BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-14
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: Credit inquiries on your report that you don't recognize

Complaint:
Delete hard inquiries In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidenciality under 15 USC 1681.

The accounts below have violated my rights. 15 USC 1681 section 602A.

States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it olso states a consumer reporting agency can not furnish and account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the fallowing item of information. Any other adverse item of information other than records of convictions and crimes which antedates the report by more than 7 years.

15 1681 s-2 ( A ) ( a ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable couse to believe that the information is inaccurate.

Delete accounts below. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2022 XXXX XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: LA
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:
This is XXXX XXXX XXXX please 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 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 2020-07-30
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first timeand I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$16000.00} XXXX  XXXX {$1400.00} XXXX   XXXX {$360.00} XXXX  XXXX {$260.00} XXXX  XXXX {$120.00} XXXX  XXXX {$140.00} XXXX XXXX XXXX XXXX {$930.00} XXXX  XXXX {$250.00} XXXX   XXXX  XXXX {$980.00} XXXX XXXX XXXX XXXX {$1800.00}

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 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$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 non-monetary relief
Consumer complaint received 2022-11-03
Company: I.C. System, Inc.
State: OK
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 have two collections reported on my credit history. Both in the amount of {$670.00} and from XXXX. I have twice contacted ic systems about verifying the accounts. The first time, in XXXX I received a letter stating that they could not verify the accounts and would stop reporting them. They did not stop reporting them. I sent another verification request in XX/XX/XXXX, I received a response stating that they can not respond because they need further information to include a reference number from previous correspondence ( I have never received any correspondence except from the above stated instance and that letter had no reference number. ) they also asked the name of the creditor, and any phone number they have used to contact me. They have never called me, and I dont have the name of the creditor. So they are reporting to my credit after stating they couldnt verify my debt, they dont know who the creditor is to this unverified debt, and are asking for a reference number I have never received for a debt they can not verify.

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 2020-08-06
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have an account with Citibank that I opened in XXXX of 2020. With the pandemic, I was not able to switch over to the account that I opened. The account was charged a monthly fee of {$30.00} per month. I requested that Citibank reverse the fees for two months. The fees were reversed. The next thing I requested was to change my account type to avoid fees until I could switch over. Today XX/XX/2020, I was charged a {$34.00} overdraft fee for another {$30.00} account fee. I chatted with the customer service team and was told they can not reverse the fee or close my account. How can I be charged a fee for a bank fee? This is not right at all. The account has had no debits generated by 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 2020-11-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX/XXXX  Inquiry from XX/XX/2020 inquires are not mine or unauthorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
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: Their investigation did not fix an error on your report

Complaint:
It appears that several items were not update & false information still is reporting via Credit Report Bureaus. I've reported that Late payments listed on Accounts are inaccurate, due to being a certified victim of ID/Credit theft & Tax fraud XX/XX/2022 onward. Unfortunately, several items remain erroneously reporting and adverse penalization is continuing to harm me as a consumer due to these misreportings. 

XXXX is still being charged to Remove Late payments on All Accounts from XX/XX/2022 - Mark No Data ( is acceptable ) instead of Late. As my personal information and privacy were breached during this breach & the information in those reporting is accurate. 

I've provided verification with IdentityTheft.gov reports, Police Department Report and am seeking necessary steps to ensure the bureaus are held accountable to honor what the experts with Fraud Departments at IRS, Police Department, Attorney General, XXXX XXXX XXXX XXXX and other Fraud Agencies are too. 


