BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX. Also, 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. XXXX XXXX XXXX. Please update and repair these accounts ASAP.

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 2023-03-22
Company: Specified Credit Association, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I'm filing this complaint for two reasons. The first is to ensure that there is a copy filed on record within the CFPB 's database, a NOTICE I mailed via USPS, certified, priority mail, return receipt to the SCA on XX/XX/2023. You will find the notarized documentation attached below. The second reason, is that in the event that the SCA chooses to continue their pattern of noncompliance with the FDCPA in communication with me, the CFPB exercise on my behalf the powers granted to them by congress, and impose fines for the damages The Specified Credit Association has caused me by violating my right to privacy. Not once, but twice. It is my firm belief that any other conclusion would be without standing and an injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX 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 2023-04-04
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: MicroBilt / PRBC (formerly CL Verify)
State: MS
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:
My rights as a consumer are being violated with this inaccurate information. I have the right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance! The one thing I won't tolerate is negative information. It doesnt matter if it's certified or not, what matters to me are the facts and truths of anything that may be going on with your company and the data you have concerning my credit profile.The credit report I received is not accurate which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards.Here 's my challenge for you : Make a document that shows all of the evidence for each claim and send it to me. It should be verified, complete and true! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. I'm unsure if the reporting process was done correctly or whether it's in proper format, so we can't say that your claims are accurate either way. The following claims are controversial and have not been independently verified as true.Please remove any false accounts from my credit report. I am requesting that you take care of this as soon as possible so it does not affect me financially in the future. My credit report is my life. I want only factually accurate, verified and compliant data documented on it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: BMW Financial Services NA, LLC
State: CA
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:
To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : BMW FIN SVC - Account number XXXX Late payments - The dates associated with payments not made on time for the account XX/XX/XXXX XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I do not recall authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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 information incorrect

Complaint:
A copy of the original contract or original purchase agreement that created the alleged debt. if the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders.

2. In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain 3. Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status.

4 if any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement.

5. Proof that you are legally allowed to collect on alleged debts in the state of YOUR STATE, including your Third-Party Debt Collection Bond 6 Also send proof that you sent the legally required notices Followed by reporting this alleged debt to any consumer icies, including copies of the original notice and Any letter tracking your firm maintains. FTC XXXX XXXX XXXX makes clear that it debt parking without # 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 2017-05-16
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I got a dental   XXXX   XXXX   XXXX   repaired by a   XXXX   repair    company.in  XXXX    XXXX  . I originally sent  XXXX    XXXX    to get repaired. The company contacted me back with quote to fix the  XXXX    XXXX  . Out of the  XXXX   XXXX  I authorized  XXXX    XXXX   with specific size to be repaired and mentioned not to repair the other as I have other plans. But When I received the repaired   XXXX   back I noticed the wrong  XXXX  repaired which I did not authorize. I contacted the company and first they said they did what I asked them to do. Then later they sent me another email saying the  XXXX  I requested to repair was not repairable and they repaired the other  XXXX  without my permission. I asked for a refund as I did not authorize the repair. They refused. At that point I contacted  US bank  some where  XXXX  or  XXXX    XXXX    (  I do n't remember the dates as it was all on phone and they have recording ) .They said they will send a questionnaire for me to fill and they are sending in mail. After waiting few months that I have not received any paper, they said because you did not respond they closed the case. I told them I never received any paper, plus I moved just in  XXXX  and some mail might got lost. They said to send the papers again, which I did revive and sent it. Again There was no reply, and month or so pass by. When I contact them they again said the same story they never received any thing and they closed the case. But they are willing to open it up again if I fax them the supporting documents from the branch. I went to the branch and faxed those papers. Do n't remember the dates but bank has all. Again no contact and when I contacted them they said ( spoke with supervisor  XXXX  ) that they never received the fax. I told them I did it from branch and branch know about it. After few days when I called again they said they made a mistake and the documents were received but not attached to the file. So I asked what next and they replied we will look into this. So after few days  XXXX  left me a message to call back which I did. she did not reply. Person on customer service said that basically bank left a note that now its too late they will not handle that. I told them how is it my fault. First I was trying to resolve the issue with merchant, then with the bank, how is it my fault. On  XXXX   XXXX  they sent me a letter saying time was up, then they sent me another letter on  XXXX   XXXX  that the documents lacks sufficient information and close the case I tried Calling  XXXX  from card member service on  XXXX   XXXX , and  XXXX   XXXX  but she never answered.

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 2021-08-09
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 XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: KY
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:
15 U.S. Code $ 1681c-2 and Section 605B, 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 business days after the date of receipt. The accounts below are showing inaccurate information on my credit file report as the debts on each account is not mine : Account # XXXX Account # XXXX Account # XXXX My only address is XXXX XXXX XXXX XXXX # XXXX XXXX, KY XXXX since XX/XX/2000 until Present. No valid information of mine is associated with any additional addresses that may be reporting as mine. The company from Account # XXXX, Account # XXXX, and Account # XXXX has failed to provide a valid wet signature or XXXX form from me. The status of each account should be closed due to required deletion as the debt is not mine. 
These debts on my account are not mine. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer reports under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of accounts listed IMMEDIATELY! 

INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of accounts listed IMMEDIATELY! 

This process through CFPB has documentation proving that Experian, XXXX and XXXX have Identified me as XXXX XXXX XXXX also known as XXXX XXXX XXXX. Yet each company has recently failed to report accurate credit information. Each document specified each consumer agencys response consistently requesting identification after previously verifying my identity which caused monetary losses up to {$40000.00}.

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 explanation
Consumer complaint received 2019-04-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I RECEIVED THE ATTACHED LETTER IN THE MAIL FROM EQUIFAX. I DID NOT REQUEST A FREEZE PUT ON MY CREDIT REPORT NOR DO I WANT ONE. REMOVE ASAP. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2017-05-16
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is with  XXXX   XXXX   XXXX . They hired  Loan Care t o handle the escrow money up until   XXXX   XXXX   XXXX    , then  XXXX  hired  XXXX .    Loan Care pai d a real estate tax payment and withdrew the funds out of my escrow, the  City o f  XXXX  did not apply this money to my account. During this time  XXXX  noticed my RE Tax payment was late so they paid the late tax bill and withdrew the money out of my escrow account again not realizing that this is now a double payment.   I have the proof from the city that the money was never applied to my account and i have proof that the money was taken from my escrow twice.   I have tried to reach  Loan Care  and  XXXX   XXXX  has tried to reac h Loan Care. T hey are not returning my calls and they told  XXXX  that the payment was made with other tax payments in  XXXX  check but they are not going the extra step to either give me the check info so that i can research it or call the  City o f  XXXX  themselves to get this straightened out.   they owe me {$1600.00} plus late fees paid to the  City o f  XXXX  and interest 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 explanation
Consumer complaint received 2017-12-23
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hello, my name is XXXX XXXX I live in XXXX and today I find the courage to contact you to help me with a financial problem I encounter with Coinbase ( www.coinbase.com ). For months I 've been using my credit card and using some of the services the company offers without the slightest problem. On XXXX I sent a bank wire transfer to certify my bank account as it was. The problem I faced for the first time is when I asked the company to send me a wire transfer from my Coinbase account to my bank account at XXXX. The amount was XXXX on XXXX XXXX, XXXX. As isknown, XXXX bank transfers do not take more than three days to complete unfortunate but in my case still the amount I asked not only did not pass into my my bank account but obviously they have not even tried to send that money! I have tried to make a phone call with them but unfortunately I could not wait as I was waiting for more than three hours, I also sent email but still did not answer me until today when I sent this request. That 's why I asked for your help! I have attached my ID, my bank account information as well as pictures from the Coinbase system where they show the process I have executed with the exact amount of my details and the bank account! If you need more information please contact with me, me email is XXXXXXXXXXXX and my phone number is XXXX or XXXX Best regards XXXX XXXX

Company response to consumer: Closed with explanation