BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
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: Reporting company used your report improperly

Complaint:
In a accordance with the fair credit reporting act XXXX  account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2017-07-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from  ARS tha t was supposed to be validation of debt. Instead I received a paper with a misspelled name, a date, invoice number and amount. My HIPPA rights are being violated because I 've never entered into any type of agreement or receive d medical services with or from ARS. They did  not provide proof of the debt ither.

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 2022-07-18
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have an XXXX through Comenity Bank ( AKA, Bread Financial ). Comenity Bank initiated a " planned system update '' that started in XXXX ( my earliest knowledge/experience in regard to this update ). My monthly bill due date is on the first of every month. Because of their system update, I was unable to make my XXXX payment or view my transaction history through their website until the sixth of the month ( XX/XX/22 ). Since then, I have not been able to successfully use my credit card when attempting to make purchases and I am unable to get in touch with any customer service provider to discuss my account or why I am unable to make any purchases. I have never experienced such disregard for customer service with a federally regulated consumer provider. This is astonishing. Honestly at this point, I would like to cancel my account with Comenity, but I can not get any customer support to do even do that. As of recently, Comenity has not instilled consumer confidence with me as a customer and I am highly concerned that something fraudulent is occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
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:
In XX/XX/2020, someone opened a XXXX XXXX account ( XXXX XXXX ). I did not open this account. XXXX claims I owe {$20000.00} on this account. I have no idea where it was opened or what was charged on the account. I have no account number. I filed a complaint with Identitytheft.gov,, and disputes with Experian, XXXX  and XXXX. XXXX continues to claim this is my account. I have never been contacted by XXXX. I have tried to contact them, but that's impossible without an account number ; you get caught in an automated loop.

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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2018-05-17
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried to due a loan modification with Caliber home loans they have gave me the run around and request document after document from telling me to keep sending in more documents and having me speak to a number of different people leading me to believe they will work with me only to have me fall farther behind and then tell me they cant help me and try to foreclose on the property leading me to more late payments. I am more than 90 days behind the bank will NOT accept a mortgage payment over the phone or online portal. I summited my 1st request for a loan modification on XX/XX/2017, as my mortgage payment increased, caliber home loans home loans sent me a letter acknowledging, all documents were received then turning around and saying additional documents were needed. I then open up an online portal on the caliber loans website to upload documents they needed after looking at the portal caliber home loans still had the same request for those same documents I called the point of contact and they acknowledged documents were received, caliber home loans continue to extend the process. I have contact Caliber home loans and have brought it up to their attention and they have continued to lied. I have many documents, one recording and a phone call log of caliber home loans not answering my call and dropping the call after transferring over to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: CAINE & WEINER COMPANY, 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:
This company I do not OWE nor have had the option to request for validation. This is inaccurate and I am requesting validation be sent through this portal. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: DE
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:
I Tried to obtain auto loans and my credit was shopped around without my consent, the same thing happend when I tried to apply for some credit cards also. I checked my credit and saw that I had 84 hard inquires that I didn't recognize. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We pay tax directly to our town. My wife forgot to pay tax man in late XXXX and early XXXX. When I was notified I sent BOA a payment for XXXX in XX/XX/XXXX to get us back on schedule. BOA has been screwed up ever since. After I finally got a person to return our call she ended up asking for us to send her XXXX and they would refund it. We said OK but need this in writing. She ( XXXX ) said they can not put anything in writing to us. Im concerned that they are going to keep this madness going for another year. We have made all tax payments and mortgage payments and need BOA to release us from XXXX payments. All of there branches are closed in NJ and no one can fix there computer problem. They acknowledged that they can see the tax collector has returned 3 quarterly tax payments. They are threatening to take our house and refuse to stop. Help us help them!!! We have not missed a payment in over a year and it was an error. Have been with BOA since XXXX. Help 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 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I contacted TransUnion after reviewing my credit report in depth and noticing several inquiries which I did not authorize and do not recognize. I explained that I have had ongoing issues related to identity theft after I was impacted by the XXXX XXXX  data breach. I just recently resolved a fraudulent account that had been opened in XXXX as a result, and I am concerned that the unrecognized inquiries were made fraudulently. I would like the following inquiries removed. 

XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to formally dispute and register a complaint regarding the repeated inclusion of inaccurate addresses and collections on my credit report. These inaccuracies have caused me significant distress and have adversely affected my creditworthiness. I have attached a copy of my credit report highlighting the disputed entries for your reference. I have identified several instances where incorrect addresses have been associated with my credit report, as well as collections that I believe have been inaccurately reported. These discrepancies have not only been a source of frustration but have also hindered my ability to access credit and secure favorable financial terms. 

I would like to emphasize that I have never resided at the addresses in question, nor do I have any knowledge of the collections listed on my credit report. These inaccuracies are causing unwarranted harm to my creditworthiness, and I am committed to ensuring that my credit report accurately reflects my financial history. 

