BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: FL
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:
Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-11-19
Company: EQUIFAX, INC.
State: IN
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 was involved in a fraud event where my personal information was exposed. I was also involved in a data breach at work. I have accounts reporting that are recently showing up that are not my accounts. I also have TONS of new inquiries that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 
Now these creditors that were showing on my credit report they were removed but now they are trying to pursue for collections activities. These accounts were opened without my authorization and ALL COLLECTIONS ACCOUNTS must be removed immediately!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I have XXXX complaints about all XXXX major credit bureaus ( XXXX, XXXX and Trans Union ), that show they are not taking the proper precautions to protect individual 's identities, and have practices that cause consumers who have been victims of identify theft to pay for services that they are entitled to get for free. 1 ) All XXXX are using very outdated SSL security on the websites that one must use to enter social security information, which means an unsophisticated attacker can easier capture SSNs in transit. 
2 ) In order to get a free credit freeze when consumers who have proof of identity theft MUST send that proof by regular mail, which includes the consumer 's SSN, to a XXXX for all XXXX bureaus, with an address that includes the bureau 's name and " credit freeze '' in the address name. This makes identify theft through the postal mail extremely easy! The postal service loses large quantities of mail each year. Also, this means it will take more time to place the credit freeze due to waiting for regular mail to make it to/from the credit monitoring bureau. For those reasons, I felt the need to pay for the freeze service that I was entitled to get for free. 
AND, I could not find any place on any of their websites where I could contact them to raise these issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
WHY DID XXXX REPORT {$75.00} TO TRANSUNION WITHOUT MAKING AN EFFORT TO CONTACT ME FIRST?

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 2022-11-19
Company: Aldous & Associates, PLLC
State: NV
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ALDOUS & ASSOCIATES PLLC, Has violated my rights 15 USC 602 A, States I have a right to privacy 15 USC 604 A Section 2 : It states that a consumer reporting agency, corporation, company can not furnish an account without my written instructions 15 USC 1681C. ( A ) ( 5 ) Section States : No agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report for more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In Accordance with The Fair Credit Reporting Act XXXX  Accounts # XXXX has VIOLATED My rights. 

XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX  XXXX Acct # XXXX XXXX. XXXX  XXXX Act # XXXX XXXX. XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX  Acct # XXXX XXXX. XXXX Acct XXXX XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX  Acct # XXXX XXXX. XXXX Acct # XXXX XXXX. XXXX Acct # XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I sent the following email to US Bank, wherein they called me and agreed to forgive one of the fees which is unacceptable but then told me they could not forgive even one because their system would not allow them to which is a common excuse they utilize. 

Below is the letter I sent : XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 U.S. Bank XXXX XXXX XXXX XXXX XXXX MN XXXX US Bank XXXX XXXX Acct XXXX : ************ I am writing to request that you refund all of the overdraft charges applied, during the past month from the date of this letter, to the account I hold with you. I do not believe that these charges reflect the actual cost to US Bank of my unauthorised overdraft and consequently believe them to be unlawful. 

Therefore, I am requesting that you refund me {$72.00}, an amount which represents the total charges applied to my account during this time. 

For your reference I have attached full details of these charges. 

XXXX XXXX I would ask that you deal with my request immediately rather than waiting for me to escalate the case traditionally as I currently am experiencing financial difficulty as a result of loss of employment. 

I look forward to receiving a response from you within the next 14 days. 

Yours faithfully, 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 2015-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion shows XXXX open accounts in collection for medical bills originating at the XXXX ( {$1200.00} ) and XXXX ( {$650.00} ). XXXX these accounts are actually for the same bill. XXXX sent me correspondence stating that they would accept a reduced amount ( {$650.00} ) to satisfy the outstanding {$1200.00} bill. I paid the agreed {$650.00} directly to XXXX on XXXX XXXX, 2015. The cleared check is attached. Despite my resolving this account by agreement, Transunion still shows these accounts as open and in collection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX is flagrantly violating federal and state consumer protection laws. I have been paying {$250.00} per month for more than a year to XXXX through their abusive debt collector that they hired to collect on their debt Financial Asset Management Systems. XXXX has illegally manipulated their reporting of the debt to XXXX by not identifying the repayment plan that I have participated in for the past year at {$250.00} per month, and a 0.01 % interest. XXXX has modified their reporting to XXXX for my account t to make it appear like I have n't been paying for the past year as they had stated in writing they would. In addition, XXXX is now reporting the accounts as in collections on my credit report which they had n't done before and was in retaliation to the complaints I have filed against them and their debt collector Financial Asset Management Systems. The only reason to report the accounts in collections now was to try to hurt my credit report even further. Even though I have been paying for over a year and even though they have broken federal and state consumer protection laws many times. In addition, they have added unconscionable fees and interest to my accounts to which they have never fully accounted for. XXXX is engaging in violations of state and federal consumer protection laws.

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 2015-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
please let me know yopu can help me with my credit report fron credit union XXXX they discrimnate me i thinking my creidt is ok iwant to abuy acar let me know you canhelp me thank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Dear Credit Reporting Agency Transunion, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX & XXXX - XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. My identifying information is as follows : Date of Birth : XX/XX/1992 SSN : XXXX If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, 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 2022-11-19
Company: Paypal Holdings, Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
They keep suspending and Frozen my account and it's unable in me to transfer the money XXXX unable to link a car to the account make a bank account to the account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-19
Company: BlockFi Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XXXX XXXX, Blockfi prevented withdrawal of ~ $ XXXX from my wallet account. Investor wallet ownership in cold storage are in my name in cold storage and can not be used to satisfy secured creditors if bankruptcy comes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Upon review of my XXXX report I noticed company named : CAPITAL ONE BANK USA N listed and reporting incorrectly which has caused denials from my applications. This account was a prepaid account in which I paid into the Secured account. I was never late on any payments as this account is being reported falsely. This account is showing under XXXX under status " Closed '' Late with a XXXX. This is not accurate reporting. I am requesting this be removed from my credit file. This item is also showing on my XXXX report as " Closed '' and Paid. This item is showing on my XXXX report " Closed '' payment status is " Unknown ''. It is clear that this company has been reporting to all XXXX credit bureaus inconsistently reporting inaccurately caused credit application denials and inconsistent credit scoring. This company has reported XXXX different ways on each report. This company is reporting false payment status, This company is reporting false terms, It has never been late. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: LEXISNEXIS
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:
I am XXXX XXXX. I am submitting this complaint for myself. I have been disputing a public record for several years. The agencies continued to send back a verified status on my reports. A bankruptcy has been showing on my reports stating verified with LEXISNEXIS. A letter to LexisNexis was sent certified mail/USPS on 9/20/21. The letter states that theyre in violation of my consumer rights according to U.S Code 1681a ( 4 ) - Consumers Right to privacy. This company hasnt verified any of my information to ensure its accuracy. Furnishing both personal or public information has been detrimental to my well being. As well as U.S.15 1681b ( a ) ( 2 ) -Permissible Purpose. LexisNexis never had my written consent to furnish any of my information. According to USPS tracking my letter has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of 2021 I reviewed a copy of my credit report and noticed a collections reporting on from XXXX claiming I owe them an outstanding debt. I don't believe this account belongs to me and so I reached out to them on several occasions for validation on this account to which they have yet to send me any of the validation I requisition including the method of validation, signed contract for the good and services to which they claimed I owe. They sent a letter to me informing me that in order to get the signed copy of the contract I would need to subpoena sent to their legal department.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
IN RESPONSE TO BANK OF AMERICA N.A . STATED IN IT 'S LETTER DATED XX/XX/XXXX THEY STATED THAT THEY HAVE NOT FILED ANY COURT ACTION ON ME SINCE XX/XX/XXXX THAT IS A BLANT LIE, PLEASE SEE ATTACHED COURT DOCUMENTS THAT THEY HAVE IN FACT FILED NUMEROUS ACTION ON ME IN XX/XX/XXXX, AND PLEASE FIND ATTACHED CREDIT REPORT SHOWING THEY REPORTED AGAINST ME ALONG WITH XXXX XXXX SERVICE.IT IS IMPOSSIBLE TO DEAL WITH THESE PEOPLE THEY CA N'T BE TRUSTED.BOA FILING COURT DOC AFTER TRANSFERING THE LOAN.PLEASE ASK BOA TO EXPLAIN THEM SELF.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have never solicites crdito with XXXX for a XXXX auto loan. If this was XXXX On My name it was n't me. Please erase this from My account or credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX bank refuse to fix the one late payments they put me in when I was never late with this account I made every payment since its been open on time with no problem. Since they refused to fix I closed the account I refuse to do business with someone who doesnt fault and Flaws of their own. I spoke to numerous reps who all promised me to fix this on their end and months later since no 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 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
To whom this may concern, This is my 3rd attempt to respectfully request that the CFPB contact the credit bureau in question to reinvestigate my request to have inaccurate, erroneous, and potentially harmful non-validated items removed from my credit report. It is now my belief that Transunion is attempting to initiate stall tactics by responding to the CFPB that The company needs authorization from you to proceed with your complaint.. PLEASE BE ADVISED THAT I DO NOT HAVE A 3RD PARTY ENTITY SUBMITTING ANY DOCUMENTATION OR THIS CFPB COMPLAINT REQUEST ON MY BEHALF!! THEREFORE, NO AUTHORIZATION OF ANY KIND IS NEEDED!! YOU HAVE FULL AUTHORITY TO CONDUCT THIS INVESTIGATION PER MY REQUEST!!

