BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On several occasions I tried challenging some inaccuracies that has been reported on all three of my reports. XXXX, XXXX and Transunion hasnt removed any inaccuracies from my report even when proof was provided on my end. 

For instance, I have a bankruptcy being reported. Ive reached out via mail several times to the court that has reported the public record asking them to verify theyve mailed me back correspondence adding they were unable to verify the bankruptcy. Ive mailed a copy to each bureau and nothing has changed.

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 2022-12-14
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I invested {$5.00} XXXX in XXXX. I lost some money but I still had some cash ( {$500.00} ) and two XXXX coins in my XXXX as of XXXX XXXX. I checked my account in late XXXX and I saw that there was XXXX money and assets in my account. I complained and the Coin Base made me go through many questions to identify me after a few days, they recovered my account. I wanted to withdraw everything so I first sold my coins. The website would not allow me to withdraw immediately. I had to wait so I waited two days then went in to ask for a withdrawal and there was no money in the account again. I complained again, but this time they would not help me and said I should report it to the law agencies.! They, Coin base has to be on this scam. I WAS NOT HACKED, they stole my money.!! I need to get a report number so I can claim this loss in my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: HUNTINGTON NATIONAL BANK, THE
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an online checking and savings account with Huntington National Bank in XX/XX/2019. I made deposits, ordered checks, transferred money to relatives, submitted changes to my social security deposit, and took steps to close my account at my current bank.

2 weeks ago, I tried to make a mobile deposit, and a message said I did not have any accounts set up for that. I had done this in the past so I called to find out what was wrong. 
I was connected to someone that told me my account was slated to be closed. I asked why, and was told that several years ago I had an account with them that had been closed for overdrafts. I told her I knew of that account, and that at the time that happened I had suffered major loss from fraud ( someone was using my ss number, and had gotten hold of all of my banking information ), and that I had had health problems, XXXX, etc, and when I contacted Huntington later and asked who to make payments to  so it could be resolved I was told I could not do that. 
The fact that they allowed me to open my account the last time and I had used that account meant to me that the former issue had been resolved.

I had ONE check left to come through. But instead of paying that  check with my funds they returned that check and now I have additional fees to pay because of that. 
I believe Huntington should be responsible for those fees, as they have not returned the money that was in my accounts that they closed with no notice to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
15 U.S. Code 1681e - Compliance procedures ( ACCURACY OF REPORT ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. produce all documentation everything associated with account Produce original contract and auction receipt payment insurance loan insurance XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
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: Account information incorrect

Complaint:
See attached for full details on what I have sent to Equifax recently. Each letter is dealing with a different issue that is incorrect on my consumer credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX submitting this CFPB complaint. By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX Balance Owed : {$4400.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A debt collection agency. MERCANTILE ADJUSTMENT BUREAU, has placed a collection on my credit report in the amount of {XXXX}, to be reporting until XXXX, last updated XX/XX/XXXX. According to the WV state tax department, as of XXXX/XXXX/XXXX they are NO LONGER LICENSED to collect debt in my state. When called on, they sell debt to a sister company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: PNC Bank N.A.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This complaint is in reference to a charge-off account # XXXX with PNC Bank.I am currently on XXXX XXXX and have been since XXXX XXXX relative whom I put in charge to handle my affairs was denied twice in a PNC branch when she attempted to pay on my auto loan.She was told that " non account holders are unable to pay/deposit cash on anyone 's account '' .I reached out to PNC Bank several times about the issue with no response.I also requested my account be placed on " military hold '' .Subsequently PNC Bank reported my account as a charge-off to all 3 credit bureaus XXXX, XXXX, AND XXXX spoke with PNC Bank service members escalation group case manager.I submitted my military orders and was told it would be taken care of.I requested for the charge-off to be reversed and my original loan terms reinstated.I also submitted a 109XXXX C cancellation of debt as PNC Bank has received a tax benefit for said debt, but failed to send me a 1099-C which is required by law.I have also disputed this with XXXX, XXXX AND XXXX. Instead of PNC correcting the account or removing it, PNC Bank updated the balance amount with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions 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:
There was a misfiling with a XXXX 2023 report of my student loan account with XXXX XXXX University. I have already filed against them for never notifying me of when initial payments began and it was removed from my report but Experian put the 30 days due report back on for no reason! Needless to say I am extremely agitated as that account has always been current to my knowledge and I want it removed from my report just like how it was from XXXX 2023 to XXXX XXXX  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 2022-11-15
Company: HW Holding, 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: Account information incorrect

Complaint:
I have contacted Hunter Warfield by email and telephone to resolve this issue. I have provided documents of the court case from the locality 's landlord tenant court and this item still remains on my report. I do not owe this company nor XXXX XXXX, the company they claim to represent. I'm now in the process of obtaining a mortgage ( 4 years later and they're still reporting this incorrect information after I've contacted them informing them that it was incorrect ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have requested to XXXX to validate and verify the negative account they are reporting on my personal credit profile, including providing an acknowledged agreement and transaction history of how that balance was calculated. They have refused to provide this or any copies of documentation verifying this account, yet they have been willing to put this unverifiable debt 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 2019-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have faxed and mailed these same disputes to transunion many times and they refuse to respond or to do an investigation on the items.

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 2022-11-15
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX : XXXX am speaking for myself in this claim. LVNV FUNDING is illegally reporting on my account. Cease and Desist all forms of communication. You lack my permission to communicate on any debt pursuant to 15 usc 1692c ( a ). Negative reporting is defamation of character. according to 15 usc 1692k ( a ) ( 1 ) I have the right to collect ACTUAL DAMAGES. This negative reporting on my credit report has cost me securing a new car. LVNV FUNDING is extorting me by reporting on my credit for this alleged debt. Cease and desist communication. You will receive a letter in writing via certified mail. To avoid any statements about this not pertaining to LVNV FUNDING for whatever the reason, I have included, for your convenience the laws stated. I am entitled to remedy as a federally protected consumer and simply request you remove your reporting as I will fully exercise my rights and seek remedy in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: AMERICAN HONDA FINANCE CORP
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
American Honda Finance Continues to Furnish information on credit profile. I requested multiple times validation of signature and contest to contract. Company failed to comply on a number of occasions. This is supposedly a joint account with no consist payment history on credit profile. I'm told the original owner is incardinated and don't access to vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Convergent Resources, Inc.
State: CA
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:
Convergenr outsourcing is reporting a collection account for sprint that was opened in 2019 this account is not mine and I have disputed and requested verification that it belongs to me. They do not verify and continue to report and change information. I had disputed with XXXX and they had deleted it and then convergent outsourcing reported again as past due. They have not sent any bill and continue to not verify this debt. XXXX also does not investigate and validates the debt in less than a day. Indicating absolutely no investigation.

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 2022-11-15
Company: Specialized Loan Servicing Holdings LLC
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureau is required to authenticate this account under Sections 609  ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1   ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609  ( a ) ( 1  ) ( A ) and 611 ( a ) ( 1  ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15  U.S.C. 1681g  ] ( ( a ) Information on file ; sources ; report recipients. XXXX  shall, upon request, and subject to 610 ( a ) ( 1  ) [ 1681h  ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5  digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611  ( a ) ( 1  ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, please investigate the unverifiable item/accounts/information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 XXXX : {$0.00}

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 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$4800.00} ; XXXX XX/XX/2021 XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$2400.00}

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