BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2.FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3.FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX SV Account Number : XXXX Please remove it from my credit report. 
7 FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
8. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
9. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
10. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
11. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
12. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
13. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
14. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
15. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report.

16. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit repORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Sunbit, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was invited by a woman I met through social media to start investing in crypto binary futures. I began investing on XX/XX/XXXX. Wire transfers were made from my bank account to XXXX. There I purchased XXXX in the form of Tether and transferred it to the trading platform on XXXX and then on SUNBIT. I made approximately 15 wire transfers for about $ XXXX. Gains kept increasing and my portfolio reached $ XXXX When I tried to withdraw the funds, I was told I needed to pay 15 % taxes on the $ XXXX gains before I could withdraw funds. Taxes amounted to $ XXXX and I made partial payments. When I made a payment, funds would still not be released and new payment requirements were assessed. The only communication available with them is through Customer Service. I have received a few emails, but all through a Help Desk style format. I currently have $ XXXX in my account, but no way to access or withdraw the funds. I believe the platform is located in XXXX. 

Here are the platforms I traded on : SUNBIT trading platform : https : //www.sunbitsite.io ( migrated from XXXX platform in XXXX ) XXXX trading platform XXXX XXXX XXXX XXXX XXXX XXXX ( shut down and moved to SUNBIT platform in XXXX ) I had email contact from this address : XXXX XXXX ( XXXX ) XXXX reply-to : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: CL Holdings LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Jefferson Capital Systems LLC. and Attorney XXXX XXXX took action for wage garnishment execution via the CT Superior Court on the wrong individual- different name, social, and DOB . Pure negligence to ensure correct information for debtor resulting in wrongful wage garnishment actions against the individual - including sending a XXXX to the wrongfully accused individual 's employer and disclosing debtors personal information to persons other than the debtor or debtor employer. Due to such negligence, CT superior court signed and approved wage garnishments for individuals other than debtors, causing emotional distress to wrongfully accused individuals, debtors, and wrongfully accused individual and debtors family/family income. When trying to contact XXXX XXXX XXXX via phone call, they stated no one was available to speak to me despite being within business hours displayed on the website ( XXXX XXXX XXXX XXXX XXXX ) called XXXX XXXX XXXX  Wrongfully accused received information on debtor via phone call and employer due to XXXX XXXXXXXX disclosing debtor 's personal information. 

Called XXXX today to offer a partial payment amount in return they remove the wrongfully garnished individual 's employer from the court and they denied due to their 10 % fee they charge. Due to XXXX ' lack of due diligence before filing and executing a legal court document, my personal credit information has now been disclosed to CT XXXX XXXX, XXXX XXXX without my permission. XXXX is now in extreme emotional distress and embarrassment of her job of over 20 years. It has now been XXXX XXXX with no attempt at resolution from XXXX XXXX 

XXXX XXXX XXXX, XXXX CT license number : XXXX XXXX XXXX, CT XXXX. XXXX House - XXXX XXXX XXXX XXXX XXXX, CT XXXX Docket # XXXX XXXX XXXX XXXX XXXX Supervisor XXXX XXXX XXXX P ) XXXX ^ Tried to contact - Claimed closed business hours via gentleman on above phone line who would not share his name or association with said company Phone ( Listed Via CT Judicial ) : XXXX Email : XXXX Website : XXXX XXXX wage garnishment +Falsified court documents which included individual not debtor - Wrong name, social security, DOB, and middle initial +Emotional distress to wrongfully accused individual and debtor. Created emotional, financial distress within the family. 
+Under FCPA creditor disclosed personal information about debtor CT superior court wrongfully signed off on wage execution against a person other than the debtor Attorney has yet to get back to us - XXXX XXXX XXXX XXXX EXT XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I bought 2 {$500.00} vanilla gift card in the XXXX store located on XXXX in XXXX back in XX/XX/2021 and I possess both cards the whole time with no one else knows the card number. However, on the same day I purchased them, there are 3 unauthorized transaction ( totaling of {$740.00} ) happened on the 2 gift cards. I was only able to find out about this fraud 2 days later when I was trying to use the card but the strip on both cards were not working. As a result, I reported this fraud to XXXX gift card as soon as I find out on XX/XX/2021 and received a confirmation email from their dispute department on XX/XX/2021. Vanilla gift card told me that they would have a resolution within 90 business days. I waited for more than 90 days and heard nothing back from them, so I called them to escalate my dispute case. However, their so called 'escalation ' ( and their only way ) to get an update is by sending an email to the dispute department. Moreover, every time I ask for an escalation, they told me to wait for 2 more business days for respond and call back if heard nothing back. I am not sure if they are sending any escalation emails at all. 

In conclusion, I gave them 6 months to resolve my case but they are doing nothing to protect me from the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name- XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

1. 15USC 1681 section 602A. States I have the right to privacy 2. 15 USC 1681 section 604A section 2- It stated a consumer reporting agency can not furnish an account without my written instructions.

3. 15 USC 1681C a ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by no more than seven years.

4. 15 USC 1681 S-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 in 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
Consumer complaint received 2021-01-12
Company: GUIDANCE RESIDENTIAL, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I requested for a loan to buy a house and sign up financial applications at XXXX XXXX to finance a conventional loan with 20 % down-payment funds. I paid all necessary fees, provide all financial confidential documentation and submitted to the Guidance Residential LLC as my Mortgage Company. At XXXX XXXX I received Uniform Residential Financing Application ( Form XXXX ) from Guidance Residential, filled it out, signed and sent it back. All XX/XX/XXXX, XX/XX/XXXX and beginning of XX/XX/XXXX I am getting promises to sent me a commitment for close this real estate transaction.My mortgage broker is lying to me, my Real Estate agent and Law office who is representing me in this transaction every time when somebody calling him. He promised to speak with Vice President of the company, he got commitment already and just in few minutes sent it to us and etc.Now, I have to close this transaction with all cash, because time is the essence and buyers side wants to breach a contract.

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 2021-12-18
Company: Experian Information Solutions 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:
I have been the victim of identity theft I have accounts on my credit report that I have no knowledge of this is extremely frustrating I have contacted the bureaus and have not heard any response as of yet I need these accounts remove and a freeze placed on my credit file so nobody can use my credit without my permission I am desperate can not believe this has happen to 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 2021-12-18
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:
XX/XX/2021 Certified Affidavit Sent to XXXX XXXX XXXX XXXX XXXX and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Legal Action Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail Equifax and XXXX on XXXX separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 2023-04-07
Company: Experian Information Solutions 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 XXXX XXXX XXXX Dear XXXX, Experian and XXXX XXXX : acc : XXXX XXXX XXXX XXXX # : XXXX XXXX : XXXX XXXX XXXX XXXX acc # : XXXX I am contacting you because I have found some information that is inaccurate on my credit report. 

I dont believe these accounts were ever paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : acc : XXXX XXXX XXXX acc # : XXXX XXXX : XXXX XXXXXXXX XXXX XXXX acc # : XXXX After doing so please provide me with an updated credit report reflecting the changes. 


Thank you for your time, 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 2023-07-25
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: Was not notified of investigation status or results

Complaint:
I XXXX XXXX XXXX, am filing this CFPB compalint in reference to disputes. That were sent cerified to the three major credit bureaus. XXXX, XXXX XXXX, and Equifax in the filing of these disputes for request for reinvestigation I never got any results from my dispute for reinvestigation. I sent my disputes by certified mail, and yet I was not provided any information back at all. 
XXXX, XXXX XXXX, and Equifax Information Services , Inc. Have violated my constitutional Rights under FCRA , 15 USC 1681Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is accurate and recvord the current status of the disputed information, or delete the item from my file before the end of the 30 day period beginning on the date you received this notice. 
My didpute was sent by certified mail, I demanded to see verifiable proof ( This should have beeen hard evidence that goes all the way back to the original creditor, not verification from a third-party database. 
The three major credit bureaus, XXXX, XXXX XXXX, and Equifax Information Services , Inc. Have continually violated my rights by continual noncompliance as it relates to violation of the FCRA 15 USC 1681. 

