BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: T.S. Holdings
State: DC
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a follow up complaint/dispute for XXXX. 

Dispute Regarding Inaccurate Information Reported by IQ Data International Inc Hello, I am writing to dispute the information reported by IQ Data International Inc on my credit report. It has come to my attention that the account information provided by your agency does not match my financial history. Specifically, all three credit bureaus are reporting conflicting details about the type of account in question. 
While one credit bureau asserts that this account is a joint one, XXXX has indicated that it is an individual account. I want to clarify that I have never engaged in any business transactions with IQ Data International Inc, nor do I owe any such debt as suggested in the report. 
Cease and desist all inaccurate information and I kindly request that you investigate this matter thoroughly and remove any inaccurate information from my credit report. It is imperative that my credit history accurately reflects my financial standing, and I believe this discrepancy is a result of an error in reporting. 
Please provide me with the necessary steps to rectify this situation and ensure the removal of this erroneous entry from my credit report as soon as possible. Your prompt attention to this matter is greatly appreciated. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hey good day for the past weeks I have trouble getting a loan due to XXXX  days late payment on my credit report ; I am requesting a goodwill if yall can kindly remove this from my credit report due to my consistent on time payment for the last 5 months or if its possible you delete this account from my credit report this is tradeline : XXXX XXXX XXXX  an installment loan Account number : XXXX it is a credit builder account. Late payments were XX/XX/XXXX and XX/XX/XXXX. 

Thanks in advance

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 2021-04-08
Company: JPMORGAN CHASE & CO.
State: SC
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:
I have an incorrect item on my XXXX XXXX XXXX report. The incorrect item is from XX/XX/XXXX which states that my Chase Bank account ( # XXXX ) was closed due to " Account Abuse '' and that there was a principal loss of " {$1900.00} ''. These are both false. I disputed this already with Chase back in XXXX when they made this claim. I never made an ATM withdrawal from my Chase account on XX/XX/XXXX for {$2000.00} XXXX nor any other amount ), nor did I make any other withdrawals from my account ( check or ACH ) that would have resulted in this debit. I did not cause a principal loss nor did I abuse the account in any way. I also disputed it with XXXX XXXX XXXX in XX/XX/XXXX. However, XXXX XXXX XXXX admitted that they only contacted XXXX XXXX who erroneously confirmed it XXXX, and did not actually investigate the dispute in detail. Specifically, they failed to verify that the letter sent by Chase on XX/XX/XXXX is false. Therefore, both Chase Bank and XXXX have failed to follow the Fair Credit Reporting Act and are in violation thereof. This is directly causing my to be unable to open bank accounts because the XXXX  report lists this item and banks are denying me basic checking accounts as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 Identity was compromised by XXXX XXXX XXXX here Is proof and someone has been pulling my credit without my permission. Please take a look into this problem for me. 
I was a victim of Identity theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove anu accounts opened without my knowledge, consent, or authority. Also in addition to section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Inquiries XXXX XXXX XXXXXXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX Requested On XX/XX/XXXX XXXXXXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX  via XXXX  Requested On XX/XX/XXXX XXXX XXXX via XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX XXXXXXXX Requested On XX/XX/XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX Requested On XXXX/XXXX/XXXX Employers XXXX XXXX  Occupation XXXX  Date Hired XX/XX/XXXX Personal information XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone Numbers Phone Number ( XXXX ) XXXX Phone Number ( 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 2021-01-14
Company: LEXISNEXIS
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:
On XX/XX/2020 I sent LexisNexis a letter asking them for their method of verification for a bankruptcy account in which XXXX and XXXX  stated they verified this information about me from LexisNexis. On XX/XX/2020, I spoke with one of their customer service representatives who stated this was verified through the court. I then sent LexisNexis a letter on XX/XX/2020 asking them to remove this bankruptcy from my record. I included a letter from the court stating the court DOES NOT provide any communication with any credit reporting agency. According to the FCRA, they must request verification from the ORIGINAL CREDITOR. In compliance with the FCRA 15 U.S.C section 1681 et seq, they have failed to verify this information within the required timeframe as outlined by the FCRA and I ask that they subsequently remove this record from my LexisNexis report. According to the bankruptcy court whom is the original creditor they DO NOT provide this information to LexisNexis. Because LexisNexis is unable to verify this information I request that XXXX  and XXXX  delete this information from my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: CURO Intermediate Holdings
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This collection agency named Ad Astra Recovery put an collection on my credit report back in XX/XX/XXXX. I have never done business with this company and they are asking me for an amount of {$330.00}. I told them to delete this collection from all 3 credit bureaus but they chose to just send me an inaccurate contract. From XXXX  XXXX-XXXX  XXXX  Ad Astra Recovery was reporting to all the 3 credit bureaus of an amount of {$330.00}, then in XX/XX/XXXX this amount when up to {$330.00} owed on all 3 credit bureaus and also reporting as an open account on XXXX and XXXX  and closed on XXXX. which proves this collection accounts are open when they should be closed and Ad Astra Recovery is adding interest to an closed and inaccurate account. The account number on the contract and credit report are different : XXXX on my credit report vs XXXX on this contract Ad Astra Recovery sent me. Also on the open end loan history They do not even have my full address which is being reported on my credit report with XXXX report which I had to call to dispute for an second address reporting on that report. XXXX told me I couldnt delete a couple old addresses on my credit report because there are accounts connecting to that address. This inaccurate account is one of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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: Account information incorrect

