BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XX/XX/2019 XX/XX/2019 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Upon reviewing of my credit reports I have come across the account that you are negatively reporting on my credit report ( s ). Upon further investigation I have discovered that you are claiming to have charged-off this account. I am writing this correspondence to request my 1099-C that is associated with this charge off that is in their books. This has been owed to me because the debt that you charged off was more than {$600.00}.

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 2021-03-22
Company: National Credit Adjusters, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company started reporting this debt to my credit report without any prior communications. I was not given a chance to dispute the validity of the debt which is a violation of the FDCPA. They are also attempting to collect a debt for the wrong amount. This account was paid and closed with another creditor not them. The inaccurate reporting has led to adverse actions being taken against me. I was denied credit due to this company negligent and willful non-complaint reporting. Thats deceptive and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Some time in the beginning XXXX I sent all 3 bureaus letters of my grievences and disputes I had with how they were reporting my credit and still till this day I have not heard anything back from them. So I am hoping you can help me with this problem cause it really should be deleted because its been over 60days now. Please update me and let me know whats going on, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the fair credit reporting act, XXXX, equifax, and XXXX has violated my federal consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 USC 1681 section 602 A states I have a right to privacy. These addresses do not belong to me : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2020 my check was stolen for the amount of XXXX and cashed at Navy federal credit union in XXXX VA. It was made out to my Dental office XXXX XXXX XXXX but the check was double endorsed and cashed by someone named XXXX XXXX the money was withdrawn from my account on the XX/XX/XXXX I was made aware my dentist never received the check. I filed incident report with police department and filled out Forgery Affidavits with both my bank and Navy FCU, summited copies of my signature and XXXX  XXXX why havent my money been returned back to my account as yet?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: EQUIFAX, INC.
State: DE
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 debt has been settled, and eqifax has not updated their information. I was almost denied the credit for my new home. Also when trying to contact them the report from us never posted. I called byl the credit agency and they reported it to eqifax but they never updated our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a pay to delete letter to debt collector ( AFNI , INC ) and I have had no response from the debt collector. I proposed a payment of {$370.00} via certified funds if the debt collector agreed to my terms in the letter. There was no debt validation completed and sent to me by debt collector. My letter for pay to delete was sent via certified mail XX/XX/2023. I want this collection removed from my credit report ( from all 3 bureaus ) immediately due to negative impact. I have attached proof of letter sent and certified mail receipt if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: Experian Information Solutions Inc.
State: PA
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:
Account number XXXX I spend of 25 hours writing letters and dispute forms on line with XXXX regard the address on my account was incorrect until after my credit report was marked late 30 days past due. I have spend over 10 hours on phone calls with all their levels of management and customer services departments. one of their customer services rep with their ODOC code XXXX documented the account thoroughly with notes on my account date XX/XX/2018 after speaking with the financial institution 's back in executive team in witch has gone no wear. the representative made it clear that after further and detailed review she requested in her notes to remove the 30day mark from my credit report. The financial institution has no regard or department that handles credit reporting issues and should be looked into further. XXXX account number is 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 2023-05-03
Company: SYNCHRONY FINANCIAL
State: CO
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:
I became delinquent with a Care Credit/Synchrony Bank account in XXXX ; my last payment to them was XX/XX/XXXX. Care Credit cancelled the debt and issued a 1099-C on XX/XX/XXXX. The reason stated on Box 6 of the 1099-C is " G - Decision or policy to discontinue collection. '' However, they have continued to report this debt monthly to all three credit bureaus. Their reporting to the credit bureaus says I still owe a balance of {$3700.00}, the account status is Charged Off, and that I am 120+ days past due. I have disputed this multiple times with XXXX and XXXX, and they continue to " confirm '' that I still owe the debt. 

I contacted Care Credit/Synchrony Bank multiple times, but they failed to understand the problem. I even offered to pay the debt in full if they would stop reporting this debt to the credit bureaus, but they refused my payment because I do not owe them any money, and they mailed me a copy of the 1099-C they submitted in XXXX. 

One agent last week finally understood that it's impossible for me to be past due or hold a balance on a debt that no longer exists, and he stated he documented my account thoroughly and the situation should be resolved. 

Yesterday, however, they responded to my dispute with XXXX by saying that I still hold a balance on my account and that I am still past due. 

This debt has been cancelled. It no longer exists. The 1099-C was filed with the IRS and appears on my IRS Wage and Income Transcript from XXXX. They sent me another copy of the 1099-C last month. They know I no longer owe this debt, but they refuse to stop reporting the nonexistent debt to the credit bureaus. I don't know how to make them stop.

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 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This account was paid in full, and it is still showing a balance. I need this updated ASAP and an updated credit report should be sent to me reflecting this. I have included the confirmation number. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Santander Consumer USA Holdings Inc.
State: GA
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:
The vendor Santander Consumer USA is involved in litigation and the item being reported falls under litigation items with the company. I am requesting all reporting to stop and previously reported information to be removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: MD
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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, after sending out multiple letters to the credit reporting agencies Transunion, XXXX and XXXX have continued to violate my rights as a consumer and have failed to provide me with any valid documentation regarding negative inaccurate reporting and accounts they have been placing on my consumer report. 

A proper investigation has not been done after many attempts to remedy the situation and inaccurate reporting such as the date reported, last active dates, balance amounts and payment history continues to be reflected on my credit reports due to the CRA 's lack of professionalism and honesty in reporting. I have never been given any proof or valid documentation by the CRA 's to show that an actual investigation on my credit reports have been made, after consistently asking them trough writing for a proof of their claims. 

NOTHING WAS SENT TO ME! 

In accordance with the Fair Credit Reporting act acct # XXXX XXXX XXXX  XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX  XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX has violated my rights as a consumer. 15 USC 1681 section 602 A states that I have the right to privacy. Also 15 USC 1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions and consent. My rights are being violated and this needs to stop immediately!

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 2018-12-06
Company: EQUIFAX, 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:
There are 11 inquiries showing on my Equifax and 20 on XXXX  that I did not authorize. I am a victim of data breach, identity theft and have requested these inquiries be removed from Equifax/XXXX  and have had no success.Both Reports show 8 XXXX  accounts student loans that are discharged and very old accounts showing derogatory and 1 ACS XXXX   XXXX XXXX, the credit company just keeps updating the date so it remains on my credit repirt. Account for XXXX XXXX account Balance {$4500.00} showing negative and as Authorized user when I never signed any documents or aware of this account. XXXX XXXX as well is Fraud. I have requested over the phone removal of these items and they are very aware of my Police report as well as the discharge of my student loans. The loans are incorrect information showing. Please have them removed from both reports immediately as this is not the first time I have to go through CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello I have been contacting Coinbase day after day week after week and month after month trying to get my money that they froze for no reason and didnt give me a reason, my money has been in a XXXX and I have literally lost thousands upon thousands of dollars these last 2 months because of this company and they dont reply to my emails anymore, they dont help me and this has caused emotional distress and I cant handle this anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-17
Company: Experian Information Solutions 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:
The amount owed on this account does not belong on my credit report. I have ent three letters showing proof of incorrect address. Please remove 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 non-monetary relief
Consumer complaint received 2022-12-17
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:
The amount owed on this account does not belong on my credit report. I have ent three letters showing proof of incorrect address. Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX Account 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 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 2023-06-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX reviewing Identity analysis report I found the following information as to why my credit bureaus reports are all over the board. Under XXXX XXXX  web search XXXX XXXX, no knowledge of this person. States record created XX/XX/XXXX, with the date of birth of XX/XX/XXXX. It shows last XXXX social security number as XXXX, which is mine. From Texas zip code XXXX and last XXXX DL # XXXX. Says site ; XXXX, breach occurred in XXXX of XXXX. ID XXXX. Phone number XXXX, update, date XXXX @ XXXX. This is the proof I have been seeking for 2 months to figure out why my credit score keeps plummeting. This helps explain why so many duplicate inquiries. You can see from the searches that someone is trying to manipulate my credit report for their good. The only explanation as to why this name would appear anywhere in my credit report is FRAUD SUPPORTED BY XXXX, Equifax, XXXX AND FICO FOR THE BENEFIT OF INCREASING BIG BUSINESS INTERSTATE. There is no concern as to why a person out of the blue is shown up in my credit report information from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2018, I open a new checking account with JP Morgan Chase Bank. In addition, I received a coupon for {$200.00} bonus ( tracking # XXXX ) if I receive a direct deposit of XXXX or more from one of the following within 60 days : a. ) Employer. 
b. ) Government Benefits. 
c. ) or Government. 

However, in this case I received a direct deposit in the amount of {$860.00} from the government on XX/XX/2018. Unfortunately, they claimed I was not eligible when the coupon I applied for indicates that I was eligible. Therefore, I filed a claim with the escalations team and they told me that it has to be reoccurring when the instructions clearly states a one time direct deposit of XXXX or more. In addition, I recently filed another claim with the Executive Team on XX/XX/2018 and was told that I will receive a call within 2 business day.  However, no one reached out to me to try to resolve my concerns, especially after I reached out multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX account credit card I have requested for all late payments to be remove since XXXX of XXXX. 
i was hospitalized due to covid on the ventilator and wasnt able to work, I have over XXXX late payments reporting since XXXX of XXXX. I have file disputes sent in docs and still have been denied. I am requesting for this information to be removed off my credit files. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX payment XXXX $ monthly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: SC
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:
XXXX  KEEPS REPORTING UNLAWFUL INACCURATE PERSONAL INFORMATION. I HAVE ASKED SEVERAL OCCASIONS AND XXXX REFUSES TO REMOVE  THIS INACCURATE ADDRESS. I HAVE ASKED IN SEVERAL DOCUMENTED LETTERS AND ONLINE DISPUTES TO REMOVE THE ADDRESS OF XXXX XXXX XXXX, SC XXXX, AS IT DOES NOT BELONG TO ME. IT IS FRAUDULENT. MY ADDRESS IS XXXX XXXX XXXX XXXX  SC XXXX. AS TO BY LAW YOU DONT HAVE TO PROVIDE PERSONAL INFORMATION ON YOUR CREDIT PROFILE BC IT IS A VIOLATION OF CONSUMER RIGHTS.  I HAVE SENT PROOF AND EXPERIAN WILL NOT DO THEIR JOB AND REMOVE THIS ACCOUNT WHICH IS VIOLATION 42 USC SECTION 408 AND 18 USC 1028 A - AGGRAVATED IDENTITY THEFT.

Company response to consumer: Closed with explanation