BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, Acct No. XXXX, has violated my rights. 

15 U.S. Code 1681 Section 602 A. States I have the right to privacy.

15 U.S. Code 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish an account without my written instructions.

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 2023-12-18
Company: Brennan & Clark, Ltd., LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I USED TO HAVE A NOTARY SIGNING SERVICE BUSINESS AND XXXX XXXX XXXX WAS THE COMPANY THATUSED TO PROVIDE THE PAY CHECK TO MY STEPSON XXXX XXXX AS EMPLOYER .WITH THE ACCOUNT # XXXX. I PAID XXXX EVERYTHING THAT NEED TO BE PAID. AND I FOUND OUT XXXX XXXX SENT MY NAME TO DEBT COLLECTOR NAME XXXX XXXX WITH FILE # XXXX AN AMOUNT DUE {$160.00} THAT I DIDN'T OWED AND SINCE MANY DEBT COLLECTOR KEPT CALLING FOR DIFFERENT AMOUNT OF MONEY. I WOULD LIKE THOSE DEBT COLLECTORS XXXX XXXX AND XXXX XXXX TO STOP CALLING ME FOR A DEBT I DON'T OWE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: CHECKredi of Kentucky, LLC
State: VT
Product: Debt collection
Sub-product: Other debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
Every XXXX days I receive a text message that says ; we are attempting to reach ( my name ) regarding your gas payment account 's. We can help you get reactivated. Simply respond to this text message to chat with one of our agents or call XXXX. This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Thanks, XXXX XXXX Checkredi Also it was from XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-12-18
Company: Express Collections, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After carefully reviewing my updated credit report, I saw that you are currently reporting this collection account provided above on my credit report. I have no knowledge of this account in the first place. 

EXPRESS COLL ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: AL
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:
They are violating my consumer right under the Fair reporting acting Account : Self 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 non-monetary relief
Consumer complaint received 2021-02-05
Company: Self Financial 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 information incorrect

Complaint:
I disputed a 30 day late payment that they reported to the credit in XX/XX/2020. They removed the 30 day late payment off my XXXX  report and then added a 60 day late payment for XX/XX/2020. I made the XX/XX/XXXX due date payment on XX/XX/2020. I have not been treated fairly and I'm completely being taken advantage by this company.This is the second time they reported inaccurate information on my credit report. I'm going into a XXXX  XXXX the way there treating me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 XXXXXXXX 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 an 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 ot
her 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 2021-12-13
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I did not give prior written consent to have anything furnished on my credit report, reported below. No consent is fraud pursuant to 15 US Code 1681b Permissible purpose of consumer reports.

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 2021-04-03
Company: BMW Financial Services NA, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my last step before filing a lawsuit on XXXX XXXX XXXX in the XXXX of Virginia. 
Multiple disputed all documented XXXX XXXX XXXX failed to follow procedure when processing a dispute. They've complete disputes early without actually verify if the information was correct. I've been denied credit cards and loans for this misinformation. It has cause me great stress in my life trying acquire new credit. The information is simply not correct and needs to be corrected or removed. No one should have information being reported differently on all credit reports from the same creditor. When a consumers credit is pulled they are pulling all 3 credit reports and if things don't match up then you may have a problem. For years XXXX XXXX XXXX has been ruining my credit with these ploys. I've taken major steps to repair my credit and they are now a block in the way. I paid debts that were reported correctly if I owed that company and the validation is accurate. 
XX/XX/2021 Sent to XXXX XXXX XXXX a Factual Base Dispute consisting of errors placed by their company against me. XXXX refused to update the information to maximum accuracy. XXXX XXXX XXXX  accused me of using a credit repair services when I have wrote these letters by myself. I will include the 30+ letter that I have used to send XXXX and XXXX XXXX This letter goes over every possible error that I thought I could find, that is causing great harm to my person. I've included proof behind every error. I've sent it to each credit bureau so they can all correct the errors. My intention is to pay all my debts, remove any negative nark against my name, and protect my identity. I also give Equifax and Transunion any Authorization again CFPB be my witness. I will include all copies to identify me. 1 See, e.g., 15 USC 1681e ( b ) ( requiring consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning an individual about whom the report relates ) ; 15 USC 1681i ( requiring a consumer reporting agency to reinvestigate upon receiving a consumer dispute ) ; 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( prohibiting a furnisher from furnishing information that it knows or has reasonable cause to believe that the information is inaccurate ) ; 15 USC 1681s2 ( a ) ( 1 ) ( B ) ( prohibiting the furnishing of information where the consumer has notified the furnisher that the information is inaccurate and the information is in fact inaccurate ). https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When an item shows up as a duplicate an your credit report, it should easily be removed with a dispute letter to the credit reporting agency. Unfortunately, this is not the case with the incompetent employees working for Equifax. who rely heavily on their XXXX and XXXX XXXX systems to do their jobs. 
Randomly, checking my credit report around mid XXXX, I came across the same furnisher on my Equifax credit file with two completely different account numbers. 
XXXX XXXX XXXX # XXXX with balance XXXX and second XXXX # XXXX with the same balance XXXX. I disputed and asked of the item to be removed. Equifax found it as verified. 
To my knowledge, I have one account with this lender. And have no idea where the second account came from. I am requesting legal action to have this incorrect information removed from my credit file immediately. Or I will be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX has been causing me a lot of hardship by continuing to report inaccurate information on my credit report. I started to file disputes for investigation in year XXXX. They have also been continuing to call and harass me for payment arrangements on an unverifiable account that has not been proven to be accurate. I have made multiple investigations and no changes have been made. 
They have been in violation on multiple account possible having to cause me to hire an attorney. They have told me via mail letter in XX/XX/XXXX that everything was accurate, and I pulled my credit report XX/XX/XXXX and it's still not accurate nor has this account been verified as accurate this has been reporting for 7 years to date. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting.

605. Requirements relating to information contained in consumer reports ( 15 U.S.C. 1681c ) ( 4 ) Accounts placed for collection. Or charged to profit and loss which antedate the report by more than seven years.

606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ( I Did not receive any1099 for this account charge off, I did not receive all information that was requested. ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Please remove this account. 


XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX, UT XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my last step before filing a lawsuit on XXXX  XXXX Transunion in the XXXX of Virginia. 
Multiple disputed all documented XXXX  XXXX Transunion failed to follow procedure when processing a dispute. They've complete disputes early without actually verify if the information was correct. I've been denied credit cards and loans for this misinformation. It has cause me great stress in my life trying acquire new credit. The information is simply not correct and needs to be corrected or removed. No one should have information being reported differently on all credit reports from the same creditor. When a consumers credit is pulled they are pulling all 3 credit reports and if things don't match up then you may have a problem. For years XXXX  XXXX Transunion has been ruining my credit with these ploys. I've taken major steps to repair my credit and they are now a block in the way. I paid debts that were reported correctly if I owed that company and the validation is accurate. 
XX/XX/2021 Sent to XXXX XXXX Transunion a Factual Base Dispute consisting of errors placed by their company against me. Equifax refused to update the information to maximum accuracy. XXXX  XXXX Transunion accused me of using a credit repair services when I have wrote these letters by myself. I will include the 30+ letter that I have used to send XXXX  and Transunion XXXX This letter goes over every possible error that I thought I could find, that is causing great harm to my person. I've included proof behind every error. I've sent it to each credit bureau so they can all correct the errors. My intention is to pay all my debts, remove any negative nark against my name, and protect my identity. I also give Equifax and Transunion any Authorization again CFPB be my witness. I will include all copies to identify me. 1 See, e.g., 15 USC 1681e ( b ) ( requiring consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning an individual about whom the report relates ) ; 15 USC 1681i ( requiring a consumer reporting agency to reinvestigate upon receiving a consumer dispute ) ; 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( prohibiting a furnisher from furnishing information that it knows or has reasonable cause to believe that the information is inaccurate ) ; 15 USC 1681s2 ( a ) ( 1 ) ( B ) ( prohibiting the furnishing of information where the consumer has notified the furnisher that the information is inaccurate and the information is in fact inaccurate ). https : 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 2023-10-09
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
All this information need to be updated correctly. 
Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX - Employers : ALABAMA XXXX XXXX XXXX XXXX XXXX XXXX  I should only have one name same as it appears on my drivers license or social security card no other names abbreviations etc. only one address Which is XXXX XXXX XXXX XXXX no work employment should be on my report I dont work for anybody thats inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XX/XX/XXXX I sold my XXXX XXXX XXXX to XXXX for {$26000.00} which I received a printed bank draft for that was printing using the secure bank print. I deposited the bank draft that night and it said my funds would be available in the morning. I called the bank because the funds were not available and they told me it was marked as an altered check and they closed my checking account. I have been in contact with the business manager from XXXX, my local branch ( which apparently couldnt do anything they just called someone while I was in the office and had them talk to me ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has released the funds and verified it but my bank still has my account closed and funds locked. The business manager from XXXX recommended I add him to the call so he can verify that the funds are legit, but bank of america declined to talk to him. They asked me for his contact info in which I called him today and he said they never reached out to him. I am out XXXX XXXXXXXX and now have no vehicle to work with so I am losing money everyday this goes on as I have nothing to pull XXXX XXXX XXXX with and can not work now. 
The bank this is happening with is bank of america.

