BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 writing to express my deep concern and dissatisfaction regarding my ongoing attempts to rectify an inaccurate late open account that persists on my credit report. Despite repeated efforts to have this issue addressed, the incorrect information remains on my credit history, causing undue harm to my creditworthiness and financial standing. 
I have made multiple requests to have this issue resolved, yet the inaccurate information persists in XXXX and Transunion Credit Bureaus. I have enclosed copies of my previous dispute letters for your reference. 

I kindly request that you conduct a thorough investigation into this matter and take immediate action to correct my credit report by removing this inaccurate late open account. Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to accurate and up-to-date credit information, and the persistence of this inaccuracy is a violation of my rights. 

Enclosed with this letter, you will find the following documents : Copies of my previous dispute letters submitted to your bureau. 
Any supporting evidence that demonstrates the inaccuracy, such as bank statements, correspondence with the creditor, or any relevant documentation. 
I expect a written response from your bureau within 30 days of receiving this letter, in accordance with the FCRA. Your response should include the results of your investigation, the actions taken to rectify the inaccuracy, and a revised copy of my credit report reflecting these corrections. 

Additionally, please ensure that you inform the creditor associated with this inaccurate account about the dispute and provide them with the necessary documentation, as required by federal law. I am asking for your immediate assistance to correct this late open account in question : XXXX XXXX XXXX XXXX Balance : {$5900.00}.

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 2019-01-25
Company: Roycroft Management
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX is repeatedly calling my cellphone and the HR department of my employer attempting to collect a debt. Per my rights I requested they mail any information related to this to me so that I can review since they stated they had all my personal information. They refused to do so. They told the HR department that they are XXXX XXXX from XXXX XXXX XXXX   regarding a complaint against me # XXXX. After calling them back on XX/XX/XXXX to find out what they wanted they refused to send anything in writing and became aggressive and cussed at me saying not to call them back with this XXXX and that they no longer wanted to talk to me only to my supervisor. Transferred me to his manager XXXX XXXX. Ended up hanging up on me. I called back and told them not to call me or my employer again. Today is XX/XX/XXXX and I received two missed calls from them and they called the HR line again requesting to speak with my supervisor. I called the XXXX number back today XX/XX/XXXX around noon and ended up speaking to XXXX XXXX again and he insisted on me giving a statement of intent as he was investigating this for a client. I again asked to be mailed something regarding this issue and he refused saying he will not stop trying to reach my supervisor to talk some sense into me giving them some information since he had a papertrail of all of my private financial details. I mentioned to him that I dont know how he got any of my information since I dont know him or his company. He continued on about how this was a courtesy before taking next steps. Numbers contacted by them are ( XXXX ) XXXX and ( XXXX ) XXXX. I did an internet search on the internet and there are pages of accounts of the same type of scenario by many others posted on the web.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: SC
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 Equifax credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the XXXX XXXX XXXX XXXX XXXX XXXX and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. 

XXXX XX/XX/XXXXXX/XX/XXXXBalance : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: EQUIFAX, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a property that was quiet claim to me. Ocwen say it is in foreclosure stopping me from doing anything and tieing up my equity for investments in other real estate.

They also keep paying my taxes. I have sent them letter to stop this and to remove the lis pendis from my property. but they still pay my taxes and i keep sending letter for them to stop.

cfpb told me cit owns the supposed mortgage but i have not been able to get them to respond since 2016.

so i am trying this all again. 

Ocwen Account/Loan number XXXX Property : XXXX XXXX XXXX XXXX, XXXX, CT XXXX old owner : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have not received any debt validation notices or statements from the original creditor. 
I was never served by the court, or neither was i notified by the debt collector about them filing any lawsuit. 
I received a judgement from the court that I considered fraudulent based on the fact that I do not have knowledge of this debt. 

This collection agency is in the habit of obtaining judgments that is not valid and pretend to be the original creditors. 

I am asking that this collection agency remove said judgement from my record and vacate all judgment pertaining to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: NC
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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX Balance : {$880.00} XXXX XX/XX/2023.

