BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-03
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021, I did a dispute with XXXX. On XX/XX/2021, I received a letter from XXXX that all bankruptcy items were removed from my public records, on my consumer report. On XX/XX/2021, I sent a certified letter to all 3 credit bureau with the attached letter from XXXX XXXX that the items were removed, due to their inability to verify the accuracy in a timely manner. Also, the courts letter stated that they don't verify information ( that include anyone involving the courts ) I called XXXX on XX/XX/2021 and they said they cant remove the items on my credit report due to XXXX reporting. I called XXXX back on XX/XX/2021 and I spoke to XXXX. He said, that the letter that stated your items were removed from our database ( verified database ) is correct. But then turned around and told us that there's another database ( unverified database ) that consumers are unaware of that the creditor 's use which they pull from that database which still has the information. ( Unethical ) Under the FCRA law they have 30 days to do their investigation. They said that the other database ( XXXX ) dispute can go from 40-60 days. We have provided XXXX from the courts stating they dont furnish this information nor do they verify this information. And that it should be disputed and removed from both databases. I have provided the supporting documents.

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 2023-08-09
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 is a follow-up of a previous CFPB ( XXXX ) that i submitted on XX/XX/2023 regarding an illegal entry placed on my credit report by Southwest Credit. Shortly after submitting my complaint they removed it and send me a letter I received a letter dated on XX/XX/2023 regarding an alleged debt owed to XXXX ( XXXX ). In response, I sent the attached validation request letter via certified mail on XX/XX/2023. Attached is proof that it was successfully delivered and accepted by Southwest Credit. The company ignored my validation request and sent me another letter dated XX/XX/2023 demanding payment. Attached are both letters that I received from them along with my request for validation letter and USPS certified mail receipts. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request debt validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

Please see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: DE
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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've tried to get the fraudulent XXXX  and XXXX XXXX XXXX company accounts removed from my report. Please help me and get these accounts blocked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft please remove this fraud inquiry from my 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 non-monetary relief
Consumer complaint received 2023-08-11
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage began XX/XX/XXXX serviced by Nationstar Mortgage d/b/a Mr. Cooper. 
Beginning XXXX the company began calling customers on or around the XXXX of each month. When the call is answered a recorded male voice announces in a very strident, almost threatening voice that this is Mr. Cooper and we are a collection agency. He continues with words to the effect that they are out to collect on a debt and offer ways to make payment immediately, including by check and we will wait until you get your checkbook. Other options are given, the last being, speak to a representative. 
The representative requires the usual of Name, Address, Zip, and last-4 SS #. She says that this is a courtesy reminder that our mortgage payment is due by XXXX. 
For the first few months I ignored the calls until XX/XX/XXXX, and was confused and offended why this company was representing themselves as a debt collector which usually means I am in arrears. I have never been late with payment to them. I told her that I didnt appreciate the tone of the recorded portion of the call and that since I had not ever been late that I didnt want or need a reminder. She promised that she would take care of it. 
Today XX/XX/XXXX they called again. 

Since my first mortgage in XXXX I have never had a company send a monthly reminder about the next payment. I have been late by a few days a minuscule number of times and only then was contacted by the company and paid the penalty. 
It is sad to think that, for this company, the majority of their mortgagees are delinquent and need to be threatened by a collection agency in order get their payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
BACKGROUND : In XX/XX/XXXX I was offered and accepted a 3 month forbearance on my XXXX XXXX XXXX XXXX Mortgage. in XX/XX/XXXX the forbearance was automatically extended for an additional 3 months. In XX/XX/XXXX I was offered Covid 19 Post Forbearance options. I chose the Flex modification option. In XX/XX/XXXX I was presented with a Flex modification offer, in XX/XX/XXXX I accepted offer and made 3 trial payments in accordance with terms of offer. in XX/XX/XXXX i was presented with and signed final Modification documents. 

COMPLAINT : In XX/XX/XXXX there was a significant decrease in all 3 of my credit scores ( experian, XXXX  and XXXX  ). They all reported delinquency in the payment of my XXXX XXXX XXXX XXXX Mortgage. in XXXX I contacted XXXX XXXX XXXX XXXX concerning the derogatory credit report. I was told that it had been turned over to a representative for resolution. when I contacted the representative he confirmed that my covid 19 forbearnce should not have negatively impacted my credit. he also stated that an investigation would be initiated within XXXX XXXX  XXXX Unions credit reporting department. I have been contacting XXXX XXXX XXXX XXXX on a monthly basis since XXXX but no resolution has been reached and it appears that no actions at all or being initiated. 

ATTACHMENTS : 1. copy of my complaint to XXXX XXXX XXXX XXXX 2. copy of post forbearance options 3. copy of offer of flex modification 4. copy of final flex modification agreement 5. copy of mortgage payment history prior to forbearance and after trial period 6. copy of trial period mortgage 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 2023-12-16
Company: Experian Information Solutions Inc.
State: NY
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:
THIS IS A NOTICE OF DISPUTE. I AM DISPUTING THE COMPLETENESS AND ACCURACY OF THE INFORMATION THAT HAS BEEN FURNISHED TO MY CONSUMER REPORT. XXXX XXXX XXXX. THE SEQUENCE OF LATE PAYMENTS THAT WAS FURNISHED IS INACCURATE. THIS IS A CLEAR VIOLATION OF THE FCRA AND THIS VIOLATION IS PREVENTING FOR FROM EXTENDING MY CREDIT FOR MY PERSONAL, FAMILY AND HOUSEHOLD PURPOSES.

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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 deleted 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

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 2023-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My daughter is on my account, and she was contacted by someone claiming to be with Bank of America, where I have my account with. They claimed someone was trying to access our account and take {$3500.00} in another state, so they asked for account information so they could stop this from occurring. My daughter gave the information and they ended up taking {$7000.00} from my account. I attempted to get the fraud department to help me recover my funds, but they said they couldnt help me. It is a lot of money to get scammed out of, so Im looking for help

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 2022-03-31
Company: Accounts Receivables, Inc. (FL)
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Formal Complaint I RENTED A CAR FROM THIS RENT A CAR FROM XXXX XXXX, DBA. THE COMPANY RENTED ME A VEHICLE MONTH BY MONTH WITH UNLIMITED MILES THEN WHEN THE MONTH BY MONTH IS UP, I RETURN THE VEHICLE, I RENTED ANOTHER VEHILCE FROM THEM MONTH TO MONTH IN REFERENCE TO PUTHASE THE VEHICLE. COMPANY CHANGE THEIR POLICY WITHOUT NOTICE AND FORCE OUT THE VEHICLE AFTER I DRIVIEN XXXX MILES BREACHING THEIR OWN CONTRACT. THEN TURN AROUND AND SUE ME FOR MILES OVERAGE ON A RENTAL CAR THAT HAS UNLIMITED MILES. THEY HIRED A DEBT COLLECTIOIN COMPANY TO COLLECT ON A BREACHED CONTRACT THE ATTORNEY WHO NOTIFYING THE WRONG ADDRESS OR NOT CONTACTING ABOUT A LAW SUIT. COMPANY HAS SENDING INFORMATION TO AN ADDRESS I DONT LIVE AT SO I CAN LOSE THE CASE. ALSO, THEY PLACED A XXXX HOLD ON MY BANK ACCOUNT FOR {$12000.00} AND TOOK MY TAXES IN THE AMOUNT OF {$6700.00} PUTTING MY FAMILY IN A POSITION OF GETTING EVICTED OUT OF APARTMENT. IT'S SO EMOTIONAL DISTRESS AND I AM ASKING IF YOU CAN HAVE STOP THIS FRAUD DEBT PRACTICE IN THIS PENDEMIC.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2020-07-31
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
In XX/XX/XXXX I was contacted by XXXX XXXX ( XXXX XXXX ) a XXXX based entrepreneur to invest in bitcoin mining. After exchanging with him for over 2 months I started investing first XXXX euros by XX/XX/XXXX. For a total period of 8 months, XXXX XXXX along with his accomplices and XXXX have successfully extorted over XXXX euros from me. I was given countless excuses, false and very believable references, made-up social profiles, false numbers. I was given deadlines to pay fees in order to be able to retrieve my earnings and made to pay daily fees ranging from {$200.00} to {$1000.00} until I successfully executed the payment. Payments were mandatorily sent to the scammers in the form of bitcoin which means I had to withdraw the cash from the consistently, use a bitcoin atm in XXXX that allowed significant sums to be sent. I had to live by every single day borrowing money from my family, friends, finding lenders to be able to pay for the daily fees, and penalties the scammers were giving me. I was unable to travel back home for XXXX having to find a way to come up with XXXX euros during XXXX and XXXX XXXX ( as they also charged me fees on those holidays ). I spent 8 months waking up knowing each day would cost me {$500.00}, {$200.00}, {$1000.00}. I was unable to follow through on my work and had to take a step back for these 8 months, focused on getting my earnings back. I withdrew significant amounts of cash from the XXXX XXXX in gent and never once was I asked why I was doing so or why was I continuously withdrawing such amounts. I have been unable to pay my taxes, sustain myself, and had to start my business all over again since this XX/XX/XXXX when I finally came to the realization that this was indeed a scam. The damages were not just financial and now criminal as I cant even pay what I owe to the Belgian government in terms of taxes, they were emotional and physical ; enduring 8 months of constant stress that could have been prevented had the financial entities responsible to audit and control the circulations on money asked me why I was taking and needing so much cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Self Financial Inc.
State: AL
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:
Im accordance with the fair credit, reporting act XXXX  SELF FINANCIAL Account # XXXX  has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnace account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open in consumer credit, plant escalate for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: AFNI INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with Afni Inc. # XXXX, I do not have a contract with Afni Inc., they did not provide me with the original contract as I requested. I have sent two debt validations letters to Afni Inc . The first letter XX/XX/2023 and a second letter XX/XX/2023. XXXX XXXX XXXX XXXX # XXXX, is also attempting to collect on this same account. XXXX XXXX XXXX XXXX did not complete the debt validation letters, but instead I received a Fraud Packet today XX/XX/2023 dated XX/XX/2023. XXXX XXXX # XXXX is also attempting to collect on this same account as well. I sent them two debt validations letters. XXXX XXXX XXXX XXXXXXXX has not responded either. I have attached all correspondences regarding this XXXX account ( which includes Afni Inc., XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Credit Bureau of the South, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company has continued to ignore my requests for verification and validation of this erroneous debt claim. I've never had an account nor have i ever opened an account with the city of XXXX. They refuse to provide an address of the alleged utilities and continue to harm my credit profile. The statutes of limitations in my state of Louisiana has expired for collection of this false debt, but this company continues to try to collect with threats and other illegal tactics.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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