BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-16
Company: Experian Information Solutions Inc.
State: AZ
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:
There is a public record, " Bankruptcy, '' reported in my credit file. The bankruptcy is a ChXXXX which was filed in XX/XX/2010. The law clearly states that this record can not be on my credit report for longer than 7 years. XXXX and XXXX state that the information they are receiving regarding my dispute with the reporting of this information past the legal parameter of 7 years states that the bankruptcy is a ChXXXX. This is fraudulent information. 
The case was converted to a ChXXXX. 
The law clearly states that the bankruptcy it is to be reported to a credit bureau as it was originally filed and when it was originally filed ; with that being a ChXXXX in XX/XX/2010. The record can not be reported as a ChXXXX be side it was not. It was converted to a chapter XXXX with the same case number and filing date. I DID NOT FILE A CHXXXX IN XX/XX/2010 LIKE THEY ARE REPORTING. THIS IS WRONG AND 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 explanation
Consumer complaint received 2020-09-03
Company: Telsa Motors Inc
State: VA
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:
To Whom It May Concern, I signed up for PPA Lease ( Agreement ) with SolarCity, such agreement was never reported on my credit report until this year. SolarCity was acquired by Tesla. However, this agreement now reflects a " loan ''. No where on my agreement with Telsa agreement states that this agreement was a " loan '' nor was there a " Truth in Lending '' statement. Such action is a violation of the Fair Credit Reporting Act and Truth in Lending Act. 

Regards, 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 2020-11-17
Company: Experian Information Solutions Inc.
State: MS
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:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account. 
Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.

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 2021-04-29
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/26 around XXXX XXXX my coinbase account was hacked. The hacker attempted to sign in multiple times requesting multiple codes and the company allowed them to request up to 15 until finally they were able to XXXX  my account by adding their own phone number and secondary authentication. I woke up at XXXX XXXX  to the 15 text messages of the codes and immediately signed into coinbase changed my password, added a second factor code, and locked my account to any future sign ins. I tried to delete my bank account and the new phone numbers but was not allowed to because the verification codes were being sent to the new numbers. I immediately emailed the company about my issues. Although the company told me the account was locked, hackers were able to complete 3 withdraws from my XXXX account one for {$200.00}, one for {$500.00}, and XXXX for {$250.00}. They also sent all of my XXXX, {$950.00} to other accounts while my account was supposed to be locked. I have been emailing the company and only receive robot responses. I am not locked out of my account completely and have no way to sign in.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-18
Company: Preferred Collection and Management, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX PREFERRED COLL & MANAG XXXX N/A XXXX N/A XXXX {$100.00} N/A XXXX {$86.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PREFERRED COLL & MANAG XXXX N/A XXXX N/A XXXX N/A XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XX/XX/XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Navient Solutions, LLC.
State: SC
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:
Never received settlements from courts ruling.Navient lawsuitsXXXX XXXX filled XX/XX/17 XXXX XXXX Documents 1 filled XX/XX/17 pages 11of 66.My email is XXXXVery troubling.and hardships from day one. Also XXXX XXXX garnished my check knowing it was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: T.S. Holdings
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have negative reporting on my credit report from IQ Data International in reference to monies owed to an Apartment complex in the state of Georgia. I told them it was not me and that I never lived in Georgia. I used to date a young lady there and she and her family members took it upon themselves to forge my name on an apartment and a utility billing addendum. When I contacted the credit bureaus they just said the debt was validated. I asked for a copy of the lease agreement but they had the collection agency to send me what they are using as proof of validation which was not an apartment rental lease agreement but only an utility billing addendum. When I saw what they provided, it was clearly not my signature. My name was printed out not signed and the other parties on the utility addendum had signed signatures. I responded to the credit bureaus and the collection agency with a letter in which I both signed and printed my name. I also sent them a copy of my drivers license and social security card showing the signatures did not match. They are still reporting this and I asked that it be deleted. Anyone can walk in with others and say they are me and print my name on a document but if there isnt a signed lease, thats because I was not a tenant in that apartment unit. I want that debt removed from my credit report immediately. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03
Company: CITYWORTH MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear To Whom It May Concern, I am sending this letter to inform you that I have been in a hotel with my family of XXXX for two month. 
( Because my lease was up )! and on XXXX XXXX I was set up for closing with a closing attorney in XXXX, Ga which I to send them my 3.5 percent on XX/XX/XXXX. But on closing date the attorney office never received the final paperwork. So my load offcer stated that we was still in underwriting. 2 weeks pass then on XXXX XXXX i received a letter from XXXX XXXX  services stating that my loan was approve and i also received my three day disclosure and I was supposed be closing in XXXX XXXX. One XXXX XXXX. I received a call from my loan officer stated that a XXXX in underwriting won't let us closing because of a collection back in XXXX which I paid to comply with underwriting. Then on XX/XX/XXXX XXXX in underwriting cleared that debt issue now underwrite is hold on closing because tax issue which we took care of the tax issue. Them a weeks went by on XX/XX/XXXX, I received a call from my loan officer stated that now there is. Issue with my down payment to prevent us from closing. XXXX stated the cash of {$4700.00} cant be a source of down pay with out a paper trail. Which I wrote a letter of explanation on where and when and why with documents for a paper trail for {$4700.00}. So now my family are just living in this hotel until we get and answer from XXXX the senior underwrite who handle my file ... 
This problem specifically concerns the below premises : Purchase Home XXXX XXXX XXXX XXXX, Georgia XXXX Please do whatever is necessary to address this problem as soon as possible. 
You may contact me at the above address if you have any questions.You may also contact me using by email. 

