BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have a charged off account on my credit report from XXXX  XXXX for {$540.00}. I have filed a claim with all XXXX credit bureas XXXX, XXXX and Experian. Stating this account is not mine and that it was fraudelent account. All XXXX credit reporting have completely different information on all bureas.Some no payment history. XXXX has different opening date. SO i called capital one and ospoke to a representative and they hung up in my face after being on hold XXXX hour. Then i called back to asked for verification of account such as whats the email address on file, what address it went too, what account the payments was made from etc. They did not provide me wiith this information. This company has clearly violated my FCRA rights. This is slander my representation as a human

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 2023-01-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Coinbase, Inc.
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
i have a Coinbase XXXX  account and in it was a balance to use for trading, selling, buying. Beginning XXXX 2021 I had a XXXX balance showing to use by Coinbase. all the sudden since XX/XX/2021, I have received emails stating I was unable to cash out any of the balance and owed. so, I waited, but needed to add more since the amount showed was unusable and added on XX/XX/2021, my own bank transfer of XXXX  since I was unable to use or cash out on the XXXX balance showing. I agreed to have Coinbase take what was theirs, and they instead took XXXX  total within 7 days and said I owed them that, i have emailed through the form online to have fixed and no response. my concern is the inability to use the original amount XXXX total, as if it was unaccounted for and they were not truthful and had used fake figures to take my money and not pay out my account when asked. plus, prior to the XXXX which i rightfully did not have on the owed amount of XXXX, I was seeing a lot of error try again later on the platform Coinbase uses, they took this as well. also, locked out for no reason or measure. I feel like i was frauded and stolen from. I just want the money i deposited and gained from Coinbase stock trades, refunded and the company to be exposed for fraudulently giving my money a false hope gain and their cash in and outr as willed figure be paid to me at my own time. like stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
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: Their investigation did not fix an error on your report

Complaint:
i recently made the discovery of an fraudulent account on my credit report. i completed an ftc report, and also filed a police report of the accounts. i sent these documents to XXXX, Equifax, and XXXX   and each of these companies told me because the account had been verified, that they can not remove the account.. and because it had been disputed in the past. I tried to explain the reason for that was because i hired a company ( XXXX XXXX ) to do credit repairs and was unaware that the account was fraudulent and the methods they used to dispute the account. i decided to to do my own credit examination and took a closer look at my credit report and came to the realization of the fraudulent account. and was still told nothing can be done. This account is not mine and was created fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
53 Bank went to auto debit my monthly payment on XX/XX/XXXX as usual. However they added lender forced insurance. The payment was denied because it was more than the normal principal and interest payment amount. I have had this mortgage for almost 7 years and have never been late once. Since XX/XX/XXXX, I have made numerous attempts to rectify this issue and make my normal principal and interest payment. I have had my insurance carrier reach out to 53 Bank and assure them that there has never been a gap in coverage. Numerous call have been made to 53 Bank, yet each department tells me I need to go to a different dept, such as collections. However Collections tells me that I am required to make a payment that includes this extra {$800.00} dollars. Which I am not comfortable doing, as 53 Bank has made an error and should have never places Lender Forced Insurance to begin with. 

I feel I am being taken advantage of and don't feel I should be in default on a mortgage, as I have made more than a reasonable numbers of attempts to pay my normal monthly mortgage principal and interest payment. 53 Bank 's internal loan servicing is the worst I have ever experienced as a borrower.

Bottom line, I want to make my payment. I should not be required to pay lender placed insurance, as there has never been a gap in coverage. 53 Bank is not working with me. And now I have late payments and could receive a ding on my credit report for the reporting bad info to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is Govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have right to privacy and I did not give Equifax written permission to furnish these accounts -XXXX XXXXXXXX XXXX XXXX Account NumerXXXX XXXX XXXX XXXX- Account XXXX XXXXXXXX XXXX XXXX XXXX Account Number-XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted several complaints via CFPB about XXXX, Transunion and XXXX. I don't understand why they make it so difficult to file disputes. I have requested they open disputes via mail and online, I have also submitted documentation for these disputes. I'm attached the identity theft report, the police report and documents proving my identify to make sure these disputes are processed.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am filing this dispute today as TransUnion has violated FCRA laws in regards to a collection account on my credit report. 


