BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax & XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court  system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax & XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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:
I recently placed a fraud alert on my credit file that indicates anyone who runs my credit needs to call me. I have pulled my credit report and noticed that there are inquiries on my report that I did not authorize nor was I notified that my credit was being pulled and this action violates my consumer rights. I have reached out to credit bureaus numerous times about this situation to notify them that my credit was pulled without my authorization. I've contacted the creditors about these inquires and I was notified that they were in the process of being deleted.They have yet to be deleted. These inquiries are fraudulent inquiries and should be removed from my report. I have not received a proper response from Equifax about this matter. Only a letter stating their " definition '' of an inquiry, but no factual evidence that these were a result of my actions or that i was called before the credit was being accessed. Please remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate based on the results of the reinvestigation and They are violating FCRA 15 1681 eb for reporting information that is not 100 % accurate. 

Did not receive a 1099-C form " Cancellation of Debt '' from none of these lenders below : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-05-03
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX, XXXX amount {$15000.00} Letter to remove inaccurate credit information. Sent to all 3 credit agencys. Need XXXX to remove. Hunter Warfiled Inc XXXXXXXX XXXX XXXX XXXX XXXX FL

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my three major credit reports, and I noticed there were a number of medical collections being reported by Commonwealth Financial. They are from 4 to 5 years ago, but only began reporting at the end of XXXX. I never knew these collections existed before seeing them on my reports. I have disputed them with the various bureaus, but they arent all deleted. Some, Commonwealth Financial reported back as verified as being accurate. Ive looked into it and see that Commonwealth Financial isnt even a legitimately licensed collection company. According to the clerk at the Florida Office of Financial Regulation, she said that Commonwealth 's license to collect debt in Florida was revoked in XXXX. Im not sure if this has something to do with why Im seeing collections that Im not sure even exist, or what is happening. But I dont understand they can verify debts they arent even licensed to collect on. And if they cant collect, how are they supposed to inform me of it so I can properly get it taken care of before it ruins my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Foris DAX, Inc.
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I received a random message from a lady XXXX from California to discuss cryptocurrency investment and having more growth opportunities in the future. I wasn't interested at first and somehow got convinced after continuous follow up. I started doing this with a minimal amount of XXXX  . This is the company this lady referred to me and it is a crypto trading platform. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I set up the account and did trading. And, Invested in their staking options. All were going well, and able to withdraw the crypto and convert it into XXXX and deposit it into the bank account. It proved to work end to end. So, I believed more and started investing more. I was influenced to invest more to make more money as part of the XXXX merger that happened in XXXX 
I invested about XXXX, and the lady lent me XXXX thru crypto and did trading, and my account was more than XXXX in the middle of XXXX. This lady XXXX also funded me as XXXX XXXX. The deal is to use her as a referral so she will get the bonus benefits, and also, I should be paying back her fund as i start getting the staking bonus every day. I have been doing this for a month. Meanwhile, there was an offer from the crypto company that if I invested more than XXXX, I would get 50 % of that as an investment bonus. Also, this lady said she could help me pay XXXX. So, I agreed to invest XXXX to get a bonus of XXXX. She paid only XXXX and the remaining, and she can't help due to cash flow issues from her side. So, she continuously pushed me to pay the XXXX to get the bonus before the due date. I did it and got the bonus, and currently, my account shows XXXX. I tried to withdraw XXXX, and the issues started. They locked my money, claiming I was using another account and using the same device to login and committing fraud with their system and I was asked to pay XXXX as a penalty which is XXXX XXXX of XXXX profit I received. I reached out to their customer care ( only via chat and they don't have direct contact ph number ), and asked if they could deduct from my existing money and pay back the remaining, but they refused and asked me to pay the XXXX to withdraw the money. This is where I started as a victim, and here I am now. 

I sent all my crypto coins via crypto.com XXXX deposit thru crypto XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX Total= {$290000.00} I have created a dispute against this issue using XXXX. This is a paid service and I have already paid XXXX as an advance to create a dispute against my case to recover my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Please REMOVE to my credit report the FRAUD ALERT I did not authorize anyone to add it to my report, kindly remove it ASAP.

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 2022-07-18
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX  of XXXX my mortgage company XXXX stop accepting my payments which were sent on a regular basis then they proceeded with a false accusation of non-payment to create a foreclosure scenario only to discover that the payments I had made have been cashed but returned to me as if they were returning my money evidence will follow to this effect. Wire fraud may come into play because I use money orders they return the money orders to me with the letter stating we are returning your money when checked we found that the money orders have been cash but the money was not accredited to any account that I owe

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: The CBE Group, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CBE GROUP FOR XXXX PLACED A FALSE COLLECTION IN MY CREDIT FILE. NEVER HAD A ACCOUNT WITH XXXX NOR DID BUSINESS WITH XXXX. PLEASE REMOVE THIS DISPUTED INFORMATION IMMEDIATELY! THIS IS INDEED 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 explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on XXXX, XXXX on XXXX, XXXX on Equifax. See attached screenshots as proof. 

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

XXXXr CUSHMAN v. XXXX XXXX CORPORATION ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE 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 2022-07-18
Company: Albert Corporation
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for an Albert account on XX/XX/XXXX using a referral link. I received a {$500.00} bonus on XX/XX/XXXX per the bonus terms. The terms were to receive a direct deposit every 30 days for 90 days as well as spend {$100.00} on the debit card every 30 days. 

I referred my wife for the same {$500.00} bonus on XX/XX/XXXX after signing up, and have provided Albert with the sign up link used by her. The link is : https : //app.albrt.co/YHrnLvPrfpb. 

She has completed all of the requirements of the original terms and has not received her bonus. I have also not received my bonus per the offer terms. 

XX/XX/XXXX : My wife contacted Albert XX/XX/XXXX : They replied to my wife that there is no evidence of a referral link being used and to have the person who referred her to contact them. 

XX/XX/XXXX : I contacted Albert, they said they will look into it and thank you for the patience. The agents seem to be different each time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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: Their investigation did not fix an error on your report

Complaint:
I recently disputed items on my report that are inaccurate. The credit bureau has failed to do a proper investigation and my rights are being violated. The FCRA says my report must be 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX Account Number : XXXX As a consumer by law, this account must be deleted 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
Consumer complaint received 2022-07-18
Company: JPMORGAN CHASE & CO.
State: FL
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 a fair credit reporting act [ XXXX XXXX  # XXXX and XXXX and XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX ] has violated my rights. U

nder 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I reached out to each of the XXXX credit bureaus by mail to investigate two XXXX accounts on my credit report. The account numbers are XXXX and XXXX. Each of the bureaus stated that they updated or modified the accounts. In particular, I wanted the bureaus to verify the account the history where I observed the discrepancies. As a result, after their investigations, the credit bureaus continued to illustrated different information that is not 100 % accurate. 

For instance, the XXXX account ending in XXXX is reporting 180 days late on XX/XX/XXXX in my XXXX report but is reporting 120 days late for XXXX and TransUnion for the same month, XX/XX/XXXX. 

Similarly, the XXXX account ending in XXXX is reporting 180 days late on XX/XX/XXXX in my XXXX report but is reporting 120 days late for XXXX and TransUnion for the same month, XX/XX/XXXX. 

Based on 15 USC 1681i ( a ) ( 5 ) ( A ), " an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. ''

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 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have disputed the inaccurate information found on my credit report regarding the XXXX XXXX 's XXXX XXXX XXXX, however it does not seem as though they have been fully investigated. I believe fraudulent activity is occurring regarding this account because the credit union never paid any money on my behalf or to me and were never actually out of any money. They have written off the account and sold the account to a collection company, so they have been paid on the account, however they are still reporting and updating a balance every month as if I owe them. To my understanding, this is considered a violation because it would have to have a {$0.00} balance. On top of that, when I have called the credit union to resolve the issue, they tell me they can not speak to me or perform any actions regarding this account because they no longer own it and I should have or will be contacted by the agency who owns it. I have requested to have this information removed immediately because it is a violation of my rights and is negatively impacting me. XXXX of the bureaus actually took the time to investigate this and already removed the information.

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 2022-07-18
Company: Genesis FS Card Services, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit card was used for multiple purchases, at {$50.00} a time until that person has hit my max. They have determined that the charges are fraudulent but it takes times to correct. In the meantime it got reported to the credit bureau that I am not paying my bill. But it was fraudulent use of my credit card and they said they would fix it. I need this removed from my credit report please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized inquires on my Trans Union Credit Report. I have sent letters asking the credit reporting agencies to give me information on the the inquiries including my personal authorization allowing the companies to pull my report. The credit reporting agency has not provided the information I 've ask for. I received notification that the information had been verified and I know that ca n't be the case because I did not authorize the inquiry.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 with all three reporting companies multiple times and nothing has changed. I dont have anything negative on my credit report other than this, which is XXXX XXXX mistake that Im getting punished for. They called me about my card not working XX/XX/XXXX and informed that I was a few weeks late. I was informed that call was being recorded. I made a payment and authorized them to take automatic payments over the phone. The customer rep explained everything to me and I asked her if it was going to come out automatically and she stated on that recorded phone call that it would. They never charged the card. Ive tried calling and talking to them but dont get any where. I have been hung up on numerous times. Now I have a late payment on my account for being lied to on a recorded conversation that they wont pull up to investigate.

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