BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-25
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This communication is a follow-up in regards to closed complaint XXXX Southwest Credit Systems, L.P.is in clear are violating federal laws against my person and natural person and of the FDCPA Laws. From their previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth, debt validation form/letters, and correspondence, as well as exhibits, have all been ignored. 

Southwest Credit Systems, L.P. responded by sending a letter with absolutely no information and did not include the requested information from any of the correspondence sent out with certified mail validation. This included NO notarized under penalty of perjury Affidavit of Truth responding to my Affidavit of Truth line by line signed by the CEO, CFO, or any superior of Southwest Credit Systems, L.P., NO completion of the debt validation form, I have yet to receive validation on behalf of the account with any contract bearing my signature stating I would be responsible to pay any debt to Southwest Credit Systems, L.P., LLC or any company that they represent and whom I have no contract with for an alleged debt I do not owe. Instead, I have received numerous debt collection attempts and itemized report statements as " proof '' that said debt has been validated from the " original creditor '' XXXX and which per FCRA/FDCPA does not constitute verification. Please note that on XX/XX/2019 the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Zions Debt Holdings
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was tricked into signing up for this XXXX account I was told I could get it if I applied for XXXX if I didnt have the money upfront so I did and I got approved I think for XXXX $ XXXX thought that was that the person that came over didnt tell me the total cost of what I was paying and that I would owe even more than what I got approved for. Before I could figure anything out and after services were rendered I got this big bill. I ended up getting XXXX n got rid of house n security system and they decided to add this balance to my account

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: OR
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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
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:
XX/XX/2021, I requested XXXX XXXX, by Certified US Mail # XXXX XXXX XXXX XXXX XXXX, Equifax by Certified US Mail # XXXX XXXX XXXX XXXX XXXX, and XXXX  by Certified US Mail # XXXX XXXX XXXX XXXX XXXX XX/XX/2021, to please send me copies of the documents that they have in your files as of this date that you used to verify the accuracy of certain accounts they are reporting on my credit report. 
I informed them that Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in their files, at the time of this request, concerning the above accounts that they are reporting in my credit report. 
I requested that they please do not respond to my request by saying that these accounts have been verified, instead, please send me copies of the documents that they have in their files that were used to verify them. 
As of this date, more than 30 days have passed and they have failed to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello, the problem I have is that the Coinbase ( Coinbase Inc. - XXXX XXXX XXXX. ) company has blocked my account for no apparent reason, I have been trying to unblock my account for almost 6 months, and constantly the application asks me to send my ID, I sent it but the account after verifying the document and accept it, automatically, it is locked again. I have written more than 50 emails and tickets and there is no way they will respond to me. It is an account with a lot of money, about XXXX USD, I deposited a smaller amount but the rise of cryptocurrencies made me have more capital, which I want to withdraw but it is IMPOSSIBLE, they do not let me do anything with the account, or withdraw my cryptocurrencies, or exchange them, nothing. My account is XXXX and I have been a user since 2019 or even earlier.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Background : I've been a Citibank credit card account holder since XXXX, and it recently came to my attention that I'd been enrolled in their " XXXX XXXX '' program unbeknownst to me. This is a program that, to the best of my knowledge, I've never agreed to participate in, but have nonetheless been subject to, exposing me to years of monthly fees totaling in the thousands. Over the past months I've contacted Citibank on numerous occasions requesting proof that I willingly enrolled in the " XXXX XXXX '' program. In each instance no such proof could be relayed by phone, only a promise to share such details by mail. I've since received two identical letters ( one of which I'm including in this complaint ) suggesting that I enrolled in the program XX/XX/ with no evidence to support my authorization ( something that was promised when speaking to Citibank representatives by phone ). What's more, when speaking with Citibank representatives I was assured this was a program I would have had to proactively enroll in, suggesting that such proof of consent exists. Still, no details have been offered. As far as I can tell Citibank fraudulently enrolled me in their " XXXX XXXX '' program, collecting monthly fees I never authorized and has placated me in all attempts to refund said monies. 

XXXX Update : Citi 's response to my complaint lodged through the CFPB is their latest attempt to further placate me. They've provided no additional evidence that would prove I willingly enrolled in the XXXX XXXX program, only suggesting that my activation of the card was consent enough. What's more, they included a veiled threat to alert ratings agencies of any delinquent payment activity due to the dispute, despite the fact that my account is in good standing. This was a boilerplate response that aims to dissuade me from any further action.

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 2023-07-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm deeply troubled by this matter and it's impacting my sleep. I've consistently made payments on time, so I'm requesting an immediate update to my account due to the distress it's causing me.