I sent a request to investigate inaccurate accounts on my credit profile on XXXXXX/XX/2021. At the time of this missive, it has been more than 60 days since I've sent my inquiry but I have yet to receive a response. I am looking forward to making some major purchases very soon for the betterment of my family but these inaccuracies on my credit profile are stopping me from achieving my dreams.

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 2022-11-19
Company: BlockFi Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I've initiated Transfer Requests from the Blockfi Wallet  ( " Checking account '', so to speak ) on the XXXX of XXXX at XXXX XXXX, for the amount of XXXX XXXX, XXXX XXXX XXXX, for the amount of XXXX XXXX  and at XXXX XXXX  XXXX XXXX. All of the above sums represent the present values on the account and the completion of the transfer would also mean a transfer fee for each transfer would apply. The Destination of the transfer is towards equivalent denomination in XXXX equivalent account and the Pending Transfer Request marked with the Date of delivery : XXXX of XXXX. 

These were initiated whilst the platform was still operating as normal, at the cusp of the XXXX scandal coming into play. 

It would take a few more days until there would be communication on the platform that operations are paused from Blockfi 's point of view. 

It appears all transfers are blocked, per the following 5. of terms of service, with : " 5. BlockFi and our third-party partners may experience cyber-attacks, extreme market conditions, or other operational or technical difficulties which could result in the immediate halt of transfers and withdrawals of cryptocurrency either temporarily or permanently. BlockFi is not and will not be responsible or liable for any loss or damage of any sort incurred by you as a result of such cyber-attacks, operational or technical difficulties or suspensions of transfers or withdrawals. '' This is extremely misleading. Also it appears that there is a looming XXXX  XXXX for this company ( potentially ). 

From the point of view of the withdrawal process, the funds are in Pending and seeking any support on Blockfi end results in a dead end. An example being the Support chat which for Withdrawals ends in a dead end for the withdrawal process by asking that there can be a validation email sent that can be confirmed. No such email has been requested, have also canceled and retried the transaction for the BAT, on the XXXX of XXXX, in the amount stipulated above, where at both the initial and re-attempt, no such email was sent to validate identity or security related aspects. 

Also, " BlockFi Phone Support is currently unavailable. '' plastered on the website. 

I would like to mention, if at all makes any difference, those wallets are in my name and that they should represent the equivalent of a checking account. I would strongly urge them not to be used to satisfy secured creditors if bankruptcy comes.

Company response to consumer: Closed with explanation