BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-14
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: Old information reappears or never goes away

Complaint:
I have an account that appeared on my credit last year from XXXX XXXX on behalf of original creditor XXXX College and it was deleted off of my XXXX, Experian and XXXX report by XXXX the dispute date was XX/XX/2017. Some how it has been reinserted this month on my XXXX, Experian, and XXXX reports by a new collection agency going by the name of XXXX XXXX XXXX XXXX. I was not notified in writing or phone call about this debt nor does this account belong to me as I have placed a fraud alert on my credit files due to breach. It was previously removed from not being my debt and it was resold to another collection agency. I want this account removed back off of my credit reports immediately this is a violation of the FCRA by reinserting a deleted account back 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 2023-07-26
Company: Experian Information Solutions Inc.
State: FL
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:
There is a FRAUDULENT item ( XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XXXX XX/XX/2023 ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report 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 2023-06-02
Company: Experian Information Solutions Inc.
State: LA
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 is XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2021-04-07
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:
I was enrolled in XXXX XXXX. Fraud was legally discovered and the debt forgiven. The credit bureaus and the XXXX XXXX XXXX XXXX have refused to delete this information from my credit and are reporting the debt as a collection regardless of the fact that I have provided all of the documentation proving the forgiveness. This is causing my family unbelievable hardship. Please help me correct this once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/22 I had {$6.00} for my available credit. I then spent at XXXX these amounts : {$2.00}, {$1.00}, {$3.00}. That left me with XXXX OR as Capital One listed XXXX in my available credit. 

I owed a balance of {$570.00}. 
Bear in mind, the transactions were pending, BUT, the money had already been taken out of my available credit to cover those transactions. 
NO OTHER MONEY SHOULD HAVE BEEN DEDUCTED. 

At that point, I made a payment of {$200.00} and cashed in my rewards which was {$24.00}. So I had {$220.00} that should have been added to my available credit, which was XXXX. 
My available credit should now be {$220.00} -- -- -- But it wasn't. It posted a few minutes later showing my available credit as only {$140.00}. 

My new balance owed should have read {$340.00}, but it still read {$570.00}. 
I called and was told at XXXX the next day it would be straightened out and the correct amounts would then show. That didn't happen. 

The next day my balance read {$850.00} while my available credit still read {$140.00} ( not {$220.00} ). 
The {$220.00} was never deducted from my balance owed. 

Other transactions have been added but they don't count in this complaint. The last transactions that count are the XXXX from XXXX 's on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On the XX/XX/XXXX I had the following coins transferred to my Coinbase wallets. I have put links to the coinbase wallet addresses for my account and blockchain info. 

Bitcoin XXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Looking at my wallets XXXX XXXX XXXXXXXX There is nothing there for the transfer for any of the coins. Not even pending. If you look at the blockchains above you can see the coins went to my addresses and immediately left somewhere. However the amounts never went to my wallets. I opened a case for this on the XX/XX/XXXX and still haven't had a meaningful reply from coinbase

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report which I have recently reviewed. The report contains incorrect personal information and unauthorized credit inquiries, as well as accounts that do not belong to me. The items are as follows : Incorrect Personal Information : Previous Address : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I kindly request that you investigate these items, remove or correct the inaccurate information, and provide me with an updated copy of my credit report. If you are unable to resolve these issues, please provide a written explanation as to why the information is considered accurate.

