BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-26
Company: Experian Information Solutions Inc.
State: MI
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:
Despite previous written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-06-16
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I made a money transfer on XX/XX/2023 of {$2000.00} to my cousin in XXXX who needed the money to pay his semester fees as his parents are facing financial difficulties. Western Union said the money was delivered to the receiver on XX/XX/2023 but my cousin did not receive it. He contacted his bank, who said they did not receive any money from my account. I called up Western Union, they said it would take them 7 business days to investigate. I called them XX/XX/2023, as they did not get back to me. They said they had no update and would expedite the issue. I called them again on XX/XX/2023 as I did not hear from them. They said that they are still investigating. When I asked for a refund, they told me they don't do refunds. I really need your assistance as sending that amount was not easy on my own financials.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: Experian Information Solutions Inc.
State: NC
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 explanation
Consumer complaint received 2022-12-26
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Someone acted as a broker name XXXX XXXX XXXX, succeed to convince me regarding XXXX  investment. He/she has fake website XXXX XXXX XXXX and was communicated with me through XXXX XXXX XXXX XXXXXXXX. On XXXX XXXX XXXX  he/she guided me to open coinbase account and wired money to bitcoin. This is the first time I was doing XXXX  and I don't have any idea about wallet. So after the money wired to coinbase, she/he told me that coinbase will send me the wallet address. To trigger the wallet id from coinbase, she/he instructed me to sign up on XXXX XXXX XXXX  which is a fake wallet company that coinbase was failed to recognize and authorized the bitcoin transfer without any warning. 

Unfortunately, the scammer was able to send me wallet address id which was seemed came from coinbase with coinbase logo on it and I sent all the money to the address XXXX that was emailed to me and popped up on XXXX.XXXX  Then he/she asked me the login username and password which I refused to give and advised me to withdraw the money which is then I realized I was scammed because I was not able to withdraw the money at all. I was not aware at all that he doesn't need the login anymore because all the money was already sent to him and gone. I tried to reach out to him/her and he/she is still online on XXXX XXXX  with number XXXX. He/she is not willing to return the money, never replied my XXXX  messages despite his/her status on XXXX is still online until this day. I reported this fraud to few gov website for fraud but yet the scammer website is still online and ready to get more victims. On the other hands, coinbase company has failed to identify fake wallet and refused to help returning the money despite all transactions from the fake wallet was available on their blockchain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX ACCNT # XXXX XXXX XXXX ACCNT # XXXX XXXX ACCNT # 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 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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 non-monetary relief
Consumer complaint received 2022-12-26
Company: WELLS FARGO & COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
In around 2015 the cosigner of my vehicle ( we had equal responsibility of the car on the title ) illegally towed my car I had made all payments on time for and brought it to the XXXX dealership we got it from and had the loan terminated from wells fargo as they traded it in for another car for themselves. I contacted wells fargo and XXXX XXXX of XXXX Arizona and they wouldn't respond or comment.

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 2022-12-26
Company: FIRST NATIONAL BANK OF OMAHA
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed this acct on XX/XX/2022 paid in full Getting bills for card late fees and interest i wrote to XXXX and XXXX and XXXX No results XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX XXXX XXXX XXXX Acct last digits 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 2023-06-16
Company: Fidelity National Information Services, Inc. (FNIS)
State: OR
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 and data contained in my report are false.

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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 send an opt out letter to Transunion, XXXX, and XXXX. On XX/XX/2022. I haven't got a response from any of the companies above.

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 2023-06-16
Company: Harris & Harris, Ltd.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Nothing was received by mail from this company. Just receiving frequent phone calls daily and weekly harassing me. I have blocked several numbers and they call from other numbers being disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-16
Company: Zions Debt Holdings
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a natural person, I am a living human being. I have rights under law 15 USC 1681. Zions Debt Holdings LLC is govern by 15 USC 1681. And has violated my consumer rights numerous of times. I demand removal from this account off my credit file. According to 15 USC 1681 : I have rights and i did not give Zion Debt Holding LLC written permission to furnish this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: GA
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 have been a member with XXXX since XX/XX/XXXX they recently switched to XXXX during the summer of XXXX. I was giving a notification of 48 hours to deploy in XXXX in support of XXXX and XXXX conflict. When I reach my destination, I had no internet or phone access. I was not able to make payments and I didn't have access to the XXXX credit card at all. In XXXX if XXXX when I did get limited internet access, I checked my credit score to find out that XXXX reported 2 late payments. I paid the credit card off immediately. This situation was not on my control and is affecting my credit score and my ability to purchase a home. Service members should be protected while XXXX and serving their country. I sent XXXX a good will letter in XXXX when I returned from my XXXX along with a copy of my orders to try and resolve this issue.

