BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-14
Company: EQUIFAX, INC.
State: CO
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 traded my auto in, that was financed by XXXX XXXX XXXX, for a new vehicle. The loan was paid off at this time. However, there are incorrect lates reporting. 
1 ) Equifax is reporting a late in XXXX and XXXX. They also have my account coded as I2 ( 30 days past due ). How can I be late on an account with a {$0.00} balance and {$0.00} past due? This coding issue as well as the late payments are FCRA violations. 
2 ) XXXX XXXX is reporting a 30 day late in XXXX and they are also coding this account as I2, or 30 days past due. Again, the balance is {$0.00} and the past due amount is {$0.00}. It is impossible to be 30 days late on an account with no balance. They are also reporting an incorrect late. 
3 ) XXXX has my coding correct because they are reporting this as an I1 but they are also reporting a late payment in XXXX that is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Unauthorized Hard Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-11
Company: Experian Information Solutions Inc.
State: IN
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to 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 2020-09-30
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:
XXXX XXXX XX/XX/XXXX To whom it may concern : Im writing to file a complaint because after several attempts to have a bankruptcy removed from my credit report. XXXX was company who purchased and placed bankruptcy placed it on my credit report. 

I filed a chapter XXXX bankruptcy in XXXX and it was dismissed in XX/XX/XXXX. I contacted the three credit bureaus to have it removed. I have requested to have it removed, but they refuse to remove it. I understand that it is the company who placed it on credit is the one responsible to remove it. XXXX put it on my credit report and they have removed it. I sent letter from XXXX to credit bureaus stating that XXXX removed it from my credit report. XXXX stated that they could not verify it sufficient timeframe so they removed it from the report. The credit bureaus stated they verified the information to be accurate. The bureaus have all stated that the information has been verified ; however Ive sent out numerous letters, and it has cost a lot of time and money to get the information corrected to get letters notarized and certified. The credit bureaus are TransUnion, XXXX  and XXXX. 

Bankruptcy docket XXXX, was filed at the California XXXX Bankruptcy Court. I sent a letter to all three credit agencies regarding letter from bankruptcy court stating that the court does not report the bankruptcy on credit report ; it was purchased from a third party XXXX. What they verified is the it is on the credit report with all court information, but that is irrelevant and incorrect. It clearly shows its on my report but not verified with XXXX. The credit bureaus are clearly in violation of Fair Credit RePorting Act Section 611 ( a ) ( 1 ) ( A ). This has been an issue since XX/XX/XXXX until now. I would like to know how I can file a smalls claim action against them. The purpose of complaint is to investigate the companys lack of verification of reporting of the bankruptcy and have it removed. The credit bureaus have all the information to remove the information, but they refuse to cooperate with XXXX. I spoke directly to XXXX after the letter was sent to me and they stated that they removed it, there is a quarterly report sent out to all three credit bureaus to remove the information when they removed the information, and I informed each bureau, but no cooperation from any of the bureaus. 
Thank you for your response. 

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 2023-08-31
Company: Experian Information Solutions Inc.
State: PA
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 on these accounts. I am never been late in this account.

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 2016-01-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian is currently reporting voluntarily dismissed chapter XXXX bankruptcies # XXXX XXXX and XXXX in my credit file. Experian responded to my complaint filed XX/XX/2015 and stated that " The FCRA allows for the length of time information may appear on a consumer 's personal credit report ''. And " The bankruptcy dismissed/withdrawn status will remain on your report for seven years from the filing date. " The is a vague, fabricated statement which is not accurate and complete. There is not any clear language in the statue that states an voluntarily dismissed chapter XXXX bankruptcy should be included in an consumer file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Go Capital Holdings, LLC
State: IN
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:
Pursuant to 15 usc 1681a ( 2 ) ( B ) Exclusions any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. The definition of a credit card Pursuant to Title 15 usc 1602i means any card, plate, coupon book or othercreditdevice existing for the purpose of obtaining money, property, labor, or services oncredit meaning my Social Security Card was used to originate every consumer credit transaction in my File making me the original creditor pursuant to Title 15 usc 1602g. Pursuant to 1681b ( a ) ( 2 ) I have not provided expressed written consent for any of these items to be furnished on my report. You do not have permissible purpose to furnish these items. I demand pursuant to 15 U.S.C. 1681a ( 2 ) ( B ), 15 U.S.C 1681b ( a ) ( 2 ), & amp ; 15 U.S.C. 1692g that the following transactions : GO FINANCIAL Account number XXXX XXXX XXXX XXXX  XXXX Account number XXXX XXXX  Inquired on XX/XX/2021 XXXX  XXXX XXXX Inquired on XXXX  XXXX, 2021 be removed from my credit report immediately as you are violating my rights as a federally protected consumer under title 15 chapter 41. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the below actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g 4 ) Violations of 15 U.S.C. 1681a 5 ) Violations of 15 U.S.C. 1681b

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 2023-07-11
Company: Nationwide Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NCC collected 5 x {$6.00} card fees that were not disclosed. Although the company may NOW be charging this fee in the state of Florida, they did NOT in XXXX. Multiple agents with the company confirmed this fee should not have been collected. 