XXXX & XXXX XXXX both touch on the responsibilities of Credit Reporting Bureaus/Agencies and their fiduciary - Duties to uphold pertaining to the rights of consumers having accurate information on file for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: MONEY SOURCE, INC., THE
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX The Money Source Inc failed to send all documents related to a mortgage modification that I had been successful with trial payments on. After confirming that the modification had been finalized and submitting the documents that were sent to me I received a modification denial letter almost three months later citing I did not return the documents. I have confirmation not only that I completed and sent the documents via email, and USPS but TMS also filed the same documents in US Bankruptcy Courts on XX/XX/ via their Attorney XXXX XXXX XXXX XXXX XXXX XXXX I believe TMS made a clerical error and rather than rectifying the matter with FHA/HUD agencies they forced and coerced me into multiple subsequent mortgage modifications which have been very unfavorable. My original modification would have brought my monthly payment to {$1500.00} with an APR of 2.8 % versus my current loan status of {$2200.00} with APR of 6.37 %. I believe that TMS has made grievous error in this matter including failure to respond to my subsequent appeal in writing and my formal request under the RESPA Act dated XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX 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 2023-01-09
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
A few months ago, either in XXXX or XXXX, I was emailed a statement by Comenity Bank that I had a balance. I tried to login online and see my statement, as I had done successfully numerous times in the past, but this time I was shown an error message that their website was not working and to try again later. I tried numerous other times throughout the month and was unable to view my statement. Then in XXXX I was emailed that I had a much higher balance, and again when I tried to login to view my statement I was unable to. I do not recall using this card over these previous months. I was then called by Comenity almost on a daily basis in the mornings to pay the amount. I could not answer because I was at work during this time. I tried to call Comenity multiple times when I was out of work, but my phone call was always disconnected before I could speak to someone. About a week ago, I was finally available answer Comenity Banks phone call one morning when they called since I was not busy at work. I asked them to send me a paper statement because I can not view the statement online and I do not recall making any purchases over the past few months. They said they would send a paper statement and I agreed to make a payment by the XX/XX/23 due date if I received the statement in time, and was able to verify that I had indeed made the purchases on the card. I have yet to receive a paper statement, I still can not access a statement online, and I still can not connect with a representative. In the meantime, my credit report and score are being unfairly and severely impacted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-07
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
When I attempted to log in to my Coinbase account on XX/XX/2021 at XXXXXXXX XXXX  EST, I received a XXXX message through XXXX on my phone. I received this message and input the code. I was then taken to a " New Device Confirmation '' page. This was not unusual, since I had been directed to this page before, even while signing in on a recognized device. I checked my email, and at XXXX, I had received an email response for New Device Confirmation. 
I followed the instructions in this email. but when I input the link in the Confirmation page on Coinbase, I was redirected to a page saying that my XXXX settings had been changed. I did not authorize this change. I then received an email at XXXX confirming that these settings had been changed. 
I logged in to my Coinbase account using my normal account name and password, and again was able to receive the XXXX XXXX  message on my phone. However, when I accessed the account, I noticed that my prior account balance of {$1900.00} had dropped to {$0.00}. I then received notice from my email that two separate transactions had been made : one at XXXX for a transfer of XXXX XXXX ( {$1900.00} USD ) to the wallet address XXXX, and another at XXXX for XXXX BTC ( {$6.00} USD ) to the wallet address XXXX. Neither of these transactions were initiated or authorized by me, and neither of these addresses are addresses I recognize or own. My account was compromised, despite me taking all precautions with XXXX, and I have lost all of the money that was stored in my account. 
Every email I received was from a legitimate Coinbase email address, and all procedures I performed were on the Coinbase website. What I want to know is this : how and when will I be refunded for the {$1900.00} that was taken from my account? Please get this corrected ASAP or I will be contacting the Consumer Financial Protection Bureau to lodge a formal complaint against Coinbase for this unauthorized transfer of my account funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: OneMain Finance Corporation
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to the provisions under the FCRA and FDCPA, I demand that this item be deleted from all the XXXX CREDIT BUREAUS as soon as possible. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must DELETE any erroneous reports of this past debt as mine from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX - Received a letter from my employer with copy of wage garnishment for Portfolio Recovery. 

Ending of XXXX ( Attached to wage garnishment letter ) - Portfolio Recovery filed a lawsuit. I never received any paperwork regarding this lawsuit. 

I have not received any notification from this debt collector nor was I ever provided any explanation or verification of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I've sent several requests over to the credit reporting company to investigate or even re-investigate my requests to provide signed documentation to support the negative items shown on my credit report. XXXX has refused to show proof that an actual investigation was performed, and after only 3 days of receipt and acknowledgement of the request, the credit reporting agency simply updates the items as accurate and choses to notify me electronically that the negative items will remain on my report. The notification of status update is done by electronic means as opposed to mail as requested. The rejection to perform the necessary requested investigation and the refusal to provide copies of the ask for documentation is a clear violation of my rights under the FCRA. Requests in writing started in XX/XX/2022, XX/XX/2022, XX/XX/2022 and again in XX/XX/2022. Investigation requests has been submitted in writing and were requested to respond in writing as well as provide actual signed documentation to support the results of the investigation has well exceeded 30 days and still NOT YET been received. The credit reporting agency has ignored my requests and it has far exceeded 30 to 45 days ; its been months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
LOOKED AT MY CREDIT REPORT AND SEEN ACCOUNT I NEVER OPENED

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 2022-11-21
Company: EQUIFAX, INC.
State: PA
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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: DISCOVER BANK
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The Discover Bank sent me a email stating that they were writing to let me know that they believed that they noticed unusual activity on my accounts ending in checking XXXX, and savings XXXX. And so they had suspended access to my account. I don't believe that there was anything suspicious ; and so I had spoken to a customer service representative or security team through XX/XX/XXXX to XX/XX/2022 about the situation. The customer service representative or security team was not able to give any information about the situation, or when the issue would be resolved. I had spoke to them between XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, the security team stated despite the outcome, were still not able to reverse our decision, and it was just a business decision. They stated that I would have to wait between 60 to 90 days for them to mail or access my funds. I ask them is there a way I can go directly to the local branch to withdraw my own funds, so I can continue to make payments on my bills ; but the customer representative or security team stated that the local branch does not have access over bank accounts that has been suspended or frozen ; as my checking and savings account was in good standing. I just want to know what my rights are, because I believe I have not did anything that they believe would be illegal, and there was not any suspicious activity from my checking ending in XXXX, and savings ending in XXXX. They suspended or closed my account without me being notified in advance, and only found out the account was frozen when I logged into my bank account. My credit card with Discover was still active, but I needed my own funds so that I may be able to continue to make payments on my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Balances on all credit card balances are wrong. Loan amount is wrong. Though mtg holder lender supplied letter ( documentation ) account was closed. Online disputes were ignored and weren't adjusted though docs supplied. after waiting over 1hr transferred to XXXX waited over 1/2 hr transferred back US and disconnected. Old address ( 1 ) is listed as current and current ( 2 ) as old.

Retaliation for taking them to court and forcing them to settle?

files upload. all balances are PRIOR to CB update and NOT SHOWN CORRECTLY

Company response to consumer: Closed with explanation