BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-08
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Had an account with my son and they charged off my account for {$41.00} for Overdraft, I got a class action suit for overdraft fees that they reimbursed me, Also, they didn't send the information to the correct address I was unaware of this charge I tried to update and get a new checking account because of the overdraft they will not remove from XXXX XXXX as they added these charges later then charged off my account. I had paid money to the bank in XX/XX/XXXX and these charges were added later without my knowledge and is now affecting my consumer report for five yeas. I need this updated and removed as their should be no overdraft or extended fees by XXXX XXXX XXXX. I had two accounts with them after this and they never told me of this just sent it to XXXX XXXX. I spent an hour and a half with XXXX  XXXX XXXX and they wont remove the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Below are fraudulent accounts and inquiries reported to my Transunion credit report. Accounts : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  balance {$5000.00}. Inquiries 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 2020-08-10
Company: Prosper Marketplace, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Have been adversely affected by COVID 19 and worked out forbearance program with Prosper but was still reported as having a late payment to credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon several requests since the company received the collection from XXXX XXXX. They still have never sent me an itemized bill or allowed me to dispute the bill at all. I called in again to see why XXXX XXXX or their company wasn't replying to the arbitration request and found out that XXXX XXXX is refusing to speak to me about the account. Claiming that I need to call IC system collections agency. Yet that agency refuses to give me any details in relation to the account other than I owe them money. When requesting itemized statements, they claimed that I was supposed to request that before. Which I did, 3 separate times. They only give me a final bill with no relation to what is owed and why it's owed. The reps absolutely refuse to give any dispute options and when I requested to file disputes, they claimed I can't do it and that I needed to file the dispute 30 days after I got the notice ( which was the final bill and not the itemized statement that I had requested multiple times ). 

Reps claimed I couldn't do anything and that I needed to pay the debt. I noted CFPB regulations don't have any time limits on consumer filing disputes. But the rep claimed their company makes their own policies and that I can't file any dispute or request statements from XXXX XXXX because I should have done that before. ( again, I did it before ) and it was never sent to me. Just the final bill. 

Rep refused to get me to a manager and IC company is the recipient of the XXXX case # XXXX and they are not responding to arbitration either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: BOK FINANCIAL CORP
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I previously put in a complaint on bank of oklahoma and their response was its still under investigation and I have to wait the 60 days but it has already been longer than 60 days because it's happened on XX/XX/XXXX And the bank told me that the investigation was closed that they were not going to pay out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I pay my debt with a program of XXXX XXXX. 

I received a letter with debt {$2000.00} XX/XX/2023. I make a dispute with evidence of XXXX XXXX. 

I received another letter XX/XX/2023 I presented again the same evidence. 

I received a letter XX/XX/2023 where they said already responded my dispute, they ignored my evidences. That response I must to make a claim to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
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:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

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 2018-04-09
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:
I was notified on XX/XX/18 that a debt with XXXX was verified and the company sent me documents as proof with someone else 's name, address and vehicle description. The contract also has the name XXXX on it and not XXXX. I have tried numerous times with certified letters to get this resolved with the company itself but it continues to report false and incorrect information on my credit report and keeps sending me documentation with inaccurate data showing it belongs to someone else. There is no validation or verification of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-02-13
Company: Experian Information Solutions Inc.
State: TX
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:
I have reviewed my XXXX XXXX and noticed that this XXXX Credit Card account starting with XXXX is not mine and inaccurate. I have tried several times trying to resolve the issue with dispute letters to no resolution. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy and that is not the case here with the attached account. 

XXXX and XXXX have already shown that the account was not mine and the information is not accurate so they have removed the account. Experian still has not. 

I have attached photos from XXXX separate reporting companies that show different/inaccurate information. In the photos you'll notice that Experian shows on XXXX report the open date is XX/XX/XXXX and the other says XX/XX/XXXX. It also shows on XXXX report that the last payment was made on XX/XX/XXXX and on the other report, it shows no such payment was made. 

Please investigate and provide Proof that these reports are accurate but if proof can not be provided, I demand that this account is removed from my consumer report. 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am submitting this complaint because TransUnion is reporting an account that is under litigation on a current lawsuit. For this reason, this credit reporting agencies is supposed to delete this account. I've been through a hard time with this account and now I even have to tell this credit repotting agency to do the right thing. 

