BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
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:
This is my 19th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: MI
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:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] XXXX  : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. 

Thank you for your time and help in this matter. 

Sincerely, [ 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 2022-10-17
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2022, I submitted a complaint to all Equifax, XXXX, and XXXX and at the same time, the XXXX. The complaint is number is XXXX. 

The complaint was about how a creditor on credit file, XXXX XXXX XXXX, sent me a threatening and coercing letter to me ( included attached ) and Im a deceptive manner referenced laws that did not exist in an effort to stop disputing legitimate complaints on my Credit report. 

It has been 46 days now and XXXX XXXX XXXX has not responded appropriately, honestly, or diligently to the complaint filed on XX/XX/2022, complaint number XXXX. 

They have attempted to conceal the complaint time and time again and tag it incorrectly, falsifying a U.S. Government document and entering falsifying data into the CFPB portal which has deprived me of my right to due process time and time again, and has broken state and federal laws in this process and actions. 

It has been 46 days and CFPB has done nothing yet to administer this complaint properly- and the credit bureaus have done nothing. 

I am going to sue everyone if you. You better start doing your job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgagor - Mr. Cooper Mortgage # XXXX Mortgagee - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Conventional Home Mortgage Problems with Payment Handling and Payment Information I scheduled a partial payment via the Mr Cooper website XX/XX/2021 for {$750.00} from my account at XXXX XXXX XXXX. 
This payment was rejected by XXXX on XX/XX/XXXX for NSF. 
I saw this transaction information on the XXXX website the morning of XX/XX/XXXX. 
I made a cash deposit to have more than enough funds in the account for a second ACH attempt for this payment. 
I had no evidence of a second attempt for this payment. 

I contacted Mr Cooper customer service on XX/XX/XXXX, inquiring - - how many attempts are made to make a NSF transaction whole - when does this attempt occur - informed Mr Cooper that there was sufficient funds in FCCU to make transaction Mr Cooper rep on the phone told me - - we make two or three attempts - these are made within 48 hours.

I was told it was needed {$2200.00} in total to make one complete mortgage payment. 

Representative did not inform me that the partial payment 'in limbo ' would not be made a second time. 

Based upon the information I had on XX/XX/XXXX, I made a partial payment of {$1500.00} - that plus the {$750.00} previous NSF attempt - to be made again - would be my payment. 

On XX/XX/XXXX I find that no second attempt on the {$750.00} was made - I made a 90 minute phone call only to be told that Mr Cooper is blameless. 

If Mr Cooper Customer Service had told me of the sequence of events on XX/XX/XXXX, then I would not have been late on mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I authorized a payment of {$5400.00} to the Illinois XXXX XXXX XXXX XXXX XXXX ) via the loan servicer Heartland ESCI. I received an online receipt of this payment and online confirmation that it was processed. The intent of the payment was to pay off a XXXX XXXX in full. 

At some point shortly after ( I believe before XX/XX/XXXX ) XXXX transferred my loan to XXXX XXXX XXXX XXXX XXXX ( no relation to XXXX XXXX, as far as I know ). XXXX XXXX XXXX XXXX XXXX has no record of the {$5400.00} payment being made. XXXX XXXX still shows a record of the {$5400.00} payment, and per my calls to XXXX their records show the loan as paid in full. However ECSI XXXX XXXX XXXX XXXX provides no mechanism to submit any documents and their customer service line insists that the university ( XXXX  ) must reach out to them directly. 

I have attempted to resolve this issue through XXXX several times ( starting on XX/XX/XXXX and most recently on XXXX ) and been assured that " it will be fixed '' but I have seen no concrete change on the XXXX XXXX XXXX XXXX XXXX account. As of XX/XX/XXXX with the end of the student loan pause XXXX XXXX XXXX XXXX XXXX has sent a demand for payment. Given the apparent inability or unwillingness of the parties ( XXXX and XXXX ) to resolve this matter or allow me to do so, I now escalate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Back in XXXX of XXXX, I received a notification from my credit bureaus that a collection trade was posted to them. I was never sent any communication ( either by mail, email or calls ) that my credit reports were going to be hit with a collection item. I called the collection agency and they stated that they were representing an apartment complex that my son was living at. My son gave the complex notice that he was moving out due to unsafe surrounds and unsafe health issues. At no time did the apartment complex give me notice that they were going to send me or my son to collections. The negative trade line has severely hurt my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, incorrect personal information placed on my credit report is a violation. I have requested the following incorrect addresses be deleted from my credit file : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX. No actions have been made by the EXPERIAN credit bureau to resolve or correct this problem. 

