BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: CA
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 act # XXXX, XXXX XXXX XXXX act # XXXX, XXXX XXXX # XXXX, XXXX XXXX act # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX Act # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, US bankruptcy XXXX Act # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Brown’s New Credit Bureau Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing to you due to an unfortunate and highly detrimental decision that Bank of America ( " BOFA '' ) has made with respect to a business account in the name of my company,, a company duly registered and active in the State of Florida On XX/XX/2021, BOFA suspended access to account at BOFA This has caused immeasurable damage to my company as it has been unable to make the necessary payments to its suppliers. 

In fact, suppliers have canceled orders for non-payment. This, in turn, means that my company is unable to provide its customers with the merchandise they have requested. The only information BOFA has provided me is that they are investigating a deposit of {$2500.00}. 

Subsequently, on XX/XX/2021, I was notified that account is effectively CLOSED and that the account balance ( {$88000.00} ) will NOT be returned to me if the following occurs : * We determine that the funds are not owed to you. 
* We receive a court order or a XXXX order that requires us to turn over the funds to a third party. 
* A third party indemnifies us for returning the funds to such third party. 
* Ownership of funds is disputed. 

On XX/XX/XXXX, BOA sent a check to the address registered in the account for an amount of {$4700.00} accompanied by a letter indicating that this is the remaining balance in my account when in reality there was {$88000.00}. 

I hereby request to know where is the rest of the money is located and the subject and status of the investigation, and when the investigation is expected to be concluded. I have offered BOFA, on numerous occasions, to meet and provide all the support BOFA may need through phone calls, emails and I went countless times to the branch to finish their investigation, but my offers have not been accepted. BOFA 's actions are damaging not only my personal financial and banking reputations, but also our reputation with our suppliers due to non-payment. We are also severely affected by the income that we stopped receiving due to the freezing of the bank account and our inability to sustain our business in the short, medium and long term. 
I believe that a reasonable amount of time has elapsed for Bank of America to verify the transactions on the account and to refund all monies in the account at the time of closing.

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 2021-09-19
Company: The CMI Group, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have an item on my credit report from Credit Management LP claiming the original debt was with XXXX. I paid this debt in full over 4 years ago and returned all the equipment. Credit Management LP also claims this debt started on XX/XX/XXXX of XXXX I have not had a XXXX Account in over 4 years.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Coinbase.com advertises the ability to earn rewards for staking XXXX. all one needs to do is meet the requirements and hold at least 1 full XXXX  coin in their account. the account is supposed to receive ~6 % annual interest on your holdings delivered every three days. 

i have received no rewards after 60 days and holding over 700 XXXX  coins in this account. after contacting coinbase they can not describe why they are not giving me my money, simply floundering to find an excuse. i meet every requirement they set and have double checked every setting and there is still nothing. they are using my stake and keeping the rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: GA
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 was confused about some reporting on my credit reports among the XXXX bureaus. None of it was consistent so I sent letters to the original creditor, and I copied all XXXX  bureaus with my concerns. 

Equifax responded by removing missed payments from my report, but LOWERING MY SCORE XXXX points! XXXX responded by denying the dispute although I asked for clarification from my original creditor, not the debt holder. 

I also sent a letter asking that all addresses and phone numbers be removed from my report, and that has yet to happen. The addresses and phone numbers I do not recognize, and I provided my updated information. 

Upon further investigation, I learned that the reporting is NOT Metro 2 compliant. Which explains my confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had storm damage to my home and was issued a check to my contractor immediately by my carrieXXXX, XXXX XXXX. I sent endorsed check, along with the contractor 's report and signed proposal between myself and the contractor, along with an {$11.00} prepaid, stamped, addressed envelope to send back to me. My mortgage company received this package on XXXX The events that have unfolded have been a total nightmare with Shellpoint Mortgage. They will not endorse the check and return to me as they state my account is delinquent. It is not. I am in an active XXXX XXXX bankruptcy. I have talked to over 7 people, including a supervisor in the XXXX XXXX Department who has told me a different story - that I was late in 2020 and because of COVID restrictions, they can not release the check to me. His name was XXXX XXXX. I didn't even have my mortgage with Shellpoint in XXXX. Every single person has told me different information. I was also told my XXXX XXXX that his department didn't deal with this, to call customer service but that I needed to pay for an appraisal! I explained to XXXX XXXX that I should not be penalized for being in a XXXX XXXX bankruptcy and that I was not comfortable signing a new proposal with the contractor as I am going to be the one who gets sued when they do not receive their money timely. Given what has transpired to date, how can I believe anything they are telling me? 