Please note that I am attaching a copy of my credit report highlighting the disputed items. Additionally, I am enclosing copies of relevant documents that support my dispute. For your reference, my Social Security Number last digit is XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2021-01-11
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 is missing that should be on the report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are accounts on my credit report I do not recognize. I have mailed Transunion the proper documentation including my ID, Socia Security Card, Police report on the accounts below. 
1. XXXX XXXX XXXX 2. XXXX XXXX XXXX I talked with transunion and they have received the documents. According to the FCRA 605b these items must be removed from my credit report within 4 days of receiving my documentation. Transunion is upsetting me because misleading and inaccurate information is still reporting. I am demanding they remove the accounts from my profile within 4 days and the remain in compliance to the FCRA 605b. 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 2022-10-13
Company: Ability Recovery Services, LLC
State: WA
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:
Between XX/XX/XXXX - & XXXX XXXX Ability Recovery Ser. illegally reported an improper use of report to XXXX, XXXX, & XXXX in the amount of {$710.00} XX/XX/XXXX XXXX XXXX illegally reported an improper use of report to XXXX, XXXX, & XXXX in the amount of {$730.00} XXXX XXXX, XXXX XXXX XXXX illegally reported an improper use of report to XXXX, XXXX, & XXXX in the amount of {$45.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) illegally reported an improper use of report to XXXX, XXXX, & XXXX for a hard inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) illegally reported an improper use of report to XXXX, XXXX, & XXXX far a hard inquiry XX/XX/XXXX XXXX XXXX XXXX ( Auto ) illegally reported an improper use of report to XXXX, XXXX, XXXX XXXX for a hard inquiry XX/XX/XXXX XXXX XXXX  XXXX illegally reported an improper use of report to XXXX, XXXX, XXXX XXXX for a hard inquiry XX/XX/XXXX XXXX XXXX illegally reported an improper use of report to XXXX, XXXX, XXXX XXXX for a hard inquiry XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX illegally reported a hard inquiry to XXXX, XXXX, XXXX XXXX for a hard inquiry. 
XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  ( XXXX XXXX, SD ) illegally reported an improper use of report to XXXX, XXXX, & XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. ( 15UCS 1681 SECTION 604 A SECTION 2 ) States that a Consumer Reporting Agency " can not furnish an account without my written instructions. 15USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter in regards to several negative items appearing on my credit report related to various accounts that have been charged off, late payment accounts, and collection accounts. The following accounts are the ones I am disputing : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Account I dispute the accuracy and completeness of the information reported by your organization regarding the above-mentioned accounts. I believe that there are errors in the information that has been provided and that they have been reported in violation of my consumer rights. 

I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) states that any information reported to the credit bureaus must be accurate, complete, and verifiable. It is my right to dispute any inaccurate information and to have it corrected or removed from my credit report. 

I also believe that the reporting of this information has caused significant emotional distress and hardship for me. I request that these negative items be removed immediately as they are affecting my credit score and financial well-being. 

I request that you investigate these accounts and remove any errors or inaccuracies that you find. Please provide me with written confirmation of your findings and any action taken. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2022-10-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ACCOUNT NAME : AMEX ACCOUNT NUMBER : XXXX ACCOUNT NAME : AMEX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Experian Information Solutions Inc.
State: NC
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:
experian, XXXX and XXXX reporting incorrect personal information on my credit reports such as my name, address, Wrong balances and open date. This is considered as misleading and is hurting my credit. My next step will be taking the agencies to court.

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 2021-01-11
Company: U.S. BANCORP
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
USbankReliaCArd was frozen since XX/XX/XXXX. 
XX/XX/XXXX Placed a call to XXXX, was told to fax drivers license and non federal emplyee to XXXX which I did on XX/XX/XXXX with confirmed receipt. 
XX/XX/XXXX did a follow up call, was told it will take 5-10 business days to procees. 
XX/XX/XXXX Placed a call, was told to send a selfie to Verify.USbank.com/Retail which I did. 
as documents not found.Requested as call from Supervisor. 
XX/XX/XXXX Call from XXXX, Supervisor, unable to find documents to refax documents. 
XX/XX/XXXX Documents refaxed to same number as stated above. 
XX/XX/XXXX Followup call, need selfie send to Verifu USbank.com/ID XX/XX/XXXX CAll placed, card still inactive. 
XX/XX/XXXX Placed a call again, still no determination, was told told to call back 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
Consumer complaint received 2021-01-11
Company: NRA Group, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an attempt to collect a debt on items that I had no knowledge of. I have submitted letters on XX/XX/XXXX to the each of the collection/creditors, stating that at the times I lived only at one address which were not any of the addresses that where added to my name. 

XXXX XXXX was open XX/XX/XXXX for XXXX $ Notified on XX/XX/XXXX that the debt did not belong to me, no response Acceptance now was open on XX/XX/XXXX for XXXX $ company never responded when notified on XX/XX/XXXX National Recovery was open XX/XX/XXXX but the original date is XX/XX/XXXX for XXXX $ once I notified this company instead of responding they placed my account as if I am admitting to the debt and made it up to date to their knowledge.

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 2021-11-01
Company: AES/PHEAA
State: MI
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : FED LOAN SERVICING Balance {$6600.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$4700.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$6500.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$4700.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$7100.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$3700.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$3900.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$630.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$3700.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$1300.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$5000.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$3500.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$1200.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$4400.00} Reported : XXXX XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDUELNT ACCOUNTS IN MY NAME I HAVE CONTACTED LAW ENFORCEMENT LOCAL AND FEDERAL XXXX XXXX writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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