Two certified letters were mailed to EXPERIAN on the following dates requesting the above addresses be deleted. Certified letters on XX/XX/2022, tracking # XXXX, and XX/XX/2022, tracking # 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 2023-02-07
Company: EQUIFAX, INC.
State: MO
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:
After pulling my most recent credit report I notice an entry from an insurance company I have never used. I believe this to be fraudulent and should be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I transferred XXXX Stellar Lumen cryptocurrency worth US {$76.00} at the time to my account at Coinbase, following their instructions. When the money was not received I asked about it and they claimed I had to send them more of the same cryptocurrency to prove the transfer was for me. I told them I sent all I had, and all they did was parrot the same lines again, and later on, ignore me. They are supposed to return the crypto to the originating account after 30 days if they can't apply it. Instead, they fraudulently kept it for themselves. The record of the transfer transaction is here : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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:
XXXX XXXX XXXX : I disputed the above account severa times and it came back verified and I want to know in the world is possible to verify something inaccurate and illegitimate especially when it violates my consumer right. XXXX, XXXX and Transunion are working in cahoots with XXXX XXXX XXXX to blatantly trample and violate my consumer right under the FCRA. 

According to : 15 USC 1681, I have the right to privacy and USC 1681-2 A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors, A person shall not furnish information relating to a consumer to any consumer reporting agency if -- -- - ( I ) The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( II ) The information is, in fact inaccurate I am a natural person, I am a living human being, I have rights under 15 USC 1681 and these companies are governed by these laws and they violate my rights time and time again. I have a right to privacy and did not give these companies written permission to report the above misleading information which paralyze my way of living. 

I can go on and on showing blatant violations for the reporting agencies...

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX Balance : {$1400.00} XXXX XXXX XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2022-05-17
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: Information belongs to someone else

Complaint:
n 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 instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: LA
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:
Last year I was notified that I have a collection reporting to Experian and XXXX from a timeshare with a balance of XXXX. I have contacted XXXX XXXX XXXX ( on XX/XX/2023 and XX/XX/2023 ) and asked or some type of signature, ID, or anything that the person provided when using my name and social to sign up for the timeshare. The representative told me I have to file a police report and notify Experian and XXXX. 
I then reached out and filed a dispute with Experian and XXXX. I sent letters of dispute in XXXX, I waited 30 days and sent another in XXXX asking for validation that this is my debt. They responded, but they only sent a copy of my credit report, without actually investigating. I sent another round of letters on XX/XX/2023 and I got the same response. In my last response, I asked them to provide the name and business addresses of each individual with whom they verified the collection with, the date they contacted them, the method of communication, and a provided signature or identification they have on file.

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 2022-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, {$100.00} was taken from me from a XXXX Bank of America username with the phone number XXXX XXXX XXXX  XXXX pretending to be Bank of America.

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 2022-08-08
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 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 without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX # XXXX This is the XXXX  time I ask for verification proof of this account. I ask for you to verify this account not to send me another copy of the same report I would like this verification to come in the form account to the # Law # section 1692g # 1 The original application or contract # 2 Any and all statements allegedly related to this debt # 3 Any and all signed receipts # 4 Any and all cancelled checks Under this law you are to supply me with this information. I do not want another copy of this report. I want copies of the application or contract or signed receipts checks etc sir I would like this report removed I am aware that I can take legal action because its is well past my original complaint which gave you XXXX days to get me this information which was file XX/XX/2023. Please either send XXXX of the XXXX requested documents or please delete from my profile

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 2023-05-09
Company: COLLECTIONS USA, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My rent was paid up through XX/XX/2022. I sent certified letter stating I would not be renewing my lease and gave a date when I would vacate the property. I tried to notify by phone when I was bringing the key because they were closed when I got off work and I moved and worked a hour away. The number was disconnected so I sent another certified letter and XXXXXXXX XXXX received both certified letters. I gave proper notice. I should not be charged rent and utilities for 11 days because I didnt return the key for 11 days. They were notified when me and my things would be gone. I left the apartment clean and rent paid up till the XXXX. I was never late paying anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am very concerned about the number of unauthorized inquiries that I found on my credit report. I do not understand how credit bureaus received this information but it is completely false! As a result of this, I can not apply for the things that I need to apply for because this information is ruining my credit.Delete it immediately XXXX, XXXX 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