BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-28
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: Their investigation did not fix an error on your report

Complaint:
Equifax : following items disputed XXXX XXXX no independent investigation was done. No proof of contract with my signature on it. XXXX XXXX XXXX THERE SHOULD NOT BE ANY LATE PAYMENTS LISTED ON THIS ACCOUNT AFTER THE CLOSE DATE AND YET, I AM STILL SEEING THIS ACCOUNT EACH MONTH. NO CONTRACT WITH MY SIGNATURE ON IT. NO PROOF. XXXX XXXX THIS ACCOUNT MUST HAVE THE CORRECT COURT NAME, LISTED WITH CITY AND STATE. BEING REPORTED INCORRECTLY. MUST BE DELETED PER SAY UNDER THE FAIR CREDIT REPORTING ACT. 

XXXX : XXXX XXXX NO INDEPENDENT INVESTIGATION WAS DONE. NO PROOF ACCOUNT BELONG TO ME. XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) ORIGINAL CREDITOR REMOVED THIS ACCOUNT DUE TO THE FACT XXXX COULDNT VERIFY UNDER SECTION XXXX. XXXX XXXX XXXX THERE SHOULD NOT BE ANY LATE PAYMENTS LISTED ON THIS ACCOUNT WITH THE PAST DUE BALANCE. THIS IS A COLLECTION AND VIOLATION PER FDCPA. XXXX XXXX XXXX MULTIPLE DATES LISTED UNDER THE DATE OF LAST ACTIVITY. NO VERIFICATION AND VIOLATION. XXXX THIS ACCOUNT DOES NOT SUPPLY CORRECT CITY AND STATE AND NAME OF COURT. INACCURATE. MUST BE DELETED FROM FILE. 

XXXX : XXXX : XXXX XXXX NO INDEPENDENT INVESTIGATION WAS DONE. NO PROOF ACCOUNT BELONG TO ME. XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) ORIGINAL CREDITOR REMOVED THIS ACCOUNT DUE TO THE FACT XXXX COULDNT VERIFY UNDER SECTION XXXX. XXXX XXXX XXXX THERE SHOULD NOT BE ANY LATE PAYMENTS LISTED ON THIS ACCOUNT WITH THE PAST DUE BALANCE. THIS IS A COLLECTION AND VIOLATION PER FDCPA. XXXX XXXX XXXX MULTIPLE DATES LISTED UNDER THE DATE OF LAST ACTIVITY. NO VERIFICATION AND VIOLATION. XXXX THIS ACCOUNT DOES NOT SUPPLY CORRECT CITY AND STATE AND NAME OF COURT. INACCURATE. MUST BE DELETED FROM FILE. 

