BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter to Equifax on XX/XX/2022, requesting to investigate and verify the accuracy of the accounts on my Credit Report. These accounts are reporting erroneous information on my File. Despite the previous written requests sent to Equifax, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Equifax to investigate the erroneous accounts and have them corrected or deleted from my file. 


XXXX  XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: Diversified Consultants, 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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX {$330.00} XX/XX/XXXX {$76.00} {$56.00} Diversified Consultants XX/XX/XXXX {$440.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-26
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
This is a minor issue as this account is scheduled to fall off my report next year. XXXX XXXX XXXX company no longer has a vested interest in this account as it has been charged off and sold to a collection agency. Im respectfully asking them to remove this closed account from the three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
This is a minor issue as this account is scheduled to fall off my report next year. XXXX XXXX has charged off and closed an old account and sold it to a collection agency. Since they no longer have a vested interest in this account, im respectfully asking them to remove it from the three credit reporting agencies. I have another account with them in good standing. I understand that they are not obligated to remove it from the three credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( XXXX ). Please be advised that under Section 611 ( a ) ( XXXX ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 

Please correct the account, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$7100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: Stanislaus Credit Control Service, 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 is missing that should be on the report

Complaint:
Stanislaus Credit Control {$330.00} XX/XX/XXXX {$76.00} {$56.00} XXXX XXXX XX/XX/XXXX {$440.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-26
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was notified of a charge to to my local XXXX of {$1000.00} made on my Wells Fargo banking debit card. I filed a dispute with Wells Fargo and submitted proof that I was at work and the card was in my possession during the time of the transaction. Wells Fargo dome a dispute investigation and informed me that I was in the wrong and denied the claim due to the fact that my banking card had to physically be at the store location during the transaction

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 2018-08-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
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 a closed Walmart credit card i opened in XXXX of XXXX and it was charged off in XXXX.and sold to XXXX XXXX  which i paid. But this account was updated in XX/XX/XXXX which it shouldn't .since it hasn't been active in 6 going on 7 years, The Walmart credit should be deleted off my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am XXXX years old and trying to modify my loan., Im on XXXX XXXX XXXX XXXX, XXXX XXXX surviver .. and Saterios loans is trying to trick me into a 40 year loan and says there is n other options., my house is worth XXXX XXXX 3 bd 2 bth in XXXX XXXX XXXX Ca I owe XXXX on the loan with 12 years left., Im having trouble makeing ends meet., = paying bills and Seteriors is trying to XXXX me with a bad loan offer..

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 2020-08-20
Company: LEXISNEXIS
State: AZ
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:
The company has failed to verify the information on the credit bureauXXXX XXXX XXXX XXXX XXXX The Bankruptcy Court has no jurisdiction over credit consumer reporting agencies and the court does not notify reporting agencies when a bankruptcy case is filed, nor can the court request that a specific record be changed. Information on your credit report has generally been reported by your creditors and is gathered from public sources by the reporting agencies. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Experian Information Solutions Inc.
State: NY
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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had be file with the FTC and a police report. 
As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. XXXX County Police Report # 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 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/DEPTOFED 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 2018-08-26
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear Sir, I have run the Experian Credit Report dated XX/XX/2018, Experian kept on reporting false information on my credit report. I have communicated my personal information multiple times name, address, SSN, date of birth and various identification details. Experian kept on mentioning wrong details of name and address. I have also communicated to CFPB as well as Experian Multiples times on my name, address and various details. Experian have communicated to CFPB that they correctly mentioned my name and address, again they mentioned various wrong details of my name and address. 
Could CFPB kindly direct Experian to disclose the details of the creditor, who reported the wrong name and address in the credit report dated XX/XX/2018. 
Could CFPB to take appropriate action against Experian for entertaining wrong name and address in my credit report for granting access to creditors even though it was notified to Experian multiple times through CFPB and all the complaints are part of the record.Could CFPB kindly direct Experian to remove the wrong name and address from credit report. Experian holds the accountability and responsibility for creating troubles to consumers and keep entertaining the wrong names and addresses in my 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 2018-08-26
Company: EQUIFAX, INC.
State: GA
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:
Greeting, I have submitted to the credit bureaus XXXX  and Equifax within the last two years several disputes in refrence to several accounts that were opened under my name and social. They were able to successfully remove a few items, however there were others that were still reminding on the credit report such as a two bankruptcies that were filed on my credit report. On XX/XX/2016 and XX/XX/2016 After being told that the account and items were valid, the items remained on my credit report. Preventing me from obtaining credit and being denied for several investments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: ALLY FINANCIAL INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Opened account in early XXXX to buy a used car. Got medically cleared to join XXXX and left right away, reporting on XX/XX/XXXX. Never made a payment since leaving for the XXXX. End of XXXX and all of XXXX, company said I made payments of {$0.00}. I never made any payments. After 10 years, they finally claim to charge the account off. This account should have been charged off over back in XXXX. It is not past 10 years and they are still reporting it to my credit report. This is well beyond the seven year mark of reporting. Also they a past the statue of limitations in WI which is 10 years.

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 2018-08-26
Company: ERC
State: AZ
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 first received the collection from ERC on XX/XX/2018. I responded immediately with a certified validation letter that they received on XX/XX/2018. On XX/XX/2018, they sent another letter acknowledging receipt of my letter. They only provided a bill for validation. On XX/XX/2018, I sent them a response letter informing them that they did not correctly validate the debt. They received the certified letter from me on XX/XX/2018, but I never heard back from them after the second letter I mailed them. Next thing I know they reported to at least two of the credit bureaus on XX/XX/2018 stating that I owe this debt that they never validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On approximately XX/XX/2020, I attempted to transfer funds on Coinbase from the " Vault '' feature to the " Wallet '' feature. This transfer required approval from my main account as well as a co-signer email account. The main account had already approved the transfer, as noted on the Coinbase site, but when the co-signer attempted to approve the transfer from their email as instructed, the Coinbase webpage they were sent to said they had already done this action, yet on Coinbase itself it stated that the co-signer had not approved. The co-signer attempted to approve the transfer through the email multiple times, but every attempt failed. After 24 hours, the transfer was terminated due to the co-signer being unable to approve the transfer. 

On XX/XX/2020, I emailed Coinbase 's support team and detailed the problem. I was sent a response email at that time confirming that my case had been received. 

It is now XX/XX/2020, and I have not received any other notices from Coinbase on this issue, and my funds have not been transferred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-26
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018, I was notified that Source Receivable Management was added to my credit report as a collections account for XXXX. I have never signed a contract with them and I am not liable to this debt. A validation letter was sent to Source Receivable Management on XX/XX/2018. It has more than 30 days and I have not received any validation paperwork in response to my letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The incident occurred Saturday night XX/XX/XXXX. I woke up the next morning ( XX/XX/XXXX ) and noticed that I did not have my debit card and there were 4 unauthorized charges on my checking account. Two ATM withdrawals ( {$200.00} & {$240.00} ) and two charges at XXXX XXXX in XXXX ( {$1000.00} & XXXX ). I called Chase immediately to file the claim and cancel my card. They cancelled my card and sent me a new one, and I was told a claim was filed to dispute the charges and I would be notified with updates. I called back the next day to check the status and I was told that their system was down and I needed to refile the claim. While on the phone the second time, they logged two separate new claims for me, one for the ATM withdrawals and one for the XXXX transactions. I received a temporary credit for the full amount. Two weeks later all temporary credits were reversed. I called in to understand why, they told me that the claims were denied because whoever used my card had my PIN, along with some other reasons that I felt were less than satisfying. I have never told or given my debit card PIN to anyone. I went in to a Chase branch to try to gain some more understanding and the banker attempted to re-open the claim, but was told that they can not re-open it because the person who had my card had my PIN, and I ultimately was told there's nothing I can do. Now I am out {$2400.00} and I don't know what else I can do, but I feel that I am owed this money and Chase was less than helpful in supporting my fraud claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-26
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
Hi, I opened this card on XX/XX/2018. Approved for {$500.00} an unsecured mastercard. I received my first bill after with no card but still made payment and advise customer service of it. I then moved and ask to send to my XXXX XXXX they said no because I never made purchase but I have always paid on time dispite not getting credit card after calling 3-4 times just to find out customer service sent me to robot. Make a long story short all fees were paid by me on time because I did not want to ruin my credit. Available now is {$500.00} with nothing owed. They refuse to update my account. I am a victim of XXXX  XXXX and had to move but besides that I check all my credit reports Experian, XXXX, XXXX   and this credit card does not appear on my credit as paying on time for 3-4 months nor does it show at all I own on my credit report and I am wondering if this company is legitame as well after taking my money and no card and no reflection on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation