BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-12-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm trying to get Experian to remove my name an put my correct name on my credit report XXXX XXXX XXXX XXXX on my credit report and remove XXXX XXXX XXXX it's not my name and is not associated with my social security number

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 2023-12-15
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by " XXXX  '' limited which involved me making deposits for a total amount of XXXX XXXX USD from my Coinbase account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld Systems continues to report an inaccurate entry to all 3 credit bureaus XXXX charged me a {$450.00} early termination fee even though I fulfilled the full term of my contract with them before closing the account I have phoned, emailed, and faxed XXXX over 30 times according to the instructions given by them or one of their collection agencies with a response. XXXX changed collection agencies 4 times and 3 times in a 90 day period and continues to report this as a collection account. I've attached proof of my 6 months term and have all emails, faxes and phone calls recorded for litigation and damages Transworld refused a pay to delete offer. 

Entry to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting a loan as delinquent ( seriously delinquent of more than 120 days ) from the pandemic pause period. As a XXXX  worker with federal student loans, I followed studentaid.gov and watched that there was no action needed to pause loan payments. I have previously disputed the errors XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX along with a few other dates, they updated some months as current but not all. 
I called XXXX and was on hold for over 2.5 hours. When I got an agent they told me that loan was brand new to them in XXXX. Then said o wait no its not. Then said yes it was covered then no it wasn't. They told me they would get me to the department I needed to further discuss this issue. Then she came back on the phone and told me she talked to them and the report would stand. I said no I would like to speak to them. They were already told potentially erroneous information by the XXXX agent. 
Frankly I am not wanting XXXX to even service my loans, I don't feel I can trust them. 

I want the 4 late payments on my credit report removed, as a XXXX  worker in the global pandemic, I am not sure how working 80 hours per week, and catching XXXX  and being down and out form XXXX to XXXX and then returning to work is an offense to have 4 late payment notifications when we weren't supposed to owe during the pandemic.

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 2023-05-18
Company: ENCORE CAPITAL GROUP 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
INACCURATE account being reported negatively as a " COLLECTION '' on my credit based on " Alleged '' default from XX/XX/2018, which is well past the four year STATUTE OF LIMITATIONS to collect. 
Midland funding is actively and aggressively making attempts to collect this debt, in direct violation of state law. 

Please Remove this inaccurate account in it's entirety ASAP per FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I am writing in regard to my credit report which was recently issued to me and includes negative items from the following. 

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. 

Please remove inaccurate information XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Doesnt exist. Inaccurate information My rights have been violated sharing and posting information that is not accurate per FCRA please remove The FCRA is a federal law that requires credit bureaus to provide consumers with fair and accurate credit reports. Section 609 of the FCRA states that whenever a consumer disputes an item on a credit report, the credit bureau must provide reasonable procedures to ensure that the information is in fact accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX based on the Citi Bank new checking online promotion for a future bonus payment of {$1000.00}, I followed the application and promotion instructions as required by Citi Bank. I proceeded the application process with several phone calls to Citi Banks Customer Service group to verify the promotional offer and requirements. Upon completing the application, I received an approval with no mention of the promotional bonus offer. When I called to inquire about the missing offer confirmation, I was told that the account would not include the promotion bonus. This " bait and switch '' tactic to attract new deposits by Citi Bank is deceptive, unacceptable and unethical!

