BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed on Transunion credit concerns. 

1. a ) Transunion XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Telephone # XXXX did inquiries on my credit XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX these inquiries I am not familiar with or authorized any inquiries to my credit. 
b ) Also from Transunion XXXX XXXX did promotional inquiries on XX/XX/XXXX. 
Telephone # XXXX XXXX. XXXX inquiries without my knowledge XXXX  on XX/XX/XXXX telephone # XXXX. 
XXXX on XX/XX/XXXX telephone # XXXX XXXX. XXXX XXXX via XXXX Transunion interact on XX/XX/XXXX telephone # XXXX I did not authorize this inquiry how did they access my credit file when I have a freeze on it. 
How did these companies got into my credit with a freeze. 

Great concern : How did XXXX Bank Delaware was able to do a hard hit inquiry on my credit with a freeze. I contacted them at XXXX XXXX XXXX and they dont have any records of me. Then why was there a hard hit on my credit bureau account with Transunion. 
I told XXXX agent yesterday my concerns and she said she was transfer me to their security and I waited a minute then she hanged up

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 2023-08-15
Company: Experian Information Solutions Inc.
State: VA
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:
I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-12-29
Company: Experian Information Solutions Inc.
State: PA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 2023-10-17
Company: Experian Information Solutions 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:
Sending this complaint once more, I am presenting this to make sure that the items in this complaint were DELETED from my credit reports. I have sent a complaint dated XX/XX/XXXX, and I stated that I need these items removed from my credit reports. Today was no different, I am doing a follow up as to make sure that these harmful items will be removed from my credit reports. Requesting the Experian and XXXX Bureaus to please see these remaining items that needed to be removed : EXPERIAN : 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 2022-12-23
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have been harassed by Jefferson Capital for over a year now. Dozens of times I have disputed with the credit bureaus to no avail. Jefferson Capital does not do any sort of research except send the same story back stating that this " debt is valid '' They are saying that I owe a debt and this debt was sold to them by a company. I have no idea what company or what this debt is, and I do not owe it. I have never seen anything other than dozens of letters from Jefferson Capital demanding payment and then threatening civil action. This has crushed my credit score as well. Recently, I have received over 15 letters from local attorneys in the area asking to represent me since I am apparently being " sued '' in civil court in the county I live in, once again for a debt I have no knowledge of and one I do not owe. Since I was getting nowhere with the credit bureaus, I submitted a complaint to the XXXX XXXX XXXX XXXX XXXX sent my complaint to Jefferson Capital, where once again they did not do any sort of research into anything or supply me with any sort of valid paperwork. Instead, they sent a letter stating " our records reflect that the account is currently the subject of a lawsuit Filed on XX/XX/2022, pending in XXXX XXXX XXXX XXXX as case number XXXX. As a result, this matter is beyond the purview of the XXXX  and we request this complaint be dismissed '' For the 20th time, they didn't do anything but ask for a complaint to be dismissed so it wouldn't go on the XXXX  webpage, permitting Jefferson Capital from just continuing to threaten and have actually started legal action against me. 

Today, I received a letter in the mail asking to contact XXXX XXXX XXXX XXXX section to pick up papers I am being served. 

This has to be one of the most predatory Collections practices I have ever seen. 

I now have been sued in local court for a debt I do not owe and have been bombarded by lawyers asking to represent me for this upcoming case. 

I am also being threatened with garnishment of wages. I am a 100 % percent XXXX veteran. I have my XXXX benefits and my XXXX benefits as sources of income and that is it. 
The amount of stress this has added to my life is astounding. Upon research, this appears to be the norm for Jefferson Capital as they are the recipients of dozens of lawsuits for their " collection practices. The complaints have many things in common and this " company '' is disgraceful. Harassment is just what they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: First Direct Lending, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
almost 4-5 month ago i try to refinance my existence mortgage, When i was search refinance company, one of that company call me, For make in deal with me first they are ask me deposit {$220.00} .I told them i don't want to loos my deposit if some thing happen They told me not worry we give it back to you, And also send to me email, ,By the law said we give you your money back,, XX/XX/XXXX Without they are refuse my request without notice in letter or etc. 
How i find it! i call them many time for find it what is go in on suddenly they told me refused my application, I ask why they told me my XXXX, bldg not flood insurance ( even in the began i was told them that ),, Of course i ask my deposit back, Non body answer phone i send many email, not answer. 
Only he answer my email says non worry in the processing in other room, ,It was mid of XX/XX/XXXX i try many time again non body take care my calling or email, I send couple time email also to company president non return to me,, i send letter now they are answer with letter they are refuse to give my deposit..What i have to do,,, thanks Company name ; First Direct Lending LLC XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the ITEMS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

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 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 non-monetary relief
Consumer complaint received 2022-03-23
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX ending XXXX with balance of over XXXX idispute this amount owed XXXX XXXX refuses to give access to online account XXXX 2021, I am informed card is still open, I requested a new card and sent a payment and requested statements. I have repeatedly requested and called and sent letters and nothing of what I requested has been done. Also to remove late fees I was hospitalized, and to remove late payments reported to credit. To substantial the charges, I am requesting a verification letter. Please also the amounts that I have paid are not accurately reported, there is no settlement offer, XXXX XXXX closed my card. Please assist

