BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: MO
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts 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 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
TransUnion is reporting inaccurate information on my credit report. They have continued to publish a wrong addresss on my file for years. They ignore letter and disregard my attempts to resolve matter

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 2019-12-24
Company: EQUIFAX, INC.
State: PA
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 disputed this item, because it doesnt belong to me and, I asked for verification, and they were unable to provide that information, so I was sent a status update, saying it was deleted but, its still there and they are failing to do what they said they did or going to do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Coinbase showed me a 2-day hold on an ACH when I submitted the transfer they came back telling me they are holding it for 16 days. I have tried to get an explanation for the hold and they won't share with me the reason why. I asked to be escalated to their supervisor and they have refused. I tried calling to get someone on the line and it hang up the phone when I dial the option for support. I feel that CoinBase is using deceptive practices and potentially committing some type of fraud with the fact that they are holding an ACH for less than XXXX More than the one day allowed. Because of their refusal to provide any additional information or escalate me to someone who can It furthers my fear of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 2019-12-23
Company: EQUIFAX, INC.
State: FL
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:
It's not my account and inquiries, i never applied for this. I believe, that somebody used my personal information and applied for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am contacting you about credit bureaus doing disputes and calling company and saying dispute has been dealt with no investigation has been done except calling the company who has put incorrect information on your credit report. The credit bureaus are not investigating disputes. They just take the word of the company giving the information. any one can claim to be a company and put false information on your report. with all the identity theft going on people can put false information on your credit report without justification. Then it gets disputed and the bureau calls the person puting the information on the report and say it has been investigated. it the mean time your credits being improperly reported. you only remedy is hire and attorney yes your credit is ruin and you can not afford an attorney. Now what happens i have been complaining and trying to solve problem with individual bureaus but they have no avenue to  file a complaint. they are not responsible for insuring the information submitted is correct. My credit has taken a hit due to federal government extended time to show me XXXX and pay me as such. Took one year for social security which was quick and two years for the postal service to pay you what you deserve and since it is the federal government they are not obligated to pay interest on  that money. I am still waiting on VA to pay my claim fromXX/XX/2016

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 2023-01-04
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt belongs to XXXX XXXX XXXX XXXX. Ive XXXX Contact XXXX and XXXX the j formation. The account that they have belongs to XXXX XXXX XXXX XXXX. The account was/is a business accoubt for XXXX XXXX XXXX XXXX. I do not and have npt worked for XXXX XXXX XXXX XXXX since 2021. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: OH
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 am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize. The following accounts : -U S DEPT OF ED/GSL/ATL # XXXX -U S DEPT OF ED/GSL/ATL # XXXX XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
They keep telling me these accounts have been verified true but they havent provided a wet signature or any contractual agreements this is defamation yo my character and is causing a lot of financial problems like trying to buy a home and I cant because of inaccuracies

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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 XXXX inquiries on my report and none of them are mine. I was already a victim of identity theft, froze my report, or so I thought but my report was never frozen/locked. I believe this is identy theft again due to the negligent practices of the current reporting agency

