BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-17
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:
After sending disputesXX/XX/XXXX, as of today Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Equifax has violated the FCRA 30 day regulation. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX/XXXX XXXX not mine XXXX/XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX not mine XXXX XXXX not mine INQUIRIES 1 XXXX XX/XX/XXXX unauthorized 1 XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXXunauthorized XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX   XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX/XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXXunauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX-XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX-XX/XX/XXXX-XXXX-XX/XX/XXXX not mine XXXX XXXX ****XXXX   {$570.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-04-01
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:
Account Name : XXXX  XXXX Account number : XXXX As I am looking at my credit report, to my surprise XXXX and Experian are reporting the above account incorrectly. XXXX is reporting date open XX/XX/XXXX and Experian is reporting XX/XX/XXXX as a date open. XXXX is reporting a close date XX/XX/XXXX and Experian is not reporting a close date. Experian is also reporting my payment as charged off from XX/XX/XXXX to XX/XX/XXXX, while XXXX is not showing a payment history. According to the FCRA, I have the right to an accurate credit report.

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 2017-06-14
Company: AES/PHEAA
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:
Account was granted retroactive forbearance that covered these time periods. I notified FEDLOAN to adhere to FCRA Secti on 623 ( a ) ( 2 )  in  XXXX   2017  and update the delinquent status listed on my account but was denied. I have since faxed a request to have this inaccurate and incomplete information updated and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX / XXXX / 2016   XXXX / XXXX / 2016   XXXX / XXXX /   2016  Are all dates that disputes to  XXXX  have been sent out - Not once has the disputes been resolved or responded to in a timely fashion. These accounts do not belong on my file and I have submitted numerous times to have them 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 explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, mn, XXXX Dear XXXX XXXX XXXX I am responding to your contact about collecting a debt. You contacted me by [ XXXX, XXXX XXXX XXXX XXXX fl XXXX. 
and identified the debt as XXXX. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. You have no proof that this debt is mine or that I signed for any service or phone. 

Thank you for your cooperation. Sincerely, 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 2021-06-10
Company: Lincoln Educational Services Corporation
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 information incorrect

Complaint:
As a federally protected consumer. 
I am currently being harassed by multiple debt collectors. Most of these debt collectors have sent me statements to collect a debt on a POSITIVE balance, if anything I should be the one getting paid.Based on the FDCPA 15 USC 1692 them sending me statements makes them a debt collector .Since they are NOT the original collector this makes them a Third-party debt collector .As a consumer I have the rights to know how much was this sold for or the commission it was assigned. ALL of this so far are violations to the LAW. I have asked for validation and a signed contract between me and the third party debt collectors, which they have not sent me only statements and statements does not mean contract by any means.With this being said that is under violation as well and considered fraud because they unknowingly put me under contract and tarnished my credit report and reputation .Which is another violation. Under the FCRA 15 USC 1681 THESE debt collectors ruined my " reputation " with a bad debt and furnished it to my credit report. The debt also states " failure to pay this debt will result in us furnishing this debt to ANY or ALL consumer reporting agencies. '' This is considered a threat. The word debt is in fact obscene and profane. Last but not least as mentioned before the papers sent to me are all in a positive balance if I OWED anything to these unknown people the balance will be negative because it is impossible to pay a positive off, therefore this means its been paid with my social this entire time .Is there a way of reimbursement? 



The companies im talking about are : XXXX XXXX Amount : XXXX Date : XXXX lincoln Tech amount : XXXX Date XXXX XXXX XXXX XXXX  amount XXXX date XXXX XXXX XXXXXXXX XXXX XXXX amount - {$1000.00} dateXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX  was added to my credit collections. It originally didnt state any in depth info regarding the account it took over. Ive never received notice of this debt. After further research I gathered it was a PayPal related account that they purchased. PayPal was listed on my credit a few years back and fell off before I could dispute it. This isnt my debt.

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 2020-04-22
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company reported to the credit bureau that I still owe on a debt in which I submitted payment for. 

Through CFPB an agreement was reached that XXXX would satisfy full payment of a debt owed. I submitted the XXXX to the company, however, the company reported to credit bureau that I now owe {$61.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Experian Information Solutions Inc.
State: MA
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:
an account was fraudulenty placed on my credit file by  XXXX  . Below is the account information i have requested a proper verification several times from  XXXX  to prove that the account is mine or else they need to delete it frommy credit file. Each time there responce was account is verified as accurate without proof for me. They refuse to provide me with any contracts bearing my signatures or any proof that the account belongs to me.      XXXX   XXXX   - ACCT #  XXXX  DATE OPENED  XXXX / XXXX / 2016  BALANCE {$2200.00}

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 explanation
Consumer complaint received 2017-06-14
Company: EQUIFAX, INC.
State: MA
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:
an account was fraudulenty placed on my credit file by XXXX. Below is the account information i have requested a proper verification several times from XXXX to prove that the account is mine or else they need to delete it frommy credit file. Each time there responce was account is verified as accurate without proof for me. They refuse to provide me with any contracts bearing my signatures or any proof that the account belongs to me. XXXX XXXX - ACCT # XXXX DATE OPENED XX/XX/2016 BALANCE {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Kross, Lieberman & Stone, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX 2011 I was the XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX NC. The cash drawers came up short and there was claim of purse missing. I was accused of theft and fired.They asked me to sign a form admitting this and committing to paying them back. I refused to sign it as I was innocent. They have turned this over to a debt collector, XXXX XXXX XXXX XXXX, who produced an unsigned form dated XXXX 2011 as their proof of the debt.

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 2021-10-29
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: Account status incorrect

Complaint:
On XX/XX/2021 at XXXX PT, I called Equifax and spoke to XXXX at Equifax . I asked that the incorrect addresses and employers be removed from my consumer credit file. I was given confirmation number XXXX. 

I have attempted to have Equifax correct their reporting of information on my credit report. I did not give written permission to Equifax to report my personal information to anyone. Would the reporting and selling of my personal information without consent considered theft of identity? Even after advising Equifax of incorrect information, they willfully ignore my requests and also purposefully update my home address incorrectly. 

I would like to request a full file disclosure. 
Additionally, please verify, reinvestigate and send the credit file for the following accounts listed below on my consumer credit : 1. XXXX XXXX Acct No. XXXX 2. XXXX XXXX XXXX Acct No. XXXX 3. XXXX XXXX XXXX XXXX Acct No. XXXX 4. XXXX Acct No. XXXX 5. XXXX Acct No. XXXX 6. XXXX Acct No. XXXX 7. XXXX Acct No. XXXX Equifax has refused to provide weekly credit reports due to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX XXXX and I am submitting this complaint against BRANCH B & T BRANCH B & t has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to BRANCH B & T to FURNISH this account/item.

The DATE OPENED is INACCURATE and I DEMAND BRANCH B & T to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND BRANCH B & T to delete this account/item within 4 business days ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND BRANCH B & T to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND BRANCH B & T to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND BRANCH B & T to delete this account/item within 4 business days ( Exhibits provided ) BRANCH B & T duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!

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 2021-03-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio debt collection illegally put false information on credit report. They are saying I owe a medical debt from XXXX XXXX. This a medical use card that was paid by my insurance called XXXX. They first XXXX out my balance and then reported it. I called Portfolio services to have them remove this debt from my credit report. They told me I still owe. So I offered proof of payment and my credit report that shows where THEY PUT XXXX AS MY BALANCE. THE ORIGINAL DEBTOR XXXX XXXX RECIEVED PAYMENT FROM MY MEDICAL INSURANCE XXXX  before it was sold to portfolii service

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have tried on several occasions to have Capital One send the information regarding late payments on my account XX/XX/2015, XX/XX/2015 and XX/XX/2015. According to the law they should send me proof of late payments. According to my records the payment was made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XXXX21 at XXXX XXXX. I received three text messages saying my Coinbase verification code is XXXX. I found this to be odd because I hadnt had any transactions or authorized any transactions in my Coinbase account in months. At that time I opened my coinbase account to see what was going on and I noticed my XXXX had been sold and multiple transaction were being made without my authorization. Someone had hacked into my account and was selling off and stealing all my assets. I had already lost {$8000.00} and they werent done. I was able to send {$3300.00} to my personal bank account which I thought would be safe but the hackers immediately made a transaction from my personal bank account which was linked to coinbase for {$3000.00}. So I lost the {$3000.00} from my bank also. 
I immediately tried to call the phone number provided by coinbase but had no luck. I found an email option to file a fraud cause, so I did. Fraud case # XXXX was filed on my behalf. The return email stated that they received my email and would reply once they had more information to give and at this time my Coinbase account is locked. I have not heard anything back from Coinbase and are unable to talk to anyone about this case. Ive potentially lost around {$14000.00} and cant gain access to my account to actually see how much damage has been done. Id like to at least speak to a Coinbase representative to know they really are trying to help me. Ive read horror stories since this incident about Coinbase customer service and Im starting to see why there is so much distrust in Coinbase. I need someone to help me with this issue. Im just a blue collar worker trying to invest small amounts of my check each week Im hopes of making some extra money for retirement and its been stolen and I cant even speak to nobody about it. Coinbase is a multi billion dollar publicly trade company with zero customer service. PLEASE HELP! Thanks for your time XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TransUnion is reporting opened date and payment history in this account XXXX XXXX wrong, since this is inaccurate reporting please remove it from my credit report.

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 2017-06-14
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received a total of seven calls from Convergent Outsourcing. I do not owe any money. I have submitted numerous complaints now to the CFPB to try to stop these calls from various other debt collection agencies. Since getting my new cell phone over a year ago, I have been plagued by calls from debt collection agencies because apparently the number is somehow connected in the debt collection agencies ' computer systems to some other person 's number who has debts. The response from the debt collection agencies is always the same : " We have no record of having called your number. '' But they are calling me! Here is a list of all the calls I have received from Convergent Outsourcing ( all times are in Eastern ).
<P/>
 XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET

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