BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-23
Company: Nationwide Recovery Systems, Ltd
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: CITY NATIONAL BANK
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of 2018 we completed an application for an unsecured line of credit for {$100000.00}. By XXXX we had pulled out all {$100000.00} and started making payments on it. While getting payments set up with the bank was much more difficult than it needed to be, we did make all of our payments on time for the last 18 months exactly as billed. After 11 months City National emailed me and notified me that I needed to re-apply for the loan or not only would the line be closed, but the full amount would be due immediately. I provided assets over 2.5x the credit line and income supporting a very low DTI , but that wasn't enough. They continued to harass us only via text and email, never mail ( just kept billing us the same amount due ) so we decided, regardless of the resolution, we never wanted to do business with City National Bank and started aggressively paying it down. Over the following 5 months we reduced the balance by over {$50000.00}. On XX/XX/XXXX I received another text message from a person at the bank stating we owe them the rest of the money by XXXX or they will file it with collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
The account was to show a XXXX balance on credit reports and paid in full. It does not. Their pdf was not attached to the complaint or made available to me only the words and nothing as a clickable link to download and view. I need this. They need to report the information to the credit bureaus appropriately.

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 2023-05-23
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 have been a victim of identity theft due to my information being involved in XXXX, XXXX, and Transunion data breaches. I have many unauthorized accounts listed on my reports that are ruining my reputation with the banking system and hurting my chances with getting a mortgage. I also sent in all necessary document evidence and the credit bureaus are willingly infringing on my consumer rights. Not only are the accounts inaccurate but they are being reported without valid evidence.

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 2020-02-25
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I submitted a 609 letter the the 3 main credit bureaus ( Experian, XXXX & XXXX ) and didn't not receive an reply. Its been over 30 days and still haven't received anything nor got any updates.

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 2023-05-19
Company: Experian Information Solutions Inc.
State: NY
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX  XXXX XXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$840.00} DPT EDXXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$0.00}

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 2021-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 do not any of the companies on my inquires I havent done any business with these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are so many inquiries on my report which I dont know because I came new and someone took advantage

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 2021-06-03
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently had a very frustrating and extremely damaging experience with XXXX XXXX Credit Reporting affiliated with XXXX XXXX XXXX XXXX XXXX I feel that I am owed the quick removal of the unjustified derogatory credit reporting information to restore my flawless payment history and loss of XXXX points. 
On XX/XX/2021, I received an email notification from Experian that my credit score had dropped XXXX points. Startled, I log in to find out what had happened. After looking through the reports I found XXXX XXXX  had reported that my XXXX XXXX XXXX XXXX  was over 30 days past due. Given that I have this payment set up automatically, I thought this was impossible. You can review my payment record and verify all payments have been delivered on time until XX/XX/2021 when the automatic payment failed. I immediately went online and brought the account current. 
Communication is a two way process. My issue is that despite being signed up for full automatic email notification as my preferred communication channel, XXXX did not notify me timely about the first missed payment in XXXX. Had XXXX notified me timely that there was a problem with the automatic payment in XXXX, I could have quickly made a payment and restored the automatic payment function and avoided the same issue in XXXX leading to the derogatory report and loss of XXXX FICA points. 
Moreover, XXXX can see that my payment record is flawless except for your unnecessary report. 
I called three different dispute numbers listed on the XXXX website and my card. All these numbers connected my to telephone agents in the XXXX who could not assist me except to advise I mail a complaint. I did send a complaint letter on XX/XX/2021 certified return receipt. I attempted to follow-up through several XXXX numbers but no one had any updates nor could they tell me who to call to get an update. Again, the XXXX Help calls were directed to agents in the XXXX who had absolutely no information nor latitude to assist me.

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 2023-07-27
Company: Experian Information Solutions Inc.
State: NJ
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 have reached out to experian to update information on my credit report tk reflect what zu current for my XXXX XXXX bankruptcy filed on XX/XX/XXXX. Experian has sent and updated the date of removal for serval of my credit accounts. The main one being XXXX XXXX XXXX. The first date of delinquency is as reported and has not changed is XX/XX/XXXX. Therefore, the date of removal of this information from my credit report would be XX/XX/XXXX. Experian completed and ingestion on XX/XX/XXXX updating the account with a removal date of XX/XX/XXXX. This extends the date of last activity date as well as the reporting timeframe is which the account is to legally be reported on my credit. I have tried to have the account update to state that it had been petitioned and included in my XXXX  XXXX bankruptcy.

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 2023-09-14
Company: EQUIFAX, INC.
State: TX
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 2021-10-02
Company: Experian Information Solutions Inc.
State: GA
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 XX/XX/2021, I sent a letter to Experian, XXXX, and XXXX to investigate incorrect information on my account. As a result, they never responded within the 30 days allowed for investigation. 

This is my second letter I am sending to them requesting an investigation on inaccuracies appearing in my credit file. The most recent letter was sent 30 days ago, with no response from your company. I was again requesting that you investigate the accounts listed in the letters. 

Since they did not respond within 30 days, I will assume that they are not able to verify this information and will remove it from my credit report. Federal law requires you to response with 30 days, days, yet you have failed to do so. I am maintaining a log of all corrections sent to your company from future legal actions if continue to ignore my requested. I would expect that you send me an updated credit response for my files.

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 2021-10-08
Company: Circle Internet Financial
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XXXX XXXX is an app that allows you to invest in digital currency such as bitcoin and other coins. I have had a XXXX XXXX account since about XXXX. In XXXX, I changed my phone number and have not been able to access my account since, due to two-factor authentication. I have repeatedly reached out to XXXX XXXX customer service support team via email and website form since XXXX to update my phone number so that I can access my account. ( Their customer support number is not in service ). Their multiple responses directed me to upload a selfie holding my government issued ID to verify my identity. Once this step was completed, there was no response, no progress, and no update to my current phone number. The latest response to my renewed requested stated that my account was migrated to XXXX ( another investment app ) and the email further directed me to contact XXXX  support team on the email provided. XXXX responded by requesting a selfie with government issued ID as well. Ultimately, XXXX stated that my email could not be found in their system. 

Not only am I not able to access my account, I am legitimately concerned about this because I have submitted the requested verification images on multiple occasions with very little to no support. I hope whomever access to my information only uses it for the purpose it was intended for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XX/XX/2021, I sent a letter to XXXX, XXXX, and Transunion to investigate incorrect information on my account. As a result, they never responded within the 30 days allowed for investigation. 

This is my second letter I am sending to them requesting an investigation on inaccuracies appearing in my credit file. The most recent letter was sent 30 days ago, with no response from your company. I was again requesting that you investigate the accounts listed in the letters. 

Since they did not respond within 30 days, I will assume that they are not able to verify this information and will remove it from my credit report. Federal law requires you to response with 30 days, days, yet you have failed to do so. I am maintaining a log of all corrections sent to your company from future legal actions if continue to ignore my requested. I would expect that you send me an updated credit response for my files.

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 2019-07-16
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Experian has a Score Boost feature that promises to link your utility history if you link your bank account to your Experian membership. I did this and they still are having issues reporting my utility history, despite giving them the exact dates and amount of the utility transaction. This amounts to fraud, also considering the fact that for their premium membership, the online chat feature is NEVER available, so you can't contact anyone to fix any issue. There is a message on the members ' site that states all of their agents are busy, no matter what time of day. 

It is nearly impossible to reach their toll free customer service to fix any issue. I was hung up on three times by their system before I was able to reach someone there. It is highly deceptive to request personal financial records from another institution ( Score Boost ) and not follow up on the promises made by your service. I would appreciate a prompt response to this issue.

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 2023-11-12
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX  Both XXXX XXXX Explicit written consent was not given to these entities to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged charge off account from XXXX XXXX BANK that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion. I sent a notice to the creditor requesting for a 1099-C form but they failed to provide me this, so this reported information is not only invalidated but inaccurate because I can only assume they are violating federal law and committing tax fraud if they didnt file and Im ready to report them to the IRS for violating IRS regulations.

Even if they did file the 1099-C form, it doesn't matter, because regardless this information needs to be deleted because by law it is inaccurate, since a charge off is classified as INCOME and INCOME isn't reported on credit reports. XXXX and TransUnion is participating in fraud with XXXX XXXX BANK and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer 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 2021-10-02
Company: Santander Consumer USA Holdings Inc.
State: GA
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:
INFORMATION IS BEING REPORTED ON MY CREDIT PROFILE THAT WAS NOT MADE BY ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Resurgent Capital Services L.P.
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:
CACHLLC has reported inaccurate information. This collection agency is reporting that I have recently made payments when I had never made a payment to them because I do not owe them anything. The account states closed.This is fraud and inaccuracy of reporting. It is affecting my credit report negatively and that is why I'm filing this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : OAG CHILD SU Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 non-monetary relief