BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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. 

XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 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 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 2018-02-03
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: Old information reappears or never goes away

Complaint:
Student loan from XXXX was paid off over ten years ago and this account still show on my credit report this account is to old to be on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am NOT a third party or a credit repair person, My name is XXXX XXXX and I am a victim of identity theft

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 2019-03-03
Company: National Recovery Service, Inc.
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I started XXXX XXXX College which was told I received a Pell Grant to go for XXXX $ I finished in XX/XX/XXXX because I had family issues but graduated in XX/XX/XXXX paid cash I did not sign any forms for loans. Here it is XX/XX/XXXX and they send me this bill. But the cost to finish was only 4 or 5000 $ in XX/XX/XXXX..This debt is Not my debt I am disputing it. Because XXXX at the time went to XXXX  for embezzlement students loans she only had me sign a form that's all ... back in XX/XX/XXXX I signed defer papers moved numerous of time and offer to pay when it was XXXX $ but I could only pay XXXX $ a month they denied me saying it was too low it had to be XXXX  or more I was struggling on welfare monthly check was XXXX . I couldn't afford XXXX $ a month they wouldn't accept so here I am haven't been able to pay I am XXXX XXXX and have XXXX income.They Use My Social security Number in a unlawful practice.I can't buy it sell anything with this on my Credit ... everyone goes by good credit scores. KJV Bible verse says a good name is more precious than rubies.I want my good name back this corporation have allowed these entities to ruin my life

Company response to consumer: Untimely response
Consumer complaint received 2019-11-18
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom, it may concern my name is XXXX XXXX XXXX I am writing to inform that after reviewing a copy of my credit report I have discovered that I am a victim of identity theft because there is an account in my credit report that is fraudulent ( including 2 inquiries ). The situation has caused me to be very depressed and troubled. I am in the process of buying a car for my son that is going to college and I want this matter to be fixed ASAP. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: EQUIFAX, INC.
State: MO
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:
For the 2nd consecutive month, I'm disputing this account ( XXXX XXXX   {$9.00} ) inwhich I've also requested for the credit agency to either send me their detailed Method Of Investigation into this matter or remove / block this account from my credit report as my right as a consumer as stated in the FCRA laws. I'm looking for the name and title of the employee inwhom determined that the account was verified. What physical documentation support their findings. No one ever showed me any kind of physical documentation that makes me liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: McCalla Raymer Leibert Pierce, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I, XXXX XXXX XXXX, am the son of XXXX XXXX XXXX and XXXX of the successors in the interest of the loan. XXXX XXXX XXXX, as a consumer and creditor, issued her credit card ( 15 U.S.C. 1602 ( k ) ) to XXXX XXXX XXXX, a consumer credit transaction was completed on XX/XX/XXXX, an extension of credit was granted, which created an account with XXXX Mortgage XXXX and pursuant to 18 U.S.C. 8, the bills/coupons are the obligation and responsibility of the United States , fully paid for the property at address XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX, for personal, family and household purposes. XXXX XXXX  XXXX disregards 18 U.S.C. 8 and persistently uses mail monthly in attempts to collect debt ( mortgage payments ) via the mortgage address. XXXX XXXX  XXXX claimed via usage of mail for the purpose of collecting debt ( mortgage payments ) that documents were mailed per requirement of the Fair Debt Collection Practices Act. 1. McCalla Raymer Leibert Pierce , LLC, on behalf of XXXX XXXX  XXXX, disregards 18 U.S.C. 8 and via usage of mail, attempts to collect debt ( mortgage payments ) at the mortgage address is harassment, abusive and oppressive. 2. McCalla Raymer Leibert Pierce , LLC 's use of " borrower '', " loan '' and amount of {$4600.00} is a false, deceptive and misleading representation that runs the risk of repayment of the property that has been fully paid for. XXXX. McCalla Raymer Leibert Pierce , LLC stated that if a payment of {$4600.00} is not paid by XX/XX/XXXX, then a foreclosure sale will proceed, is a false, deceptive and misleading representation that also runs the risk of repayment of property that is fully paid for. 4. McCalla Raymer Leibert Pierce , LLC on behalf of XXXX XXXX  XXXX, via usage of mail for the purpose of collecting debt, failed to disclose within their mail that they are a debt collector attempting to collect debt, is a false, deceptive and misleading representation that runs the risk of confusion and misunderstanding. 5. XXXX usage of mail for the purpose of collecting debt, McCalla Raymer Leibert Pierce , LLC 's threat to sell the property in the non-judicial foreclosure state of Georgia is an unfair practice that invades privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase ( Coinbase.com ) has verified my identification via my photo-id and everything. I have some of my money stuck in my account because I am not able to withdraw using my bank. They required additional information like my SSN and address which I attempted to complete for the longest time. I emailed them ( over the course of 3 months ) because there are technical difficulties when submitting my information ( they use a 3rd party system to verify IDs ). Their system keeps saying they couldnt locate my id. I just want to take my money out of my account because i literally cant buy or sell on coinbase anymore because of their flawed 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
ALL " CRA '' REFUSE TO ADD MISSING ACCOUNTS INFORMATION TO CREDIT FILE ... .. ( 3 ) CREDIT CARD ACCOUNTS : " XXXX , XXXX XXXX AND XXXX XXXX '' ... I HAVE SENT EACH " CRA '' NOTICES AND PROOF 4X AND ALL " CRA '' FAILURE TO COMPLY.

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 2019-03-03
Company: ADP, LLC
State: WI
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
After not using my card for almost 3 years, the Global Cash Card company would not activate a replacement card. The operator that was spoken to on XX/XX/2019 at XXXX XXXX Central Time, was looking for a catch phrase as he called it to identify the caller. Some secret catch phrase was never made by me. The company had to make up some type of word. The only thing I made was a PIN code by telephone, not by the internet. Therefore, the customer rep blocked the old card instead of giving me a chance to find it. This action caused a delay in payments of bills, thus making it impossible to make a 52 mile round trip for work to be done starting XX/XX/2019. When calling the number XXXX for customer service, the processor told me that it would take 48 hours to solve the issue. This would be handled on business days only meaning we have an unsolved issue for 6 days due to the fact Friday was XX/XX/XXXX. We have two days on the weekend along with Monday and Tuesday being the XXXX  and the XXXX  meaning by the XXXX of the month this issue may still be unsolved. Global Cash Card refused to make a simple bank to bank transfer of money that did not belong to them although it was going to another account with my name on it. According to them the entire world banking system is on shutdown due to the fact that they blocked my card. Thanks to this company my telephone will be off until Thursday or Friday which will be an entire week. During that time I can not accept jobs through the app services, while other bills are delayed. Unfortunately we have to deal with this company to get the money that we make. If it was my choice I would use another system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX  XXXX XXXX XXXX is showing i have a balance and that the account is charge off bad debt. 

This account was paid off in full and was not a charge off. They even sent me the title after paying the account off.

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 2020-12-15
Company: ALLY FINANCIAL INC.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been a with ALLY FINANCIAL customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

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 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Hi, I am perplexed as to why receivables performance remains on my credit report after I have asked for a validation of this account. There is/was never a contract with the original creditor XXXX, I see a balance reporting of {$110.00}. What are the steps taken to validate this account as mine? 


Receivables performance did advise of a prorated amount and XXXX advised they don't require contracts if it isn't a business. However, that is not acceptable as I am advising this is not my account. This has become a direct violation of FDCPA and if not resolved immediately I will further my 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 explanation
Consumer complaint received 2018-10-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TOYOTA FINANCIAL SERVICES XXXX The company is reporting inaccurate information on my credit report. There should be NO LATE payments reporting as I was approved for an Extension on my loan. Please review my file and correct the errors immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Experian refuses to remove 4 bankruptcies on my report. I have sent the 4 notarized dispute letters. Also the jurisdiction the bankruptcies were filed in is out of my jurisdiction. The zipcode is wrong also. My zipcode is XXXX the zipcode the were filed under is XXXX and they refuse to remove it. I have been working on this since XX/XX/XXXX of last year and the a refusing to move it.

