BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-19
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2022-12-16
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I filed a dispute about the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULETN ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : FIGURE XXXX XXXXXXXX : XXXX -- -> : {$50000.00} XXXX XXXX XXXX XXXX -- XXXX : {$8100.00} XXXX XXXX  XXXX -- -- XXXX : {$630.00} XXXX XXXX  XXXX -- -- XXXX : {$6000.00} XXXX XXXX XXXX -- -- XXXX : {$920.00} XXXX XXXX  XXXX -- -- XXXX : {$5500.00XXXX XXXX XXXX XXXX -- -- XXXX : {$3000.00} XXXX XXXX  XXXX -- XXXX XXXX : {$3000.00} XXXX XXXX XXXX -- -- XXXX XXXX {$6400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-06
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
XXXX money or cryptocurrency in my Coinbase account for a transaction already reversed by bank. 
On XX/XX/21 a {$3700.00} deposit which was meant to be a withdraw. 
XX/XX/21 a {$790.00} deposit which was meant to be a withdraw. 

Both were stopped by bank. But Coinbase is saying i owe them this money. 
Account is disabled as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: AXOS FINANCIAL, INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Axos Invest , Inc ( a part of Axos Invest LLC and Axos Bank XXXX purchased XXXX where I had an account. One of the features XXXX offered which Axos continued offering was automated " tax loss harvesting. '' Essentially this feature sells a fund at a loss and purchases a different index tracker to generate tax savings. 

This requires Axos to generate an 8949 in addition to a 1099. Axos has failed to make these documents accessible via their online portal. I have had to reach out to them multiple times with the current correspondence beginning on XX/XX/21 and they've so far only provided the 1099 on XX/XX/21, from which it will be incredibly difficult and burdensome if not impossible to generate the appropriate 8949. It is also important to note they transmitted this document to me through email which while convenient, is insecure and against industry best practices. 

I have continued to contact them about this issue and they have mostly ignored me. I am reaching out now to FINRA as a last resort so that I can prepare my taxes on-time. 

XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom It May Concern : I recently received a copy of my XXXX, Equifax, or XXXX credit report, and I noticed some closed collection accounts posted on my credit report : *XXXX XXXXXXXX Account # XXXXXXXXXXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX acct # 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,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: Yamaha Motor Finance Corporation USA
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX Yamaha Motor Finance Company notified me that I was past due on a bill. This was likely due to me changing addresses and not receiving the bill. I spoke to the company 's representative on the phone and resolved the payment. However, due to Yamaha 's Motor Finance Company 's computer system they used an incorrect routing number to process the payment, which resulted in what they call a NSF or " Not Sufficient Funds '' and although this would typically mean there was not enough funds present in the account I was told by their representative on XX/XX/2021 that this is not the terms meaning, and that they " use this term for anytime a payment does not go through '' or something to that effect. This is obviously an absurd notion, that they would change the meaning of a phrase. I have provided the correct routing number in the past, and they have used it to charge me in the past, as noted by the representative on XX/XX/2021. However, Yamaha Motor Finance Company has continued the practice of using the wrong routing number and then charging a fee when the payment does not go through due to their own negligence. I believe this is a scheme to continue to charge me additional fees that are not owed and are the fault of Yamaha Motor Finance Company. This is simply put, a predatory attempt to gain an additional approximately {$70.00} each month. They have so far refused any responsibility, and will not even state that they have captured the routing number correctly for future use. I want the fee returned to me, and any possible fines or other actions taken against Yamaha Motor Finance who continues their criminal behavior of charging fees that are their own fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
On or about XX/XX/2022, I sent certified letters to XXXX, XXXX, and Equifax, notifying them of inaccurate personal information on my credit report and requesting that they update the information as I have been a victim of identity theft due to the data breach of Equifax, and most recently XXXX and XXXX. I also completed online Dispute Requests to correct the information. To date, XX/XX/2022, the information remains inaccurate. My name, address, and phone number are still incorrect. I have ONE mailing address and any other mailing address is a non-mailable address. I have one correct spelling of my name and one accurate phone number. Yet, all 3 credit bureaus have either refused to update my information, and/or not responded to my correspondence in the required time by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IQ data is trying to collect from me a balance owed by someone I do not even know. I asked for months for proof of debt and when it was finally received today it showed the name " XXXX XXXX '' a different unit number and different dates from when the apartment was lived in. 

I overpaid XXXX XXXX apartments and they ended up refunding me. They stated I owe them nothing, as I was overpaid when I moved out. 

XXXX XXXX XXXX were also paid in full. The apartment was in perfect condition upon move out and the dates listed on the form I was sent are not even in line with when I lived there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: Professional Collectors Corp.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX on XXXX I did a dispute against professional collector corporation and they couldnt validate the debts with XXXX so the bills were removed. XX/XX/2023 professional collector corporation then and reported 2 bills. One of the bills is for XXXX in the amount of {$1600.00} I have not been to the XXXX XXXX XXXX since at least XXXX of this year and it was for a XXXX so I went to XXXX XXXX. So that bill doesnt exist. There is a second bill for XXXX in the amount of {$4000.00}. This bill was already removed off of XXXX since it couldnt be validated. It already shows on the bill that I disputed already which I did through XXXX. Now XXXX said thats fine that they will take the bill and it put on my credit without validating again. Which they cant validate since it doesnt exist. Professional collector corporation is very angry with me since they are trying to collect that was already paid by XXXX XXXX XXXX and XXXX XXXX XXXX is trying to double dip.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Westlake Services, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I was purchasing a car through US Auto. I was told that Westlake financial had taken over. There is no contact or a title to get if I continue paying. I could not get any answers from Westlake or anyone else. The car was repossessed on Sunday XX/XX/2023. I am without a car, and my money has went down the drain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, 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:
XXXX XX/XX/2023 made an inquire on my credit report, not autorized by me spoke whit XXXX XXXX XXXX, they don't no how they made inquire to my account seen they cant find any of my information in there system, but in the meantime they cant remove that inquire or report to the credit reporting agency 's , that this is not mine inquire

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
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:
Equifax is knowingly reporting 3 unvalidated accounts on my credit report and will not respond to my disputes. The accounts are all violating my consumer rights and are illegal. I have sent multiple letters and they refuse to cease and desist reporting the account. 

I have informed Equifax of the violations, below yet they continue to ignore my request

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: NIC, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company has harrassed me with calls and threats about an alleged debt after causing personal injury to my credit report without written consent. I have sent them certified mail in attempts to cure their misconduct first notice on XXXX XXXX certified mail XXXX XXXX XXXX XXXX XXXX XXXX, second notice on XXXX XXXX. Nemos Collections never supplied any proof of the debt and did not comply with Hippa Regulations along with excessive calls and threats. I have supplied a copy of a call from them which is attached on XX/XX/2022. 


A HIPAA violation is a failure to comply with any aspect of HIPAA standards and provisions detailed in detailed in 45 CFR Parts 160, 162, and 164. 

TCPA violations can often be combined with FDCPA violations, as a debt collector may use an automatic dialing system to call your cell phone in order to collect a debt. The statutory penalties for a violation of the TCPA are {$500.00} per violation and up to {$1500.00} per violation for a purposeful violation. 

The FDCPA at 15 U.S.C. 1692d prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 15 U.S.C. 1692d ( 5 ) specifically forbids a collector from causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: AZ
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: Problem with personal statement of dispute

Complaint:
The reason for this complaint stems from my desire to purchase a house and the subsequent discovery of damages present on my credit report. According to the guidelines outlined in the 15 USC 1681, it is explicitly stated that my credit report should not reflect any unjustifiable damages, as this could be construed as an act of defamation against my character. 
It is my firm belief that these damages have adversely affected my ability to achieve my financial goals, including securing a home. I am reaching out to the CFPB to address this matter and seek a resolution that aligns with the legal standards set forth in the aforementioned statute. Thank you for your attention to this important concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: TX
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: The CMI Group, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDIT MANAGEMENT LP has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. CREDIT MANAGEMENT LP has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal lawbut no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX  XXXX XXXX/XXXX/2021 XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX/XXXX/2021 XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX/XXXX/2021 XXXX XXXX/XXXX/2021 XXXX XX/XX/2021 XXXX  XXXX/XXXX/2021 XXXX XXXX/XXXX/2021

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