BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-19
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: Was not notified of investigation status or results

Complaint:
Experian 's failure to produce any legal evidence or verification for the alleged debts, and is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''. 

Experian & its actors willful behavior of discharging its duties to correct itself and the record after prior attempts were properly made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/XXXX, Experian REFUSED to start a dispute after they have already verified my identity by phone and received a letter from me requiring them to provide me PHYSICAL VERIFIABLE PROOF that EXPERIAN has obtained to validate reporting the accounts listed on the credit report. I did NOT send a request about the ACCURACY of any item reported as they responded to CFPB but asked for EXPERIAN to provide physical proof of being able to report said matters on my consumer report. Furthermore, my request for this which came on a letter attached with MY ORIGINAL SIGNATURE, DRIVERS LICENSE, and SOCIAL SECURITY card as well as my verbage in the letter concludes that I, XXXX XXXX XXXX was the one disputing and not a 3rd party agency. Also, my dispute has been illegally closed without proper investigation and results.

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 2021-02-22
Company: EQUIFAX, 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 information incorrect

Complaint:
Equifax has refused to remove one item of debt that has been removed last year. XX/XX/XXXX The account with XXXX XXXX XXXX has been resolved and has been removed from my XXXX  and XXXX  accounts since XX/XX/XXXX Yet when I contact Equifax I'm given all kinds of excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
3 Accounts with Portfolio Recovery Associates I have written to Portfolio Recovery Associates and mailed certified mail on three separate occasions to have this debt removed from my credit report. I have requested to have Portfolio Recovery Associates to provide me with a copy of any viable evidence bearing my signature and as of today has not been done by Portfolio Recovery Associates, with any automated or XXXX verification is unacceptable. I have also notified Portfolio Recovery Associates that by continuing to report on my credit report it is a violation of the Fair Credit Reporting Act. I have also notified in all my three certified mail letters that if not removed from my credit report that I will file a small claims action against Portfolio Recovery Associates. Only response I receive from them is a that the claims have been verified and they will not be opening another investigation, but have not responded to me with viable evidence bearing my signature. Their office considers this matter closed and I do not have any evidence and how can they close this matter without sending me what I have disputed. 
Account numbers are as listed : XXXX for the sum of {$2300.00} XXXX for the sum of {$910.00} XXXX for the sum of {$340.00} All three accounts do not have my correct name and have wrong address on the bills. 

Thank you for your time and I look forward to getting these 3 matters cleared up and off of my credit report. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, AL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Lease from XX/XX/XXXX to XX/XX/XXXX Needed to move out due to the Pandemic. 
Provided required notice to complex XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Paid all rent. 
They Charged additional month and fees after move out. 
I have been unemployed since XX/XX/XXXX and never delinquent with my bills. 
They are reporting to my credit score and tanking it. 
They are additionally charging interest.

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 2018-03-04
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:
A chapter XXXX bankruptcy is being reported on Tranunion, XXXX and XXXX reporting bureaus. I have requested that they remove this item many times from my credit report and to this date ( XXXX-18 ) it still remains.

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 2017-08-08
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a 2 Checking a 1 Savings Account with Chase Bank. I managed the accounts properly never having an issue with the bank. I noticed that there was some unauthorized activity on my accounts and I contacted Chase. They opened up a dispute for me and suggested I open a new account and close the existing accounts.I was waiting on my direct deposit to post and then I would close the accounts.I go to login and was restricted only to learn later that Chase closed all of my accounts. I received a letter in the mail stating that I had not returned paper work timely. The thing is, no paperwork was ever requested from me. I feel as if I have been improperly targeted by Chase Bank. I feel embarrassed, discriminated against, and violated by the actions that Chase has taken against me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-30
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed a complaint on XX/XX/XXXX against Santander Bank ID # XXXX, regarding XXXX 's XXXX XXXX. Santander Bank told another person named XXXX XXXX that the account belonged to her. 

