BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
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 is missing that should be on the report

Complaint:
On the last credit report ( which I have attached as an attachment ) which was sent to me it says that the XXXX XXXX XXXXXXXX account will be deleted 7 years from the date of last activity but on the credit report the date of last activity is missing. So, it can not be truly know when this account should be deleted as information is missing. The Fair credit reporting Act ( which I have attached a copy of ) said that if information on a credit report is incomplete, in accurate or unverifiable then such an account should be deleted from the persons credit report. This account is incomplete as it is missing crucial information and lacks the date of last activity. This date is crucial in determining when the account should fall off the credit report. 
Kindly delete XXXX XXXXXXXX XXXX from my credit report as it is incomplete. The date of last activity is the date that the last payment was made before the account alledgedly went into a charged off status. Additional violations are noted in the letter which I have attached. These violations are noted in the letter and highlighted on the copy of the Fair Credit Reporting Act which I have submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, 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:
XXXX XXXX reached out to me directly via telephone Employee : XXXX XXXX XXXX to inform me that she CAN NOT in fact verify the debt I allegedly owe because the School in in question has since closed. That the school closed because of unethical business practices. XXXX XXXX has NO proof that I attended this school, no signatures from me showing proof, and no way to verify this debt. 

I sent XXXX XXXX an Affidavit of Facts letter ( attached ) and there was no response to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had an auto loan with XXXX XXXX XXXX. I made a payment late and the company reported it to the three major credit reporting agencies. I paid off the loan several years ago, but the negative items continue to be reported to the credit agencies with no date of removal listed. I believe the negative item should have been removed from my credit reports by now. 

I have tried to resolve this problem with XXXX XXXX XXXX directly however the company ignored my request.

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 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 submitting this complaint because I am scheduled to update my credit reports within the next 15 days. I am keen to ensure that the following inquiries have been expunged from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **********TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is imperative to reiterate, in accordance with FCRA Section 605b, Credit Reporting Agencies are mandated to remove any items listed on an identity theft report. For your reference, I am re-attaching my FTC report with the reference number # XXXX. Furthermore, the Fair Credit Reporting Act stipulates that Credit Reporting Agencies must remove any items in the consumer 's file identified by the consumer as information resulting from an alleged identity theft within four business days of receipt.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
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. 

I told XXXX and Transunion to update my person information and to reinvestigate these accounts and inquiries listed below, however, they stated everything was complete and accurate. How is that possible is the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that isn't reporting correctly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 U.S.C 1681 Section 602 A : States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681b - Permissible purposes of consumer reports.

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.

Also they aren't in compliance with Metro 2 credit reporting. I have evidence to prove my case.

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 2022-05-31
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, has viol ated my rights. 


15 U.S.C 1681 section602 A. States i have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX my XXXXoinbase account was taken over. I notified Coinbase and they have been vague and non compliant regarding my Coinbase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Equifax, nothing has changed! So once again, I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I paid for an American Express Pre-paid Gift cards on or about XX/XX/2021, in the value of {$75.00}. The had charges on it before I even received the card in the mail. I attempted to communicate with American Express to advise that they needed to send a replacement card. Amex said that they disclaimed all liability! In fact, I could not even speak with anyone about the card. I emailed the CEO of AMEX and a representative wrote me an email and said there was nothing MEX would do for selling me a pre-paid gift card of {$75.00} with a balance of XXXX on it when I received it. For more than one year, I have been attempting to communicate with the Executive Office of American Express about this issue. I have been told that AMEX will not assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
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:
two student loans are reporting under my name, please have these inaccuracies removed from my credit file, i have problem with equifax reporting two inaccurate and fraud student loans reporting under my name, i have dispute several times and so far nothing has happened, please have these inaccuracies removed, i have attached my police report to equifax as well and to you, these do not belong to me, please have these inaccuracies removed thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: National Credit Systems,Inc.
State: MI
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 have a duplicate reporting on my credit that I tried to dispute from the same company and its hurting my credit. The creditor is XXXX  I for the amount of XXXX and one is dated XX/XX/XXXX and the other is dated XX/XX/XXXX. It was sent to collections XXXX XXXX and XX/XX/XXXX for the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Credit Corp Solutions Inc.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of 2019 a credit card with XXXX ( XXXX ) was opened in my name. This was disputed with all XXXX credit bureaus as fraud and it was removed from my credit report. I have proof of this. Just yesterday, I received a letter from Credit Corp Solutions ( a debt collector ) trying to collect on this fraud account. I would to file a complaint and pursue legal action again this company. 

I have spoken to my attorney and legal action will be started if I do not receive compensation within 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I did two modifications one in XXXX with XXXX XXXX and another with M & T bank in XXXX. M & T bank claims that they made me aware of a second lien on my property over the phone. I alleging that that conversation never took place, moreover I'm under the assumption that no oral agreements exist. M & T Bank sent me the XXXX modification documentation with XXXX XXXX which shows a second lien that I did sign for, However the XXXX modification failed to inform me of a second lien ; I was lead to believe the modification I signed in XXXX with M & T Bank was for my total loan amount of {$100000.00}. I'm charging M & T Bank with failing to disclose full details of my loan and making me believe I only owed the amount I signed for in the XXXX modification with M & T Bank. I don't understand why the XXXX modification with XXXX XXXX has any effect on a different and separate modification with a different entity being M & T Bank in 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 2023-08-24
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Transunion, nothing has changed! So once again, I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

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 2019-11-02
Company: Neighborhood Assistance Corporation of America ("NACA")
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was a member of Section 8 Voucher beneficiary under the County of XXXX XXXX in XXXX, California and also enrolled in one of their other program called FSS ( Family Sufficiency Program ). One of the goal of the program is to help members to become self sufficient again by obtaining a stable job and obtaining a decent house and be out of other Government programs and benefits. The program also requires member to get Financial and Credit Counselling in preparation for First Time Home Purchase. Last XX/XX/2019 I attended the Counselling/Orientation for First Time Homebuyer Program of NACA ( Neighborhood Assistance Corporation of America ) held in XXXX XXXX XXXX XXXX, XXXX XXXX, CA. and I was registered as a prospect member with NACA ID # XXXX and was assigned to counsellor named XXXX XXXX, which I never neither met or have conversation. I filled up all the necessary forms of information and requirements about my case and housing situations. Since then, I have been in contact in them through emails and phone calls. I have gathered all my papers and documents ( Letter of Verification of Housing Assistance from Housing Assistance Office, Employment Verification, Pay Stubs, Bank Statement, Proof of Identity, Drivers License, Social Security and other Personal Information ). Last XX/XX/2019, NACA had its BIG EVENT held in XXXX XXXX XXXX XXXX, XXXX XXXX, CA. I attended the finalize my first time Home Buying goal and to submit other requirements and meet a Counsellor. They had me log in the computer to finish my membership requirements through the members portal. Then had me sit and wait to meet a counsellor, the called me after more than an hour and took all my documents and information including Bank Account Number and Routing Number. But after sitting for an hour with her and providing everything, another Counsellor who just happened to walk in her desk just said my application is not going through because the program was SUSPENDED. And had me just walk away and leave the event. The counsellor just simply told me, GOOD LUCK AND KEEP IN TOUCH!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023 at around XXXX I had the intentions of sending money thru Zelle from the XXXX XXXX XXXX App to a family member. It was a large sum of money ( {$3500.00} ) for a funeral. After I had confirmed the amount and who I wanted to send it to it went thru right away. I than right after checked with the family member to see if they have received the money. They had not, and after a minute goes by I go to my email to make sure it went to the family member, well the name matched so did the phone number except for the last two digits. I began to panic and tries to reach the unknown person I had sent it to. After several attempts they finally pick up and I begged them to send me the money back and he claim he never received the money and to not call them again and hung up. I was devastated, but I called Zelle services immediately after in hopes that something would be done. After I summited a dispute with Zelle and than filing a claim with XXXX XXXX XXXX after all that they said nothing could be done. Im devasted that {$3500.00} worth of money went to a complete stranger when it was meant for a family members funeral. It was all the money I had saved and the bank claims they did everything they could to contact the thief that wont return my money. Im never using Zelle services again and letting the people I know the lack of help Zelle and XXXX XXXX XXXX  were to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In early XX/XX/2019 my daughter visited The XXXX XXXX in XXXX, VA ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX ) for an appointment. 

The XXXX XXXX had recently changed head providers and therefore, tax ID numbers, and so my insurance ( XXXX XXXX XXXX ) did not cover the appointment. 

Several months later I began receiving bills from Transworld Systems , Inc. Collection Agency ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX ) for the amount of {$270.00} for the appointment. 

After conferring with my insurance and verifying that they would not cover the cost, I sent the XXXX XXXX a check for {$270.00} through my bank, XXXX XXXX, which was cashed on XX/XX/2019 ( see attached .pdf titled " XXXX XXXX '' for proof showing the image of the cashed check ). 

I continued to receive notices for debt collection for the {$270.00} from Transworld Systems despite paying the amount. 

In early XXXX I went to The XXXX XXXX and spoke to the billing department, informing them of the issue and providing a printout of the proof that the check had been cashed ( same as the attached .pdf, " XXXX XXXX '' ) along with communications from Transworld and from their billing department to copy and inform the involved parties. 

I continue to receive debt collection notices from Transworld despite paying the amount, with the most recent, printed XX/XX/2019, arriving today ( XX/XX/2019 - see attached document " Transworld Letter '' ).

Company response to consumer: Closed with explanation