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 2018-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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 set up auto pay for {$75.00} payments each month which covered the minimum payment due on online banking on the Capitol Ones website and the minimum payment went up and it didnt adjust the payment to cover the minimum payment due, so for three months I didnt catch it because I had went to paperless statements. During those months ( XX/XX/XXXX-XX/XX/XXXX) I couldnt not log into my account because of a security breach, is what I was told. When I contacted the company just recently the week of XX/XX/XXXXand requested they reverse the honest oversight for a customer of 15 years who has never missed a payment they simply denied my request. I then had an executive representative do a review of the situation and they still denied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Phoenix Financial sent a letter on a debt this is a Medical debt that is dated XX/XX/XXXX. This debt was paid. I requested a debt validation and a copy of the bill and HIPPA Release form that gives Phoenix Financial the right to my Medical Billing information. They refuse to supply HIPPA information but sent the bill. The problem is their are multiple dates on this bill. A service date of XX/XX/XXXX and a bill date of XX/XX/XXXX this is not correct. This bill shows a current Patient Responsibility of ( XXXX ). It also, states in bill the amount you Owe is ( XXXX ). This Bill was paid. If you look at the bill it says charges of XXXX. Payments or Adjustment XXXX and amount owed XXXX. Even when you look at the bottom of the bill it say Pay XXXX. Phoenix is trying to collect on a debt that is paid. In Addition, Phoenix is not following the FCRA or FDCPA by re-aging this bill to extend the reporting time to the credit bureaus. I sent in a copy of my XXXX XXXX stating this bill will report until XX/XX/XXXX. If this was a valid Debt is should report starting from the delinquency date. Not the date they place on my credit report. I contacted the XXXX XXXX XXXX and they stayed there is NO DEBT Owed for a Service in my name. This entry is damaging our credit report. Please investigate me and my husband are retired on a fixed income. We don't have the money to pay for a debt that is paid. Thank you sincerely retired and need help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 discovered inaccurate information on my credit report. The report is in my name XXXX XXXX and my Social Security number is XXXX. I believe this account is reporting inaccurately. I do not recall having an account with this company. I don't think there is legal contract between this company & myself. I would like you to provide me verifiable proof this account belongs to me. I request a signed contract which will demonstrate a legal agreement. Please delete. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XX/XX/XXXX I would like to file official fraud and discrimination charges against JPMorgan Chase Bank. A six figure sum of money was wire transferred from my account to a location not disclosed to me. This was done at a time when my access to my account was denied. The branch manager or someone at the bank moved this money without my authorization or consent. The transaction was done by fraudulently using my personal identification information. My requests for written, retrievable documentation, regarding this wire transfer, and identification of the authority by which it was done, has been denied me. What the bank put me through was a direct violation of THE CODE OF FEDERAL REGULATIONS ( CFR ) TITLE 31 : Money and finance, Part 1020-Rules for banks. 1020.410 a ( 4-5 ) ( 4 ) Retrievability, and ( 5 ) Verification.The bank, also, violated its own deposit agreement. The branch manager knowingly and willingly made false statements to me about the only means that could be used to allow withdrawal from my account. The banks denial of access to my account was blatant abuse of the federal fiduciary powers granted to the bank. The Bank manager told me this could not be my account. He also told me the drivers license and credit card I provided was false. He could not allow me access to an account that was not mine ; unless he was provided a debit card. This older account has never had an activated debit card. I did not use the ATM network. In answer to my complaint against the branch manager, his story changed. The branch manager, then, stated he had my protection in mind and wanted to ensure that I was not being coerced to make a withdrawal by a third party. Extraordinary means were used to prevent me from accessing this money in my account. I was denied access to these funds in an attempt to divert the funds to a different location. By the time the several days required to mail me a debit card had passed and I returned to retrieve the money, it would have permanently disappeared. This was my life savings. I am still suffering negative financial and emotional repercussions because of that XXXX XX/XX/XXXX, denial to my account. Please reference the article on page iii of the attachments to this charge. The article was dated XXXX XX/XX/XXXX and was from XXXX XXXX XXXX. Former bank teller accused of stealing {$27000.00} from customer accounts. It was admitted that dozens of withdrawals were made, over a period of six months, by creating debit cards and forging checks. This is almost identical to the situation in which I found myself. What happened to me was so much more than negative customer service. What happened to me was fraud and discrimination at the highest level. I am requesting that this action by the bank be thoroughly investigated and JPMORGAN Chase penalized to the maximum extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: SinglePoint GI
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called debt collector General Avenue to verify the debt because I was only sent the list of payments but not the verification of my signature. It was reported to my credit report and I would like it removed and for them to perform a proper debt validation under the Fair Debt Collection Practices also prove they have a legal right to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was online goin though my consumer report as I was handling all my responsibilities and I noticed that I had some accounts that's on my report that is reporting incorrect and by the reporting agencies reporting this information it is hurting my ability to obtain credit and respectful move on from this situation The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove ASAP.

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 2019-05-03
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/19, my mortgage payment for {$1800.00} was presented through ACH and overdrew my account {$40.00}. I immediately transferred from another bank {$100.00} on the same day. In addition, my payroll {$1900.00} plus a social security deposit of {$670.00} at midnight the same day. My mortgage payment was returned without payment and i was charged {$37.00} overdraft. I came to Huntington Bank over 10 years ago because of their " 24 hour Grace '' policy. I have used it through the years at various times. In the past two years, i have had issues as they did not allow 24 hour grace! Their advertisement is misleading. Per their advertisement, you are supposed to have until Midnight the following business day to cover the overdraft. My subsequent deposits MORE than covered the overdrafts!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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:
These companies are being reported as hard inquires on my credit report, and I do not recognize, nor have I given consent to any of them to pull my report. According to the consumer laws for my protection the following companies must provide documented proof with my signature on it stating that I authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then TransUnion, XXXX, and XXXX must remove these inquiries from my credit reports. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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