BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it May concern. I have a credit card with the XXXX company and they are reporting my credit incorrectly, they reported me a late payment. I have made all my payments on time. This is seriously affecting my credit report. Please request that you remove this late payment from my account.

Company response to consumer: In progress
Consumer complaint received 2020-03-08
Company: ENCORE CAPITAL GROUP 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: Investigation took more than 30 days

Complaint:
Filed a written account dispute claim with XXXX  that was processed on XX/XX/2020. The claim was for an account I did not recognize and requested the lender and the debt collector provide verification documents regarding an account with XXXX XXXX Visa/Midland Funding, LLC debt  collector. I also sent a written notice to the lender and the debt collector requesting verification documents. I received my latest credit report today XX/XX/2020 from XXXX  and the account in question is still listed. Subsequently, I immediately checked the status of my dispute with XXXX  to see what the results, if any, had been provided. According to the XXXX  dispute center this account is STILL under investigation. It has now been 35 days since the dispute was filed and verification documents were requested. According to the Federal Trade commission guidelines set forth in the FCRA the investigation is required to be completed within 30 days. Also, the information is to be blocked during the time of the investigation. As this is day 35 of the documented start date of the dispute, all parties involved, XXXX, the lender and the debt collector are in violation of the statute. I have not received any documentation validating the accouts, I have not received any correspondence whatsoever from anyone regarding this dispute. The fraudulent account to this day remains on my credit report and has been cited by several lenders as reason that I was denied credit. I expect XXXX, the lender and the debt collector to immediately stop furnishing information on this account and since the time allotted for such as dispute is far past the 30 day mark, this is a direct violation of the FCRA and it is my sincerest hope this complaint will result in the removal of the account from my credit report immediately thus preventing a court ruling to remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: PA
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:
See attached documents, the personal information you are reporting are not mine.

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 2021-10-12
Company: Experian Information Solutions 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 submitted an online dispute with Experian on XX/XX/XXXX and on XX/XX/2021 I received their result online. The items I disputed were XXXX XXXX XXXX  that starts with XXXX and XXXX XXXX XXXX that starts with XXXX. Experian completed their investigations in less than 3 days. No way was this a thorough investigation process. In my dispute, I have requested contracts with my signature to prove that these accounts are mine. I suspected Experian requested public information from XXXX or XXXX XXXX. Please direct Experian to delete these unknown accounts from my credit report. Their lack of investigative process was not accurate. By FRCA law and FTC Law, my report must be accurate, no errors and verifiable. I have attached their online result for your reference.

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 2021-10-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is an inquiry in my credit report for a company in Rhode Island with a XXXX Illinois telephone number. The telephone number is a scam telephone number. Additionally, Ive not ever requested any type of credit from this company. I sent multiple disputes to Equifax and they continually report this error on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX, I went to Chase Bank ( XXXX CA ) and requested that {$25000.00} be deducted from my Traditional IRA Account and that {$10000.00} be deposited in my saving account, {$10000.00} be forwarded to the IRS ( to prepay XXXX tax ) and {$5000.00} be forwarded to the Franchise Tax Board ( CA ) to prepay XXXX state Tax ). 

The IRS received the {$10000.00} and credited by account and my savings account was also credited with a {$10000.00} deposit. I assumed the XXXX had also received the {$5000.00} and would credit my account. 

In XXXX, XXXX, I filed my California Form # XXXX ( personal Income ) and submitted the IRS Form 1099-R which I received from Chase Bank indicating that {$5000.00} of State Tax was withheld. 

In midXXXX, XXXX, I received an Income Tax Due Notice from XXXX that I owed {$5000.00}. My total tax for XXXX was {$8000.00} and I paid {$3000.00} at the time of filing, believing that the {$5000.00} which was deducted from my IRA account made-up the total of {$8000.00} FTI acknowledge receipt of the Form 1099-R but said that the cash was never received and that the Form 1099-R was just a piece of paper and that I still owed the {$5000.00}. 

When the Final Notice Before Levy and Lien was received ( XXXX ) I pay the XXXX {$5600.00} ( which included a penalty of {$580.00} and Interest of {$100.00}. 

Chase says it sent the money ; IRS says it didn't receive it. 

My XXXX account # is XXXX My SS # is XXXX How do I get my {$5000.00} back?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Payward Ventures Inc. dba Kraken
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On approximately XX/XX/2023, I conducted successful deposit and withdrawal transactions to and from my Kraken account. However, on approximately XX/XX/2023, when I transferred all my crypto assets of {$230.00} XXXX into my Kraken account with the intention to sell and transfer the funds to my bank account, and after successfully selling my crypto assets, I discovered that I am unable to withdraw any amount of my money, even within the permissible limits. 

Promptly, I opened a support ticket and provided all the requested documents. Despite my continued efforts, the Kraken support team 's responses have been limited to acknowledging that my account is under review, with no indication of an estimated completion date or requests for additional information. 

The Kraken legal team did not respond to my email. The support team over the phone can not do anything about it. There is absolutely no communication from Kraken about when this issue will be resolved or what additional documents I need to provide. 

I fully committed to cooperating and promptly addressing any legitimate concerns that may have arisen. I am also willing to provide any additional documentation required to expedite this process.

