BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-20
Company: Global Payments Check Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Global payment check services. has added three charge off accts to.my credit reports.XXXX credit report # XXXX on XX/XX/XXXX I received my report. They first reported on XX/XX/XXXX I had no knowledge of any account with them or their clients. Date opened XXXX XXXXchargeoff date XX/XX/XXXX. For XXXX acct # XXXX I LOTTERY IS THE SUPPOSED CLIENTS. NEVER IN MY LIFE HAVE USED THAT SERVICE. TWO MORE CHARGE OFFS SAME CLIENT AS PA I.LOTTERY THE OTHER IS XXXX XXXX.i never used that service as well. This is all fake and definitely not mine all three. The company harasses me but Will not listen to me and my verification of false accusations they caused my credit score to.drop 165 points

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my deep concern and dissatisfaction regarding my ongoing attempts to rectify an inaccurate late open account that persists on my credit report. Despite repeated efforts to have this issue addressed, the incorrect information remains on my credit history, causing undue harm to my creditworthiness and financial standing. 
I have made multiple requests to have this issue resolved, yet the inaccurate information persists in XXXX and XXXX Credit Bureaus. I have enclosed copies of my previous dispute letters for your reference. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 submitting a follow up CFPB complaint as to make sure the XXXX and TRANSUNION Credit Bureaus, under section 605b of the FCRA the Credit Reporting Agencies are required by law to remove these items which are found to be opened due to identity theft. And I am just doing a double assurance so that the mentioned Credit Bureaus will REMOVE THE LISTED ITEMS in this complaint. Im re-attaching the required FTC Report for you and personal documents ( learned through more research both parties require ) in this follow up complaint. Please remove these files. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Here are the items I need the XXXX and TransUnion Bureaus to REMOVE : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$11000.00} TRANSUNION : XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XX/XX/2022

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 2022-06-16
Company: Navient Solutions, LLC.
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: Their investigation did not fix an error on your report

Complaint:
Only the holder of the original note can collect on the debt that exists on the instrument. If you did not sell this instrument I need you to produce it. If you did sell my instrument you should have contacted me to inform me prior to doing so. Your company is furnishing an account to my consumer report without my permission. I am requesting the original document and physical proof one exists that gives your company permission to furnish this account to my consumer report. This document must be a bilateral contract between your company and my self that gives your company permission to furnish this debt on my consumer report. You must prove that I am the obligated party for repayment to you or delete this account from my consumer report. Providing a statement that you have an agreement with another company and not me is not sufficient proof that I owe your company anything. Continuing to furnish this account to my consumer report without providing the requested information is FRAUD and a violation of my consumer rights and I will not hesitate to bring legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX XXXX so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have disputed this inaccurate infroation 4 times, last transunion dispute # XXXX. 

There are 2 accts on the credit report from same creditor XXXX XXXX # XXXX ( creditcard ). XXXX XXXX # XXXX ( Loan ) both accts discharged chapter XXXX bankruptcy, but the have 1 acct XXXX XXXX # XXXX ( creditcard ) as open and other XXXX XXXX # XXXX ( loan ) show closed which is correct. 

Both accts were discharged via the same chapter XXXX bankruptcy and both should show as closed, but everytime disputed transunion states it is accurante. 

XXXX and XXXX show both acct closed and dischanged chapter XXXX bankruptcy, which means transunion is not actually doing an investigation, otherwise i would like to know why other credit bureau show accurante as both acct being closed and dishcarged chapter XXXX bankruptcy, since i have disputing this 4 times, this inaccurante acct should be deleted 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 2018-04-30
Company: SANTANDER BANK, NATIONAL ASSOCIATION
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: Problem with personal statement of dispute

Complaint:
I had a XXXX XXXX unit in XXXX NY when I was overseas. After I returned to the US from overseas in XX/XX/XXXX, I had closed my storage unit with XXXX XXXX at XXXX in the month of XX/XX/XXXX. The monthly autopay was set up with XXXX XXXX XXXX XXXX XXXX. In the month of XX/XX/XXXX I had requested XXXX XXXX to freeze my account but they failed to do so. Inspite of closing my account for the month XX/XX/XXXX XXXX XXXX fraudulently charged my account for $ XXXX/-. I disputed the same with XXXX XXXX XXXX XXXX XXXX with all my back up documents and the vacant storage unit receipt and they did not help me at all. Instead kept adding late charge and raised the level from $ XXXX/- to $ XXXX/- and reported my account as a charge off to the 3 credit bureaus. Since then my credit scores have been tremendously effected and the incredible low score has blocked me from getting a mortgage I had applied for. I feel this is malicious retaliation and I am not willing to put up with this wrongful act any longer. Please help me in resolving this reprehensible act created by Santander and 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 2018-06-13
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have consistently received incorrect information from loan service officers at American Education Services, or have received contradictory information from another officer upon followup. In some cases this has caused me to incur late fees or has negatively affected my credit rating. The most recent example was in XXXX-XX/XX/2018. In XXXX I called to report hardship making my loan payment and asked what options, if any, existed to lessen the burden. After informing me that most of my options were exhausted, the officer told me that after my account was 31 days past due, I could call in and make a good faith payment, which would bring my loan current and begin a process of reduced repayment plan ( RPP ). After waiting the requisite amount of time, I called back and another officer informed me that I was not eligible for this option and the only recourse I had was repayment. Meanwhile one of my loans had been put in deferment, for an unknown reason, presumably by the first loan officer ( who told me it was not possible to defer this loan ). I pressed the second loan officer to explain why the first one had told me about the RPP. Did she give me bad info? Was she incorrect? After putting me on hold she told me that if I made a good faith payment, I could request an RPP. 