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 2018-01-29
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have never had an account with these companies. These are fraudulent accounts. I have never received any information on these two accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX open XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX open XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX does not have the right to report to the credit agencies false information. I do not owe {$73.00} to XXXX this fee was waived in XX/XX/XXXX as part of XXXX 's XXXX XXXX XXXX ordered by the Federal Communications Commission to Keep Americans Connected. This account was not opened on XX/XX/XXXX. XXXX advised that they has since ceased collection in their office. Which is a fraudulent statement because it is still showing on my credit report for Equifax. This is a violation of my rights. XXXX has my information without the proper rights to have it. Please investigate XXXX for it's fraudulent activity in regard to fees waived by XXXX as they have unethical practices and have access to consumers social security numbers and personal information without the rights to have it. This should be made public and investigated. Equifax needs to remove this account right away. XXXX XXXX advised that they would cease collections but I am having to continuously dispute something I do not owe and they continue to report to the credit agencies in an attempt to collect which is contradicting what they said they would do. Furthermore all the information including dates are accurate. If this continues to be on my credit report I would like Equifax, XXXX XXXX XXXX and XXXX investigated for unethical practices with the Attorney General 's Office, Governor 's office, CFPB, FCC, FTC, Department of Justice, XXXX, news, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have given the credit beaurea almost a year out of the 30 days for them to do a proper investigation of my credit report. They have failed to do so. I took the liberty to again go behind them and verify that the information is not accurate and/ or improperly placed on my credit report. I have been back and forth with the student loan furnisher to get them to tell the credit reporting agency to removed the student loan accounts that should not be on my accounts at all because I am not in default! They stated they requested the accounts be removed. I contacted the credit agency by phone and letter and they are advising me that they can not do it unless I attach the letter showing Im not in default. Well the letter is attached along with other information showing that my credit report investigations were not done properly and not accurately reported. Also NONE OF THEM has yet to show me written consent to furnish my accounts. I have enclosed credit reports with highlighted discrepancies as well as student loan documents and this is my final attempt. The credit agencies does not respond to letters and they keep sending the same lies and feedback. This is not okay. My consumers rights have been violate across the board and for years. I have no received a violation payment or deletion of the accounts. Just closed. I don't need the accounts closed I need them removed because they should not be there. I appreciate you all mediating this for me ; however the credit beaurea are not caring about my rights or your time it takes to help consumers.

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 2023-07-21
Company: Dovenmuehle Mortgage, Inc.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for and received assistance from the Homeowners Assistance Fund of Rhode Island ( XXXX ) to help me with missed payments due to XXXX related reasons. They awarded me with a reinstatement grant of {$7500.00} which was sent to Dovenmuehle on XX/XX/2023. This payment would bring my account current but Dovenmuehle continues to hold my account in default. They continue to charge late fees and cause negative remarks on my credit report. When I contact the company no one can tell me what happened to the payment or why it has not been applied. 
I am concerned they are trying to force this mortgage into foreclosure despite having received payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the ITEMS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 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 with 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 2019-08-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i previously sent a DEBT VALIDATION request to Portfolio Recovery Associates in accordance with the Fair Credit Reporting Act and all the I received back was a statement of an alleged charges without my signature on it. This alleged statement did not meet the FEDERAL TRADE COMMISSION and THE FAIR CREDIT REPORTING ACT guidelines to constitute proper debt validation. I have repeatedly called this company in an attempt to rectify this situation and i got was a complete runarounds with absolute no interest in resolving this issue. I will file a lawsuit against this company in 30 days for deliberately damaging my credit report and defamation of character if this derogatory information is not deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Solar Mosaic LLC
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: Their investigation did not fix an error on your report

Complaint:
Already paid off the complete balance to Solar Mosaic but still show up in my credit report as a Charge off and for that reason I cant refinance my house

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Convergent Resources, Inc.
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:
Received a credit monitoring alert indicating on my XXXX credit report that a collection item from CONVERGENT OUTSOURCING was placed in my credit report. I do not have any record of doing business with CONVERGENT OUTSOURCING, I dispute the validity of the debt which does not have an account number, original creditor or any verifiable account information. This unverifiable collection item needs to be immediately removed from my XXXX credit report.

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 2022-03-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
How does Experian make their money? Do they Charge companies like XXXX XXXX XXXX XXXX ( XXXX ) to access my credit report? If so, shouldn't Experian be responsible for protecting my credit report if XXXX unlawfully accessed my report? In XX/XX/2017, XXXX and one of their affiliates did not have permissible permission to access my personal credit report. This led to a fraudulent loan. XXXX simply labels all complaints over the last four years as duplicates without reading complaints. This is evident by the speed complaints are denied and labeled duplicates. Therefore since Experian is profiting by releasing my private information, should Experian be held liable. However Experian just replies with standard " feel good '' replies without accomplishing anything.. Experian has learned to play and mock the US through the CFPB. The XXXX  troops are complacent in XXXX  just like the employees of large businesses because they refuse to stand up. They are scared and do wrong for the sake of money.

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 2019-10-07
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
This issue is against COINBASE. I have had an account with them since XX/XX/2015. Recently, about 3 months ago they decided to lock my account with over 8 btcs ( XXXX USD value ) and give me no reasons. I have re-submitted all my documents, proof of address, ID etc. and they have gone silent and have not answered my in over 1 month. I do not know what to do at this point. They have most of my funds and I desperately need them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I haven't received a mortgage statement in 7 months. TD Bank does not post statements online, so the only way to receive them is by mail. I've reached out to them on multiple occasions and all everyone has tried to do is to confirm my address, which has not changed. I receive other mail from TD Bank including receipt of payments, but no mortgage statements. I have no way of knowing what my remaining balance is. I continue to pay online without ever receiving a bill.

Company response to consumer: Closed with explanation