BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : The following accounts contain innaccurate information. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report, XXXX XXXX Account number XXXX Date opened XX/XX/2019 Please mark each account as being disputed The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit Bureau Systems violates 15 US Code 1692e-False or misleading representations.

( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector to collect a debt. 

The documents received from XXXX have altered amounts on the document sent to me for review; there is a line drawn through debited amounts, and I am unsure of the reasoning is a credit or debit ( HANDWRITTEN ALTERED ). There are also other names on the account ; if the account is for XXXX XXXX, it shows additional amounts for XXXX XXXX. I have also included their report to show and prove inaccuracies. It also shows the insured as XXXX XXXX when there are two insurances. Does not show authorization to bill insurance, only showed they tried to bill. There is no signed contract that I would be responsible for any care besides my own. This company is not in compliance with FCRA or FDCPA ; they are not even compliant with XXXX formatting.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I sent a dispute letter to Equifax. On XX/XX/2020 I received a response from Equifax regarding the " dispute results ''. Equifax has indicated that they were unable to locate my credit file in their data base and in order to further assist me I will need to provide 2 documents from each category provided ( 1 ) driver license and ( 2 ) a Social security card which both were attached to the original dispute letter for the purpose of identity verification. Equifax has requested that the copies be " enlarge '' for legibility as their non-human E-Oscar machine does not have the clarity as rod and cone cells as in the retina to allow conscious light perception and vision, including color differentiation and the perception of depth. The human eye can distinguish about 10 million colors while Equifax 's unmanned dispute machine is of no comparison, the copies provided to Equifax with the original dispute were of standard size and made in color print for legibility, see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX I defaulted on my student loan due to financial difficulties. In XXXX of XXXX, my paycheck was garnisheed. I continued to have payment deducted from check consistenly until XX/XX/XXXX. During these 8 years, I contacted the representative from New York State Higher Education Services on many occasions to see how I could rectify my situation, he was always XXXX XXXX XXXX  and did not provide any assistance, his only response was always : " you will have to pay the balance of the loan in full '', I was not in a financial position to do so. In XXXX of XXXX I called him to let him know that I was changing employers and did not want to transition with a garnishment with my new employer. We made arrangements for me to send payments directly, I did so from XX/XX/XXXX- XX/XX/XXXX when the student loan moratorium was in effect. At no time was I told that my loan was in a default status for over 10 years. In XXXX I found out about the PSLF loan forgiveness program and submitted an application. It is at this time I was told that my loan was in default and would have to " consolidate '' to submit a PSLF application. I followed the instructions, consolidated and submitted the PSLF application. I received notification that my request was denied because they would not approve the payments made for over 10 years since the loan was in " default. '' I don't think it is fair to be penalized because the lender did not provide information or assist in having the loan reclassified since I made regular payment every month for over XXXX. This is not the way to treat people who are trying to do the right thing. I have filed a reconsideration that these payments be counted. I met all the other requirements for PSLF, working for a non-profit and currently for a public entity. I believe the NY State Higher Educsation Corp representitive 's name was " XXXX. '' I will turn XXXX in XXXX XXXX and plan on XXXX next year. I have paid back including very high collection cost which in total exceeded the amount borrowed! Please help! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: PA
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:
My name and address is incorrect on my credit report. My correct name is XXXX XXXX XXXX XXXX. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX PLEASE DELETE ALL ADDRESSES, I HAVE NEVER RESIDE AT THESE LOCATIONS : XXXX XXXX XXXX FL XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX FL XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX AV, XXXX, NY XXXX PLEASE REMOVE THE FOLLOWING NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THE FOLLOWING EMPLOYERS : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am complaining about your non compliance to the request I sent you about the identity theft issues I had. You have been ignoring me like you didn't receive my letters when I can actually track them and I also have proof of them. May I remind you that not responding to consumer letters are punishable by law and I have documents that can prove 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 2023-09-06
Company: Experian Information Solutions Inc.
State: IN
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:
To whom it may concern, I asked Experian to reinvestigate accounts on my credit file. 
XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX I asked for them to produce a copy of the original singed contract with my signature on it and what was the method of verification was used.They couldn't produce the requested items. I asked for, I never received it. According to 15 U.S.C. 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly. It also states : no consumer reporting agency can not furnish an account without my written instructions. It has been more than 30 days and by State and government law, the disputed accounts must be removed. I also sent everything in certified mail. This is a violation of my rights. There is a need to ensure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. They could not produce the original signed contract with my signature on it, by State and Government law, the disputed accounts must be removed.

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 2018-10-11
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
American Express had promised me that if I book tickets using their card I would be covered with travel insurance which includes trip cancellation and itenary changes. 
Now when I want to go ahead and cancel the tickets due to emergency situation I have been told by the travel agent I would be charged {$200.00} for cancellation and American Express doesnt want to go ahead And reimburse me the amount as promised and advertised.

