BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-25
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: Information belongs to someone else

Complaint:
Today XX/XX/19 I was made aware of some accounts and a bankruptcy on my credit report that all do not belong to me. The accounts were opened by someone else without my permission and the bankruptcy was clerically filed in error ; it belongs to someone with a similar name. I did not allow anyone to open any of these items in my name using my personal information ; I already filed a police report regarding this matter as well as notified the courts. I do not have any relationship with any of the companies and I did not benefit anything from these items that do not belong to me. I did not make any transactions or payments towards any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX XXXX Date of XXXX XXXX Date of XXXX XXXX XXXX Date of XXXX NAME : XXXX XXXX XXXX, XXXX, A PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX PL XXXX, IL XXXX XXXX XXXX XXXX AV XXXX, IL XXXX EMPLOYER : XXXX  XXXX  XXXX XXXX  XXXX CO

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 2021-11-01
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Somebody used my name to open fraudulent account and write bad check

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Aargon Agency, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent AARGON AGENCY INC. ( DEBT COLLECTOR ) Multiple Certified mail letters asking to them to Verify and Validate this allege debt they said i own them, But clearly they disregarded all my letters i sent them so they clearly violated my rights as a Consumer and the fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE & 15 U.S.C 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE.

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 2022-06-20
Company: CCS Financial Services, 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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The same time last year they my report on 7 of my loans stating I was late over 90 days late and dropped my score over a hundred points. since then my credit was getting on track and here we are again and my report says im behind when im on the forgiveness program and I made sure to call and get a forbearance to keep my account up to date. I can not not let them ruin my credit because of another mistake on their part. I am a single mother of XXXX thats trying to better my credit to get a home but keep doing this and I have no one who can help me fix it. can I file a suit of some kind?

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 2022-01-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I sent letter to court house asking them do they release information to the credit bureaus and they responded with no they don't give out information to credit bureaus. On XX/XX/2021 I sent Equifax a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded stating that they " verified '' it through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from their database. 

I then went back to Equifax on XX/XX/2021 and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete the item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is an account that is showing up on my credit report ( NATIONAL CREDIT SYST / XXXX / XX/XX/2013 / {$3500.00} ). This account is incorrect and is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion is not giving consumers the ability to dispute ONLINE or placed credit freezes on our accounts. I have tried several times and have endured an unauthorized inquiry on XXXX from XXXX XXXX. Its very important that the capability of a freeze needs to be accessible at all times. Companies are deceiving customers with only indicating a soft pull but yet are enduring hard credit pulls.

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 2017-05-31
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My wife has been receiving calls from National Credit Adjusters ( account # XXXX ) acting on behalf of XXXX XXXX on an alleged debt that I owe. The issue is that I have NEVER taken out a loan with them. They advised that there are no stores in the XXXX XXXX area where I reside, so this payday loan would have been done online which I can promise I did not do. I have been given the run around and feel that I have not been given enough information to dispute this debt. I also have not received ANYTHING in the mail from these people. When I asked National Credit Adjusters for the address of XXXX XXXX, I was told the first time that they could not locate it and the second time that their system was frozen. I was only able to obtain an account number ending in XXXX They also stated that the individual that obtained this loan put down their place of employment as XXXX XXXX, which I worked there, but not in XX/XX/XXXX when this loan was allegedly obtained as I have been employed with XXXX for 7 years. I was finally able to find a phone number for XXXX XXXX and address ( XXXX XXXX XXXX XXXX, OH XXXX, ph # XXXX ). I followed the prompts, option 1, option 1 again, then option 2 for past due status and then it hangs up each time. I had to find another way to get thru by constantly pressing zero, in which I waited on hold for a good 25 minutes to only get some new person that advised me that they were unable to release their corporate address, just the billing address to send payments per her supervisor. She then advised that the account was taken over by XXXX XXXX XXXX. I called them and they told me that the account was recalled back by XXXX XXXX XX/XX/XXXX and they misdirect calls to them all the time. Me and my wife are in the process of building a new home, and I WILL NOT keep dealing with these people, and I definitely wo n't be calling them back a 3rd time just to wait on hold for another 25-30 minutes to get someone on the line just to give me the run around again. I need some help here please!!! This is not my debt and I have not been given the proper information to dispute it. In my opinion, they have the burden of proof, not me. My social is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I filed a dispute for a debt for a XXXX XXXX test conducted at XXXX XXXX XXXX XX/XX/XXXX. At this time I was told it was free or my insurance covered it. I have been charged with a {$270.00} for this without an actual office visit and just a XXXX  XXXX test  done while sitting in the car. This has severely lowered my credit score. As of today, XX/XX/XXXX Experian said it is verified and updated. My credit score prior to dropping to XXXX from this was 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 2020-10-07
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Recently after several withdrawal requests for {$1000.00} - {$2000.00} were submitted by me, and denied from my bank 's ATM XXXX Using MY CashApp card ) I sent Square / CashApp an inquiry for increased withdrawal limits. This option was not available. A {$500.00} limit is INSUFFICIENT. Several friends have cashapp and are unrestricted on their withdraw limits. I have NO IDEA why those requests could be denied - since I hadn't used the card for any large payouts, or taken ANY money for myself - and there was still around {$6000.00} on the cashapp card. CashApp responded to my 'card inquiry stating that it was due to the limit on the bank 's ATM macine - but today (XX/XX/XXXX ) I went and asked the teller directly to use the card and take the cash from the bank drawer, and she stated she could not. The CashApp was blocking her access to the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Validate Account XXXX  XXXX  Account Number : XXXX As a consumer by law, this account must be deleted immediately. Reporting past due amounts on a collection or charge off is a violation and should not be on my credit report. This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted immediately.

