BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
Company: I.C. System, Inc.
State: CA
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:
On XX/XX/XXXX and XXXX I wrote two letters. XXXX to XXXX, XXXX. The other to I.C systems. I asked both companies to prove I owe the debt, and prove that they own it. Neither has complied, and they're still reporting on my credit file.

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 2019-12-11
Company: Experian Information Solutions Inc.
State: AZ
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 have contacted XXXX on several occasions, I even emailed them also included my theft affidavit and still no response. I have disputed this account with the credit bureaus and still no luck speaking to anyone regarding this fraudulent account. I never had an account with this bank never even heard of this bank. I have requested that this be removed from my credit report. I have done my part and sent letters, contacted the credit bureaus as well as sent the company letters and no one will assist me. I never authorize this account and I want this off. When I checked my account its listed as a deposit account but on my credit its showing as a loan which also lets me know this company is fraud and according to the FCRA this is against the law. I am now forced to take legal action if we can't have this resolved. I have disputed this infomration with the Experian as well letting them know this account is fraud and experian is still reporting fraudulent activity as well as showing this as a tradeline I have never done business with this bank it even shows on the account deposit related so I am sure according to metro 2 compliance the fraudulent account was entered wrong in the system. I want this fraudulent account off my credit report seems to me both of these companies are 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 2020-01-23
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I started receiving calls from XXXX on XX/XX/20. The CID states simply that it is a toll free call. They never leave a message. I do not answer unknown calls but I do screen so I can answer if it's something or someone who needs my attention. After several calls I blocked this number. They continue to call but at least my phone doesn't ring and I ignore them. An online search of several web sites revealed this to be a call from Credence Resources Management in XXXX, TX. Some people have described them as rude and aggressive and demanding personal information such as addresses, birth dates and credit card numbers. One person said they were told they could pay with a XXXX XXXX gift card. If that's true, then it's definitely a scam. I have had other calls I'm sure were spoofed numbers, although I can't prove it because I didn't answer, but they occurred with the same pattern of calling. One was from a wireless caller in XXXX XXXX, TX ( XXXX ) occurring at the same time as previous calls. No message left. This morning they tried a new tactic. At XXXX XXXX the phone rang. The screen simply said " unavailable ''. I screened the call and at the end of the voicemail greeting a robotic female voice said " good-bye '' before the recording started. The screen then alerted me that I had 1 missed call. To erase that notification I pressed the CID button on my phone and this 866 number was revealed. This means this was a robocall. I have never even heard of this company much less done business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXL XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number XXXX XXXX Account name : U.S. DEPARTMENT OF EDUCATION Account number : XXXX Account name : XXXXXXXX XXXX XXXX  Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account XXXX : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX I Account number : XXXX Account name : XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: LAND HOME FINANCIAL SERVICES
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a VA Loan Mortgage with Land Home Financial. On XX/XX/2022 both Land Home Financial and myself received notification of my request for property tax exemption based on my 100 % XXXX from the military. It stated that I would receive 100 % exemption by the City and County of XXXX. I sent copies of that letter to Land Home Financial on XX/XX/2022 along with the property assessment paperwork. On XX/XX/2022, I received from Land Home Financial Tax Division, Escrow Department a letter stating all/adjustments have been completed. Since I didnt receive any adjustment to my mortgage payment, I called Land Home Financial several times , speaking with XXXX XXXX XXXX XXXX a supervisor ), and XXXX from Customer Service XXXX who all asked me to resend all the paperwork regarding my tax exemption. The last time I sent paperwork was XX/XX/2022. At that time I was informed a change would be made within XXXX ( XXXX ) days and I would receive written notification within XXXX ( XXXX ) days. On XX/XX/2022 I received online an Annual Escrow Account Disclosure Statement and Change of Payment Notice. It reflects an increase of property tax payments instead of a decrease as assessed by the City and County of XXXX Property Tax Office. Also received on XX/XX/2022 was a check from the City and County of XXXX a refund check for the Real Property Tax that was paid after the change in exemption status. Now, I dont get any response from Land Home Financial and I am not allowed to speak with anyone outside of Customer Service because their Escrow Department Tax Division does not take calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-03-16
Company: EQUIFAX, INC.
State: TX
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, The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 Name of Account Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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 was a victim of identity theft back in XXXX. In the process of becoming a victim of XXXX XXXX I had to get a protection order and move within 48 hrs to a private XXXX XXXXXXXX shelter for XXXX XXXX  with my XXXX out of state in XXXX Georgia. In that process my identity was stolen with a lot of my belongings. 

I did not realize this until later. I believe I had a police report from one state when I reach out for it that police station was not able to pull everything but they were able to help me with record numbers, I then needed a detective to get those records. 

On/around XX/XX/XXXX I was served Court documents to show up at court. I called to confirm that I would be there with my attorney and my documents and the date was for XX/XX/XXXX Once I was here in Georgia my identity was stolen as well & I have police records for that. I went to court on XX/XX/XXXX for my Civil Case with Portfolio Recovery Associates , LLC with the XXXX XXXX XXXX XXXX XXXX State of Georgia to plea my case and it was dismissed. 
Now on XX/XX/XXXX they have again re-opened this case under Portfolio Recovery Associates LLC on my credit report in that same amount of : {$1600.00} which is the judgement amount I was dismissed for without prejudice and I have a copy of this judgment from the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I swapped phones over the weekend and lost access to my 2 factor authentication for coinbase. I have been locked out of my account and can not withdrawal or trade. It has been 48 hours that they have been holding me hostage and they have let me know it could last another 48 hours, costing me valuable time and money. There is no customer support or reason for this delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Alpha Recovery Corp
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The Company is in violation of the Fair Debt Collection Practice Act, 15 USC 1692g a law that is supposed to be enforced by the CFPB.

When they began harassing me over debt, I looked up their corporate address online and mailed a copy of the attached letter. They have failed to comply with the request in the attached letter made under the Fair Debt Collection Practice Act, 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: OneMain Finance Corporation
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a loan with XXXX XXXX XXXX, and it is due on the XXXX of each month. But since the Gov. of La. shut things down I have lost my job, but I pay the note, but it has to be on the first of the following month. So at most, it is usually 6 or 7 days late. But it gets paid every month, it is not behind. But the company calls at all times of the day, and during my work hours. For example, the loan is only 2 days passed and they called me 4 times. There are even times that they call me from different numbers or at one point had a friend of their 's call my cell. so they obviously gave my number out. 
I have told them repeatedly that I will make the payment on the first and they keep calling, at times they are rude. Obviously they are deceptive and misrepresent themselves. I am doing the best I can, It is not my fault this state decided to shut things for no reason, which cost me a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: IL
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
I noticed a bankruptcy charge off account on my credit file early last year and Ive since then have been disputing this account with the 3 major credit bureaus XXXX has verified the account a a fraud account and since then has removed this account entirely off my file but XXXX has been giving me the hardest time to do the same I honestly believe hat they do not even try to verify the account the just go off previous notes and make their decision based off of that For example I filed a dispute over the phone with them yesterday regarding the fraud account and with in hours the results where ready verified as mine .. I contacted the court and they verified that no one reached out to them and the notifications they had none where from XXXX pertaining my file! How did they verify it was mine?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account XXXX : XXXX has violated my rights. Or the list of inquiries 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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a business account open with Bank of America. About 3 months ago this account was closed and the mailed me a check for the balance of my account in excess of {$8000.00}. I received the check and due to an issue with trying to deposit it, I did not receive the funds from this payment. I called Bank of America in effort to resolve the situation, and was informed that I would need to wait for 90 days for the original cashier 's check to expire in order for them to issue me a new check. I called them sporadically during those next 3 months to confirm this information and stay updated on the status of my check. I was never notified of any change in the situation and was always given that same basic information that I would need to wait for the check to expire. I called them today, XX/XX/XXXX, the day after the check should have expired, and was told that they issued me a new check and mailed out on XX/XX/XXXX. I have not received this check. Now they are telling me I need to wait until that check expires, another 90 days, for them to issue me another check. I have been waiting for 3 months to get my money. And now I'm being told that they went against their own policy that they've been holding on to for the last 3 months and issued me another check without my knowledge, that I did not receive and I can not wait another 3 months to get paid. This is ridiculous and unacceptable. I need my money. This money is my back payment from my unemployment as I am currently unemployed and I desperately need these funds. I have already patiently waited far too long, to have to deal with this bureaucratic XXXX from a bank. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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: Account information incorrect

Complaint:
On XX/XX/XXXX, I sent out certified mail letters to each XXXX XXXX XXXX regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. This can not be a repossession because XXXX XXXX XXXX XXXX has never owned the car in the first place. If I bought this car from a local car dealership, how can they repossess something they have never even owned in the first place? Therefore, it is being reported as inaccurate. 
XXXX XXXX XXXX  U Account Number : XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. XXXX Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX. These late payments need to be removed because XXXX is reporting me being 60 days late in XX/XX/XXXX when my XXXX XXXX shows I paid on time in XX/XX/XXXX. 
XXXX XXXX  Account Number : XXXX They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report.

Please delete these items from my consumer 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