BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: CA
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 Account number : XXXXXXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX FS Account XXXXXXXX XXXX  Account number : XXXX, XXXX XXXX & XXXX Account number : 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 2022-12-16
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously counted my qualifying payments. According to their website, every month has counted as qualifying for XXXX between XX/XX/XXXX and XX/XX/XXXX which is XXXX, however they only list XXXX in my qualifying payments. Additionally, My consolidation loan was disbursed in XXXX, however no payments were counted prior to XXXX According to my student aid data, the loans were in grace from XXXX through XXXX, however grace is only six months and is not available for consolidation loans, therefore they should be considered in repayment and counting from XXXX since XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: OH
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: Other problem getting your report or credit score

Complaint:
After several attempts to get my profile open. Equifax has refused to open my credit report to see information that affecting me. I have mailed the requested documents with a tracking number from the post office, and they have refused to open my report so that I may see it online. Here is the tracking number to the profile XXXX XXXX. The requested documents were received by Equifax services LLC on date XX/XX/XXXX at XXXX. Equifax has claimed to not have received the documents again. I have also faxed over the documents and Equifax has claimed to not have received these documents. After 6 months of my file being locked. Equifax is illegal keeping me from accessing the information on my account or giving me any information on my account. I am now ready to pursue legal action against Equifax and its partners for the damages that are now occurring on my report and my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: NY
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 found out my identity was stolen and somebody opened fraudulent accounts under name when I received a collection notice in the mail. I immediately contacted the credit bureaus and filed police reports. The XXXX fraudulent accounts are charge-off credit card account ( XXXX ) from XXXXXXXX XXXX XXXX in the amount of {$3000.00} and XXXX XXXX account in collection ( XXXX ) in the amount of {$2700.00}. Identity thief ruined my credit and destroyed my family 's future. I've asked credit bureaus to remove the fraudulent items off my credit reports, but they refused to do so. I don't know what else I can do to get the justice I deserve as one of the millions of American who fall victim to identity theft every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
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: Account status incorrect

Complaint:
Incorrect information or fraudulent .This is discrimination based on gender race and financial capabilities. I want to file lawsuits against XXXX XXXX and Equifax for libel and slander.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I had purchased Bitcoin various times from the merchant. In mid XXXX 2016, I initiated two purchases of ETHer from COiNBASE.com ( XXXX XXXX, CA corp ) via the Internet. They emailed me stating that the ETHer *would be deposited into my account on a certain date* ( emphasis added ). They did not provide the ETHer on the certain date, nor did they ever provide the ETHer. I also ordered some BTC from Coinbase, on the same date. 

I filed a timely complaint with the state of California consumer financial complaint department. Coinbase responded that they were just complying with fincen. However, they did not resolve the issue and simply let it go - likely because I was not a constituent, residing in CA. 

In retaliation, Coinbase closed my account. They stated : " Hello, Thank you for your interest in Coinbase. Our primary goal is to make digital currency safe and secure for our customers. Coinbase is a regulated Money Services Business under FinCEN ( FinCEN.gov ), and as part of achieving this goal, we are legally obligated to implement regulatory compliance mechanisms. 

Upon careful review, we believe your account has engaged in prohibited use in violation of our Terms of Service and we regret to inform you that we can no longer provide you with access to our service. We respectfully request that you follow the on-screen instructions presented when you log into your Coinbase account to send any remaining balance offsite to an external address. 

Should you have any questions or need assistance, please let us know and we 'll be happy to help. 


Respectfully, Coinbase Customer Support '' There was no " careful review '' and neither my account nor I " engaged in prohibited use in violation of [ their ] Terms of Service ''. Their statement that I can " send any remaining balance offsite '' is also inaccurate. They have some of my litecoin which they are refusing to release to me despite saying " send *any* ( emphasis added ) remaining balance offsite ''. Even their attached support article is false. 

I merely exercised my right to complain to a governmental agency about being XXXX out of over ( > ) XXXX ETHer coins and they retaliated against me for having done so. Ironically, I I also updated my address as allowed by the law which governs me and any transactions which I may make. That may have upset them but I am allowed to do so pursuant to : http : //nvsos.govXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed Chapter XXXX bankruptcy in XX/XX/XXXX and it was discharged in XX/XX/XXXX. The bankruptcy included at least one credit card account from Barclays Bank. Since the discharge, I have received numerous phone calls from different debt collection agencies trying to collect on behalf of Barclays. I always notify them verbally that I filed bankruptcy and that they are not legally allowed to contact me, but then it seems the collection agency changes and someone else tries again. The most recent company calling me is XXXX XXXX XXXX. It called from XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and twice today XX/XX/XXXX. In XXXX, it was a company called XXXX XXXX calling from XXXX, which called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I spoke to XXXX from that company on XX/XX/XXXX and spoke to XXXX on XX/XX/XXXX. There have been other collection agencies and other dates, but those are the ones I have close to hand. Please help me get Barclay to rescind all collection actions because they are illegally harassing me at this point.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: NJ
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: Their investigation did not fix an error on your report

Complaint:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 contacted XXXX XXXX to dispute information on my credit report. There is two things that need updated. They have not updated them with the credit reporting bureaus. I need that updated ASAP. One XXXX XXXX credit card should be removed from my credit report as I am no longer an authorized user and the balance should be update on the other one to {$24.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a Nordstrom credit card that was included in my XXXX  XXXX XXXX proceedings back in XXXX. The creditor chose to not participate, and the card should have been showing as a charge off since XX/XX/XXXX. However, due to some misinformation, misreporting, etc. the payments were showing as on time in the beginning of XXXX. This is inaccurate information, and should have been a charge off since XX/XX/XXXX and should have been gone off my credit report as a negative reporting item in XX/XX/XXXX ( 7 years for bk actions ). However, when disputed with XXXX, XXXX added an additional 3 years added to the negative action, and did not remove the action. I have called Nordstrom several times now, they've indicated that XXXX was told to remove the action, it was included in the XXXX  XXXX, and XXXX disputed that Nordstrom told them this information and questioned the veracity of the statement. I am caught in the middle between Nordstrom informing me that they're telling XXXX to drop the negative action on my report, and XXXX saying there's nothing that they can do and to keep disputing the negative item on my report. I am also in contact with my BK attorney to see what, if anything I'm able to have them do to get this negative item off my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06
Company: JFQ Lending, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a flyer from JFQ Lending on a streamline refi to lower my mortgage rate. I did inquire and I did sign documents to start the refi streamline process on XX/XX/2020. After giving it some thought I decided not to continue. On XX/XX/2020 I sent a email requesting that they cancel my loan request. The loan officer continued to move forward with the process after he acknowledge receiving my email. He then continued to call me and leave me voice messages. On one of the messages he stated that I needed to call him and on a recorded line say that I'm ok paying at the higher rate. Which I know I don't need to do. This complaint was sent to the owner, which he continued to offer me a loan instead of addressing the issue. There were other loan offers calling and emailing me within JFQ Lending. After multiple emails and calls not only on my mobile but they also call my work phone, and a response from a ridiculous response from the owner, I wanted to file a complaint. I being harassed and I don't appreciate it. I am now concerned for those other mortgage holders who they will contact and be aggressive with. For these loan officers at the company not to be clear with all the details and numbers can put a family in a financial situation that will hurt them, especially those already that are struggling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I viewed a copy of my credit report and saw collections listed on it that I know I do not have. I have written to the companies and to the bureaus on more than one occasion to have them remove these negative listings on my credit report and I have not received any response from them. I have not even seen on the credit report where they entered it as being disputed when I viewed a recent report. 
They are even reporting late payments on my credit report and I never had a late payment on any of my accounts. These negative reporting are affecting my credit scores and I want to get a mortgage but they are ruining me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: MI
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: Their investigation did not fix an error on your report

Complaint:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a serious matter regarding Experian 's handling of my credit information, which I believe violates the provisions of 15 U.S. Code 1681s2 ( a ) the duty of furnishers of information to provide accurate information under the Fair Credit Reporting Act ( FCRA ). 

I have identified several instances of inaccurate personal tracking information and unauthorized credit inquiries on my credit report, and despite my efforts to dispute these inaccuracies, Experian has repeatedly updated the information as verified without providing any proof of such verification. 

XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX Unauthorized Credit Inquiries : XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Bankruptcy : XXXX XXXX  Bankruptcy, XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Following Accounts : 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 I have requested proof of the verification process for the updated information, particularly regarding the unauthorized credit inquiries and alleged bankruptcy, but Experian has failed to provide any documentation. I am concerned that this violates the duty of furnishers to provide accurate information as outlined in the FCRA. 

In light of the above, I kindly request the Consumer Financial Protection Bureau to conduct a thorough investigation into Experian 's practices regarding the verification of information and to ensure compliance with 15 U.S. Code 1681s2 ( a ). Additionally, I request the immediate deletion of the unverified and inaccurate information from my credit report. 
I appreciate your attention to this matter and look forward to a prompt resolution. Please find attached copies of relevant documents supporting my dispute. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 non-monetary relief
Consumer complaint received 2020-12-15
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have recently filed an identity theft report with XXXX XXXX XXXX For a credit card that was obtained with my personal information that I never applied for. I have submitted documentation to XXXX  and they have taken this debt off my credit report. XXXX XXXX XXXX  sold this debt to Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Midland Credit Management calls me continuously throughout the day. This company needs to cease and desist their harassment trying to collect a debt that I do not owe is against the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
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: Credit inquiries on your report that you don't recognize

Complaint:
did not authorize or do any of these hard inquiries on my reports : 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 2022-06-02
Company: Lendmark Financial Services
State: OH
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:
Under public records the following are still reporting on my credit report when the accounts are too old and should be removed off my credit report. 
XXXX XXXX XXXX  settlement accepted date XX/XX/XXXX XXXX card services settlement accepted XX/XX/XXXX XXXX  financial services settlement accepted XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I helped my fiancee get a loan for a car with credit acceptance corporation, the payments and loan amounts somehow increased, the term of the loan was extended, as was the payment amount, initially we signed an agreement for a total of XXXX at XXXX per month, however the last statement says XXXX dollars XXXX XXXX for XXXX years, I did not sign anything that says that, I dont understand how they can change the amount without my consent m

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 2019-07-31
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I noticed a transfer of {$1000.00} to Coinbase which I did not initiate on XX/XX/19. I contacted Coinbase support and they started an investigation and locked down my account. I have contacted them numerous times however they will not respond to my e-mails and when calling in simply tell me to e-mail the attached case. My account has been locked down for two weeks without any updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
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: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM 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 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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