BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
Company: FIRST CITIZENS BANCSHARES, INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
ON XX/XX/2022 AT XXXXXXXX XXXX. AN INVALID PASSCODE WAS GENERATED TO MY CHECKING ACCOUNT NOT INITIATED BY ME. I AM CONCERNED ABOUT THE SECURITY OF MY ACCOUNT, ENDING XXXX. 
THE CIT BANK A DIVISION OF FITST-CITIZENS BANK : XXXX XXXX. 

I called many times and was disconnected each time. Have sent message, no response yet. 

MAILING ADDRESS : CIT Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 done several disputes with several credit card companies trying to get them to send me info showing that the accounts are mine. 
They sent the account to a collection agency XXXX XXXX. I paid the balance due bc I needed my credit fix with XXXX XXXX. I told XXXX XXXX that even though these accounts are not mine I am willing to pay so I can better my credit. I paid the express store card from XXXX XXXX  and the XXXX XXXX XXXX card from XXXX XXXX. I keep disputing with XXXX XXXX XXXX XXXX and XXXX XXXX from XXXX XXXX  and they dont respond or send anything validating the accounts are mine at all. I been disputing this with these companies for a long time now. If they cant produce paperwork indicating these are my accounts then they need to remove these accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
Capital One sided with merchants after I flagged transactions. They did this becuase they mistakenly filed them as " fraud '' when they were disputes. They did this so they could claim the chip was active therefore they are valid. They knew exactly what they were doing despite me, repeatedly and on multiple calls, told them they are NOT FRAUD CHARGES, and should be processed as disputes. 

There are thousands of dollars involved. They sent me a packet detailing the disputes but they did not do their DD. For example, I rented an XX/XX/XXXX house. They told me to cancel before my arrival date and they would refund me. I cancelled. Then they closed their account and did not issue a refund. Even though I showed Capital One the messages stating the promise of a refund, they didn't even look into it or credit me for the amount, which was over {$700.00}. 

I want a formal contact with someone at Capital One who will work with me on these disputes. IF NOT, Capital One needs to tell me if my specific policy requires arbitration, or if I sue Capital One directly. 

I will note that Capital One refuses to provide any of their recorded calls. I think that says it all really. 

This is my 9th attempt to work this out with Capital One. At this point, I am out of options and if someone senior is not going to work these issues out with me in an expedited way I will be forced to sue/arbitrate, and it will be for multiples of the amounts disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: FL
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:
DELETE THIS UNCONFIRMED INQUIRY LACKING CERTIFIABLE EVIDENCE UNLESS PHYSICALLY CERTIFIED VERTIFIED PROOF IS DEMOSTRATED PER U.S. CODE 15 U.SC 1681 ET SEQ. SECTION 604 OF FAIR CREDIT REPORTING ACT. ONCE YOU HAVE FULFILLED MY REQUEST, MAIL ME AN UPDATED CREDIT REPORT REFLECTING THESE CHANGES! 


I AM SHOWING 5 INQUIRIES I DID NOT APPROVE, MY ACCOUNT IS SUPPOSE TO BE FROZEN TO AVOID FRAUD, HOW IS THIS STILL EVEN CATCHING INQUIRIES? 