Their customer service is worse than a customer service in a developing country and its a shame to realize how they just make customers like me a fool and make money of us and dont be loyal to us and but expect us to be loyal to them!

When asked for speaking to a manager they have hung up on me or transferred me to accident insurance departmwnr just to get rid of my query or call!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-11-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I deposited a check into my account with chase Bank in XXXX XXXX. The check was deposited on XX/XX/2023 and collected the fund on XX/XX/2023 bank continued the hold. I called them on XXXX explained you have collected the funds. But the person who was handling the deposits. Told me the funds were not collected. I had proff the fund were collected 5 days ago. But she said that does not count we have our own rules. As of results they charged my account for insufficient funds overdraft which I had another check needed be paid on XXXX XXXX of XXXX. I believe bank do this systematically for Many account holders and place unnecessary hold on funds for its benefits helping bank cash flow and charge consumer for overdraft fees When should not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

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 2021-06-10
Company: U.S. BANCORP
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:
Discovered US BANK did a individual inquiry ( without my permission ) on XX/XX/2020. Of course because of this, my credit score was lowered by a lot of points, When I'm trying to get my credit score higher. 

I contacted the phone number, XXXX and their address is : XXXX XXXX XXXX XXXX, XXXX, MN XXXX. 

Spoke with a bank agent and she had no clue why this happened and couldn't give me a straight answer. I'm really upset here and it appears this is FRAUD. Which needs to be addressed immediately. 

Need to have this removed from all three credit reporting agencies and I want my points back that was stolen, because of this fraudulent injury!! 

The main number for US BANK 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 non-monetary relief
Consumer complaint received 2023-11-07
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My phone and XXXX Chime debit cards have been stolen over the course of the last XXXX months, beginning in XX/XX/2023. I filed multiple police reports and have reported the fraud to Chime Bank. They have continuously denied my claims. The total amount of fraud is now totaling {$7000.00}. 
The claim numbers and amounts are as follows : XXXX - {$2400.00} XXXX- {$3000.00} XXXX- {$1200.00} XXXX- {$300.00} Bank Name : Chime Account number : XXXX Routing number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: NY
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 of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have debit on my credit credit report from IC Systems for XXXX I never had an account with 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 explanation
Consumer complaint received 2021-07-08
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I established an account with Coinbase.com via a referral. 

On XX/XX/XXXX I scheduled a transfer of {$100.00} from my bank to Coinbase. The funds appeared available in my account. I purchased {$1.00} of the XXXX cryptocurrency and was charged a {$0.00} fee on XX/XX/XXXX. 

On XX/XX/XXXX Coinbase informed me the transfer had failed. I then attempted to make a transfer from other accounts but they were repeatedly denied. On the same day I contacted Coinbase about closing the account and paying the balance due. 

Coinbase has repeatedly emailed me to request payment and I have continued to try to send them money but they will not provide a path forward. Their support seems to say they will not accept payment until I provide a photograph of my ID. I do not feel comfortable sharing this information. I lasted emailed them XX/XX/XXXX and they promised they would get back to me but have not yet. 

I would like to send them the balance due and terminate my relationship with them. 

The case number with them is : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: EQUIFAX, INC.
State: PA
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:
In XX/XX/2020 ; XXXX XXXX placed my primary residence and an investment property into a CARES ACT COVID-19 Deferral. This was done without my consent or my approval. They would not allow me to make payments while on deferment as I wanted to at least cover the escrow amounts. In XXXX ; I was asked a pivotal question, Did I want to pay back the past due amount or balloon the balance onto the 360th payment. As an investor I took the opportunity to balloon the payment to redirect funds into an investment. I began making payments as of XX/XX/2020 according the normal schedule. XXXX XXXX held their word that the account was never reported late or past due and has that the account is current. The problem is that the remarks and comments section mentions that account is actively in deferral. I can not secure credit from anyone because every lender believes that my mortgages are in an active deferral. XXXX XXXX has responded to my complaints that the lenders are not interpreting the credit report correctly. However, every lender is interpreting the credit report this way. I need this comment removed as I can not secure any credit despite having an XXXX credit score and actively making payments. 

Please note that I am not attaching any documentation because I fundamentally do not have any documentation to attach. I did not complete any forms for the deferral ; I did not receive anything saying I was not in deferral so I have nothing to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
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: Account information incorrect

Complaint:
I paid the Online Collections, the account number on my credit report is XXXX directly to XXXX XXXX, account number XXXX, in the amount of {$1100.00}. I am not sure why this account is still 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 2018-07-10
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX is inaccurate reporting my loan as derogatory status that has been consolidated and current for over two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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