Complaint:
Hello. I sent out the dispute letters to all 3 major bureaus on XX/XX/XXXX. They have incorrect info and have shared my information without my written consent. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 a. I have the right to privacy 15 U.S.C 1681 section 604 a. section 2 states consumer reporting agency can not furnish an account w/o my written consent/instructions. ( I have given no such consent/instructions ) 15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency can make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) also Account Name : XXXX XXXX  Account Number : XXXX Account Type : Credit card Date Opened : [ XXXX says : XX/XX/XXXX ] [ Experian says : XX/XX/XXXX ] Date last active : [ XXXX says : XX/XX/XXXX ] [ Experian says : XX/XX/XXXX ] Balance : {$200.00} Status : Closed I believe this information is inaccurate because the dates ect., each bureau is showing are ifferent. Account Name : XXXX  XXXX XXXX  Account Number : XXXX Account Type : Credit card Date Opened : XX/XX/XXXX Date last active : [ XXXX says : XX/XX/XXXX ] [ Experian says : XX/XX/XXXX ] Balance : {$890.00} Status : Closed I believe this information is inaccurate because the dates etc., each bureau is showing are different. I have attached copies of the following documents to support my dispute : A copy of highlighted errors/differences A copy of my ID and social security card Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : Credit card Date Opened : [ XXXX says : XX/XX/XXXX ] [ Experian says : XX/XX/XXXX ] Date last active : Balance : {$530.00} Status : Closed I believe this information is inaccurate because the dates, etc. each bureau is showing are different. And according to 15 USC 1681 ( a ) ( 2 ) : ALL LATE PAYMENTS ARE ILLEGAL TO BE REPORTED ON MY REPORT!! I demand that ALL LATE PAYMENT TRANSACTIONS BE REMOVED FROM MY CONSUMER REPORT. According to the consumer protection law, consumer reporting agencies must correct or delete inaccurate, incomplete, unauthorized or unverifiable information. Inaccurate, incomplete, or unverifiable information must be corrected or removed. I have requested the following documents regarding these ACCOUNTS : *Pay off disclosure * Interest rate disclosure *Balance history *Payment history *Credit insurance *Original contract

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 2023-05-01
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have contacted XXXX XXXX after the last response for the CFPB and I could not get anyone to respond to the offers stated in the previous complaints. Several months have passed and they have pursued a garnishment of my wages after attempting to settle the matter outside of court in numerous ways. I have been forced to discuss XXXX  XXXX options to aviod being garnished. I was told on XX/XX/23 that they will accept XXXX to settle, I am seeking assistance to resolve this matter with XXXX XXXX. I called several days in a row after the last coorespondence and no one would take my call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA 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 2023-05-01
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: Information belongs to someone else

Complaint:
Someone try to open many the credit card under my name. 
And balance past due XXXXXXXX XXXX is more than 30 day on XXXX, XXXX effect to my credit score go from XXXX score down XXXX. 
Multiple credit card inquiry happened since XX/XX/XXXX till now including XXXX XXXX  XXXX  XXXX, XXXX. 
Most of the inquiry is credit card inquiry.

