BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX ( the Company ) which involved me making deposits for a total amount of XXXX ETH from my Gemini account to fraudulent investment firm ( s ).

When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Gemini did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Geminis custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Gemini promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Gemini was in compliance with its own policies and procedures ; ( v ) whether Gemini owed duties to myself, what the scope of those duties was, and whether Gemini did not uphold those duties ; ( vi ) whether Geminis conduct was unfair ; and ( vii ) whether Gemini has within its power the ability to, and should, compensate me for the harm that has befallen me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: IN
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:
On XXXX XXXX, I went to XXXX XXXX XXXX ( XXXX ) with XXXX XXXX to co-sign a personal loan because she was in debt and could not get a loan to pay her bills from any bank or credit union because of her current bankruptcy status at that time. We agreed that she would pay back the loan in full amount with monthly timely installment payments. During the process, I remember signing the documents then passed them to her to signed. She said she would make copies and give them to me later. She never did give me a copy. Months later, she was homeless, and I offered her my guest room temporarily. During her temporary stay, I started to receive delinquency notices of past due payments from the credit union and a disconnect notice from XXXX XXXX company. I decided to evict her out of my home because she was very financially irresponsible, disrespectful, and recklessness with my credit rating. XX/XX/XXXX, I went to XXXX XXXX, got a copy of the loan, spoke to the Branch Manager w/ no help, and notice that the signature and initials were not mine, XXXX XXXX signature and that of the XXXX representative, XXXX XXXX, were missing, a debt sheet with creditors of XXXX XXXX XXXX, and the personal loan was only in my name with my SSN, Phone #, and XXXX  XXXX 's email . At that point, I decided to contact all the necessary agencies to start the process to end my identity involvement is this alleged loan fraud and predatory lending practice by the representative and the XXXX. XX/XX/XXXX, I called the XXXX XXXX XXXX and XXXX XXXX and received a message to file a report via FTC website. On XX/XX/XXXX, I went to the XXXX branch and had to pay {$1400.00} to bring the account current to stop getting my credit report hit with 30 day late notices from XX/XX/XXXX after talking with a representative the day prior because I notice my credit score was in the XXXX hundreds down from the XXXX and XXXX and had to password protect my account in person at the physical XXXX branch. Corporate office was no help, they just give excuses about they would investigate. Currently in the process of obtaining an Attorney for filing with the Courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 2022-11-09
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
these two public record bankruptcy information is incorrect see attached XXXX LETTER

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 2022-03-16
Company: Experian Information Solutions Inc.
State: IN
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-16
Company: EQUIFAX, INC.
State: IN
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
hello XXXXXXXX XXXX has 2 accounts reporting late. They spoke very rudley to me in regards to my explaination of my lates. I was in the hospital and my caregiver paid it. I love XXXX XXXX and plan to contiue to work with them. I plan to pay off my loans with them and buy a new home but since the reported me late I cant. Its a new years and all I want is support from the bank I love. Please why are they doing this to me and my family. I lost so musch this year.

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 2022-11-09
Company: Blackhawk Network Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I am writing to report predatory advertising by a company XXXX My mother, who is a XXXX, received a prepaid XXXX XXXX  as a " reward '' for completing her XXXX  appointment. One of the methods to activate the card is to call the number XXXX ( see attached ). Upon calling the number, an automated attended inquired whether anyone in her house was over 55 years of age, and then notified her that she was being selected for a " special opportunity. '' She was not provided an opportunity to opt-out before being transferred to a live agent, and the automated attended aggressively and repeated demanded that she press 1 now. A live attendant aggressively launched into a high-pressured pitch to sign up for something regarding XXXX benefits XXXX Despite shouting to the attendant to stop talking ( she only wanted to activate the gift card ), my mother eventually had no choice but to disconnect the call. With my assistance, my mother was able to use the XXXX code to bypass the aggressive sales agents and activate the card. I ask that the CFPB investigate this predatory marketing scheme. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: Navient Solutions, LLC.
State: KY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Pioneer Credit Recovery has been calling me multiple times in regards to my student loan. I am currently set up on a rehabilitation plan with them, which is paid automatically directly from my bank account. All payments are up to date and not in arrears. 

This company has contacted me multiple times a day at my place of employment, but never leave a message. 

My mom has received 7 phone calls during the week ending XXXX. She is not involved in the payment process for this loan at all. 

Pioneer Credit Recovery also called my sister in law 's brother on XXXX XX/XX/XXXX. He is merely a XXXX friend, and I have no idea how they found his phone number. He obviously has no involvement and his being contacted is inappropriate and unacceptable. 

I have received complaints of the above nature from other family members and acquaintances.

