BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-18
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$890.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XX/XX/XXXX XXXXXX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my 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
Consumer complaint received 2019-06-06
Company: Experian Information Solutions Inc.
State: OR
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : 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 2021-09-01
Company: Motolease, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Leased a bike from Motolease XXXX of XXXX. Was told would not be on credit and could terminate lease anytime if not satisfied without credit reports. Returned the bike XXXX of XXXX to the dealership/leader. Was told account was closed. I then started getting billed for balance still owed on bike. The account has been reported on my credit every single month since it was returned/repossessed. It is showing up on my credit and behind payments. I have tried to dispute multiple times over the last 2 years. I even called Motolease to get resolved. Last call to Motolease and dispute was today XX/XX/XXXX. This account needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: SYNCHRONY FINANCIAL
State: TX
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 have not received any confirmation on how you have verified the fraudulent alleged inquiries attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts and inquiries on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
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:
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 items ( A ). It is not permissible to fail to validate these reporting items 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 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 2019-08-03
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Comenity Bank repeatedly calls relatives about my debts and harasses them about my whereabouts and references social media searches accounts/searches to them. This happened recently as of today XX/XX/19. Calls are coming from XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06
Company: Experian Information Solutions 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:
I am so disappointed how XXXX, Experian and XXXX XXXX investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP 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 2019-06-06
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Due to identity theft my credit file has numerous of unknown and unauthorized inquires on it. I'm demanding that these inquires be deleted immediately so that the 3 major credit reporting agencies can afford me my true report. Please delete the following inquiries : 1 ) XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX XXXX XXXX XX/XX/XXXX ) 8 ) XXXX  ( XX/XX/XXXX ) 9 ) XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) 13 ) XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX ( XX/XX/XXXX ) 15 ) XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Coinbase, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On Tuesday, XX/XX/XXXX, I made an " instant purchase '' of XXXX Ethereum from Coinbase.com using settled funds from my USD wallet in the amount of {$5800.00}. Under the circumstances described, the Ethereum was supposed to be delivered instantly, and I was given a guaranteed delivery of XX/XX/XXXX when my funds were nearly instantly withdrawn and the purchase " completed. '' It has been a week, and I have yet to receive the currency I purchased. I have attempted to contact them at least a dozen times through their worthless online support system, as well as their alleged XXXX @ XXXX name, but I have not gotten a single response from a real person at all. I received approximately two automated response emails with links to help articles that did not answer my questions, and was asked to " reply if I still needed help, '' which of course I did but no one ever responds. It has been a week and I feel like they 've stolen nearly {$6000.00} of my money. Not only that, if I were to have received the currency when promised, I would have been able to turn a profit of nearly {$1500.00} because of the spike in value I anticipated and attempted to buy ahead of. But since it 's taking so long for them to deliver the " pending '' Ethereum ( that still says " Delivery by Tuesday, XX/XX/XXXX ), my fear now is that by the time they deliver it ( if they ever do ) it wo n't be worth what I paid for it because of their unexcused, unethical delay of currency delivery. I am beginning to think they just stole my money and the situation will never be rectified. No one there even acknowledges that I exist, I have n't gotten a single legitimate response and my problems just goes unanswered. I just want some answers and some rectification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dept of Ed/ Navient has reported two late payments to the credit bureaus for the months XXXX and XX/XX/2017. These late payments reports are inaccurate, At this time I was unemployed and the accounts were in general forbearance and under no circumstances should've been reported as late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: EQUIFAX, INC.
State: SC
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 have repeatedly sent letters to Equifax regarding wrong, fraudulent information on my credit report for almost a year. I also disputed with the other credit bureaus and the companies. They have all been cooperative but not Equifax. I am a victim of identity theft. I have already received notifications of at least 10 different breaches of my information. I have filed a police report, id theft reports/affidavits and sent them to Equifax. I have called them multiple times and they just keep flat out lying to me. They keep turning each correspondence into a " re-investigation '' then claiming they've verified with the companies and there is a bankruptcy that they claimed they actually verified with the court. Blatant Lie and I have been researching this stuff for about a year now. I found some case law directly against Equifax that says they aren't allowed to claim a court verified anything. XXXX XXXX, XXXX and XXXX  all deleted the items that I informed them that they were id theft related. I sent proof to Equifax. They don't give a XXXX! I told them on the last letter that I was going to file a complaint against them if they don't follow the law and remove these fraudulent items. They just sent me an updated report. A couple things were removed but they still left some things on there which I know they know should have been removed but instead they just claimed they verified them. Big fat lie!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Navient Solutions, LLC.
State: TN
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:
XXXX University forged my signature on student loans between the year of XX/XX/XXXX-XX/XX/XXXX. I was on a full 4 year scholarship during this time. I never authorized my signature nor did I sign for any of these loans. The school admitted to fraudulently taking these loans out in my name without authorization. I am currently disputing this with the Navient Fraud Department and the XXXX XXXX. However, because of these fraudulent acts by the schools my credit is being affected tremendously by this causing it to go down over 100 points due to there being no payment of these loans. I have asked Navient to report them as disputed on my credit report and I have also asked them to put them in forbearance until the issue is solved. They told me they ca n't because of it being disputed. XXXX XXXX told me it could take over a year to get a decision. I have done everything I can possibly do to get this issue solved. In addition, I have also reached out the state attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was notified from the credit bureau on XX/XX/2020 that I had a collection account that was added to my account. Once I noticed I disputed the account with XXXX regrading verification of this debt as well as the original agreement between myself and the alleged debt collector. Prior to this showing on my credit report I received no documentation in the mail or otherwise from the alleged Enhanced Recovery regarding this alleged debt I owe. I have never signed an agreement with this company and I have never received any notification and/or verification of this debt and that I am to pay Enhanced Recovery. I wish to have this collection removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


