BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: TX
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:
Between the dates of XX/XX/2023 - XX/XX/2023, EQUIFAX shared my personal information, name, address, date of birth, credit score, and transaction history, approximately 121 times without my consent. I spoke to an agent who suggested I needed write a letter. I sent a letter in which I have not received a response. This action has caused much damage. 

Between the dates of XX/XX/2023 - XX/XX/2023, XXXX shared my personal information, name, address, date of birth, credit score, and transaction history, approximately 31 times without my consent. I spoke to an agent who suggested I needed write a letter. I sent a letter in which I have not received a response. This action has caused much damage. 

Between the dates of XX/XX/2023 - XX/XX/2023, XXXX shared my personal information, name, address, date of birth, credit score, and transaction history, approximately 121 times without my consent. I spoke to an agent who suggested I needed write a letter. I sent a letter in which I have not received a response. This action has caused much damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX Trans Union I have contacted the credit bureaus several times to make them aware that the one late payment posted on my credit reports is incorrect. Ive contacted the merchant of the credit card company ( XXXX XXXX ) who agreed that it shouldve not been reported as a late payment by bureaus and I asked it to be removed effective immediately as its incorrect and untrue false reporting by breaus.

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 2022-05-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give 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 removed immediately or I will file for litigation due to the stress you caused in my life.

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 2023-06-22
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: Investigation took more than 30 days

Complaint:
I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 
You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian & XXXX ) and update the account to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

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 2023-03-22
Company: Debt Recovery Solutions, LLC
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I receive a letter from Debt Recovery collecting checks from a fraudulent checking account that was open. 
I wrote to them and sent them aj complaint that I made with Federal Trade Commission Identity Theft. gov. There reply was the following that the debt was validated by their client and If they did not heard from me in 30 days they will continue with the collection. 
This debt is not mine, I have told them that is is a fraudulent and they continue the harassment by mail and also by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give 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 removed immediately or I will file for litigation due to the stress you caused in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions 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:
This payments was made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains 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 100 % true, accurate & correctXXXX XXXX XXXX XXXX XXXX XXXX was reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX {$540.00} XX/XX/XXXX XXXX XXXX  XXXX {$620.00} XX/XX/XXXX XXXX XXXX  XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$900.00} XX/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 non-monetary relief
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: AL
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:
I found out I was a victim of the Equifax data breach so I sent letters to the bureaus last summer asking them to remove all of the inaccurate accounts off my credit report. Fast forward months later and nothing was done so I sent another letter certified mail to them but still no response. Now I'm asking you all to do whatever you have to do to force them to remove all of these inaccurate accounts. I sent the last letter in XXXX so it's been well over 30 days and I feel like they're taking advantage of me. Maybe you all can fine them or something and force them to remove these items because it's ridiculous for them to keep reporting information that I've already told them is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Coinbase, Inc.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Coinbase has failed to report over 1.5 years worth of interest earned. 

XX/XX/2023 : Coinbase told me they were looking into the fact that the interest I was supposed to earn wasn't showing up in my account. 

I have emailed them several times since then and have recieved nothing but emails saying they have " escalated '' the matter. I have heard NOTHING from them since XX/XX/XXXX ( almost four weeks ago ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 complaint is to address an issue with transunion. I submited a dispute on XX/XX/2021. Transunion completed the dispute on XX/XX/2021. The dispute was that the creditor did not want payment from me to close the account. This results in an indication that I do not have ownership of this account. I have contacted all parties involved and nothing has been resolved.

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: REGIONS FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
Started the loan process on XX/XX/XXXX had an appraisal done on our home. Appraisal was not done properly and home was undervalued by {$80000.00}. Put in a dispute with the underwriters, took them so long to respond we had to do a second credit app  on XX/XX/XXXX. Another appraisal was done house appraised for fair value {$80000.00} more then first appraisal. We started moving forward, all paperwork had been sent multiple times but they said pay stubs weren't valid according to underwriters. I've been employed with he same company for 5 years and the company has been in business for over 40 years with over XXXX employees, I bought the house under the same employer and loan was finished in 2 months. The loan timed out a second time because of communications from our loan XXXX and underwriters. I have over XXXX calls to the loan officer throughout this process and over XXXX emails. It took the loan officer over 2 days to return calls and she never knew what was going on with the loan always had to call back. Now we are fighting to get the credit apps off of our names due to it being the banks fault.

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 2023-09-19
Company: Carmen V. Porreca, P.C.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Collection company is trying to garnish my pay for a debt I owed XXXX XXXX from 2016. XXXX wrote this debt off and Collection Attorney, XXXX XXXX is trying to garnish me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX in the amount of {$680.00} XXXX XXXX XXXX, are the result of identity theft, and They are not belonging to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: Central Portfolio Control Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2023 Central Portfolio Control located XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX started reporting on my consumer reports of an illegitimate account from XXXX XXXX XXXX located XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX in the amount of {$1300.00} I didn't even know this existed as I was personally never notified by either party, there are no dates or contact numbers on my consumer reports and this is clearly not my debt. I applied for a mortgage in XX/XX/2023 and was told this was on my consumer reports. For the past 4 months numerous attempts have been made to get this illegitimate charge removed to no avail. Central Portfolio Control is reporting false and damaging and simply misleading information that is causing me a monetary hardship. Their predatorial methods should be against the law. I am asking for help from the CFPB in getting this company to remove this erroneous account off my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Diversified Adjustment Service, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
1006.34 Notice for validation. This debt was put on my credit report without notice i am requesting that the debt be validated and would like to request a itemized bill with all dates and amounts due

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Ive been banking with Chase for many years, on the XXXX of XXXX they decided to freeze my account. Keeping me from depositing or withdrawing money which is an essential part of my life. My direct deposit and all my saving account are at this particular bank. They stopped and reversed all of my payments made to other institutions. I visited a branch and was told that I was not allowed to do changes including closing my account. They froze and closed my credit cards as well. Left me with no money having to open new credit lines and loans to get by. I have incurred late charges and my credit score will impacted from this as well. Chase refused to give me an explanation other than they have to power to close accounts to their discretion. All that I want is the money which I have worked for many years to save

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Jon Barry and Associates, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
1006.34 Notice for validation. This debt was put on my credit report without notice and I want to validate that the debt with a itemized bill to confirm amouts owed. I have no record of receiving any information regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: FL
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:
From XXXX until XX/XX/XXXX XXXX has been reporting on my credit report that ALL INFORMATION was accurate when and verified accurate. I have been disputing this information for 4 year about the inaccurate findings on my report. Yet every dispute was returned as verified and accurate. 
Today my credit report was updated by XXXX and shown since XXXX they have been falsely reporting inaccurate information which created a negative report on my credit report and hinderedy ability to obtain credit from other sources. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
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:
Transunion has a XXXX XXXX account on my reports from XX/XX/2013. This account does not belong to me. Transunion is the only credit bureau report this inaccurate account on my report that is hurting my credit score drastically.

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 2023-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Opened account with Bank of America in early 2022. Did so online. On XX/XX/22 I transferred XXXX dollars into the account. On XX/XX/XXXX I transferred {$240.00} into the account. And finally on XX/XX/XXXX I transferred {$220.00} into the account for a total of {$660.00}. With the addition of my initial deposit of {$1200.00} the account had an amount of {$1600.00}. 3 days after the final deposit of {$660.00} my account was closed. I did not receive any paperwork until after the account was closed. No one called No One reached out to me in any way to inform me about any issues with my account. I have scheduled several appointments and had several sit-downs with different members of this Bank of America . During my initial visit I was told my account was closed due to a potential fraud case as they had found a Utah address under my name. I informed them that I had just moved in from Utah and when I had set up my account I had used a Utah driver 's license. I was told me to call XXXX and that they would be able to assist me. When I call that number they told me that the Bank of America held my account would need to be the ones to pay out the funds and that I would need to be in contact with them. When I reached back out to Bank of America I was given a different number to call that number being XXXX. This number also referred me back to my Bank of America. It is now coming up on one year on waiting to be refunded so far I have been refunded my initial deposit of {$1000.00} but, have yet to receive the other XXXX dollars.

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 2019-06-20
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
AMEX CORPORATION CONTINUES TO REPORT A BUSINESS CARD OPEN AND USED BY A CORPORATION AS MINE. DESPITE NUMEROUS LETTERS AND CALLS THEY CONTINUE WITH NO PROOF TO CLAIM AND REPORT IT AS MYCARD. 

AMEX CLAIMS CHARGES, PAYMENTS, CREDITS WERE BY ME. 

DEBT COLLECTORS REFUSED TO PURSUE ACCOUNT AFTER SPEAKING WITH ME AND REALIZING AMEX HAS LIED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22
Company: California Business Bureau, Inc.
State: GU
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Several times a month, they reported to XXXX that I did not pay this debt. They are ruining my credit score, and I never received a bill or an attempt to collect a debt. I think it is fraudulent. 
SEE BELOW the report to XXXX  : CALIFORNIA BUSINESS BU has flagged your account as Collections. 

Potentially Negative Alerts notify you when one of your accounts has reported information that may negatively impact your credit score. 

Alert Date XX/XX/XXXX Source XXXX Company CALIFORNIA BUSINESS BU Payment Status Collections Status Date XX/XX/XXXX Balance {$390.00} Balance Date N/A Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation