BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-09
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXXXXXX XXXX XXXX  which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-02-08
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:
With respect to Chapter 41 : 15 U.S. Code 1681, I being a consumer, am entitled to a accurate and complete consumer report. According to my consumer report generated on, XX/XX/2023 of there are some inaccurate not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. 

The following information needs to be omitted, Please note upon completion of the requested, a new updated copy of my consumer report should be mailed to the mailing address that you have on file. promptly. 

Omit the following inaccurate addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Omit the following employers XXXX XXXX XXXXXXXX XXXX XXXX Attached to this initial request I have attached my identification. I suspect that you would have no issues removed the aforementioned information in a. timely fashion Kind Regards, XXXX ; XXXX : XXXX Without prejudice, Al natural inalienable rights reserved

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXXXXXX 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.

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 2021-07-11
Company: Credit Control, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Control LLC claims I owe {$3400.00} to XXXX XXXX  which I believe to be XXXX XXXX, from a checking account closed in 2018, I believe. The amount represents overdrawn amount before account with XXXX closed out. Prior to closure, a mobile check deposit in the amount of {$4200.00}, which is a closeout check from XXXX XXXX, was made on or around XX/XX/2018. A stop payment placed on check without my knowledge, prior to deposit. XXXX  XXXX  has not reimbursed for funds owed to date, they closed out my checking account without releasing funds in amount of {$4200.00}. Credit Control LLC is the second or third collection agency attempting to collect on this debt, which I believe is owed by XXXX  XXXX and not myself, they stopped payment on their own check without my knowledge, I have not been able to recover funds to date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-02-01
Company: EQUIFAX, INC.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: WA
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 have violated has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX Account Name : # XXXX 15 U.S.C. 1681b ( a ) ( 2 ) : 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 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 ) Section states : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Back in XXXX I had a dispute with Bank of America regarding unemployment benefits and the was told that the dispute was denied. However, upon opening a new unemployment claim in XXXX I have discovered that the claim was later approved and funds were allocated to a dummy account without my knowledge or consent. A debit card was sent to XXXX XXXX XXXX XXXX even though that is not my address and they continue to send statements and dispute letter and debit cards to that address despite numerous escalations from my sponsor to update the address, email and number on file and constant request from me to do so as well. I even filed complaints with the OCC to no avail. They provided me with false statements that showed refunded or pending transactions as if they were final and still refuse to give me access to my actual account generated by my sponsor. They have since denied my dispute that I filed on XX/XX/XXXX after constantly pleading for assistance. It was horrendous. They blocked access until I literally coordinated with the guy at the address to let him know that I am now aware and that if I didn't receive the debit card being sent the police would be involved. Finally, I was able to activate a card and gain access to see that they just opened this account in XXXX XXXX after my new EDD claim was approved and started putting funds from the old dispute from XXXX into it but was missing a lot so I did the best I could to research and disputed the additional transactions from 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 monetary relief
Consumer complaint received 2023-01-19
Company: ENCORE CAPITAL GROUP INC.
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 received a letter from " Midland Credit Management '', dated XX/XX/XXXX, stating " We are trying to collect on your XXXX XXXXXXXX XXXX debt that you now owe to MCM. We will use any information you give us to help collect debt ''. They further stated in the letter, " On XX/XX/XXXX, your account was sold to Midland Credit Management , Inc, which is now the sole owner of the debt ''. 

This is extremely concerning to me as this is not my debt and I am in no way responsible for paying this. What is more concerning is that they have my address on file to send me this collection letter. I am confused how this company has my address in the first place. Additionally, the name on the front of the letter and the name that is used throughout the contents of the letter is the incorrect spelling of my name. I am not sure if this is fraudulent but I believe Midland Credit Management is utilizing extremely predatory tactics to collect this debt that does not even belong to me. I consistently check my credit using XXXX XXXX XXXX XXXX as well. XXXX, XXXX, and XXXX does not show any opened accounts with this information, or any accounts in default for that matter. 

They state that that " As of XX/XX/XXXX, you owed {$330.00} ''. They state I had a " XXXX XXXX XXXX XXXXXXXX '' account and that it has been in default since XX/XX/XXXX. It also states that the last payment date was : XX/XX/XXXX and the account was charged off on XX/XX/XXXX. 

The letter states : " Call or write to us by XX/XX/XXXX, to dispute all or part of the debt. If you do not, we will assume that our information is correct. 

I do not feel comfortable contacting this company on my own as I do not want to give them any more information than they already have. This issue is extremely pressing as they have given me until XX/XX/XXXX to respond or they will assume that they information they have is correct. If you have any questions please do not hesitate to reach out to me via phone or email to get this issue resolved promptly. 

Below I will list off contact info they have listed in the letter : Email : MidlandCredit.com Phone : XXXX Send payments to : Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX " Send disputes or an instrument tendered as full satisfaction of a debt to : Attn : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You may also call : XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted 1 ) XXXX XXXX dated XX/XX/XXXX 2 ) XXXX dated XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX dated XX/XX/XXXX Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted 1 ) XXXX XXXXXXXX dated XX/XX/XXXX 2 ) Bank of America dated XX/XX/XXXX 3 ) XXXX XXXX dated XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EdFinancial Services
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Original Email to Edfinanical Customer Service dated XX/XX/XXXX " In light of recent decisions by the white house, I would like request a refund on several payments made since XX/XX/XXXX. 

Payments I would like a refund on are below with the dates they were processed and payment total. The refund and remainder I have left to pay will equal the forgiven amount of {$10000.00}. 

XX/XX/XXXX = {$520.00} XX/XX/XXXX = {$520.00} XX/XX/XXXX = {$520.00} XX/XX/XXXX = {$520.00} XX/XX/XXXX = {$500.00} XX/XX/XXXX = {$500.00} XX/XX/XXXX = {$600.00} XX/XX/XXXX = {$500.00} XX/XX/XXXX = {$500.00} XX/XX/XXXX = {$500.00} XX/XX/XXXX = {$600.00} XX/XX/XXXX = {$600.00} XX/XX/XXXX = {$600.00} XX/XX/XXXX = {$700.00} XX/XX/XXXX = {$600.00} XX/XX/XXXX = {$400.00} XX/XX/XXXX = {$400.00} XX/XX/XXXX = {$400.00} '' I received the response below on XX/XX/XXXX " Thank you for contacting Edfinancial Services. 

We have received your request and have submitted it for processing. Please note, all refunds will be processed according to the U.S. Department of Education 's timeline for the discharge program. We appreciate your patience. '' Since that response it has been over a month and I have heard nothing from them. The refund has not been issued to my bank account and the amount on my Edfinanical account does not reflect the refund I requested. The fact that I have received no other information is alarming and I would like the issue refunded as soon as possible. There is no reason someone should have to wait this long for a refund to be issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Goal Structured Solutions, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had contacted the company via email on more than XXXX occasion. I have a XXXX balance which shows to be true on their website. They also reached out and stated that my account is no longer with their company and to contact my XXXX. I have not heard from my XXXX  in this regard. However the debit that is shown on my credit report is not correct and disputing this with picture proof of no balance, nothing was done. It took no more than a few hours for my dispute to come back as nothing changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: MA
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed an account on my TransUnion report ... ..the account in question is : XXXX XXXX XXXX It is still reporting after my request to delete it because it does not belong to me.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/ to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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