BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-23
Company: I.C. System, 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: Their investigation did not fix an error on your report

Complaint:
I have tried to dispute again this account of I C SYSTEM. I have sent multiple letters, but they have not fixed their issues. The reported dates are wrong, and the date opened are wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
i did a complaint a few months ago for XXXX XXXX XXXX XXXX XXXX XXXX it was deleted from my credit report because of identity theft and it is illegal for credit bureau to put back negative items back on my credit report once it has been deemed unverified or inaccurate. they put it back on all 3 credit bureaus and dropped my scores. they changed the amount to XXXX i have another account thats not mine XXXXXXXX XXXXXXXX XXXX i have called thses guys i gave them police report they dont have no info on me someone used another email and address to get the phone so i never got a letter from this conllection agency i told them its not my debt i had my wallet stolen in a basket ball pick up game years ago they wont delete the account thats not mine

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 2022-12-31
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: Account status incorrect

Complaint:
XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ 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 ( s ) to be in error : Account Name : [ XXXX XXXX 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 ]

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 2023-05-23
Company: EQUIFAX, INC.
State: SC
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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

As a consumer, I request to know all of the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of Verification-Description of reinvestigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: AZ
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-08
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX  and XXXX  are incorrectly reporting that I am ( 90-120 ) days late on the XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit report, as well as a copy of my Drivers License and Utility Bill for identification purposes. ) These student loan accounts are in forbearance and should not be reporting. ( I have attached copies of the forbearance documentation for reference. ) These accounts need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these line items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I feel I was pushed into this car loan when the dealer was well aware that I couldnt afford it. Ive tried getting extensions with them Ive been denied. Ive asked for a copy of my contract and they wont provide it. The payments are extremely high and so is the interest rate. XXXX XXXX down on this loan with no relief

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

Account name XXXX XXXX XXXX  Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX Account numberXXXX has violated my rights. Or list of inquiries XXXX5 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 non-monetary relief
Consumer complaint received 2021-09-06
Company: MidAmerica Mortgage Inc
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We began receiving notifications in the mail in XX/XX/2021 that we were in default on our mortgage with Mid America. When I checked our payment history on the mortgage website, I noticed that our payment for XX/XX/2021 was not listed. I checked our bank account ( we have our mortgage payments set up on Bill Pay with XXXX XXXX ), and the XXXX payment was indeed sent ( albeit late ). I sent an email to the mortgage company on XX/XX/2021, with a screenshot of our bank transactions showing that the XXXX payment had been deducted from our account. The mortgage company responded and asked for our bank statement, which I sent to them the next day ( XX/XX/2021 ). 
After ZERO response from Mid America, other than continued letters of default, we called Mid America on XX/XX/2021. We explained the situation, and they found the statement I had sent back in XXXX, but they needed more info from the bank. So I called XXXX XXXX immediately and got the transaction number and the date the check was cashed for the XXXX mortgage payment. I immediately called Mid America back and gave them the information, and I was told they would get back to me within 2 business days. We have heard NOTHING from them, and it is now almost a month later. Our account is still showing that we are a month behind on our mortgage payments, and consequently, our credit scores have been severely affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
As of XXXX XXXX I started working with an individual to assist on my behalf of A few accounts that are errors on my credit report. It has been almost XXXX  months and still the same results. These are all errors XXXX XXXX XXXX {$550.00} XXXX, Equifax XXXX XXXX XXXX {$850.00} XXXX, Equifax, XXXX XXXX XXXX XXXX {$470.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's unreasonable, given that I've consistently made payments on this account promptly without any delays. Kindly adjust my account to reflect the correct payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company has received a credit card debt from XXXX back for a credit card I owned. The account was handed over to XXXX XXXX XXXX to be settled. It was settled at a lesser amount and now they have put a collections on my credit for the full amount not the settled amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
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: Investigation took more than 30 days

Complaint:
This is ridiculous, and I am outraged as a Consumer, and a natural person who is aware of all rights that I have, which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and FDCPA,15 U.S. Code 169215 U.S. Code 1692 - Congressional findings and declaration of purpose abusive practices - 15 USC 1692a ( 5 ), 15 U.S. Code 1692f - Unfair practices. XXXX. XXXX XXXX XXXX Account : XXXX XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX. 

It has been more than 60 days. According to 15USC 1618i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. This is a violation of my rights in accordance with 15usc 1692b ( 5 ), 15 USC1692 b ( 2 ). It's a violation pursuant to section 623 of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: FL
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, XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX  account # 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

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 2022-07-06
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello, I am writing in response to a Coinbase issue I have ran into in which shares were taken from my account XXXX purchased XXXX shares on XXXX for XXXX. On XXXX the shares in Coinbase showed I had {$75000.00}. 
Coinbase deducted my account and illegally took XXXX shares of XXXX without my consent. These shares are currently valued at {$100000.00}. I am requesting the Shares I purchased be reinstated on my account immediately to avoid further action. Please update # of Coins from XXXX back to XXXX which is what I originally purchased. Proof of ownership is listed below. 
{$980.00} ( after coinbase fees ) at XXXX per XXXX. I owned XXXX units and these were valued at {$75000.00} in Coinbase on XXXX. On XX/XX/22 Coinbase updated my share ownership from XXXX units to XXXX with no notice. I understand from the site they have technical issues and suspended trading of these but they need to warrant the transactions that were made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: MN
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:
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 I5 USC 1681. Oklahoma XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 reposting 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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, XXXX BANK account # XXXX, XXXX XXXX XXXX XXXX account # 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

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 2020-07-28
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Debt contested in writing received by SLS on XX/XX/20. Never validated date. Did acknowledge receipt of written dispute in writing stating they were reviewing the case ) see included documents ). Since the time the debt was disputed in writing SLS has called and written hundreds of times. Eventually I had to block the phone number. They were informed that both my wife and I are XXXX and under the care of several XXXX MDs and that we are in an extremely XXXX  state. Instead of respecting a protected class, they harassed and abused us constantly while never validating the debt. The communications received from SLS from day one have been contradictory to other communications. Instead of validating the debt, they told me via email 65 ( maybe a slight exaggeration ) that the account was approved for forebearance - something I never asked for as I do not owe this money AND SLS has violated every law and regulation protecting consumers from unscrupulous actors taking illegal and actionable steps. Yesterday they decided to place a 150 day late mark on my XXXX  account causing a drop of XXXX points. Per my XXXX credit monitoring and scoring, all my scores were above 800 before this happened. All my debts are paid, most long before they are due including all mortgages, credit cards - except my wifes that Im a signer on but do not know about whether shes making payments in full or not. Ive worked extraordinarily hard to build up my credit after suffering a Great Recession business ownership driven personal bankruptcy. Theyve sent via various methods, hundreds of contacts since the debt was disputed in writing and acknowledged in writing by SLS. But not one of those contacts was them validating the date. Happy to provide additional detail as required but my physical limitations resulting from wrong level XXXX in my XXXX XXXX ( XXXX XXXX  planned, XXXX and a half ) cause XXXX XXXX XXXX which in turn quite strong XXXX XXXX and other meds with a host of horrible side effects including an inability to XXXX for more than ten minutes or so say a time. Ive reached that point and fear theres still more to go to finish the complaint. Please dont hesitate to contact me for any additional info needed.

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 2018-05-05
Company: Diversified Consultants, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have explained to Diversified that this debt was no longer owed because we could not turn in equipment because of natural disaster in XX/XX/2016 and all of our belongings were lost. I also explained to them that the services that were charged for 2 months after I cancelled the service the day after the flood occurred. I told them to get in touch with XXXX  and resolve this matter with them. I also requested that they do not call me any more and to discuss the matter with XXXX. I just want the harrassing calls to stop and they continue to call and be rude and hang up when you tell them the reasons and tell you that they are collecting a debt and they want their money. They use bullying tactics and threaten you to report to credit. I have disputed this matter several times with these people and get no where with them.

Company response to consumer: Closed with non-monetary relief