So I file complaint with the XXXX  for XXXX XXXX  XXXX. On XX/XX/XXXX. I received a letter response to my complaint. And the stated that my loan officer XXXX XXXX @ city worth fail to Comply XXXX conditions of the loan and he never rely to few email. They also stated that XXXX XXXX the loan officer stated that I was interested in the load any more. Which i never stated th as at all. I also ask to sign a termination agreement to give my earnest money to the seller.. which I didnt sign. So the seller sold the house.. and I'm homeless

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
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 status incorrect

Complaint:
On XX/XX/2020 I received a credit alert today. I decided to check my credit report. I noticed that XXXX XXXX XXXX has reported an account XXXX as charged off on Trans Union, XXXX, and XXXX. I have disputed this with XXXX XXXX XXXX and they advised that I have to dispute with the credit bureau. They have agreed that this is not a charged off account but an open checking account and should not be on my credit report.I have disputed this with Trans Union, XXXX, and XXXX. This account is affecting my credit score and resulting in credit issues.

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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2017-08-08
Company: Empowerment Ventures, LLC
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I believe Rushcard is scamming customers again. I tried to use my RUSHCARD on XX/XX/XXXX about XXXX. My purchase declined although my direct deposit had just been posted. I called Rushcard customer service right then in XXXX at the checkout counter. An agent told me my card had been locked on XX/XX/XXXX due to suspected fraudulent activity. No one contacted me to tell me about the account lock. The agent says they called, texted and emailed, but I never received ANY type of communication from them. They said they were unable to transfer the funds to my wife ; s Rushcard and the only thing they could do was send me a new card to be activated. This takes 7-10 business days and I ca n't wait that long for my money. They said they could send the card with 2 day shipping, but there would be a {$30.00} charge. I refused to accept this and asked for a supervisor. The supervisor told me they would waive the {$30.00} fee since I was upset. I called them back this morning to make sure my card was getting sent out. The agent got a supervisor on the line because the card had not been sent out yet. The supervisor told me they can not waive the {$30.00} fee so I had to pay {$30.00} to get my new card sent to me. I was told the card would be sent out today and arrive by Thursday. However, at this point, I have no trust in their word whatsoever.They have no right to charge me for this. If I had known on XX/XX/XXXX that the account was locked, I would have had time to get the new card before my direct deposit on XX/XX/XXXX. Why would they lock my account and not send a new card right away? I plan to cancel my account as soon as I can get my money out of it. Please investigate this business as I know they wrongfully locked customers accounts in 2015. I have not seen any type of fraudulent activity on the account whatsoever so I fell like this is a cover story for their mistakes. To put the icing on the cake, Rushcard was able to deduct their monthly fee while the account has been so called " locked '' and unable to withdraw from. Due to this issue, I am unable to buy groceries or pay bills for my family. I have XXXX children and a wife to provide for. There is over {$900.00} in my account and I ca n't access it until I receive a new card by mail.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-27
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is an electric bill that has been paid to the electricity company XXXX XXXX XXXX. I should not be on collection of any kind. I ask the collection company Helvey & Associates to contact XXXX XXXX to confirm this account its been paid. Remove this collection ASAP from all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: EQUIFAX, INC.
State: OK
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:
From my understanding when you dispute a collection and/or pay down your credit cards your credit score stays either the same of moves up. Why is that my credit score drops drastically when there nothing but positive be changes? XXXX has the worst customer support and seems to me unfair credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: CNG FINANCIAL CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This loan was taken on XX/XX/XXXX, I filed chapter XXXX bankruptcy in XXXX. This loan was paid off in this bankruptcy and the company was contacted by the law firm that represented me. I found out this year the loan is still open under my name, I contacted this company to find out why. The first representative was very rude but I was told the loan was closed and discharged due to bankruptcy I asked her to please forward this info to the state and I was told have a nice day and hung up on. I called again and I was told they never received information about my bankruptcy and was I sure I added them to it. I told her yes and she asked me to send over paperwork which I did. I called this morning and was told that I need additional paperwork. This is ridiculous bankruptcy is public record I have all my paperwork and should not have to jump through hopes to get them to follow the federal laws. I am very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$23000.00}, {$8900.00}, {$160.00}. 
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 ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX, Legal Assistant and XXXX XXXX ( Legal Assistant ) to XXXX XXXX XXXX illegally reporting that XXXX XXXX XXXX ( XXXX, TX ) and / XXXX XXXX XXXX XXXX are creditors via a Texas Department of Public Safety letter. 

Neither XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, or Texas Department of Public Safety are lenders of money or insurance to me. None of the law firm 's lawyers and their insurance providers have represented me in any litigation and have never been hired by me for any attorney representation ; thus, should not be claiming to be creditors of any type on credit reports.

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 2020-10-24
Company: Experian Information Solutions Inc.
State: NC
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:
Experian has not provided me with proof of the follow collection accounts : 1.XXXX XXXX XXXX Original creditor : XXXX XXXX  {$450.00} Balance updated XX/XX/2020 Account Info Tap labels for more details 2. XXXX XXXX XXXX IN Original creditor : XXXX XXXX XXXX  {$100.00} 3.XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$540.00} Balance updated XX/XX/2020 4.XXXX XXXX XXXX Original creditor XXXX XXXX XXXX {$440.00} Balance updated XX/XX/2020 I have contacted them on several occasions via telephone and via written notices 3 times. All of the above accounts listed has been removed from XXXX and XXXX   and my credit reports has been updated. This is hindering my on going home purchasing process for me and my family. This has been a very stressful process with Experian and I don't know what else to do 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