XXXX 'XXXX  XXXX XXXX established a business checking account XX/XX/XXXX under XXXX XXXX with two signers on the account ; XXXX XXXX and XXXX XXXX. A branch of Santander Bank took it upon themselves to add a different XXXX XXXX to the account. Attached is a letter from Santander Bank admitting there error. I would like Santander Bank charged with violating the Banking Privacy Act.

By Santander Bank giving this information to another person without verifying with the account owners is a violation against Banking Privacy Act and because of this we need to establish a new  account. In order to establish a new account we must file a " Certificate of Organization for a LLC '' which will cost us {$120.00}, which I would like them to refund to XXXX 'XXXX  XXXX. Because if they had not caused this error we would not be in this situation. 

I have attached the letters and email from the first complaint along with the letter received from Santander Bank admitting to error. 


Sincerely 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 2020-12-01
Company: Mortgage Research Center, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I responded to an advertisement from Mortgage Research Center , LLC, aka, XXXX XXXX XXXX ; aka : XXXX XXXX XXXX to refinance my VA home Loan under the Veterans Streamline Refinance Program. 

I was required and consented this lender to pull my credit report to determine eligibility. I needed a XXXX score of XXXX to qualify for the refinance. I was fully aware of my scores and did not expect a problem. However, this lender rejected my application r stating my FICO scores were to low, they said my report showed my XXXX score : XXXX ; XXXX : XXXX and XXXX : XXXX. However, when I accessed my credit file and checked my scores they were : XXXX : XXXX : XXXX : XXXX and XXXX : XXXX. When I shared this fact with this lender, I they informed me that the scores I receive are scores for " consumers '' and their scores are " mortgage scores ''. I am confused because I have been unsuccessful in obtaining information for the credit agencies to substantiate a " mortgage XXXX score ''. 

This situation seems unfair, unfortunate and has caused me much anxiety because I am not sure if I should pursue another lender to complete my much desired mortgage refinance. 

My question : Does credit reporting agencies provide different/separate XXXX scores to lenders that determine credit worthiness of borrowers that are unavailable to borrowers?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A chapter XXXX bankruptcy is being reported on XXXX, XXXX and Equifax reporting bureaus. I have requested that they remove this item many times from my credit report and to this date ( XXXX-18 ) it still  remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
Someone opened a credit card in my name in XX/XX/2018. Through the credit reports I was only able to obtain a partial number of the credit card. The card limit was {$500.00}, but since it was not paid the actual balance as of XX/XX/18 is {$620.00} according to XXXX Credit Report ; in the XXXX and TransUnion Reports the balance is {$570.00}. I called XXXX XXXX XXXX in XX/XX/2018 when I noticed the account in my credit report and informed that I have never applied for a card with them. They said that they will investigate and send me some documents in the following two weeks. However, after over a month I have not received any papers. I called again today, XX/XX/2018 ( XXXX ) and speak with Mr , XXXX XXXX who indicated that it will take some 70 days to investigate and that I have to call again in a month. They did not provide any number for the confirmation of claim. This is affecting my credit score because the card has not been paid since it was 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 2018-09-24
Company: SYNCHRONY FINANCIAL
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:
I have 4 closed student loan accounts showing up and they were paid and Ive contacted the creditors to remove the inquiries, I also am needing to dispute recent inquiries

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 2020-05-14
Company: Experian Information Solutions 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:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX {$14000.00} XXXX  XXXX {$660.00} XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX {$500.00}

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 2020-05-14
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:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX  XXXX {$14000.00} XXXX  XXXX {$660.00} XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX {$500.00}

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 2021-01-26
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase emailed me claiming that a purchase I initiated on XX/XX/21 was not charged to my bank account. They then proceeded to charge me {$200.00}. I have proof that every purchase I made was charged to my bank account because the money was taken out of my bank by Coinbase. I paid the additional {$200.00} because they threatened to sell crypto to make up the debt I owed them. Below is the purchases I made with the total amount of XXXX ETC explained. 



* I converted {$170.00} from The Graph to XXXX on XX/XX/21 XXXXXXXX XXXX. 
( Totaling XXXX ETC ) * I converted {$100.00} from CVC to ETC on XX/XX/21 XXXX XXXX. 
( Totaling XXXX ETC ) * I bought {$200.00} of ETC XXXX on XX/XX/21 XXXX XXXX. 

* I bought {$700.00} of ETC XXXX on XX/XX/21 XXXX XXXX. 

Total= XXXX ETC Therefore I converted crypto I already had to ETC. XXXX ( Graph ) + XXXX ( CVC ) = XXXX ETC Then I made two purchases with my XXXX bank account of {$200.00} ( XXXX ) and {$700.00} ( XXXX ) = XXXX ETC Combining my total to XXXX ETC. 

Coinbase claims they did not receive payment for {$200.00} for a transaction that I was credited for ( false ). Clearly I only made two transactions during that time. One for {$200.00} and another for {$700.00}. I can prove both of those charges with my XXXX. Yet Coinbase is trying to charge me for a total of 3 transactions, claiming there are two charges for {$200.00} and I was not charged for one of them. This is false. 


I payed Coinbase out of fear they would sell my crypto after threatening to sell it over an email from their Coinbase support. I would like my {$200.00} to be refunded to me because I essentially was blackmailed to give {$200.00} or else the company would sell my crypto to cover there fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: JPMORGAN CHASE & CO.
State: IL
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 have spoke to XXXX about my inquires back in XXXX. I still havent had them removed. I spoke with them in XXXX, XXXX, and XXXX and they are still there. The creditors that put the inquires out there have sent several letters to XXXX   as well. The inquiries that need to be removed are the 5 J.p. morgan Chase inquires from : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 1 inquiry from XXXX on : XX/XX/XXXX XXXX inquiry from XXXX on XX/XX/XXXX XXXX inquiry from XXXX/XXXX on XX/XX/XXXX 1 inquiry from XXXX XXXX on XX/XX/XXXX I have already sent over documentation stating that I did not make these inquires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-04
Company: TRUIST FINANCIAL CORPORATION
State: MD
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:
In XXXX I purchased a home with a mortgage loan from Suntrust. At the time I open a credit card account. In mid/late XXXX my grandmother fell ill and I ended up relocating her from XXXX to live with me in the XXXX/XXXX area. I missed a few payments and SunTrust charged off my credit card. I reached out in XXXX and XXXX attempting to negotiate the account being re-opened so I could pay it and Suntrust declined. We were not able to negotiate any terms we both agreed to. Now, over ten years later, they are claiming the account was open on XX/XX/XXXX and became delinquent XX/XX/XXXX. Then they show the date of last payment as XX/XX/XXXX. I've disputed this information with the credit bureaus last month and they " verified '' that the information being reported is correct. I have not opened any other credit card with Suntrust since XXXX and since they refused to negotiate any reasonable way forward, I have not had any contact with them about that account since XXXX. I do have a mortgage account with them ( now Truist ). I need assistance resolving this matter. I have initiated another dispute with XXXX but in light of the fictitious information they provided for the first dispute, I don't expect them to provide correct information in this re-investigation. Can you please assist?

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 2018-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Capital One Attn : General Correspondence XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have attached a credit report with the items.CAPITAL ONE BANK USA NA # XXXX and CAPITAL CAPITAL ONE BANK USA NA # XXXX These items has been paid off from collections and have yet been removed from my credit report after agreed that it would be removed after the collections was paid off. When I last spoke to Capital One XXXX of XXXX to be removed after the debt was settled. Capital One failed to complete the necessary documentation to complete this process, thus making the current credit report inaccurate and incomplete because. I am requesting that the item be removed to correct the information. 

Enclosed is an attachment supporting my position. Please reinvestigate these matters and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Experian Information Solutions Inc.
State: TN
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:
Experian have violated several federal and state laws regarding my right as a consumer to privacy.

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