BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
State: PA
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:
I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XXXX XXXX, 2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2019-01-08
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:
Checked my credit today XX/XX/2019 and saw that XXXX has not deleted the account.

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 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I provided documentation from the court and XXXX stating that the bankruptcy ( s ) has been removed. The credit agencies states it gets their public record information from the court and XXXX. Ok if that's the case why is the bankruptcy still reporting on my credit file when I have sent proof showing that the bankruptcy ( s ) been removed from XXXX and the court does not provide the credit agencies information about bankruptcy ( s )?

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 2018-03-08
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I made transaction with my credit card to buy crypto currencies which was successful. 

On XX/XX/XXXX XXXX made a duplicate transaction on my credit card which caused me an extra charge of XXXX dollars which I disputed with my bank. My bank kept the entire amount on the hold and rejected the transaction which was not my intent. 

On XX/XX/XXXX Because of this the XXXX put my purchase ability on hold. I made the payment using my checking account immediately and the funds got transferred to coinbase but never the gave back my purchase ability. It has been two weeks and I payed the amount and I contacted the customer care but I never got any support. I have funds in my account which they neither give access to me and I am loosing more money than the amount it was charge back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions 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:
This credit reporting agency is reporting that I was late on a closed account that I had with XXXX XXXX XXXX XXXX. I disputed this, and the credit reporting agencies have ignored my requests. My payments were deferred in XXXX  due to covid so how could there be a late payment reporting. I contacted the creditor, and they informed me that none of the credit bureaus have reached out to investigate the account I disputed. How are you reporting in inaccurate account that you have yet to verify when I have informed you that it was incorrect? I am demanding that this late payment is removed, and the account is updated immediately. I have already tried to remedy this so I am expecting an update within 15 days or I will be moving forward with contacting the registered agent to move forward with legal action.

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 2023-07-04
Company: EQUIFAX, INC.
State: TX
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 XXXX  account XXXX  number XXXX account XXXX XXXX  XXXX number XXXX and account XXXX  number XXXX has violated my rights.

Law 15 U.S.C. 1681 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-09-21
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. 
XXXX XXXX Date Opened : XX/XX/2016 Balance : {$5600.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-01-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Recently ( XX/XX/XXXX ) I applied for a home mortgage loan with XXXX XXXX. In the process I was informed that I have a collection balance of amount {$140.00} reported on my credit. Firstly I am not sure where it came from and for the past three months I was working with my mortgage officer to figure out what it is and how to resolve it. I had a lot of hospital bills and I used to clear it off as and when required. I remember paying all of my bills around XX/XX/XXXX. Not sure about this debt and I need more information on the same. I tried to contact the collections company several times but no luck. I sent them mails twice ( on XX/XX/XXXX - First class mail and on XX/XX/XXXX- Priority mail the second time ). There is no response yet. I feel that I have been patient enough in waiting for a response after multiple attempts. I am helpless now and not sure what to do. My credit score is down for no reason and I am in a situation to pay more monthly mortgage which is totally unfair. From what I have researched so far, to the best of my knowledge I think this is a UDAAP violation. Looking for support.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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 have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts and information not later than 4 business days after XX/XX/2023. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. Please see the list of the items below : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$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 explanation
Consumer complaint received 2019-07-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number:XXXX Collector : SYNCB Original Creditor : WALMART Status XXXX Unpaid Balance Amount : {$200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is my 3rd complaint with CFPB about this company. <P/>They have agreed to remove these accounts from my credit files. <P/>So far they have indeed removed them from XXXX and XXXX but not XXXX. <P/>I have called XXXX and they have informed me that it only takes 24 hours to remove it from my file.
<P/>I have not received anything from this company with my signature about this debt. <P/>I have two letters from the CFPB that this company has repsoneded to agreeing to remove the accounts ... ..i am simply asking them to completed the task and remove all accounts from my XXXX credit report. <P/>All letters with a response from Commonwealth are on file at the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 called transunion and XXXX to verify who is reporting as XXXX XXXX XXXX Treasury on my consumer reports. I have no knowledges of these creditors and furthermore they are reporting balances I have no knowledge of. The phone number attached to Dept of the Treasury is not a valid phone number so I cant verify who this creditor is and Im wondering how did they furnish such inaccurate information. Also these accounts are open but reporting as collections and its displaying I made payments to a creditor that I have no knowledge off. This information is in fact inaccurate which is violation of my FCRA rights. Furnishers of information have a DUTY to report information with maximum accuracy and these consumer agencies have failed which is a violation of a XXXX dollars each. 15 usc 1681q states Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies States that A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX Balance {$370000.00} ; XXXX XXXX  XXXX Balance {$370000.00} ; XXXX XXXX Balance {$370000.00}

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 2021-11-11
Company: EQUIFAX, INC.
State: WA
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 2019-12-26
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Concerned about : Check XXXX for {$130.00} / Authorized ; Date XX/XX/19 notifying me the check was not paid. Date : Called Bluebird American Express Customer Service. Amount of time on the call : 1 hour and 23 Minuets. 

When I called about why the already preauthorized check was not honored or the amount not paid I was not able to get an answer as to why it wasnt honored. When checks are written with Bluebird they must be preauthorized through Bluebird and a confirmation code written on the check. I did all the things required. 
After talking to the initial agent, I then got transferred to 3 others people and even the customer service supervisor ( listed below ) The initial agent said she couldnt even view the transaction but put me on hold to talk with someone in The Tech Department. She then came back on the line to tell me she had them to return the money to my account. I never told her to do so. My statement to her was that Im concerned about the {$20.00} fee-my utility would charge me for a returned item. I the asked to speak with her supervisor. 
Her Supervisor said the same things about not being able to see the transaction nor the email I received. She then put me on hold and the next thing g I know someone from The Tech Department answered the line. I inquired as to why I was transferred to her. She said she did not know and said it was a Cold Transfer. 
After telling the agent my concerns, he put me on hold to speak with someone. He the came back to tell me several time that all he could see was that the {$130.00} had been placed back into my account on request of the customer-which t told him that I never asked her to do so. He then put me on hold for over 15minutes. The next thing I hear was an agent from the Fraud Department. I refused to again all of her the previously shared information. 
This company has operated with impunity with customers Accor t. The seem to conspire to transfer you from department to department when they cant answer hard questions. 
People /departments spoken with, including the regular agent I first spoke to. 
XXXX ( female ) -Customer Service Agents Supervisor Tech Agent-XXXX  XXXX-Fraud Department

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: CA
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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXXXXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to ON TIME as they should be as I was NEVER Late. 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 explanation
Consumer complaint received 2022-01-21
Company: Account Control Technology, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2022-01-18
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: Their investigation did not fix an error on your report

Complaint:
I have submitted multiple disputes with the credit bureaus for well over six months now and they continue to report inaccurate items on my report without my consent. I have asked them how did they verify these items and I am not getting any answers besides a letter stating 'the item is verified '. I have proof that the other bureaus have deleted the item so why are XXXX, EXPERIAN and XXXX continuing to reporting them.Please Help!

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