BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-26
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021I sent a letter regarding incomplete and inaccurate information on my credit report. Reporting a public record which is a violation of 15 USC 1681 ( 4 ) on my credit report which states. There is a need to ensure that the consumer reporting agencies exercise their grave responsibilties with fairness, impartiality, and respect for the consumer 's right to privacy. This is a violation of my privacy as I did not grant them permission to place this item on my credit report and I insist that it be removed, for it is doing severe damage to credit and requested their method of verification. The credit bureau did not go beyond the original source and responded with an electronic response. third party response of information from the data furnisher only to " verify '' the accuracy of this disputed items. I requested the actual court document and other information that I did not receive. I feel like I am being taken advantage of and my FCRA rights are being disregarded and I am not having it. Section ( a ) it plainly I demand this account be deleted immediately or I will file litigation due to stress they caused me and for the violation which is {$1000.00} per each violation, try me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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: Investigation took more than 30 days

Complaint:
Previously submitted a dispute of late payments from XXXX XXXX and XXXX XXXX along with a dispute of alleged account with XXXX. 

The dispute were submitted to all three major reporting agencies andno response was received from any of the agencies. The disregarding of the disputes automatically has grounds for the removal of errors that has been failed to validate within the allotted time.

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 2023-04-10
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2021 I made dispute of about XXXX twice in same month. XXXX XXXX paid for my return flight and told me to go bank the bank reimburse me for one disput but not other equaling {$4000.00}. Now the fraud department has restricted me from debit card use and I glued with ftc to prove identity theft. I need a debit card and my account is never negative and have proof. 
They also will not let me open a business account from an issue 30 years ago and I ask to dispute I cant and I have no paper work. I feel Im in good standing and should have a debit card and he allowed to open business account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
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: Was not notified of investigation status or results

Complaint:
I have tried numerous times to get this alleged debt/ accounts verified in the standards following FCRA. I have filed Disputes almost every 30-45 days because Experian has failed to adhere to the laws of FCRA. All Experian says is its " verified and updated ''. I sent additional letters requesting documents that prove how they verified it and who they spoke with. But no response to those letters. As according to section 611 in FCRA, as taken a part of my letter, " by the provisions of the Fair Credit Reporting Act, Section 611, I demand that these items indicated be investigated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. I understand that under 15 U.S.C. Sec 1681g, I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 

With asking this information Experian sends me these kind of responses that say, " Unless you send us additional relevant information to support your claim, we will not re-investigate this information again. My additional information is this document asking for proof in how Experian verified these these two accounts ( XXXX XXXX and 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 2023-07-21
Company: Experian Information Solutions Inc.
State: MA
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 acXXXX XXXX XXXX XXXX XXXX account # 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 a account without my written instructions 15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED XXXX 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY

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 2019-05-25
Company: EQUIFAX, 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 am a victim of Identity theft, yet I am having a hard time getting the CRA 's to honor my dispute. My FTC ID Theft Affidavit attached. Please block the Fraudulent accounts listed to the attached, per 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30
Company: Paypal Holdings, Inc
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I was notified by PayPal, via email that my account would be permanently limited and that If you have money in your PayPal balance, well hold the money for up to 180 days. After that period, well email you with information on how to access your funds. On, XX/XX/XXXX I received and email that they had reversed a credit of {$1100.00}, essentially stealing my money. Upon contacting them they give no answers to why, just that I have violated terms. No specific terms are pointed out and when led to read the terms again I can not find any terms that I have violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 a account without my written instructions. 

also states a consumer reporting agency can not furnish a account without my written instructions. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-04-24
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:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries, nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC. Please see the attached FTC Report and remove the unauthorized inquiries from 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 non-monetary relief
Consumer complaint received 2023-04-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We entered into a real estate contract and part of selling the property is obtaining any liens and or financial issues from Citizens mortgage company. 

On the following days XXXX XXXX XXXX  and myself called Citizens mortgage : XX/XX/XXXX, a few times in XXXX, XXXX ( my self ) on XXXX and XX/XX/XXXX ( both title company and I called ) Then we called on XXXX way. 

Each time I called I was made to feel like incompetent and it was done several times to be reminded of my late mortgage, as if I didnt know it already on the same call. 


I was told along with the title company that the information was faxed or would be faxed but we still havent received it. Many times the agency had conflicting responses about there policies and procedures when getting information to a client. 

