BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: TX
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 Account XXXX Account Name : XXXX Account XXXX 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: In progress
Consumer complaint received 2023-06-29
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX XXXX To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & amp ; 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
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 In addition, Delete all non-account holding inquiries over 30 days old.Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
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 2023-01-23
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXXXXXX XXXX XXXX XXXXXXXX has no contract with XXXX XXXX XXXX XXXX, now XXXX, XXXX. The company claims to be some sort of representation of LAKEVIEW LOAN SERVICING , LLC, who the affiant also has no contract with. This company is harassing and maybe in possession of intellectual property. A surplus has been created in the name of XXXX XXXX XXXX XXXX. I demand that this estate property be returned to the trust immediately. I have reported this company to the XXXX XXXX XXXX of the Internal Revenue Service for unauthorized use of non-public personal information without expressed authorization. Attached is LAKEVIEW LOAN SERVICING , LLC default. The affiant is not indebted to anyone. All debt obligations are of the United States per 18 U.S.C. 8, 12 U.S.C. 411, 31 U.S.C. 3123, 46 U.S.C. 53705, etc al..

This company has furnished deceptive forms to a consumer/natural person. Communication is coming from a debt collector and the communication is false and misleading. I do not choose to contract with any of these debt collectors. I demand that all estate property be released immediately. This is not a request. If terms and conditions are not met within 5 business days, a federal lawsuit will be commenced against these criminals for violation of the Civil Rights Act of 1866, Truth in Lending, and Fair Debt Collection Practice Act.

Please keep in mind that any implication that communication is coming from an attorney is false and misleading pursuant to the FDCPA. LAKEVIEW LOAN SERVICING , LLC has acquired a debt and has agreed by silence to the debt. This debt will be considered a bad debt and will be collected upon the rule 453 with the Internal Revenue Service.

What these two companies are doing is Identity theft. This is illegal and the RICO Act will apply to such criminals as well. 
PLEASE SEE ALL ATTACHMENTS

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 2023-06-29
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 some of the information was erroneous. The 3 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 that need to be investigated and corrected from erroneous reporting in my file 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 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 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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report that I believe are inaccurate and should be removed. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies ( CRAs ) maintain accurate and complete information in their credit reports. I believe that the following items on my credit report are inaccurate and in violation of the FCRA : XXXX XXXX bankruptcy discharged, Case Number : XXXX - The court has stated in writing and via recorded phone call attached to this dispute that they have no records of this account in their database nor do they disclose such information or provide them to credit reporting agencies such as Transunion, XXXX, and XXXX. Due to the fact the court has failed to provide proof that this account belongs to me and that they do not disclose such information to credit agencies, I demand this account be removed in accordance with the FCRA. 
XXXX. Unauthorized Inquiries - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have no recollection of authorizing these credit pulls and demand that they be removed from my credit report in accordance with the FCRA. 

XXXX. More Unauthorized Inquiries- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I have no recollection of authorizing these credit pulls and demand that they be removed from my credit report in accordance with the FCRA. 

XXXX. Inaccurate Account Information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is no record in my possession that these accounts belong to me. Therefore, I demand that this inaccurate information be removed from my credit report in accordance with the FCRA. 

I request that you promptly investigate these items and make the necessary corrections to my credit report in accordance with the FCRA. Additionally, I request that you provide me with written confirmation of the actions taken to rectify these issues. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-06-29
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-10-13
Company: Experian Information Solutions Inc.
State: VA
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 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 explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2020-12-24
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This appears to be a duplicate account that was sold to a collection agency per a XXXX account I did not open. I reached out to XXXX about this account in XX/XX/2020 inquiring about an account that I did not open inaccurately reporting to my credit reports. They would not assist me because I couldn't verify the account that I did not open but was being negatively impacted by. I asked them to close the account ; however, they would not assist in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent several letter to companies by the names of XXXX, XXXX, and Transunion, yet they have failed to respond to my dispute letters. I have not received any responses over the last 6 months.

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 2020-12-23
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: Public record information inaccurate

Complaint:
I am reaching out to you today because I feel that TransUnion, XXXX, and XXXX  have violated the Fair Credit Reporting Act. I have been sending letters to the credit bureaus because I feel that there are a lot of items being reported improperly. I've been working diligently to get a home and all of these accounts are falsely reported. The investigations did not resolve my issue, and then the credit bureaus stopped investigating my accounts. Please investigate every account and its validity, I need this home and vehicle but these misreported items are solely hindering that.

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 2020-12-23
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I currently have two student loans with Sallie Mae i graduated in XX/XX/19. I am working with XXXX XXXX to help me fix my credit. In XXXX my credit scored was XXXX. I am first generation American single mother of two. I went to college to end my cycle of poverty. I fell behind on my student loan payments. i was effected by the pandemic and other life factors. I called sallie mae and informed them that I sent a notice from XXXX XXXX informing them about my financial hardship. I am trying to purchase a cheap condo to no longer pay rent and obtain an asset for my children and myself. Sallie Mae sent negative reports to the credit bureau and my score dropped over 100 point back to poor. when i called to follow up on the notice i sent, i was told they did not receive it. Why is sallie mae reporting late payments to the credit bureau when the country in the middle of a financial crisis?. I plan on paying my student loans. i will be getting evicted from my apartment soon. I need my credit score to move. Now i will have to go into a shelter until my credit improves. They should not be reporting late payments to the credit bureaus during these times. listen i am not here to get pity or sympathy, my story is my story. My ex boyfriend hit me and stole rent money from me and i also lost my job. I have worked and studied hard and sacrificed alot to empower myself, and sallie mae just crushed a goal/dream of mine. this is emotionally distressing and extremely reckless and unreasonable on sallie mae 's behalf. please help me rectify this. i know i am not alone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Coinbase, Inc.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Direct deposit arrived to my bank account and was on hold for a few days. Upon contacting them they finaly saw the deposits for the amounts of XXXX, XXXX and XXXX dollars respectively that arrived to the coinbase XXXX  between the XXXX of XX/XX/2022. After many days making phone calls between banks and sending them complain tickets to get my money resolved they ended up cancelling the direct deposits because they thought it was fraud without returning the money to the original sender. That money was from my XXXX XXXX work and i think they somehow confiscated the money because after weeks those funds never were returned. I have receipts and evidence of them admitting they've seen the funds hitting my account without clearing them. I need this money for a family of XXXX including a baby and cant loose my money just because they thought the money was fraud. If they didnt want to accept a direct deposit they should at least return it to the original sender so that the funds can go to the correct person. I am a XXXX XXXX XXXX  and those funds were hard earned and needed for food and housing needs for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On around XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I respectfully many Federal complaints against Toyota Financial on my Financial Hardship and unable to make payments of {$480.00} a month. 
XXXX Department of Justice file case # XXXX, CFPB case file # XXXX and File case # XXXX. 

On XX/XX/XXXX I purchase XXXX XXXX XXXX and I explained to Toyota XXXX that I can not afford payments of {$480.00} a month but Management insisted that payments will be lowered and affordable, but it never happened. 
I told Toyota XXXX in XXXX, California I can only pay {$300.00} a month and that I was XXXX XXXX and on a fixed XXXX income only. 

I am not able to refinance existing vehicle loan because my negative credit and credit scores and no other financial institutions will not approve refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
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: Their investigation did not fix an error on your report

Complaint:
I have been a victim of ID theft and have since filled out a FTC report. The three CRAs, yes all three. Have been allowing companies to report charge offs on already closed and charged off accounts. Making the total for each account upwards of 15 charge offs. This I know is not only happening to me. The fact is a charge off is a closure and sale of an account. Not the closure and sale of an account and unlimited amount of times. This has severly hurt my score and ability to get credit from any business. There investigations also never return to me with any information on the accounts I dispute. There for their is no information they can actually say the CRA is using to report the claim as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Harris & Harris, Ltd.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount that they are trying to collect on is invalid. XXXX XXXX XXXX is the 2nd collection agency trying to collect on the same debt that XXXX XXXX is collecting on. A dispute was sent to XXXX XXXX and no response. I called Harris & Harris LTD on XX/XX/XXXX at approximately XXXX EST at XXXX and was hung up on. 

The company is in violation of several issues : FDCPA 807 False & Misleading information 11 - " Mini Miranda '' is not on their collection letter ( see attached ) FDCPA - no validation notice on the collection letter ( see attached ) File Bankruptcy and it was discharged on XX/XX/XXXX under Maryland Chapter 7 case # XXXX - the State of Maryland failed to follow a Proof of Claim against the bankruptcy case. This debt was part of this case.

Company response to consumer: Closed with explanation