BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
incorrect name and address and phone number will like this information removed With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to a accurate and complete consumer report. According to my consumer report generated on, [ insert date of your most recent consumer report ], there are some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing.

Within 30 days from receipt of this letter, insured and tracked by USPS, the following information needs to be omitted. Please note upon completion of the requested, a new updated copy of my consumer report should be mailed to the mailing address that you have on file... promptly.

Omit the following names as my TRUE name can be verified on my supporting identification : LIST ALL THE INACCURACTE, MISSPELLED, OR NAMES THAT ARE NOT APPLICABLE Omit the following inaccurate addresses : LIST ALL INACCURATE ADDRESSES LISTED Omit the following telephone numbers as none are listed at a public record and I have not consented to its recording : LIST ALL PHONE NUMBERS Omit the following employers LIST ALL EMPLOYERS Attached to this initial request I have attached my identification. I suspect that you would have no issues removed the aforementioned information in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
TRANSFERED FROM 1 CHECKING ACCT USING DEBIT CARD INTO MY COINBASE ACCT. WENT THROUGH. THEN THEY CHARGED DEBIT CARD A SECOND TIME. 
{$100.00} XX/XX/XXXX HAPPENED AGAIN ON THE XX/XX/XXXX. SAME THING. COINBASE TOOK  ANOTHER {$100.00} FROM SAME ACCT. 

HAD TO SEVER LINK BETWEEN. 

CALLED BANK. THEY ARE DISPUTING IT FOR ME. 

THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
I have a Wells Fargo account being advertised on my consumer report. I initiated this transaction using my " credit card '' and my privacy is being violated. I was made to believe that it was mandatory for the furnishing of this charge-off. I have come into information that leads to believe this is false and predatory. Fair Credit Reporting Act does not even define a charge-off. The financial institutions and credit reporting agencies have colluded to infringe on my rights by monopolizing my personal information. I was never given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and nor was given an explanation of how I can exercise that nondisclosure option. Subsequently, I have been charged excessive interest as a result of the lower credit rating following this. 

I am citing that Wells Fargo is in violation of Title 15 of the United States Commercial Code Chapter 94 subsection 6802 [ B ] [ C ]. I am aware of the civil penalties associated with these violations. 

I have made a report with the Federal Trade Commission on XX/XX/2022 in the same manner and with the same power and authority as the Commission has under the Fair Debt Collection Practices Act [ 15 U.S.C. 1692 et seq. ] engaging them to enforce compliance with such Act.

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 2022-03-07
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a text message from XXXX stating my credit card was charged XXXX. The message said to call XXXX. When i did they had me down an app called Anydesk. They had me go into my XXXX account, had me apply for a credit card then was trying to have me send {$500.00} to XXXX. I then hung up the phone and deleted the app off my phone right away

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 was not working during the summer and I could not make payments on all of my loans ( I have three different loans with XXXX ). I did make payments on the smaller ones, to make sure not all loans were late, but I did n't make the payment for the month of XXXX and XXXX on my {$170.00} loan. I called XXXX several times to make sure they would know of my situation. I was told several times that as long as I did n't fall behind my payments for longer then 90 days they would not report to credit agencies. I did my best, I did what I could do to keep my account in good standards. I called XXXX to make a payment arrangement of {$450.00} for a few days before they said my account would be reported to major credit agencies, on XX/XX/XXXX. Today I received an email from XXXX XXXX saying that my score has gone down and that I fell behind my payment. I am extremely unhappy and upset. During the summer I was driving XXXX and XXXX to make sure I would take care of these payments but XXXX did not keep their promise and Inow have a negative on my credit report. Is there something I can do to update my credit score? Can XXXX fix this problem? All these arrangements were done over the phone and I now know that whenever I arrange something I should email them.

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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I dont recognize these inquiries and I might have been affected by a breach or information might have been in the wrong hands

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 2022-09-02
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I value my relationship with the bank this is not a complaint against capital one. I went on XXXX to hair dresser after they promised me they would honor XXXX dollars for color. they did not keep that promise. I tried to explain this on my time to dispute supervisor. I said initially i want to dispute the XXXX dollars. they ripped me off. Of course they will differ but i know what happened. i was going to get a groupon for XXXX they said we will honor the price they do that to get more money so i avoid groupon. in the end they overcharged me. In addition on Monday XXXX i started feeling pain in my XXXX  XXXX  sure enough i have a XXXX  XXXX XXXX i am still recovering from. i emailed them as likely it was from water being left in my ear which likely occured there. No response from them. I now wish to dispute the entire XXXX dollars. I hope this is clear I also sent back dispute papers to back all up this is for card ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: DISCOVER BANK
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: Investigation took more than 30 days

Complaint:
I have contacted Discover Financial Services and Student Loan Corporation about inaccurate information reported on my credit report. Monthly they have reported that my account is in bankruptcy, with a {$0.00} balance, and derogatory. Also this is completely inaccurate information as I have a balance that I pay monthly on time. This has caused my credit report to drop 7 points. Each time this inaccurate information has been reported, I have called and spoke on the phone several hours with specialists about their reporting errors. They claim they have done everything to resolve this issue and refuse to provide me anything in writing pertaining to their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: SC
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 have been disputing these 2 files for a while now and they keep coming back validated, but they have not provided me any proof of what they have to show how they keep validating the account. I filed a FTC report and everything. 
According to 15usc1681b no permission. I am the consumer and I control what is reported on the report. Fraudulently placing on the account is grounds for imprisonment and or {$1000.00} per violation. I will seek remedy for all violations on the account. 
Privacy law is also broken according to the privacy act of 1974 ( 5 USC 552a ) protects personal info by the FEDERAL GOVERNMENT preventing UNAUTHORIZED disclosures of info. Individuals have the right to review such info, request corrections, and be informed of disclosures.

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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have been disputing these 2 files for a while now and they keep coming back validated, but they have not provided me any proof of what they have to show how they keep validating the account. I filed a FTC report and everything. 
According to 15usc1681b no permission. I am the consumer and I control what is reported on the report. Fraudulently placing on the account is grounds for imprisonment and or {$1000.00} per violation. I will seek remedy for all violations on the account. 
Privacy law is also broken according to the privacy act of 1974 ( 5 USC 552a ) protects personal info by the FEDERAL GOVERNMENT preventing UNAUTHORIZED disclosures of info. Individuals have the right to review such info, request corrections, and be informed of disclosures.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-26
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This notice is being sent to you pursuant to a Consent Order issued by the Consumer Financial Protection Bureau ( CFPB ) on XXXX XXXX, 2015 in the matter entitled In the Matter of XXXX XXXX XXXX , XXXX. also doing business as XXXX and Universal Acceptance Corporation, CFPB File No. : XXXX. 
This notice is sent by Universal Acceptance Corporation, because Universal Acceptance Corporation has furnished inaccurate information about some of its customers to the nationwide consumer reporting agencies XXXX, XXXX and XXXX. The inaccuracies may have adversely affected your credit. 
Consumers have a right, under the Fair Credit Reporting Act to receive one free credit report from each of the nationwide consumer reporting agencies during any 12-month period. 
If you have not already obtained your free annual report, you may do so by visiting XXXX or by calling XXXX. 
Whether or not you have already obtained a free credit report from one or more of the nationwide consumer reporting agencies during the last 12-months, you may obtain an additional report from XXXX at no charge to you for 180 days following your receipt of this Notice by calling XXXX. Go to XXXX for any additional information. 
If, in reviewing your credit report, you identify information that you believe to be inaccurate, you may dispute that information as follows : Direct Disputes : You may submit a notice of dispute directly to Universal Acceptance Corporation of the information you are disputing by calling Universal Acceptance Corporation at XXXX or at one of the following addresses : 1. The Universal Acceptance Corporation address specified in your credit repor 2. UAC, XXXX XXXX XXXX, XXXX, MN XXXX, or

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 2022-09-02
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report.

US DEPT. OF EDUCATION/XXXX  - {$14000.00} Opened - XXXX XXXX XXXXXXXX  ( XXXX yrs, XXXX mos ) Account status - Open Type - Educational The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-07
Company: EQUIFAX, INC.
State: NC
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 HAVE SENT EQUIFAX, XXXX, XXXX & XXXX SEVERAL WRITTEN NOTICE OF DEMANDS WHICH WERE ALL IGNORED. I DID NOT GIVE EQUIFAX WRITTEN CONSENT TO USE OR FURNISH MY INFORMATION TO ANY THIRD PARTIES, AGENCY OR COMPANY. PLEASE SEE ALL DOCUMENTS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
Equifax removed my XXXX XXXX XXXX that is still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: Bread Financial Holdings, Inc.
State: VA
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:
On this account I am listed under responsibility as the authorized user. I believe that since I am not personally responsible for this account that it should not appear on my credit report. It has a high balance compared to its credit amount which I believe effects my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-27
Company: Village Capital & Investment LLC
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: Their investigation did not fix an error on your report

Complaint:
I have tried to resolve this issue through cfpb on XXXX previous occasions and it has not been resolved yet. 
Complaint Numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX requested a letter from me authorizing the Credit Bureaus to remove the Hard Inquiries and she sent XXXX XXXX XXXX XXXX authorization for release to the credit bureaus. but XXXX XXXX XXXX has yet to remove them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: CREDIT ACCEPTANCE CORPORATION
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 information incorrect

Complaint:
Credit acceptance is reporting XXXX Payment not received. I am on auto pay and here is the confirmation number 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