BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
Company: MRS BPO, LLC
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:
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. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : MRS BRO L.L.C. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report 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. 1681 s-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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-14
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX, I sent a letter to this company regarding the accuracy and fairness of credit reporting and I feel as though I am being taken advantage of and completely ignored of my rights as a consumer. I contacted this company asking for validation of the alleged debt and still have not received a response. I also told them that during the time of this investigation, if they report any inaccurate or invalidated information that could be considered detrimental to any of my credit reports, they were again violating my consumer rights. This company continued to report inaccurate and invalidated information to the credit reporting agencies. According to 15 USC 1692e, debt collectors may not use any false, deceptive, or misleading representation with the collection of any debt. When this company added inaccurate and invalidated information to my credit report, they were in clear violation of my rights. They are ruining my reputation as a consumer, and according to 15 USC 1681, the sole purpose of the credit reporting agencies is to evaluate the character, and general reputation of consumers. I demand this account be removed from my consumer report, or I will be forced to file litigation due to the extreme stress an XXXX  this experience has caused me. Again, I sent letters to this company and no action, other than again violating my rights, has taken place.

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 2023-10-02
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Good morning : Coinbase disabled my digital wallet without any evidence and they don't even let me withdraw the money I have stored. 

I have already tried to contact the company but they do not answer me. Is there any way that you can help me? 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: CHARLES SCHWAB CORPORATION, THE
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I transferred {$100.00}, {$100.00} and {$460.00} from our joint checking to our joint brokerage on XX/XX/2021 and it is showing deducted from our joint checking account, but is not showing in our joint brokerage account. It has been over 48 hours and they keep promising me that it will get fixed, but it hasn't been fixed yet. I wanted to invest that money on XXXX by buying shares of the ETFs I own, but I was prevented from doing that. XXXX is preventing me from investing that money. They even refuse to put the money back into my checking account. 

Attached are screenshots of the deductions from the checking and the lack of deposit into the brokerage.

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 2023-09-30
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting 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 consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX To : ( XXXX, experian, XXXX ) Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX : ( XXXX XXXX XXXX XXXX. XXXX XXXX, Ga XXXX ) Dear Consumer finance protection Bureau & XXXX XXXX and XXXX and Experian Pursuant to the FCRA & the FDCPAI now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 609 Disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified.

Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Fair Debt Collection Practices Act Section 809. Validation of debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection

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 2023-11-07
Company: EQUIFAX, INC.
State: OH
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 placed a hard inquiry for what appears to be a XXXX account. I did not sign up for anything at XXXX, nor did I apply for a card. This inquiry happened on XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: AZ
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 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 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 2021-02-14
Company: United PanAm Financial Corp.
State: MA
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Fidelity National Financial, Inc
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Complaint and QWR against ServiceLink On XX/XX/XXXX someone filed a respond to my XX/XX/XXXX complaint which implied that this respond was filed by ServiceLink , LLC employee. 
Please state the name of employee who prepared this response, his/her position with the Company and contact information such as mailing address, phone number and email, so I can contact this employee directly. 
The respond further implied that it was filed by ServiceLink LLCs agent, a corporation registered by Fidelity National Financial ( FNF ) lawyer XXXX XXXX on XX/XX/XXXX and operated by FNF employees XXXX XXXX and XXXX XXXX. 
The respond is incomplete, evasive and contradicts with ServiceLink prior respond filed on XX/XX/XXXX also by an undisclosed person. 
First, I asked ServiceLink to state if they knew that their name was being used to assert functions that Servicelink does not perform? Based on XXXX XXXX XXXX respond I conclude that Servicelink knew that their name being used to assert certain function that Servicelink does not perform Second, on XX/XX/XXXX ServiceLink said that it was retained by XXXX to provide a title report to XXXX. I asked if ServiceLink DID provide Title Report to XXXX for which ServiceLink was hired. My question was not responded. 
On XX/XX/XXXX ServiceLink stated that it was retained to perform title related activities. Please state ALL activities performed by Service Link in relationship to my property. 
Third, I asked why my documents need to be returned to ServiceLink AFTER they are recorded in XXXX XXXX instead of returning it to XXXX whose office is nearby ; and that ServiceLink is going to do with recorded documents. My question was not answered. 
XXXX, XXXX agent said that I need to talk to my lender about my modification. I dont know who is my XXXX. Please disclose the name of my creditor under whose authority XXXX hired XXXX to perform title related activities. Please state if XXXX XXXX retention was approved by BONY as XXXX for XXXX XXXX XXXX. Please disclose the name and contact information of XXXX authorized employee who hired ServiceLink , LLC As you know, corporations do not perform any services by itself, without involvement of individual employees. Please state name of XXXX employee who hired XXXX to perform title related activities. 

Preparing XXXX Report for my alleged Servicer is a subservicing activity for which XXXX must be authorized by my creditor and apparently PAID from my mortgage payments to perform this service for someone. Thus, this is subject to RESPA disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX have 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 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 2022-02-03
Company: EQUIFAX, 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 status incorrect

Complaint:
Dear XXXX, My loan with XXXX is incorrectly showing status and all my payment information is not there. As per new credit report, it is showing the last payment was XX/XX/XXXX ( XX/XX/XXXX ), when I am paying every month and it not showing that. Also, it is not reporting any of my trial payment that I made before. It is also incorrectly showing XXXX days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & prior months. I have sent letter to this company with " goodwill deletion request '' and so far, has not been granted. Prior XX/XX/XXXX, I was not responsible for these payments due to XXXX settlement, and I even presented that stipulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: National Collection Systems, Inc.
State: MO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX with classes starting in XX/XX/XXXX, I enrolled in XXXX  college. I soon after decided to go another route for my career, so I dropped all of my classes. I knew at this point that there would still be some expense, which is understandable and I was prepared to pay for it, no problem. 

I expected an email, letter, or call, or something regarding my outstanding balance, but I didn't receive anything. I already paid a small sum of money to them after I registered, and since I dropped my classes so early I figured I didn't owe them anything since I never heard from them. A student loan pops up on my credit file in XX/XX/XXXX. Balance owed is {$370.00}, and I set up payments. No issue with this. This account ( XXXX/DEPT OF ED ) is not the problem, just to be clear. 

Fast forward to XX/XX/XXXX. I get a notice from a credit monitoring service about a new collections account, and of course dive in right away to investigate since this is completely unexpected. There is a balance of {$1800.00}. I have to XXXX to find what the company name even is since I don't recognize it - NTL CREDIT MGMT. 

Eventually I find out that it is for school tuition, for the classes that I dropped. Immediately I call the school to figure out what happened, and here it is summarized : Whatever department at the school is responsible for crediting the refund for tuition for dropped classes failed to refund ( or possibly failed to allocate a refund as credit for tuition ), which left it as an unpaid balance on my account and eventually went to collections. 

Once I informed the school of their error, the billing department/registrar moved the refund to credit the balance owed which is now in collections ( or maybe simply notified the collections agency ). After the {$980.00} credit to the collections agency, there were still some smaller account fees which is no big deal, but there was also a collections charge of something like {$400.00}, I don't remember and can't locate the exact amount, which is a total of {$820.00} still owed, and about half was the collections charge. They update the outstanding balance, but not even the original balance, let alone the collections account itself which I think should be removed. 

I tried to reason with the school, and the collections agency for about two months before I finally fall back to paying it. I even went as far as requesting an exception from the board of directors and dean at the school, but they didn't do anything to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2019 Balance : $ XXXX Late Dates 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 2019-09-19
Company: EQUIFAX, INC.
State: SC
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:
MY NAME IS XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX SC XXXX My DOB XX/XX/XXXX my SS XXXX. I have addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. 
I have attach my proof of ID and address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: Stenger & Stenger, P.C
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX I received a letter from Stenger and Stenger PC ordering me to appear in court regarding a judgement obtained against me on XX/XX/XXXX. I was never informed of any court date or judgement and had never heard of Stenger and Stenger. 

I checked XXXX and saw three cases filed against me by the attorney. 

The first case was filed on XX/XX/XXXX in a county I had not lived in since XXXX. Apparently I was served here and the process served signed and swore : On Thursday, XX/XX/XXXX at XXXX, | attempted service on XXXX XXXX XXXX the service address. | spoke with XXXX who stated her daughter purchased the residence from XXXX XXXX two years ago. XXXX stated they continue to get mail for XXXX XXXX. 

Stenger and Stenger had this case dismissed by the court only to refile on XX/XX/XXXX using the same address and this time making the process server swear that the documents were delivered to me while knowingly using the wrong address. On XX/XX/XXXX a default judgement was apparently entered against me. Stenger and Stenger then filed a third case against me but in the county that I currently live and to the correct address. I never received these documents and again another default judgement was entered on XX/XX/XXXX. 

XX/XX/XXXX I began working with a debt consolidation company to pay off my debt and improve my credit. During this process those attorneys would have reached out to each of my creditors to negotiate a settlement amount. I believe this is what led to the sudden urge for Stenger and Stenger to file for a garnishment two years after obtaining two judgements without ever contacting me. This can not be a legal way to pursue or collect a debt.

Company response to consumer: Closed with explanation