BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
i have been disputing inaccurate information with XXXX, equifax, and XXXX  over the last six months and yet the same errors appear on my credit report. every time i dispute these unverifiable accounts, i either get an " updated '' response and nothing changes. 

XXXX DEPT OF EDUCATION is falsely reporting XXXX, 150 day late payments. please update to paid on time if they can not be verified especially if my previous months were on time. 

XXXX XXXX XXXX is reporting inaccurate personal information. delete this from my credit report. 

EQUIFAX XXXX XXXX XXXX XXXXXXXX is reporting false late payments and missing payment history for the entire account. also reporting differently to experian. 

DEPT OF EDXXXX is falsely reporting XXXX, 120 day late payments. please update to paid on time if they can not be verified especially if my previous months were on time. 

XXXX XXXX XXXX  is reporting inaccurate personal information and false payment history that's unverifiable. delete this from my credit report. 

XXXX DEPT OF EDXXXX is falsely reporting XXXX, 120 day late payments. please update to paid on time if they can not be verified especially if my previous months were on time. 

i have attached proof from www.annualcreditreport.com for further review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This information that is listed on my chexsystem report and reported from XXXX XXXX is inaccurate and fraudulent. My information was exposed in the XXXX data breach twice, dark web and also in the fema data breach.Supported documents of my information being compromised is attached in this dispute below. My email address was hacked, social security, current and prior addresses, banking information, employer information, passwords and etc. My drivers license was also replaced/ reissued ( states at the bottom ) due to being loss and identity theft. My name was also used and spelled in different ways to obtain bank accounts online and other goods and is documented on file with the credit bureaus. A identity theft report was was submitted when this information was observed by the me the consumer. Disputes were submitted to the consumer bureaus and to chex system and related information was deleted from the credit bureaus from investigation. Monthly security alerts were also placed on all credit files and a freeze is currently on my chexsystem report.I am currently in the pending status of a settlement with XXXX  in reference of both data breaches. My information was compromised during a FEMA breach as well. I am requesting for the deletion immediately of all derogatory information and accounts that are associated with XXXX XXXX, on my chexsystem report. This is and was not done by my consent nor did I authorize it this fraudulent activity. The derogatory remarks and information has prevented me from opening any account in Florida due to this matter with Chex System. I have received numerous of harassing calls from XXXX XXXX stating I will be prosecuted and also a collection agency attempting contact via phone to collect funds not owed to them. I am in process of legal action. 1 ) Please provide physical in person debit/ credit card obtainment and proof of physical in person signatures. My information was compromised from a unknown individual and obtained from a family members mailbox.

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 2017-08-07
Company: Receivables Management Corporation
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account on X/XX/2017 with the credit bureau. I have disputed this account also in X/2017. I also offered and sent this {$50.00} check to the company to pay off the debt and they refuse the payment and sent the check back to me. The company is refusing to cooperate with me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have over {$70000.00} worth of BTC on my Coinbase wallet over 2weeks ago and I tried logged in and tried to send some BTC all for me to find out there was restriction on my account, I saw a notification on my email that I need to verify my email before I could trade again, I did verify with my UAE residency and it was confirmed and I was hoping that the restriction would be lifted but all to no avail, After a couple of days I couldnt login into my account again, Anytime I try login in all is see is my account has been temporarily disabled and I should contact support center which I have been doing with no reply apart from automated messages and its over 10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I XXXX XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to TransUnion to have inaccurate items removed from my credit report as well as some unknown things. My 3rd dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Transunion at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this pointI.

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 2020-08-13
Company: Experian Information Solutions Inc.
State: NH
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:
Experian will not remove a closed account. I recieved a 1099-C in tax year 2019 for XXXX from XXXX XXXX XXXX for a repossessed vehicle. This amount was reported on my 2019 tax return. Uploaded 1099 C to XXXX XXXX, they removed creditor from my credit report but XXXX and Experian won't remove.

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 2020-08-13
Company: EQUIFAX, INC.
State: NH
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:
XXXX  will not remove a closed account. I recieved a 1099-C in tax year 2019 for XXXX from XXXX XXXX XXXX for a repossessed vehicle. This amount was reported on my 2019 tax return. Uploaded 1099 C to XXXX XXXX, they removed creditor from my credit report but Equafax and XXXX  won't remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a Chase British Airways XXXX card. I have always paid off the entire balance. APR is 15.24 % so I would never ever consider carrying a balance. The statement period that ended XXXX/XXXX/15 had a balance of {$20000.00}. I made total payments {$20000.00}, there was also a credit in the amount of {$16.00}. Thus the balance to be carried over to the next statement period was {$380.00}. My mistake but I figured that it would n't cost me much. I was quite surprised when I reviewed the XXXX/XXXX/15 statement -- interest in the amount of {$54.00} was charged. I discovered that Chase charged full interest on a balance of {$4200.00} that would appear during the next billing period. I think this is grossly unfair, My position is that I should pay interest only on the {$380.00} difference stated above. After reviewing complaints on your site I have learned that this is systematized. This makes Chase standout as a first class loan shark. I am questioning whether I should continue to do business with Chase. I hereby request that Chase refunds me the difference between {$54.00} and the approximate {$4.00} that I should have paid on a {$380.00} balance. This means a refund of {$49.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY all not mine filed to ftc XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1500.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$1500.00} Highest Balance {$0.00} Terms 1 Months On Record XX/XX/XXXX Payment History potentially negative icon Potentially Negative StatusCollection account. {$1500.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$1500.00} Date XXXX Dispute Revolving Accountsshow tooltip button XX/XX/XXXXXXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCredit card Balance {$440.00} Date XXXX Dispute XX/XX/XXXX/XX/XX/XXXXXXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance- Date XXXX Dispute Installment XX/XX/XXXXtooltip button XX/XX/XXXXXXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$940.00} past due as of XX/XX/XXXX. 
Account TypeAuto Loan Balance {$24000.00} Date XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. 
Account TypeCell Phone Balance- Date XXXX Dispute

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 2015-04-13
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Delay from Chase in making a decision on my loan modification. I have been trying to get a decision for 6 months and every time I call they come back with another question or XXXX from " underwriting '' and than say the will get back to me in another 30 days if they have more questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Transunion continues to list an address -- XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ, XXXX -- where I have never lived.

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 2020-08-13
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a nordstrom account. I never had one. I do not know how this happened or why? I did not or have not applied for a Nordstrom credit card. 

I received a letter from XXXX XXXX XXXX  Reference number XXXX Claiming I owe {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Square Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I placed a complaint on XX/XX/2020, except the response that was received back is not a response. I submitted all documentation to XXXX then on XX/XX/2020 another representative sent another email asking for the exact same information that was already sent. Then on the XXXX another representative sent an email asking for my identification with me holding my id next to my face. Except it was already sent with a letter stating that no estate would be open due unless decent has XXXX XXXX or more. I'm not understanding why an additional license is required without my face when the previous two ask for that. I also spoke with a square representative, who stated they had nothing to do with cash app but yet I received a response back from them. This sounds fraudulent to me denying to be afflicted with cash app. Who are you afflicted with then? Do I need to go public with this issue meaning world wide on the news regarding Square and cash app?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: EQUIFAX, INC.
State: KS
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY all not mine filed to ftc XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1500.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$1500.00} Highest Balance {$0.00} Terms 1 Months On Record XX/XX/XXXXPayment History potentially negative icon Potentially Negative StatusCollection account. {$1500.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$1500.00} Date XXXX Dispute Revolving Accountsshow tooltip button XX/XX/XXXXXXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCredit card Balance {$440.00} Date XXXX Dispute XXXX/XXXX  XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance- Date XXXX Dispute Installment Loansshow tooltip button XXXX  XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$940.00} past due as of XX/XX/XXXX. 
Account TypeAuto Loan Balance {$24000.00} Date XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. 
Account TypeCell Phone Balance- Date XXXX Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Dept of Ed/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX reported to Experian that I applied for credit I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.

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 2020-01-09
Company: Penn Credit Corporation
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am currently working on trying to fix my credit and take care if debts if I owe.I Contact Penn Credit ( collection agency ) to dispute inaccurate information amount wasn't aware of this bill. XXXX XXXX XXXX XXXX send paper work which I requested and what they sent was not a bill, I contact Penn Credit on XX/XX/XXXX they sent back paper work which they couldn't understand, So they contact XXXX XXXX XXXX to send them something concrete and they keep sending back same information.Would like this remove from my credit report, it's been almost 60 days and no results

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: EQUIFAX, INC.
State: MD
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:
XX/XX/XXXX I disputed XXXX  account that I have no knowledge of. I also noticed the accounts were inaccurately reporting according to cdia metro 2 compliance data and the FCRA. Missing account numbers and failed the correct data requirements in order to report/furnish. Regulations Z states that data furnisher must contact you prior to reporting any information. The below companies did not do that because they are debt bulk buyers that did not verify nor validate these accounts before they furnished the information. Also, under the privacy act of 1974 and 15 usc 1681 I never gave permissible purpose, consent to furnish, transfer nor share my information. Who are the companies because I never done business with them. Contract law requirements are also violated. The time allotted to investigate the alleged debt is beyond and the inaccuracies remain. Please remove the incorrect information from my consumer report. They are beyond the investigation period and they are inaccurate. 
Did XXXX and XXXX  do their due diligence upon attempting to collect an alleged debt according to 15 usc 6802? Clearly and conspicuously disclosure to a consumer amongst other obligations? No they did not. Please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. This inquiry was not authorized by me. I request the prompt removal of the inquiry. I have attached a copy of the FTC affidavit of identity theft, a copy of a letter from another creditor where I was a victim of identity theft, a copy of my ID and a copy of my lease showing I did not live at the address attached to the inquiry.

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 2017-06-02
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
Our issue is with  a Wells Fargo   XXXX  mortgage, reporting an incorrect late payment. We used to own a home in NY, which we sold and closed on  XXXX   XXXX ,  XXXX . We have a letter of satisfaction fro m Wells Fargo d ated  XXXX   XXXX ,  XXXX .  Wells Fargo is r eporting that our payment was late in  XXXX  of  XXXX , which was 2 months after the account was closed ... .so clearly, it is being reported incorrectly. We have been in the process of trying to purchase a new home, and thru this process, we have been addressing the fact th at Wells Fargo is incorrectly reporting this account. We have personally reached out to Wells Fargo to ad dress the matter in  XXXX   XXXX  and two times in  XXXX  of  XXXX  ; we had a conference call with our new mortgage lenders credit reporting com pany & Wells Fargo, where Wells Fargo stated on the phone t hat the  XXXX   XXXX  late payment reported on our credit is incorrect, and they confirmed that the account was closed in  XXXX  of  XXXX  ... ..however the late payment from  XXXX   XXXX  is STILL on our credit report, and is now delaying our closing on the new home we are purchasing. We have been told that in order to get the incorrect late payment reported in  XXXX  of  XXXX  removed from our  XXXX  credit reports, that we must get a letter fro m WF that spe cifically states that the late payment from  XXXX  of  XXXX  was reported incor rectly. We have attempted to get such a letter from Wells Fargo, however this has not been a easy task .

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