HARD INQUIRY NAME - XXXX DATE XXXX HARD INQUIRY NAME - XXXX DATE - XX/XX/2022 HARD INQUIRY NAME - XXXXXXXX XXXX XXXXXXXX DATE - XX/XX/2022 HARD INQUIRY NAME - XXXX XXXX XXXX DATE XXXX HARD INQUIRY NAME - XXXX XXXX XXXX  DATE 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 2022-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
My unresolved dispute amount is for {$220.00}, the amount needed to make this complaint whole again. 
* I booked air travel on XXXX XXXX, XXXX to XXXX, CT, Confirmation Code XXXX, for XXXX XXXX XXXX ( flight # XXXX ) * I booked a reservation through XXXX XXXX for XXXX XXXXXXXX XXXX XXXXXXXX of XXXX for XXXX XXXX XXXX ( Confirmation Number XXXX ) on my Capital One Master Card for {$580.00} * Received e-mail from XXXX XXXX on XX/XX/2022 at XXXX XXXX  to Check In for flight on XX/XX/2022 * Received e-mail from XXXX XXXX on XX/XX/2022 at XXXX XXXX  that flight # XXXX on XX/XX/2022 XXXX to XXXX, CT was cancelled. 
* Called XXXX XXXX on XX/XX/2022 and received full refund of payment for cancellation of reservation XXXX ( XXXX XXXX  ) * Called XXXX desk to obtain full refund for cancellation of reservation XXXX since cancellation of XXXX XXXX flight was beyond my control. Booking.com/reservation desk only refunded {$340.00} to my Capital One credit card. 
* Called and started dispute with Capital One credit card for remaining amount of {$240.00}, the amount remaining from XXXX XXXX  refund due from {$580.00} charge to my credit card. Was issued a credit for {$21.00}. 
* Capital One continues to discharge the amount due to me {$220.00} for a refund of a reservation that was cancelled due to circumstances beyond my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
on XX/XX/XXXX my wife tried to make a {$5000.00} payment for our HELOC at truist. 
It didn't go through. 
the next day, there was no record of the attempt. no change in balance, nothing take out of our bank ( nfcu ) on XX/XX/XXXX, the tried again. same thing, nothing. 
on the XXXX, I called at XXXX and was on the phone until after XXXX they still had no record of the first two attempts. 
I asked the rep how I was supposed to make my heloc payment, she said she could do it for me. 
I asked her to be sure there was only going to be one. 
She said only the one she processes. 
The next day, truist processed three identical payments for a total of XXXX This caused my balance to go to XXXX, and XXXX charged me {$29.00} bounced check fee. 
truist says the only thing they can do is to mail me a check. they won't ACH, EFT or let me pick up a check at the local branch. they won't reemburse me for the {$29.00} bounced check fee. attached is transcript.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I disputed something with the credit reporting agency, after 30 days it has not been removed, which is a violation of 15 U.S. Code 1692 ( e ) ( f ) ( g ).

I want this deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: WELLS FARGO & COMPANY
State: MN
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:
Today, XX/XX/22, Wells Fargo replied to my original complaint and said that I did not pay in full the agreed settlement amount. They said they would not fix anything and I never paid the entire balance. I have proof this was done and they won't answer my calls or emails.

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 2022-04-24
Company: EQUIFAX, INC.
State: FL
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights 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 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 explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: FL
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights 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 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 explanation
Consumer complaint received 2022-06-24
Company: CL Holdings LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A collection agency, Jefferson Capitol System, is attempting to collect a debt on one account 3 times. I only have knowledge of one account through the cellular company who contracted them, and the cellular company has verified that I have only had one account with them. Jefferson Capitol System has made 3 separate entries on my credit report and they are refusing to delete 2 of them, through a dispute with the credit companies XXXX XXXX, XXXX, and XXXX ) making it impossible for me to contact them to verify that the debts are actually mine, and to pay them if they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: PA
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 Acct # XXXX. 15 U.S.C 1681 section 602 A.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-06-24
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:
n accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXXXXXX XXXX 
Account Number XXXX XXXX XXXX XXXX. 
Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions 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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4600.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$940.00} XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/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 2023-05-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have accounts showing that I have late payments or delinquent payments which is inaccurate. 

XXXX XXXX XXXX ( Late Payment ) DPED XXXX ( Late Payments/ Delinquent ) DPED XXXX ( Late Payments/ Delinquent )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Reporting debt from XXXX XXXX XXXX, who is not licensed in the state of Illinois to collect any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 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 2 : It also states a consumer reporting agency can not furnish without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My Coinbase account was hacked on XX/XX/2022 while I was on vacation with my family. The individual funded the account through my XXXX XXXX XXXX debit card in the amount of {$2700.00}. Then the individual withdrew the funds in two transactions. The first occurred at XXXX XXXX in the amount of {$2400.00} and the second transaction occurred at XXXX XXXX in the amount of {$330.00}. These funds were sent to a card ending in XXXX. 

I have been trying to resolve this issue with Coinbase for more than a month and they have not helped me. I have emails in which I showed them these transactions occurred. I have called them once a week for a status update and they just say that the case is under review. The current case # is XXXX. 

XXXX XXXX XXXX did not refund me the money that was stolen from me since they want to see hard evidence that those transactions were not mine. I asked Coinbase to provide me the full card number and the name of the bank so I can personally go to that bank and report that card number so they know that individual committed fraud as well the local authorities can prosecute the individual. However, it has been more than a month and Coinbase has not helped me on the matter. XXXX XXXX XXXX  has a time limit on open fraud claim cases. If I don't get it within 60 days of the day of the claim date then they will close it. 

For informational purposes, I have been on the phone with them on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Can you please help me obtain this information from Coinbase?

Company response to consumer: Closed with explanation