BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
To reiterate my chief points/complaints to the CFBP regarding the subject bank : 1 ) The company sent a letter, amid the COVID crisis, to my PO Box at an address that was subject to a severe lockdown order, and, the letter arrived several weeks late, well after their original reply-by request date. 
2 ) Upon receiving this significantly delayed letter, I replied immediately and appropriately. 
3 ) The company has declined to offer any forbearance for the extremely challenging environment we find ourselves in, nor does it acknowledge the simple fact that likely its own processes were delayed and contributed to my inability to receive its original correspondence and respond promptly.

4 ) The company, by failing to mail this critical correspondence in any traceable form ( no doubt to save expense ), has lost all ability to assert strict timing deadlines, as it can not prove when it was mailed, nor when it arrived to me. Let alone that this mailing occurred during a time of national crisis and substantial delays to mobility, access, and processes. 

Please see attached longer form explanation of the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-02
Company: CORELOGIC INC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The was an illegal inquiry/pull of my credit report by XXXX XXXX in XXXX. XXXX and core logic are displaying illegal and allowing illegal use of my credit report. I don't have and never had account with XXXX XXXX or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after XXXX XXXX sent letters that acknowledged this XXXX and core logic continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also corelogic stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. All documents have been attached including XXXX  acknowledgement of illegal account and the request to delete it from XXXX corelogic, false statements made on behalf of corelogic and fake letters they said they sent.

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 2018-05-19
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: Information belongs to someone else

Complaint:
XXXX XXXX  has 2 fraudulent collections under on my credit reports.

Two charges : one for {$500.00} and a second for {$280.00}, both from the same facility and same date of service of XX/XX/XXXX.

I have never received medical treatment in the state of Pennsylvania.

I disputed these fraudulent collections on my credit reports with Equifax, XXXX  and XXXX  approximately one month ago and I received an email alerting me that my disputes had been resolved. However, when I went to check my credit reports, they showed the 2 above referenced collections are still on my reports. According to the reports, XXXX XXXX claim the collections are correct and the credit bureaus still have them on my record.

I have been on the XXXX XXXX plan since XX/XX/XXXX and once again, have never received medical treatment in the state of Pennsylvania.

Please help remove these 2 fraudulent collections on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 i filed disputes with all 3 credit bureaus. I have yet to received a reply from any of them. Its has now been over 50 days and i feel that more then enough time to reply to my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries on my credit report that I believe to be unverified and not valid. I have reached to all three credit bureaus ; XXXX XXXX, Experian, XXXX via letter mail with detailed information of the inquiries in question and have informed them of my issue and requested that they either provide me with proof and validation of these inquiries or remove them from my credit report immediately. Two of the three bureaus responded with copies of my credit reports and letters stating that they would investigate further. I have not heard back from XXXX. After allowing the bureaus 30 days to respond and complete their investigation, they reply with statements saying that the inquires in question can not be found or that the investigation has been complete and send more updated copies of my credit report. The credit reports clearly indicate the same inquiries I am disputing and they remain unverified on my credit. This is an ongoing issue between me and the credit bureaus since early XXXX of this year. They are not providing me with the appropriate information and have not removed any of the unverified inquiries from my credit report, resulting in a present negative impact on my credit score.

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 2018-05-19
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
The company name is coinbase and they are holding my account with {$9400.00} in cash. They have deny me the option to close my account and withdraw my funds. 
They say a specialist has to look into my account. I spoke to coinbase staff over the phone and they told me it can take 5 months or more before they look into my case. my account is in good standing according to them but the only answer i get is that i have to wait for a specialist because they have a lot of work. My account was updated on XX/XX/2018 and i been waiting for a resolution since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries on my credit report that I believe to be unverified and not valid. I have reached to all three credit bureaus ; Trans Union, XXXX, XXXX via letter mail with detailed information of the inquiries in question and have informed them of my issue and requested that they either provide me with proof and validation of these inquiries or remove them from my credit report immediately. Two of the three bureaus responded with copies of my credit reports and letters stating that they would investigate further. I have not heard back from XXXX. After allowing the bureaus 30 days to respond and complete their investigation, they reply with statements saying that the inquires in question can not be found or that the investigation has been complete and send more updated copies of my credit report. The credit reports clearly indicate the same inquiries I am disputing and they remain unverified on my credit. This is an ongoing issue between me and the credit bureaus since early XXXX of this year. They are not providing me with the appropriate information and have not removed any of the unverified inquiries from my credit report, resulting in a present negative impact on my credit score.

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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$590.00}

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 2019-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am a victim of identity theft. My personal information was compromised and fraudulent charges were included on my accounts without my consent or authorization. I sent this company My letter which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. But to my surprise, this company completely ignored me and is still reporting the following accounts with fraudulent charges on them : CAPITAL ONE BANK USA, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last Payment XX/XX/XXXX CAPITAL ONE BANK USA, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last Payment XX/XX/XXXX Please note that this letter is My final written proof of my intent to reach out to this company before filing a lawsuit against them. 

Attached herewith is the documents I sent them in my earlier disputes with them for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX  has 2 fraudulent collections under on my credit reports.

Two charges : one for {$500.00} and a second for {$280.00}, both from the same facility and same date of service of XX/XX/XXXX.

I have never received medical treatment in the state of Pennsylvania.

I disputed these fraudulent collections on my credit reports with XXXX, XXXX and Transunion approximately one month ago and I received an email alerting me that my disputes had been resolved. However, when I went to check my credit reports, they showed the 2 above referenced collections are still on my reports. According to the reports, XXXX XXXX  claim the collections are correct and the credit bureaus still have them on my record.

I have been on the XXXX XXXX plan since XX/XX/XXXX and once again, have never received medical treatment in the state of Pennsylvania.

Please help remove these 2 fraudulent collections on my credit reports.

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 2019-09-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called Syncrhony and XXXX and no one was debt it yet, it is reporting on my credit

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 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  is reporting incorrect information about my student loans to the credit bureau since XX/XX/2020. My credit score has dropped almost 200 points from this information. when i contacted XXXX they told me theyre not reporting anything and havent since XXXX when my student loans were more than 30 days late. They then told me to contact Trans Union and XXXX  directly to see what is going on and they continue to tell me they receive all their information from XXXX. 
the issue is every other 2 weeks my credit score drops or comes up because theyre reporting an increase or decrease in the amount of the loan. my student loans are currently covered under the covid act and the other ones are in forbearance so they shouldnt be reporting any type of change because they are current and no payment is required at this time or interest. 
they also arent showing which loans are decreasing and increasing and the original loan amount is still the same on all the loans listed on my report.. one student loan they report as decreasing in the amount of {$6300.00} then the following weeks increasing the same exact amount. ive spoken to XXXX 7 different times about this issue and they continue to tell me nothing is being reported. 
this information on my credit has made me unable to move or get the car ive been trying to get and no one seems to help fix it. my credit score continues to drop after ive tried so hard to rebuild it

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 2018-05-21
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have sent this company certified letters time after time about validating this debt. I never receive nothing in return back which I ask for a result within 30 days. Once I kept trying to contact them I then went to there office since it was located in my city and state. When I got there they wouldnt even let me in the office they kept stepping out to talk to me. I informed them that I want to speak to the manager or corporate but was told neither one of them were there and I had to call. After that day I still repeatedly call to not get in touch with them still. So I then sent out a hippa violation letter to them about this debt and they're still not communicating.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
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:
XXXX XXXX has 2 fraudulent collections under on my credit reports.

Two charges : one for {$500.00} and a second for {$280.00}, both from the same facility and same date of service of XX/XX/XXXX.

I have never received medical treatment in the state of Pennsylvania.

I disputed these fraudulent collections on my credit reports with XXXX, Experian and XXXX approximately one month ago and I received an email alerting me that my disputes had been resolved. However, when I went to check my credit reports, they showed the 2 above referenced collections are still on my reports. According to the reports, XXXX XXXX  claim the collections are correct and the credit bureaus still have them on my record.

I have been on the XXXX XXXX  plan since XX/XX/XXXX and once again, have never received medical treatment in the state of Pennsylvania.

Please help remove these 2 fraudulent collections on my credit reports.

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 2019-03-27
Company: Receivables Management Partners, LLC
State: MI
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: Problem with personal statement of dispute

Complaint:
I made arrangements with XXXX XXXX to remove numerous collections from my accounts once I paid them. The hospitals billed each service separately and I lost track of all the bills. I explained this to XXXX and that the collections were all medical and all to the same place. They agreed to remove the collections ( or at least all but one since it really was only one account holder with many diffrent bills. ) And the agreed. However, now XXXX is stating its credit reporting agencies job to remove them, but the agencies are saying they can't do any thing with put XXXX approving it. Also XXXX bought a collection from XXXX ( XXXX XXXX XXXX XXXX ) and it was paid to XXXX as agreed upon. XXXX is the only agency that refuses to remove this collection as an open collection on my credit report. XXXX and XXXX have already seen to it. So here, I have made all the calls, emails and mailed, emailed, and faxed every receipt and correspondance requested of me with no resolve. I am at a stand still with a purchase offer on my first home, the sellars waiting for final approval from my credit union,  an no one working with me to achieve what was promised. I feel hopeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 tried to fix this with the bank and now for the second time they keep reporting wrong information to Transunion credit report. this mortgage went to foreclosed in XX/XX/XXXX and it was removed from my credit in XX/XX/XXXX. why is the bank still reporting this mortgage under my name. i went to puerto rico in XX/XX/XXXX and they were other people living in this house. this bank is a fraud and has a good reputation of  doing dirty management like this. 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
Consumer complaint received 2018-05-19
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: Account information incorrect

Complaint:
On my Equifax Credit Report, XXXX XXXX is showing twice for the same account. The dollar amounts are {$1.00} off. I have been in contact with XXXX XXXX AND Equifax for over a year. XXXX XXXX showed me proof they have only ONE account for me. I sent this information to Equifax and since XX/XX/2017 all they do is send me a letter saying it's verified. It's not getting corrected. I want the account that is showing in the amount of {$830.00} to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-19
Company: EQUIFAX, 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:
I have been disputing this incorrect debt for months and, the verification of this debt has been malicious and false, I have been contacted by XXXX XXXX, they sent documents of the debt trying to verify this debt is mine, and the documents they sent has no signature and I want them to provide my signature verifying the debt is mine,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Viking Client Services
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
They have contacted my employer multiple times daily while i am out working talking about my personal business and can cost me my job. This has been taking up the time of other reps that work for this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a call from a process server to see if i was home. I asked what it was about, he replied with a case number and a phone number. Number answered by XXXX XXXX, who told me I owed {$6000.00} plus because I hadnt replied to a letter I never received in XXXX. It was from XX/XX/XXXX! It may have been a real debt from my now deceased dog, but when I called Consumer affairs, they said statute of limitations had run out, and the debt was no longer valid. I also called the company in question, they said there were no outstanding accounts in my name! I called the Law firm several times after trying to try a straight answer, but there wasnt one, and at one point they told me to shut-up! 
If I hadnt have been savvy, ( and when they told me to shut-up it was a big clue ) I might have given them some kind of payment! What a great scam! My dog did have an injury that year, and Im not sure if that large bill ever got paid. Probably not. Easy prey! I consolidated 2 years ago, so I was fairly sure there was no other debt at that point, or the wouldnt have made that agreement with me. XXXX XXXX XXXX said ALL debt, so that was another reason I was Skeptical. 
The phone number fir XXXX XXXX is 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