( See attached uploaded disputes violations ). 

As, of the sending of this CFPB complaint, I will be following up with the filing of Civil lawsuits. Against the creditors and the three major credit bureaus, for the violation of my federal constitutional rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Everything has to be 100 % accurate on my credit report. 

The Credit bureaus states my account was properly investigated but that is impossible if the open date is inaccurate, the high credit is inaccurate, the date last reported is not accurate, the date last active is inaccurate, and the date of last payment is inaccurate. This is 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 A Section 2 Also states responsibilities of furnishers of information to consumer reporting agencies. 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. 

Also the credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking number # XXXX, # XXXX, # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24
Company: TCF NATIONAL BANK
State: AZ
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:
We had 3 mortgages with Chemical Bank. ( XXXX XXXX area ). The company changed hands to TCF in XXXX. I sent the 3 mortgages through my bill pay as usual in XXXX. TCF put all 3 payments onto one house which sold. The payments were clearly indicated by the bill pay system. They sent us a notice with late fees for not paying the other 2 mortgages. In XXXX I sent the mortgage payments by USPS. Then they found their mistake. In the meantime our credit score fell to XXXX from XXXX ( XXXX 'XXXX   XXXX  ). That is 110 points. Since that time, 2 houses have sold and the 3rd will close on the XXXX of XXXX. They said " we are sorry and have done all we can do! 
You will have to wait 30 days. '' TCF has said they have corrected their mistake. My question is to what degree have they corrected it? Will our credit score return to where it was before their mistake. It didn't take them long to knock our score down ; why isn't it possible to correct their error without us waiting 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: I.C. System, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My ssn was stolen a few years back and I have had random accounts like I.C. Systems pop up over the years which XXXX  and the other bureaus should clearly be able to see on my account! It is unacceptable that XXXX  verified their claim as accurate and selected their own description of no payment due to COVID19 when that is absolutely false! The only utility services I have are with XXXX  since XX/XX/2020 and the first utility services I have gotten in over 4 years! There is nothing I can do about someone who has my information committing fraud, but when I pay for services to keep my credit file locked and monitored at all times and notify bureaus of fraudulent activity it is absolutely unacceptable to falsely claim things that are untrue! I want this fixed ASAP or I will be notifying my lawyer of this lie someone in XXXX  approved and taking next steps to make sure all involved are held accountable!

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 2019-05-06
Company: MoneyLion Inc.
State: AL
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:
My bank account online ID was hacked and someone managed to change my XXXX  account password in XXXX. When I realized my account was hacked I worked with the bank to change my account ID and password, and I filed a fraud report on XX/XX/2019 with XXXX ; I don't know if someone had my SSN or not. Right around that time I noticed a Moneylion transaction in my bank account trying to withdraw {$500.00}. I contacted the bank and had them cancel that transaction. I closed my bank accounts and had new ones set up. Now I have a Moneylion account on my credit report at the three reporting agencies that shows a delinquency record. This is severely hurting my credit ( XXXX points! ) and the credit bureaus only say they contact Moneylion to verify it's real, but it is absolutely not even if Moneylion thinks it is. Someone must have opened an account in my name or something. This is a fraudulent account at Moneylion and I can't seem to fix it. I've searched the web for other cases like mine and I actually have seen a bunch out there with almost the same exact situation. I'm kind of at my wit 's end not knowing what to do and this is really hurting my credit right now and affecting my legitimate loan requests. It looks like the XXXX  has also revoked Moneylion 's business as there are too many complaints similar to mine. I'm hoping you can help. Thank you.

Company response to consumer: Closed with explanation