BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: EQUIFAX, 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 checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09
Company: EQUIFAX, 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 hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates, LLC has been sending me notices in the mail for a few years now about a XXXX debt that is not mine. They keep saying they will be collecting {$76.00} from account ending in XXXX. The next payment is supposed to be XX/XX/XXXX of 2022 but the account is not mine because the debt is not mine. I filed a complaint already through this site years ago and I'm sick of getting the notices. I contacted them by phone and let them know I was not the holder of this debt but they are apparently too incompetent to actually collect the debt. Seems pretty important that a debt collection company would know how to actually collect the debt... .but that's just me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX  / XXXX / {$0.00} XXXX XXXX / XXXX / {$420.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2023-08-17
Company: EQUIFAX, INC.
State: OH
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: Experian Information Solutions 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:
IN XXXX WE TRUST GURANTEED I am an AMBASSADOR of XXXX TO XXXX Notice of subrogation Notice of Equity My name is XXXX XXXX XXXX XXXX XXXX XXXX of the PRINCIPLE DEBTOR ( XXXX  ) with all rights reserved without recourse and i am giving notice of subrogation and notice of equity. I am the implied surety and I am giving notice to implied debtor to DELETE these accounts from my consumer profile. As i am now in the shoes of the creditor I am owed all collaterals these Line of credits that have been accumulated. I am not looking for any monies as EQUITY represent " done what it ought to have been done '' as this maxim means that when individuals are required, by their agreements or BY LAW, to perform some act of legal significance. 

XXXX XXXX " You shall not go about as a slanderer amoung your people, and you are not to act against the life of your neighbor ; I am the XXXX '' Tradelines XXXX 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 explanation
Consumer complaint received 2022-01-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2021 I applied and was approved for Chase Bonvoy Boundless credit card. On my application, I gave my Marriott XXXX  account number.

Upon meeting minimum spend, I should receive sign-up bonus of 125,000 Marriott XXXX  points and 1 free night certificate redeemable at any hotel night stay of up to 50,000 Marriott Bonvoy points I met the minimum spend on XX/XX/2021, but I did not see any points deposited into my Marriott XXXX  account I reached out to Chase through Secure Messaging on XX/XX/2021. On XX/XX/XXXX, I heard back from Chase through Secure Messaging that a new Marriott XXXX number has been created for me, and that I should reach out to Marriott to combine the two different Marriott accounts. 
I do not understand why Chase had created a new Marriot
t XXXX  account for me. Taht is not what I had asked for. Nonetheless, I reached out to Marriott to have the two accounts combined.

Marriott claims that the name on my original account is not the same as the account Chase had opened for me. Marriott also asked for name change documentation. There has been no name change on my end. I do not know what Chase has done and why Chase had opened a new account that is not under my name.

Since Chase did not deposit the 125,000 Marriott XXXX  points and 1 free night certificate into a Marriott account that is available to me, this is effectively the same as denying me the sign-up bonus.

I had been given the runaround by Chase and Marriott people many times. I have no recourse but to file this complaint hoping CFBP can help me. 

Thank you for your kind attention. I look forward to seeing Chase rectify the situation and deposit XXXX points and the free night certificate into my Marriott account.

