BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account XXXX XXXX XXXX Account Number : XXXX Account namXXXX XXXX Account Number : XXXX Account XXXX XXXX Account Number : XXXX Account namDEPTEDXXXX  Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX  Account Number : XXXX Account namDEPTEDXXXX  Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namXXXX XXXX Account Number : XXXX Account namXXXX XXXX Account Number : XXXX Account namXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-04-09
Company: EQUIFAX, INC.
State: TN
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:
1 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
2 ) In accordance with the fair credit reporting act XXXX XXXX  XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: OH
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 wrote letters to the credit bureaus and the following companies listed below about unauthorized inquiries on my credit file. I did not receive a response from the companies listed below and the credit bureaus didn't give me correct information with the companies authorization to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: GA
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 reviewed my Consumer Reports and noticed I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be. 

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 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX section XXXX : states I have the right to privacy. 
15 USC1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX { acct XXXX } XXXX XXXX XXXX ( acct XXXX ) XXXX casually ( acct XXXX ) XXXX XXXX ( acct XXXX ) XXXX  XXXX ( acct XXXX ) XXXX XXXX XXXX ( acct 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 2017-01-30
Company: LoanCare, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The company LoanCare LLC failed to pay my property taxes in a timely manner.

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 2015-11-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My home is currently in active foreclosure, I fell behind 2 years ago XX/XX/2013 due to loss of income from employment. I have now submitted over 10 applications requesting assistance with modification of my loan and I always receive the same response " incomplete application '' I 've made contact over the phone with there representatives and never receive the assistance that I need I 'm always been told of additional info that is needed and when I send it and follow up on it. I get told by someone else a different story, the biggest problem is not having a point of contact to be able to assist me with what info is needed and receiving a follow up or confirmation that all is in process. I want nothing more than to be able to save my home for my family and I. But I save been dealing with this for almost 2 years and not getting anywhere I feel that my Mortgage company continues to give me the run around to eventually evict me. I ask that you please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Coinbase, Inc.
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XXXX I sent {$2300.00} worth of XXXX XXXX from my XXXX XXXX to my Coinbase account. The transaction showed that it was successful but I never got access to the XXXX in my Coinbase account. I later found out that Coinbase does not suppport XXXX so I would never get access to the roughly XXXX XXXXXXXX that I sent. This did not make sense to me since the Transaction said it was successful. By working with XXXX support I learned that I had sent the XXXX to a private Coinbase wallet that had private keys that only Coinbase has access to. XXXX instructed me to ask Coinbase to simply send the XXXX back to me at my XXXX address ( the source address for the transaction ) since Coinbase does not support that type of XXXX XXXX. Coinbase flatly refuses to help me and they keep acting like the money is just gone. Well the money had to go somewhere and I want it back. I know that happens to other customers they serve because I have seen similar complaints on the web. Why was the transaction successfull if Coinbase does not support it? I still have access to the Coinbase address I sent the XXXX to. If I do subsequent transactions to that address will it over write the transaction I did by mistake and I will loose access to that money forever? Coinbase will not answer these questions they just keep saying they don't support XXXX and I should be more careful about what I send them next time. The XXXX  ID ( transaction ID ) is : XXXX The Coinbase case ID was XXXX. The XXXX case ID was XXXX. I am still learning how to work with XXXX XXXX. I have done other transactions that were not correct and the transaction fails ( as it should ). I am simply asking Coinbase to send my XXXX back to me at my XXXX account if they can't process it internally. They need to send my case to a server expert instead of their law department.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2019-03-08
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I ordered several items from XXXX 's XXXX using my Synchrony Bank card. This order was broken into 3 shipments. On XX/XX/XXXX, one of the shipments was damaged in transit & returned to shipper. I called XXXX 's XXXX on XX/XX/XXXX to cancel it, since there was no indication of a new shipment. They told me their system would not allow me to cancel, & I told them I would refuse it unless it arrived in a few days. On XX/XX/XXXX, I called Synchrony at XXXX to dispute the total of {$57.00}. And, they opened an investigation. A letter dated XX/XX/XXXX arrived stating that all items were delivered, so I would have to pay. Two of the shipments did arrive, but the 3rd one ( for {$57.00} ) was delivered to somewhere in Texas. They sent me the XXXX printouts of all three shipments which clearly showed one delivered to Texas. The letter gave a phone number to call ( XXXX ) if I still wanted to dispute charges. You get a recording and can only leave your name & number. They promise to call back in 2 days. I called 4 times over a 2 week period. No one ever called back. I had also replied to their email asking if was satisfied, saying I was NOT. They did not respond. On XX/XX/XXXX, I called XXXX again. I told them I wanted the {$57.00} refunded plus finance charges on that amount. They told me they could not give me finance charges, but would refund the {$57.00}. I agreed, reluctantly. Later that day, I received an email stating that they would refund {$21.00}. They also requested that I return the items. I DON'T have the items. I simply can't deal with them anymore. While I did pay my last bill 2 days late, I paid all but the {$57.00}. Now, I want the entire refund - including finance charges. In all, I placed 7 phone calls to resolve this. Besides being inept, giving the phone number in the letter is a deceptive business practice which I believe is just meant to discourage any further action. I have recordings of all my calls, but not sure how to send them. It is so frustrating that they don't read their own documentation, that they won't refund finance charges, & that they use a bogus phone number for customers to call. This is unacceptable.