I kindly request that you conduct a thorough investigation into these discrepancies as required by the Fair Credit Reporting Act ( FCRA ). Specifically, I request that you : Verify the accuracy of the addresses listed on my credit report and promptly remove any addresses that are not associated with me. 
Investigate the collections listed on my credit report and verify their legitimacy. If any of these collections are found to be inaccurately reported or not mine, please remove them immediately. I also request that you provide me with a written response within 30 days of receiving this complaint, outlining the actions taken to correct these inaccuracies. If you require any additional documentation or information from me to facilitate your investigation, please do not hesitate to contact me. Please assist me to delete these following inaccurate addresses and collection 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 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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX, Transunion, XXXX refuse to remove an address that does not belong to me. its removed and then reappears

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Oklahoma XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX and I am writing to dispute several negative items that have been reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate and outdated information be removed from my credit report. 

Firstly, I would like to dispute the following account : XXXX XXXX XXXX XXXXXXXX XXXX, Account Number : XXXX. I have noticed that the same incorrect information is being reported, and nothing has been updated. Therefore, I request that you remove the incorrect late payments from this account as soon as possible. 

Secondly, I am disputing the account : XXXX XXXX XXXX XXXX, Account Number : XXXX. I am interested to know how you are always able to verify something that never actually happened. I dont remember ever being late with any of my payments. Therefore, I request that you remove this harmful incorrect data immediately from my credit file. 

Thirdly, I am disputing the account : XXXX XXXX, Account Number : XXXX. Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. I request that you fix or delete this account from my report completely. 

Fourthly, I am disputing the account : XXXX, Account Number : XXXX. Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. I request that you fix or delete this account from my report completely. 

Fifthly, I am disputing the account : XXXX XXXX, Account Number : XXXX. Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. I request that you fix or delete this account from my report completely. 

Sixthly, I am disputing the account : XXXX, Account Number : XXXX. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Lastly, I am disputing the account : XXXX  XXXX XXXX, Account Number : XXXX. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

I respectfully request that you investigate these disputes in accordance with the FCRA and provide me with a written response. If you find that any of the information I have disputed is inaccurate, I request that you correct or delete it from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2021-08-29
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: Account status incorrect

Complaint:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to en-sure accuracy. My Account currently states Serious Delinquencies on all of my reports. 
This LABEL has seriously hurt my credit rating and I am requesting that is be removed from all bureau reports. 

Here are the items I am asking you to verify as accurate : 1. Through previous correspondences, I have shown that XXXX did not follow suit and remove the file from all three reporting agencies. The file was only removed on Transunion. I am requesting that a follow up be made to make sure this XXXX file is removed from XXXX AND XXXX  ALSO. 

2. Through Previous correspondences, I have shown that XXXX/Dept. of Education has reported inaccurate information regarding my account. XXXX has reported late Payments stating 90 and 120 days when my payment history clearly shows that I was Current the previous month so it was impossible to be 90 days late. I am requesting that this file be deleted due to inaccurate information Due to these inaccuracies, My credit file has been labeled as Serious Delinquencies which is currently damaging my credit worthiness and costing me great harm financially

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 2019-03-13
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased an XXXX XXXX XXXX XXXX from XXXX on XX/XX/2018. The  first day I purchased the car upon leaving the dealership I noticed that the entire driver side of the car was kinda of shiny with a different colored paint. As i went to inspect the car more in detail ; I rubbed my hand across that area and it hard very rough and hard. I informed XXXX of my issue. I had to leave the car with them about an additional week before receiving it back from repairs. About 1 month late around XX/XX/2018 I had to take my car in the shop again due to engine and service issues. This was repaired per the XXXX XXXX, but I was responsible for the deductible. The car was having issues with the engine and broke down on me. In XX/XX/XXXX I had to place my car in the shop again due to similar issues, and also something with the electric components in the car causing my headlight to go out. Again, I had to pay out of pocket to get that fixed ; minus the Careplan coverage. My car went back into the shop again in XX/XX/XXXX due to more service issues. After this repair I was pretty much done with the car and the deal. I contacted XXXX and numerous occasions regarding the issues I was experiencing with my car. I left over 7 messages for the General Manager of the location. I refused to keep paying for a car that had continuously given me problems from the time of purchased. I made several attempts to surrender the car back to XXXX and cancel the loan. I contacted their corporate office ; who in turn refused to help me. I surrendered the car to the bank due to refusing to make payments for a car that did not work. I feel how i was treated was unjust and that XXXX failed to deliver on their promise of providing great service. 

I would like for XXXX to cancel out my loan with Santander bank and cover the charges of my repossession due to the car having significant issues within a short period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Coinbase, Inc.
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I attempted to remove my money fro m Coinbase but w as not able to.     On   XX/XX/XXXX , I m oved   XXXX   from my "  Vault '' account to my " Wallet ''  account. After attempting to send this   XXXX   to a service ext erior to Coinbase on  XX/XX/XXXX , I was inform ed that for my protection the transaction was delayed . Coin base  notified me that if I verified my account the transaction would verify instantly.     I verified my account and now the transaction remains pendi ng over 24 hr later. T hey are intentionally withholding my bitcoin.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief