BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: Paramount GR Holdings, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, This in regards to The Lawsuit against XXXX XXXX XXXX whom filed for Bankruptcy and voided our contract. Now, the financial institution called Goodleap is still trying to collect monies from me when this Bankruptcy is still in session. Goodleap is trying to have another company take the place of XXXX XXXX XXXX, but I don't want the company or any XXXX anymore. I do not want another company, I want them to only take these panels off of my Home Please. That's all I want, I'm not signing any new contracts at all. So, please tell Goodleap to leave me alone, they will not receive anymore payments from me for these faulty XXXX panels I've had for over 2 yes with no less of a bill. So that's what they can do, schedule someone to come get this cheap stuff my home and fix my roof back. I really want my money back also, Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
They are not properly investigating my claim. The address the initial " letter '' went to is incorrect also I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom this may concern, I've recently noticed fraudulent activity on my credit reports ( Experian, XXXX XXXX XXXX ). What has been reported, has led me to believe that I may be a victim of identity theft, as I did not approve nor authorize any information to be used in my name, social security, and/ or attending any college/ University, etc. I am requesting that this fraudulent item be deleted from my credit report at your earliest convenience. I've placed a security freeze on my credit which should alert me proper to my information being used toward this account. This fraudulent item is reporting inaccuracies which are negatively impacting my relationship with numerous creditors, as I am in the process of buying a car. I have reported the theft of my identity to the Federal Trade Commission and would this item to be removed from my credit report immediately. Please review the enclosed copy of the Federal Trade Commission affidavit regarding this fraudulent account. 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 2022-11-29
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:
They are not properly investigating my claim. The address the initial " letter '' went to is incorrect also I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: STERLING JEWELERS, INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for a mortgage on XX/XX/XXXX and it was a XX/XX/XXXX loan with an adjustable rate. I was approved for a mortgage for a home that based on my very low salary I should have never been approved for. My rate adjusted and I could no longer pay the mortgage and now 15 years later they are trying to put a lien on the property. The loan was for 20 % this is a predatory lender that seeked out low income customers.

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 2020-08-07
Company: Experian Information Solutions Inc.
State: AR
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 identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 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 2018-11-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Experian is unable to help me remove this, CFPB please delete the accounts 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, Chapter XXXX Bankruptcy 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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XX/XX/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 2020-08-07
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Around XX/XX/2020 I received an unsolicited debit card from US Bank, in violation of law. On XX/XX/2020 I sent a certified mail to XXXX XXXX, in XXXX, FL XXXX to request the cancellation of the card. I did not activate the card. 
I suspect that someone else is trying to open an account under my name.

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 2021-09-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 41 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my report. It has been over 41 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you causes me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2023-08-18
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-03-03
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: Account status incorrect

Complaint:
The payment was due XX/XX/XXXX  and on XX/XX/, they reported the payment as 30 days late. Anyone with a calendar can tell you that 3 doesnt equal 30. This bank engages in so much fraudulent activity, I shouldnt have to have 2 complaints opened about them.

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 2020-08-07
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
Experian is reporting the incorrect status of an account. I was in Chapter XXXX Bankruptcy from XX/XX/XXXX to XX/XX/XXXX. I have 3 accounts with XXXX XXXX XXXX that were included in the Bankruptcy the account numbers are XXXX, XXXX and XXXX. Experian is reporting one of these accounts with a recent delinquent payment history even though the account has been closed for over 5 years and was included in the Bankruptcy. Two of the accounts with XXXX XXXX XXXX have the correct payment status of " Debt included in or discharged through Bankruptcy Chapter 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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
TIAA Bank, who's payment address is XXXX XXXX XXXX, XXXX, PA XXXX, took over the servicing of my 2nd mortgage on my home in Florida a few years ago. Every month I send them my on time payment at the beginning of the month, from Florida, in an amount more than the minimum due. The payment should reach XXXX in no more than 4 days. But every month TIAA does not credit my payment for 3 weeks. I send my primary mortgage payment to from Florida to California and my account is always credited in about 4 days. I telephoned TIAA bank on 3 occasions but received no satisfaction on the matter and they continue holding off on crediting my payment in a timely manner. The last time I called I asked to speak to a supervisor. When I explained the situation she responded in a sassy manner by asking if I wanted her to give me their California payment center to send my payment and offered no real resolution to the problem. Again, this month, I sent my payment before the due date and as of now the payment is still not credited to my account. I believe TIAA is holding off on crediting my payment in order to drive up the interest I pay on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
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: Information belongs to someone else

Complaint:
I was the victim of identity theft. As a result, there is fraudulent information on my credit report. Experian is refusing to block information after I filed a police report and FTC fraud affidavit.

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 2023-03-03
Company: Experian Information Solutions Inc.
State: TX
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 : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX  XXXX : Account # XXXX have violated my rights. 

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

15 U.S.C.1681,1 Section 604 A section 2 also states a consumer reporting agency can only furnish an account with 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 or 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 data 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 explanation
Consumer complaint received 2022-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Capital One has an inquiry CAPITAL ONE ( Bank ) XXXX XXXX XXXX XXXX refuses to remove the inquires and the following companies have been notified

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
This issue is regarding my attempt to transfer Bitcoin from my wallet on XXXX  ( digital asset exchange ) to my private hardware wallet. 

On XX/XX/XXXX, I withdrew XXXX BTC ( equivalent to {$6100.00} as that day 's market price ) from my XXXX wallet to my private wallet. This transaction was successful. 

However, XXXX incorrectly double posted this withdrawal leading to a negative XXXX BTC balance in my account. I also had other currencies that I needed to transfer to my private wallet ( ETH and LTC ). I was unable to make those transactions because XXXX restricts withdrawals when you have an overall negative account balance. 

In order to get the other currencies withdrawn, I sent XXXX BTC in from my private wallet on XX/XX/XXXX. I subsequently withdrew the ETH and LTC amounts I needed to. 

XXXX never corrected the erroneous double post. I submitted a support ticket to XXXX on XX/XX/XXXX, in which I describe the above in full. They asked for more details and eventually admitted it was an error in their system on XX/XX/XXXX after reviewing : " Thank you for contacting us about this. 

We have confirmed this to be an issue with our system and are working to resolve it as soon as possible. Your case has been recorded for review by an expert. 

Thank you for your patience in the meantime we will be in touch again as soon as we have an update. '' No response from XXXX for weeks so I asked them why it wasn't resolved on XX/XX/XXXX. To which, they replied : " Thank you for contacting XXXX. 

In an effort to respond more rapidly to support requests, direct emails to this address are no longer enabled. 

To get a response from our support team, please visit the following page and complete the request form : XXXX XXXX XXXX Please use the email address that you use to log in to XXXX, select the appropriate category, and include as much detail as possible when submitting your request. 

Thanks in advance for your patience and support. '' No resolution still. I submitted another ticket to follow up on XX/XX/XXXX ( Case # XXXX ), but there has been no response. I have elevated this case number today ( XX/XX/XXXX ) and notified XXXX I am formally submitting a complaint to the CFPB. Today, the XXXX BTC is worth approximately {$22000.00} USD.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief