BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
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: Their investigation did not fix an error on your report

Complaint:
I have disputed inaccurate accounts reporting on my consumer report and XXXX has not fully complied with providing me with their METHOD OF VERIFICATION for the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked XXXX to provide me with information proving that the following accounts do belong to me and if they could not provide me with the following information to remove the inaccurate accounts reporting. Other Credit Reporting Agencies have removed the following accounts from my consumer report and I have requested that XXXX do that same as of today. 

Updating the account is not what I am requesting as it is XXXX grave responsibility to make sure all information is reporting accurately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Io, Inc.
State: VA
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:
on XX/XX/2022 I called XXXX concerned about an inaccurate account that I had already gotten removed. Account number # # # # # # # # # # # # # XXXX from receivable managements systems was reported on my consumer report on XX/XX/2022 after I had gotten it removed in XX/XX/2022 ; I did not receive any notification of the entry of this negative collection, any validation of debt, verification of debt from XXXX nor Receivable management Systems. While I was on the phone with an XXXX XXXX, I informed her that I already called Receivable Man Sys and requested verification of debt and Validation of debt I did NOT receive any information for either. I then asked her what information did XXXX obtain to verify the debt and the Rep aid she did not see anything there, even though the account has been disputed before and XXXX allegedly completed an investigation but does not have any documentation regarding the debt. XXXX and receivable management systems violated my consumer RIGHTS and I want the accounts removed to fine both parties {$1000.00} USD each for violations of my consumer rights, failing to protect me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I wrote to this company disputing some account that was fraudulently opened and reported on my credit report. I wrote a letter to this company dated XXXX XXXX, 2017. For some reasons, this credit repository did not conduct a proper investigation and did not remove the fraud accounts resulted from ID theft. Attached is a copy of the police report I filed and the FTC affidavit I had Notarized. I am a victim of ID theft and did not benefit in any way from any of this account. In addition, this credit repository is the only bureau reporting XXXX XXXX XXXX ref # XXXX. This company already claimed that they do not own this account. In fact, I do not recognize the account at all.

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 2022-01-13
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Afternoon, My name is XX/XX/XXXX, currently I owe {$4800.00} to IQ Data INT. In the past I did stay in apartments and had a roommate of the name XX/XX/XXXX. I did not finish the whole the lease but I did sign a Roommate Release Form and had my name removed from the lease along with any other payments. Recently I tried to apply for an apartment and this popped up, I 'm just very confused and would like this matter resolved since it was no longer my debt once i signed the release form. I 'll be awaiting your regards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/XXXX, I received, from XXXX, XXXX, XXXX XXXX XXXX, XXXX, a photocopy of a NOTICE OF ASSIGNMENT OF JUDGMENT in my parents ' mailbox. Their document was dated XX/XX/XXXX. This document came via first-class mail and was enclosed in an envelope with another AFFIDAVIT OF ASSIGNMENT OF JUDGMENT, dated Tuesday, XX/XX/XXXX, for a Final Judgement in XX/XX/XXXX, when I was XXXX years of age. I tried to speak with a representative at this law firm over the phone about this matter but they demanded my Social Security number. I refused and they would n't proceed with the call. I know for a fact that this matter is either an intentional fraud or a hoax. They are demanding {$2400.00}. Again, I have no knowledge of this debt from XX/XX/XXXX, as I was only XXXX years old in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
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:
On XX/XX/2021 they stated that the lender requested that my information be removed from there system. I then spoke with the lender in received email documentation stating that they did not do so. In they said they did not request the account to be deleted from the report. In transunion said that the only way to reinsert the account is for the lender to do so knowing. That the lender has closed the portal on XX/XX/2021 in no longer has access to do so enabling the process leaving me with no other alternative

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 2021-02-18
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: Was not notified of investigation status or results

Complaint:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2018-01-09
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX {$520.00} In XXXX I had previously informed the bureau that this account was unknown and the account was opened in direct result of identity theft which occurred from the loss of my identification in XXXX. The reply I received from this credit bureau was that this account was verified which is contradicting the statement received from the creditor who has confirmed in writing that the account was found to be opened fraudulently and that they have contacted both Equifax ; XXXX and XXXX XXXX to remove the account but the account is still being reported and is causing extreme hardship. I had requested that the file be removed on numerous occasions and XXXX XXXX but this reporting bureau has failed to remove it and for this reason I quest the assistance of the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2020 my creditcard account was frozen due to suspicious activity on my account.The amount of activity was $ XXXX purchases made to my account, ( not my purchases ), The bank then added something called afunds transfer credit of {$2200.00}, to the account. Bank of America then put what they called a credit on my account of {$4000.00}, to be .. researched, .I immediately told everyone i was able to contact that this was not my bill and that my card may have been used and asked to talk to the fraud dept.I had multiple conversations with the many depts in Bank of america , each one sending me to anotherit finally turned out that the {$2200.00} ha was charged to me was not a part of the claim. Finally the claim amounted to {$2500.00} that i do not owe.I refered this claim to the XXXX XXXX XXXX on advice from a friend that had worked with the XXXX  and had seen that they could help my situation. Bank of America continues to send me letters that say they denied my claim to these debts, XXXX  sugested i contact you in this matter.

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 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/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 2018-01-09
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
COINBASE Authentication Failures : I have been unable to access my Coinbase account for nearly a month due to issues with their Two-Factor Authentication ( 2FA ) System. 

Prior to this, I had an active account for nearly two years and had no problems with conducting many transactions. Coinbase is now effectively holding my money, without authorization, and has provided no method for resolving the problem. 

