BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
Company: CITIBANK, N.A.
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:
These credit inquiries are unauthorized and need to be 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 explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions 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 below accounts, have violated my rights. 

XXXX  Account # XXXX XXXX XXXX # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX 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. 

XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account 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 non-monetary relief
Consumer complaint received 2019-02-07
Company: Army and Air Force Exchange Service
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Attempted to contact creditor after discharge from military card closed and charged off without warning after discharge. No statements received no contact information to get to someone to pay balance 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 2021-04-13
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Today is XX/XX/21. For at least 3 weeks, I have been trying to sell my XXXX held with Coinbase. Coinbase has my account restricted and will not initiate the transaction. I had gone through their ID verification steps 3 times before it even let me back into my account, including one where I had to take a picture of me holding a sign saying " for coinbase ID verification ''. Now, they are holding my funds XXXX, and after numerous submissions to their customer service letting them know my account was still locked and I could not sell my XXXX, they have not responded a single time! Every day, I try to sell, I can't, then I send another message to Coinbase. Coinbase is ILLEGALLY withholding my funds. I have XXXX XXXX, which as of today is worth around {$12000.00}. I have screenshots for every day proving all of this ( todays ' is attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This letter is to follow up any response from you after XXXX days of investigation. As I reviewed my Credit Report I have noticed that there is still an item that is reporting as erroneous and incorrect information. I was never late on this account on XXXX. Balance is incorrect. This is a good standing account. Please verify all information is XXXX XXXX true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. Please remove all negativity. 



XXXX XXXX XXXX Late Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Diversified Consultants, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt from XXXX  showing amount owed of XXXX dollars. Debt collection company calls every hour requesting payment also has account from XXXX for XXXX dollars I currently have a XXXX account paid to date. Debts are not mine or we forgiven by company while on XXXX XXXX under XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, 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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I went to AmeriSave for a mortgage refinance of my current mortgage. And long story short they overvalued ( AmeriSave mistake or purposedly done ) the price of my house to offer me what seemed to me really good numbers and low monthly payments. They pushed me to go ahead and submit the application and pay the {$500.00} application fee to move the process forward. They even manipulated the numbers to tell me that they would be giving me {$500.00} dollars back at the time of closing. At the time of doing the application the loan officer told me that this money could be refunded if I wanted.

The appraisal came back with a much lower home value and the loan  estimate completely changed and I have to put down over $ XXXX in order to keep the numbers the same. After trying to contact them for a few days about this and reaching no one, finally after a week or so the loan officer calls me back and tells me that my only two options are to bring the cash to close or just move away from this without getting my application fee back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-29
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: Account status incorrect

Complaint:
Experian is reporting a late payment on my credit report that is incorrect. They are reporting on a company that is not on my credit report, yet they are reporting information on it. Experian is reporting a late fee from a company called XXXX XXXX but I do not have a XXXX card on my credit file. 

Experian needs to comply with the Fair Credit Reporting Act that protects me from credit reporting agency Experian using information that they can not verify. The information is inaccurate and must be removed from my credit file.

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 2022-04-02
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection letter sent to me is for a debt I do not owe. It is supposedly for a XXXX XXXX account they claim was mine but I have not lived in an area served by XXXX XXXX until recently. XXXX has sold this fake debt to at least 3 collection companies over the past 7 years and each keeps harassing me about this case. I have asked each of these collection agencies to provide proof that I opened the account they are claiming is in collection and none have been able to. It seems as though each time I do this they play hot potato and sell the account to another agency which starts the process all over again. I have spent over {$1000.00} fighting these false claims in the past only to have the fake debt resold to another collector when it comes time to provide any proof the debt was legitimate. Most recently ( XX/XX/2022 ) I sent a letter to Credence Resource Management to cease and desist all correspondence ( per the FDCPA ) until they were able to provide me written evidence that I opened this account with XXXX XXXX. The have violated this request by continuing to call me multiple times a day interrupting my work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-07
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
From XXXX to XX/XX/2017 company reported late payments on student loans. I was told by company while on XXXX XXXX loans are deferred. I have sent a copy of my XXXX to company. I have had no taxable income since leaving the XXXX in the amount to pay the debt ( currently only get XXXX   XXXX ) creditor told me I am right but still refuses to remove late pays.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
From XXXX to XX/XX/2017 company reported late payments on student loans. I was told by company while on XXXX XXXX loans are deferred. I have sent a copy of my XXXX to company. I have had no taxable income since leaving the XXXX in the amount to pay the debt ( currently only get va XXXX ) creditor told me I am right but still refuses to remove late pays.

