BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-27
Company: Experian Information Solutions Inc.
State: CT
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:
I have filed a complaint more than 30 days once again I 've been disputing inaccurate information for almost 5 months and still have n't received any verification from credit bureau or companies, under the fair credit act they have 30 days to respond or it should be deleted off my report acceptance now, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX are reporting charge off these accounts are no  longer accountable the debt was sold and written of on taxes therefore u can no longer come after the person, and XXXX XXXX never was I late, I also have mutilple hard inquiries that were added back to my account I have not applied for any loans or credit card so please remove all non account holding over 30 days old this is about my third complain yet not to mention have n't received any information or verification

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 2022-03-31
Company: Marcadis Singer PA
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Marcadis Singer, PA in XXXX, FL is trying to sue me for {$35000.00} for a debt I don't owe. I have no connection to the complaint and are alleging fake and false statements. This company is harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: WV
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Only wish to pay for purchases and my bank tried to help by sending what I wed asking them to close account which they have n't done but continue to accumulate late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-27
Company: EQUIFAX, INC.
State: CT
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:
I have filed a complaint more than 30 days once again I 've been disputing inaccurate information for almost 5 months and still have n't received any verification from credit bureau or companies, under the fair credit act they have 30 days to respond or it should be deleted off my report acceptance now, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX accounts are reporting charge off these accounts are no longer accountable the debt was sold and written of on taxes therefore u can no longer come after the person, and XXXX XXXX never was I late, I also have mutilple hard inquiries that were added back to my account I have not applied for any loans or credit card so please remove all non account holding over 30 days old this is about my third complain yet not to mention have n't received any information or verification

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, 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:
XXXX 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 2017-10-27
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
There is an XXXX hard inquiry on my credit report dated XXXX 2017. I do not recognize this inquiry nor have had my credit checked during that time frame. This has been recorded without my consent or knowledge. I am willing to provide any proof that this should not be present on my credit report. Thank you in advance for your review.

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 2017-10-27
Company: Bread Financial Holdings, 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: Credit inquiries on your report that you don't recognize

Complaint:
There is an XXXX hard inquiry on my credit report dated XXXX XXXX. I do not recognize this inquiry nor have had my credit checked during that time frame. This has been recorded without my consent or knowledge. I am willing to provide any proof that this should not be present on my credit report. Thank you in advance for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: CCS Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Please be advised that i am disputing this collection due to the fact that credit collection services XXXX XXXX XXXX XXXX, MA XXXX Does not have a current license is missouri to collect on debts. This information is stating that their license is forfeited according to the secretary of state missouri. I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me with physical proof that Credit Collection services are licensed to collect in missouri. Your response is greatly appreciated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I have filed a complaint more than 30 days once again I 've been disputing inaccurate information for almost 5 months and still have n't received any verification from credit bureau or companies, under the fair credit act they have 30 days to respond or it should be deleted off my report acceptance now, XXXX consumer XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and eastern accounts are reporting charge off these accounts are no longer accountable the debt was sold and written of on taxes therefore XXXX can no longer come after the person, and XXXX XXXX never was I late, I also have mutilple hard inquiries that were added back to my account I have not applied for any loans or credit card so please remove all non account holding over 30 days old this is about my third complain yet not to mention have n't received any information or verification

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 2017-10-27
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
There is an Equifax hard inquiry on my credit report dated XXXX XXXX. I do not recognize this inquiry nor have had my credit checked during that quarter. This has been recorded without my consent or knowledge. I am willing to provide any proof that this should not be present on my credit report. Thank you in advance for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Have tried to resolve this matter with TRANSUNION on numerous occasions to no avail, Since I am currently in a lawsuit with XXXX XXXX  for violations of the FDCPA, XXXX  Is also liable under the provisions of 15 USC 1692k which is civil liabilities, and are also liable To the same amount as XXXX XXXX  is in this judgment, I have sent a Police Report, UCC 11, Affidavit of Truth, a FTC Identity Theft Report, and letter to XXXX  with no response other than this account was validated. TRANSUNION has shown no evidence of this or the method used To validate this alleged Debt, TRANSUNION has ignored the State of Illinoiss Secretary of State Office And the City of XXXX Police Departments document as to this Identity theft report and has Still reported this account as verified accurate which is also a violation of the FDCPA laws of this State, as a Federally protected Consumer, I demand this matter be resolved and also to be compensated by TRANSUNION for this Infraction.

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 2021-09-10
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
On XX/XX/2021 I sent a letter to the credit bureau 's to notify them of some addresses that don't belong to me and as of today XX/XX/2021 I have not received a response from the bureau 's nor have these inaccurate addresses removed which is believed to be a result of identity theft. I am writing to you because identity theft is a very serious matter and I would like to protect my credit report from any other fraudulent accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: EQUIFAX, INC.
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:
My problem is that equifax does not rate my score fairly XXXX is a XXXX XXXX is a XXXX and I was told my equifax was XXXX however when my credit union pulled my score it come back as a XXXX causing me not to be able to finance a thing I dont understand how my score can be that many points off from the other I feel equifax is not being fair with me I disputed negative items with XXXX they removed however equifax XXXX remove nothing even XXXX I have written proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: PA
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:
These Inquiries listed in this affidavit are in accurate. I did not inquire with these companies. Please remove these INQUIRES immediately as they are causing me harm as a consumer. Due to only being able to list XXXX here are the others. XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX I am a victim of identity theft and need these removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I wired {$37000.00} to my account at XXXX ( Coinbase ) on XXXX/XXXX/XXXX. The fund was confirmed and received by their bank, XXXX XXXX, on XXXX/XXXX/XXXX. However, it still has not been posted to my account as of today, XXXX XXXX, XXXX. Many inquires into their support channels produced no real responses. Case detail is as follow : Amount {$37000.00} XXXX : XXXX Account ID : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: PNC Bank N.A.
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
PNC Mortgage, XXXX I purchased my house in XXXX XXXX, XXXX. I been having problems with my home since purchased it. In XXXX XXXX me and my spouse separated and we agreed that i was not responsible for the monthly payments nor the interest on the home. My credit score is poor because of nonpayment reports and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
i inadvertently missed a payment on my car loan for XXXX. the last time i paid was the end of XXXX. the only way i found out is that i saw a late charge on my financial software. while i'm okay paying a late fee for my error, this does affect my credit score. i called and asked if there was a way US Bank could notify me if i missed a payment. i was told that i should have received a phone call or a letter. i received neither. they have my correct information, including my email where i definitely receive my statement each month. i do not answer my phone if i don't know the number, but i get voicemails in XXXX, i get voicemails from car warrantly companies, i get voicemails for vacations, but i never received a voicemail from US Bank. i did not receive a letter, i did not receive an email. yet my payment was 6 weeks late and they charged me a late fee with no notification that i was late on my payment. when i called in they said there was no other way to notify me or alert me except the methods that they *did not* perform. this seems to me fundamentally dishonest, wrong, and quite possibly illegal. please keep your eye on them. thank you.

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 2017-10-25
Company: Newman, Hesse & Associates, P. A.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I got a judgement placed against me in XXXX ( after the money order for the original debt had been received & cashed ). Anyhow, I thought after they rec'vd the money order they would just drop the case. They did not. They got the judgement because I did not show up to court. I hired a lawyer to help me with the case in XXXX. I thought the lawyer I hired took care of the case, only to find out recently that the Lawyer I hired had been disbarred. Now they are tacking on 10 years worth of interest & they have my social security number on display on the XXXX XXXX XXXX for the world to see. Its a debt collection Law Firm called XXXX, XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage Services There has been ongoing issues in receiving my mortgage statement in the mail and a lengthy time for them to process the payment. So much time would pass before the payment was processed, that I would receive a late notice a day or XXXX after they would process the payment. Today, XX/XX/XXXX, I received the mortgage statement for due payment of XXXX. I sent out the payment on XX/XX/XXXX with the coupon used from last month that I thought was the current one. It came to me in the mail all beat up and half open. It takes an average of XXXX days for them to process my payment. I normally get the mortgage statement late on the XXXX week of the month. I can not access a statement online to print off for my records, but they will easily take a payment. I used to have to pay extra to process payments online until I recently saw that the fee was waived because of covid. 

I contacted the company regarding this issue, the representative on the phone agreed that I have not made any late payments and I am paying extra. I was supposed to have a follow up from someone in the company and have not received any. I was told that the late payment division doesn't communicate efficiently with the payment side, and that is why I got the late notices. 

They have also had to go through my escrow account and redo the amounts taken as I would have too much extra in that account. Trying to talk to someone on the phone is very difficult since covid has struck and the call volume is always very high. I have waited on the phone for XXXX minutes before giving up. I have had to write on paper my payment, account number, how much I am paying and how much goes towards principle because I am not receiving my statements and that is the only way I can see the statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Dream Center Education Holdings
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been attending XXXX University XXXX XXXX Georgia since XXXX, and I have been having issues with the financial aid services at this particular school. When I first started the college, I was told that I would be enrolled they were charging me around XXXX every five weeks class, so when it was time for the money to be released to the college and myself, I notice things started changing. I called and they would give me an excuse about, that I didnt have all my paper work in in time so they could n't give me the remaining funds. I as was the money returned to my lender and they said that it would be used on the next quarter, but when the next quarter came, I never saw the funds and it was no longer on my account balance in the positive. I called the XXXX XXXX and asked them about it but they had no documentation showing where they sent the money back to them and this has happen a few time since I have attended XXXX University. I went and read some complaints about the college of some students who were having the same problem as well. When I contacted fasfa to ask them about how much money was given to the college, it was not adding up, so when I asked my financial counselor about it, she asked me did I receive a amount for {$1500.00} and I told her no, so she got really quite and changed the subject. I was wanting someone to check into this because I believe that they are keeping a lot of the money and that scares me because I do n't want the money that I have to pay back to be misused by a college or them robbing me blind. I thank you for your time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I sent the consumer reporting agencies letters notifying them that they Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer. They also reported without my authorization or permissible purpose and a clear violation of FCRA 15 U.S.C 1681b ( f ). I really think that they are violated my rights and I want to seek legal action about this issue.

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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
These Inquiries listed in this affidavit are in accurate. I did not inquire with these companies. Please remove these INQUIRES immediately as they are causing me harm as a consumer. Due to only being able to list XXXX here are the others. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a victim of identity theft and need these removed.

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 2018-01-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I already filled complaint you can refer to XXXX. 
I did send certified letter to Equifax with additional evidence of mistakes on my credit report, but I did not receive response. 
By law I should get response in writing in 30 business days. I am including copy of letters in this complaint explaining everything.

Company response to consumer: Closed with explanation