BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-12
Company: First Credit Services Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING PLNTFORD Date of inquiry : XX/XX/2020 FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING TOMPEACOCK Date of inquiry : XX/XX/2020 FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX Account Number : XXXX FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING 12 XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Date of XXXX XXXX XX/XX/2020 FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXXDate of inquiry : XX/XX/2020 FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING

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 2023-04-18
Company: EQUIFAX, INC.
State: GA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Caliber Home Loans based out of XXXX, Texas mismanaged funds from our XXXX home loan since acquiring it in XX/XX/2019. Throughout the entire renovation process, their service has been unsatisfactory at meeting our basic needs for a renovation home loan. 
Caliber Home Loans chose to release the 10 % retention fund to our contractor before all work was completed. As stated in Calibers FAQs on their website, A 10 % retention will be withheld on all draw request to ensure all work is properly completed and for lien protection. The retention is released with the final draw upon completion of the project. The items that remain incomplete are as follows : Permanent marker remains on the newly finished wood floors. 
Holes were cut into newly finished wood floors and never fixed. 
Holes were left in the ceiling and floor of 3 bedroom closets. 
Unnecessary holes for registers on ceiling in living room and kitchen were never closed. 
The steel bars were purchased but not inserted in our concrete retaining wall on the ground level. 
Pipes from the old radiators were not removed from the floors. 
Debris from demolition was left in our yard. 

In addition to the above items, Caliber Home Loans released funds in the amount of {$5000.00} within the first draw which should have been held back until the change order had been completed. 
We communicated with Caliber Home Loans several times about the mismanagement of our funds for our home renovation and were ignored. The overpayment of funds to our contractor cut into our remaining budget leaving us with a subpar renovation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2020 I discovered two unauthorized charges occurred through my Chase Checking account through the use of my Debit/Visa Card. The charges took place on XX/XX/2020 put did not post until XX/XX/2020. The charges were made in person by someone in XXXX California first to XXXX XXXX for {$220.00}, and next at XXXX for {$510.00} on the same day. I called XXXX XXXX the same day and nothing had showed on their end. I tried to contact XXXX 's but you can not get through to them. I immediately contacted Chase 's Fraud Department which assured me that the charges would be reversed and investigated and the amounts would post back to my account within 48 hours.Let me also stated that I have lines of credit with both companies but did no such transaction with them. I discovered on XX/XX/2020 that Chase had resend the refunds and debited my account. I recall during the " recorded conversation with the representative from Chase asking if I gave my card to someone. I stated several times that I did no such thing and how could someone use my card number without having my card to make purchases in my name? I have since then contacted the Headquarters of Chase, placed a freeze on my credit reports, contacted XXXX who monitors and supervises my credit reports and profiles, and now in the process of making a police report as suggested by XXXX. It is difficult because the XXXX Police do not place this as a high priority and will take some time to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-22
Company: CITIBANK, N.A.
State: GA
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:
I applied to refinance my mortgage and i was told by the mortgage company that there was an open dispute on my Citibank Costco Visa account on all 3 of credit reporting agencies. I have called Citibank 4 times including today and spent a lot of time to get this straightened out. They keep passing me to extensions that do not pick or return messages. I spoke to someone today who told me i had to get it fixed myself with the credit reporting agencies. I said no and told him it was their mistake and they need to fix it. He said he would fill out a report and someone will get back to me within 30 days. I said that was unacceptable since my mortgage can not go forward until this issue was fixed and he said that was the best he could do.

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 2023-07-16
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Sending information to family members, and said they will be taking me to court. sharing confidential information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent my dispute letters into all ( 3 ) credit bureau on XX/XX/XXXX disputing accounts and inquiries on my credit report. The bureaus told me they would have their investigation completed in 30 days. They only have 2 days left to complete their investigation and I haven't heard anything from either of the companies. I will attach my dispute letters to my compliant claim.

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 2017-02-07
Company: Class Financial
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was contacted by XXXX phone number XXXX saying I was eligible for the obama student loan forgiveness program. Spent over an hour on the phone and doing electronic signatures. My first payment of XXXX was done through XXXX which made me suspicious.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I previously disputed adverse information reporting in my credit file. I have not received a fair and legal investigation into my claim. I have attached a letter which is my Second attempt at getting the Credit Report Agencies to follow the law according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In 2011 my car was repossessed. I was making payments although not full amount, they offered me a grace period but still repossessed the vehicle before the grace period.

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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This is my first 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXXXXXX XXXX  XXXX, MI XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2019-09-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I was victim of data breach that resulted in charges. Contacted original debitor, XXXX XXXX, explained and sent information to them. They continued to try and collect. XXXX sold debt to portfolio recovery. I advised them of issue. They called my XXXX year old daughter and told her I would be arrested if I didn't call or pay. Called my sister in law as well. Now they have filed a civil summons for XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-06
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:
inaccurate information showing up on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
HELLO, IVE HAVE BEEN BACK AND FOURTH WITH EXPERIAN, XXXX, AND XXXX TO VERIFY DEBTS AND IT HAS BEEN SINCE XXXX THAT IVE INFORMED THEM AND THEY HAVE NOT REPLIED TO ME. I HAVE MULTIPLE CERTIFIED MAIL RECEIPTS. I WILL PUT BELOW. 

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 2020-07-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been attempting to get ahold of a live person at Experian to unfreeze my account. I am trying to have mortgage lenders verify my credit so I can purchase a home. Experian can not verify my account and I can not find a fax number or a person to talk to in order to send them the necessary documentation. They have no customer service, just an automatic answering prompt which never gives the option to speak with someone, and then their website which also provides no contact information. 

This is such a pain. The other two credit bureaus were easy to work with. Why is a company this terrible with service even considered to be a standard in the industry when it comes to credit reporting? So frustrating.

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 2022-08-05
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 XXXX XXXX  XXXX Act. # XXXX, XXXX XXXX Act. # XXXX and XXXX XXXX Act. # XXXX have 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 an account without my written instructions 15 U.S. Code 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681i - Procedure in case of disputed accuracy.

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 2023-04-18
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 belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX AV XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXXBalance XXXX {$420.00} ; XXXX XXXX NA XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I referred someone to Coinbase using my referral link and he signed up for Coinbase. Coinbase 's referral program states that if you refer someone using that link and they buy/sell $ XXXX, the referrer will receive {$10.00} in Bitcoin . The person I referred completed the necessary verification steps ( verified his account with identification, bought over {$100.00} in cryptocurrency ) to get a {$5.00} sign up bonus and never received his credit, nor did I. I reached out to Coinbase on XX/XX/2021 to inquire why I never received my credit and did not receive a response regarding this specific issue until XX/XX/2021 in which they told me, " Our referral program is fully automated. Note that we are unable to manually review or credit any referrals that are not automatically paid out. We are unable to provide specific information as to why any referrals may have been deemed ineligible '' and then listed the common reasons a referral bonus would not be paid ( " account was created but not completed or verified '', or that " the account has not fully completed a purchase up to {$100.00} worth of digital currency '' ) neither of which apply to my situation. Coinbase also elaborated in a second email that a referral might be deemed ineligible due to shared finances - when I asked them to clarify what this meant, I never received a reply. Moreover, on XX/XX/2021, I also asked for a link to their Terms & Conditions that explains referral terms and received no response. It is unacceptable to tell a customer that an issue like this can not be manually reviewed. How does Coinbase know their referral system is working and more importantly, how does the customer know that Coinbase is exhibiting integrity in their referral program rather than defrauding customers?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: NJ
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:
There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation