BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-30
Company: Finance of America Holdings LLC
State: LA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Finance of America Reverse, Loss Draft Department continues to hold my insurance disaster claim check in the amount of {$11000.00} without cause for well over 30 days and never processed an initial dispersement for my home to get repair. Finance of Am have already confirmed receipt of check on XX/XX/XXXX and that no other info is needed. They have continuously informed me that they will process the funds to me each time I called and as of date no receipt of funds. I called on XX/XX/XXXX for status, XXXX XXXX stated Finance Of America notes in file receipt of check on XX/XX/XXXX as requested and contract, receipts, and invoices of contractors was also received and confirmed by Finance of America and no other info needed for initial dispersement. I called again XXXX, funds, not processed, again on XXXX, XXXX XXXX ( Rep ), funds not processed but stated she was sending urgent message to Processor to release funds; called again on XX/XX/XXXX, XXXX XXXX who again confirmed no other info needed and again stated he will send urgent request for release of funds. Because of their continuous neglect and disregard of devastation of damages, I had to borrow and use my own limited funds to get my entire roof replaced as I have rained in damage to my home. My ceiling is sloped and cracked from rain in and Finance of America have been notified over and over again. I am a XXXX XXXX on XXXX and need the funds ASAP. Damages to my home is still progressing to worst results and I have no more personal funds to get these repairs completed and I should not have to when Finance Of America is holding my money or worst have stolen my insurance disaster funds. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: CA
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:
This is my third 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022.

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 2021-04-01
Company: EQUIFAX, INC.
State: PA
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:
Dear to whom it may concern, Please remove this from my account, this is a Closed Account and needs to be updated ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: NC
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:
This is the several times I've complained about some erroneous items in my report. You must delete these items that were opened without my knowledge, consent, or authority within 4 business days.These items are damaging my file and needs to be deleted. 

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 2021-05-31
Company: BAM Management US Holdings Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have been trying to " verify '' my account with Binance.US since XXXX. I have sent them the documentation that they requested multiple times, which they keep rejecting, stating that my address does not match ... which is untrue because all of my information is the same on my license, on my bank account, on everything. 
They will not release my funds until I am " verified '', but they won't verify me. 
This is now six months that they have held my funds hostage. 
They have no incentive to release my money. They can keep denying me indefinitely. 
I have sent dozens of emails and filed multiple tickets. They take months to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
Equifax is not letting good accounts report to my report. There are multiple accounts that have not been showing up on my Equifax report. I called Equifax and was told that the reporting party is not sending info on new accounts to them. So I called each account agency and asked for proof of reporting to Equifax. I have a letter from one account holder and they have been reporting for one year and six months. This is a violation of FTC AND THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I spoke with XXXXXXXX XXXX XXXXXX/XX/2022 and they was unable to provide me with a document with my signature on it. Stated it was for my step daughter. I am no longer married and not sure why this be on my credit. XXXX XXXX reported a XXXX balance on the XXXX of XXXX. Equifax has yet to remove it from my credit report. XXXX collections is sending me a document stating a XXXX balance. But my complaint is with the fact that it is not being reported properly by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: SC
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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 2022-06-16
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 XXXX  XXXX XXXX Account # 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 2018-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
the transunion credit reporting company continues to report late payment on my student loan accounts with navient, I have explained to them that the account was not in late payment status and that it is in forbearance status for the dates that are reporting as late. the company has sent this proof in written form and it is attached showing that those showing up as late were in fact covered by forbearance status. please update the record to reflect that this account is not in late payment status and that the account was never late IMMEDIATELY as this inaccurate reporting is damaging my name.

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 2016-01-19
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was unable to make payments due to medical crisis in my family and on XXXX/XXXX/XXXX I made a payment arrangement with Spring Leaf to make {$50.00} one time payment and {$70.00} thereafter till I am able make the full monthly payment beginning XXXX XXXX. I have been paying as agreed but Spring Leaf is sending Sheriff to harass my family -- my husband recovering from XXXX and our daughter with XXXX challenge. When I called them to ask why, they said if I do n't want the Sheriff at my door, I should go to the Sheriff office to sign some papers! 
See attached fax cover of hardship request I made for the payment arrangement and my bank activity showing my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
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 XXXX XXXX XXXX Account # 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 2018-04-06
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: Personal information incorrect

Complaint:
Asked Experian to update my profile several time regarding my name and address. I sent my ss card along with my utility bill as proof of my address and the correct spelling of my name. They are still reporting XXXX XXXX XXXX XXXX  NC and XXXX XXXX XXXX XXXX XXXX  nc. Which are both inaccurate. For reasons due to fraud, I need the bureaus to reflect XXXX XXXX  and XXXX  XXXX XXXX XXXX  NC 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 2023-07-06
Company: EQUIFAX, INC.
State: IN
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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX  I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
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 XXXX # XXXX # XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX 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 my 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 2022-06-16
Company: EQUIFAX, 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 XXXX # XXXX # XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # 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 my account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I own a brick and mortar business that also sells on XXXX. For the past several months we have had multiple customers who are not able to pay us for the items they have purchased. The reason is that when they use XXXX and the funding is from a Citibank card our business is being blocked. When the customer calls Citibank the reason that is given is that our business is involved in the sale of cryptocurrency. We do not and have not ever been involved in cryptocurrency. I have checked that our merchant category code is correct, XXXX. We have been in business since XX/XX/XXXX and selling online since XX/XX/XXXX. I suspect that the problem is that Citibank is either filtering out our business because the name of the business has the word " coin '' in it or they are confusing our business with another business of the same or similar name that does in fact deal in cryptocurrency. I have spent hours and hours on the phone with XXXX, XXXX and Citibank. XXXX and XXXX customer service has been great and I believe they have done everything they can to solve this problem. Citibank however has awful customer service and will not help at all because I am not a Citibank customer.

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 2021-05-31
Company: Prosper Marketplace, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They've violated my FDCPA Rights by ruining my credit, defaming my character, fraudulently sharing my personal information, contacting my family members trying to get in touch with me, harassing me after advising them several times this isn't my debt, and going after the correct person who owes this money instead of wasting my time and resources having me back and forth in court as of XX/XX/XXXX, and again on XX/XX/XXXX. The amount they're trying to collect is {$2900.00}. Apparently, this loan was originated on 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 explanation
Consumer complaint received 2023-09-29
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My name is XXXX XXXX XXXX, XXXX, and born on XX/XX/XXXX. 
The company Account Receivable Resources , Inc sent me a letter telling me that it is trying to collect my debt with XXXX XXXXXXXX XXXX  for a service during a preventive XXXX ( the only one done in my life ) carried out on XX/XX/XXXX, and that it should not be charged every 10 years by law. 
I didn't know I could report the undue billing to XXXX XXXX XXXX, and I did so through my XXXX XXXX insurance. 
As I was informed, my medical insurance XXXX made a complaint and approved paying XXXX XXXXXXXX XXXX the amount of {$300.00}. 
Even so, I continue to receive debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: IL
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 am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times.

I demand the accounts listed below remove because According to 15 USC 1681 : I have a right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXXXXXX XXXX XXXX XXXX Account # 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 2023-09-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I'm grateful for the XXXX Bureau 's assistance in addressing the inquiries I requested to be removed from my credit report. However, my concern now is with the fraudulent inquiries still present in my Experian and XXXX Credit Reports. I urgently require the removal of the following inquiries. I kindly request that these inquiries be removed as soon as possible : EXPERIAN : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXXXXXX 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 explanation
Consumer complaint received 2021-05-31
Company: Financial Adjustment Bureau, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, a request for validation was sent to the collection agency 's office via certified U.S. mail. On XX/XX/2021, USPS receipts indicate the letter was delivered to the collection agency. Following no response from the agency for over 30 days, a second letter of non-response was sent on XX/XX/2021. USPS receipts indicate this letter ( which included copies of the original ) was delivered on XX/XX/2021. It has been more than 30 days since the last dispute was sent and I still have not received any validation this debt is mine, despite the accounts still being reported on my credit. Furthermore, the accounts appear on my XXXX report without all critical information required to report an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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