Im disappointed because the entities lack of professionalism has cost me XXXX to XXXX. 
I was last promised the document would be sent to me on XXXX XX/XX/XXXX and today is XX/XX/XXXX and still no Payoff document. Which every day I am losing the opportunity money and etc. 
You may reach me and the title company anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: AL
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:
Random credit check and find out that my score has gone down because of accounts I have no knowledge of. From places like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX none of these places attached to them I have used ever. I've tried several times to have removed and no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX of XXXX Portfolio Recovery Associates , LLC contacted me via telephone and offered a Settlement Agreement at witch point I agreed with the understanding that the company would mail me a stipulation letter to sign and return to avoid going to court. I have been making monthly payments since XX/XX/XXXX. XXXX XXXX emailed me on XX/XX/XXXX with a letter of confirmation that states I have 24 payments of {$71.00}. After the first two payments I called to inquire about the stipulation letter. On XX/XX/XXXX of XXXX I received a order to appear before the judge in XXXX XXXX Texas on XX/XX/XXXX. I have made numerous phone calls since the court summons was mailed to me more currently in the past two weeks I have called Portfolio Recovery requesting the stipulation letter, a supervisor by the name of XXXX finally agreed to email it to me on XX/XX/XXXX and I sent via USPS the signed stipulation letter back to them where it was signed for on the XXXX. 

I believe they are in direct violation of the Fair Debts Collection Practices Act and are giving me the run around instead of holding up there end of the contact for settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Yes, i received an alert on my credit monitoring service that i had a hard inquiry on my credit report that i didn't authorize. i called the company to see what happened or who tried to apply for a loan in my name. the company name was XXXX XXXX in XXXXXXXX XXXX. i spoke with a lady name XXXX. She said that someone probably has my information and tried to apply for a loan online. i told her numerous times that i didn't apply for any loan online or in person. she told me to dispute it with the credit reporting agencies, which i did and XXXX deleted the inquiry, but Transunion didn't, and they told me to file a report with FTC and CFPB. i never applied for any loan online or in person with XXXX XXXX in 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 2022-08-07
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on XX/XX/XXXX, I fell victim to a multilayered programming operation orchestrated by XXXXt ( the Fraudsters or the Company ). When redirecting to fake mining pools, application should aware client that he leaves app. I supposed that every activity is inside COINBASE WALLET sphere. I never got a message, alert, or notification about hazards. I demand to reverse back my lost funds - XXXX USD. 
I advised Coinbase of this fact on XX/XX/XXXX and I didnt receive any response so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions 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:
This is my 2nd attempt with XXXX, XXXX, and Experian. All 3 Credit Bureaus are reporting incorrect information on ALL Positive and Negative accounts. I have sent 2 letters Certified Mail and these issues are still incorrect. The 3 Credit Bureaus responded the at the dispute has been verified. I had called the Positive and Negative accounts from my credit file, and actually received the CORRECT information. The 3 Credit Bureaus had lied and said they have all been verified.

I know my rights under : 15 U.S.C. 1681 Section 602 A. I have the right to Privacy 15 U.S.C. 1681 Section 604 A. A consumer reporting agency can not furnish an account without my written instructions.

The open dates are still inaccurate, the date last active is still inaccurate, and the date last reported is inaccurate. This is grounds for removal and the 3 Credit Bureaus violated my rights.

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am trying to buy a house, and there is inaccurate information on my credit report, which is defamation to my character and livelihood. Per the FCRA, Section 623 the accounts that have been charged off should not still be reported as such on my credit report. I have attached the accounts that are reporting incorrectly. 
With these accounts, they are also all reporting multiple different dates of the last activity, which I have highlighted in the attached documentation, there are a total of 5 accounts that are reporting inaccurate for both of these issues.

Per 15 U.S.C 1681 there should not be any damages 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 non-monetary relief
Consumer complaint received 2023-07-21
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:
I need to inform you I was the victim of identity theft. I'm disputing the items as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the items. They were opened without my knowledge, authority or consent. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX & XXXX XXXX XXXX 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 2022-03-28
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was incarcerated for fifteen years and got out and seen someone had lived under my name while I was gone, I reported fraud and identity theft at that time then went to a lawyer because no one would fix the problem, and the lawyer I called advised me to file bankruptcy and that would get these fraudulent items off my credit report but the lawyer was giving me false information just to get me to pay him XXXX XXXX dollars and lied to me because none of the fraud accounts have been removed off my credit report, Ive been fighting this for years and no one seems to care about the facts that I was in federal custody till 2018 and all the accounts were open many years before that year.

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 2022-02-18
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:
I XXXX XXXX have a collection from XXXX collections agency. 

I do not owe this company any money. They bought a old debt that does not belong to me. 

I already requested XXXX to remove off my credit report. Which it was remove from XXXX  and XXXX. But transunion has not removed

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 2023-07-31
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:
I am not liable for any inquires reported on my credit report nor did i authorize any of these accounts which added inquiries to my credit report. The following accounts stated, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022. I do not have a contract with any of the above named companies and they did not provide the contract as I requested because they do not have one yet the credit bureaus has not removed these inquiries from my credit file.

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