BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-08
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX at around XXXX XXXX I was victim of internet crime. I was trying to make a transaction of money from my XXXX account into my Coinbase account. 
I was trying to convert Tron in lite-coins in my XXXX, in order to send to my Coinbase account and I couldn't, and so I decided to call to XXXX Customer Support number I found on XXXX. I called and immediately someone answered by the name : '' XXXX ''. He said he would help me resolve the issue and instructed me to give him access to my XXXX account. Then he said there was something wrong with my Coinbase account and that this was the reason for why i was not able to do the transaction. He then asked me to give him access to my Coinbase account. Within a minute, I had no balance on my Coinbase Account, where I previously had 2 bitcoins and 8 lite-coins for an amount of {$22.00}. I asked him why my balance was at XXXX and he said that I would have to wait a couple of minutes an the hung up. In my desperation, I called again and no one picked me up. I searched for other number to call and they did not pick up either. I finally received a call back from one of the numbers I had previously called. I spoke to " XXXX XXXX '', and he told me I was hacked, and that in order to retrieve this money I would need to send him {$1000.00} in Gift Cards. I did not believe this and hug up. I have contacted to coinbase immediately explaining and they told me to file this report at that time. 
The numbers that I called were supposed the Customer Service Support of XXXX are : XXXX - this is the initial number I called, where I talked to XXXX. 
XXXX - Extension XXXX this is the number that called be back and asked me for XXXX $ in Gift Card, XXXX XXXX ... and few days after still was calling me at home. 
XXXX ; XXXX ; XXXX ; and XXXX, these number are still on XXXX as a XXXX Customer Services, and timing every day. They do not only stool my 2 bitcoin and 8 litecoins from Coinbase, they also stool my IOTAS and TRON from my XXXX Account ( around {$3.00} ) I am so desperate. 

In other hand I had Money in transit from my bank account to Coinbase at that time for XXXX $ us that is why this hackers did not took that amount too. Coinbase sent me a confirmation of that amount arrived on my account on XX/XX/XXXX, but I couldn't see even that statement, because since Coinbase knew about this problem and received this complaint, they blocked my account I understood that, but since that time, I have been calling every day ... but nobody tell me what is going on, I dont't know nothing about the amount of XXXX $ and even they told me that the other amount of XXXX $ is on my account, I never have access to my account, they said that they will communicate with me, but it is almost one month, and I don't have any news from y money or my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I disputed this account on XX/XX/XXXX the account has late payment on a collection account. The account date last active has been illegally reaged to XXXX even though the initial charge off was in XXXX. The account has been paid and was agreed to be removed by the creditor. I disputed this account and the creditor responded and said this account meets FCRA requirements even though theres multiple violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04
Company: AMERICAN EXPRESS COMPANY
State: NC
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 was told by amx that I called in XX/XX/XXXX I called to say I lost my gold card.i did not make this call and a card was sent out. I stopped using my gold gard XX/XX/XXXX. I didn't find out about this card until XXXX. I filed for XXXX  in XX/XX/XXXX and I never got the bill because I'm sure it went to the address they mailed it to. I was trying to pay the bill inXXXX when I was sent the statement that's when I found out about the account. They have taken all the charges off my account but I paid on that card because I didn't know I was paying on that card. At that time they didn't name the card they just gave the number they don't do that any more but that's how I paid on a card without knowing. I have sent them copies of there statements to prove the payments that I made and I have been waiting since XX/XX/XXXX to get my money back. One day they don't know what I'm talking about and start over. Another day they need more information. Or the back off is still working on it and have not updated them. It has been almost two years. And nothing. In XXXX I was given a name and was told he had the account since XXXX. XXXX I was told in 30 days it should be handled. Here we are in XXXX and nothing. I had a lawyer send a demand letter in XXXX and they had 10 days to respond and nothing. The lawyer told me to come to you for help because it's not enough money to pay a lawyer. It is close to {$2000.00} or more I need my money. This is there mistake and they need to fix this. I got a letter years back telling me they changed my address I called to say I never changed my address that should have been a red flag to them if I'm saying I never changed my address and the was changed. Please help me get my money back soon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-15
Company: LEXISNEXIS
State: IL
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:
Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations that I the consumer may have given you, written, unwritten, verbal and nonverbal per 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: LA
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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.

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 2023-10-17
Company: EQUIFAX, INC.
State: TX
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:
I want to inform the 3 Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion continues to allow inaccurate information to remain on my credit profile from the data furnisher. Transunion reports this account as a closed charge-off while XXXX reports the information correctly as Paid in Full. Furthermore, if the account was indeed a closed charge/collection as they report, a balance of XXXX should not be listed, this affects my debt-to income ratio. Even the XXXX XXXX reports a history of all on time payments. Account has been re-aged from XX/XX/XXXX to XX/XX/XXXX without cause. This has restarted the statute of limitations. Date of Last payment reported on Transunion and XXXX also differs by 7 months. Transunion is not allowing me to dispute this inaccurate information due to an existing dispute. It is my right to challenge anything on my report that is not 100 % accurate and consistent. Transunion needs to remove this inaccurate reporting from my credit profile immediately. Finance agencies have viewed my Transunion profile and denied me new credit because of this.

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 2018-04-10
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: Their investigation did not fix an error on your report

Complaint:
XXXX Credit Card provoked a dispute with me in late XX/XX/XXXX. I discovered that even though it resolved in my favor, they continued to mar all three of my credit reports with a statement about it. I asked XXXX to stop reporting it via a phone call in XX/XX/XXXX. They did not. I have detailed what happened under the complaints XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX - Equifax, XXXX XXXX - XXXX, and XXXX XXXX - XXXX. I am complaining again because I was not satisfied with any of the responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Amsher Collection Services, 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:
I was informed on XXXX XXXX that I owed a debt to XXXX never did business with XXXX No understanding of what I had to pay for because its not me I would assume that if I had a debt somebody would call me on the phone or write me a letter which none was just that showed up on my credit report trying to Collect a debt on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It Also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Continental Finance Company, LLC
State: NM
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:
I received a credit alert from XXXX that XXXX XXXX on XX/XX/21 @ XXXX XXXX  mst they pulled my credit without authorization. The number provided no one answers to resolve.

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 2023-10-17
Company: EQUIFAX, INC.
State: MD
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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX  Balance : {$760.00} XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions 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:
THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

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 2018-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
CFPB, TransUnion is in direct violation of my rights under the FCRA. I recently informed TransUnion on XX/XX/2018 of an account that is being reported by a company that did not prove legal ownership of the account that is said to be owed to them ( attachment A ). XXXX XXXX XXXX is reporting account number XXXX as an unpaid collection. I do not owe this company anything! TransUnion states that they have verified the account belongs to me ( attachment B ), but did not verify that the reporting agency legally owns the account that they are reporting. TransUnion has not provided me with ANY supporting documentation such as a purchase agreement or bill of sale for this account that would assure me that this account is now owned by them. TransUnion never provided me with an original contract bearing my signature either. TransUnion can not place the burden of proving accuracy on the reporting agency as it is their job to investigate my dispute and obtain appropriate documentation to prove the debt is valid and is rightfully owned by the reporting agency. TransUnion suggests to reach out to the reporting agency when it is their job to prove accurate furnishing of my file. This account is not owned by this company as they have not proven legal ownership, therefore, I owe them nothing and they can not report anything 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 explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: NY
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'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXXXXXX 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
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, they have 5 inaccurate late payments reported, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 the information is inaccurate. Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-09-08
Company: Experian Information Solutions 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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from 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 explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I contacted XXXX reporting agency in XXXX about item # XXXX US bankruptcy that is reporting on credit report .So I contacted the bankruptcy court in XXXX and they sent a letter saying that donot report to the credit agencies.so I sent them a letter with the inclosed statement with the court responses and on XX/XX/XXXX I received a letter from Transunion saying they verified the item with us bankruptcy court in XXXX as accurate.which I know as to be false .This item is a clear reporter error.

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 2023-06-05
Company: Experian Information Solutions Inc.
State: MO
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 writing to bring to your attention that the XXXX account opened on XX/XX/2021, which reflects {$1600.00}, is fraudulent and negatively impacting my credit report. Despite my previous attempts to dispute and resolve this matter by calling, no action has been taken. Upon discovering the fraudulent activity, I took immediate steps and reported my stolen identity, placing a fraud alert on my account on XX/XX/2021. 

The negative reporting of this account is causing significant hindrance for me and my child in securing an apartment, and we are now facing the possibility of homelessness. Adding to my distress, I am currently XXXX XXXX XXXX. In light of the circumstances, I urgently request that this negative account be removed from my credit report without delay.

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