BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-03
Company: Experian Information Solutions Inc.
State: AZ
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:
1. On XX/XX/2016, we purchased a car, the dealership was looking for the best interest rate so 4 different companies ran a hard credit inquiry. Experian is counting each inquiry separately and reduced my score by 22 points. I explained to Experian that the multiple inquiries should only count as one but to no avail.

2. I am using Experian credit tracker program. I pay for this service every month. My credit score is higher on the program than what Experian is reporting to mortgage companies. Experian is reporting my credit to the mortgage company 20 points lower than what they are showing on their website as my FICO score.

3. Overall Experian has lowered more score for no reason. Example, I did not use my credit paid all bills on time for minimum 2 months in a row because we are purchasing a home, Experian lowered my score by one point.

Is there anyone who can actually view a credit report and determine if the points are accurate as I feel as if my score is not correct.

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 2023-03-31
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: Information belongs to someone else

Complaint:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: U.S. BANCORP
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My employer opened a US Bank XXXX  account for payroll. US Bank is refusing to allow me to access my account online. I have followed the steps to create an account and register the debit card per their website steps. Every time I attempt to login, theylir website kicks me out stating I need to reset my username and password. I try to follow those steps again and the website gives me an error that the card is already registered or a different error that my PPI information can not be verified, refusing access to my account. I have reached out to US Bank in writing and via phone. US Bank has refused to fix this error or allow me access to my account online or access to my funds.

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 2021-02-26
Company: AMALGAMATED TOKEN SERVICES, INC.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Im filing this complaint against CoinList.co on the grounds of lack of communication and poorly placed importance for my personal financial account by the company. 

I have been locked out of my account when I transferred near around {$310.00} of bitcoin to CoinList pro. Once it redirected me to CoinList Pro it required me to sign in. At which it excepted my username and password but I asked for a six digit authentication code that I have never received. Also it stated that if I did not have access to the six digit authentication code to simply use one of my back up codes found in the coin list app which is where I conduct most of my trading. 

However of these 10 codes are used three, each time seeing that code 1 my one being crossed off and saying an error has occurred, please try again. Out of fear of losing my account forever I logged completely out hoping that when I re-logged in it would provide me with the six digit authentication code. 

So now Im completely logged out of the app Ive never been granted access to the website and now I no longer can access my back up codes because when I try to log into the app now its asking me for the same six digit authentication code. The back up codes are saved in my app, I tried to re-register using the same email and coin list exchange recognizes that Email and says that it is already been used.

According to their website under the contact mecategory, they stated to allow Coinlist.co five days to respond due to the unusually high volume of messages being received. 

We are now going on two weeks and after several emails which I have attached as supporting documents, I am yet to hear a single reply from CoinList.co and Since have missed a few opportunities to have my money make me money which I do buy taking one cryptocurrency such as UNI and converting it to bitcoin while bitcoins on the rise then before it falls converting it back over to another cryptocoin or Altcoin Registered on Coin list.co. 

Altogether when I was locked out of my account I had roughly {$1300.00} in there since I couldve easily made that into XXXX or even more therefore I need this handled with the upmost urgency and Discretion. Thank you so much for helping me in this matter please reach me at XXXX or by phone at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX 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 2018-03-03
Company: States Recovery Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2017 I received a bill amount from States Recovery Systems for {$2100.00}, stating that it was the total amount owed. 

XX/XX/2017 I received a debt validation and bill amount for {$3300.00}. 

On XX/XX/2017 I received a second debt validation and bill amount from States Recovery Systems for {$3300.00}, and stating that they have closed and returned the account to the original creditor XXXX XXXX. 

Now they have resumed collection activity again. The billed amount is obviously incorrect and they have clearly violated several parts of the FDCPA. Not only that, they have continued to continuously call my cell phone after a debt validation and cease and desist statement was provided to them because of the discrepancy in what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My XXXX bill was due by XXXX XXXX in the amount of {$71.00}. I received this bill on XXXX XXXX. I mailed the entire amount on XXXX XXXX. I also mailed other bills on the same day. On XXXX XXXX I received another bill from XXXX for {$29.00}. This was a late fee. They said they received my payment on XXXX XXXX. That is 11 days that it took for that payment to reach them. I checked my bank statement and saw that the other payments I sent on the same day, got there much earlier than the one to Comenity Bank ( XXXX  bank ). The month before it only took 6 days to reach them. I paid my XXXX bill in full so I called them and asked if they could waive the late fee since I had sent the payment in plenty of time to reach them and I had paid in full. A man named XXXX, checked and said that they had waived a late fee for me in XXXX of 2019 and they could not not do another one. Another man told me that they can accommodate only one in 18 months. I told them that I could understand that if I had owed a great deal but I owed them nothing and now owed {$29.00}. for a fee that they said arrived 1 day late. I called another number on my bill and got the same response from a girl named XXXX. I asked where these calls were and I was told XXXX. I mailed my payment to Comenity Bank in XXXX XXXX, TX. I dont feel that I should pay this late fee as it was not my fault that it took 11 days to get there ( if it truly did ) and I had paid the entire amount. I would think that during these uncertain times when all the mail is slow due to the election and other factors, that they would honor my request. Its the principle of the thing. I sent it in plenty of time. I was not trying to go against their time. And I paid my whole bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have inquiries that showed deleted but are still showing all my account that dont belong and this is Transunion also reporting on XXXX  that all of them need to be deleted and not showing on 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 explanation
Consumer complaint received 2022-07-08
Company: CAC Financial Corp
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
no idea what the debt is for!! reached out to company CAC Financial by mail, no further info was received. My medical is cover 100 % by the XXXX XXXX clinic that my family visits so there is no way to have a outstanding balance,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
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 is missing that should be on the report

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2018-03-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Requested a free annual credit report from Equifax on XX/XX/2018 using the annualcreditreport.com site. Told that it was not available on line ( other two credit reporting agencies, XXXX and XXXX provided my reports online ). Told to send a written request. 

Sent written request on XX/XX/2018. 

Went online to to equifax.com/XXXX  on XX/XX/2018. Filled out form and received message saying the state I live in, New York, does not provide a free report and invited to pay {$11.00} for my report. I did not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: First Data Corporation
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019 a payment was made from Money Network Financial LLC., ( XXXX XXXX XXXX XXXX ) for the amount of {$590.00} sent to XXXX XXXX ( XXXX XXXX uses XXXX XXXX as a third party for on payments ). The amount for {$590.00} was never applied to my XXXX XXXX account. 

My attorney wrote to XXXX XXXX and response was that they never received the funds from XXXX XXXX. 

I wrote to CFPB via XXXX XXXX and response was they same I wrote to CFPB via XXXX XXXX and they pointed the finger towards Money Network Financial, as never receiving the funds. 

Please respond as this is very important as part of Discovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I've sent in countless disputes about a XXXX XXXX ACCOUNT on my credit report. experian will not send me any signed contracts with my signature verifying that the debt is mine. this is not my account.. CFPB HAS JUST FINED XXXX XXXX FOR SUCH ACTIONS PLEASE DELETE THIS ACCOUNT IT IS NOT MINE According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

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 2023-03-31
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2022-04-22
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IQ Data International XXXX # XXXX has been harassing me with a debt I do not owe. They have called me, my family, colleagues at work, and my employer. They have disclosed personal information, ( social security number, how much I make a year, how much my car was, and what they believed was my address. ) They have violated multiple Fair Credit Acts and broken the law. They have called me from 6 different phone numbers, over 30 times after I have told them to stop. They continue to violate Fair Credit Acts every time they call. This debt has never been verified. 

They have also violated 1006.30 This company is nothing but harassment and law breakers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: SYNCHRONY FINANCIAL
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:
XXXX displays 3 delinquent accounts on my credit file that has been disputed/challenged a year and a half ago, ( XXXX ), ( XXXX ), ( XXXX XXXX XXXX, those accounts have been listed like that on XXXX  for more than a year and a half, they have all been removed from the other 2 credit bureaus, ( XXXX & XXXX ). Despite my several attempts to correct these issues with XXXX, they never comply and, their action caused to be denied credit access. They failed to follow the FCRA requirements. They still as of today have the above mentioned account listed as " Item disputed by Consumer '' for more than a year and a half. The screen shots submitted were captured today Saturday XX/XX/2018.

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 2023-03-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
in XXXX I reached out to Equifax to update my credit report and remove incorrect Information on my report, Equifax failed to respond and remove the following incorrect addresses ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I also request for my DOB to be corrected from my report as Equifax shows XX/XX/XXXX the year XXXX is incorrect. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 explanation
Consumer complaint received 2019-02-12
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: Their investigation did not fix an error on your report

Complaint:
I seen this company on my credit report XXXX XXXX  and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them. When I submit a dispute through your service asking for verification/validation I receive nothing but an update to my credit file saying verified but no proof or information on what was verified and how. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act this should be deleted from my credit report and collection activity ceased because it has not been verified and validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have been disputing these accounts with the bureaus, THE ACCOUNTS ARE COMING BACK AS VERIFIED!! sent in numerous letters, nothing has been deleted, the bureaus pretty much ignored my concerns.

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