BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
So I currently purchased credit repair software and I ran my credit report instantly. Upon examining my report I found a few mistakes. Those mistakes being my name being misspelled, my address not being up to date and current employer not being correct as well. Knowing that these credit bureaus are responsible for millions of people inform and also knowing that they have ha habit of making plenty of errors on peoples credit report. I thought that disrupting these error would be the correct move to make.I sent my disrupts out on XX/XX/2022 and I have yet had any help with removing this information. Can you please help me?

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 2023-02-06
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
To Whom. It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying I had some identity theft on my credit card, so I want to make sure everything is correct because I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all. Also I printed out my equifax reporting and i have XXXX hard inquires i have no idea of i did not give written consent to any of these false inquires. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) 1681i ( a ) ( 2 ) 1681i ( a ) ( 3 ) 1681i ( f ) ( 3 ) and 1681 Sec.604A Sec.2 ,15U.S.C. 1692 ( C )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have XXXX  days to complete this investigation. Please investigate the following accounts and remove them if anything is miss Hard in quires Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2023-02-06
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: Investigation took more than 30 days

Complaint:
On ( XXXX I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2021-05-10
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Several years ago I purchase a single bitcoin for approximately {$450.00}. Now it is worth roughly {$58000.00}. My wife and I are ready to purchase a new home and wanted to use this money for the downpayment. I logged in to my Coinbase account, and when I try to sell or transfer the funds to my normal bank, I'm given the message, " Account Restricted. You are currently unable to buy and sell crypto on Coinbase. Please visit https : //support.coinbase.com for assistance. '' However there are 2 problems here. First, if you follow that URL, there is no information on remedying the situation. Second, there is no phone number or way to contact a human being to fix the situation.

I filed several support requests using their contact form, and thus far nothing has happened. If you look into this situation there hundreds, possibly thousands of complaints just like this.

Because of their slow response, my account value has already dropped by several thousand dollars in just 1 day. Since I can not access my funds, I will most likely lose the house we wanted to buy. Therefore this situation is costing me more than the lost value of the account, but potentially tens or hundreds of thousands of dollars in lost real-estate opportunity. 

This is honestly the worst customer service situation I've ever been involved with. If a brokerage firm refused to have a phone number and would not allow you to sell off a stock to retain your profits, the stock exchange and perhaps the US Government would be involved immediately. 

I need help and I need it ASAP. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-29
Company: Kramer & Frank, P.C.
State: MO
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I send my payment on time every month for 18 months and I have never received a statement or anything from them. I have no way of knowing if my payments are even being applied against my huge {$50000.00} balance. When I call them they say they do n't know the balance or payment information and they will have to contact the credit bureau for my balance. What are they doing with my payments? Why ca n't I access my account online to view my payments and statement information. They have never sent me anything and know nothing when I call. This seems very fraudulent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: AES/PHEAA
State: NC
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:
Hi i was taking at look at my credit report and i notice Fedloan servicing which is the company thats on my credit report was open back in XXXX and it has passed the which legal expiration date of 7 years ... i notice that they are re-aging the last activity which is a violation and causes damages to my report i will like for these outdated student loans to be removed ... i have requested this numerous times with the bureaus but no response ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have been reaching out to the credit bureaus because they have a lot of inaccurate information on my credit report. I wrote my 1st letter in XXXX of 2022. They havent sent me any signatures, or gave correct information on any of my account. They are reporting derogatory on accounts I never opened. They also have a lot of incorrect information but wont remove this off of my report. 

I also attached part of my credit report that are 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 2022-11-07
Company: ACIMA CREDIT, LLC
State: IN
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:
Account # XXXX I purchased a bedroom mattress and box spring around 2019. I have been disputing the balance that appears on my credit report..Acima employees were recorded on several phone calls about me disputing this account for several reasons. First off I wanted to return the merchandise after about 3 months. They wanted me to deliver the merchandise at a storage facility in which my girlfriend at the time felt unsafe. We decided to keep the items. At this point you will see they are charging off an un agreed amount. I think they do this on purpose to maximize their profits and loss. I have questioned this many times but when I call they place me on hold and the call always gets disconnected. What I want from them are the final financial figures so that my soon to be attorney can bring them into court to see exactly what the final amount is for the written off balance that they claim to have on my credit report. Also they are still reporting this account as a charge off but yet we agreed to settle this account and it be removed from my credit report. The FCRA is very specific in the penalty and fines for violations. What this company has done is intentionally damaged my credit. They refuse to reply to my requests so unfortunately I have no other alternative but to request a full itemized summary through here and in lieu of a lawsuit moving forward I will ask one last time that this tradeline be resolved by removing it entirely from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: OR
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 do not consent to electronic communications. I request all responses be in writing through the USPS. Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Resurgent Capital Services L.P.
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: Account status incorrect

Complaint:
LVNV Funding placed a collection for {$5600.00} on ALL 3 Credit Bureaus ... XXXX, XXXX, and XXXX. I became aware of this in XX/XX/XXXX. 

WHAT HAPPENED : ** On XXXX i saw LVNV was on my credit report. Never having received anything to do with this company nothing, I sent a letter. ( see attached ). 
** On XX/XX/XXXX = I was SUED by LVNV Funding. ( Still, I had never heard of them or from them ). 
** On XX/XX/XXXX = I responded. 

-- -- - After waiting out LVNVs continuances for documents.On day of courtLVNV is no-show all while reporting still monthly to ALL 3 CREDIT AGENCIES. 

On XX/XX/XXXX = COURT DISMISSED LVNV Fundings case. CASE DISMISSED ... ( see document ) On XX/XX/XXXX = I write ALL 3 AGENCIES requesting they REMOVE LVNV Funding off my report AND THEY ARE REFUSING. 

PROBLEM : XXXX and XXXX refuse to remove after receiving Court Ordered Dismissal. ************ Their reason to me= they continue to wait for LVNV Fundings response REQUESTING HELP FOR RIGHTS 1. I requested LVNV ; who I had never heard of get off my credit report. I was proactive and requested LVNV Funding verifying and validate any debt they were accusing me of owing as well as verify who the heck they were. NOTHING THEN 10 days later= IM SUED BY LVNV FUNDING.

2. LVNV Funding continues to report to all 3 credit agencies stating, I owe them moneyI say I do not, and the Court Agreed.

THIS CASE HAS BEEN DISMISSED IN A COURT OF LAW PLEASE MAKE XXXX, XXXX AND XXXX  REPORT THIS DISMISSAL CORRECTLY AND REMOVE THIS NEGATIVE COLLECTION OFF MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: HW Holding, Inc
State: NC
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 disputed the amount of the debt through transunion. I requested an itemization of the debt due. The company responded that the debt was valid but did not provide a breakdown of the charges. 

They have placed a debt amount of {$1500.00} on my credit report. I require an itemization of the amount due. I did not owe this amount when I left the apartment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
We contacted Fay Servicing in XX/XX/XXXX to review options like modification or reinstatement with working with CA Mortgage relief program. We also requested our mortgage statement since we were got able to view them online ans we had no copies what was owed. The Rep. at Fay Servicing said they would mail us a package. But several weeks later nothing and then we received a letter XX/XX/XXXX that we were in Forecloure and sale date is XX/XX/XXXX. At this point XX/XX/XXXX I had file for help with California Mortgage Relief Program and submitted all the documents. On XX/XX/XXXX I spoke with Fay Servicing that we were pre-approved for the re-instatement to bring us current with CA Mortgage Relief Program application XXXX XXXXXXXX. They said Sale date is active for XX/XX/XXXX and they could not hold until account is paid current. On XX/XX/XXXX Mortgage Relief said we had met the final review and that they had reached out to Fay Servicing to request a HOLD so they could finalize my application and fund the reinstatement. Today XX/XX/XXXX I spoke with Fay servicing, and they still have the sale date active for XX/XX/XXXX. They said they can't do anything, and we need to pay by XXXX ( one day prior to sale date ). Fay Rep said if its just approved they have no control to hold the sale date. They can't wait any longer for the funds and they need to be paid by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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 2023-02-06
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I opened up a case with the the Consumer Financial Protections Bureau case # ( XXXX ) Wells Fargo issued a provisional credit to my account on XX/XX/2022 and on XX/XX/2022 Wells Fargo withdrew this provisional credit without providing any warning and or proof of evidence regarding the case in question. I have received no notification that this was to take place or evidence showing why my claim was denied. 

I have requested proof that Wells Fargo was not directly responsible for defrauding me of my money in the 1st place. I was defrauded when Wells Fargo reached out to me asking me if I verified a charge. I answered no to this question, an got a phone call shortly their after and was asked the normal vetting questions and then asked by the Wells Fargo representative to secure my account from an active threat. Over {$3000.00} was stolen out of my 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 monetary relief
Consumer complaint received 2022-03-10
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
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:
Collection Bureau of Hudson is reporting a fraud account on my credit. I didn't open this account nor did I authorize anyone to do so on my behalf. Please see the attached FTC report and my Driver License. Please remove this account from my credit profile as the account is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: VA
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:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: DC
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've been a victim of identity theft a few years ago and I still have issues with someone attempting to open accounts in my name leaving me with hard inquiries I've contacted XXXX and Equifax and was informed a mother ago to send in documents to support my claim and I did I sent in Police Report along with the Ftc and my credentials that was over nighted and they still refused to remove the fraudulent inquiries.

Company response to consumer: Closed with explanation