BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: GA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hard inqueries not recognized/authorized XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXXXXXX XXXX opened XX/XX/2018 Balance {$4200.00}

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 2019-07-11
Company: Midwest Recovery Systems
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called the collection agency and was told I have a debt for lumbar back problem for going to the hospital they gave me the date of me being on XXXX XXXX covered under XXXX XXXX XXXX XXXX which pays 100 % and I never went to a hospital in XXXX about a back. Problem during these dates

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: EQUIFAX, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I have a bout 2 late payments with XXXX XXXX on my credit report. The reason why I have the bad history is because I was not aware of the last 2 months payments after my car accident in XXXX of 2019. During that time I was shopping for a new car and dealing with the other person involved in the accident. I am already demonstrating better behavior with my new car financing company XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: RFNA, LP
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My account is currently in collections and it is occurring interest monthly. I was told that no interest would occur on the account. My credit score is dropping monthly due to interest being occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been repeatedly contacted by USCB America for medical debt. In 2021, I suffered from a XXXX XXXX XXXX and was misinformed about my insurance coverage as it was an emergency situation. Eventually USBC America kept calling me repeatedly since 2021 and onward. I am trying my best but I am a college student with little income

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2022 Chime financial inc STOLE about XXXX dollars from me. They closed my account and will not give me the money that was left in there. They told me to prove a transaction that was authorized from an external bank and have it sent from the external bank and when i did they tried changing the rules telling me i have to send an authorized letter. I dont understand how a company can close account with your money in it and not give you a check with YOUR money on it. I did not owe any money to chime so they have no reason to keep MY money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 non-monetary relief
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 and XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-07-11
Company: Exeter Finance Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I have a bout 2 late payments with EXETER FINANCE on my credit report. The reason why I have the bad history is because I was not aware of the last 2 months payments after my car accident in XXXX of XXXX. During that time I was shopping for a new car and dealing with the other person involved in the accident. I am already demonstrating better behavior with my new car financing company XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third Bank recently acquired the servicing rights to my mortgage. While trying to setup automatic payments I ran in to problems. Fifth Third Bank does not allow the setup of automatic payments from outside banks. This scheme is to try to increase the amount of late fees paid to Fifth Third. I did not originate my loan with Fifth Third. I will never willingly open a Fifth Third account. Fifth Third Bank could easily allow automatic payments like almost every other respectable loan servicer does, but Fifth Third chooses to try to collect ill gotten late fees and/or harass the client to open additional Fifth Third accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX, TransUnion, XXXX violated my rights since XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX violated my rights since XX/XX/XXXX - XX/XX/XXXX. Also. XXXX XXXX XXXX has repeatedly violated my rights since XX/XX/XXXX - XXXX Violated these laws : 15 USC 1692. ( B ) ( 2 ). 15 USC 1692. ( C ) ( A ), 5 USC 1692. ( B ) ( 5 ).

In accordance with the Fair Credit Reporting act. This account 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C

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 2021-06-15
Company: SN SERVICING CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SNSC was the loan servicer for one of my loans. My property taxes and insurance were escrowed and payment was not made on one of the APN ( property had two lots ). The lot was taken and I've had to pay penalties to get it back. I reached out to XXXX XXXX from SNSC by email on multiple occasions ( XX/XX/21, XX/XX/21 ) to get this issue resolved. I had spoken to her by phone prior to that as well. She told me if I sent in the property tax bill they would refund me but even after I did there was no response. It was their fault my lot was sold and I had to pay fees to get it back so they should take responsibility for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: EQUIFAX, 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:
There are accounts that are reporting fraudulently to my credit file and the credit bureaus continue to give me the run around and won't remove these fraud accounts. I have been going back and forth for months with EquifaxXXXX XXXXXXXX, and XXXX about the following accounts. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Which all are accounts that I have never had any associations with. I have reached out to each bureau about these fraud errors and they asked me to send in docs to verify myself and I did. I also filed a police report because I am a fraud/ Identity theft victim. I have sent the police report in along with ftc affidavits and proof of residence an identity to proof that None of those fraud accounts match me. I have called an been on the phone with each bureau for hours just to be told that they will be removed and then I get a notice that they are still reporting. XXXX and XXXX wont accept my fraud dispute and keep saying they feel I have filed fraud dispute by mistake and that they will let the creditors make the decision and the creditors have been no help to me. they won't give me proof of how they are verifying me. Something needs to be done immediately to remove these fraud accounts from my file. I have submitted everything to prove that I am an identity theft victim and the law should protect me and my rights. 

