BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
Company: EQUIFAX, 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:
This is XXXX XXXX and I am submitting this CFPB Complaint to follow up the first CFPB Complaint I submitted requesting the removal and deletion of the fraudulent accounts and information off of my Credit File in accordance with the Fair Credit Reporting Act section 605b. On XXXX XXXX XXXX, I sent a dispute letter with complete atachments of my personal identifying documents with the FTC report I received from the FTC for reporting the fraudulent activities I found on my Credit File. I made research on how to remove the fraudulent items off of my Credit File and found that under the protection of the Fair Credit Reporting Act section 05b, I can request to the Credit Reporting Agencies to conduct an investigation on my Credit file and remove any accounts and information that resulted due to the fraudulent activity. Once again, I am requesting that the Credit Bureaus remove the following items off of my Credit File as soon as possible : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. If the Credit Bureaus find any documents that may support the claims that the disputed items belong to me, I request that the Credit Bureaus send me copies. However, if the Credit Bureaus find no such documents, immediate deletion of the disputed items is to be expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
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: Personal information incorrect

Complaint:
I have tried several times to get transunion to remove inaccurate previous adresses I never used or lived at, attached is a letter of explanation

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 2023-10-07
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Around XX/XX/, I submitted a debt validation request, which was received and acknowledged by someone at the offices of Resurgent Capital.

This address had previously been confirmed through prior correspondence with the company. According to my records, I made the following requests, with a specified deadline of 15 days : 1. Details regarding the amount claimed to be owed by the Respondent. 2. A breakdown explaining the calculation of the said amount. 3. Copies of any documents that demonstrate my agreement to pay the alleged amount. 4. Identification of the original creditor. 5. Confirmation that the account is still within the statute of limitations ( SOL ) period. 6. Proof of your status as a licensed debt collector. 7. Evidence of your license numbers and registered agent. 8. The original contract bearing a wet ink signature. However, despite the aforementioned date, I have not received any communication from your agency or company. As per my notice, if your agency/company fails to respond to this debt validation request within ten ( 10 ) days from the date of receiving my notice and affidavit, I insist that all information related to this account be promptly removed from my credit report. Furthermore, a copy of the deletion request should be sent to me immediately, or I will be left with no choice but to pursue legal action. I strongly demand the removal of this information from my credit report, and if necessary, I will not hesitate to take legal measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
At approximately XXXX and XXXX on XX/XX/21 XXXX ( 3 ) unauthorized transactions were made from my Coinbase account from an unauthorized device. Approximately XXXX XXXX and XXXX XXXX were transferred out of my account using and unauthorized device. Immediately after noticing the unauthorized transactions I contacted Coinbase to notify them of the incident and received XXXX # XXXX at approximately XXXX. I tried calling but no one was available to speak and the following day I was able to call but was told that my account was under review and that I would have to wait until my case was reviewed and I would be notified by email. I was able to get access back to my account after several days of failed attempts but I have no received a resolution for my lost crypto currency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: NV
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 2023-03-27
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
In XX/XX/2022, I contacted a person by the name of XXXX XXXX on an app called XXXX about purchasing a XXXX  Puffer Jacket. We moved our conversation to XXXX, where he sent me photos of the jacket and told me his email address. I paid him XXXX euros + XXXX euros for shipping. 

Two or three weeks later, I go to the post office to pick up the package. As soon as I picked up the package, I could tell there was not a puffer jacket in it. It weighed about 5 ounces. I opened the box and there was a wool liner shirt in the box. I contacted the seller on XXXX, and after about 6 messages he blocked me. 

I immediately filed a claim with Paypal. I thought it would be a simple case -- I had clear and convincing evidence that this person scammed me. I submitted all of my evidence to Paypal, and I paid {$20.00} to ship the wool shirt back to the exact address it was sent from. However, I did not take a picture of the return label -- because the clerk at XXXX typed in the address and affixed the label herself. 

Paypal ultimately denied my claim, despite the fact that I provided a tracking number, because I didn't show the address that I shipped the item to. They explained that the BUYER PROTECTION program is also meant to protect sellers who " accidentally ship the wrong item '' and would be harmed if the purchaser falsely shipped the item back -- which is completely logical... IF THE SELLER ACTUALLY SENT THE ITEM BY MISTAKE. But when the seller clearly ships a wool liner shirt instead of a {$1500.00} XXXX puffer jacket, then BLOCKS THE PURCHASER ON XXXX, it is beyond apparent that the transaction is fraudulent, and Paypal has a duty to its users to diligently and accurately investigate fraud on their platform, which they failed to do here. Paypal 's employees were extremely negligent in investigating this fraud claim and I've been harmed as a result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-25
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:
XX/XX/2021, Transunion is reporting a inaccurate account on my consumer credit report. XXXX XXXX shows the months of XX/XX/2021 ( XXXX ) 60 days late, XX/XX/2021 ( XXXX ) 60 days late, and XX/XX/2021 ( XXXX ) 60 days late. NO CONSUMER CAN BE 60 days late in XXXX month. I have disputed this with the furnisher and Transunion. Transunion is violating the FCRA 15 U.S code 1681. Delete the XXXX XXXX account due to inaccurate reporting. I have attached proof of the inaccurate 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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-04-01
Company: NEW YORK COMMUNITY BANCORP INC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Unfair and Illegal Reporting of Payments History to Credit Bureau Agencies. XXXX Mortgage Payment reported 55 days delinquent. XX/XX/XXXX XXXX of XXXX. XX/XX/XXXX XXXX of {$1300.00}. XX/XX/XXXX XXXX of {$1400.00}. Payments and Partial Payments made within the past 180 days.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2023-05-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and delete it immediately in my report : XXXX Date opened XXXX XXXX, XXXX  Balance : {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I did a balance transfer on 2 of my credit cards via Chase Bank which would allow 0 % interest for 1 year. Turns out they have been charging me interest every month on my balance transfer and any new purchases. Interest should have been charged on new purchases only.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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 XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.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 written instructions violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: JPMORGAN CHASE & CO.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
For the record, I do not have a loan on my XXXX XXXX XXXX, have never had a loan for this vehicle, nor have I ever had a loan with JP Morgan Chase- except for a credit card, which I pay off each month. 

On XX/XX/XXXX, JP Morgan Chase ( XXXX ) stole my car. At XXXX I called the XXXX XXXX County Police, Virginia ( XXXX ) to report my XXXX XXXX XXXX stolen. I was told I can not report it stolen, as Chase Auto Finance repossessed it, and they refused to take a report or review any documentation. I have a clean title issued by the Virginia DMV showing it is my car, and there are no liens against it. 

Background : On XXXX XXXX, XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX of XXXX ( XXXXXXXX XXXX XXXX XXXX, XXXX, VA XXXX ; XXXX ). I purchased it on part credit card ( {$2500.00} ) and with cash from my bank ( $ XXXX which was not a loan or financing from a financial institution ). I have never had a loan with Chase in my entire life. 

I received the title ( attached ) from the Virginia DMV, issued on XXXX XXXX, XXXX. There are no liens against it. I purchased a DMV report from the Virginia DMV on XX/XX/XXXX, also attached, showing that there are no liens against it. The dealership also provided me a report on XX/XX/XXXX showing there are no liens against the car from the XXXX  system ( attached ). However, XXXX 's refuses to provide me a copy of the prior title showing whether there was a lien previously or not. 

Chase has no right to my car as they did not legally perfect the loan making this a lien loss. Chase refuses to provide me any information or talk about the vehicle, as the loan in question is not under my name. The XXXX XXXX County Police provided me the phone number of the tow company, which I found is XXXX XXXXXXXX XXXX XXXX   in XXXX, VA, XXXX. 

The intermediary Chase used to repossess the car is XXXX, XXXX. 

Note : I wrote VOID on my title to prevent someone from copying it. The title is current and in my possession.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-07
Company: EQUIFAX, 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX  Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$550.00} XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit 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

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 2018-08-28
Company: Allied Collection Services, Inc. (Nevada)
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a XXXX account that fell into collections for the amount of {$2100.00} due to a family tragedy. The original collection agency is Allied Collection Services located in XXXX XXXX. Allied Collection Services transferred or sold this debt to XXXX XXXX. 

I am currently working with XXXX XXXX to settle the debt. However, Allied is still reporting the transferred/sold debt to all three credit bureaus as if I still owe them the money. XXXX is also reporting the debt to all three credit bureaus. Therefore, I have ONE debt listed TWICE on my credit. 

I sent Allied a request to verify the amount owed. They did not respond. I sent XXXX XXXX a request to verify the amount owed. They responded and I am currently working with them to settle the debt. At this time I am requesting that Allied Collection Service delete the collection account listed under my social security number from all three credit bureaus, so I may continue working on an amicable solution with 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 2019-03-25
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I was in the process with a wire transfer {$75.00} via the CashApp, the app allows you to send money to a person in your contact either by phone number, name, or the profile name created.

My friends profile did not populate but another person did who is not in my profile, and the funds was captured by a person with a profile name " XXXX '' This is not my friend and upon the funds being captured I sent this person a message to decline this money transfer, I emailed the Cashapp and they advised once the money has transferred even if I didn't authorize it, they can not refund me back and I will have to reach out to my bank.

I spoke with my bank they cancelled my card and a full dispute. However Cashapp petitioned my dispute stating that I authorized it therefore my bank which is XXXXt XXXX XXXX re-couped my {$75.00} from my account. My bank gave me the phone number of the person who captured my money and this person I do not know. The phone number does not exist in my phone and I did attempt to call the number and it has got un-answered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief