BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
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:
My name is 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 2018-01-22
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 was told that What they had was accurate when i never made thise inquiries and the false address wad never removed. I have never been to Arizona so I know I should n't have an address there. The numerous inquiries made by multiple agencies wo n't be removed. Also late fees for things that are 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 2018-01-22
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have repeatedly disputed the accounts with ALL the of the major credit bureaus stating I do not owe XXXX XXXX XXXX XXXX. The credit bureaus all come back stating the information has been verified. XXXX XXXX XXXX XXXX has been paid to the original creditor by my insurance company before any collections. XXXX XXXX XXXX XXXX Is reporting to unpaid accounts on all my credit reports that are incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-20
Company: GOLDMAN SACHS BANK USA
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:
On XX/XX/XXXX, I received notice form XXXX  that my dispute with Goldman Sachs had been completed. Came back with the information was verified as true. Shows I paid {$10000.00} and still owed over {$11000.00}. This is not true. I have attached a letter from them stating the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXXDate of inquiry XX/XX/2020 XXXX XXXXDate of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: SUNRISE CREDIT SERVICES, 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:
cra violaton sent po report XXXX has let their breach miss up my credit with everyone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1900.00} {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1200.00} {$1200.00} XXXX XXXX XXXX XXXX XXXX, NY 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 explanation
Consumer complaint received 2018-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have repeatedly disputed the accounts with ALL the of the major credit bureaus stating I do not owe XXXX XXXX XXXX XXXX. The credit bureaus all come back stating the information has been verified. XXXX XXXX XXXX XXXX has been paid to the original creditor by my insurance company before any collections. XXXX XXXX XXXX XXXX Is reporting to unpaid accounts on all my credit reports that are incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Convergent Resources, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have repeatedly dispute and asked for verification verifying the validity of a account XXXX XXXX is reporting in my credit about an account original belonging to XXXX. I have NEVER had any account or did any business with XXXX. I asked for documents with signatures or proof this account belongs to me but have never received anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I withdrew exactly XXXX from Coinbase on XX/XX/XXXX ( XXXX ) which on the Coinbase account shows Completed transaction but I never received the funds to this date XX/XX/XXXX to my bank account. I think what happened was that on the Coinbase account even after verifying with my new Passport and the Bank Account it did n't change the name on account to my name. We first opened it with my mom but since the names on the Coinbase and my Bank Account has to match that 's why I verified again and with no name change turns out. 
I know the name on Coinbase account and Bank Account has to match in order for the withdrawal to complete but now I 'm in a position where before withdrawing I tried to change the name by re verifying and thought it did it but it did not have been trying to contact the Coinbase support now for weeks but with no answers at all & the transaction on Coinbase account shows Completed for me but no money on bank account. 
Now for a while I 've had my full name there it 's just the support is n't contacting at all!! 

Case # XXXX Withdrawal reference - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: GA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX XXXX Wrong Address : XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
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: Public record information inaccurate

Complaint:
I recently applied for a business loan and was denied, due to a bankruptcy that is not mine but of someone with a similar name, the information that the credit reporting agency is not verifiable or accurate. I have attempted to resolve this matter with Experian, they did remove it during their investigation then began reporting it through their agency without notifying me 5 days prior according to my FCRA consumer rights,

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 2021-12-06
Company: Santander Consumer USA 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:
I opened an auto loan with Santander Consumer USA for a used car in XX/XX/XXXX. I had to voluntarily surrender my vehicle due to XXXX in XXXX. I made a settlement agreement with the company to pay {$2500.00} within roughly 18 months. I recently paid off the closed account, in full of the {$2500.00}, on XX/XX/XXXX. The balance should be {$0.00} on my credit reports, but it is still showing that I owe a balance of over {$3000.00}. I have called each credit bureau to dispute the information and open investigations. I am in the process of mailing documentation to each bureau and Santander Consumer USAs credit department. Santander Consumer USA claims they reported the balance to each credit bureau but it does not reflect that whatsoever. I am not receiving the help I need to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Experian Information Solutions Inc.
State: GA
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 was recently given a 2 month extension on my lease as assistance because of the government shut down. I was assured that XXXX was doing this to help us but they failed to process the extension correctly and reported the loan as 30+ days late when its not late due to the extension. I have called several times and they have failed to update it to correctly report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Phoenix Financial Services LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last year I discovered several medical collections on my reports that I did not recognize. I contacted the XXXX XXXX of Georgia  hospital and after an investigation they concluded that they did not belong to me. A collection agency called XXXX XXXX was reporting the debts. The debts were removed in XX/XX/XXXX of last year. I have now discovered that another collection agency is reporting the same debt that I had removed. The collection agency is Phoenix Financial. I have never heard of this agency and they have never given me an opportunity to dispute the validity of these debts. If they had done so according to the FDCRA then they would have known that the debts did not belong to me and were removed from my reports. I was advised to dispute with the credit bureaus and file a complaint with this agency. This collection agency is using illegal tactics to get consumers to pay collections that they clearly DONT own and that they know they can not validate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing an identity theft account with Transunion that is verified as accurate on XXXX XXXX, however the information on my credit report is incorrect. I am entitled to see the source of the information, which is the original contract that contains my signature, Payoff Disclosure, Interest rate Disclosure, Balance History, Payment History and Credit Insurance Disclosure and Transunion has not been unable to verify the account with the original contract and Disclosures, which is a FCRA violation since the information should've been removed from my credit report within XXXX  days due to the inaccruacies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: EQUIFAX, INC.
State: CT
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 contacted the United States Bankruptcy Court in XXXX Connecticut on XXXX XXXX, telephone number XXXX and inquired about 2 Bankruptcys that are on my credit report, one from date XXXX/XXXX/XXXX and one from XXXX/XXXX/XXXX. I spoke with Bankruptcy clerk XXXX XXXX and stated to her this is showing on my credit report with XXXX, Equifax and XXXX, Bankruptcy clerk XXXX XXXX stated to me they didnt report any Bankruptcy of any kind with my name on it, XXXX XXXX along with another clerk by the name of XXXX stated the Bankruptcy court do not report to any of these agencys. They stated to me they dont know where the got this information from or how, but that didnt provide them this information. And that this information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today XX/XX/2018 I was looking at my credit report and this collection account popped up on my credit report. I have never done business with this company nor do I have a contract with this company. I, as a consumer, have rights under the FDCPA that the FTC enforces. This collection agency has never contacted me in writing to VALIDATE not VERIFY this alleged debt. This collection agency just appeared on my credit report and I have the alert to prove it. If this company does not follow the law properly I will have no other choice but to contact my Consumer Rights Attorney and sue this company. If I owe any company money it must be presented according to the law. And popping up on my credit report out of the blue is not according to FDCPA laws. I have never received anything in writing from Credit Systems International INC., I have never been given the opportunity to dispute and request validation as FDCPA states I have the right to do. THIS IS A CLEAR VIOLATION OF Credit Systems International INC. illegally placing information on my credit report without my consent, knowledge or written authorization as required by the FCRA. I have also contacted my consumer rights attorney who is with the law firm XXXX XXXX XXXX. I have never been given the right to dispute. REMOVE YOURSELVES IMMEDIATELY OR I WILL INITIATE A LAWSUIT FOR VIOLATION OF THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: The Outsource Group, 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: Old information reappears or never goes away

Complaint:
The credit reported as XXXX XXXX is falsifying my student loan debt that I have filed as forgiven numerous times and the company has called and sought the mis use of my student loans on numerous occasions in hopes of gaining money that is already settled. 
In addition, the companies XXXX XXXX, and XXXX XXXX XXXX XXXX perpetuate credit use with XXXX hospital records by switching company names and deleting payments made. The companies were suggested by XXXX XXXX   who received payments and proceeded to perpetuate my payments as well. XXXX XXXX was told to be the account holders of XXXX XXXX to this date. I have paid these companies numerous times and nothing has been shown on my credit report and my account balances continue to exist regardless of my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: GA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$3700.00} XXXX XXXX {$7000.00} XXXX {$0.00} XXXX {$480.00} XXXX {$0.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXXXXXX  Amount : XXXX  XXXXDate Filed/Reported : XX/XX/2014 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX {$240.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX {$1700.00} XXXX  XXXXXXXX {$5700.00} XXXXXXXX {$0.00} XXXXXXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX  XXXXXXXX {$440.00} XXXXXXXX {$2800.00} XXXX XXXXXXXX {$7000.00} XXXX XXXXXXXX {$200.00} XXXX XXXXXXXX  {$500.00} XXXXL XXXXXXXX {$0.00} XXXX XXXX XXXXXXXXXXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2018-01-22
Company: CITIBANK, N.A.
State: NY
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:
hi there, My names XXXX XXXX on XXXX XXXX, 2017, when I was trying to pay for my goods at XXXX XXXX department store, the cashier pitched with a credit card offer I accepted the offer, she took my information, two weeks later I received the XXXX 's credit card, I tried to make an online payment to my new credit card when I was abroad but the website wo n't allow me to create an online account, later when I came back from my vacation, called the credit card to help me create an online account so I could make a payment, I found out that XXXX 's got the wrong SSN in their files thats way I could n't create an online account and, they charged me late fees and interest fees, I told them thats not my problem if they have the wrong information in their system, they apologized and agree to give me my money back ( late fees, interest fee, XXXX $ ), but the could n't do anyting about my credit report because they already reported that I did n't pay them on time, I had XXXX credit score before I get their credit card, they lowered my credit card limit from XXXX $ to XXXX , my credit score drop down to XXXX, I never missed a payment till I got their credit card. 
my goal now is to remove those negative remark from my credit report because it not my fault if they have the wrong information in their system that prohibited me from creating an online account and pay my credit card thanks

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