BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
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 XXXX Account # 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 XXXX- I didn't give this company authorization to access my credit report for this reason. 

XXXX XXXXXXXX XXXX XXXXXXXX I didn't give this company authorization to access my credit report for this reason. 

XXXX I didn't give this company authorization to access my credit report for this reason. 

XXXX XXXX XXXX I didn't give this company authorization to access my credit report for this reason.

US DEPT OF EDUCATION- Still reporting after Paid Off XXXX  XXXX XXXX XXXX XXXX - Closed and still reporting

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 2022-08-18
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Date of Transaction : XX/XX/2022 XXXX Amount {$480.00} Unauthorized transaction. Have contacted Coinbase account support and card services too many times to count since XX/XX/XXXX. I bought a plane ticket om XX/XX/XXXX with my Coinbase card and then requested a refund from the merchant the same day which was credited to my account XX/XX/XXXX for the amount {$480.00}. This charge and refund was reconciled and balanced my account on XX/XX/XXXX. However, nearly 2 months later, I noticed a charge in the amount of {$480.00} on my account on XX/XX/XXXX. I did not initiate this charge. I called the merchant ( XXXX XXXX ) to determine if they for some reason charged my account but their investigation determined not. I suspect this is an internal error on Coinbase 's system. I have been told on every instance of contacting Coinbase that an account specialist will review my case. Not a single time have I been contacted by an account specialist so no resolution has been given. I have every email thread regarding this issue and I know Coinbase screens and records all calls. I have provided screen shots related to the complaint and charges. Here are a list of Case numbers related to this issue ranging from XXXX XXXX to XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already attempted to not only resolve this issue with the company directly but through the XXXX  as well. It led to some communication but was poor communication on behalf of Coinbase as they have yet to resolve the issue and communicate promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
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:
XXXX XXXX XXXX XXXX RABBIT XXXX XXXX XXXX XXXX FL XXXX DOB XX/XX/1973 SS XXXX I pulled up a copy of my credit report and seen there were some accounts that are not mined and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.. The following accounts in dispute are listed below : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX VIA XXXX UNIT XXXX, XXXX, FL XXXX, XXXX XXXX XXXX XXXX, XXXX HEAD MD XXXX. 
My current and only address are XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. PLEASE REMOVE ALL ANY ALL OTHER ADDRESSES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX These accounts are not mine, I do not want them on my credit report, I need them to delete them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: PA
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:
To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 

XXXXDEPT OF ED The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( l ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards,

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 2022-04-05
Company: ARVEST BANK GROUP, INC.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last month ( XX/XX/2022 ) I had requested and paid for a appraisal to cancel my PMI since it is now past the 80 % XXXX requirement. I paid on XX/XX/XXXX, and received a appraisal a week or so later. I called on XX/XX/2022 to see if there was a status update since I had not heard anything back yet and was informed by Arvest that my request had been cancelled by the investor. They also stated that I would need to apply again. I had not been denied and have not even seen any results from my appraisal. They had just flat out cancelled the request without sending me notice or refunding me the funds used to pay for the appraisal. I have a high confidence that my appraisal was going to allow me to cancel my PMI and that Arvest is just delaying as much as possible so that i continue to pay needlessly PMI out of my escrow. I have tried to contact the PMI department at arvest but have been unable to connect. I have requested they call me by both my personal email and by a in-house email from one of their customer service agents and have not heard anything directly from that department. Not that anyone can control where there loan was sold, but if its bought by them I would suggest trying to find other options or being aware that they are frustratingly unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Americor Funding, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
We are seeking your assistance ( along with the CFPB simultaneously ) after being Victimized by a company that purports to settle high interest credit card debt coupled to a low interest loan for settlement payment inside of 36 months. 
Company is Americor Funding along with Credit 9. We paid {$5700.00} over 12 months to them, debtors were never notified that they represent us, there was no loan, and they are not so much as licensed to do business in our state ( PA  ), We were summoned by local XXXX whose court placed a {$7000.00} judgement against us filed by one of our creditors that was never notified by Americor regarding their representation on our behalf nor contacted to negotiate settlement. 
High interest credit card debt resulted from the loss of venues of assistance through XXXX XXXX via physician 's office for Rx drug costs ( XXXX XXXX XXXX XXXX  ) which exceeded XXXX XXXX  of our monthly household income after same physician 's office resorted to XXXX due to Covid-19 pandemic in XXXX through XXXX. We are a XXXX XXXX XXXX couple of very limited means and subsequently now have a bankruptcy on our record resulting from a nefarious and predatory Americor Funding. 
XXXX previously reported on XX/XX/XXXX. However, these are very bad people and prey on innocent people ( particularly vulnerable seniors ) and must be stopped immediately! 
Please review : ABOVE ALSO REPORTED TO XXXX XXXX ( XXXX XXXX XXXX XXXX ) and XXXX XXXX ; XXXX FTC Complaint ( Online ) Confirmation ( XX/XX/XXXX ) Report submitted! Thank you for helping our work to protect consumers. 
Report 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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been disputing the following accounts with XXXX, XXXX and Transunion for almost 6 months now. 

Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX XXXX ( I asked them to verify that I was ever late on this account ) They failed to provide with this information as well as how did they come to the conclusion of ( account has been verified ) Source : XXXX  Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX I have contact XXXX myself and ask them to validate this account to be mines via mail. The company responded that in fact the debt has been sold to a company by the name of XXXX XXXX. I have written letters that I sent out of this proof and the bureau is still reporting this unverified and incorrect information. 

How have you properly verfied this information and it has been sold to another company that isn't even being reported or has any information on me? 

Source : XXXX  Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX I asked them to verify the account that I was ever late. It came back verified. I ask for a reinvestigation and what supportive documents did they see to come to this conclusion. They responded by ( the account has been updated ) Source : XXXX  Date Submitted : XX/XX/2022 Estimated Resolution Date : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX SIMPLE I ask for a reinvestigation and to see supportive documents that proves this is my account and that I was ever late. ( They did not ) They responded with account updated Source : XXXX  Date Submitted : XX/XX/2022 Estimated Resolution Date : XX/XX/2022 Report Number : XXXX Court Name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX Type of Record : Bankruptcy Reference Number : XXXX XXXX has deleted this invalid information from their system because it can not be properly verified. The bureaus ' verify Bankruptcy information through XXXX and this should have been deleted once XXXX proved that this item was unverifiable.

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 2022-08-18
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I CALL XXXX XXXX  BECAUSE A COLLECTION ACCOUNT SHOW ON MY REPORT SOMETHING IS NOT MY THIS COMPANY DON'T EXIST THE PHONE NUMBER DISCONNECTED, AND XXXX DON'T DELET THIS ACCOUNT. ACCOUNT # XXXX XXXX XXXX XXXX  ( MERCANTILE ADJMNT BUR XXXX XXXX XXXX XXXX # XXXX XXXX NY XXXX THIS COMPLY GO TO XXXX I ESPECK TO THE TO FIX THIS AND DONT CORRECT THIS FAKE ACCOUNT I DEMAND XXXX TO DELET THIS ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: ERC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is not mine. I am not responsible for this account. I never signed a contract with this account. This is a forgery! This account did not even provide any documentation proving that it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I 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 reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts 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 explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: CA
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:
This is my third endeavor to tell you that I am a victim of identity theft and I complain about questioning specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-04-05
Company: Experian Information Solutions Inc.
State: CA
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:
After reviewing my credit report, I noticed a series of inaccuracies on an account. ( XXXX XXXX ) I have disputed this account as inaccurate with Experian, XXXX, and XXXX on numerous occasions demanding they do a proper investigation into the facts of the account information and it always comes back verified. How are they verifying this when the open date is different on all three reports, as well as the payment/collection/charge off dates? 
I have demanded that this account be removed due to the inaccuracies and unfairness of the report. This item is interfering with my ability to obtain housing due to it being reported as a rental. I have no knowledge of ever having a rental with this company. According to the FCRA, reports need to be 100 % accurate across all three bureaus. this is a direct violation of the law. 

Furthermore, my rights have been violated under 15 U.S.C. 1681 sec.602 ( a ) states that I have the right to privacy., and 15 U.S.C. 1681 section 604 that also states that a consumer reporting agency may not furnish an account without my written permission.

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 2023-08-08
Company: EQUIFAX, INC.
State: MO
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:
I am making this complaint because I am a victim of identity theft according to the FCRA and have not given written permission for these accounts to be furnished on my consumer report, furthermore, I have reached out to these companies to verify that the debt is mine and they can not. I am aware that you must block the reporting of any information that is inaccurate. Please remove these accounts immediately within the 4 day period by law or further actions will be taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-28
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I always pay my loan on time threw auotmactic billing. XXXX sold my account XXXX and they never notified me. I look on my credit report and it says im late 3 months behind. Now call XXXX and they said they cant help me take it up with XXXX loan. I still have to pay. Thats very unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX, am verifying that I, XXXX XXXX am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Experian Information Solutions Inc.
State: AL
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 reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts 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 explanation
Consumer complaint received 2023-04-20
Company: Blackhawk Network Holdings Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
Gift Card issued by BlackHawk Network. I had a couple of small fraudulent charges. I called to place my card on hold when I would be out about {$7.00}. It took them 2 days to put the card on hold and then a larger charge appeared because they did not immediately put my card on hold. Blackhawk Network will not reimburse me. I accept the two small but fraudulent charges of XXXX and XXXX as that was my husband being misled. The {$68.00} charge was completely their fault. After 90 days they say that there was no fraud. All 3 charges were fraud but the third fraud was only because their customer service did not place my card on hold on XX/XX/30 when I called after I saw the two small charges. The {$68.00} took place on XXXX. I called back on XXXX as I wanted to know why the {$68.00} was not being reimbursed since BHN failed to place my card on hold. I was on the call with the agent for more than half hour. They said the merchants told them I authorized the charges. The {$68.00} is UNTRUE. I did not authorize criminals to make charges on XXXX at all. By not placing my card on hold and inactivating it, BHN actually allowed the card to be used. I simply want the {$68.00} returned by way of another card. XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation