BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801.

Under the Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) All credit bureaus are in violation of both laws by reporting education records on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
i have tried to contact these people for over week, and never could speak with anyone. 

i filed complaint the other with you'll and within a few hours someone cll and left me a message to call but of course it was after closing!!! 

i called today and spoke with someone and said i hadn't sent in the information they needed i said yes i had and gave here the dates and time i had. then she said oh let me check then came back and said we don't recognize that bank i said what do you mean, she said that they are not a real bank they don't have a brick and mortar store i said what do you mean the federal government recognizes them that where my Social Security goes and my pension and then hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX A XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : ) XXXX Balance : {$1600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have two inaccuracies on my credit on two different reporting bureaus. Transunion is showing this account as 30 days late in XXXX, while XXXX  is showing the account as open. XXXX is the only one who has the reporting right. I have disputed this info with all three bureaus multiple times each. I have even complained here but I keep getting the run around on who's responsible for the correct info. XXXX XXXX has responded on here that i was never late and the account is closed, but when I talked to The executive account supervisor XXXX today, she said she couldn't do anything and that if i felt targeted, I should follow up with CFPB. I believe I am being targeted and retaliated against for my multiple disputes.

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 2023-04-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: ACIMA CREDIT, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, My husband I were shopping for new kitchen appliances. We ended up going to a warehouse where they sold appliances that had dents or scratches and would be sold to us at a discount. We found appliances we liked, filled out their " questionnaire '' for the line of credit and was approved. I was given a {$5000.00} line of credit based on my income ; whereas my credit would not be pulled or affected. My checking account information was given whereas my payment would come out every 2 weeks when I was paid. I spent {$4100.00} and agreed to pay {$340.00} every 2 weeks until it was paid off. 

On XX/XX/XXXX, I logged into my account ( for what I believe was the first time ) since I knew the loan was close to being paid off. Expecting only 1 or 2 payments left - I nearly had a heart attack when I saw I still owed more XXXX XXXX+tax!!! 

After digging deeper into the contract, I saw this was apparently a " 1-yr lease '' or " rent to buy '' which I was NOT AWARE OF. When I applied for the line of credit, and chose what to purchase, I was told what my payments would be, and when they would come out of my checking account ... THAT'S ALL! I did not know this is what I was signing up for. Furthermore, when I signed ( on the employees computer ) and made my {$50.00} deposit, I was not even given any disclosures or the contract - but instead was told that it would be emailed to me. In hindsight, the employee 's sales practices were aggressive and shady, and the whole process was utterly deceptive. 

On the same day XXXX XX/XX/XXXX XXXX, after finding all this out, I reached out to the creditor to explain the situation and spoke to ( 2 ) different agents and was basically told they couldn't do anything for me. All they offered was the payoff amount XXXX $ XXXX+tax XXXX at a 55 % discounted rate. 

I will disclose, the employee of the facility did mention trying to pay this off by XX/XX/XXXX for interest free - but that was all he said. I HAD NO IDEA this was a 1 year " rent '' obligation. I feel stupid and I feel cheated, and this is exactly why TILA was put into effect. 

I would like to pay off the loan - but I refuse to pay what they are offering seeing as it's completely unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. 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 2023-10-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$14000.00}

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 2021-10-18
Company: CITIBANK, N.A.
State: NJ
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:
About a little over XXXX year I went to my bank ( Citibank ) to do a regular transaction with them while being there they offered me a Credit Card to help build my credit since I didn't have one. I asked that if I could move a balance from another account to this card and they said that it was not a problem. When they offered me that card and that in was interest-free for as long as I paid my balance on time each month. So I received my card, and started paying the balance each month on time to avoid this. To make things a lot easier on me, I decided to enroll on autopay to so I wouldn't forget each payment. For months I saw that the payments was going thru w/o a problem. A few months ago I started noticing that my balance was NOT going down despite the fact that I was paying the minimum amount which was anywhere between $ XXXX to get this balance down faster. Well it turns out that despite me being responsible for this long the bank was charging my a " interest fee '' for having the card and I was never told this. I found out when I checked online that they were charging me around $ XXXX dollars each month for this " interest fee '' even though I had already paid on time every single time. I called the bank and they said that it was an interest for having a debt with the bank which it was NEVER explained to me. Had I known that I would have never agreed to this. I asked their representative since when they have been charging me for this and he said that since late XXXX. I was floored, no wonder my debt never went down even though I was paying responsibly each month around {$90.00} dollars. To me this is completely illegal, I was never informed about this by the bank nor I received a letter or email regarding this. I asked the bank to reimburse me all that money and they put me on hold a few times but the phone call never went thru. So I feel like they are not taking responsibility for this. I would have paid that card basically in full if they didn't charged me all those outrageous fees for so long. Here I am paying on time, being a good citizen, not missing a single monthly payment so the bank can easily rob my money without my consent. I need to for the bank to reimburse me all that money. I appreciate your help in advance. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$48000.00} XXXX XXXX  XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/21, Coinbase closed my account. It was immediately after I added an additional bank account that I have used in other exchanges without issue from a federal savings bank. Coinbase refused to give me any reasoning for the closure. 

My account is under my email : XXXX When I tried to login through their coinbase.com or the Coinbase XXXX site, both redirected me to a landing page to remove remaining funds from my account. The remaining funds listed were those remaining in my Coinbase account. However, what were missing were the funds that were in my Coinbase XXXX account. 

After repeated phone calls, and opening a support ticket, there have been absolutely no responses. They are holding my funds hostage that were on my Coinbase XXXX  account. Coinbase Case # XXXX submitted XX/XX/21 These missing funds included XXXX DOT that was purchased on Coinbase XXXX, exact details below : Bought XXXX DOT ( XXXX  XXXX  ) at price $ XXXX. Fee {$21.00}. A total of {$4200.00} USD spent on XX/XX/21 XXXX XXXX. 

Additionally, there was a balance of Bitcoin ( approx. XXXX ) and a remaining balance of Ethereum ( approx. XXXX ETH ) that were also not listed in the remaining funds they allowed me to withdraw on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MY NAME IS XXXX XXXX, I JUST FOUND OUT THAT THESE MEDICAL RECORDS ACCOUNTS WAS OPEN UNDER MY NAME THESE ARE FRAUD ACCOUNTS THAT I NEVER USE THIS MEDICAL COMPANY OR FACILITY I NEVER USE I HAVE A XXXX XXXX XXXX XXXX XXXX FOR LOW INCOME FAMILIES I HAVE DISPUTING BOTH IF THESE MEDICAL BILLS THAT WAS OPEN UNDER XXXX PRETENDS FRAUD ACCOUNTS I AM A VICTIM OF IDENTITY THRIFT CRIME VICTIM WHERE MY WALLET ETC WAS TAKING FROM ME BY STATE LAW I AM NOT RESPONSIBLE FOR THESE ACCOUNT ACCOUNTS THAT WAS FALSELY AND FRAUD UNDER MY NAME I HAVE NO KNOWLEDGE OF THESE ACCOUNTS TILL XX/XX/2019 WHEN I WAS Contacted BY XXXX OF THEIR DATA BREACH

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$880.00}, and XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$290.00}.

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 2023-01-10
Company: EQUIFAX, INC.
State: AZ
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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code XXXX civil liability. 
I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 
I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with explanation