BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under U.S. Code 1681. 

XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 15 USC 1681 Section 602 ( A ). States I have right to privacy.

15 USC 1681 Section 604 ( A ). States a consumer reporting agency can not furnish a account without my written instructions.

I have not furnished consent via 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.

The accounts listed are adverse items of information and are not convictions or crimes.

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.

The account listed all also have inaccuracies and different information on all 3 major credit bureaus from open date, to ammount owed, and also monthly payments.

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 2022-03-30
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have a small account with Coinbase. All I want is a phone number and address to keep in my files in case I go under a bus and my children need to close the account. I tried 5 times through their website, but they clearly rely solely on automated answers and never provided. This should not require a government complaint ( which I also mentioned in my last message, hoping that might elicit a real answer ). I understand the staff is remote, but so am I, yet my employer ( XXXX XXXX XXXX ) still has a phone and address. Hiding from customers is not a good look.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-16
Company: FIRST NATIONAL BANK OF OMAHA
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called customer service of this credit card company " First Bankcard '' and the person was not explaining well with detail and switched to her manager. 
The manager was not explaining either and treat me as ignorant saying " go file the complaint if you can ''. 
The problem was that they made a minimum interest charge of {$1.00} on XX/XX/20 and I asked it in writing explaining based on which amount. 
Previously I requested a balance transfers of total {$5000.00} and paid total fees of {$80.00} and interest portion of {$4.00}. 
I asked about the charge of {$1.00} ... if was interest portion should be disclosed in the page 2 of 2. ( see attached statement ) But the statement shows that {$1.00} as fee and included in total YTD fees charged. 
I asked again an email or letter explaining well about that charge and they denied it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am having a serious problem with Experian. I disputed with Experian that the XXXX  XXXX XXXX account number XXXX was not reporting accurately on my credit report. They then sent me a credit report stating that this account went into a charged off status in XXXX XXXXand I disputed that. Today XX/XX/XXXX I got an email that they had updated my account and that the account went into a charged off status in XX/XX/XXXX and this is false as we were disputing this account before XX/XX/XXXX. Once again no investigation was done on the matter but Experian only placed what it wants to place on the credit report. I submitted to Experian for there method of verification as it pertains to this account and they got my request on XX/XX/XXXX and to this date almost 2 months later they have failed to provide me with the method of verification which is my right under the Fair Credit Reporting ACT but is just telling me that the account is been reported accurately and this is a clear FCRA violation. 
On the credit report there is no payment information listed on my credit report between the periods of XX/XX/XXXX and XX/XX/XXXX. So, where is that information? How can we know if this account ever went into a charged off status without that information. The account is been reported as paid in full so when was that payment made and why is not listed on the account payment information? The account and payment information is missing, incomplete and inaccurate and the Fair Credit Reporting Act states that if information on a credit report is missing and incomplete then the item should be deleted from the credit report.

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 2019-01-29
Company: EQUIFAX, INC.
State: OK
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:
I will continue to submit complaints over and over and over and over and over and over and over until EQUIFAX puts my account in CLOSED status. I went to state court to have a bankruptcy processed and it was approved by the XXXX State Court.  EQUIFAX is refusing to correct the account to show that instead they're leaving it in OPEN status and putting a note that says " included in bankruptcy ''. This bankruptcy will already be on my credit for 7 years, I'm not asking for anything illegal or more than what I paid for, its not any harder to place this account that's actually closed into CLOSED status than it is to leave it. But what does leaving it do? : It shows a negative account on MY credit ( but what about the other accounts that everyone else put in closed status? do they just disappear? No they are CLOSED but are still on my credit ) ( wow! what a concept? I wish that everyone could see how clicking a mouse to put an account in the correct status, would allow the person who went through the entire embarrassing and expensive process of bankruptcy to have some sort of relief when they check their credit they're now rebuilding and see that everything is back to square one, not ONE company  trying to be difficult for the sake of holding their ground, they're just lowering my score I'm working hard to raise, you know.. THE ENTIRE REASON I SCRIMPED AND SAVED {$1500.00} TO FILE BANKRUPTCY!! I didn't file just to have ONE company refuse to do what the court agreed to. Do the right thing and put the account in CLOSED, this doesn't delete the account, I don't know if you know that..but its still going to be on my credit and showing as " included in bankruptcy ''. Did you know that Equifax? Did you know it will still be there? It just wont be showing as a negative account. THAT'S WHAT I PAID FOR. Why are you fighting me on ONE account? I'm not asking you to go in and change a bunch of stuff. Its ONE click that should've been done 2 years ago!!!!!!!!!!!!!! YOU literally were supposed to change this years ago but now im writing this ridiulous comment for you to ignore so I can copy and paste it again in a month and send it right back. Please just correct the account status that was included in my bankruptcy and is now CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: GA
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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A STATE I HAVE THE RIGHT TO PRIVACY, 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CANNNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 166B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

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 2023-08-06
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This is a constant dispute with my public record at XXXX and Equifax. Bankruptcy on my credit reports has falsely been reported. This has hurt my credit tremendously. I have contacted this agency, XXXX the 3rd party vendor to dispute the claim. Since then XXXX has removed the reporting. Therefore it should be removed from the Credit Reporting Agencies. Equifax has not removed this from my public record and neither has XXXX. I have attached the letter from XXXX stating it has been removed. The monthly reporting of this is a violation in accordance with FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Southwest Credit Systems, L.P.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received notice today that SOUTHWEST CREDIT SYSTEMS , L.P . 
XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX has added a collection debt to my XXXX report /account in the amount of {$170.00}. This account was previously disputed and removed from my report since the account was not owned by me. This is incorrect and is affecting my report. I ask that they remove this from my report immediately and due their due diligence before reporting debts to consumers accounts..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: CarFinance Capital LLC, Irvine, CA Branch
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:
The inquiry was made on XX/XX/2017. I am unsure of the amount. I letter was written to try in have the inquiry removed.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under U.S. Code 1681. 

XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 15 USC 1681 Section 602 ( A ). States I have right to privacy.

15 USC 1681 Section 604 ( A ). States a consumer reporting agency can not furnish a account without my written instructions.

I have not furnished consent via 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.

The accounts listed are adverse items of information and are not convictions or crimes.

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.

The accounts listed all also have inaccuracies and different information on all 3 major credit bureaus from open date, to ammount owed, and also monthly payments.

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 2023-08-06
Company: EQUIFAX, INC.
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:
I filed bankruptcy and I did not give permission for it to be shared for public record and Im on the verge of suing if it is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 both XXXX XXXX and XXXX XXXX was paid off. I have repeatedly called and they keep promising to remove the debt. It is still on my report. I paid XXXX XXXX directly and XXXX XXXX through XXXX. Please help get these removed

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Commonwealth Financial Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX Account # XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Amount : {$1700.00} XXXX Placed For Collection : XX/XX/2021 Date Updated : XX/XX/2021 I demanded Commonwealth Financial Systems to provide me with validation of the debt to include the signed contract between me, XXXX XXXX XXXX and Commonwealth Financial Systems which claim to be collecting and a complete accounting of all charges and credits concerning the account from the time it was opened. 

I also asked them to provide me with the signed contract between Commonwealth Financial Systems and the " original creditor '', XXXX XXXX XXXX XXXX which Commonwealth Financial Systems are collecting on behalf of, if they, Commonwealth Financial Systems have been hired to collect it for someone else.

I informed them that if they did not provide proof or the existence of the debt and their authority to collect it within the next 30 days or have it removed entirely from my credit file with all three credit bureaus, that I may file a claim against them in state court under the laws of Arizona, or the FDCPA, for damages against me related to their fraudulent reporting of the debt to one or more credit bureaus. 

Commonwealth Financial Systems failed to provide proof of the existence of the debt and failed to remove it from my credit file with all three credit bureaus within the 30-day time frame, therefore I wish to file a claim with FDCPA.

Commonwealth Financial Systems bought this debt from a previous debt collection agency which had removed the debt from my credit file after receiving a letter from me with the same requests. 

Signed XXXX XXXX XXXX Without prejudice UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing : loan number XXXX. The above named company has assumed my loan since XX/XX/XXXX. They sent me a mortgage bill for {$5800.00} when my previous mortgage was {$1300.00}. However, I was paying {$1500.00} before to XXXX XXXX before my loan got sold to them. When I attempted to make a payment after speaking with them, they would not accept it unless I was going to pay {$5800.00}. I made several attempts to do so and the same response again. When asked about the reason for the increase, I am told it is my escrow shortage. My escrow was always included in my mortgage since I bought my home in XX/XX/XXXX. I have not seen any drastic increase in my home owners insurance or my property tax that would suddenly cause such an increase in my mortgage. In fact I have been receiving tax credits for my property tax since XX/XX/XXXX. There has been a {$770.00} increase in my insurance for just {$2000.00}, but that would certainly not cause such a shortage. I have tried to get answers and no one follows up and give me the information which I am seeking. I do receive letters from their office about delinquency starting from XX/XX/XXXX to present. On XX/XX/XXXX I paid online {$3200.00} to cover the cost of XXXX  and XXXX  mortgage. Then on XX/XX/XXXX I mailed in a check for {$2900.00} to go towards my escrow account, because that was the amount I got back from my county for the tax credit. On Friday I received a letter from Specialized Loan Servicing ( SLS ) showing that I have an escrow shortage of {$14000.00}. My new mortgage payment will be {$2900.00}. No one has shown me who they paid that escrow to and when and how did that come about. I am on a XXXX  income of {$2000.00} from which I pay other bills. There is absolutely no way I will be able to afford that and no way do I want to lose my house that I have invested so much in. I am now XXXX  years old and sick. I need investigation into this matter with hopefully a great resolution. I also want to start paying my own taxes and insurance to avoid future confusion. Please help me to resolve this matter.

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 2020-12-16
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this debt is result of identity theft I have not received any services from this company and this is in violation of the FCRA to display medical records for public viewing this debt is definitely a result of identity theft

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Bay Area Receivables, Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A debt collector is trying to collect money owed from 2016, though they took over the debt from a company that went out of business and never tried to contact me about the debt. I contacted the hospital who was the originator of the debt for them to tell me they have no record of one of the bills. I paid one debt in full to the hospital directly and let the debt collector know that the other bill did not exist in their system and that I need proof of the bill before I pay. The communication turned hostile via email and the collector told me that I was pulling a " pity card '' and began signing emails as " XXXX  '' after I told the collector that they were XXXX  for the shady business practice of never reaching out for payment, having all of my contact info on file as I've already tried to reconcile my accounts with them. I have the email chain available for review if needed. The amount in question is {$580.00} and debt collector has provided no proof up to this point and the original biller has no record of the debt. This is harassment and I feel like I have no rights here. What can I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I attempted to apply for paypal credit card. Reference # XXXX. They sent 2 notices that I have a fraud report on my credit and they attempted contacting me at the number listed on my fraud report and they did NOT. They stated there was no credit report pulled yet they negatively affected my credit causing credit score decrease. I called and synchrony stated they cant do nothing about, no credit file pulled and disputes that they did try to contact me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: Experian Information Solutions 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/2020 I sent a letter regarding inaccurate and unknow items on my credit report. 60 days has passed i have not received anything from any of the credit agencies. I feel like they have ignored my disputes and I feel they have taken advantage of me by not looking into my request. section 611 ( a ) clearly states that failure to investigates theses items within 30 days they should be deleted promptly. I demand these accounts to be deleted immediately or i will file for litigation due to stress and mental harm you it cause me. My information was also impact by the XXXX data breach which is a big concerned.

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