exceed a certain percentage or {$500.00} before the bill is due. Since having this card I've paid my bill on time, long before the bill is due, without fail. Do you know they increased by score, ( XXXX ), XXXX point last month... that is an insult and no appreciation for on-time payments, to the customer, me. 

I've attached my recent Experian report an a screen shot of my fake email sent to me today. I'm requesting reasons for the roller coaster ride I'm on with these credit reporting companies.

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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ACCOUNTS ARENT MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-06-15
Company: EQUIFAX, INC.
State: PA
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:
For XXXX years equifax has refused to investigate, or have stated that they verified the bankruptcy XXXX on my report, it can not be verified they refused to respomd to numerous disputes and in some cases didnt respond. I have done numerous complaints to the cfpb, i want this account deleted immediately and i seek damages

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I XXXX XXXX III do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Experian to have inaccurate items removed from my credit report as well as some unknown things. My 3rd dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Experian at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this pointI.

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