I contacted Coinbase Customer Support on XX/XX/2018 and after 53 minutes on hold, I was connected to " XXXX ''. I was told that I had to use an automated system to reset my authentication. I explained many times why this could not work for me. I escalated to a Supervisor, " XXXX '', who after nearly 30 minutes of work agreed to escalate my issue in their queue. She provided no accountability, and all I have received so far is a copy of an internal e-mail that she sent to their escalation queue. I asked many times about how to contact them again to follow-up, as I was certain that this problem would not be resolved in a timely manner. I spent a total of 93 minutes on the phone, and was told that there was nothing else that they could do. It was clear that they expected me to give up on the issue entirely, though I refused to accept that as a " resolution ''. 

This problem is extremely widespread based on hundreds of posts online, and I have been informed that the current queue of lockout requests is in excess of 76,000 requests! I have no confidence that I will EVER be able to access my account, as this issue started nearly a month ago. I need the funds to cover expenses and consider this extremely urgent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: SYNCHRONY FINANCIAL
State: NY
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 several hard inquiries that I never applied to. 
Here is the list of false hard inquiries : On XXXX : 1. XXXX : Inquiry from XX/XX/XXXX 2.XXXX : Inquiry from XX/XX/XXXX On XXXX : 1. XXXX XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX : Inquiry From XX/XX/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 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting an incorrect coding of the XXXX XXXX XXXX partial account number XXXXXXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This account needs to coded as an M1. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debt collection agency continues to call and harass me all hours and send notifications by mail. This " debt '' is over 7 years old. Resolved. 
I have asked repeatedly to quit calling and mainly how did they get my number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24
Company: EQUIFAX, INC.
State: AL
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:
Equifax. They show my current address to be in North Carolina. I have never lived in North Carolina. I have lived at my present address in Alabama for ten years. When I talked to them, they shrugged and said it was reported by a merchant and it was staying on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Experian Information Solutions Inc.
State: MA
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:
RE : REMOVE ACCOUNT FROM CREDIT REPORT To Whom It May Concern : This letter is in response to Experian 's recent claim that AcceptanceNow, verified the account they are reporting is accurate with a debt in the amount of {$4200.00} or {$4200.00}.

Remove this account from my credit report due to the following circumstances : 1. DEBT CAN NOT BE VALIDATED. After over 30 requests for validation via phone and mail and online over the course of 150 days which is 5 times the 30-day LEGAL REQUIREMENT I have not received validation of this debt!

2. DISPUTES DATES OF LAST PAYMENT/OPENED/ OF FIRST DELIQUENCY/BILLING/CLOSED. Remove due to inaccuracy in dates of last payment and of first delinquency.

3. CLAIMS INACCURATE INFORMATION : Remove due to inaccurate balance information as there should not be a balance for a closed account, charge off should need continually be reported. 

This debt can not be validated obviously as I have sent numerous requests for a contract bearing my signature, statements and who Experian spoke with specifically as well as what documentation was used to proclaim this debt as valid. 

This has since caused me great harm as my children had XXXX XXXX and we were unable to get the proper shelter we needed due to this degradation of my credit score.

I have also not been able to finance a car due to this incorrect information that is deteriorating my credit core and quality of life. I have a XXXX-year-old who RECENTLY HAD XXXX  that I can not drive to necessary appointments or school due to this impact to my credit.

This is defamation and causing me and my family great harm. 


Any automated response or e-Oscar verification is unacceptable. I am requesting a removal of this account. 

EXPERIAN IS THE ONLY ONE HOLDING ON TO THIS FALSE ACCOUNT THAT WAS ALREADY REMOVED FROM XXXX AND XXXX IN XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 requesting an investigation into the fraudulent frivolous unknown unauthorized accounts that's reporting on my credit files. I'm asking for the details of this investigation or as printed in the laws of the FCRA if not then remove the following accounts.

1 ) XXXX/ XXXX 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX {$370.00} 4 ) XXXX   {$180.00} 5 ) XXXX XXXX {$150.00} 6 ) XXXX XXXX 7 ) XXXX XXXX XXXX   {$610.00} 8 ) XXXX XXXX {$41.00} 9 ) XXXX XXXX {$40.00} 10 ) XXXX XXXX {$20.00}

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 2022-01-13
Company: CORELOGIC INC
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In 2015 I first contacted all 3 bureaus requesting a correction, monitoring and also tried to dispute the accounts that I didn't authorize. I sent in all identifying info they asked for. Still no changes. I am still having problems with the same issue please assist me in correction of this situation.

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 2017-07-31
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up for a delta platinum credit card with a XXXX bonus skymiles offer. The terms of the offer were that I had to spend {$3000.00} in three months, pay a {$190.00} annual fee, and receive these miles. I spend {$3000.00}, some through merchants, and a portion by purchasing American Express Serve card loads. After completing the spending, I called customer service, and they told me the money was spent and I was set to receive the bonus miles on the next statement. I never received the points. I called customer service, was transferred around for hours with no resolution. They told me they would open a claim into these missing miles. I never heard back from American Express, so I called them six months later. They told me I was ineligible to receive these miles, since somewhere buried in the terms and conditions was a provision that spending money through serve was not counted as spending. My issues are 1 ) in the beginning, the agent told me I had met my requirements. Had she mentioned that the spending through serve did n't count, I would have found another way of meeting the spending. 2 ) When I called to ask why I did n't receive the points, I was still within the three month period. Had I been given a direct answer right away, I could have spent money in another fashion to meet the deadline. 3 ) They promised to get back to me and never did. 4 ) When I spoke to American Express 6 months later, they informed me why I was ineligible to receive the bonus. When I explained my grievances, they were cold and refused to honor my request or even give me some form of compensation. They even refused to refund my {$190.00} annual fee.

Company response to consumer: Closed with explanation