I first disputed this " XXXX '' collection account with TransUnion via mail on XX/XX/2023 ( attached and labelled as XXXX ) and on or before XX/XX/2023 TransUnion deleted the account ( see credit reports attached labelled XXXX & XXXX ) as seen in the reports attached, the account is no longer reporting on the report dated XX/XX/2023. 


Then sometime between XX/XX/2023 and XX/XX/2023 TransUnion placed the account back onto my consumer report ( see report attached labelled XXXX ) without giving any notice whatsoever, let alone the 5 days written notice as required by the FCRA. 


On XX/XX/2023 I sent TransUnion a letter bringing this violation to their attention via certified mail ( see attachment labeled XXXX  ), which they received on XX/XX/2023. 

TransUnion did not send me any response to this dispute/notice, only a credit report stating the account is verified as accurate, completely ignoring the fact that they illegally added back a deleted account from my report. 


I am requesting that this account be removed from my report immediately. 

If not, I am ready and prepared to take legal action against TranUnion for the violations they have committed and continue to commit. 


Sincerely, 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 2023-07-08
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my credit report I noticed a collection that did not belong to me. Requested verification by mail and it was never verified. The information was not accurate that was on my credit report. I have never lived at the address provided.

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 2022-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credit Card Bank of America last XXXX number is : XXXX Amount : {$1300.00} Bank of America required the complaint. 

I try before but I dont know whats happening? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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:
This is my other complaint that I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the three credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the following incorrect information on my credit report. 
XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-04-01
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian is reporting a late payment on an account after it was closed. This is inaccurate and need to be updated. I have disputed this several time and it has yet to be fixed.

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 2023-01-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXXXXXX XXXX BankruptcyXXXX XXXXXXXX BankruptcyXXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2023-05-28
Company: MOHELA
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: Account information incorrect

Complaint:
My loans have an error in them regarding payments on-time, I've emailed/disputed to the XXXX XXXX and I either get nothing or a VERY vague " itemized '' ( in the most barest of forms ) statement that does not answer my question or provide me with any information as to why the loan went into a derogatory status as it's representing a missed or failure of payment. 

The thing is, I haven't even had a chance to begin or startup a payment plan yet ..or to speak with a loan XXXX of any sort to start and figure this out. Therefore, how would I be late or missing a payment that was never scheduled let alone made in the first place? Either I need clarification on the issue or this error needs to be fixed asap because given the previous XXXX scenarios- regardless, it's ridiculous to put me on the back burner while my credit report/score burns in a hypothetical dumpster fire. I either need knowledge or a solution to this error, if you could help me out I'd greatly appreciate it. Thank you for your time and efforts!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against XXXX XXXXBalance : {$240.00}.

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 2023-05-28
Company: PNC Bank N.A.
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:
LISTED COMPANIES IN REPORT # XXXX, XXXX AND XXXX NEED TO BE APPRAISED OF THIS SITUATION OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: United Collection Bureau, Inc.
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I have a XXXX XXXX credit card and they charged me for something I never allowed and do not recognize. 
I mentioned it to them and they said that it was a mistake from them and they will fix it. 
I went to the XXXX XXXX store and spoke to a customer representative and they confirmed that the charge is wiped off. 
To my surprise, I received a debt collection notice with the UCB Reference Number XXXX XXXX 
I can share any documentation if needed to support my position since I have sent several emails to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/19, Collection was place on my trade line.. I called lender to inform them that I did not apply or in this apartment m.. I ask collection to provide me a written contract pretending to this debt.. There was no contract on file.. I informed collections that my identity was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Credit Plus Inc
State: CA
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:
Unknown inquiry on my credit reports from Credit Plus XXXX/XXXX/XXXX ... I have NOT authorized verbally, physically, or electronically any application, nor requested credit, or my credit be ran, nor any account by this organization! Also, do I know who they are! I also have a identity theft report filed with my local police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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