BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-16
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXX ) is reporting on my personal credit file with Equifax, XXXX, XXXX ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the CRA & DF have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Experian Information Solutions Inc.
State: CA
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 have mail off many certify to correct this issue with Experian ( XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX. 

I have recently been informed that there is negative information reported by XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing derogatory. 
I challenge the accuracy, compliance and report ability of this listing. 
Please validate this information with above listed accounts and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I WILL ATTACH MY CONSUMER REPORT FOR XXXX XXXX THAT'S NOT BEING REPORTED ACCURATELY -- -TRANSUNION IS REPORTING LATENESS FOR XXXX, XXXX & XX/XX/2022 WHILE XXXX IS REPORTING PAID STATUS -- THIS IS NOT 100 ACCURATE REPORING -- ALSO PER 12 CFR 1026.13 THIS IS A BILLING ERROR & LATENESS ARE NOT SUPPOSED TO BE REPORTING ON A OPEN ENDED PLAN SUCH AS THIS ACCOUNT PER 15 U.S. Code 1637 - Open end consumer credit plans...

AGAIN, THIS ACCOUNT IS NOT BEING REPORTED ACCURATELY AS PER 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2018-04-27
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I would like to submit a complaint against ( Transfinancial Companies ) regarding unknown medical account ( s ) XXXX for {$200.00} reporting on my credit report ( s ). The account ( s ) were placed on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. ( Transfinancial Companies ) never mailed me any letters or communicated with me in any manner regarding this alleged medical account ( s ). I mailed ( Transfinancial Companies ) a certified, registered and tracked letter via the United Stated Postal Services on XX/XX/2018 requesting validation of the account ( s ) ( Transfinancial Companies ) reporting on my credit report ( s ). ( Transfinancial Companies ) has not responded to my letter requesting debt validation. Therefore, I contacted the original creditors listed on my credit report ( s ) that ( Transfinancial Companies ) claimed to be collecting for the original creditor ( s ) stated I did not have any outstanding account ( s ) /debt ( s ) and that XXXX had paid all account ( s ) /bills. Therefore, ( Transfinancial Companies ) have violated several state laws, FDCPA and FCRA. ( Transfinancial Companies ) is engaging in fraud, I was never notified of this alleged account ( s ) /debt by mail, letter or any form of communications before Transfinancial Companies reported and placed the account ( s ) on my credit report ( s ), misrepresentation of debt ; and attempting to collect for medical account ( s ) that were already paid by insurance and/or XXXX. 

These erroneous entries by ( Transfinancial Companies ) are detrimental to my overall credit rating and has caused me severe financial and emotional distress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: MN
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I initially notified LexisNexis, youve sold access to my personal information to XXXX, XXXX, and XXXX without my written consent under 15 U.S. Code 1681b - Permissible purposes of consumer reports. 


Despite two written requests, my most recent documented demand dated ( XX/XX/2023 Case # XXXX ) the non-certified item listed below still remains on my consumer reporting file in violation of Federal Law. 


Youve sold access to my personal information to XXXX, XXXX, and XXXX without my written consent under 15 U.S. Code 1681b - Permissible purposes of consumer reports. 

( 2 ) In accordance with the written instructions of the consumer ( XXXX XXXX ) to whom it relates. 

Under 18 U.S. Code 1028A that legally classifies that action as - Aggravated identity theft ( a ) OFFENSES.

( 1 ) IN GENERAL. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

In the results of your first investigation and subsequent reinvestigation, you wrote that you verified from XXXX that these items are being reported correctly?

Who verified or certified this filing? You are willfully storing 3rd party information ( XXXX  ) within my consumer file thats non-certifiable, nor verifiable by LexisNexis ; nor have I granted you written authorization to do so!

The law is the Law! Ignorance of it is no excuse! The CFPB drafted these same laws for a reason, they need to be strictly enforced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: NY
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:
Recently, I requested verification of inaccurate accounts reporting on my credit report that your bureau maintains. I received a response stating that the account ( s ) were verified.

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for you investigation of the following accounts, as required by FCRA 611 ( a ) ( 7 ) : 1. XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX Per the FCRA you are required to provide this information within 15 days or delete the negative items from my credit report. 

Best Regards, 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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$860.00}

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 2022-03-25
Company: Atlanticus Services Corporation
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 I finally set up monthly autopay on my aspire credit card, and noticed for the first time that my monthly payments were not bringing my debt down, therefore, I researched my e-statements and discovered that the minimum payment due indicated on my app account portal dashboard doesn't reflect the actual minimum amount due, as a result, I made the minimum payment due on my dashboard but since it is not the actual amount owed I've been charged with late fees. I have screen shots to support my argument. I have since cancelled autopay and will check the actual amount due before I make a payment, but I don't know how much money I lost due to this unfair credit card debt collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: NV
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:
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. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: NV
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 credit card belonged to my X husband and they are holding me accountable. They are lowering my credit score by posting delinquency. I never signed for this card or had a card or used it. This was his debt and he passed away. Please remove or correct this from my credit report. I called and they will not remove my name. Account # XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Netspend Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Today is XXXX XXXX and for the last 5 months or longer I have charged a {$20.00} overdraft fee by net spend for every transaction above my limit {$10.00} overdraft fee limit. I have tried to resolve this being that this has to come out of social security checks and I can not afford that overdraft fee. Not just because of what the overdraft fee cost because I never spend at most {$40.00} over. But this month I went by {$30.00} and I now owe them {$100.00} for items that only cost {$10.00} to purchase. I have ask them to send me my statement thru the mail and they still haven't done. My mobile account I am always locked out and I knowthat I am not wastful with money. Net Spend has always an excuse for why they over draft fees are so high. I thought that this is another case of price gauging, but that would up to you. my email ; XXXX. I just bought the house I live in so I would appreciate if someone could understand my complaiant. 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 explanation
Consumer complaint received 2023-03-11
Company: HW Holding, Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit Collectors " Hunter Warfield '' ( XXXX XXXX XXXX XXXX XXXX FL XXXX ) ( XXXX ) originally charged us {$2400.00} on XX/XX/XXXX and now on XX/XX/XXXX the account has been raised to {$3700.00} ( Account # XXXX ) I have not received any communication from Hunter Warfield regarding these increases.

Original Company that issued this report was " XXXX XXXX '' which is a Rental Company. 
We moved out of the apartments because XXXX XXXX refused to check for Mold when one of their disgruntle mechanics " intentionally '' created flooding in our apartment. ( this statement has been verified by XXXX XXXX ) Water was all over the apartment about 2 '' Deep. we asked XXXX XXXX to check for Mold in walls and they told us they did. We asked for report from Company that this was done and XXXX XXXX  never sent that over. ( because they never had any licensed company come over to test for mold ). 
At that point we moved out and XXXX XXXX sent us a invoice and we refused to pay because they could not produce paperwork that said the apartment was free from Mold.

# 1 I need to know why they are charging me.

# 2 I need to know why they are increasing the original Amount every month? Hunter Warfield never sent me any paperwork indicating that there is an interest charge or a reason for upcharges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: EQUIFAX, INC.
State: AL
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:
On XXXX XXXX, XX/XX/XXXX, I sent XXXX XXXX XXXX certified letters after checking my Credit Report and seen there was a medical bill on my report that not once did I EVER receive notice in the mail from XXXX XXXX XXXX  XXXX XXXX letting me know that I had an outstanding bill after my insurance paid for my visit! Not Only have I mailed certified letters I called and the guy I spoke with was awfully rude and hung up on me! I sent another certified letter on XXXX XXXX cease & desist but they dont see the issue! the letter is being returned back to me because their physical address is invalid! Thats when I called and was hung up on! XXXX XXXX XXXX   XXXX XXXX never sent an outstanding bill and sent this straight to a collection agency giving personal medical treatment and insurance! they gave them full insurance card information without my PERMISSION! Now I have to call my insurance company and let them know that someone has my full insurance card Information!! This collection agency knows what I was treated for and what was given as well what my insurance was! I never signed for them to break my medical privacy! When I called XXXX the man had the nerve to say that they had rights to my MEDICAL records! No you do not! I was never contacted and never did I sign for a collection agency to receive my medical treatment and how things were administrated to me on this personal heartbreaking medical procedure and breaking my privacy law! I want this matter taken care of immediately! I have filed a complaint to OCR! This is Violation of HIPAA and I will proceed with suit! XXXX refuses to pick up my last certified letter and they keep reporting this account to Equifax knowing their in violation of my medical rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Ready Capital Corporation
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
complaint against GMFS servicing. 1. GMFS placed my account in forbearance without my knowledge and now has reported me to the XXXX credit bureas stating I was 65 days behind. I have never stopped but placed in what appears to have been in a suspense account. As a consumer I am unsure if loan payments has loan amortized correctly due to GMFS holding my payments in suspense. XXXX. When I called GMFS over 50 times and faxed them my bank statements to a fax number on their automated service numerous times without response, spoke to XXXX service representatives starting on Monday XX/XX/XXXX without a resolution. Every representatives I spoke to refused to review the previous statements that never reflected a past due amount up until a XX/XX/XXXX statement with a balance owed of {$5000.00}. There was one representative that finally answered and said " ma'am we do not see exactly where the past due balance is coming from, the month or the specific dates but we can see that you missed payments in XXXX. " I spoke to another representative that admitted some truth " The only reason we " GMFS '' is telling you its XXXX is because WE CAN NOT SEE ANY PAYMENTS before XXXX '' GMFS has basically reported me to the credit burae and sending loan modifications and credit counseling options because they dont have access to my records.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-08
Company: BTH Management
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a formal request for a block or Deletion of XXXX   XXXX  XXXX ( CHECK INTO CASH ) according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than ( 4 ) days business days after the date of receipt by such agency of :

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Coinbase, Inc.
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 nearly {$100000.00} stuck in my Coinbase account. Customer service has been very poor, literally no existent. Now Im facing hardship due to not being able to access my account.

Company response to consumer: Closed with explanation