BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-19
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:
I submitted a letter to the XXXX Credit Bureau last XX/XX/ to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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 2023-07-19
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2023 XXXX XXXX In reference to National Credit And / OR XXXX XXXX XXXX XXXX tx XXXX Validating Debts I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt XXXX  * ( 2 ) the name of the creditor to whom the debt is owed and who owns the debt now * ( 3 ) Provide a verification or copy of any judgement ( if applicable ) : * ( 4 ) Proof that you are licensed to collect debts in XXXX, Tx Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also be advised that I am keeping very accurate records of all correspondence from you and your company.

I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgement without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: NAVY FEDERAL CREDIT UNION
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:
All the stuff on my credit is not me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I contacted them several times regarding this issue. They also lowered my line of credit limit for no reason/explanation.

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 2022-09-13
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:
My information was stolen and used to apply and do business with different companies. I reported it and demanded that the accounts resulted from it be removed. Untill today I did not receive any response and the account is still in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 checked my credit report on XXXX XXXX, 2017 and recognized the inquiry. I called XXXX XXXX, and the operator told me she never heard of an inquiry being removed Wether it was authorized or not.

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 2022-10-20
Company: Experian Information Solutions Inc.
State: OH
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 XXXXXXXX XXXX XXXX # XXXX, account XXXX XXXXXXXX # XXXX, account XXXX XXXXXXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. 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 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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no 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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 recently took a look at my credit report and noticed that there is still an inaccurate account that is reporting to my credit report. even after i have sent in several disputes with Transunion the account XXXX  # XXXX displays an open account with a monthly payment of {$1900.00} and a balance amount of {$1900.00} with payment status as CollectionOrChargeOff. this information is completely inaccurate and reporting false and misleading. the interesting fact is that transunion said that this account was verified which is impossible because the information that is being reported is incomplete and not correct. It seems as though transunion and XXXX  is conspiring against me. I am aware that XXXX has to pay transunion to report information to them ( transunion ) so in this case this is a business transaction btwn to the two companies, transunion is continuing to collect those payments to keep their business more profitable, I would like to assert my right of accurate reporting on my consumer report which uses the law 15 usc 1681e ( b ) also 15 US 1681 S consumer reporting agencies do not have the bit of right to report or furnish things on my credit report that is to believe to be 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 non-monetary relief
Consumer complaint received 2016-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is not responding to my requests to investigate and remove XXXX accounts from my credit report that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: BB&T CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Attached you find a payoff letter from XXXX that states loan was paid in full as agreed. It was not part of Bankruptcy.

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 2023-11-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX XXXX should not have an account reporting. This account was settled in XXXX  with a garnishment which amount settled was paid. The correct reporting which has been submitted to Experian is closed settled for a lessor amount. 

XXXX XXXX XXXX, XXXX is converting accounts from XXXX  to XXXX. During this transition account numbers are being changed and reporting was affected. This particular account was not closed our properly in our old system and was converted to the new system and reactivated. It also made several accounts duplicate instead of converted due to slight reporting error from our previous system. Please disregard if there are two ( 2 ) accounts that end with the same account number. This document is for XXXX XXXX record and ability to contest the incorrect reporting from the situation above.

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 2022-09-13
Company: TD BANK US HOLDING COMPANY
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX card thru TD BANK fraudulent charges by XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX This vendor provided fraudulent documentation to TD bank, which I have copies, to justify these purchases. These docs include fraudulent USPS delivery notices, and deliveries prior to order date. 
clear signs of criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2021 someone accessed my Coinbase Wallet Transferred all my XXXX  holding to XXXX  then transferred my XXXX  to this external XXXX  account that is not mine : XXXX They stole $ XXXX from my Coinbase Wallet. I immediately locked my account when I discovered this occurred. I have tried to request help from Coinbase by already creating two service tickets and have not heard back from them. I called Coinbase and their support could not help me and told me I need to wait from an email from them and they will only communicate via email. This is unacceptable from a company Coinbases size.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 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 2022-09-13
Company: Experian Information Solutions 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:
I asked the credit reporting agencies Experian, XXXX and XXXX to do a verification of my credit report in XX/XX/2022 in which they completed, the companies stated that everything was accurate. Upon thoroughly reviewing my credit report myself I found improper inaccuracies even after the bureaus completed their research. Such as identity verification, date opened, this account is also showing open although placed for collection which is a violation. 