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 2022-06-20
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My case : I have fell victim to a backdoor scam on the XXXX platform. I have been trading on a site similar to it and now I can not withdraw my funds. My funds are locked on the platform. I used my Coinbase account to transfer ETH to the platform which does work and syncs up with the exchange. I was able to transfer ETH from the back door platform site to my Coinbase and then my bank so it is real. However, now I am being told that I cant withdraw my funds until I pay my share. I have all hashes, screenshots, wire transfers with my bank to the Coinbase exchange, and wallet IDs on the platform. I also have contact details with a representative from the platform and the platform URL/domain. Please assist me in reversing this whole situation. Its a nightmare and I want justice or at the very least what I put in. Please contact me at my cell number XXXX to discuss further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Per Nev. Rev. Stat. Ann 449.01511, Collection agencies are permitted from commencing civil action for debts less than XXXX and collecting fees of more than 5 %. Allied collection has been relentless in attempting to garnish my accounts and my pay. I attempted to settle this debt and offered XXXX dollars and they refused. I contacted the agency in XX/XX/2021 to tell them to stop collection attempts.

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: FL
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 attached an FTC report with fraudulent inquires

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 2022-06-20
Company: STERLING JEWELERS, INC.
State: MD
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX5 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
upon checking my credit report i notice a credit agency trying to collect a debt i have no knowledge of i have never signed a contract with them verbally nor electronically ever in the past

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Good Morning I received a letter from my Employer that I have a pending garnishment for {$860.00} for LVNV Funding LLC XX/XX/2020. I have not been contacted and tried to contact XXXX XXXX XXXX XXXX group. I cant get any answers no return call. I asked for a print out of what is owed and to whom. This is unfair practice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received 2 notices, sent to an address I have not been living at for 20 years, for separate accounts from Truist Client Center titled " confirming your acceptance of Overdraft coverage ''. Calls to Truist have resulted in either, multiple hours on hold, transfers to the fraud department that disconnected, or no help because I would not provide my SSN ( not willing to provide more than the information on their mailers because they have already shown they shouldn't be trusted ). I did get through to the fraud department and they said I could expect something in the mail. What I received instead was notices from 2 more accounts ( now 4 accounts that I am aware of ). A call made today to the number on their website resulted in another transfer/disconnect ). I am currently on hold with their fraud department as I complete this form.

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 2017-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 made several attempts to resolve several matters including incorrect addresses, inquiries added back to the report after being removed and the continued failure of Transunion to exclude an account from bankruptcy. I initiated disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXin which I asked the CRA to correct erroneous information regarding an account reported on my credit report. The account was paid and closed due to it being traded in for another vehicle two years prior to me filing bankruptcy and Transunion insists on including it in bankruptcy which was not filed until XX/XX/XXXX. The most recent results from the dispute issued on XX/XX/XXXX still show the account in bankruptcy when it should not be. The partial account number is XXXX**. Also, there is an address of XXXX XXXX XXXX XXXX AL XXXX reported that I have advised on each of the above dates to remove. They advised it was done on each occasion when it was not. Finally, a glitch in their system occurred in XX/XX/XXXX where inquiries were removed and placed back on the report without me being notified. I would like these inquires removed : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/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 non-monetary relief
Consumer complaint received 2021-07-26
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: Their investigation did not fix an error on your report

Complaint:
I am not understanding why an account that is aged almost 10 years is still reporting on my Transunion and XXXX  credit report. All collections and chargeoffs stay on credit reports 7 years only, this account clearly states that it was opened on XXXX 2011 with two different incorrect dates. The dates last active is incorrect and not recent to my last dispute request. The account has been paid and still reporting and it shouldn ; ; t be due to age and inaccuracies. Transunion and XXXX  was not honest about their investgation on the account memntioned above : 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