BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: GA
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 am a victim of identity theft and have attached my FTC report to this complaint as verified. there are multiple student loan accounts that have been placed on my credit profile using my identity, I have never applied for any student loans nor have I ever been late on my payments to XXXX  XXXX XXXX nor XXXX XXXX credit card accounts, nor have I made an inquiry to XXXX XXXX nor XXXX, nor have I owed a debt to XXXX XXXX XXXX. 

I have never lived at XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: Berlin-Wheeler, Inc. (Kansas)
State: RI
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company tried collecting money from me but this account is no mine dont receive any proof this I need remove inmediately from my credit report becuase danger my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: TN
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 confidentially under 15 USC 1681. 

XXXX XXXX  Account # XXXX XXXX  XXXX Account # beginning with XXXX XXXX Account # ending in XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX  XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX  Account # ending in XXXX XXXX Card Account # beginning with XXXX XXXX XXXX XXXX XXXX Account XXXX beginning with XXXX XXXX  XXXX XXXX  Account # beginning with XXXX XXXX XXXX Account # beginning with XXXX XXXX5 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. I did not give them 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 2022-12-31
Company: LEXISNEXIS
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello, my name is XXXX XXXX. This complaint is in response to an account your company is furnishing to my credit report. Your company is furnishing a bankruptcy to my consumer report INACCURATELY. Section 611 of the FCRA states you must verify, modify, or delete inaccurate information from a consumers consumer report. The Account Is labeled US BANKRUPTCY COURT which is inaccurate. Furthermore, I have attached a letter from the bankruptcy court stating they do not share or verify information with anyone. I am aware that LEXISNEXIS can not verify this information with the US BANKRUPTCY court therefore this account should promptly be removed from your records. It is also your responsibility to notify XXXX, XXXX, and XXXX. Failure to comply will leave you civilly and criminally liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Early Warning Services, LLC
State: NC
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:
Early Warning, is calling completely new complaints about how they break the law frivolous. I have the proof in their own letters they break the law. 605B of the FCRA in subsection C, gives the CRA 3 reasons to decline or rescind a block requested under subsection A of this same law. Early Warning has NEVER received a complaint about this issue, through the CFPB. Yet, their letter dated today clearly shows they lied and called it frivolous. 
Early Warning has blocked the XXXX account more than 6 times, yet, against the law, they have rescinded the block when NONE of the 3 reasons the law gives them exists. Breaking the law is NEVER right, and attempting to get the law obeyed is NEVER frivolous until the law is obeyed.

Early Warning MUST provide proof beyond a reasonable doubt, that 1 of the 3 reasons allowed by 605B has occurred. None has happened, so when they rescinded the block over 6 times, Early Warning in fact is breaking the law over 6 times. Stop allowing Early Warning the ability to lie and break the law to harm me or anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: AMERISAVE MORTGAGE CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
AS A ORDAINED MINISTER I HAVE A HOUSING ALLOWANCE OF $ XXXXYR. AMERISAVE, MY LOAN COMPANY, SAYS THAT THIS AMOUNT IS NOT INCOME BECAUSE IT IS LEGAL 501C AND IS NON TAXABLE. 

I WANT TO KNOW WHY THIS LEGAL INCOME IS DENIED AS INCOME FOR MY REFINANCING.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acts Has Violated My Rights 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 explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: SC
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:
CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX ( XXXX  ) CC : Federal Trade Commission ( FTC ) CC : Experian, XXXX, XXXX Dear XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ), I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, 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 2023-02-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently noticed that Experian had added an ( AKA ) name, XXXX XXXX XXXX, I am not now nor have I ever been XXXX XXXX XXXX. I have never been known or called anything other than my name which is XXXX XXXX XXXX, short for XXXX XXXX XXXX. Rather than back up or prove their erroneous action they insist I prove my innocence. Exactly how does one prove they have never gone by a different middle name? This is absolutely ridiculous

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 2022-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I have an auto loan with BofA that I refinanced in XX/XX/2022. 
The check was sent to BofA from XXXX XXXX and was supposedly cashed by BofA on XXXX. The funds were never applied to my outstanding auto loan. 
I have been going back and forth with both companies spending countless hours and time trying to resolve this and have had XXXX luck. Im now being harassed by BofA to make payments on my loan with them even though Ive been making payments to XXXX on my new auto loan. So now Im carrying two auto loan balances and two auto loan payments for my one vehicle. 
Ive asked for research into this matter and have not received any follow up with a resolution to this matter. Ive also filed a CFPB complaint on 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 2023-08-23
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to work with the mortgage to resolve this matte for some time but they went into forclosure without due process. 
I would like to pay with a negotiable instrument which within my legal rights. The bank is denying my right to pay through a negotiable instrument/Tender of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX XXXX ACCOUNT XXXX XXXX is 30 days late on my credit report On XX/XX/2017. 

This is a false claim as this payment was not 30 day late.

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 2022-12-31
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The best way to make a point to the best of all the Wells Fargo account for the last 5 months of this year and I have to say that it took me a bit to find a problem with the bank account wasn't enough money to pay and then Wells Fargo had to go and pay for the bill and they had charged me for overdraft and they had been paid by me and I was charged for it by the time I got it XXXX I am on fixed in

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 2023-01-31
Company: EQUIFAX, INC.
State: CA
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is XXXX XXXX true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

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 2020-07-29
Company: Paypal Holdings, Inc
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2020 my PayPal Account, which is supported by my XXXX XXXX Credit Card was charged {$4500.00}. 
Payment was to XXXX XXXX. The transaction ID is : XXXX. I do not know XXXX XXXX. 
The dispute case ID is : XXXX. 

XX/XX/2020 I called PayPal to inquire about the charge on my PayPal Account to XXXX XXXX. 

XX/XX/2020, I received an automatic reply from PayPal which thanked me for contacting the company. 

XX/XX/2020, I received correspondence from PayPal which stated that my account was limited. 

XX/XX/2020 at XXXXXXXX XXXX, PayPal sent me correspondence denying my dispute because my billing dispute does not match my qualification for a billing dispute. 

XX/XX/2020 at XXXX XXXX, PayPal sent me correspondence stating that because I filed this dispute with [ your ] financial institution or credit card company, and not with PayPal. We cant provide additional details or updates on this claim because we dont have access to your financial institutions investigation details. 

PayPal has refused to investigate and thereby, refund my {$4500.00}. 

I request that PayPal refund my {$4500.00} because I did not authorize payment to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I have an account at Coinbase and on XX/XX/XXXX I changed my password and I received a notification from Coinbase to that effect but on the XXXX I received another email saying that my password was changed so I called but it was taking a long time to get to talk to someone but the automated voice asked if I tried to get in the account and I tried but was not able to using the new password and the automated system asked if I locked the account so I did. When I was able to get someone on the phone I was told that I would need a valid ID and since my driver 's license was expired in XXXX I renewed it on the XXXX of XXXX and they said that they would not accept the temporary copy so I waited until I got the actual license then I called them and we tried many options trying to get in the account and after they all failed the person suggested that I open a new account and they would transfer my balance from the old account to the new account. When they transferred the balance I noticed that my XXXX XXXX or XXXX Average price was changed from {$0.00} to {$0.00} and my Alchemy or ACH was changed from {$0.00} to {$0.00} and on my app there's no Average price listed they all say {$0.00}. I have tried way too many times to try since late XXXX on the telephone and online and I have not been able to get any help and I have sent them a screenshot of the XXXX XXXX with the exact amount showing that it was at {$0.00} on XX/XX/XXXX days before the problem 's started and they act like that's not enough or they're asking for more information. I also submitted two screenshots for the Alchemy or ACH because I bought some on the XXXX of XXXX to move from {$100.00} XXXX to {$120.00} XXXX and since it was a smaller amount the Average price didn't change that much and since I only have XXXX coins in my account I know what their prices are and I saw it after I bought the roughly {$24000.00} and the Average price was {$0.00}. I would appreciate any help in fixing the mistake. Thank you in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07
Company: Source Receivables Management LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I closed the account with XXXX last year and was given a pay off and then made the final payment in XXXX installments with the final payment paid last XXXX. This account should be clear of any charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
TRANSUNION is falsely reporting information on my account that I never gave consent to share, and further more I never gave consent to the companies that are reporting collections accounts to these bureaus. I've sent certified written communications to all parties involved and they continue to harass and violate my rights to privacy.

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 2022-04-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This was removed from my credit report in the past ( but under a different name ) - the original creditor was XXXX XXXX. More recently, this company Portfolio Recov Assoc added back the collections account to my credit report and continues every other day harassing me with phone calls. They NEVER sent anything to me prior to putting this on my credit report and do not even know the history of my account. I told them this and they sent me the last few statements from XXXX XXXX which show no account history. They are unaware this was solved in XXXX and 4 years they continue to harass. They are unaware this is from chargeback activity that was approved, that much later appeared again. XXXX rules even state max liability is {$50.00} if that was/is the case- do i really need to speculate with a speculative shady account that reappears under a new name when removed from the major credit reports. They have caused harm to my credit file that is quite substantial and have done so in an illegal way. Copy provided to State Attorney General and this is a similar case that CFPB has against XXXX XXXX ( one of their sister companies ).

Company response to consumer: Closed with explanation