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 monetary relief
Consumer complaint received 2021-04-04
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello, thanks for receiving my complaint. I have an account with Coinbase. 

On XX/XX/XXXX, my Coinbase portfolio account contained, XXXX. 

On XX/XX/XXXX, I decided to use XXXX of the existing cash balance in my account to buy Bitcoins and I bought bitcoin but then about 1/2 later I sold the bitcoin for XXXX USD. I believe I transferred this money out of Coinbase to my bank account. 

Also on XX/XX/XXXX, I decided to withdraw the remaining {$4600.00} cash from Coinbase and I transferred the {$4600.00} to XXXX and then to my bank account with the XXXX Federal Credit Union. 

I received notices from Coinbase that bought, sold and transferred as described above. 

A few hours later, I received notices from Coinbase that I needed to pay them {$8200.00} or my account would be closed and anything in their would be sold. 

I think what happened is the Coinbase processing time lagged behind my purchase, sale and withdrawal and now my account is frozen with a portfolio balance of {$8200.00} with Coinbase saying that I need to pay them this amount in 5 days or their going to close my account because I violated the terms. 

I created a ticket requesting a statement of account and I received a reply telling that since my account was disabled, that Coinbase could not issue a statement.

I also created a ticket asking Coinbase to please rectify my account.

I also contacted my credit union because then Coinbase tried to withdraw {$4000.00} from my bank account. Coinbase also tried to collect the {$4600.00} that I deposited into Paypal and they may have collected this money because it has not yet deposited into my bank account.

Can you please help me it's all the money that I have?

Coinbase says I have 5 days but I did not do anything wrong. 

I am attaching a : XX/XX/XXXX, Portfolio Balance {$8200.00} XX/XX/XXXX notification from Coinbase that I sold bitcoin for {$4100.00} and a XX/XX/XXXX notification form Coinbase that I my withdrawal for {$4600.00} started. 

In another situation on XX/XX/XXXX, after I withdrew {$3900.00} after selling all of my bitcoin. I transferred {$1900.00} to my bank account and I transferred {$1900.00} to pay for my credit card. 
The next day, without any notice to me, Coinbase withdrew {$1900.00} from my bank account. I created a Coinbase ticked and the response that I received was, " Coinbase resolved and closed your case. '' I never received any more reply. But I also created ticket requesting a Statement of Account and I am unsure if the reply related to my request for a Statement of Account. I never received the {$1900.00} refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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: Information belongs to someone else

Complaint:
In XXXX of 2022, I filed a complaint with the CFPB against Experian for failure to comply with the FCRA which they claim they follow to protect consumers ' information. The claim I filed was for fraud for an account the XXXX XXXX was reporting that was mine. I sent in all of the necessary documents to show proof that I did everything required to get this information suppressed, but there was a failure on Experian because they never suppressed the information like they were supposed to. 

In accordance with the FCRA 605B ( 15 USC 1681 c-2 ) Block of information resulting from Identity Theft. Within 4 days of receipt of this information, they were supposed to block the reporting of the information and do a thorough investigation which was not done. I received feedback from Experian that they contacted the data furnisher and asked if the information was accurate without investigating all of the documents I provided. Because they did not do this it was an immediate violation of the FCRA.

Their failure resulted in them not following FCRA 616 ( 15 USC 1681n ) Civil liability for willful noncompliance. Under this law, I am to receive any monetary payment for actual damages that occurred because of this. 

It was their failure that resulted in my family not being able to purchase a home because the account from XXXX ( Acct # XXXX ) which should have been removed from my Experian report was the prime cause of me not being able to purchase a home and the result was I had to accept a rental instead which cost more than my schedule mortgage payment was going to be.

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