Account XXXX XXXX XXXX XXXX XXXX  Creditor : XXXX Acct Num : XXXX In accordance to the Fair Credit Reporting act XXXX XXXX  XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

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 2018-05-24
Company: EQUIFAX, INC.
State: SC
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 had an XXXX credit card acct # XXXX with a balance of {XXXX} was sold to XXXX on XX/XX/2012.I had attempted XXXX on several occasions. No response. I have written them .letters returned to the sender.phone numbers didn't work.IXX/XX/XXXX had complaints on them. I have disputed this item 's with the three major credit reporting agencies. THEY'RE investigation was not to my satisfaction. No successful outcome. I would like to have it deleted.Im rebuilding my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have private loans from Navient. I am currently 9 months  XXXX  about to go on leave from my job as a XXXX  in a XXXX  and will be getting a small income from XXXX until I do find child care for my baby. They are unable to help me with any type of financial hardship. Both cosigners are older and only making enough social security to support themselves. They wont help me with any type of payment unless I make payments of {$510.00} each month which is INTEREST ONLY! I can barley pay my bills to live right now and they will be sending me to collections if I don't pay this month. I just don't make this type of money and it is impossible for me to make this type of payment just for a private student loan. 

I need help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions 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 just started to look more closely into all three of my credit reports and I noticed a lot of negative and false information and accounts on all three that are not correct. Starting with XXXX credit reporting I have XXXX hard accounts that are against that report and XXXX soft accounts that are affecting my score as well. I have tried to send letters to them stating that they were going against the FCRA codes, the exact codes they are going against is 15 USC 1681 Section 604 as well as 15 U.S. Code 1681n ( b ). Those account amounts that are affecting my score is {$2500.00}, {$1100.00}, {$920.00}, {$550.00}, {$700.00}, {$490.00}, and {$6500.00}. Everything I sent them proving this violation came back as verified and they would not help me fix them. Now, going into XXXX credit reporting I sent the same letters and the violations they were going against which are the same laws as stated above for transunion and they all came back verified as well. Those amounts that are affecting my report for XXXX are {$2600.00}, {$500.00}, and {$200.00}. Lastly, experian is going against the same rules as stated with the other credit bureaus and all came back verified as well. Those amounts that are affecting my score are {$2500.00}, {$1100.00}, {$920.00}, {$550.00}, {$700.00}, {$490.00}, and {$8.00}. I have sent letters to all three bureaus stated above with the account amounts and the laws against them and nothing has been done about it. I am just trying to get my credit score up to buy a house for the first time and be able to eventually get a loan or credit card. I have XXXX small children and just went through a terrible divorce and just want all these items fixed immediately so I can move on with mine and my children 's lives,

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 2021-10-29
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:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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: Was not notified of investigation status or results

Complaint:
NOTICE OF ARBITRATION. 
I previously requested Experian to do an investigation and to block information that is obviously a result of fraudulent activity. I have still not heard back from them ( complaint ID XXXX ). By law, Experian had 4 days from the date of receipt of my notice to act. They did not. 
Secondly, XXXX, XXXX and the furnishers of certain accounts on my consumer report have done a proper investigation and have removed the affected accounts. However, Experian continues to violate my rights by reporting information that should not be on my consumer report. 
Therefore, I am DEMANDING that Experian block and delete the identified accounts within 4 days of receipt of this notice : XXXX XXXX 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 
I am giving Experian a last chance to adequately fix the issue before I proceed to arbitration.

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