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 2019-06-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am so disappointed how Experian 's investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP 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 2019-06-06
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07
Company: Midwest Recovery Systems
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am receiving harassing calls from Midwest Recovery for a debt that is not mine and they put something on my creditr report. I have contacted an attorney as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: TN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30
Company: CURO Intermediate Holdings
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received first correspondence from XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/2019. Letter had 3 different addresses. 
1. Return address was XXXX. XXXX XXXX XXXX. XXXX, XXXX, AL XXXX 2. Address in right upper corner of letter was XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX, telephone XXXX, fax XXXX 3. Address on payment coupon was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, KS XXXX It was not specified which address to send to for debt validation. Sent debt validation certified letter to second address on XX/XX/2019. So far has not been received. 

Received second correspondence from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/2019  stated they had previously sent me a letter and that this communication did not affect my FDCPA rights. This letter had 2 different addresses. Again sent a certified letter to the XXXX XXXX address requesting debt validation on XX/XX/2019. So far has not been received. 

On XX/XX/2019 called and asked what address to send for debt validation and was told to send to the second address, XXXX XXXX XXXX XXXX XXXX, etc. I could barely hear the person I was speaking to because of loud background noise. From what I understood the XXXX XXXX address is the office for the agents and the XXXX XXXX XXXX address is for payments and correspondence. Again letters are deceptive in this regard in an attempt to deny the consumer 's right to dispute the debt by asking for validation. 

No where on either of these letters does it specify which address to send correspondence. I feel that this is misleading and confusing and is an attempt to thwart attempts for the consumer to ask for debt validation. It gives the typical FDCPA statement saying one may dispute the debt by writing the office within 30 days. Again with the 2 different addresses it does not specify which office. Also the first letter was dated XX/XX/2019. I received it later than that. Therefore I had at least until XX/XX/2019 to send my dispute letter. By XX/XX/2019 they are already sending second correspondence without giving me my 30 days to send a dispute letter. The second correspondence had no such FDCPA statement. 

Now I have to spend money on a third certified letter to the supposed correct address for debt validation letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 have not received any confirmation on how you have verified the fraudulent alleged inquiries attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts and inquiries on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief