BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-02
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: Problem with personal statement of dispute

Complaint:
I am trying to file online dispute today XX/XX/XXXX with my equifax.com account about a merchant that falsely put a collection on my account from XXXX XXXX XXXX for XXXX XXXX XXXX in XXXX XXXX, Ca. ; as they were not authorized to do certain repairs but did without authorization from the insurance company or me. I was left to pay my portion of the bill, which I did and left a balance with the insurance company that they tried to put on me. I previously disputed it with experian in OXX/XX/XXXX and it was deleted from my account. Now I am currently trying to dispute it with equifax, equifax online system first said I can not because I have already disputed it, which I have not. Then I tried to login to my equifax account again later and the page goes nowhere and just hangs or says login is not available at this time. Then I use a different browser and it starts to work until I put my personal information in then it does the same thing connection lost. At the same time as I do these activities online someone in my building slams a door every time, so it appears my activity is being monitored by someone else/hacker in my location. Also on my phone it does the same thing, which I have reported to the FCC about this and have a report number. Additionally, I have contacted the local police about retaliatory theft ( and harassment by this merchant and people in my neghborhood ) off my vehicle/ home after I began disputing these charges, but I believe the police is also in on the people stealing or allowing people in the XXXX XXXX of XXXX XXXX to assualt me.I don't understand how they would let this happen either as I am a Federal Government employee and a military veteran as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: FL
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 am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Please investigate and remove this fraudulent inquiries. From XXXX XXXX XXXX. I have not applied for anything because I'm in a home buying process. Pleaseremove immediately as it can affect my home purchase. 

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 2023-04-19
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
There have now been multiple times I send my payment on time, then I have a late fee posted and my payment is not posted until 72 hours later. 

I have had to watch my statements and call in SEVERAL times to their customer service line to have them fix the issue. In the past they have waived it but theyre now claiming they unable to. They are instructing you to pay the bill 7 days early, effectively making the due date of the payment earlier than it is. I have mailed my payments prior to the due date every-time but they wait to process the payment until after the due date and want me to be responsible for their inability to do their job in a timely manner. 

I find their delays in processing the payments intentional and predatory since they offer the financing interest free they need to scrap up fees in this way.

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 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report XXXX and I discovered an unrecognizable account on my profile from XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX date opened : XXXX amount : {$610.00}

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 2020-12-12
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2018-04-12
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient deceived us disallowing my son to make payments on the loan over the minimum and told him that I could not be removed as the co-signer. Navient told him they could not set up auto payments up out of an account in his name. This has resulted in them reporting late payments without sending me the parent any notice of the delinquency, the account became 90 days past due.. During the life of the loan not one payment came from me or my account ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been a battle going through this and I am writing to delete the only account listed in my file.. I ask that the account be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with CHILDSUPPORT showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX : {$11000.00}

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 2018-04-12
Company: Coinbase, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In XX/XX/XXXX I had several fraudulent transactions from coinbase taken from my checking account which coinbase blamed XXXX  and XXXX said it was coinbase. They were eventually reversed. OnXX/XX/XXXX I tried to buy bitcoin with my debit card and it kept saying charge denied so I left coinbase and went on XXXX  to purchase without problems. Never tried anymore that day to purchase on coinbase. On XX/XX/XXXXI had a {$200.00} charge again on my checking. I thought it was fraud because the transactions kept saying denied so I disputed as I could not get coinbase to answer the phone or my emails. On XX/XX/XXXX I logged into coinbase and it said my account can not buy or sell bitcoin. I emailed right away and was told they would have a resolution in 5 days. Never ever got a response after an additional 5 emails. So let me get this straight, coinbase does fraud on millions of accounts and then after I dispute an unknown charge and my account is closed?? I want my account fixed as I have not done anything wrong. I also XXXX  and hundreds of complaints on XXXX  concerning coinbase. They need to get there act together and stop treating their customers like trash.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/23 I contacted Equifax and XXXX to have them remove all late payments showing on my consumer report because they are negatively impacting my credit. I informed the agencies representatives that I did not authorize this information to be on my report and under FCRA laws 15 USC 1681a paragraph 2 titled exclusions sub chapter ( a ) ( i ) states that transactions are not included in the consumer report. A late payment even though it may be negative is still a form of transactional history therefore this information reporting to my consumer report is a violation of this FCRA law. The representatives told me that they are not responsible for the information being reported and asked if I contacted the companies. I explained to the representatives that I did contact the companies and all of them explained to me that 60 days after an initial report they no longer report any information again and they cant do anything about those transactions showing on my consumer report. This information was given to the representatives by me and I was told that the only thing that can be done is to file a dispute against all transactions. The representatives made the dispute in the system and told me to wait no longer 30 days for the investigation and a decision. The results of the dispute was not in my favor. This is a clear violation of my rights and I would like this issue resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Tulsa Adjustment Bureau
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ReferenceXXXX This debt is not mine. I would like an itemized receipt showing what this debt is for. I have not had any medical procedures recently that I was financially responsible and I believe this debt is supposed to be paid for by XXXX XXXX XXXX Im not sure what this debt is for and would like proof of services to either verify or deny this debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Collins & Hilton Asset Group, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, I was looking through my consumer report and noticed that an account with the account number referenced above was furnished by your company on my consumer reports. This account listed the following company as the creditor as XXXX XXXX XXXX which is now stating that you Collins Asset Group are the creditor. This company is not the creditor and I am putting you on notice that I disagree with this. Pursuant to 15 usc 1692g ( a ) ( 2 ) I am demanding that you provide me with the name of the creditor of this account. Keep in mind that providing me with statements of a credit account does not prove that the company that provided the statements is the creditor. Keep in mind that impersonating a creditor is a federal crime. If you fail to provide the name of the creditor of this account I am demanding you remove this account from my consumer reports. 
Your company shall immediately cease collection of this alleged debt because you no longer have the right to assume it is valid because I am disputing the entire amount. I am demanding that you cease collection, and remove this alleged debt from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I originally started disputing inaccurate items on my credit report on XX/XX/2020 with TransUnion, XXXX, and XXXX. I included documentation showing that I was affected by the XXXX  Data Breach & a victim of identity theft. When I did not hear back in 30 days, I sent another letter on XX/XX/2020 notifying them that they had failed to uphold my rights as a consumer. To date, I still have not received any correspondence regarding these accounts from the bureaus. It has been 6 months.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2023-08-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-04-06
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2012, I settled this account that was a charge sent to collections from XXXX XXXX  to IC Systems. I received a settlement offer and settled it in full. Since they they have changed the amount to show {$98.00}, and it is still affecting my credit score. This needs to be removed immediately and my credit needs to be updated.

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 2020-12-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a dispute letter to the bureaus on XX/XX/2021 and haven't receive a response from them. I think they have 30 days to respond to my disputes. This is unfair. When you call them most of them are not very helpful. This doesn't make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
While checking my credit report I noticed 4 fraudulent hard inquiries that I never made. I noticed 3 hard inquiries from Navy FCU Finance two on XX/XX/2023 and one onXX/XX/2023 and XXXX XXXX XXXX  onXX/XX/2023. I have no knowledge of these hard inquiries and they are the result of identity theft and they must be removed within 4 business days as per the 15 U.S Code 1681c-2. I have file a complaint with the Federal Trade Commission and will attach the report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: GA
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 have identified unauthorized account transactions on my credit report that I do not recognize. The unauthorized transactions have ruined my credit reputation. I have performed my own investigation and have determined that transactions are a result of identity theft. I have completed an identity theft report with the Federal Trade Commission. 

The credit reporting agencies should have taken reasonable procedures to ensure that my nonpublic personal information and other identifying information was not being furnished in error and without proper authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-03-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Portfolio Recovery Associates continues to contact my co-workers at my place of employment and telling them my business. This has happened on different occasions and with different co-worker. They call continually and repeatedly. They call on XXXX XXXX call after the other. they have called a total of XXXX time daily for the last XXXX months. Also they have talked to my co-workers in XX/XX/2022, she did not know the exact date. I really believe that the statue of limitation is up on this debt if its the debt that I am thinking of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Someone has tried to open a Bank of America account in my name. I am unsure of the correct course of action. XXXX searching suggested to come here and open a complaint.

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 2021-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I was approved for a Covid 19 deferral of payment through XX/XX/XXXX. I have an email dated XX/XX/XXXX stating such. My mobile banking app reflected no payment due on XX/XX/XXXX, my due date, until yesterday. I have spent 5 hours trying to straighten this out with representatives giving me misinformation, hanging up on me, being rude, questioning my illness. Bank of America admits that they approved the deferral but will not remove the payment due. Its unconscionable.

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