BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-11
Company: Experian Information Solutions 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:
I was NOT late. 
XXXX XXXX XXXX Account Number XXXX Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I was NOT late.

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 2023-04-15
Company: Experian Information Solutions Inc.
State: PA
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:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which vid rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Closed Account Names : 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 2023-04-15
Company: EQUIFAX, INC.
State: MA
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 contacted XXXX about the following incorrect information on my credit report. To this date they have not responded. 

Because of incorrectly reported data, I require that your bureau verifies the XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$7800.00} ), account. I am unsure of the accuracy of the XXXX of {$7800.00}, that you report for this account, because I dont recall owing such a high amount. Your agency presented this account as closed and charged-off, so the Past Due amount is not supposed to be provided for this account. I am going to clarify this matter with the creditor. In the meantime, I ask you to mark this account as disputed, so that it won't have any further negative impact on my credit score. In addition to that, I request from you to verify the Date Opened, Date of Status and First Reported for this account. 

I require that you verify the account identified as XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$990.00} ) because your reporting represents the information incorrectly. The Balance of {$990.00}, reported by you is inaccurate, because I believe it should be a lower amount. Moreover, the Past Due amount shouldn't be presented by you, as this account is closed and charged-off. Please mark this account as disputed while I resolve my dispute with the creditor, so that this account is not held against my credit standing. Also, I require that you verify the Date Opened, Date of Status and First Reported. 

The account XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$1900.00} ) needs to be examined due to incorrect reporting. The Balance of {$1900.00} that you report seems to be higher than the Balance that I remember. Your agency presented this account as closed, so the Past Due amount is not supposed to be provided for this account. I think it may be beneficial to address the misleading data directly with the creditor. I am determined to immediately proceed with such course of action, but I need your agency to report the account as a disputed while I'll be trying to find a solution. 

The following account is not mine COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$360.00} ). Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX I mailed a payment to my Citibank Credit Card ( account ending in XXXX ) in the amount of {$1500.00} in the form of three separate money orders in the amount of {$500.00} each. I included a payment stub with " {$1500.00} '' handwritten in the appropriate field. All three money orders + the stub were sent in the same envelope. 

On XXXX, Citibank applied a payment of only {$500.00} to my account. On XXXX I contacted XXXX XXXX and I was informed that all three money orders had been cashed at the same time. time. 

After speaking to XXXX XXXX, I called Citibank customer service to have the missing {$1000.00} credited to my account. The Citibank agent said that she would submit a trace request and that I would be receiving a form in the mail that I would then have to sign and return so that an investigation can be initiated. I told the agent that I would be traveling outside of the US from XX/XX/XXXX through XX/XX/XXXX, and that I would be unable to sign and return that form. I asked whether the process could be handled either over the phone or via email. She said she would " try '' and request that I be sent an email instead of a letter in the mail, although this couldn't be guaranteed. 

The XXXX XXXX money orders numbers are XXXX, XXXX, and 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 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 a Follow up complaint to the previous Complaint I submitted. Once again, I am submitting this Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance Owed XXXX {$130.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$1700.00} 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 I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.

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 2023-04-15
Company: EQUIFAX, INC.
State: NJ
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:
I have repeated send numerous letters to Equifax us 15 USC 1681b with no response no resolutions Accounts attached to my consumer report do not even have legally authorization or jurisdiction to collect in my state in NJ Attached exhibit XXXX Upon checking XXXX they companies are breaking the law collecting in a state they have no work order

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 recently disputed unauthorized credit inquiries made by unrecognized creditors on my XXXX credit report. XXXX returned a result of that dispute, without any research whatsoever. The results were that the inquiries remained. Please see attached report. 

I was unable to exercise my right to make a dispute of the inquiries at all, with Transunion and XXXX, by phone nor online.

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 2023-04-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose therefore kindly maintain the accuracy and correct it as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
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: Investigation took more than 30 days

Complaint:
Dear Sirs/Madam The last late payment for this account XXXX XXXX XXXX occurred in the middle of a DECLARED NATIONAL DISASTER eg Covid 19 I also had entered a payment deferment agreement with the lender for the months prior to the late payment. 
it is UNREASONABLE the lender is not deleting the payment and credit bureaus are allowing it when this happened in XX/XX/ at the height of the pandemic and forced stay at home orders. 
Please help Kind Regards

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 2023-04-15
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The student loan does not belong to me nor have I personally requested a loan after XXXX. I have one with a private company ( XXXX ) and I am in payments with them. I do not have additional loans that I requested and it shows I now have more open loans. I now show I have 4 additional loans open in XXXX. I completed my education in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2006 ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
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: Old information reappears or never goes away

Complaint:
This account is not accurate XXXX XXXX XXXX please send me a validation of debt and also they are violating FCRA law

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 2023-04-15
Company: Experian Information Solutions Inc.
State: IN
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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 explanation
Consumer complaint received 2023-04-15
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
In XX/XX/2023 I proceeded to log into my new Coinbase account and found that my assets were absconded. The account shows several transactions on XX/XX/2023 at XXXX through XXXX that I did not perform nor authorize. See attached supported documents, Coinbase states my assets were successfully and securely transferred into my Coinbase account by them. 
I contacted Coinbase on XX/XX/2023 and filed a complaint. Their case # XXXX. Following up with Coinbase, I was told by Coinbase the following " I recommend attempting to recover the funds from the recipient by reaching out to them and requesting their help. '' I completed all procedures that they requested including a filing a police report in XXXX Georgia # XXXX. Scanning my devices with antivirus software did not show any hacking. I was then able to finally log back into my account to continue my reporting to Coinbase that my assets were still missing. To this day, Coinbase continues to state that transfers are irreversible. Coinbase was the guardian of my assets and they are not as safe and secure as they state. I respectfully request support in retrieving the assets from Coinbase as I feel they are fully responsible. They have the knowledge and where with all to track and see where my assets went. Please advise, your help in this matter is greatly appreciated. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXXXXXX XXXX account XXXX has violated my rights. 1 5 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 explanation
Consumer complaint received 2023-04-15
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:
Experian XXXXXXXX XXXX improperly abusing my credit status. Shows late payment from 7 years ago in red right when report pops up incorrect over 7 years ago one parent missed I can not get credit apts nothing my score should be higher and not being addressed I called loan company 's I am not late.

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 2023-04-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 explanation
Consumer complaint received 2023-04-15
Company: Experian Information Solutions 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 status incorrect

Complaint:
I have six student loans with XXXX XXXX and each loan shows up individually on my Experian report, please see the attachment labeled " XXXX  Late Payment Data ''. 

You will also see each of them has corresponding " late payments '', and the details of these late payments posted can be seen by reviewing the listed attachments " Loan XXXX - XXXX. 

I have tried helplessly to work with XXXX on two goals via phone and email with their support staff to no avail : ( 1 ) These six individual loan entries on my Experian credit report, all with late payments, are preventing me from repairing my credit. On the XXXX website, while they do list loans individually, they combine the total balance of loans and you make payments across all the loans when you make a payment, not individually. These six loans need to be combined into one loan, with any corresponding late payments, as opposed to what is listed currently. 

( 2 ) I previously spoke with XXXX a few times now on the phone over the late payment information that is showing on my account. I need this information reviewed in entirety for each loan. In the attachment " XX/XX/XXXX to XX/XX/2020 '', this was an email from XXXX stating loans would be in forbearance from XX/XX/XXXX to XX/XX/XXXX. I called before this forbearance ended and was told I was not eligible to continue forbearance, even when I had not yet found a job after graduating. 

I spoke with someone last month who said that should not of been the case, and that forbearance after XX/XX/XXXX was still being granted upon request. I could not pay, and was also told false information ( whether by mistake or not ) I am unsure, but I would like associated late payments which any account holder was qualified to be under forbearance removed as I was told I was not able to, when indeed, I was.

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 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This account is in collection please provide me the original purchase agreement which includes the terms and conditions legally stating that I'm responsible for this account. Need this information in 30days or remove from my 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