BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-14
Company: Experian Information Solutions 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:
It's not my accounts and inquiries.I never applied for it. I never sign anything.

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 2023-11-14
Company: EQUIFAX, INC.
State: NV
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Closed account : 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 REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Carrington took over the mortgage. I have no say so in who owns my mortgage which is a horrible way it works. They did not communicate or act to pay my flood insurance which they require to be paid in escrow. In 20 years of having mortgages have never had this issue and my insurer XXXX XXXX XXXX said they were the worst to deal with. They delayed the process I feel on purpose to make me buy their insurance and Jack my price up. Double what I was paying. The only notice we received said final Notice. Then they delayed a process that my insurance company says usually takes XXXX XXXX at most into XXXX XXXX XXXX Have not gotten anywhere with the company. Second issue is I pay through my bank. Every other company that buys the mortgage has been super easy to do so. For some reason when I try to pay Carrington its a XXXX to XXXX XXXX process. I feel they are trying to harass me because I have a super low rate and they know they can get more money out of someone else. Its an I fair practice, and as this is not the company I started my mortgage with I feel I have been forced into a sub par relationship with an aggressive and belligerent company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I incurred a {$200.00} medical expense at XXXX  XXXX XXXX ( XXXX ) ( owned by XXXX XXXX ) in XX/XX/XXXX. I never received an actual bill from them ( which is a separate issue ), but I began received calls from XXXX XXXX XXXX XXXX ( XXXX ) about a year later, XX/XX/XXXX. I paid the debt in full to XXXX. I did not receive a receipt directly from XXXX, but the payment is shown on my VHC/Alteon records XXXX The balance now shows as {$0.00}. 

In XX/XX/XXXX, I began received letters from an entity calling themselves " The Law Offices of Mitchell D. Bluhm and Associated '' ( MBA ) stating that I still owed {$200.00} for the same date of service ( XX/XX/XXXX ), which I had already paid to XXXX. I contacted XXXX in XX/XX/XXXX contesting the debt, providing a copy of my {$0.00} balance with XXXX  showing the XX/XX/XXXX {$200.00} payment to XXXX. In early XXXX, I received a response saying that they did not accept my proof and would not clear the debt. 

I have also tried contacting XXXX to obtain a receipt for my XX/XX/XXXX payment, but all numbers I have found do not work. I also tried their posted email in XX/XX/XXXX and have not received a response as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received an email from Experian a couple days ago stating that my credit score had decreased ; it dropped by 20 points. I have not done any activity related to my credit. Therefore, I tried contacting them to their customer service phone number, and every time I press the option to speak to someone the call keeps dropping. The same problem happened last month when I try to reach them for a different inquiry. I spent three weeks calling the phone number until someone finally answered. This is very frustrating and unacceptable. This company needs to fix their phone system right away. They are affecting peoples lives by messing with their credit score.

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 2023-11-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am writing you FOR THE 2ND TIME to dispute Fraudulently Inquires that where applied for in my name. I had no knowledge of these accounts, nor did I APPLY FOR ANY ACOUNTS. - XXXXXXXX XXXX XXXX, Account XXXX, XX/XX/XXXX, {$96.00}. This is not my account, its fraudulent. 

Inquires from - XXXX  XXXX - XXXX XXXX. I did not authorize the inquires or did I apply for their credit products. 

I am requesting A copy with my signature in agreement with any and all terms and charges related to the inquires accounts reflecting on my credit report. 

IF YOU CAN NOT PRODUCE THESE DOCUMENTS Please DELETE them. 
I am a real person and no credit services were used to help me with my dispute. Common sense is common sense and I have sense enough to do things on my own. 

My current address is XXXX XXXX XXXX, XXXX NC XXXX. Please also update this on my credit report. 
My current job needs to be updated, it is BLUE STREAK COURIERS, please remove XXXX from my credit report. 

Also delete this address because its related to fraudulent account and I have never stayed there- XXXX XXXX XXXX XXXX XXXX NC XXXX. 

PLEASE DO NOT ADD ANY ALERTS ( DO NOT ) TO MY CREDIT REPORTS, I DO NOT NEED A FRAUD ALERT!! 

I WANT YOU TO DELETE THE inquires ON MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11
Company: Coinbase, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I submitted a written billing dispute with a card issued by " XXXX, XXXX. '' to the company " Coinbase '' : https : XXXX This card is advertised as a " Debit Card. '' and it is FDIC insured according to the XXXX website. I submitted a regulation E-billing dispute to " Coinbase '' and " XXXX. '' This is what I have in writing from them from their verified Support Email Address : " Hello, We want to give you an update on your dispute regarding ( XXXX {$510.00} ). 

Were working quickly to resolve your dispute but please note that some investigations may take up to 45-90 days. While you wait for the final decision, we have processed a provisional credit to your account in the amount of ( $ XXXX ). 

This is considered a temporary credit until your dispute is resolved. If your dispute is successful, your credit will become permanent. However, if the dispute is resolved in favor of the merchant, the provisional amount will be reversed. 

Please note, any rewards associated with the disputed transaction have been reversed. '' I have not received a temporary credit and it has been 45 days since the claim ( Federal law requires this be applied within 10 business days. ) Also, I have an email from XXXX Third Party Seller Marketplace stating the funds for this purchase have been reversed to XXXX and the card ending in XXXX due to a billing dispute. I have not received these funds. I have not received any of the {$510.00} I disputed nor the temporary credit that is required by law and was promised by the banks support team in a verified email. 

My email address is XXXX and the ticket and claim numbers assigned by the " Coinbase Support Card Services Team '' is XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 got an alert from XXXX XXXX on XX/XX/XXXX saying I had a hard inquiry on my credit, after checking there was an unauthorized XXXX  XXXX XXXX  credit card inquiry on my account that I never inquired about or approved. The report was through Trans Union

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 2023-11-30
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/23, I received an Auto Debit Withdrawal Confirmation message from MOHELA. The message stated that an automatic payment of {$360.00} would be withdrawn from my checking account on XX/XX/23. Today, XX/XX/23, I checked my bank account and the money has not been withdrawn. I checked the MOHELA website and there is no record of any payment. I am scared of defaulting on my loans which are now under repayment since their administrative forbearances have expired. 

They should have originally taken my automatic payment at some point in XXXX, but they never even sent me a bill, much less take the payment. After 2 months of calling and emailing them, they finally sent me the Auto Debit Withdrawal Confirmation, but they still clearly haven't gotten organized enough to follow through. I'm tired of worrying about this issue. Before COVID, I was on auto-pay and there was never any issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-11
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
in XXXX 2017 discover card reported my payment 30 late, ,i have never been late on my payment, never there must be something wrong on their end i pay electronically online

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: PARKSIDE LENDING, LLC
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:
On XX/XX/XXXX I was notified by Parkside Lending who originated my loan on XX/XX/XXXX for the purchase of my first home via phone call that there was a problem with one of  the dates on the paperwork. During this phone call I was told the following : That all the documents were the same that only the dates were different. I was asked to get them signed as soon as possible for my best interest. Before I received the packet I was notified by XXXX XXXX that my credit had been pulled and had a hard inquiry. When I received the email with the new application document I noticed that it was marked refinance. My marital status was incorrect, I was changed to a floating rate, my income was also changed, and a new loan number was issued. Since that time, I have been notified many times by Parkside Lendings over the last 45 days from the mortgage bankers personal cellphone after hours in the attempt to get me to resign the new documents. He told me in several different ways that it would be in my best interest to sign the new documents. I had made my first mortgage payment on XX/XX/XXXX and it was not applied until approx 10 days after making it. It appeared they were holding it as they tried to get me to sign new loan documents. 

There have been many conversations since the XX/XX/XXXX with the following employees of Parkside. 

XXXX XXXX - Loan Officer XXXX XXXX - Area Manager I've been told that my loan was closed a day earlier than TRID allows and that is why they are trying to originate a new loan as my loan is not saleable to HUD. 
This situation has been handled unprofessionally by the lender and those involved. It has been extremely stressful with concerns that I am going to lose my home. I've contacted an attorney and was advised not to sign anything. I've told XXXX XXXX that I am not interested in refinancing and he continues to harass me. 

I have my original loan documents, the closing package and the new loan documents in paper form if needed. Please notify me if copies of these docs should be forwarded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 belongs to someone else

Complaint:
I was a Victim of Identity Theft and opened Fraudulent accounts from the year XX/XX/XXXX until XX/XX/XXXX. I have paid a credit repair service, I have directly disputed this with them on numerous times and can not seem to get help resolving this. I have even filed a report with the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: EQUIFAX, INC.
State: PR
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:
They made our credit record with Equifax, and first it was not authorized by us, second does not have who is the " REQUEST ORIGINATOR '' and third the phone number that is presented ( XXXX ) does not connect to any entity commercial of XXXX / XXXX  to file the complaint. Therefore, we request the elimination of said inquiry from our credit record as it falls under the category of " hard inquiry '' and affects our empiric. 

The credit record that has been affected is mine and that of my wife. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I applied for a XXXX XXXX  position at the company XXXX XXXX on XXXX. I was contacted a few days later with a scheduled interview. It was an online interview for 30 minutes. I was supposedly selected then a few days later I was sent a check to purchase office equipment for my home. I went to my bank on XX/XX/19 and asked the teller " do you think this is legit? because I am not familiar with positions like this ''. I was told that if the check goes in my account it should be good to go. XXXX contacted me and asked if I was ready, I said no because the money isn't in my account and they said it should be there by tomorrow the latest. I checked and it was there so I thought everything was legit. My next step was to go to my bank and get a cashiers check and take that check to XXXX XXXX XXXX. I explained the situation again " does this seem secure because I am not familiar with this kind of business '' but I didn't receive any warning. I did all this by XXXX on XX/XX/19. The people were suppose to deliver the equipment to me by XXXX. Something told me to check my account. I checked, the funds from the check was gone along with that same amount from my bank account. I called my bank, they told me to go to XXXX XXXX  XXXX and stop the check. I got there at XXXX and told them to please stop the check, something is wrong with this transaction. The lady at the branch told me that it was already scanned. Now here I am. 

I have been trying to get to the bottom of this with XXXX  XXXX XXXX, they sent me a few forms to get signed by my bank ( HSBC ) but they keep telling me that they can't sign anything. I am trying to get to the next step with this issue but my bank is not assisting me so now am trying to see what I can do to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: NY
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: NY
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 have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX XXXX, XXXX I as the consumer have attempted to contact this company multiple times to seek remedy & it is now believed that this company is operating under the COLOR OF LAW. Under the Fair Credit Reporting Act, I the federally protected consumer wish to exercise my right to opt out of the disclosure this nonpublic information from my consumer credit report as i may have given written, unwritten, verbal and non verbal consent per 15 USC 6802 ( B ). I the consumer was never provided a method to opt out of the disclosure of my nonpublic information to this nonaffiliated third party per 16 CFR Part 313. I under the Privacy Act Of 1974 have the right to be protected against unwarranted invasion of my privacy from the collection, maintenance, use and disclosure of my personal information.

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