BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-30
Company: SinglePoint GI
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I regularly check my credit reports and noticed that XXXX is now reporting a debt that is over 15 years old with the last activity on the account in XXXX. I previously had to dispute this debt when the previous collection agency tried to add it to my credit reports in XXXX, when it was already over nine years past the credit reporting limit. 
A new collection agency, General Revenue Corporation, apparently purchased the account and is illegally trying to " re-age '' the debt, stating that it is four months old, rather than more than 15 years old. No date of last payment, date of last activity, or other pertinent information is included-just an amount and the illegally " re-aged '' date of four months ago, even though the account is older than 15 years ( well over the 7.5-year credit reporting limit ). 
I'm not sure how or why XXXX allowed this, but I am submitting this complaint in order to get them to immediately remove this illegally re-aged account. I am currently in the process of applying for a mortgage and my XXXX credit report shows a soft inquiry from General Revenue Corporation within the last month. I'm assuming they are trying to re-age the debt in hopes that I am not familiar with the laws and using this scare tactic to try to force payment of an illegally re-aged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax does not report information in a timely manner. In the month of XX/XX/2023, they have XXXX XXXX  on my consumer report ( credit report ). So, this means they providing false information to any person that looks at my consumer report. This has to be against the Fair Credit Act. They are supposed to get the consumer report accurate and fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
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 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. 
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 2023-12-08
Company: CHARLES SCHWAB CORPORATION, THE
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Charles Schwab had someone call me regarding the complaint I filed they asked me questions and I answered honestly they asked me if I received a phone notification for my money to be drawn out I stated I did not receive anything and did not authorize anything this bank is very unprofessional and Im very disappointed in their actions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX : {$5100.00} ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX  XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022.

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 2021-07-18
Company: LEXISNEXIS
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I contacted XXXX to find out why my insurance rates increased. I was told that the increase was the result of information contained in LexisNexis report. I was instructed that a report could be downloaded from their site for me and my spouse. I submitted my requests via their site and was sent notification by mail to access my information with certain required PINs. The information and PINs received were for both myself and my spouse. We attempted to login using the provided information/PINs and no luck. 
I attempted to contact LexisNexis via phone in XX/XX/2021 but had zero success. I emailed LexisNexis originally on XX/XX/XXXX and a follow-up email was sent XX/XX/XXXX with zero response from the company. I submitted a XXXX XXXX XXXX  complain on XX/XX/2021 and have heard no response from the company. 
I have not received any correspondence from LexisNexis on what they reported to cause increase in my insurance premiums.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is my second complaint for this card. I closed this card on XXXX due to fraud. On XX/XX/XXXX my card was charged XXXX separate times. Plus an interest charged resulting in {$3400.00}. This has caused my credit to drop again. I'm so fed up with this company my next step will be a lawyer. This company is ruining my credit!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-03
Company: SANTANDER HOLDINGS USA, 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 cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: WI
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:
On or around XX/XX/2021 a fraudulent secured loan was opened in my name at XXXX XXXX XXXX XXXX. I have made several attempts to resolve this matter but this bank continues to report this fraudulent account to the credit agencies.

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 2023-11-24
Company: EQUIFAX, INC.
State: NY
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:
This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-30
Company: Coinbase, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I purchased XXXX XXXX XXXX Coinbase at XXXX per XXXX. A few days later I noticed that Coinbase was locking up purchases and sales of XXXX. Remembering XXXX XXXX theft in XXXX concerning other securities, I decided to record video and picture evidence that my purchases had been made, and that I had received the correct amount of XXXX. I also downloaded a report ( essentially a receipt of transaction ) from Coinbase, which also backs up the purchase I made. 

Days later the amount of XXXX in my account was reduced to XXXX. I was given no notice of this happening. It was also at this time that I noticed I could not make any sales through my account, but I could still make purchases ( which seems fishy at best, and fraudulent at worse ). I attempted to contact Coinbase, however they did not immediately respond, and so I also filed complaints to multiple regulatory agencies. 

Recently they did respond to me and tried to claim that it was a display error. This is not true, as I was given a receipt which stated I purchased XXXX XXXX  at XXXX per XXXX. A display issue would not have registered in the report. I still am not allowed to make sales through Coinbase, only purchases. What is the point of purchasing XXXX on an exchange when you are then cut off from selling said crypto? This is fraudulent behavior. I have already lost out on multiple profit opportunities due to Coinbase 's fraudulent behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-22
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My Amex optima credit card has been closed by them its not fair when Im a loyal customer they refuse to reopen and closed it without letting me know this account was established to build my credit relationship with them again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, 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 status incorrect

Complaint:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected rights under15 U.S.C. XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX. account. # XXXX In accordance with the fair credit act and XXXX  account # XXXX and # 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 .In accordance with the fair credit reporting act my rights have been violated and I want these accounts removed not posted as closed REMOVED!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute the inaccurate information regarding late payments on my credit report. After a recent review of my credit history, I discovered discrepancies that do not accurately reflect my payment behavior. Specifically, the late payment information associated with the following account : XXXX XXXXXXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have always been a responsible and diligent payer, and any instances of delayed payments have been promptly settled upon discovery. It is disheartening to see that my credit report is currently reflecting late payment information that is not representative of my true creditworthiness. 
I kindly request a thorough investigation into the accuracy of the late payment information associated with the mentioned account. I believe that there XXXX have been an error in reporting, and I am confident that a closer examination will reveal my consistent track record of timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to dispute the inclusion of this XXXX on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this XXXX should not be reported to you. Furthermore, the involvement of an unauthorized XXXX party adds to the absurdity of this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2023-12-06
Company: EQUIFAX, INC.
State: AR
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:
I am writing to formally register a complaint regarding what appears to be many numerous attempts to remove fraudulent items from my credit report. I have observed multiple suspicious activities that suggest a potential compromise of my credit information, and I am deeply concerned about the integrity and accuracy of my credit file. 

Despite these removal attempts, I have not been contacted by your agency for verification purposes. It is disconcerting that such significant changes to my credit report have been initiated without proper authentication. 

Given the nature of these activities, I am highly alarmed about the possibility of identity theft. I have taken steps to secure my personal information, and I expect your agency to investigate these matters thoroughly. 

I kindly request that you initiate an immediate and comprehensive investigation into these incidents. Additionally, I would appreciate regular updates on the progress of the investigation, including any findings and actions taken to rectify the situation. 

To assist with your investigation, I have attached relevant documents. 

I understand the importance of maintaining accurate and secure credit information, and I trust that your agency will take the necessary steps to address this matter promptly. I am also prepared to take further legal action if the issue persists without resolution. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$4100.00} XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} XXXX XXXX XXXX  XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4000.00} XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX. XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/23 I lost my wallet, which had my debit card in it. I immediately went to PNC Bank to shut down the debit card and get a new one. I was told the old card was shut down and I would be credited for the {$980.00} purchase that had been made at a nearby XXXX store that day. 
The card was NOT shut down for another 2 weeks, and even tho I reported my wallet lost PNC chose to ignore that and insisted that the card was in my possession at the time of the purchase. They refused to give me back my money, without doing any investigation whatsoever. I still don't have that money, and it's been nearly 2 months. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-12
Company: NCB Management Services Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. They have had 6 months and 3 dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: McCalla Raymer Leibert Pierce, LLC
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Long story short the debt was discharged with a Notice of Presentment signed by me the Creditor. with all of the proper endorsements. XXXX XXXX keep on billing us and 9 months later they sold the alleged debt to MCCALLA RAYMER LEIBERT & PIERCE THEY ATTEMPT WITH THE JUDGE TO MAKE IT STICK BUT We did a Forensic Analyst On the Summons. No one respond it was done Register-Mail. I demand that 3 rd party debt collectors produce sign contract. There is a list of violations commented by the agent of McCalla Raymer Leibert and Pierce XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter 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 explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: WI
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:
On XXXX I sent a letter due to inconsistencies and inaccurate information reporting on my account. I specifically requested for the following account to be deleted from my report because it was reporting inaccurately as an " Open account '' When I reviewed my credit report again on XXXX, XXXX, and XXXX. To date, the account still reports incorrectly with an " Open status '' Since then, the creditor noted " Dispute resolved ; reported by grantor '' but nothing has been resolved or updated. This is a violation of my rights as a consumer and my concerns are not being addressed. Please remove the following account from my credit profile per the FCRA 15 U.S. Code 1681 : 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 2023-03-22
Company: Terrill Outsourcing Group
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023, Superlative RM contacted me. There has been over 50 phone calls to my place of work as well. On one occasion I was repeatedly threatened with legal action while attempting to verify the alleged debt. On a separate occasion ( XX/XX/XXXX ) the associate I was attempting to speak with verbally yelled at me repeatedly and would not allow me to ask to verify the debt via writing. When I requested verification he continued to yell and refused to provide verification. They have harassed me both at work and my own business after Ive told them to cease and desist and they continue to contact me without verification of the allegations in writing. This has been ongoing for approximately a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation