BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX his isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant get aproved for anything which is casing me even more XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: WA
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:
I received a notification of a reported address change from my identity theft service on XX/XX/XXXX, stating the Equifax had changed my current address to a residence in XXXX, XXXX XXXX. That address is for a home I sold in XXXX and have not lived at since. I currently live in XXXX, XXXX. I immediately filed an online dispute with Equifax on XX/XX/XXXX, and provided my renters insurance declarations page and my electric bill which showed my current address. The confirmation number with Equifax for that dispute is XXXX. I received a response back the same day from Equifax wherein they incorrectly confirmed I live in XXXX XXXX. I filed a second online dispute of the address Equifax shows as my current address on XX/XX/XXXX. The confirmation number with Equifax for the second dispute is XXXX. In that filing, I included copies of my XXXX  driver 's license, my most recent electric bill for my XXXX apartment, the first page of the lease for my XXXX  apartment, the registration certificate for my car in XXXX state, my auto insurance card foXXXX XXXX, and an email from Equifax promoting auto insurance in the state of Washington, wherein Equifax effectively confirmed that they know I live in XXXX. I received the results of my dispute from Equifax about nine hours later on XX/XX/XXXX, wherein they again confirmed I live in XXXX XXXX which is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: DISCOVER BANK
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/19, I settled a Discover Card account in full. I owed {$XXXX} and paid {$XXXX}. I have a letter that says this is settlement in full, however, my credit report is showing I still owe a balance. XXXX investigated but says my balance is still {$XXXX}. Even after I provided the letter as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21
Company: Johnson Mark LLC
State: HI
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:
X/XX/17 I received a Court Document Notice of Appearance of Co-Counsel : Certificate of Service -dated X/XX/2017 from In the District Court of the First Circuit Court XXXX Division State of Hawaii about Notice of Appearance of Co-Counsel- regarding a  debt from XXXX XXXX XXXX . ( Which said company does not appear anywhere on any of my credit reports ) I have never received any communication about this debt from XXXX XXXX XXXX and or Johnson Mark LLLC, - Lawyers listed on XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) Also Listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( with this law office ) This is my first notification about this debt collection- Again XXXX XXXX XXXX does not appear anywhere on my credit reports- so what debt are they collecting for -- -- I am preparing to send a certified priority letter ( hopefully to mail out XX/XX/XXXX ) to them about verification of said debt - under Federal Trade Commission 15 U.SC, 1629g Again I have never received any communication about this said debt and this collection company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I made multiple transactions with Coinbase over 2/3 days. When I made these transactions with my card I was charged the amount in pounds, however when it showed up in my account it was in dollars. I did not notice this until I changed the currency used on the app to pounds. I have attached all of my transactions with Coinbase along with the transaction from my bank account ( XXXX XXXX. If you look at the times on the transactions you can see which related to each one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Well in short for several years now, I have been trying to pen a personal checking account with Chase Bank, XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX. I wasn't ever given a reason at any time why they wouldn't extend to me an account. Every time I went to open an account, they open it and after a second verification process, they close the account. when I speak to a supervisor all they can tell me is there are note in my profile that say do not open an account for me, but they have the right to not share the reason and that's all I get so all I want to do is know the reason and all I want to do is to resolve the matter and repair and reinstate my relationship with the institution please help me thank you. 
Dates XXXX XXXX XXXXXXXX XX/XX/XXXX Dates JPMORGAN Chase XX/XX/XXXX XX/XX/XXXX Dates XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Lending Club Corp
State: NV
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:
There are two accounts that DO NOT Belong to me on my credit on XXXX these are not mine I have no clue why they are even on my report or what they are for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
proposition XX/XX/XXXX allows homeowners to transfer the old property tax base to their new home if your XXXX and older or have a XXXX. My taxes were reduced from {$8600.00} down to {$5200.00} back in XX/XX/XXXX. Pnc bank could not figure it out. The kept telling me that they were working on it and never did, XXXX county issue me XXXX bills XXXX for supplement tax bill and a yearly tax bill which added up to be less than {$5000.00}. I sent them all of the information XXXX times still no resolve. So i just received a new tax bill for XXXX on XX/XX/XXXX and requested again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, nXXXX XXXXXXXX, XXXX XXXXXXXX, XXXX and XXXX. still no resolve. I emailed PNC Bank a copy of my new tax bill on XX/XX/XXXX. PNC bank received it because they paid the bill. and sent the XXXX escrow overages of {$1600.00} x XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very unhappy with the credit bureaus. They are not doing their job at all. Back in XXXX of this year I submitted disputes with them on collections that should not be on my reports. XXXX XXXX is past 7 years on both accounts. XXXX XXXX XXXX XXXX should have never been on my report that was reported in total error, XXXX XXXX XXXX XXXX. I do not owe them any money since the place was already lease before I even move out.. I do not understand why this is XXXX and I still have not heard a word from any of the bureaus regrading these issues. The disputes I sent were very clear on what I wanted done and who they were what more do I have to do to get this resolved?

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 2021-11-22
Company: EQUIFAX, INC.
State: NC
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:
XXXX refused to accept and returned my ontime payments in XX/XX/2021 and XX/XX/2021 after forbearance. They subsequently reported me INACCURATELY as XXXX  days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Uptain Group, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about XXXX/XXXX/XXXX I was taken to the emergency room by XXXX XXXX XXXX -these charges were covered by my employer heath plan

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2021-11-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My dispute is with XXXX. I let a person that I thought was a technician log on remotely to my computer. My XXXX account was hacked and sent someone named XXXX XXXX {$34.00} on XX/XX/2021. On XX/XX/XXXX money was sent to XXXX XXXX in 2 amounts of {$77.00}, and {$23.00}. I immediately reported these transactions to XXXX and they sent me notices that they were NOT unauthorized, they were a usual transaction. I called the fraud department and told them that my computer had been hacked and that I have never sent money out of my account to any person. All I used XXXX  for was XXXX and XXXX. They said they would look into it and I just got an email saying they are all authorized transactions. They are not and even an XXXX could look at my account and see that this is not my usual transactions. They also wont let me close my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Since XX/XX/2023 I have been asking the credit bureaus to investigate everything on my credit report to make sure it is reporting 100 % accurate. However, the credit bureau Transunion sent me a letter stating that the letter I sent was not from me and that it was from a credit repair agency! I have told Transunion over and over that it is myself a natural person disputing all inaccuracies on my report I send my driver 's license, social security card, and documents with my certified or first-class mailings, they are still failing to do their job! 


Please see the attached 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 2021-06-27
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Jefferson Capital Systems furnished an alleged debt on my Credit File. I requested debt validation along with my request for information outlining their right to collect a debt from me. Jefferson Capital Systems responded by providing information outlining a debt owed to an entire different entity along with a created document from themselves that ( says ) that they purchased a debt and I am liable. Jefferson Capital Systems failure to produce the purchase agreement and or quit claim, in which I specifically requested leads me to believe they are attempting to collect a debt under false pretense which is a violation of the Fair Debt Collection Practing Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25
Company: STERLING JEWELERS, 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   debt and mortgage showing on my   XXXX   all  XXXX  matter fact i 've never bought a mortgage and  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: OK
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:
Under 16 CFR 433.1-Business Arrangement and Contract 15 USC 1684-XXXX Liability 15 USC 1692 ( b ) -Permissible purpose The Company disclosed my account information without my permission and/or consent ; there is no Contract andor Business Arrangement ; In turn, testifying false and misleading formation, which I did not give nor gave them any permission to report. Creating an adverse action affecting my credit file in a negative way. There is no Contract or Business Arrangement. I seek all damages and remedies applicable to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: NC
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX Bank continues to " run '' my credit history even when I put them on notice numerous of times. I never consented and I even filed a Fraud Alert with credit card companies to stop anyone from running my credit history resulting in a hard credit inquiry on the report, thus reducing my credit score. I want the hard credit inquiry removed. Why does XXXX continue to hurt consumers credit history?

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 2021-11-23
Company: Merchants' Credit Guide Company
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account Name : MERCHANTS CR Original Creditor : XXXX XXXX XXXX Account Number : XXXX and XXXX Balance : {$480.00}, {$850.00} and {$580.00} This letter is a formal complaint against MERCHANTS CREDIT GUIDE, a collection agency located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. 
First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
On XX/XX/2018, I disputed an inaccurate medical collection item on my Experian credit report as the account was paid by insurance and the company was not to balance bill per the contract they had with the insurance company, yet they still did. On XX/XX/2018, I received notice that the dispute investigation had been completed and the item had been removed from my credit report. 

On XX/XX/2018, I noticed that the account had been added back to my credit report. I again disputed the item, advising Experian that they did not send me proper notice that the item had been reinserted. I received an update on the dispute that the account would remain on my report. 

According to FCRA 611 ( a ) ( 5 ) ( b ) ( ii ), " Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. '' This account is not a valid debt, and despite my efforts to get the creditor to remove it, they will not. Experian deleted the account for a reason, and has no grounds to reinsert it, especially violating the FCRA and failing to notify me of the reinsertion in a timely manner.

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