All these accounts I have disputed with all the credit reporting agencies. They have not prove 100 percent that these accounts are true and belong on my credit file. Every time i send letters all each credit bureau does is send me a computerized letter saying verified. I am requesting that all inaccurate items be removed. This is affecting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15
Company: American First Finance, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XX/XX/2021 I purchased a new but damaged refrigerator and a gas stove from XXXX XXXX. I opted for the " 90 same as cash '' program with American First Finance. When the first 30 day payment came through I realized that there was a service agreement in the package that I was originally quoted as {$100.00} for a 5 year plan, is now charging me $ 74/month for the next 24 months. I called and said I did not want that plan. I was told that I had to go back to the store to have it removed. I went to the store to explain the situation and I was told that I had to call the company that supplies the warrantee because they do not. So I called the company and explained. I was told that the service agreement was removed and I would get a refund to pay American First Finance back the money. I waited in doubt. On XX/XX/2021 I still did not get a refund. I went back to the store and called American First Finance so that we could all be on conference. 
I was told the same information as before. I told them I wanted to pay the appliances off and I feel like I am being punished because they are reporting to my credit something that I do not have. I was told that they would give me an additional 30 days but that I still needed to make the monthly payment with the incorrect amount. I called the service agreement company and was told that they processed the refund wrong and that they would reprocess the refund. I called American First Finance to ask if I could please pay off the appliances and wait until I got the refund from the service agreement company. Again I was not allowed and I was told that someone from the special team would call to assist. Currently this is affecting my credit and my ability to purchase my home. I need help getting this resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have made several attempts with XXXX, TransUnion and XXXX to remove the inaccurate personal information from my consumer report, but they keep reporting this on my consumer report. I have sent them certified letters for over 5 months and they are ignoring my efforts and this is unfair, illegal per the FCRA ( 15 U.S. Code 1681i - Procedure in case of disputed accuracy ) and IS VERY frustrating. The only personal information that should be reporting as accurate on my consumer report is as follows : NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX MY DATE OF BIRTH IS : XX/XX/1991 I have informed them of this along with my identification card, current utility bills as well, and I have also let them know anything else that they are reporting is incorrect and to please remove it from my consumer report. If you need any type of documentation, I will be happy to provide it for 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 non-monetary relief
Consumer complaint received 2021-03-11
Company: FISERV INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My name is XXXX XXXX XXXX, I have been an account holder with Money Network financial LLC/First Data for about 6 years. I've never had issue up until recently. My account was hacked and I have no doubt my card was cloned and pin number stolen as I was a victim of fraud/theft, the perpetrator ( s ) stole {$480.00} from my account on XX/XX/XXXX of this year, I alerted money network on the same day of the theft, my account was frozen and issued a new card immediately. I was told it would take about 45 days for their investigation but that I should receive a provisional refund to my account within 10 business days of the reported theft which never happened. The next day I filed a police report and received a case number a few days later and the investigation is ongoing from what I can tell as I have not been contacted yet by investigators despite my unsuccessful attempts at reaching them. Further, at the end of XXXX I was sent a vague letter by money network stating that my their investigation was complete and closed and that I would not be refunded. When I contacted them, they had no explanation to give me other than that I had a right to appeal their decision and that it would take 45 to 90 days for my appeal to have a final decision. I have vehemently denied that I had committed fraud on my end and reiterated to them in my appeal that there was still an active police investigation and supplied them once more with the case number and my whereabouts at the exact time the money was stolen. They have given me the run around multiple times when I ask for a detailed explanation of their initial findings and I have submitted in writing pursuant to their policy and still nothing. It's now 2 full months since the theft occurred and Im being placated with the same old bureaucracy about their investigation needing to be complete in the 45 to 90 days of my appeal and them claiming to have sent it out and if I haven't gotten it I should contact their appeals division ( to which one operator told me there was no way for me to contact them directly ). I've had enough, this company appears to be as shady as they come and they themselves should be investigated for the lies and fraud they are perpetrating!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
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.

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 2021-11-15
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: Old information reappears or never goes away

Complaint:
Experian will not delete the 5 XXXX from my credit report, despite the letter provided by the US Department of Education stating that they should be deleted from my credit report. The 5 student loans were transferred from XXXX to XXXX XXXX XXXX where they were rehabilitated. Upon rehabilitation any negative reporting was supposed to have been deleted from my Experian credit report. Experian has not done this. The other 2 credit bureaus already deleted this from my credit report. The 5 student loans consolidated and paid in full through XXXX XXXX XXXX XXXX. Experian needs to delete these 5 XXXX student loans from my credit report. They were not even showing on Experian until about 2 weeks ago when they randomly popped up.

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 2021-11-15
Company: BMW Financial Services NA, LLC
State: CT
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: Problem with personal statement of dispute

Complaint:
I currently have 2 other lease accounts with BMW Financial, that are on automatic withdrawal for payments. Both current and up to date accounts, are up for auto lease returns and I fully intend to replace them with 2 brand new auto leases. I have been a loyal and upstanding customer for years. 
The above disputed account was a lease return that had a mileage balance. BMW gave me 365 days to pay this account in full, since this was during Covid. I humbly accepted the opportunity. In XX/XX/XXXX, I made a second last payment through my BMW financial services online portal, in the amount of {$490.00}. The last payment of {$500.00} was called in and was scheduled to be processed on XX/XX/XXXX.Why this could not be entered in auto pay is shocking. BMW did not process this payment request and I did not notice it was not processed since I have never had this problem. I assumed BMW would process the payment since it was scheduled. I have no Idea what went wrong when I followed all the necessary steps. I was given no notice via mail - email or courtesy call that it was going to collections. This has significantly affected my credit! It went down 125 points from having a 773, I now have a XXXX. PLEASE remove the delinquent credit report immediately, as I in good faith scheduled the payment with your representative on the phone but it was not processed for unknown reasons BUT I promptly made full payment when I noticed it on my credit report today. The account balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Experian Information Solutions Inc.
State: AR
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for. I asked him what was the problem with my credit and he showed me my report. There are many derogatory items that do not belong to me. Please delete these items. 

XXXX XXXX  XXXX {$520.00} XXXX  XXXX  XXXX {$150.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX  XXXX {$120.00} XXXX XXXX  XXXX {$240.00}

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 2017-12-27
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Hi, I have initiated a wire withdrawal request on XXXX XXXX and the site as promised estimated that the day of deposit will be on XXXX XXXX Then later the site has updated that the delay can be expected up to 5 Business Days and my request has crossed the 5 Business Days I tried emaile the Coinbase Team 3 times but had no response, then I tried to call them up three times and each time I waited for 1 hr with no response I am having a personal emergency and I am worried that I am being cheated by the Coinbase team

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
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 information incorrect

Complaint:
Upon checking my credit report for the first time in years, I noticed I have a collection. I have no knowledge of this account. I am demanding the removal of the collection as well as everything else attached to the account that is negatively impacting my score from all three major credit reporting agencies, XXXX, Experian, and XXXX. I would also like to note that regardless of the validity of the debt, The collection agency is breaking H.I.P.P.A. laws by sharing medical information. Here is Subsection ( d ) ( 3 ) From the revised 2018 Fair Credit Reporting Act.

Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 604 ( g ) ( 3 ), the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX XXXX ) # XXXX, has violated my rights.

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

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 2021-05-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have been disputing this debt since 2019. I have contacted the collections agency and as others debt was paid prior to it being sent or sold to their agency and that they should contact the leasing office to validate payment. XXXX XXXX refused and continued to informs me via by phone that the {$1000.00} debt was still owed. I have disputed this matter by mail email and online with return collections notices and false validated correspondence. This active collections has cost me job opportunities, missed work opportunities to relocate due to not being able to secure an apartment due to not only the collections being open and active but also showing an outstanding balance for rental. I have been denied for multiple apartments, townhomes and condos due to this erroneous report to both my credit profile and rental history. Ive also been forced to pay an influx of non refundable security deposits due to this reporting by XXXX XXXX. Ive lost reputations faced humiliation and judgment. The attached information you will see the most recent collections notice following numerous pages of false validation. Also attached is a letter from the initial debtor that the {$4300.00} was paid in full days before being sent to XXXX XXXX. Also fact, XXXX XXXX never provided me with a letter 5 days prior to reporting this erroneous information to my credit profile. Had they complied by law and sent me a 5 day notice I would have provided the inclosed proof that this matter was satisfied in full. XXXX XXXX is in full violation of my rights as a consumer under the law section 15 U.S. Code 1692e. Verbal communication XXXX XXXX has use many stall tactics and numerous threatening claims of legal action against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12
Company: EQUIFAX, INC.
State: NJ
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:
There is a account on my credit report from XXXX XXXX that I do not recognize your firm has violated the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
. Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, Equifax XXXX XXXX As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life. 
I am now demanding the immediate and complete removal of this account from my credit reports XXXX, Equifax XXXX XXXX ). 
As I am currently attempting to apply for credit, time is of the essence. Please understand that I am

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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:
This is my second 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 XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXXXXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3800.00} US DEPT ED XXXX Balance : {$540.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance : {$4900.00} US DEPT ED XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance : {$4900.00} US DEPT ED XXXX Balance : {$6000.00} US DEPT ED XXXX Balance : {$5000.00} XXXX XX/XX/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