BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-10
Company: Experian Information Solutions 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:
There was several accounts on my file that i did not authorize of have any knowledge of. I sent several letters in certified mail and received no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My credit was impacted negatively from American Express reporting to my credit that I was 30-59 days late as my worst payment status from XX/XX/2022 through XX/XX/2022. I communicated to American Express that I was impacted negatively financially due to XXXX and was put on a payment plan but I was not aware that negative credit history was going to be reported on my credit report. This charge card is since paid off and I would like to request that American Express removes the negative late payment history reported from my credit reports all 3 credit bureaus. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Payward Ventures Inc. dba Kraken
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XX/XX/2023, I signed up for and established a transfer of {$10000.00} to Kraken, an online Cryptocurrency exchange, to buy XXXX. Kraken then took out {$140.00} from this sum as a transaction fee and converted the remainder into XXXX XXXX for a total of XXXX XXXX 

On XX/XX/XXXX and several times subsequently, I attempted to withdraw this cryptocurrency onto an offline secure wallet but the withdrawal was refused, and within hours I received notification that they would be closing my account with XXXX hours. I was told that I must re-convert the Cryptocurrency into US $ ( at my loss, if any ) and then they would send the remaining dollars in my account back to the original bank. They said this decision was being made for unnamed " security reasons '' and that for these same " security reasons '' they could not even give me more details. 

I am neither a felon nor a convicted criminal and there are no security reasons for wanting to close my account. I have written this to them several times and they simply answer over and over the same thing. 

Right now, Kraken has sold me goods, taken a transaction fee for selling these goods ( the cryptocurrency ) but has never allowed me to take possession of the goods in question since any withdrawal of this cryptocurrency was blocked. Since they have sold something to me without allowing me to take possession of it, and they now state they are closing my account, I have asked that if they continue to refuse to allow me to take possession of what they sold me, that they reimburse the totality of what I paid for the goods I never received. They continue to refuse to do so and have now given me an ultimatum of XXXX hours to do as they say!

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 2023-04-06
Company: CBC Companies, Inc.
State: TX
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:
I am writing to express my dissatisfaction with the way in which this reporting agency have been handling consumer disputes and challenges. I believe that they have been sending out form letters in response to many of these submissions, regardless of the specific information that has been provided. This is a clear violation of the law, as each dispute and challenge must be addressed individually and on its own merits. 

Furthermore, I have reason to believe that the consumer reporting agency may be delaying the processing of letters from consumers based on the assumption that help from a third party may be available. This too is illegal, as there is no legal exception to allow for such delays. 

I would like to state for the record that I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. It is important to note that there is no law that requires a Power of Attorney in order to delay processing letters from a consumer urge you to take prompt and appropriate action to address the concerns raised in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
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: Account status incorrect

Complaint:
In XXXX my student loans were part of the public service student loan forgiveness. I have the letter from XXXX. I'm grateful. However it's still showing on my credit and I need it gone.

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 2023-04-06
Company: Nationwide Recovery Systems, Ltd
State: TN
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 disputed the incorrect information on my report twice with no one reaching out to correct information and no updated information on my report for many years. The disputes are disregarded/closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Complaint Number XXXX & XXXX XXXX XXXX I ahve since called the company becuase they called me telling that they were looking in to it late and geave me a special phone number and extension to conact with any any questions on late Friday afternoon, afterwards I then recieved my mail and found a letter sdtating that Ally was going to negativley report my accout to the credit bureaus. It was too late to call but I did and leave a message. I got voice mail from my contact per the phone ext given it wasa XXXX, who out of office recording stated he was out of the office and would return XXXXXXXX XXXX? I finally spoke with someone else and requested to speak with managment Iwas told that managment was not avialable and I had to speak with XXXX, I finally spoke with him and he said he hadnt had time to review my account that he requested documents, my payment hisotry. I then requested to speak witha manager he said there were nomangagers avialable and eventually said he need to hang up as I would not take now for an answer to speak with a manager, Today I viewed my account on the online protal, it now relects that I am {$800.00} plus in arrears, thisis worng as Ihave made every payment and when i look att he payment hisotry on t he webiste and look at the break down of the payment they show late fees? 
I do not understand and dont trust that any info they report is correct.

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 2023-04-10
Company: Collection Management Holdings, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or around XXXX of XXXX COLLECTION MANAGEMENT CO placed a collection account on my consumer report. Listed below is how it appears on XXXX report : Account info Account name COLLECTION MANAGEMENT CO Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, 180 past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1100.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$1100.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX I do not recognize this account. 
I have never conscented to do business with Collection Management Co. 
Collection Management Co has no permissible purpose to even has access to my consumer report.

I challenge the validity of this debt.

Collections Management Co has failed me my right to dispute the inaccurate account as they have never mailed any letter stating the right to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive submitted disputes to the reporting agencies and I get nothing in return and when I call they hang up on me or refuse to transfer me to the right department

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 2023-02-24
Company: McCalla Raymer Leibert Pierce, LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A law firm on behalf of a company I do not have an agreement with is attempting to collect a debt from my as a debt collector. 

the original Bank that completed the loan with was provided with a Notice of Assignment and the Promissiory Note with an Allonge that was filed in my county in XXXX of 2022. The servicer has chosen to ignore the instrument and tender. 

I have rescinded the contract for the following reasons : I entered into this contract agreement with the XXXX XXXX without the following disclosures : I. Full disclosure of my right to rescind ; Consumers right to rescind ( 12 CFR 1026.15 ) II. Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) ; III. Disclosure the agreement was a consumer credit transaction and allows for consumer protection when it involves a primary dwelling ; IV. Failure to disclose Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices ; ( 16 CFR 433.2 ) V. Failure to disclose that nonpublic personal information will be shared with a nonaffiliated third party ; VI. Failure to disclose the application is self-liquidating paper ; ( 17 CFR 260.11b ( 6 ) ) The Right of Rescission based on a violation of the Truth in Lending Act. There has been a systemic failure to provide several required disclosures of consumer rights and is the basis and the legal justification for this Notice of Rescission. 

I also provided in the Notice to Cease and Desist is Pursuant to the Fair Debt Collection Practices Act and my right, as a consumer, to terminate all future communications with the debt collector. This was ignored. 

After a Notice of Default and Dishonor, I sent a Notice of Rescission to the above entities. Now they have referred this to the Law Firm I am reporting in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/24 I was charge 3 overdraft fees of XXXX $ each on XXXX I was charged another fee of XXXX $ and on XXXX I was charge two overdraft fees of XXXX $ each.

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 2023-04-07
Company: LEXISNEXIS
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:
Regarding bankruptcy with the docket number XXXX According to 15 USC 1681 section 602 states, I have the right to privacy.

15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency must furnish an account with written instructions. 

I have not authorized in any way the sharing of my personal information. I dont know your process, but please do not provide any information to any organization. I have not consented, and I have already opted out. Please comply immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX is being investigated by the FTC and 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Saks has charge a purchase to my account that I never received. Ive tried to resolve the issue with Saks Off 5th, but, no one has refunded me for a purchase that has not been shipped. They refuse to pay for the return shipping for a product that was never ordered by me. Please credit my account for this fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Rausch Sturm LLP
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XX/XX/2019 I was applying for the PFD and there website glitched when I hit submit the page reloaded with someone else 's info from XXXX Alaska and it showed me there address, date of birth, Social Security number and bank info. I got 2 other phone calls the same day saying someone got my info the same way, shorty after the PFD data breach I notice accounts being open in my name without my permission. the following accounts are not mine 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 2023-02-22
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I dont even know if its me they are trying to get a hold of, since I get other calls for the previous owner of my number. They keep calling without leaving a message, and when I block them, they call under a different number and use the same tactic of calling and hanging up without leaving a message. Im assuming theyre a debt collector because thats what I get when XXXX  the name ( Midland Credit XXXX Always shows up no matter what number they use. ) If its me theyre after for a debt, the least they can do is honestly get a hold of me instead of constantly just calling and hanging up. Thats downright harassment and poor business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: Early Warning Services, LLC
State: NV
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:
I was issued a Comprehensive File Disclosure from Early Warning Services on XX/XX/XXXX ( see attached ). Upon reviewing the file, I realized it was empty and called EWS to find out why. On XX/XX/XXXX at around XXXX XXXX  I called EWS and spoke to employee XXXX who told me that EWS does not put any information in the Comprehensive File Disclosure for the consumer because they are not authorized to. XXXX also advised me to go back to the institution that denied me and ask them to provide a reason for the denial, but the institution already told me they could not give me that information in our initial meeting and directed me to Early Warning Systems. As the consumer, I have certain constitutionally protected rights. Among them, 15 U.S.C 1681 section 602 A, states that I have the right to privacy. Also, 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. I have not given EWS written instructions to provide any information, and as such, they are violating my rights. I had a previous correspondence with EWS in XX/XX/XXXX and they told me I had no file with them. ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Subject : Dispute of Inaccurate Address Information on Consumer Report Dear Credit Reporting Agency I am writing to formally dispute and request the removal of inaccurate address information listed on my consumer credit report, as provided by your agency. My name is XXXX XXXX, and I am concerned about the accuracy of the information on my credit report. 
I recently obtained a copy of my credit report and found that it contains addresses that do not belong to me. The inaccurate addresses listed are : Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is my right to ensure the accuracy and integrity of the information listed on my credit report. These addresses are not associated with me in any way, and their inclusion is misleading and erroneous. 
Enclosed with this letter, please find copies of my supporting documentation my Thank You 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 2022-10-13
Company: EQUIFAX, INC.
State: MA
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:
under section 1666 of title 15 may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

These late payments are a violation of 15 U.S. Code 1681s-2 ( 7 ) ( E ) of the Fair Credit Reporting Act. These late payments are " Billing Errors '' pursuant to 15 U.S. Code 1666b of the Fair Credit Billing Act. These late payments are a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) of the Fair Credit Reporting Act. These late payments are a violation of 15 U.S. Code 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 according with the Fair Credit Reporting acXXXX XXXX, Account name- XXXX Account XXXX XXXX, has violated my rights. 

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

15 U.S.C1681 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