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 monetary relief
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
My children and I visited XXXX is located in XXXX to unlock credit file and to recieve credit report as customer relation team advised me to submit XXXX failed to provide credit report and credit score. 
Attached files visiting XXXX and submitted in person, staff of XXXX scanned documents. 

Let me get my credit report and score ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from the proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
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 belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS 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 2022-03-28
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX XXXX and XXXX and XXXX XXXXXXXXand she was very rude she called me a XXXX on XX/XX/2022 this is very absusive she needs to be firedis very abusive to me and made me cry they dont understand how they are casuing extreme XXXX i never knew XXXX allows this typre of behavior she doesnt even recingized i spoke to her a week ago and you XXXXn doesnt do there job what so ever and i spoke to another rept XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have tone negative item negative credit items outstanding negative inquiries now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 49 times. XXXX is an abusive company they ignore me and wont help. They are supposed to be protecting consumers and abusing consumers. They need to be reigned in. they are causing me severe XXXX and now my credit isnt reporting correctly stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.i even provided a tracking number XXXX proving that they recieved the document to remove these items and nothing still hasnt. been done its been more then 60 days i need help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I mailed letters to every collection agency on my credit report. I had insurance and am being charged for medical expenses. I tried to call and fix the issue, I mailed letters. When I go to dispute every one on XXXX it doesnt allow me to go through because it says I answered the security questions wrong. They are questions like who did I open a car loan with in XX/XX/XXXX and what bank account did I open in XX/XX/XXXX and I dont know if someone is using my name, but I answered all of the questions right and it said my answers dont match their records. This is crazy. I am XXXX years old and XXXX and trying to clear up these crazy and unknown debts and collections and I cant even go through with it. Please someone help 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 explanation
Consumer complaint received 2021-06-08
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
A {$2600.00} overpayment has not been refunded. Account shows {$0.00} balance. I have a cancelled check from XXXX that shows Huntington National Bank deposited it. I talked to a customer service representative on XX/XX/XXXX, XXXX, and XX/XX/XXXX. The first representative in XXXX said if it wasn't on the account then it wasn't deposited. I asked my auto dealer if they sent a check for the refund and they said they sent the check on my behalf and gave me a PDF of the cancelled check. I called Huntington back on XX/XX/XXXX with the PDF of the cancelled check and a loan representative was able to verify it was deposited. She said she would send a refund in 5 days. After waiting until XX/XX/XXXX, I called back and talked to another representative of Huntington and he said he would send another check for the refund due. I still have not received the refund on the XXXX of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-24
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credit Acceptance account XXXX, have reported in my credit that i voluntary repo, i didnt my estranged husband jump on me and took my car in XX/XX/XXXX and i havent seen it since, ( call police and they told me it was his property as well even though he wasnt on the loan ) until one day he call and curse me out saying haha i turn ur car in, but when i call credit acceptance i was told that they didnt have my car and that i need to file a report, so a few days later the police confirmed that it was a voluntary repo, but wasnt by me about that time i finally got the company to admit they had it, it was sold and never was given any info how much it was sold for until seen on my credit, they havent reported since XX/XX/XXXX, this is and repo on my credit that could have been avoided if they wouldve admitted they had my car and i paid to get it out, but they didnt, now this bad Mark on my credit they just have here no updating just there, i tried to reach out to them plenty times with no help this is unprofessional and really dont care now since it been almost 5 years they lied to me that they didnt pick up my car i never volunteer them to do that as they report on my credit .. please 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 2023-05-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I kindly request that you update my account and remove the inaccurate late payment. This issue is causing me a great deal of anxiety as I have always made my payments on time. It is affecting my ability to sleep at night. I want to reiterate that I have never missed paying this account.

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