This leads me to believe that not only are AES staff oftentimes giving out wrong information, but they are purposely concealing the options that are available, hoping they can coerce people into repayment ( for example, by mentioning that if they don't repay, their credit will be negatively affected ) when in fact there are other alternatives. 

Added to their constant harassment of me and my cosigners, even when I speak to them and we agree on a repayment date, this behavior is unacceptable and there seems to be absolutely no accountability. I ask that the CFPB look into this and other complaints against American Education services and consider taking action to curtail these dishonest policies. Paying off student loans is hard enough without an organization like AES confusing the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
XX/XX/2022 In the past, i had to file a complaint against Coinbase # XXXX for restricting me from trading ( investing ) which is against the law. In the past, Coinbase website would not accept my Nevada driver 's license nor my banking information from XXXX until i filed a complaint. Since then, i have been trading on Coinbase. A few days ago, i wanted to trade once again but i was not able to because Coinbase is requesting ID and bank verification once again when there have not been any changes. Coinbase website would not accept my Nevada ID once again. Now, i was informed that the financial regulation state ; all investors must prove identity and banking information at the time of opening and account. Federal law does NOT state that financial companies can re-verify or be allowed to harass investors periodically otherwise other companies such as XXXX, XXXX and XXXX would do the same thing. I tried to contact Coinbase, but investors are not able to speak to anyone. I tried to email Coinbase at XXXX XXXX XXXX and the computer or website reflected Coinbase does not accept emails anymore. As you can see, investors do not have a good way, a reliable way to contact Coinbase when investors have an issue. I request that Coinbase fix my account immediately so i can trade without any further harassment or restrictions from trading on Coinbase now or in the future. I request that Coinbase fixes their website and allow investors to email and call customer support at Coinbase to resolve issues. I request that federal agencies investigate this matter for any wrongdoing and fine this company if there has been any violations! Furthermore, i exercise my rights to file out complaints against Coinbase with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX 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 Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy Date XXXX : XX/XX/XXXX XXXX # : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to 15 US Code 6802 - any persons sharing non-public information to a third party is in direct violation of the law & my privacy in which is to be protected at all times from said companies or persons and was not given the written opportunity to opted out. 

After reaching out to all three for verification & removal ; All 3 or 1 companies have not removed the following, nor adjusted the information in which is the same across all reports, or failed to respond within the 30 days of verification ask, which pertains to this complaint 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

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 2022-12-29
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or removed. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are repaired immediately : XXXX FIN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, 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:
It appears that my file has been compromised. Again, I was going through my records & noticed the items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these accounts XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$2800.00}

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 2023-04-27
Company: Experian Information Solutions 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:
On XX/XX/2023 received an email from Experian regarding report number XXXX dispute results by XXXX XXXX XXXX XXXX ( XXXX  ) Dispute came back, Updated so I looked to see what was updated. The month of XXXX is reporting late. I first called Experian about the late payment in XXXX, the rep. Told me that they did not put it on there that the data furnisher furnished it. ( XXXX XXXX XXXX ) when I called XXXX XXXX XXXX, and told them about the late payment. The Rep. replied : THATS IMPOSSIBLE! And went on to say that we only report on the first of the month, that my bill is due on the XXXX of the month, it has not been 30 days and on the first of XXXX would not make me late.Theres no way XXXX XXXX services marked you late. 

( XXXX XXXX a natural person ) Experian told me that they didnt do it, XXXX telling me that they didnt do it. Yet its still on my consumer report. Its inaccurately reporting. 15 usc 1681i procedure and case of disputed accuracy. 
I would like for the CFPB TO REINVESTIGATE this matter. 
It also says my recent payment was XX/XX/ thats inaccurate as well, but I have transactions from my bank to prove this to be inaccurate incomplete.

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 2022-12-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Company response to consumer: Closed with explanation