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 2023-10-15
Company: Experian Information Solutions Inc.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 2022-11-09
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: Investigation took more than 30 days

Complaint:
i I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 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 non-monetary relief
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: IN
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:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In XXXX, XXXX I purchased a truck from XXXX XXXX in XXXX, West Virginia. They informed me at that time that they could not pull my report from Equifax. That it was blank and that I needed to contact them. I did contact them and they said nothing was wrong with it. I believed it was fixed until I went to apply for a loan with XXXX XXXX XXXX on XX/XX/XXXX. They informed me that they could not pull my credit at that time that it was blank. Since that day, I have called them almost every day trying to fix this problem. XXXX XXXX contacted Equifax Business department. Equifax told them that it was something wrong and that I needed to contact them. I did this. They said nothing was wrong. I was given other numbers to contact. I have called them all. They asked that I fax my drivers license, social security card and w2 to the dispute department. I did this. They tell me that they received it and that it was fixed. I call back to XXXXXXXX XXXX and it still isn't fixed. I called again today and they say wait 30 days from Equifax and they would investigate it. Now my wife has had 6 hard pulls on her credit because we keep trying because they tell us that it is fixed. I have nothing else to do but to contact you and then an attorney. I have been patient but this is 6 months and was told finished and nothing has been completed. I need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: ID Analytics, 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: Problem with personal statement of dispute

Complaint:
I applied for XXXX XXXX XXXX with XXXX XX/XX/XXXX. They stated I could not be approved due to the wrong phone number- invalid phone number -cell phone and landline was used on this account Days since most recent inquiry is to shot but it stated it had a number of inquiries on the account- they have managed to contradict their statement about my credit Number of Inquires in the last 12 month was 3. 
I do believe that this company did not check my credit due to the fact it stated my credit report was XXXX I my credit scores with XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX where did they get these scores- I have no late payment on my account in the last 5 years They made up information just to stop me from getting credit. 
I have a XX/XX/XXXXXXXX XXXX which has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: VA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 2022-03-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never done business with these people. With HPPA laws, if it was someone else that I may have owed, They can not share my information. This is not a debtg I owe.

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 2020-03-09
Company: Sunset Management, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company sunset finance has been harassing me by frequent phone calls collecting a debt that I owe. I explained to them that I lost my job and they still continue to harass me everyday.

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 2019-10-02
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a modification and received a trial period. I paid the payments on time for 3 months, XXXX, XXXX, and XXXX. I received a letter about a balloon payment. I called and the gentleman i spoke to told me not to worry I would be receiving a new contract with new terms. I received the contract and the modification is only for three months with a balloon payment due XX/XX/XXXX. I called and asked about the modification covering this and was told no it doesn't. I was not told any of this before. I found out when i got the new contract for modification on XX/XX/XXXX. The balloon payment is {$32000.00}. I do not have this amount of money. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: LA
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.

Im trying to dispute this account because Ive already contacted the company on multiple occasions the account was deleted last week and re-added this week, this makes no sense. I sent a letter to the company ON MULTIPLE OCCASIONS also I havent heard back from them they cant legally do this, I need to have this removed ASAP because of the law, THIS ACCOUNT HAS NOT BEEN VERIFIED AS ACCURATE AFTER TWO DISPUTES BEEN MADE. I WANT THIS COMPANY BLOCKED FROM ADDING INFORMATION TO MY CREDIT REPORT. 

XXXXXXXX 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 that 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 or 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 2022-03-16
Company: Linebarger Goggan Blair & Sampson LLP
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received 2 collection letters from Linebarger Goggan Blair & Sampson LLC for a for a traffic violation out of XXXX XXXX Florida dated XX/XX/XXXX for {$230.00}. 

I am not the person named in the account, though I have a similar first name and the same middle and last name. Additionally I have not been to Florida since XXXX and have never received a traffic violation there, let alone in XXXX of XXXX. 

I have attempted to call their number and been on their website multiple times over the last 2 months and there are no options to speak to someone or notify them that they have the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: TMX Finance LLC
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Title Loan ... in the amount of {$2400.00} ... 
Payments {$400.00} per month / for 12 months. Plus daily Interest. 

Dated XX/XX/XXXX .... consumer has paid a total @ {$2400.00} from XX/XX/XXXX through XX/XX/XXXX. Consumer is asking XXXX to rollover or refinance the balance out for a shorter period or refinance for lesser Payment amount. ( If any ) ... 

the loan could be considered paid in full ... .with a settlement of a Interest fee or additional fee to close out loan agreement. 

Otherwise, consumer will payout another {$400.00} for additional 6 -- months..and payoff a total of {$4800.00}. For a {$2400.00} loan. 

XXXX doesn't offer a grace period on due dates. 
XXXX  doesn't offer Consumers an adjustment or something once Consumer pays the full loan amount ; ... why are Consumers made to pay additional months of high payment and interest added. There's no relief once Consumer pays back the full amount. 

XXXX is luring Consumer to a 12 -- month agreement without options after Consumer has paid back actual loan amount.

Company response to consumer: Closed with explanation