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 2022-12-27
Company: EQUIFAX, INC.
State: GA
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 have been a member with XXXX  since XX/XX/XXXX they recently switched to XXXX during the summer of XXXX. I was giving a notification of 48 hours to deploy in XXXX in support of XXXX and XXXX conflict. When I reach my destination, I had no internet or phone access. I was not able to make payments and I didn't have access to the XXXX credit card at all. In XXXX if XXXX when I did get limited internet access, I checked my credit score to find out that XXXX reported 2 late payments. I paid the credit card off immediately. This situation was not on my control and is affecting my credit score and my ability to purchase a home. Service members should be protected while XXXX and serving their country. I sent XXXX a good will letter in XXXX when I returned from my XXXX along with a copy of my orders to try and resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Ive recently been made aware of consumer law and the violations that have been made against me. As a result of this im LEARNING how to undue all the damage that has been done over the years. One of these companies in violation of TILA and CFPB requirements is CREDIT ACCEPTANCE CORPERATION. i will attach all files needed. This company has not clearly and inconspicuously made clear to me if the amount was paid at purchase and if not and is to be credited in installments they also have not made it CLEAR the steps for me to take in which they will accept the payment coupon theyve sent to me numerous times along with asking for ADDITIONAL payment. I have tried to work it out with the company with a written notice AND affidavit of truth sent via certified mail. As i use the tracking number on the mail sent i can see that it has not been picked up and has repeatedly been avoided. I am excersing my right to express i see billing errors and want to dispute the amount since they are not being CLEAR to me what the amount is who the creditor is who the lender is when has it been paid and how can i properly endorse the coupon they send to me monthly. Also the company has not sent a statement or any mail since XX/XX/ it is now XX/XX/ at the time of this complaint and although they do not send statements monthly as required, they repeatedly call me asking to pay a debt. 

The law codes for the violations that have been spotted are found under : 15 USC 1026.10 15 usc 1026.13 ( a ) ( 2 ) 4 and 7 15 USC 1605 determination of finance charge The latter violation is the biggest violation as it leads to other violations on the fals narritive that this has not already been paid for pursuant to 15 usc 1605 And the final violation spotted 15 usc 1666b Constantly reporting late payments.

The law codes that describe the fines for violations are found under 15 usc 1681m I understand that the CFPB has a process and a way of handling these complaints and as the consumer that is learning how to handle the violations i ask that you instruct me of any additional information for confirmation or investigation that you need from me. I will gladly cooperate with the CFPB on any information gathering reguarding this complaint. 

I am aware of the fines for each violation being in between {$100.00} and {$1000.00}, no more no less. And i want the full {$100.00} per violation. I have a statement marked with the billing errors per violation. 

Resolution of this complaint needed would be the fee for the violations made and the IMMEDIATE correction of the account according to the outcomes of the CFPB investigation. I authorize the CFPB to use their best discretion in determining a resolution with the violations seen AND not seen or expressed.

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-17
Company: Experian Information Solutions 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:
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 reporter 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 of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Pursuant to 18 USC, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2.company has also No permission to report anything using my info pursuant 15USC 1681 4 XXXX XXXX XXXX Open date : XX/XX/2022 Amount : {$420.00} XXXX XXXX XXXX Open date : XX/XX/2022 Amount : {$260.00}

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 2022-12-27
Company: Fidelity National Information Services, Inc. (FNIS)
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: Old information reappears or never goes away

Complaint:
Chexsystem is showing 4 accounts on my report with XXXX XXXX  : Ending in : XXXX Business account XXXX Personal account XXXX XXXX The last 2 accounts are non existent. I attached a letter from XXXX requesting to remove XXXX and XXXX. 
I have tried reaching out to them via phone. They instructed me to fax in a letter from XXXX stating which accounts are not mine and that they should remove them from their system. 
The fax was sent on : XX/XX/22 at XXXX, XX/XX/22 at XXXX, XX/XX/22 at XXXX to their fax number they provided to us : XXXX ( see attached in this complaint ) We called multiple times to confirm that they received the fax, but they claim they didn't. On our end our fax system showed the fax was sent and received by the other party. 
Their address : Chex Systems , Inc. 
Attn : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MN 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 2023-06-16
Company: Paramount Recovery Systems, L.P.
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 have violated my federally protected consumer rights and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : Paramount Recovery SYS  Account number:XXXX Account name : Paramount Recovery SYS Account number : XXXX 15 U.S.C 1681 Section 602 A4. 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 7 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. 

15 U.S.C 1681 b- permissible purpose. 

15 U.S.C 1681 E- compliance procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am trying to access my report to clean up multiple inaccuracies and can not obtain access. I receive a message that I can not receive a report because I have disputed the information on my file.

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 2022-12-26
Company: Experian Information Solutions Inc.
State: KY
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:
Company continually displays incorrect information on my account, an account was paid in full and closed and now they are trying to report it as 6 months delinquent. Another account was inaccessible for months to make payments and they also reported that as delinquent. I called multiple times attempting to pay, but it is common knowledge their system was down for a long time and my account was being reported incorrectly.

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