BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
i XXXX XXXX, natural person am submitting a dispute on my own with no help of anyone, my dispute letter is attached plus proof of violations please see attachments. 

XXXX you are also in violation of 15U.S CODE 1681N CIVIL LIABILITY FOR NON-COMPLIANCE YOU ARE ALSO IN VIOLATION OF 2. 15 usc 1681 e ( B ) 3. 15 U.S. Code 1693a ) 4. : 15 usc 1681 ( a ) ( 4 ) 5. 15 usc 1681b ( a ) ( 2 ) 6.15 usc 1681a- ( e ) YOU STATED IN YOUR LAST RESPONSE : " VERIFIED AS REPORTED '' IT IS CLEAR THAT YOUR COMPANY DECEITFUL AND YOU HAVE NO LEG TO STAND ON, LITIGATION HAS BEGUN AGAINST YOU

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: IL
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:
This is in regards to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have sent mulitple letters to Transunion about these accounts. The last time I spoke with a manager/supervisor who told me what the problem was and what I needed to do to fix the issue. The letters I have now are proof that these accounts are inaccurate and should not be reported on my credit report at all. XXXX XXXX was deleted from XXXX because the account was opened under someone else. 's name. XXXX XXXX has asked for me to send information regarding to the fraudaluent charges which I have no issue with but Transunion needs to delete the account before proceeding. The proof that I sent to XXXX was enough to delete so I am not sure why Transunion is requiring me to go through hoops and hurdles when it is their responsibility to make sure that a consumers report is accurate. According to the FCRA ; ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. In refards to XXXX again according to the FCRA ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. With that being said the proof is that I have receipts, letters, emails, texts, etc that shows different amounts that I alleged owe. I am not sure how they came up with the amount they came up with but I know that it is incorrect. I owe nothing. The account should be closed with 100 % payment history in good standing. I never missed a payment and this is causing damage to my character which is a violation of the FCRA. There were no missed payments. Account was closed. Please fix proof attached. It is Transunions responsibility to make sure that everything is accurate before allowing it to be posted on a consumer 's profile. Seeing that dates and amount are listed on receipts, emails, etc please do your due diligence and fix account. XXXX ALSO NEEDS TO VALIDATE THE ACCOUNT AT THIS POINT. THESE ITEMS ARE INNACURATE, IT is a violation/ against the law to keep invalid information on a consumers report for any reason. The proof is here in the attachments. If more proof is needed, I can prove but these items are inaccurate and should not continue to be on my credit report.

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 2019-01-28
Company: Accounts Receivable Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
On XX/XX/2018, I am doing a settlement to XXXX XXXX XXXX XXXX XXXX, File No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX using XXXX XXXX XXXX Attorney at Law but they are not a lawyer XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone # XXXX where I paid {$3000.00} from my Debit Card ending XXXX and it shows from my bank account that they received my payments. I called them today that they will be sent a printout receipt from their system. Now, I received another collection letter from another collection company name : Account Receivable XXXX XXXX XXXX XXXX XXXX XXXX,   WA XXXX phone XXXX  claiming a {$5000.00} don't want to deduct my payment {$3000.00}. XXXX XXXX XXXX XXXX XXXX  already removed my derogatory remarks from Credit report such as XXXX, and XXXX XXXX was already deleted XX/XX/2018. They advise me not to send a payment to XXXX XXXX XXXX until they send me to collections and we have to file a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR 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 non-monetary relief
Consumer complaint received 2021-04-15
Company: Financial Assistance Inc
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am filing a second complaint on Financial assistance. They are trying to collect on a debt for XXXX XXXX XXXX. I have never conducted business with this credit union. They do not do any type of business in my area nor do I even qualify for there field of membership. First financial responded in previous complaint that XXXX XXXX has verified the debt on 2 different collections they are trying to collect on. One of them the account number is XXXX and the other is XXXX. I sent the credit bureaus a request to block the fraudulent information from my file pursuant to section 605B on the Fair Credit Reporting Act and they requested the credit bureaus to unblock the account duet to Material representation. I am attaching a few dispute letters I sent them Certified mail I also emailed copies to an employee or supervisor by the last name XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Wells Fargo added an insurance policy to my account in or around XX/XX/2016. I believe I have payed on that and want to make sure that I havent. I was insured through my own insurance and they should have never added me. I called and had them cancel it but I want to know how much I was charged for when I was double billed