Attached you will find communication from Marriott claiming that the two Marriott accounts have different names even though you can see that they are not different.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Premier Student Loan Center
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I signed up for PREMIER STUDENT LOAN SERVICE in XX/XX/XXXX. They told me I had to make 4 payments of {$240.00} and after that I would pay $ for 20-30 years. They got my loan down to {$5000.00} - {$5900.00}. I made my payments on time every month. I got a letter from XXXX XXXX XXXX some time in XXXX says I pay {$0.00}. I get a call XX/XX/XXXX says Im past due on my student loans. I thought I was paying PREMIER LOAN SERVICES. I tried to call no answer go on they website to find out they were being used. Look on my XXXX  credit report and I have an address on my report that is located in California. Never been to California before in my life. Go to renew my fasfa to start school again and Im locked out they changed my email and phone number, so I couldnt login in. Had to call FAFSA to get everything back working. So basically I was scammed.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Willful non-compliance as per FDCPA 807. False or misleading representations 15 UCS 1962e. 
I wrote my first letter On XX/XX/2020, Second letter on XX/XX/2020, Third letter on XX/XX/2020, to Portfolio Recovery Associates LLC to request validation of debts they claim I owe. $ XXXX $ XXXX $ XXXX {$910.00} of which they are reporting to the credit bureaus ; I formally disputed their claims. I not only disputed their claims but requested my signature as validation of said debt within 30 days of receiving my requests. They not only failed to provide me with validation, they didn't respond to me at all and continue to report as of today XX/XX/2020 which has been detrimental to my credit score for debt they unable to validate as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
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:
i previously notified you that I am a victim of identity theft. I am also stating that I did not receive any good or anything from the false information that is on my report that belongs to someone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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/2023, I sent a letter regarding inaccurate and unknown things on my credit report. Over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have 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 non-monetary relief
Consumer complaint received 2022-01-28
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I had money in my tether account bought from US dollars that was stolen from a scam. The website is XXXX and I have seen a lot of other people were scammed also by them. They took {$120000.00} out of my coinbase wallet and now are demanding that I pay capital gains taxes upfront of {$56000.00} to get my money back. I have everything paper trailed, filed a police report, a complaint to the fbi, notified tether and coinbase asking them to freeze the wallet addresses of those who stole from me. I haven't gotten anywhere. Please help there are many more of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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:
I recently received communication from Experian, XXXX, and XXXX attempting to collect an alleged debt. 
I send a letter to Experian, XXXX, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following XXXX. Name and address of Alleged creditor : XXXX. Name on file of alleged debtor : XXXX. Alleged Account # : XXXX. Address on file for alleged debtor : XXXX. Amount of alleged debt : XXXX. Date this alleged became payable : XXXX. Date of original charge off or delinquency : XXXX. Was this debt assigned to a debt collector or purchased? __ No ____Yes XXXX. Amount Paid if debt was purchased : XXXX. Commission for debt if collection efforts are successful : * Agreement with your client that grants Experian, XXXX, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. 
* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No Experian, XXXX, and XXXX never responded! 

Furthermore Experian, XXXX, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that Experian, XXXX, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Experian, XXXX, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. Experian, XXXX, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-08-17
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a natural person and consumer. EQUIFAX has violated my federally protected consumer rights. I am writing the on my own behalf. I have suffered several damages due to EQUIFAX violating my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
-- -- - I have been an authorized user on Acct # ending in XXXX for almost 2 years -- -- - In the past year, since XX/XX/XXXX, I transferred {$13000.00} into Acct # ending in XXXX from my own personal accounts. 


-- -- - On XX/XX/XXXX at XXXX, I withdrew {$3800.00} cash from Acct # ending XXXX at the Teller Counter at the XXXX XXXX in XXXX XXXX CT. XXXX # XXXX Session # XXXX XXXX # XXXX Teller : XXXX XXXX XXXX 


-- -- - Then I went to the XXXX, CT branch ( # XXXX ) and sat with XXXX XXXX XXXX and I requested my name to be removed from Acct # ending in XXXX ( for a personal reason : I no longer wanted to see transactions that my ex-partner ( XXXX XXXX ) was making on the account that were hurtful, which were multiple transactions pertaining to another woman ). XXXX XXXX XXXX completed my request at XXXX. 


-- -- - Then at XXXX, I deposited the {$3800.00} cash into my Acct # ending in XXXX at the XXXX XXXX at the XXXX XXXX. Transaction # XXXX Session # XXXX XXXX # XXXX Teller : XXXX XXXX -- -- - I also informed XXXX XXXX of my withdrawal & the breakdown of the amount at XXXX the same day. The money I withdrew was to pay the mortgage on a house that XXXX XXXX and I both equally own. This information doesn't matter, I had the right to take the money and do whatever I wanted with it. 


-- -- - 15 days later, on XX/XX/XXXX, Chase Bank reversed my CASH deposit of {$3800.00} from my Acct # ending in XXXX leaving my account in a negative balance of - {$2600.00} for over a month now!! 


-- -- - Not only was the {$3800.00} cash deposit wrongfully taken from my account, but now I can not even utilize my account to pay the house bills that are due. I use the Acct # ending in XXXX strictly for house related bills. 


-- -- - Someone at Chase Bank made a huge error by not doing their due diligence in researching to see that I was an authorized person on the Acct # ending in XXXX when I made the withdrawal. 


-- -- - Had I not removed myself from the account and XXXX XXXX went to the XXXX XXXX the next day ( as I was told ) the XXXX XXXX XXXX XXXX have seen my name still on the account and would have told XXXX XXXX there has been no wrongdoing, which there was NO wrongdoing! But because I removed myself from the account the same day I made the withdrawal, no one but XXXX XXXX XXXX was aware that I was fully in the right to make that withdrawal and no one did their homework FIRST OR even contacted me and no one in the claims department did their job properly to see that I was fully in the right to make that withdrawal. 


-- -- - And now here I am fighting for a month and waiting for the CASG that was wrongfully removed from my Acct # ending in XXXX

Company response to consumer: Closed with non-monetary relief