BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: GA
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 recently received a copy of my ( XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXXXXXX, XXXX. ACCOUNT XXXX XXXXXXXX {$24000.00} XXXX XXXX XXXX ACCOUNT XXXX XXXX {$24000.00} XXXX ACCOUNT XXXX XXXXXXXX {$0.00} Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I mailed dispute letters to XXXX, Experian and XXXX  and all three bureaus did not follow the rules meaning they did not provide me with investigation results within the 30 days that they were supposed to.

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 2023-03-28
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:
A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-04
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2020-04-04
Company: Experian Information Solutions Inc.
State: NC
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:
This happens EVERY TIME and I am sick of it! I carefully type in all my information and correctly answer their questions, but they refuse to give me my reports. 

XXXX  says they can not provide my report online, to send in a copy of my Social Security card and drivers license through the mail. 

Experian says " a condition exists '' that prevents them from being able to accept my request, and to contact them through the mail. 

XXXX NO I'm not doing that! YEAR AFTER YEAR AFTER YEAR I get these XXXX messages and I'm not tolerating it anymore! I am NOT going to risk my personal information getting lost or misdirected in the mail. This is XXXX, not XXXX! Given the EXACT SAME information, XXXX  gave me my report online just fine. If they can do it, so can the other two!

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 2020-02-19
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX, Experian- I will not allow any more longer time periods for your investigation of disputed information corrected by your furnisher of information XXXX . This has been an ongoing battle for more than a year. I have numerous written communication from each organization telling me to contact XXXX the furnisher of information for the bankruptcies 19-02111 & 19-03527. XXXX has deleted the the bankruptcies from my file with the same information that I have provided to XXXX, Experian. According to the FTC 611, you were suppose to investigate and also correct the inaccurate information. FTC 623 a, b, also inform you all to correct the disputed information in a timely manner. Therefore, I have exhausted all other options and disputes. I will not allow you all to continue prolonging and jeopardizing my credit information. I am exercising my legal rights to take legal suit against you both.

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-04-04
Company: The Receivable Management Services LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been getting harassing call from this number XXXX for the last few weeks, leaving me harassing voice mails. The detail of the debt collector agent and  the contact information is, Reference # XXXX, Receivable Management Services XXXX XXXX, Agent, Operations XXXX ext XXXX # ( phone ) XXXX ( fax ) XXXX. Today when they called me again, I picked up and the agent introduced me her name as XXXX XXXX and she said she is a debt collector for a company called Receivable Management Services and that she is collecting debt on behalf of XXXX shipping company. She told me that I used XXXX service, shipped or received a package and that I didn't pay and that it is past due. I told her this is a scam because that I don't use XXXX  and didn't ship anything. They even had an address at which I don't live. She asked me for my email and sent me a fake invoice or something showing some amount due for using XXXX  service. I looked at it and I don't recognize that service or the charges and I didn't ship or receive package to and from that address shown in the invoice. She told me to call the XXXX number on the invoice which I did. The XXXX billing department I called don't even know what I am talking about and told me I should call back the debt collector to resolve this. I called and emailed the debt collector agent but she didn't reply.

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 2020-04-04
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX, XXXX I will not allow any more longer time periods for your investigation of disputed information corrected by your furnisher of information XXXX XXXX This has been an ongoing battle for more than a year. I have numerous written communication from each organization telling me to contact XXXX the furnisher of information for the bankruptcies XXXX & XXXX. XXXX has deleted the the bankruptcies from my file with the same information that I have provided to XXXX, XXXX. According to the FTC 611, you were suppose to investigate and also correct the inaccurate information. FTC 623 a, b,  also inform you all to correct the disputed information in a timely manner. Therefore, I have exhausted all other options and disputes. I will not allow you all to continue prolonging and jeopardizing my credit information. I am exercising my legal rights to take legal suit against you both.

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 2020-04-04
Company: Messerli & Kramer P.A.
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
To whom it may concern, I received a wage garnishment from messerli.kramer in XXXX, MN. Not only is the wage garnishment a fake, but they falsified a court order number and file number, but they also faked a notary signature.

I researched everything they gave me and the entire statement is a fake and an attempt to collect on a debt that is non existent and/or was discharged in bankruptcy. If it was owed at all because i never had a XXXX Credit card and all my XXXXy credit cards, formerly XXXX XXXX, are paid and up to date and active. 

But i find their tactics and practices violate the law, under FDCPA, as they are sending falsified court documents with a fake notary, which is also a crime for faking a notary signature. But i researched the court files in XXXX county Minnesota and there is no csse against me as they claim and the notary is not registered in the state of Minnesota. So their document is a complete fake!!!! They should be punished under the law for falsifying fake court documents. I am going to sue them in small claims because the sheriff serving me at home in front of my children was traumatic for them all for faked documents!!!! 

These people or " lawyers '' need to be stopped from hurting others with their fake documents and lies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
We applied for a mortgage loan to buy a house through Citizens Bank in New York. My partner and I were given approval and all the terms were met and all the requirements submitted. We are about to close for the house and all of a sudden there's no movement on the application and there are no information from Citizens bank whats going on with the loan. We were given and approved for a rate and they just went radio silent. And the loan officer helping us can not give us answer. We feel like we being discriminated against. How can we get help for this. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: CITIBANK, N.A.
State: UT
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:
Macy 's is reporting a debt on my credit file that I do not owe and it must be removed. I have been disputing this account with Macys and the bureaus but they continue to validate this account. I have told them multiple times that this account is past the statue of limitation in the state of Utah and no collection efforts can be made. However, they continue to affect my credit. Not only that, this account is over 7 years old and the date it charged off is past the credit reporting limit. You are in several violation under the FCRA. I ask that Macy 's removes this debt before I contact the Attorney general and my attorney regarding this debt.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
My name is XXXX XXXX and my credit file number with Transunion is XXXX. I have written TransUnion credit bureau more than once concerning this problem of incorrect addresses on my credit file and other incorrect personal information on my credit file. They are reporting my childhood address as well in which I have not lived in over 30 years. I have asked them over and over to remove address and they REFUSE TO REMOVE INCORRECT ADDRESSES. I am requesting again. Transunion gives all kinds of excuses why they refuse to remove extra addresses. I have attached a copy of my ID and my Social Security card. Ive also attached a copy of mail thats dated with in the same month we are in now which is XX/XX/XXXX. I am the consumer this is my consumer credit file and I should know what should be on my credit file or not definitely things or addresses or items from years past should not still be appearing in XXXX. Hopefully this information will not be outsourced like everything else. In other countries like XXXX, XXXX AND PLACES IN XXXX XXXX with all of my personal information being compromised. Thats the other thing Consumers information has been compromised through Trans Union at no fault of our own. They are willing to outsource our information TO STRANGERS and refuse to believe who we say we are even when they have been given evidence of our identity. I have asked TransUnion several times to REMOVE the below addresses : REMOVE THESE ADDRESSES XXXX. XXXX XXXX XXXX. # XXXX, XXXX, Texas XXXX XXXX. XXXX XXXX XXXX. # XXXX, XXXX, Texas XXXX XXXX. XXXX XXXX # XXXX, XXXX, Texas XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX The only address should appear on my credit file is XXXX XXXX XXXX XXXX Texas XXXX REMOVE ALL PHONE NUMBERS XXXX XXXX REMOVE INQUIRIES XXXX XXXX XXXX XXXX  INQUIRY APPEARS 3 times REMOVE ALL SEND AN UPDATED CREDIT REPORT VIA MAIL WITH ALL DELETIONS AND CORRECTIONS

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 2020-04-04
Company: AMERIS BANCORP
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
During my attempt to purchase a new home and relocate for my job I applied for a mortgage with Ameris Bank. The process seemed simple enough as I was selling my current home at the time and purchasing a new home. This would be the 3rd home that I have purchased so I knew what to expect. I was pre-approved with no problems and started the process immediately, providing all necessary information to the mortgage broker and agreeing to the loan terms and conditions. Then I was taken through the under writing process. At which time I was asked for information regarding my current home. I provided the underwriter a copy of the sales contract for which I had already accepted a full price offer on my current home to be sold 30 days after I closed on my new home. 1 week prior to closing on my new home I was contacted by the mortgage broker who stated that I did not qualify for an FHA loan because I had an existing mortgage. The mortgage officer stated that in the contract " we '' had talked about he was stating that my current home was being rented so that I could qualify for an FHA loan. I explained to the under writer that this had never been the case and that my home had always been for sale to purchase, never for rent. This has now caused me to have to restart the process on a conventional loan because the mortgage officer falsified documentation. If I had falsified any documentation during the loan process I'm sure that I would have been held financially or even criminally liable. The same should happen in this case. I am not having to work with my company to obtain temporary living until this issue can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a coinbase account, access to which is controlled by a 2 factor authentication ( 2FA ) code that is generated by an Authenticator app on my phone. On XX/XX/XXXX, I had issues with my phone, and I had to get the phone restored. I lost access to the 2FA code when I did this. Unfortunately, I did not store the secret seed key that is required for re-establishing the 2FA mechanism back on my phone. I spoke to Coinbase Customer service on XX/XX/XXXX and explained my situation. I was told to verify my identity by uploading my driver 's license, which I did. I was told that my account will be reset in 3 business days. This has not happened so far -- and I have been locked out of my coinbase account for 6 weeks now, with no access to my crypto funds. 
Since XX/XX/XXXX, I have spoken to Coinbase support at least 6 times, and exchanged at least 10 emails, but there has been no resolution yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is inquiries that wasn't authorized by me and it's affecting my life because I'm unable to obtain credit or loans only because I have way too much inquiries I would understand if it was me who made those inquiries but it wasn't therefore i want them to remove it from my credit report upon them reinvestigating the inquiries and if can't be verified please delete them.and send me a update credit report thank you

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 2023-04-12
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I opened 5 new lines with XXXX XXXX in XX/XX/2022. 2 days later 3/5 lines were cancelled online from XXXX and 2 phones were sent. I called and cancelled the 2 remaining lines and asked for a return receipt. I spoke to 15 different representatives over the phone and no one was able to send what I needed but they cancelled the accounts. Once I receive the labels I tracked the package both phones were returned. I then received a bill for over a {$1000.00} for services I never received. I have tried to contact XXXX nothing has been done.

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