Company response to consumer: In progress
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: MN
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone opened up a credit card using my name and social security number with FNB OMAHA as the lender. I called FNB OMAHA and got the card canceled.

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 2023-03-06
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:
In accordance with the fair reporting act the list of accounts below has violated my federal practice consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX  acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 U S C 1681 section602 A states that I have a right to privacy. 
15U S C 1681 section 604 A section 2 it also reports the consumer reporting agency can not furnish account without my written instructions.

15 USC 1681c ( A*5 ) section steaks no consumer reporting agency may make any consumer report containing any of the following terms of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U S C 1681s-2 ( A*1 ) A person shall not furnish any information relating to a c 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 non-monetary relief
Consumer complaint received 2021-07-26
Company: Experian Information Solutions Inc.
State: WA
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:
Experian is incorrectly showing that I have a payment of over {$40000.00} per month!!! When the actual payment is less that {$300.00} per month and I have provided proof of this FACT, this is incorrectly showing my debt to income ratio is over 442 % thereby ruining my credit. All credit bureaus except Experian is showing the CORRECT payment. Its impossible to pay {$40000.00} per month when If owe that total amount. If the Experian credit report was accurate then I would pay {$480000.00} per year!!!!!! THIS IS AN ERROR!!! 
Please show what I pay monthly CORRECTLY. I have a court order proving this point. The next step will be litigation. Why has XXXX  and XXXX  accepted the TRUE facts and Experian has not. Experian is contacting child support and simply asking what they believe I owe but Experian is not accurately show my monthly payment that has NEVER been Late and NEVER been in collections as a missed payment. I DO NOT HAVE A {$40000.00} per month payment!!!!!!! Correct my TRUE monthly payment is all. To make matter worse this reporting is WAY past the statute of limitations and Experian is violating the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: TX
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:
I am writing to file a formal complaint regarding the multiple unsuccessful attempts I have made to correct late open account on my credit reports with Experian. Despite my persistent efforts to rectify this issue, these inaccuracies remain unresolved, and they are significantly impacting my creditworthiness and financial standing. I have identified the account on my credit reports with Experian and XXXX that continue to be inaccurately reported as late opening : 1. XXXX XXXX XXXX XXXX Balance : {$4500.00}. I have previously disputed this inaccuracies through the established dispute resolution process, providing supporting documentation and explanations that clearly demonstrate that these accounts were opened on time and have been in good standing. Despite my efforts, I have not received any meaningful response or resolution from Experian. The late open account remain unchanged on my credit reports, negatively affecting my credit score and my ability to secure new credit. I kindly request that you investigate the continued inaccuracies in reporting the opening dates of this account and take the necessary steps to correct them in both Experian credit report. Please provide me with a written response within the 30-day time frame mandated by the Fair Credit Reporting Act ( FCRA ). Include details of the actions taken to address these inaccuracies and confirm the corrections made in both Experian credit reports. If any documents or additional information are required from my end to facilitate this process, please inform me promptly. Maintaining accurate credit reports is of paramount importance in determining my financial stability and credibility. I am deeply frustrated by the prolonged and unresolved nature of this issue and urge you to prioritize its resolution.

Company response to consumer: In progress
Consumer complaint received 2021-07-24
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received medical care from XXXX XXXX XX/XX/2018. I filled out an application for Financial Assistance/XXXX XXXX within a week of services rendered. I was Uninsured, unemployed, receiving XXXX, single parent of a baby and transient at the time due to leaving an unsafe situation. XXXX made no attempt to reasonably contact me ( not even a phone call to help before selling it off ) of their determination and sold the debt ; reporting adverse information. Now I have a medical bill reporting on my credit from Merchants Credit Guide Company ( MCG ) since 2018 in the amount of {$7400.00} on behalf of XXXX. I requested a verification of debt from MCG. They sent me a copy of a bill they have on file which shows the bill was paid as a charity adjustment with a negative balance. They are continuing to report a bill that is paid. XXXX informed me they had no proof of anything and Im financially responsible. MCG will not update and remove their inaccurate reporting. Neither company has been helpful and the reporting on this matter has been harmful.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX., XXXX, TX XXXX SS # ENDING IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
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: Investigation took more than 30 days

Complaint:
I have been disputing my erroneous accounts reported in my credit report since XX/XX/2021 and have never received a response from the credit bureaus. What else am I supposed to do so that my rights are not violated? I have already sent letters by all known means. I am not happy with the way the credit bureaus have handled my case. I am in my right to dispute all the erroneous accounts that I find in my report, and, if it is not verified, it must be eliminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.

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