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 2015-12-15
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
my mother had an equity loan with suntrust bank which at the time me and my wife co sighed for with her payments we always being paid my mom passed away we continued to pay my wife was in a car wreck which put her out of work we owned another house that we sold split the money up to catch up on payments went to suntrust to make payment the teller refused it said they turned it over to collections they said it is now a mortage i tried to work with them for a loan modification after months they refused said even if i paid the rears to catch up they show no records where we co sighed also paymet would go from {$400.00} per month to {$1200.00} i had to send moms death certificate and show i was in charge of her estate i am on XXXX and this loan is not the first mortgage i am trying to keep my home and put both loans together seems like i can not find any help i really want to keep our home

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

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 2017-12-21
Company: Sierra Holdings LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My name is XXXX XXXX. The XXXX XXXX was towed by the city of New York. I had to pay the tickets so I could not continue to make the monthly payments. XXXX XXXX finance got the car from the XXXX, and when I tried to take the car back and to make payments, the customer service tech refused to lower the fees and deposits in order for me to get the car back. If you look at my payment history, it will show payments for about a year. Therefore, I would the account to be removed from my credit reports immediately. 

SS # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.Code 1681 section 602 A.- States I have the right to privacy.

15 U.S.Code 1681 section 604 A. Subsection 2- States a consumer reporting agency can not furnish an account without my written instructions and consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: EQUIFAX, 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:
XXXX XXXX XXXX is reporting an {$85.00} debt the falls under the fair credit reporting act and it is under {$500.00} And under the fair credit reporting act should be removed from my credit files, And XXXX XXXX XXXX has used unlawful HIPAA violation documents to validate discount in the first place this account shouldve been deleted a long time ago

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Winklevoss Exchange LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I attempted to reopen my Gemini Account to try and sell my crypto holdings as the price had gone up. I emailed gemini to reopen my account and they replied back asking for a selfie holding my drivers license as well as a note with a particular set of numbers to verify that it was me reopening the account. 

I complied and sent over what was requested. 

On XXXX Gemini replied back to the support email Ticket ID : XXXX stating that my account would be closed stating no reason and that I would have 5 days to sell my holdings and withdraw my funds. 

Scared to not be able to sell, I sent my crypto holdings from my trust wallet over to Gemini wallet to sell. The deposit was successful and I was able to trade my holdings to USD. 

After trying to withdraw my USD funds to my linked bank account I received an error message asking me to withdraw {$8.00} to a XXXX XXXX checking account and {$710.00} to a chase checking account I no longer had opened. 

These two checking accounts have been closed and unlinked from Gemini for years. The XXXX XXXX was closed in XX/XX/XXXX and the chase in XX/XX/XXXX. 

I then replied to the support email requesting help and stating that the accounts had been closed. 

Gemini then requested proof of closure : Please upload signed documentation from both banking institutions ( XXXX and XXXX XXXX ) confirming the bank accounts are closed via a secured link. 

I went to XXXX XXXX as well as chase and they provided final bank statements where it clearly shows that the accounts are closed. Both XXXX XXXX and XXXX stated that they could not provide anything other than the statements as proof of closure. 

I complied with Geminis request for account closure verifications and sent them over via the secured link. Im this was all on XX/XX/XXXX I had not heard from Gemini for the past few days until today XX/XX/XXXX. Let me remind you that I was only given 5 days to have all my funds removed from the account before closure. 

Today XX/XX/XXXX Gemini finally replied to my email now asking for me to : Please reach out to my banking institutions to have them sign and stamp my statements. 

Both banks have stated that all they could provide is the final statements and I have reiterated that to Gemini. 

My funds continue to be stuck in my Gemini account without any other options or resolutions from them.

Company response to consumer: Closed with explanation