Police Report Number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: EQUIFAX, INC.
State: NC
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:
This company XXXX XXXX XXXX and reporting a debt to my credit report. Below is the information pertaining to this account : Collection opened XX/XX/2021 Account number XXXX Balance {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Z I have banked at Wells Fargo Bank since XXXX  to never have a problem until I try to get a mortgage for my home I just bought in Maryland I had a credit card that was compromised and the bank canceled the card sent a new card with the debt of the old card. XX/XX/XXXXXXXX  Trying to attain a mortgage I was denied the mortgage because of one thing on my credit rating after going through some other changes with the bank I had to consolidate my bills While starting consolidating the same credit card that was supposed to been canceled and transferred to the new card showed to be still active. When trying to talk to Wells Fargo about it the bank became hostile and I didn't know what else to do. My credit was fine until I tried to get a mortgage other problems occurred in the banking service as well. 
I was turned down because of poor credit rating the one item on my credit report was a fraud claim my only loans are through the Wells Fargo I'm My only thought is to believe it's an act of discrimination any other problems I had was due to rules changing which cause major problems without notification of rule changing of disputing any kind of problem on your credit cards from two years to now a hundred and twenty days.

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 2021-04-10
Company: Experian Information Solutions 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:
In XXXX of XXXX, I was checking my credit when I realized that my car payment had not been reporting since XX/XX/XXXX. At that time I didn't realize that part of the Cares Act prohibited creditors from reporting any payments. So I called my finance company and told them it was okay to go ahead and report my payments since they were all on time. At that time, every payment since XX/XX/XXXX ( when I purchased the car ) was reported as " On Time '' and Paying as Agreed. The next month XXXX XX/XX/XXXX ) I checked my credit report again to find that my XX/XX/XXXX and XX/XX/XXXX were suddenly reported to all three bureaus as " 30 days late '' and my credit scores dropped 30 points. I was VERY surprised because these payments had been reported ON TIME for 6 and 9 months and then suddenly reported " 30 days late '' I immediately called my finance company who stated they could not fix the error. I asked for my account manager but was told I did not have one. I then consulted with a credit specialist who told me I should write a letter to each of the bureaus explaining the error and also send copies of each credit report showing where it had been reported on time for many months, and then also my bank statements showing the on time payments coming from my bank account. I promptly did so XX/XX/XXXX. I sent each bureau a letter explaining the mistake, a copy of my credit report before the error, a copy of my credit report after the mistake, and a copy of my bank statement for each month showing the payment drafted from my account before or on my respected due date. XXXX XXXX and XXXX promptly removed the late payment and restored me to 100 % payment history, but Experian did not. So in XXXX of XXXX, I sent them the same information again disputing the late payments. They responded saying the payments had been verified as late and they would remain. How can payments that were clearly never late be verified? So in XXXX of XXXX I sent Again the same information and a letter demanding this error be fixed on my Experian report. Unfortunately as of today, Experian still refuses to remove the late payments even with proof they are reporting incorrect information.

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 2018-04-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Was called from XXXX XXXX XXXX  about my loan being sold. Told that in XXXX i had 30 days to contact them back and everything would be in writing. Never gave me information about my new loan ... how to pay. I never received a account number the one i had was false and the number on the letter was the wrong number. Where to pay etc. then I got a morning wake up to a repo man saying I was Behind in payment. Also they didnt have my correct address or telephone number. So although they said they were calling me they were not. And they left no voicemails. Called to rectify things, not a lot of information was given. No time table, no payment stub etc. no account number. I still Dont know where or how to pay the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2019-07-11
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not owe a debt to this servicer and I do not know who this company is representing XXXX/XXXX  XXXX. Any money owed to XXXX XXXX has been paid to XXXX XXXX XXXX- # XXXX with payments paid since XX/XX/2019 as agreed and will be satisfied with last paid due on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have Purchased Crypto From Coinbase On XXXX XX/XX/2021, worth of {$39000.00} via wire transfer thorugh XXXX XXXX. But somehow my Account got compromised so i had to disable my account. After that i tried to enable my account for like more than 15 times, I even got my ID verified a lot of times but there was no progress in getting my account enabled. I also created tickets to the help centre of coinbase but nothing changed. After so many attempts of getting my account enabled, I suddenly get an email from coinbase saying that i am not allowed to do anymore transactions on it and they have stopped all the services for me, and now i have just been left with one option that is to withdraw all funds. But as i see there on my coinbase account, I don't have any linked bank account on the platform and when i try to add an account, it says it won't allow me to add an account. So, it means that my money is stuck with them and i can not get my money out of coinbase. 
I even recieved an email from coinbase support saying that they can not help me any further. 
Kindly help me recover my funds from coinbase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: PA
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:
I have been trying to dispute incorrect and/or invalid 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 response to consumer: Closed with explanation