This account must be deleted from my report. This situation has caused me psychological stress and I am just requesting what is fair. 

Account information : Account number : XXXX, date Opened : XX/XX/2020, high credit {$2400.00}. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
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:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. 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 explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: GA
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:
I recently conducted a comprehensive review of my credit report as part of my professional responsibilities and was deeply troubled to uncover a significant number of unverifiable, invalidated, inaccurate, and questionable items. It is imperative that your agency ensures the absolute accuracy of the information it reports. 

As mandated by the Fair Credit Reporting Act, it is incumbent upon credit reporting agencies to maintain a credit report that is 100 % accurate. These accounts, as outlined in both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), are in clear violation of this crucial requirement. 

I expect prompt and thorough action to rectify these inaccuracies in compliance with the law and industry standards. Your agency 's adherence to these regulations is essential in maintaining the integrity of the credit reporting system.

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 2023-02-08
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:
I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XX/XX/2022 account number XXXX XXXX XXXX XXXXXXXX XXXX account number XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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 instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per

se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. Fair Credit Reporting Act 15USC 1681 viola
tions for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: EQUIFAX, INC.
State: AR
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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$350.00} XXXX XXXX {$350.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$410.00} XXXX XXXX   XXXX {$350.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$470.00} XXXX XXXX {$350.00} XXXX XXXX {$660.00} XXXX   XXXX {$660.00} XXXX XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2017-12-28
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XXXX/XXXX/XXXX at XXXX I sold XXXX XXXXXXXXXXXX per ETH ( {$3500.00} ) to my USD Wallet on Coinbase. My ETH was removed from my wallet, but I 've never received my USD. This transaction is supposed to be instant and it 's been 30 days and I still do n't have my money. I opened a case with Coinbase support ( Case ID XXXX ) on XXXX/XXXX/XXXX and I received an update on XXXX XXXX that they were going to have a specialist look at the issue. I called their phone support on XXXX/XXXX/XXXX and after waiting an hour on hold the analyst told me that my request has been properly escalated and that 's all she could do XXXX XXXX ID XXXX XXXX. When this amount of money is on the line I do n't see how this level of service/support can be acceptable. 

Coinbase needs to resolve my issue and deposit the {$3500.00} to my USD account on Coinbase

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Two Issues : ( 1 ) In XX/XX/XXXX I had to take out a private loan from XXXX XXXX for {$29000.00} due to an erroneous collection disqualifying me for federal loans. After the collection was removed a year later I was able to get federal loans to finish my education. In XX/XX/XXXX I found myself in a financial hardship and was unable to pay. The feds were willing to work with me but not XXXX XXXX. I defaulted on the loan, but I do not know for how much, who legitimately owns the loan or any verification. Attached are documents showing that the loan amount is different between collection agencies and the credit reports, and there are multiple collection agencies. One document on my credit report shows that it was discharged in my bankruptcy in XX/XX/XXXX.

( 2 ) When recently checking my credit I perused each account and noticed that XXXX XXXX is reporting on Trans Union several accounts as open with balances reflecting more than the original amount, but that " payment deferred. '' The sum of these accounts is roughly {$90000.00}. Checking all my federal loans through the NSLDS ( attached ) I was able to see the loans that XXXX XXXX is reporting. These are federal ( FFEL Plus Graduate ) loans, not private with XXXX XXXX. They are also paid with a XXXX balance as all were consolidated into a Direct loan. So, these loans are essentially being reported twice, but that when a potential creditor checks my credit it shows {$90000.00} of open balances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: AC AutoPay LLC, Denver, CO Branch
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023 XXXX PST I saw a hard inquiry from XXXX XXXX XXXX XXXX on my credit report. 

Upon contacting them they told me the request was generated by AutoPay ( parent company XXXX ) I have never contacted autopay or given them explicit permission to run my credit. 
I have only filled out a form on XXXX XXXX with XXXX to refinance my car loan but they specified only to run a soft inquiry. 

I tried talking to AutoPay but their staff XXXX XXXX and XXXX XXXX informed me that they purchased my information from XXXX and decided to run my credit without my consent. 

XXXX also refused to dispute this credit check after multiple requests and eventually stopped responding altogether to stop their liability I want this hard inquiry removed as I am working towards building my credit currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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