There were sporadic {$6.00} charges attached to payments made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I contacted the company on XX/XX/XXXX and was advised to email XXXX. The company has confirmed my email was received and uploaded on XX/XX/XXXX. I have made multiple follow up calls to no avail. The agents have hung up on me, sent me to voicemail without warning, and simply ignored the voicemails I did leave. The company has made no attempt to resolve this matter. Please review.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-11
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
experian refuses after numerious dispute attempts to remove XXXX XXXX XXXX and XXXX from negative accounts in the credit report chapter XXXX bankruptcy discharge papers were submitted in addition to student loan deffermen/tforberance documentation. ( XXXX, XXXX, us department of education ) experian will has refused to add account into satisfactory accounts/accounts in good standing.

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 2018-11-14
Company: ProCollect, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ProCollect Inc is reporting on my credit reports that I owe them a balance of {$550.00}. I never had a contract or resided in a property ProCollect Inc Manages. I asked them to provide validation and they sent a lease from XXXX XXXX XXXX They werent able to provide any payments or receipts .I was unaware this was going on my credit reports as I was not notified and never had an agreement or contract with Procollect. Per FCRA regulations notice should have been given no agreement or contact stating I owe them and agreed to a certain amount that they request. If item arent deleted I will seek legal counsel as this is a violation of the FCRA regulations.

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 2023-07-23
Company: AMERICAN EXPRESS COMPANY
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: Privacy issues

Complaint:
I received a call from the number XXXX ( XXXX ) XXXX on XX/XX/2023. The caller ID said AmericanExpress and a lady answered the phone. The lady said she is with American Express and was calling about a credit card application I put in. I put a credit card application for a gold Amex American Express card on XX/XX/2023. I used XXXX XXXX to apply for the card. The lady on the phone asked for the last four of my social security and I gave it to her. Then she asked for my birthday date but I didnt give it to her after because I got a feel it was a scam.I hung up after that and looked up the number and it definitely was a scam. Also American Express is closed on Sundays.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX XXXX has refused to send me verification of the claim against me, validation of debt, contract binding both parties. They have reported inaccurate information that can not be validated. Per 15 U.S. Code 78cc, which emphasizes the importance of valid contracts, along with 15 U.S. Code 1692g Validation of debts and 15 U.S. Code 1681s2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. This company is also in violation of 15 U.S Code 1692c Communication in connection with debt collection.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2020-09-30
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
hello, Coinbase company locked my account with XXXX $ value money ( not cryptocurrency ) a week ago and I cant acces that money. However, I van log in into account but cant do anything.

I want to transfer the money to my bank account.

I tried all steps to recover account but didnt work.

I know about similar cases and people stayed without money.

I would need you help since I read about you helped someone before.. 
Thank you sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: EQUIFAX, 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:
XXXX is the General Executor of all accounts and affairs regarding the name XXXX XXXX XXXX its ESTATE and any/all derivatives. 

2. FCRA 1681 ( i ) states in part If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by a consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information .... If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.

3. AGENTS of EQUIFAX et al have breached their fiduciary duties and done willful damage to the XXXX XXXX XXXX by refusing to comply with FCRA regulations 1681 ( i ) by either 4. AGENTS of EQUIFAX et al have breached their fiduciary duties and done willful damage to the XXXX XXXX XXXX  by failing to conduct a reasonable investigation as mandated by the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ).

5. AGENTS of EQUIFAX et al have breached their fiduciary duties and done willful damage to the XXXX XXXX XXXX  by failing to provide proof of a reasonable investigation as mandated by the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ).

6.When a customer disputes credit information to a CRA, the CRA must advise the furnisher of that data that a dispute exists and provide the furnisher with all relevant information regarding the dispute that the agency has received from the consumer. Id. 1681i ( a ) ( 2 ) ( A ). Once notified by a CRA, a furnisher must *36 ( A )  conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency .... ; ( C ) report the results of the investigation to the consumer reporting agency ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.

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 2021-05-17
Company: EQUIFAX, INC.
State: NV
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 reached out to Equifax Dispute center for investigation and verification of a wrongfully reported account on my report. It has been over 30 days and I havent received any response or documents with any signatures or validation. 

Account : XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EdFinancial Services
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XX/XX/XXXX - My mother called EdFinancial but the customer service line hung up on her multiple times after waiting on hold for hours. No response. 

XX/XX/XXXX - I uploaded a letter from my graduate school proving my enrollment for the XX/XX/XXXX school year. I also had my mother submit the same letter so that we both could have the loans deferred. Used the online form to submit the paperwork. No response. 

XX/XX/XXXX ( before payment started ) - I sent multiple emails following up with the team to have the matter settled. No response. 

XX/XX/XXXX - Once again I reuploaded my proof of enrollment. No response. No confirmation of receipt. XXXX should have informed my student loan provider that I am in grad school and therefore the loan provider should already know that I am in school ; however, I keep getting messages that I am late on my payments.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-20
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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