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 2023-12-15
Company: Incomm Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
This card was bought on XX/XX/2023 for {$250.00} and I plan to gift it to my daughter, unfortunately this card has a XXXX balance, I look it up there are millions of others with this complain, the company wants to file a dispute, this is not a dispute because It has XXXX balance on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EVERBANK, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
For the past 2 months, I have been trying to transfer my individual traditional IRA savings account money ( my life savings in retirement funds ) from Everbank to my local bank XXXX as a normal, standard procedure -- a trustee/custodian-to-trustee/custodian transfer of funds. 
For two months, Everbank sent me wrong forms to fill out, then they sent more wrong forms to fill out ( I had all their forms filled out and submitted with notary stamps/witnesses just as Everbank asked . Each person I spoke with told me that the previous person made an error. The procedures were not followed and erroneous information and instructions were given to me by atleast 7 employees This kept happening for almost 2 months. I finally gave up nad had my local bank initiate the IRA transfer process. I filled out all the appropriate forms with my local bank XXXX, which forwarded the documents to Everbank. I receive a written email from the special processing unit of Everbank on Tues. XX/XX/XXXX that Everbank had sent a check for the full proceeds ( money ) in my IRA to XXXX by XXXXThe money has never arrived from Everbank. XXXX says it was never sent. My account was closed. My money has disappeared. Everbank employees hang up on me when I call. Or they put me on hold for an hour at a time and never pick up. Everbank has stolen $ XXXXfrom me and Everbank will not help resolve this. HELP! HELP! Please. P.S. Everbank is not a real bank -- it is a savings association and NOT a commercial bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: EQUIFAX, 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 have multiple late payments on my account that are inaccurate and I tried resolving the issue with the reporting agencies in which they responded with " account verified ''. I was never provided a copy of how the account was verified and my report is still showing these inaccurate late payments for XXXX XXXX XXXX, XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX ; and XXXX XXXX XXXX, XX/XX/XXXX. I have sent in multiple letters requesting that these late payments be removed because they are inaccurate and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
15 USC 1681I ( ii ), it is crucial that accurate information is reported on my credit profile. The incorrect entries on my report are damaging my creditworthiness and financial reputation, which is unacceptable given the protections afforded to consumers under the law. This account was removed previously and now has been reinserted. According to the law before reinserted account, the consumer must be notified, and I wasn't. My identity was taken, and Falsey inserted on my credit. 

ACCOUNT XXXX XXXX XXXX XXXX  ACCOUNT # 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 2023-12-15
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
US auto sales use the tracking device that was placed on the vehicle at the dealership to track the vehicle down And repossess it without notice or knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: DIGITAL FEDERAL CREDIT UNION
State: NC
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info.

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 2023-09-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 2023-10-26
Company: Experian Information Solutions Inc.
State: CA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-12-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not consent, nor benefit from, or authorize any of the following Accounts : XXXX. XXXX XXXX XXXX - Account # - XXXX report furnished by Experian. 
XXXX. XXXX XXXX XXXX - Account # - XXXX report furnished by XXXX. 
XXXX. XXXX XXXX XXXX - Account # - XXXX report furnished by XXXX XXXX XXXX. 


Pursuant to 15 USC 1681 ( a ) ( 4 ), there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Pursuant to 15 USC 1681 ( b ), you did not meet the needs of commerce because I do not find my consumer report to be fair, accurate and equitable to me.

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 2023-04-02
Company: EQUIFAX, INC.
State: IL
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 reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility with maximum accuracy. I have never been late on payments for the account : XXXX XXXX XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
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: Account status incorrect

Complaint:
XXXX information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting.

Under federal law, you have ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 3015 U.S. Code 1692e - False or misleading representations ) days of the completion of your re-investigation.

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I requested to close my checking account on XX/XX/23. The account remained open as of today but we had no access to the fund. That is, we could not transfer money out and we could not withthraw money either. On XX/XX/23 we called Chase and was told that the branch will be able to help. So I went to the branch and they could not do anything either but they asked me to call XXXX XXXX XXXX. I did call and the person who I spoke to promised to have the account closed and a check sent to me within a week. As of today, XX/XX/23 nothing had been done. I went online and my accound looks just like before with a balance but I have no access to the fund in the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: Nelnet, Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Back in XX/XX/2023, I started the XXXX XXXX program which transfers your loans into a XXXX XXXX status. As part of the initiative you get a fresh start and ALL LATE/PREVIOUS/PAST payments are to be REMOVED to have a " Fresh start '' after 90 DAYS of signing up. I spoke with NELNET and they stated that XXXX XXXX were responsible for updating my credit report to reflect NO late payments. After 7 months of trying to get it resolved XXXX XXXX, they stated that they were informed by the dept of Education and student aid.gov that NELNET are the ones that suppose to update my credit report since they were my original loan servicer and they still have loans that belong to me and loans were sent to XXXX XXXX. I spoke with the dept of Education and student aid.gov as well and they've stared to reach out to NELNET to RESOLVE.

Company response to consumer: Closed with explanation