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 2022-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im trying to buy a house, so of course I get a credit report. I have two delinquent accounts from capitol one on my report. I call one to dispute these accounts as I have never had a credit card with them. I give them all of my information, and they say they dont show record of either of the accounts with them. Yet it still shows on my credit report? They tell me I can report it as fraud but theres nothing they can do on their end since the account doesnt show with my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my billl in full XX/XX/22 for {$650.00} XX/XX/22 I get a new bill charging me {$5.00} calling it interest. On XX/XX/22 I called XXXX regarding service fee after bill was paid in full. He told me they would remove the fee. 
On XX/XX/22 I get a new bill charging me {$5.00} fee bringing total to {$11.00}. I called XXXX. Man told me that they refused to waive the fee as it was interest. 

So I am charged interest 2 times on a paid in full bill. 

I want this {$11.00} removed and cancel my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-17
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On approximately XXXX the XXXX My account on Coinbase was attacked. Coinbase 's security was flawed where there was no measures to secure and make sure that I was the one withdrawing funds from my account. I had measures set up for security but still bitcoin was stolen from my account. I have tried to make contact from this company and financial institution from XX/XX/XXXX to present day.. As of XX/XX/XXXX they have updated their service terms. I can not get in contact with anyone. and their phone system has no live agents or any support whatsoever. during this attack on my account I tried to call them and prevent the transfer from going through and stop before the transaction was veririfed through blockchain. They failed at every turn to protect my property and blamed me, days after their ticket system sent a generic reply. It was stolen directly from coinbase pro coinbase 's exchange where you trade crypto. not from my coinbase account. there were no security measures to ensure safety and when i called them the only message received was if you think your account has been compromised hit this number. I did and in turn my account locked me out of it but allowed someone to steal funds. in an email transaction they said it was my fault and didn't care to fix the problem and said it was minutes before i locked my account. this is total bs. it's been over 60 days they have not tried to resolve the issue and closed ticket and blocked email communication from their servers so when i send an email it is blocked. Also the first coinbase wallet i opened no longer has access and i can not retrieve a password this service financial institution is not protected in any way and I demand i receive my funds back immediately. They also use deception and go offline during major market movements and deceive the public so the market price is not the same in their trading. as i have provided images to prove that statement. I have had a lot of grief due to coinbase and I want my funds immediately as at the time of theft it has increased in value as well, and I have needs to be met immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: NC
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. DPT EDXXXX XXXX Balance Owed : {$1400.00} ; DPT EDXXXX XXXX Balance Owed : {$920.00} ; DPT EDXXXX XXXX Balance Owed : {$4200.00} ; DPT EDXXXX XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$19000.00}.

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 explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have filed XXXX bankruptcy cases in the last 7 years. In the first XXXX, my XXXX XXXX mortgage was included. That one was dismissed. In the second one, my XXXX XXXX mortgage was NOT included and the court has allowed me to pay the mortgage OUTSIDE of the bankruptcy. 

I have made MULTIPLE requests for XXXX XXXX to continue CORRECTLY reporting my monthly payments. For XXXX YEARS, they kept reporting inaccurate information and had made credit report look like I was up to XXXX years behind on payment. THIS TANKED MY XXXX XXXX!!! 

I have made several complaints to the CRAs and they have had me to send in my current bills to show that I was indeed current. So, the CRAs removed the inaccurate reporting. But, XXXX XXXX is REFUSING to correctly report my current mortgage payments. 

Right now, they are the ONLY company that is NOT reporting accurately, and they are not even part of the bankruptcy!!!

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, you have a responsibility to promptly delete any information which is inaccurate or incomplete from my credit report so it doesn't get reported. I understand that this is your responsibility under the FCRA, and even if an account has only been speculated upon or never confirmed in any way, the burden falls on you to provide evidence of its veracity before it can be placed on my credit report. The information in my credit report is wrong! It was never proven to be factual, so now I have decided that enough 's enough and will exercise my consumer rights. The following account allegations are either untrue, unverified and incorrect. Please remove them immediately or I will have no choice but to take legal action 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 non-monetary relief
Consumer complaint received 2022-03-12
Company: EQUIFAX, INC.
State: TX
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:
This is a formal complaint against Equifax Information Services LLC located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, Equifax Information Services LLC has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation