BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In XX/XX/XXXX, an account from Milestone Credit Card ( XXXX XXXX XXXX ) was placed on my credit as a closed account. I was unaware of where this credit card had come from as I do not recall ever opening it. I never received any letters notifying me of this account or that it was scheduled to be closed. Upon realizing that this account existed nearly 5 years later, I contacted Milestone/Bank of Missouri to inquire about the account. I was told that it had been charged off and sold to XXXX XXXX. After calling XXXX XXXX I was told that they had sold the debt to XXXX XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX ( See attachments ) stating that if I fulfilled a settlement for the debt, they would delete all records and tradelines of the debt from each credit bureau. I fulfilled the settlement with XXXX on XX/XX/XXXX, and would like for this debt to be deleted. 

This debt has caused an immense amount of undue stress to my livelihood. In XX/XX/XXXX I was hoping to acquire a job with XXXX XXXX to continue to grow in my career field, however, the blemish on my credit report caused me to be unqualified for my dream job. Additionally, my now fiance proposed on XXXXXXXX XXXX XXXX and as we begin to look for our dream home, I am afraid to apply for a mortgage for fear that we will be turned down or offered unsatisfactory terms due to this debt. I've done my best to correct this error by reaching out to the bureaus in dispute as well as the creditor but have received no results. It simply is not fair that I paid the settlement for this debt and the contract agreement is not being met.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I made a purchase of XXXX dollars in virtual currency XXXX  using the XXXX application, cod. XXXX, Amount XXXX XXXX, Commission XXXX, account XXXX, which hours later XXXX canceled, not knowing the reason. The next day, I needed to repeat the purchase operation, buying the {$170.00} again, and this operation had no problems. 
The problem was registered when the XXXX  card that is linked for the charge in my XXXX account, reported the charge of both purchases without having been canceled or reversed to the card the amount of the first purchase that XXXX  canceled. 
I made several reports of the problem using the pre-made forms from the same application, without result. 
Subsequently, the first week of XXXX, I made use of the contact through the telephone that XXXX informs XXXX ( XXXX ) XXXX giving an account of the situation and delivering the required information, informing me that the amount would be restored within the next XXXX XXXX  days later, but to date it has not been made effective.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-18
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:
I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be corrected or deleted. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-22
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/2023 Dear Credit Bureau, I, XXXX XXXX XXXX, have written this letter to dispute an account that are falsely listed on my credit report with your bureau. I have no knowledge of the following account and it is inaccurately listed on my credit report. According to the Fair Credit Reporting Act, legally the following inaccurate items must be removed. I have already contacted the company, and they do not have any information reflecting on my file. 

The following late payment must be removed immediately : Creditor Name : XXXX XXXX XXXX ( XXXX ) Type of Business : Debt Collector Account Number on Credit Report : XXXX I HAVE NO KNOWLEDGE OF THESE CREDITOR OR ACCOUNT WITH XXXX. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE ACCOUNT REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX, stating that I owe them a debt for {$14000.00}. The Original Creditor was Bank of America, NA., who previously charged off the alleged debt. I have no contract with XXXX XXXX XXXXXXXX XXXX They are threatening me by stating they will submit a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. All caps name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between XXXX XXXX XXXX XXXX. and Bank of America, N.A., about me is in direct violation of my privacy per the Privacy Act of 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 2022-02-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My Credit Card Account XXXX XXXX XXXX XXXX XXXX ) was sent to the credit bureaus as a XXXX late in XX/XX/2022 which took my score down XXXX points with Experian. 
I was issued two cards one with a $ XXXX limit and the other $ XXXX limit. One of the cards was compromised and a new one needed to be issued. After receiving the new card, it was not automatically set up on auto payment as the one it was replacing. Unbeknown to me their new website would not roll over the same auto payment information from the previous card or let a member set up auto payment anymore. Therefore, I called to get it all straighten out. I spoke to a person that told me the best thing to do was to combine the two cards that way it would only be one card. So of course, I agreed, then come to find out they kept the card that had previously been reported 30 days late. For some reason they are the only ones that can process automatic payments on their side. I disagree to have a XXXX late reported on my credit reports, due to it was not my fault they upgraded their system and without my knowledge my cards were no longer on auto pay.

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 2023-02-24
Company: EQUIFAX, INC.
State: SC
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 XXXX XXXX XXXX : # XXXX, XXXX XXXXDept of Ed : XXXX, XXXX : # XXXX, XXXX 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 : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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:
Transunion has allowed fraudulent, derogatory information to be furnished against me that has been proven to be unfounded. Transunion has failed to adequately investigate accounts upon written notification from me that the accounts were fraudulent or inaccurate. These creditors have provided proof that the information was fraudulent or accurate, contrary to Transunion 's exclaims of accuracy. Transunion has monetarily benefitted from defaming my character.

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 2022-10-06
Company: Experian Information Solutions Inc.
State: PA
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:
The beginning of XX/XX/2022, I received notification from XXXX XXXX regarding an outstanding account with XXXX XXXX XXXX along with payment options to satisfy the {$9400.00} balance. I called and spoke to a representative to request a verification of debt letter. Upon receiving the information, the math was not accurate. I have reached out to XXXX and disputed this account in the past, but was informed the account had been sold to collections and to contact them with any questions. 

XXXX XX/XX/2022, I filed a dispute with XXXX XXXX XXXX XXXX the discrepancy in the amount owed. CFPB dispute number XXXX. Their response regurgitated a lot of known information, however failed to address the error. The end of the response contained a phone number for XXXX XXXX and for me to call with any questions. 
XXXX XXXX XXXX, I called, as per instructed, and was again informed my account had been sold to a collection agency and for me to reach out to them with any questions. 
XXXX XXXXXXXX XXXX, I filed a dispute with CFPB ( XXXX ) with XXXX XXXX and submitted the documentation proving the amount owed is not what XXXX is claiming XXXX I added XXXX XXXX in the dispute and they received a copy. XXXX XXXX replied after reviewing the documents submitted, the collection account was sent back to XXXX XXXX. They would cease all collection activity on that account. XXXX has yet to respond to this dispute. 

I have disputed the XXXX account with through the credit reporting agencies and those were closed in favor of the creditor. I was advised to file disputes through CFPB against the CRAs considering the documentation proves my case and the information being reported is inaccurate. In addition, trying to get this resolved with the creditor has proven ineffective as incorrect information was provided to CFPB about calling for assistance, the status of my account, and they have not offered any information regarding the mathematical errors and the amount being reported vs the amount paid on the account, deduction of the amount of sale from car, exaggerated, unexplained fees that contributed to the high amount in collections. I have tried repeatedly to receive clarification on the account however misinformation has left me out of options and with a derogatory negative mark which affects my credit score severely. 

Even without the months of payments made towards the original balance of {$14000.00} The sale of the vehicle at {$8000.00} plus the amount in collections of {$9000.00} would be over {$17000.00} paid on a {$14000.00} original balance.

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 2022-10-23
Company: Experian Information Solutions Inc.
State: NV
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:
Recently I submitted a complaint about a collection account on my credit report. After disputing the account I believe that XXXXXXXX XXXX XXXX  has violated hipaa law and has violated my rights. I will attach some files that back my claim. Hipaa law protects people like me from unlawful medical information. The following is the collection account information. 

ACCOUNT : XXXX XXXX XXXX XXXX  Account XXXX Open Balance : {$4900.00} Date opened : XX/XX/2021 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Phone : ( 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 2023-06-22
Company: CarMax, Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have moved from XXXX to XXXX. XXXX XXXX  XXXX requires me to have a copy of the lien holders title in order to receive my tag. I only have 30 days. They have faxed two requests to CarMax Auto Finance and have confirmation. CarMax Auto Finance denies receiving the faxes. The tag office attempted to call them but cant get help without having my social security information. They will not email a copy to me, so I in desperation asked them to mail it. I havent received it yet, but they say they mailed it. Mail can take a long time and sometimes gets lost, so I may not be able to receive it in time. The tag office finally just gave me their fax number, so that I could request that Carmax Auto Finance send it to them. I was told it was a 1-2 day turnaround. It has not yet been sent to XXXX XXXX Alabama. The tag office tells me that most lenders respond in a timely manner to these requests, and are not difficult, as CarMax Auto is being. The reps are nice when I call, because they are worried about the survey at the end. I suspect they tell me something to get me off the phone, but my need is not being handled. I will be fined if this is not received, and I could also be in trouble if I were to get pulled over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX stores XX/XX/2018 Fraud/ scammed my Credit Card from Citi bank XXXX I immediately reported this to Citi at first and received no help. I reported constantly & called Citi to no end and no one was willing to help passing me on to other phone numbers etc. I contacted XXXX Police dept, NJ Office of Attorney Generals office XXXX XXXX : XXXX XXXX XXXX file number XXXX. XXXX on XX/XX/2018. They used my card and never provided product XXXX XXXX XXXX XXXX XXXX was one of the leaders at 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 2022-11-18
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:
In accordance with the Fair Credit Reporting act my rights have been violated. per 15 U.S.C 1681 section 602 A. Which 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 and I have not given written instructions to have any of the information in the attached documents furnished on my behalf.

Per 15 U.S. Code 1681d ( b ) The results of your investigation results need to be shared with me the consumer. So, in conclusion of your investigation please provide the names, addresses and telephone numbers of individuals you contacted during your investigation.

ALSO PLEASE ADVISED THAT PER THE FAIR CREDIT ACT AND 15 U.S. Code 1681i ANY ACCOUNT THAT IS SLISTED ON THIS INQUIRY NEEDS TO BE REMOVED FROM MY CREDIT PROFILE IMMEDIATLEY WHILE IT IS UNDER INVESTATION BY YOUR COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Shellpoint Partners, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested multiple times for NewRez mortgage servicing company to remove my escrow account. Loan originated XXXX and far exceeds the 80 % loan to value requirement. 

The written request for escrow removal was sent XX/XX/XXXX and several calls were placed since that time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Company withheld my insurance license ( my license is required to work ) and would not allow to renew unless they were able to add thousands to balance. I was held XXXX by being denied my insurance license renewal until they could add fees and increase my balance substantially. I was not able to find other employment due to market conditions. I should owe around {$10000.00}, however my balance due to these fees and predator tactics I now owe close to {$30000.00}. 

I need help addressing this predatory behavior! 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance 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 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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