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 2023-07-14
Company: Experian Information Solutions Inc.
State: TX
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:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-07-14
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
Company: The CMI Group, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This creditor which was hired by XXXX was paid off in full. Myself and the company had a verbal agreement " if I continue to make payment the collection item will not be reported to the credit bureau. The account is now paid off and the company has reported it to all three credit bureaus. I paid the account off in full. Now the company is refusing to remove it from my report and saying I owe them {$110.00} which was paid off in full. I have spoken to a number of representatives each time the phone is hung up or I am transferring to full voicemail. I am requesting for this amount to get removed from my credit report and to stop falsely getting accused of owing money that I do not owe. The company is a SCAM. The last two payment of {$50.00} was paid on XX/XX/2022, and XX/XX/2022, as shown on the attempt. The company accused me of not paying the remaining balance of {$100.00}. and charged a late fee of {$10.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The following issues are still issues pending from complaint XXXX I received a delinquent mark on my credit report. The payment history and letter attached indicate " Pays as Agreed '' with zero payments paid over 30 days past due. Also, the record provided shows no late payments. Please have them correct the delinquent report. 





The following was indicated on my credit report : Account Number : XXXX Creditor 's Name XXXX XXXX XXXX  Type Of Industry : Auto Financing Address : XXXX XXXX XXXX, XXXX XXXX MN  XXXX City : XXXX XXXX : XXXX XXXX XXXX MN Amount Delinquent : XXXX Payment Status : Late 90 Days Also, Clause 12, Official Fee and Taxes, only indicates that Lesse is responsible for making all payments on the lease, including any government levies, which I did. Although I made all such payments to NJ as the " government. '' The insurance sales tax entitled to me from the insurance settlement is not to be paid to XXXX the Lessor. I am entitled to the XXXX tax payment indicated on the Letter of Guarantyship.

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 2019-04-24
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:
Experian would not investigate the false charge on my credit report, and wouldn't send a copy of the investigation.

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 2022-11-29
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: Their investigation did not fix an error on your report

Complaint:
I am very upset! 

I have submitted several disputes by mail to the credit bureaus to fix incorrect and incomplete accounts in which they fail to properly verify. I have yet to receive a response or solution from them. 
I have provided them with a very DETAILED dispute letter, clearly identifying the specific account names, numbers and details as to why it is reporting inaccurate and/or incomplete. 
I have even included screenshots of each account specifying the inaccuracies and incompleteness. 
I have still not heard a response to fix this issue, it has been well over 30 days for them to respond. 
THIS IS ABSURD!! HOW DO THEY HAVE THE LEGAL RIGHT TO CONTINUE TO REPORT INACCURATE INFORMATION WHICH IS CLEARLY IN VIOLATION OF THE FCRA!!!

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 2023-01-25
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: Account status incorrect

Complaint:
On all three of my credit report there is an open account with Dept of Education XXXX with a balance of XXXX. However, this account was closed and my loans was transferred to XXXX. I would like for this account to be updated on all three of my credit report showing that this account has been closed.

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 2021-10-12
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
TCF bank transitioned to Huntington Bank effective today XX/XX/2021. They sent me a welcome packet dated XX/XX/XXXX stating that my account number would change, but did not disclose to me my new account number. Access to my TCF ended XX/XX/XXXX, leaving me without access to my bank account. Huntington stated that I could register online beginning XX/XX/2021 to obtain my checking account number. However this was a blatant lie, they were completely unprepared for this transition and their website does not work. Their automated system refuses to provide me with my account number. I know my account number ends in XXXX as they mailed me a new debit card, thus they have known my new account number for some time but have refused to disclose it to me. When I call in the automated system refuses to provide my new account number, and the hold time is several hours for a representative ( I'm on hold right now and have been all morning ). I would like Huntington to be fined XXXX XXXX dollars for every TCF account they have taken over and failed to disclose the new account number. They should have provided the new account number to me in the mail with their so called welcome packet instead of directing me to their website on a future date, a website that doesn't work. Huntington has caused every TCF customer pain, their transition is the opposite of smooth and simple. They need to pay a fine for their incompetence and negligence. I also feel bad for their employees that have to deal with throngs of angry customers. Please make their board of directors feel some of the pain they have inflicted on all of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
After reviewing my credit reports I noticed that you are alleging that the account is Charge off without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove this negative and adverse remarks. 

XXXX XXXX XXXXXXXX Balance : {$69.00}

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 2023-12-28
Company: Westlake Services, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Westlake Portfolio Management has called me at least 3 times a day, 7 days a week. This is disruptive to my day-to-day. My phone is constantly ringing and its harassment at this point. The times I have picked up the calls, I have been hung up on which is a complete waste of my time. When I do connected to a caller, they are very disrespectful- talking over me, telling me not to tell them how to do their job when I state my rights to not be harassed. The caller has admitted to using robocalls as well when I said that I get hung up on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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 sent multiple letters and called multiple times to the credit bureaus about how they're violating the fair credit reporting act 15 USC 1681i ( 5 ). The credit bureaus said everything was completed and accurate and i asked them how if the date opened is wrong. 

I also asked for description of the investigation according to 15USC 1681i ( 7 ) and it was not given to me although i have proof of my letter and complaint sent to the FTC. 

Also according to 15 USC 1681 s-2A " 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 information is inaccurate '' Too many violations are causing me and my family distress and holding us back in many financial aspects. I ask that the credit bureaus be held accountable

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