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 2018-04-29
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, there was a fraud charge on my card. I informed My banking institution, they gave me provisional credit for XXXX. On XX/XX/XXXX the provisional credit was taking back, i called the bank and i ask them why did they take the money out of my account, the banker told me it was taking because they did not receive my my claim back that was mail to me, i informed her that i did not receive the form. The lady informed me that the claim was put in as a dispute, i informed her that it was not a dispute that it was fraud. So the lady informed me that since this was fraud that they were going to wave the check fees. The lady also told me that i had to go to my home branch and sign the documents, then they could rush my provisional credit, so i went to the home branch and sign the documents. then i called the bank again and informed them that i went to the home branch and signed the documents the lady told me ok, then she told me i will receive the provisional credit in three days.I called the bank back on XX/XX/XXXX what happened to my provisional credit, the lady informed me that my claim was denied, and that is why i did not receive the credit. I informed the banker how could she deny my claim when they made the mistake and file it as a dispute and it was fraud, and i did not make this charge. I informed the banker my wallet was lost. and someone found my wallet and use my debit card, my pin was in my wallet because i had a head injury so i forget stuff real fast. I also informed the credit beaural That my Identification was stollen also. they waved the fees but they denied the 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 2023-07-22
Company: The Law Offices of Kenosian & Miele, LLP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This letter is my formal dispute notice regarding XXXX cases that refers to the XXXX  XXXX XXXX Acct ( XXXX ) back in XXXX. Plaintiff is XXXX XXXX XXXX XXXX ll, XXXX and the Law Offices of XXXX and XXXX, XXXX. I am the defendant and a victim of Identity theft and fraud. 

As reported to the XXXX XXXX XXXX XXXX XXXX. Levying XXXX. I responded to inform them that their information was completely inaccurate, fraudulent and a matter of identity theft. I requested that they return my earnest money that was levied.

They took {$1500.00} which was garnished from my bank account, including the miscellaneous debit garnishment processing fee of {$100.00}. They have taken my time at the court house, the sheriff dept. and I had to research information which was extremely stressful. Not to mention the gas money to travel back and forth for weeks. I am not a lawyer! Therefore, I had to learn things and gather information and paper work that I am unfamiliar with. I still don't have an attorney. 

I demanded that they validate this information by providing me and the XXXX XXXX XXXX XXXX. We have tried to XXXX XXXX  XXXX XXXX for proof of records and asked that the law firm that took over this case to substantiate this debt. 

The case was recently brought to my attention for the first time as of XX/XX/XXXX. On that day I received a letter of ( XXXX ) XXXX pages in the mail from the XXXX department in regards to this case. 

I have never received any summons or been served by the court in regards to this allegation prior to this month, XX/XX/XXXX. When I received this letter I went to the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. in XXXX, CA. to inquire and receive a case file with ( XXXX ) XXXX pages of non-conclusive information, accusing me of an alleged debt with NO Authorized SIGNATURE of the acclaimed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Source Receivables Management LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Source receivables management, I, XXXX XXXX have written this dispute letter to dispute a claim that is falsely listed on my credit report. The amounts owed are no longer outstanding. You have not proven to me that this debt is mine nor have you shown me the original contract. If you can not provide the original contract stating that this is my debt then it is legally required to be removed off of my credit report. 
This is my official and last request to have the aforementioned item deleted off my credit report before taking legal action. 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I purchased the bluebird card and loaded a {$190.00} on XX/XX/XXXX. 
I tried to use after I bought it and couldn't, so I went back to XXXX and spoke to a supervisor and store manager and they said it had to be on your end. 
Because my receipt showed it had been scanned upon purchase and loading the {$190.00}, that I had to call Bluebird/American Express. 
Bluebird shows it's an invalid card ( was not scanned appropriately ). 

I have called at least 40 times and I have spoken to 8 or 9 supervisors and also spoke to XXXX in prepaid resolution dept and his supervisor. I was given an email address to forward documents for resolution and would get something in the mail within 5 to 7 days. 
Because the 3 fax numbers that had been given to me, I was continuously told they didn't receive my documents. 
After emailing on XX/XX/XXXX to XXXX I called back 2 hours and verified docs were received and spoke to XXXX supervisor and was told they had to forward documents on to the group that handles my type of complaint with the card. 
I emailed documents on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX. 
I asked for an update and to no avail. 

I'm still waiting, no update or communications.

Company response to consumer: Closed with explanation