BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-30
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
For the past several months, I have been in constant contact with XXXX with regards to fraudently placed accounts on my file. I have sent multiple police reports, FTC reports, and military deployment orders, however, these oulstanding accounts still exists. These accounts include XXXX ( amounts : {$6300.00}, $ {$25000.00}, {$29000.00}, {$20000.00}, {$38000.00}, {$63000.00}, {$47000.00}, {$2200.00}, {$2800.00}, {$34000.00}, {$2800.00}, {$2200.00}, {$2200.00}, {$2000.00}, ) XXXX XXXX ( {$130000.00} ) XXXX XXXX XXXX ( {$7300.00} ), XXXX ( {$59000.00} ) XXXX XXXX XXXX  ( {$17000.00} ), Discover ( {$16000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2016 a balance of {$13000.00} appeared on my Transunion Credit report. I am challenging Transunion to verify this account Per ( Section 609 Of The Fair Credit Reporting Act ) This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting.This section of the FRCA places the burden upon the credit bureaus and the creditors to provide the credit bureau a copy of the original creditors documentation ( Whatever I filled out and signed upon opening the account with the reporting creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: EQUIFAX, INC.
State: MN
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 got a notice on my XXXX XXXX  on XX/XX/2020 of a late payment on a closed STUDENT LOAN account in which is no longer reporting on my XXXX credit REPORT because it has been REMOVED. This has caused my credit to go down 30 points. How can this account still be reporting payment history when it is closed and has been transferred to another company. REMOVE THIS ACCOUNT from my credit REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: Experian Information Solutions 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
XXXX Coinbase.com has a mechanism in their support ticketing system that automatically locks a users account. It is effectively a land-mine and I inadvertently stepped on it when submitting a support ticket. Now, I am unable to access my account and their support personnel are no where to be found. It's just an endless series of autogenerated email responses and survey 's. Not only am I unable to access the funds and crypto in my account, I am unable to manage the trades I have on their order book. This has left me in an extremely vulnerable position with no way to contact the company in a timely manner. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Mobiloans, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX I called to extend the payment as my Social Security benefits come once a month. I was told they could not extend the payment to the date I receive my check because I had extended a payment already. This is their policy. I have never received anything from them stating this. My automatic withdrawals are twice a month on a XXXX balance and are charging XXXX with each payment of XXXX this is 2 times a month and I can not reduce the balance.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-16
Company: SANTANDER BANCORP
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My account was hacked. I sent a claim but my money was never returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Concerning dark web data breach and incorrect scoring on my fico

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I wanted to start building my credit because I am close to the age where I want to purchase big things. I've been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card i applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card I had I paid for it and had the account closed. I decided to pull my credit and there are a couple of unknown item that do not belong to me. Please remove these fraudulent items from my report. XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX {$390.00}

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 2021-03-05
Company: Professional Recovery Management
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company reported several accounts on my credit file that are unknown, I requested validation and they were ALL removed and now they are back. Please help nothing was received nor provided. This is false information against me. 

Listing show Fox Collection {$450.00} Fox Collection {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Convergent Resources, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX of XXXX I had XXXX net work installed. I was told XXXX XXXX would install my internet. When XXXX XXXX came to install it, they said I needed to have phone line installed and to call them. He gave his business card so I could call him/ So I did. Then XXXX XXXX was charging me for the installment. Calls to XXXX XXXX and XXXX XXXX billing manager ( 3 way calls ) did not solve the issue. 
Then XXXX XXXX turned the bill over to Convergent, a  collection agency. I answered their letter but it was rejected for not enough information and sent to the credit bureaus. 
The bill started as {$260.00} and now is {$370.00}. 
I have talked to XXXX XXXX billing, a XXXX ID # XXXX. This is the following information XXXX gave to me. Disconnect order # XXXX, XXXX XXXX, XXXX 
my acct # with XXXX XXXX is XXXX. 
I need this item corrected on my credit bureau reports. All 3 credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: VA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Healthcare Receivables Group, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I requested debt validation from Healthcare Receivables and I received back some charges but they changed the account numbers from what I request I requested a validation of debt from this company and they received it on XX/XX/XXXX. They sent back some charges and they did not respond to the account numbers that they have listed in my credit reports which are hurting me greatly. They have sent back fictitious accounts numbers bc they can not verify that this is my debt. The response on my complaint with XXXX  was the I was basically confused on what was an account number. They sent me some foreign account numbers that affected me being able to dispute with the credit bureaus. I will attach proof to this complaint. I have kept very meticulous records of my dealings with them.The correspondence that they sent has my named spelled wrong and an address I am not aware of. I do know my rights and I plan to use them to the fullest extent. I have no idea of these treatment locations nor this debt. I am convinced they are making this up to acquire money from people who don't know there rights. The dates they are showing on this paperwork is incorrect. I have witnesses as to where I was on the dates reported and will have that proof once we go to court. 
I KNOW THAT UNDER THE FAIR DEBT COLLECTIONS PRACTICES ACT WHAT MY RIGHTS ARE : REPORTING INFORMATION THAT YOU KNOW IS BLATANTLY A LIE AND INACCURATE VIOLATE MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT! I do not recognize thus charges and will let it be known that I am disputing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: AmeriCollect
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: Information belongs to someone else

Complaint:
not my account I have not has a account dated XXXX XXXX 2019 with this company for XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I spoke with Wells Fargo 's representative on Thursday XX/XX/XXXX and I was addressing to her my concerns that I have had for Wells Fargo for all the hardship that Wells Fargo have caused in our life from their knowing negligence. 
Unbeknownst to us, we were charged for insurance that we did not need nor request. As a result, we have received late payments marks on our credit report as well as even had our vehicle repossessed. Because of your negligence in overcharging us for a service we did not need nor request, we have experience numerous hardships. 
On XX/XX/XXXX my husband sent an email and letter to XXXX XXXX XXXX regarding our account. At that time, Mr. XXXX was informed that we were trying to purchase a home and asked for help in debt forgiveness for late payments on the account. Mr.XXXX   was also informed him that we were leasing to own because of the credit history with Wells Fargo. We were not late due to the charge of the insurance we did not need because we had our own insurance. Our vehicle was even repossessed due to the CPI that was caused by Wells Fargo overcharging and as a result we had to pay so many fees to obtain our vehicle. My husband also informed Mr. XXXX that I have a chronic illness that has impaired my ability to work and we were on one income and have been for the past few years. 

Mr. XXXX disregarded our email and the letters that were sent to him. So once again because of your negligence we ended up being 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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XX/XX/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 2019-10-23
Company: EQUIFAX, INC.
State: OH
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:
information on the credit report that is not mines. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to preform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 
This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my credit reports and to correct your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX  has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. also states a consumer reporting agency can not furnish a account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency connot furnish a account without my written instructions 15 U.S.C 1681 C. ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, otherthan records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I would like a full investigation and also delete all inaccuracies because i see all in question are all inaccurate i will like all these accounts that aren't mine removed they are putting a strain on my credit and are completely wrong and also are a violation of my rights with wrong addresses and wrong names and completely wrong accounts that i never had at all i want these removed from my credit report immediately

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