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 2022-04-02
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My card was used for purchases that I did not authorize.. I reported to synchrony bank the fraudulent charges and they denied the claim saying that it was shipped to my address which is not true I did not authorize those purchases made under my card. I reported the fraudulent and they added the charges back to my card making me responsible for something I did not buy. I reported again to synchrony bank and they reopened the claim and today I received another letter saying it was denied for the same reason. As stated on the terms of service of the card Im not liable for unauthorized charges. Im opening this claim with the financial bureau because I will not be made responsible for charges I did not make or authorized

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 2020-12-21
Company: EQUIFAX, INC.
State: AZ
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:
Hello, I writing to you because I went through my credit profile and I was shocked what I saw there. I figured out in my credit report inquiries that I have never authorized and plus one unknown account. This highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never gave any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I repeatedly tried to contact IC systems for the unknown account on my credit reports to no avail. This incorrect information is hurting my chances at applying for new credit.

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 2021-09-10
Company: EQUIFAX, INC.
State: CA
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:
XX/XX/2021 : I had my Mortgage Lender pull my credit score from Equifax - Lender told me my account may be frozen. I called Equifax ( XXXX ) regarding possible credit freeze on myself. I mentioned that the mortgage lender could not pull my credit score and would like to unfreeze it. The representative asked my social security number, address, birthdate to provemy identity ; however he could not pull my file. Equifax representative told me to fax proof of identity ( social security card and driver 's license ) with cover letter. As told by the representative, I faxed my documents to Equifax ( XXXX ). 

I am in the process of buying a house and I would need to clear this issue in order to get my loan ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
experian has an account for XXXX XXXX XXXX that is not mine on my credit file in the amount of XXXX i have sent in dispute letters on XX/XX/2021 and have not gotten a response back

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 2022-08-10
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attempted to file a dispute with TransUnion for fraudulent inquiries on my credit report. I could not dispute online therefore I called them. The lady on the phone said that I needed a letter from those who inquired. I informed her that I do not know who they are to contact them. She said that TransUnion does not assist with the dispute without a letter from the creditor. I told her again these were inquiries that I did not authorize and do not know the entity reporting. I have since put a freeze on my account which I've done several times but they seem to get through. Even with XXXX XXXX  XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-02
Company: Westlake Services, LLC
State: CA
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: Problem getting your free annual credit report

Complaint:
I remembered I get the car Way back 2019 In XXXX sports and Westlake financial services there told me 60 months then suddenly become 66 months and told me I pay only 350 my monthly but in the end they can not register my car in New Jersey I need to travel to Nevada and register my car

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 2021-11-10
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I mailed via certified letter disputes for public record information being reported on my credit report as well as negative information for accounts being reported by Experian. Experian received my dispute along with supporting documentation on XX/XX/2020. It has been well over 30 days and Experian still has not started or even responded to my request for reinvestigation, and it is now the end of XXXX. 

They are now in violation FCRA for failure to reinvestigate and and continuing to report false and inaccurate information. 
1. The first dispute EXPERIAN FAIL TO INVESTIGATE IS A PUBLIC RECORD, which they list a 3rd party as a furnisher of information when they are not and had no knowledge of any investigations performed on behalf of Experian. 
2. They failed to investigate specific disputes for accounts Andresw XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX After signing for for my disputes no investigation was ever started nor was I given a reason as to why. 

Experian never replied or reinvestigated my public records dispute after supplying them with documentation of there false reporting. 
Experian never open started or investigated my public record disputed that they sign for on XX/XX/2020. nor did they investigate negative account information after I submitted supporting documentation There are multiply FCRA violations going on here, as well as in my Credit Report 1. The furnisher for the Public Record listed on my report says that they are not furnishing anything to Experian involving my name, I have proof of that. 
2. Experian is listing incorrect and a false information as well as a false furnisher of the information in public record section of my credit report. 
3. Experian did not provide me with original documentation proving their investigation or result. They did not provide me with the Method of verification documents I requested. 
4. They did not do a proper investigation according to FCRA 5. Experian was in violation on the 31st day after failing to investigate The FCRA is very clear on the way disputes are to be handle with the furnisher of the information that it originated from and the Credit Bureau must accurately list that furnisher of information on the credit report. 
The 2 entities that they did list don't have the the legal right to furnish or verify any information or do any investigation. 
Is is also clear as to negative account that can not be verified and that there is 30 days to complete a reinvestigation, which also did not happen here Enclose is the original disputes along with some of the supporting documents, even thou Experian already has a complete set

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