BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-05
Company: Southwest Credit Systems, L.P.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was sent a letter on XX/XX/2021 from the credit debt collection company. They sent to an address that I no longer live at, and the internet service provider would have no way of knowing that old address. The letter was vague and stated an amount of of money I owed, but I never got notification from the parent company about money owed. 
I attempted to look for any notification, which I never received. The last time I used the internet service would be several years ago. 
After doing some research on the debt collection company a few days later. XX/XX/2021, it appeared to be a scam or unverified company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference,

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 2021-04-16
Company: Coinbase, Inc.
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Coinbase ref : XXXX : ref PROBLEM NOT SOLVED Help request # XXXX Login XXXX The problem started when I tried to upgrade to Coinbase Pro and their system would not accept the correct access code three times, then locked me out.

When I opened and made my purchases on Coinbase I owned XXXX homes, my Homestead in XXXX and my vacation home in XXXX. I have since retired, sold my XXXX home, and moved to XXXX  full time. Coinbase has now closed my account because they aren't registered in XXXX. Under these circumstances I believe I met their requirements when I open my account and made purchases while living in XXXX. No where in their Terms of Service does it say if you move to XXXX, where they aren't registered, you will loss access and all your assets. That is exactly what they have done to me. 

At this point I have no access. They have informed me that my account has been closed because they are not registered in XXXX. 
They gave me no options to liquidate my assets. 
Also I was never asked for more then the 2 step text security access code to both buy and sell coins AND increase my limit to {$7000.00} from {$500.00}. So I had no idea there was a problem.

There is no live help on line or phone to ask questions.

Does just living in XXXX disqualifies me from keeping my account?

If so, where is that stated in Coinbase Terms of Service?

Where does it state what happens to your assets should one move to XXXX? 
THEY SHOULD NOT BE ALLOWED TO KEEP MY ASSETS. Please help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 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 inquiries. I am submitting a complaint for assistance to REMOVE them 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 non-monetary relief
Consumer complaint received 2023-04-21
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX in the amount of {$830.00} I have tried to resolve this issue several times with no good results they aren't willing to help do anything this is stopping me from getting a home for my family. which is very important to me and stopping me from getting reliable car. according to 15 U.S.C 1681 there shouldn't be any damages on my report its defamation to my character

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 2022-02-07
Company: AMCOL Systems, Inc.
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've had extreme difficulty paying my bills for XXXX XXXX XXXX XXXX XXXX Nh and it's parent company XXXX XXXX for years. I can give you the details of those years if needed. Many times I've had payment plans and paid til they wouldn't take anymore money and this has happened several times. Last year the hospital had me make payments to XXXX different locations and I did til they were paid off but it was a kinda flimflam because I never knew what the bills were for or if valid. Today I get a letter from one of those agencies AMCOL but never got a bill and I was caught up. I strongly suspect fraud. Trying to call these people is useless and impossible to resolve anything. If they have XXXX non collection account that I can make payments we should all be happy but these people won't do it. I am willing and able to make payments, all the extreme difficulty comes from these related companies. When I saw this letter I've had it with their scams and need help. Should I contact the AIG? 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: VA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I.C. System, INC. has used illegal and immoral practices to attempt to collect questionable debt from me. I.C System has called me multiple times, There is no physical signature or agreement with the collection company. Agreement was not with said company, with no knowledge of the amounts given by this unknown company. It is illegal for them to collect on an increased amount or any amount not owed to them with no physical orginial paperwork or signature. No wet signature was given to I. C System. I ask that they immediately cease all calls and harassment or legal action will be taken. This account 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 2022-05-17
Company: Park Hill Holdings
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: Public record information inaccurate

Complaint:
I submitted an application for a lease through XXXX XXXX XXXX, XXXX and my application was denied. Confused, I looked further into the matter and found that CoreLogic, LLC is reporting 4 evictions and an open judgement from 2018 on my profile.

As instructed by CoreLogic, LLC, I obtained all records from the Clerk of Courts for XXXX XXXX who confirmed there are no open judgements against me and the one record they had was dismissed. 

The clerk provided a copy of all records they have for my name and notarized it with the Court 's Seal to prove authenticity. 

I provided this information to both the leasing agent and CoreLogic to no avail. XXXX, a Supervisor for CoreLogic, assured me that he was escalating this matter with their internal team. He stated this matter would be resolved Friday, XX/XX/XXXX. 

I called back today and he is attempting to challenge the authenticity of the documents provided by XXXX XXXX XXXX. 

XXXX of CoreLogic shared that they handled 98 % of all rental applications. My current lease is up XX/XX/XXXX. This clear violation of the FCRA Act is barring me from securing shelter for my family. 

I want to pursue this matter to the fullest extent of the law. CoreLogic, LLC is currently under litigation regarding this very same issue. CoreLogic needs to be held accountable or to the same standard as the big 3 credit bureaus. If they are going to report information that determines someones creditworthiness or approval, they should be providing the most accurate information and have a system established for verification. 

I went so far as to provide the link to the XXXX XXXX Court where they can search for my name and pull up any records associated with my name. They have refused. This has not been an issue for me since the Judge dismissed the case but it's coming up now.

CoreLogic has refused to remove this negative reporting from whatever profile the are illegally associating with my 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 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
An item has been furnished to my Consumer Report without my consent on XX/XX/2023. This is an initial notification to XXXX XXXX  XXXX. Account # XXXX for not providing me with Pursuant 15 USC 6802 ( b ) as a consumer which give me the right to " OPT-OUT ''. They have committed not only fraud but, identity theft on behalf. I was never issued 3 disclosures in regard to any privacy notice of protecting my non-public personal information at consummation. It also violates Gramm-Leach Bliley for failure to safeguard my personal information & negligence on their behalf. Sharing my information with non-affiliated third parties/companies without my consent is identity theft. 
TransUnion, XXXX, XXXX are non-affiliated third companies & an invasion of my right to privacy

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 2023-05-16
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
As yesterday XX/XX/2023 I was abruptly shown to have had my credit limit dropped from one of my Amex XXXX to XXXX and my XXXX card XXXX to XXXX for no reason I have made all my payments on time never late. I have my income that hasnt changed have had no job changes. As well I have been waiting for my other incomes coming so my balances were high for few months taking care of my wives medical on my cards and gifts while taking care of my small business affairs but nothing to warrant this behavior. Buy doing this it increases my credit usage above my keeping it below 50 % now it will be way over causing my score to be dramatically impacted for no reason. Would like to have this reversed please before dramatic effects take place. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: TX
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX  Account # XXXX Because I can't seem to find any please provide proof that I've ever been late on a payment to this account. In the event that you are unable to produce evidence of a late payment, you need to change the status to paid on time every time ( s ). 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 

They claim to never get payment in XXXX but I got a statement proving the received

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 2023-09-08
Company: U.S. BANCORP
State: CA
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:
On XXXX XXXX I had got a deposit of XXXX dollars from XXXX XXXX and us bank went into my account and deducted with out my consent and lost the funds with no proof as where the funds are they just stole the money out of my account.

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 2022-11-11
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act utility company XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX has violated my rights. 

15U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I have tried to explain to the companies that I have been a victim of identity theft and these accounts can not be reported to the credit bureaus because they are inaccurate, I have not received any response from XXXX, and I am not able to get any help from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX was sold to XXXX and are reported the same old loans multiple times on all three credit bureaus XXXX, Trans union, XXXX as open. There is currently a legal action taken for fraudulent activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I purchased a used car with my girlfriend and received a loan in XXXX of 2017 from XXXX XXXX. After doing some research I realized that this company is a loan shark and has totally taken advantage of me. They charged me exuberant fees for a car that was practically useless. It broke down and fee 's were never explained to me properly. Either way. this company is refusing to acknowledge the fact that I'm challenging information on my credit report with them. They even keep returning the mail that I have sent to them! I am using the address that is listed on the credit report. I've also explained this to the XXXX major credit bureaus. XXXX, XXXX and Transunion are still reporting this account and all of the derogatoriness. 

There are so many inconsistencies with this account. Nothing makes sense and they refuse to send me the information so that I can even see if what they did or are doing is legal! 

For example, Transunion and XXXX shows the balance on this account as {$22000.00} and XXXX shows the balance as XXXX. Now how can this be? But on my girlfriends credit report, Transunion shows a balance of something different! 

It's only one or the other, how can there be XXXX different balances on the same joint account? I dont ' even know what they sold the car for or applied to my account. I have no idea when the car was even sold at auction, or if it even was? 

I don't know what else to do in this situation. Please help! 

I'm attaching screenshots of my credit report, as well as letters that I've sent to them that have been returned!

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 2022-11-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/2022, I sent out certified mail letters to each XXXX XXXX XXXX regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. These late payments need to be removed because XXXX is reporting me being 30 days late in XX/XX/2022 but Experian and XXXX are reporting I paid on time. 
XXXX Account XXXX : XXXX XXXX. These late payments need to be removed because you are reporting me being 30 days late in XX/XX/2022 but Experian and XXXX are reporting I paid on time. 
XXXX Account XXXX : XXXX XXXX. Remove these late payments because I was never 30 days late in XX/XX/2022. I was only 27 days late. 
XXXX Account XXXX : XXXX XXXX. Remove these late payments because I was never 30 days late in XX/XX/2022. I was only 27 days late. 
XXXX Account XXXX : XXXX They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. 

Please delete these items from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26
Company: Experian Information Solutions Inc.
State: IL
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 summited disputes on four companies, XXXX XXXX XXXX, XXXX Card, XXXX, and XXXX XXXX XXXX XXXX. The dates that they were summited is as follow, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20. I asked for the original copies of the contract on file with my signed signature. They are required by law to have these documents on file to verify this information. They had stated they verified these accounts. I want to know who verified these accounts? They also failed to provide the method of verification I had requested. If they can not provide these 3 items, I'm asking for both items to be deleted, as well as, {$1000.00} per item. I believe the law has been broken.

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