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: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Received a notice from XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, NJ XXXX. Attorny for plaintiffXXXX XXXX XXXX and file number is XXXX. Comenity Bank XXXX XXXX in the amount of {$570.00} plus costs now the balance due is {$720.00}. 
They are stating : IMPORTANT NOTICE- PLEASE READ CAREFULLY FAILURE TO COMPLY WITH THIS INFORMATION SUBPOENA MAY RESULT IN YOUR ARREST AND INCARCERATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am an IL XXXX XXXX of 21  years, with a student loan that I believe was consolidated by Navient, My loan is through Navient, that's who I make payments to monthly. I XXXX in an underprivileged XXXX XXXX XXXX. XXXX XXXX XXXX in XXXX, IL  ( 7  years as of XX/XX/2020 ). Navient is fraudulent because they offer XXXX  forgiveness and then they reject XXXX  applications. I met all the criteria to receive XXXX  forgiveness. As I mentioned, I XXXX  in an underprivileged XXXX XXXX XXXX that is 100 % free lunch for all students. I am also a specialized XXXX  certified in XXXX XXXX. That is also the criteria to qualify for XXXX  loan forgiveness. I have applied several different times with my district HR Administration signatures and sent the application to Navient and I waited for months only to get rejected. XXXX  loan forgiveness states that it will forgive alone when it's {$17000.00} or less or up to {$17000.00}. They make it impossible once you apply to ever get loan forgiveness, it is fraud. Advertising XXXX  loan forgiveness and then making it impossible to receive it. My loan is just a little bit over {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: N.A.R., Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
N.A.R., Inc. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX To Whom It May Concern : This letter is in response to your recent claim regarding and account in which you claim I owe {$500.00} Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a FINAL goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$5000.00} in damages per violation for : 1. )  Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
after repeated harassing calls from progressive Management systems and me time and time again repeating myself not to call me during those hours because I work independently for a company called XXXX XXXX XXXX and that it is affecting my job they continue to attempt to collect a debt I do not owe and should have been serviced by XXXX XXXX hospital  through its billing system to XXXX. The dates align the billing the lines and progressive management should not be allowed to break the fcra current laws in regards to debt collection XXXX should XXXX XXXX hospital dump its lack of billing personnel on the future of my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/21 I created a crypto account with a company called Coinbase and bought {$130.00} of various cryptocurrencies with my debit through their mobile app. I bought XXXX dollars in Bit coin, XXXX dollars in XXXX, XXXX dollars in XXXX and bought XXXX dollars of XXXX XXXX XXXX coins. I could see the reflected balance fluctuate with the market on my porfolio up until XX/XX/21 XXXX XXXX. When I check my porfolio and hour or so later my porfolio showed a balance of XXXX. I checked the transactions on each crypto and there no recent transactions to show why my balance is XXXX. It only showed the amounts I purchased the night before. Out of concern I locked my account and emailed coinbase several times I recieved a generic reply from a third party website asking if my problem was resolved and replied " no it has not ''. I tired to contact customer service by phone as well but can not get in touch with a live representative. Only an automated line that allows you to lock your account if you feel it has been compromised. I researched online and found forums with many people having this same problem. Can you please help stop these crooks? 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
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:
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 2022-11-03
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I had a credit card opened fraudulently under my name. It was opened back on XX/XX/2020. The credit card that was opened is called XXXX, by Comenity. 
I never knew it was opened until I received a billing statement from them. I had my wife call them to see where, when and by whom this credit card was opened. They gave her the information, after they wanted to talk to me to give her permission to talk to them on my behalf. She asked where it was opened at, which store, and they told her it was opened online, and she continued to ask what kind of store this is, and what was purchased. As the statement doesn't show what was purchased. They would not tell her what was purchased as they told her, that we should know. They continued back and forth with questions etc. I then told my wife to tell them it wasn't me and I'm not paying for something that was fraudulently done on my name. They continued to be a bit rude with my wife as she had them on speaker and I was listening to the entire conversation. The customer service representative continues to tell my wife that I needed to pay the debt that is due. I told her to tell them again that I was not going to pay for something that was done fraudulent under my name. The conversation got nowhere as the XXXX continue to be rude and insisting that I opened it and therefore need to pay for it. I refuse ; therefore nothing was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My original car note was paid in full. XXXX XXXXXXXX sent me a lien free title after they received notice. When I went to apply for a new home, I was informed that there is still a balance owed showing on my report. The consumer reporting agencies by law have an obligation to report is continuing to furnish inaccurate information to my report 100 % accurate information to consumer reports. This account has been written off as paid on the books of financial institution and reported to the IRS. Reporting this debt is a direct violation of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: CA
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:
Called XXXX XXXX For a letter confirming that I have paid off balance of XXXX card and paid half of balance on XXXX nd card.. Not received any letter from XXXX XXXX.. customer service confirms card have received my payments but refused to send me a letter via Fax or Email. 

I need the letter so I can clean up my credit report so I can apply for mortgage loan. This is delaying my mortgage application and can cause denied application. I have provided an email and fax number, but XXXX XXXX Customer service lies that it has been sent, Nothing is received, unlike All other credit card companies, XXXX, XXXX, XXXX XXXX and other have sent me fax confirmations in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My information have been infected by the Transunion data breach and may got into the hands of the wrong entity.

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 2023-11-16
Company: NAVY FEDERAL CREDIT UNION
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:
These inquires need to be deleted off my credit report. I did not authorize these companies to run my credit therefore these inquiries are fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX is reporting a credit card as charged off for {$950.00}. Then they are reporting a balance of {$620.00}. The company has a due date if the XXXX of every month. If this account was charged off, the company would not ask for a payment due on the XXXX of every month and if the balace is going down every month, it should not have an amount of {$950.00} charged off. This account is reporting incorrectly

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 2020-04-09
Company: EQUIFAX, INC.
State: VA
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 submitted a dispute because none of these companies notified me 5 days prior toplacing information on my credit report. I requested proof of an originaln document showing my name and address on it and the credit bureau has not reposded to my requests. The accounts are from ; XXXX  XXXX XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Is Reporting a Fraudulent account i have reported this account for over XXXX year and XXXX XXXX to side corporate scam, abuse of power, in conspiracy with big XXXX and abusing consumer with the reporting of ILEGAL AND FRAUDULENT INFORMATION XXXX XXXX XXXX # XXXX {$5200.00} Past XXXX XXXX Opened {$5000.00} Credit Limit {$5200.00} Balance Individual Account Revolving Account Type Closed Condition XXXX Date Reported {$0.00} Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current XXXX {$40000.00} High Balance {$35000.00} Balance Individual Account Installment Account Type Open Condition XXXX Date Reported {$650.00} Payment These Account are not mine and they are fraudulent i have told the for the past year

Company response to consumer: Closed with explanation