Further, they received my package on XXXX and it is now XXXX and was told none of this when I first called on XXXX to make sure they received everything. This is the most incredibly inept, deceptive mortgage company I have ever been involved with. 

I am attaching a PDF document outlining dates as well as names as the events have unfolded.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: Mr. Cooper Group Inc.
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Roughly XX/XX/XXXX I opened an account for use by my daughter with Greenlight financial. They were supposed to send me a debit card within 7-10 days. I waited about 20 days thinking it was delayed, and no debit card was delivered. 

We were able to use the card digitally in the app because at least they gave the card information in the app. 

On roughly XX/XX/XXXX I still hadnt received the card. So I called Greenlight financial and reverified my address and they supposedly sent a new one. This too was never received. 

On XX/XX/XXXX, I again verified my address through their chat system and they again supposedly sent me a new one. I still have not received it. I requested that they send it through another means with tracking but they never confirmed that they did or did not. I assume they sent it through the same broken process they have been using. 

Today I at least tried to use the account with my daughter to purchase something using the card details in the app. The card details are no longer available in the app so I cant even do that. 

They are charging me {$10.00} per month for the account, but there is no way at all for me to access the funds in any way. 

This to me is an unfair and deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I was notified by Comenity Bank, they had closed my XXXX Credit Card with a claim of inactivity. They never sent a warning ahead of time, nor any indication of this occurring. I last used the card XX/XX/XXXX, and paid off my balance in full by XX/XX/XXXX. I questioned the company on the why, they claimed inactivity as the reason, then I was told it was information obtained from the credit bureaus was the reason for closure. They informed me in a reply that I could obtain the information for this in order to understand their reason, from the credit bureaus, I did contact and the credit bureau 's said that Comenity had not inquired about my credit as they claimed. Comenity then responded and in the correspondence, they also changed the date of the closure to XX/XX/XXXX, which is not the same date on their initial letter sent to me, they also did not clarify the reason for closing my card other than inactivity, when I questioned due to the fact I had used it less than 12 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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 non-monetary relief
Consumer complaint received 2023-04-03
Company: NCB Management Services 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: Was not notified of investigation status or results

Complaint:
Disputed NCB Management Services account serveral times with XXXX for reporting inaccurate information, not verify debt, double reporting same account on credit report labeling one account as collections and the other account as a current debt with original creditor as XXXX XXXX XXXX and XXXX with different debt amounts. The reporting year is also inaccurate causing the two accounts to appear on report beyond statute of limitations which would end XX/XX/XXXX not XX/XX/XXXX. I was not given any results or verification of debt after any of the disputes. There is a dispute statement listed which I did not provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: EQUIFAX, INC.
State: DC
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:
On XX/XX/2019, I completed an online registration to create an myEquifax account. During this process, I was presented with a Consumer Privacy Notice at XXXX XXXX XXXX, which I understand to be in compliance with the Gramm-Leach-Bliley Act ( GLBA ). 

The privacy notice suggests that I call XXXX at the specified hours, which I did at approximately XXXX XXXX. ET. The menu options were not straightforward, and after a few seconds, I was connected with an agent who did not appear to understand my requests. I was very clear in stating that I wished to limit the sharing of my personal information in accordance with a consumer privacy notice that I received. At first, the agent thought I wished to place a credit freeze ; after a few minutes ' hold, he returned and directed me to XXXX to opt-out of pre-screened offers. Neither were conductive to my request. 

The notice also states that I may limit Equifax 's sharing by : Visit us online : XXXX XXXX XXXX  and select Customer Service ''. I visited the link, which presented me with an FAQ page that did not have such an option. I also tried the " Contact Customer Care Representative '' link in the footer of the website, which sent to me another FAQ webpage that listed phone numbers for various issues, none of which appeared pertinent. I also logged into the customer dashboard portal of the myEquifax account and clicked on the " Support '' link, which again lead me to the FAQ page.

As there does not seem to be any way to limit this information sharing despite the consumer privacy notice 's suggestions, I am filing this complaint that Equifax is in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Diversified Adjustment Service, 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: Information belongs to someone else

Complaint:
I have no knowledge of this XXXX  credit error showing on my credit report. I was a victim of Identity theft and reported it on XXXX & XXXX. I dont know if this is associate with that but this is not my debt. I have mailed out 2 request to the credit bureau and the company. I have not received a response from the credit bureau and XXXX told me they have no record of an account with me. I need this collections removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Transuion is unlawfully reported fraudulent INQUIRY that arose from IDENTITY THEFT that they did not verify as required by law on my consumer report.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The Following Inquires are a result of Identity theft and was not initiated by me, I demand that this is DELETED immediately : XXXX XXXX ( Finance ). XX/XX/2023 2023

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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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