BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-25
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am exhausted with the difficulty in which having erroneous information deleted form my account has been. My wife and I are purchasing a home and this incorrect information remains on my Experian credit report. XXXX blames Experian and Experian blames XXXX. The erroneous account has been deleted from my XXXX and XXXX report but remains on my Experian report. I have a latter from XXXX ( attached ) requesting the deletion from my credit report. 

I have made online requests, written requests and requests by certified mail. 

The item listed by XXXX XXXX is inaccurate because this is not my XXXX account. My identity was compromised and the account was opened, without my knowledge or permission. The account was used to purchase and to use a phone that the identity thief had shipped and billed to his address. This address had been listed on my credit report as mine until it was recently removed. As soon as I was made aware of the situation by XXXX, I paid the account because XXXX indicated this was the fastest course of action. 

I have attempted work with XXXX XXXX to resolve this situation and I have paid the account to resolve it as well. This has become an impossible situation to resolve with XXXX or with Experian. Here is a summary of the facts : -The XXXX XXXX account listed IS NOT MINE. 
-I have exhausted everything I can do with XXXX XXXX to resolve this including : +I have disputed this with XXXX and Experian in writing and they have verified in writing that this should be disputed. ( See attached ) +Experian has made multiple attempts to verify with XXXX with no success to verify the letter. 
+I have made multiple calls to XXXX Executive offices and they will no longer assist or verify. 
-There is a letter attached requesting the information be deleted and yet the information remains. Experian has called XXXX multiple times to verify the letter and they can not get anyone to help them including the Executive Office and Account Recovery. 

I need some additional help in order to get this deleted from my Experian 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 2023-08-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
To my surprise, I found that I have been charged {$20.00} per month since XX/XX/2018 for an Experian account that I was entirely unaware of. I was shocked to learn about this situation as I have never knowingly signed up for any Experian services. 

For my credit monitoring needs, I have been using MyFico for quite some time, which has provided me with reliable and comprehensive credit monitoring services. I have consistently relied on MyFico to keep track of my credit score and related activities, and I have never sought nor used any services from Experian or any other credit monitoring provider. 

It appears that I have been mistakenly enrolled in an Experian account without my knowledge or consent, leading to these unauthorized charges on my credit card statement. This situation has understandably caused me great concern and frustration, especially considering the length of time these charges have been occurring without my awareness.

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 monetary relief
Consumer complaint received 2023-07-02
Company: Experian Information Solutions 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:
accounts belong to someone else.

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 2021-08-20
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2021 I left XXXX  for another carrier. On @ XXXX XXXX I get a call saying phone not the turned in. I tell the lady on the phone no return kit was sent.. XXXX wont accept it ... XXXX corporate locator store online they tell uto take it to is XXXX XXXX. what is a consumer supposed to do? now they send me a bill saying I owe {$440.00} dollars. XXXX has sent it to convergent XXXX with no warning or way to resolve issue. This isnt business or fair. Its corporate extoration Also showing no proof of the amount " owed ''.

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 2023-07-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX 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 2023-07-02
Company: Experian Information Solutions 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:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15USC 1681 section 602 A. States I have the right to privacy. 15USC 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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Company has not responded and removed inaccurate information pertaining to inquiries, charge-offs etc.

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 2019-04-24
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX  and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2, 3, 9 and 10 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2021-11-11
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
In late XXXX I was unable to start my Coinbase app. At the time the issue was communicated to be a technical one on Coinbase 's side, and I was advised to " try again later. '' After days of trying I turned to log in to Coinbase via my web browser, but was prompted to re-verify my identity by posting my Driver 's License ( again ) and submitting a photo of myself. After that I eventually received a notification that my account was disabled, and I can no longer log into my account via a web browser. 

I am somehow still logged into my Coinbase app, which now " works, '' however I am no longer able to purchase anything and fear that as soon as something could happen to my phone/app, I will be logged out of my account forever and lose all of the funds I have invested through Coinbase. 

I have gone through numerous avenues to speak to Coinbase customer service to resolve or gain an understanding of the situation, and thus ensure my financial information hasn't fallen into the wrong hands, but each occasion resulted with me being told, " After a review of your account, weve determined we are unable to restore these restricted capabilities back to your account. Coinbase is unable to provide you any further information on the reasons for your account restriction. '' While they have informed me that I can still trade, sell, and cash out, I am still deeply concerned that I can NOT log into Coinbase any longer. I feel like my financial information has been taken hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I got an Apple Credit Card and an Apple Savings Account on XX/XX/XXXX. Over the next few days I transferred my savings from my XXXX XXXX to the Apple Savings account and started using the new Apple Card for some minor purchases together with a larger purchase of flights to XXXX for myself and my family. 

On XX/XX/XXXX I was notified that my Apple Credit Card had been locked pending investigations. Shortly after my Apple Savings Account was also locked. I try reaching out to the Apple ( XXXX XXXX ) support to find out why my accounts have been locked and try to find ways to accelerate getting them unlocked. They are unwilling to tell me why this is happening and say that it will take 1-3 business days to get it resolved. All I should do is to be ready for them to call me. I ask if we can schedule a time to talk or for me to go to a physical office to resolve the issue. The are unable to accommodate any of that. I also get the impression that if I'm unable to answer the phone when they call this may get extended further. 

On XX/XX/XXXX ( day XXXX ) I reach out again. At this point they go on to tell me that the standard handling time is 5-7 business days and that I need to continue waiting for them to get in touch.

This handling is simply unacceptable to me. Their locking down me economically and keeping me completely in the dark doesn't instill a sense of confidence in their institution. Just imagine this happening when you are out traveling or if this was your only card and you had a family to feed and take care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 explanation
Consumer complaint received 2023-12-30
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX needs to be removed and deleted from my credit report due to the Statue of Limitations it has been XXXX years and XXXX months I have spoken to the company and they repeatedly re-age but never delete please delete and remove immediately 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 2023-07-03
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday XX/XX/2023, as I was at work in XXXX GA, I received a text message from who I thought was my bank 's ( Chime ) fraud department alerting me someone was trying to use my card out of state. The message asked to verify if I had authorized those transactions, and I replied no. This message was identical to text messages I have received from my bank. However, I have never had to respond in the negative. So I received a phone call from someone claiming to be from Chime 's fraud department taking me through the steps to freeze my account and get new cards since someone had gotten access to my information. In this process they had me reset my password with a temporary provided password and said I would be locked out of my account for XXXX hours as a safety precaution. This is when I started to get a little suspicious. Before I had gotten off the phone, I received an email that my bank card was added to XXXX XXXX. I don't have a XXXX device. At this point, I got off the phone and called Chime directly to see if they had called me. They confirmed that they did not try to call me. I reset my password again and logged back in to find that the scammers had made {$1600.00} in XXXX transactions in purchases in XXXX, XXXX, and XXXX Florida between XXXX and XXXX pm. I would like to note here that I left work in XXXX GA just before XXXX, which is about a XXXX XXXX XXXX from XXXX. I have since made XXXX disputes with the bank and filed a police report. The bank made a split decision and has refunded {$410.00} to date. The investigation team at the bank has stated that they found no error occurred in the other transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-16
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:
After reviewing my credit report I found many inaccuracies. The following accounts are inaccurate, yet your company continues to report inaccurate information to my consumer report. Under the provisions of the FCRA I am demanding that your agency proves to me in writing the accuracy of the reporting of the inaccurate accounts listed below. 
By law you have 30 days to provide me with proof of accuracy or these inaccurate accounts must be removed from my report. I have sent this complaint through the CFPB so it is timestamped, and I have attached my license and proof address to this complaint, and the CFPB sends me copies of this complaint so I have proof if need be, so I expect a prompt response from your agency. In the event that your agency fails to respond with the proper documentation that I, the consumer, has requested within the 30 day period, as a consumer I will follow up with whatever action is necessary as you will be held legally responsible for noncompliance under the Fair Credit Reporting Act, 15 USC 1681n. 

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX and distress

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 2023-07-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an email alert from XXXX asking if I had recently applied for a credit card. I responded back that I had not recently applied for a credit card. I then received a call from XXXX on Friday, XX/XX/XXXX asking me if I would give them permission to call the credit card company, Synchrony Bank for a Venmo credit card, which we did. I reported to them that I had not applied for this credit card and that it was fraudulently obtained. They said that they were closing the account and sending it to the fraud investigations department for review. I also had a {$1500.00} transaction with my bank account from Venmo. I have since suspended that account. I have also frozen my credit with all 3 credit bureaus and have also placed a fraud alert with each one of them.

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX 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 explanation