BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They have not validated the debt by producing a payment history and original contract of my signature. 

Also have violated FCRA Section 604 Permissible Purpose and FCRA Section 609 Disclosures to consumer Also, it is not Licensed in New Jersey

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: QuickClick Loans of Illinois, LLC
State: AL
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:
Dear CFPB, Brookwood Loans Ga., XXXX, XXXX, XXXX. I have submitted theft /fraud affidavit to each of you as well as police report. Back in XX/XX/XXXX someone stole my identity that lived in XXXX XXXX Nevada. Until this day I am trying to regain my ctedit back. I noticed the Brookwood loan on my credit report. Now I actually thought this was from XXXX XXXX where I purchase my vehicle. I am requesting more information on this " online loan ". Who get a online XXXX loan? Sounds fishy .well it was n't me. I believe my son girlfriend who moved in with us in XX/XX/XXXX open this account up in my name. I trusted her like a daughter she ran errands where I gave her my debit card. She paid bills. She is the only person that could have open this fraudulent account in my name. I plan on pressing charges and prosecuting her to the fullest extent. I am requesting any and all information provided to Brookwood loans be mailed to me. I am asking Brookwood loans to review my police reports and see I am indeed a victim of identity theft. There was a auto loan, and XXXX personal loans in my name in the state of Nevada. Now there is another loan. With Brookwood. I am asking a FULL and thorough investigation and i am asking for a full removal from my credit file. I will mail all supporting documents to Brookwood Loans XXXX Ga. To all XXXX credit bureaus this is again FRAUD and I am requesting immediately removal after investigation. There is a fraud affidavit and police report already on file with each bureau please investigate this matter thoroughly. What I have gathered from google search is that Brookwood loans operate online. How was someone able to obtain this online loan in a different state. From Georgia? I plan on hiring a Attorney if this matter is n't remove from my credit file because it was n't me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
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: Account information incorrect

Complaint:
I asked Experian and XXXX to remove this information on my report as it is incorrect. 
They never did!

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 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ACEPTANCENOW XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX 2020

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 2019-09-25
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX keeps putting a XXXX account on my credit report, Equifax, that is not mine. 
Equifax takes it off and it re-reports. 

This XXXX account has been sold and re-reported three times in the past 14 months. 

My social and name is not associated with this account and the address they use to report it is not mine either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent in all required documents to the credit reporting agencie Experian that I was a victim of identity theft and showing the accounts were not mine. I have disputed these items for over a year and nothing has came across to show that I owe this debt. I have even disputed again XX/XX/2018 and got a response back XX/XX/2018 with no investigation it vervication again saying they will not change or look into it. I have ask numerous times please show Me a contract or something showing that I even owe this account and nothing has happen. I called the creditors as well and nothing this is my final plead to get this resolve.

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 2022-02-04
Company: Experian Information Solutions Inc.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On all of the websites below, including your website, and my credit report it clearly states that, " You can contact the nationwide credit reporting companies online, by mail, or by phone : '' to make a dispute. 

I have tried every option on experians automated phone service with every number they list and it will not allow me to make a dispute by phone! This is clearly false information published by them and you and should either be taken down or better yet just actually be able to make a dispute via the phone number. 

It has vague information on my report like, " Too many accounts opened recently '' so I want to see what accounts have been opened to verify this information is correct but it's not stated on my report and I can't get a hold of anyone to even see if I have a dispute to make! 

I don't want to file a dispute until I know that I actually have a dispute lol Please fix these issues or bring it to the attention of someone that can. 

XXXX XXXX XXXXXXXX/ XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: ENCORE CAPITAL GROUP INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021 I went to court as a defendant against Midland Credit Management. XXXX XXXX was the attorney through XXXX XXXX XXXX, for the Plaintiff. I settled to pay {$2500.00}. I paid the amount on XX/XX/XXXX. The debt was removed from my credit report. On XX/XX/XXXX, the remaining balance, of the original debt was placed on my credit report as a collection with Midland Credit Management. I went through XXXXXXXX XXXX site to have it removed. Midland is stating that the account is valid. I have received email and mail documentation from that law office that the debt has been paid and settled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-29
Company: MoneyLion Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I noticed right after got the loan that my paydays were wrong. So..I reached out to them to try and get them fixed. I was told that I had to email the support team to get this handled. They take out a membership fee and the actual loan payment seperate. They fixed the membership part..so that comes out now on the correct date..but the loan payment does not. I have been calling..and emailing. When called they told me to reach out via email..I have accrued so many insuffiecint fund fees of {$35.00} +..because it's like a trickle affect.until I can't afford tto pay the loan anymore..No one will help me with this matter. I'm frustrated and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
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:
XXXX ACCOUNT NUMBER XXXX IS REPORTING A LATE PAYMENT ON MY ACCOUNT. THIS IS INNACURATE INFORMATION AND IS BEING REPORTED TO THE CREDIT BUREAUS. PLEASE REMOVE FROM REPORT ASAP.

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 2018-01-04
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Hello, I 'm a XXXX XXXX XXXX XXXX that uses Coinbase.com to sell my virtual currency. I have not had an issue to doubt their integrity until just a few weeks ago as my previous experience with XXXX is rather painless. I submitted a wire transfer withdrawal from my XXXX account to my XXXX XXXX XXXX checking account for the amount of XXXX The website advertised there is a 3 day delay at the time of submitting this withdrawal wire. I waited 3 business days and opened up a support ticket on their website which was answered promptly, but with a generic message ( summarizing ) " the services are delayed due to high volume ''. Fair enough, it was a high point in the crypto-sphere, I can understand there is lots of volume. So I waited some more and posted a response to that same support ticket ( case XXXX ) asking for an update which was on XX/XX/XXXX. No response so I posted once more on XX/XX/XXXX for an update, no response. It 's now been 13 business days and no one is taking ownership of this issue. I believe there are more people impacted by this as social media is also reporting lots of failed communication attempts. 

I called my bank to verify that the wire was not rejected and they confirmed no wires are pending or were rejecting to my account. 

I am hoping you can help as this may be a small amount of money to some, but for me it 's a relatively large amount. The reference code given to me by Coinbase for the transaction is XXXX and is marked complete on XX/XX/XXXX I am hoping you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am disputing this account as my consumer rights under the Fair Credit Reporting Act and the Fair Debt Collection Act. On XX/XX/2021, XXXX. XXXX, XXXX mailed me a demand letter which I received on XX/XX/2021, on XX/XX/2021, I noticed that XXXX. XXXX, XXXX furnished a derogatory account to the Transunion which is a violation of my consumer rights because under 15 U.S. Code 1692g ( a ) NOTICE OF DEBT ; CONTENTS a statement that unless the consumer, within thirty days AFTER receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. 


XXXX. XXXX, XXXX Account number : 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 2019-09-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed inaccurate personal information including name and address. I have also disputed fraudulent inquiries on my credit. I have been informed these have all been verified as accurate. I then requested information about the verification process approximately 20 days ago and have only received a copy of my credit report in response. There is no response to method of verification request and the inaccurate information remains. I have delivery confirmation on XX/XX/19 of the request I sent. This problem is with all three credit bureaus including XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 without 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 XXXX  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

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 2022-10-13
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: MO
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 without any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
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: Public record information inaccurate

Complaint:
Under the new law, which went onto effect XXXX XXXX, 2017, any public record data must include name and address as well as SSN and DOB in order for it to appear on my credit file. As seen from my attachments, the credit bureaus have not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Sequium Asset Solutions, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I switched from XXXX XXXX XXXX to XXXX in XX/XX/XXXX. I was contacted by a collector from XXXX XXXX XXXX XXXX in XX/XX/XXXX that I had an outstanding balance of {$1200.00}, I informed them I was disputing the debt and then contacted XXXX XXXX XXXX directly. I spoke with an XXXX XXXX XXXX agent and we worked through the charges and identified some major discrepancies in the charges. I was told they would look into the charges and escalate. I received no communication until I was contacted on XX/XX/XXXX by Sequium XXXX informing me that I still had an account with XXXX XXXX XXXX that had a balance now of {$1700.00}. I informed the agent that was disputing the debt and would be contacting XXXX XXXX XXXX directly. I asked that they send me an official letter since I wanted to make sure it wasnt a scam. I received the letter on XX/XX/XXXX and was dated XX/XX/XXXX. On XX/XX/XXXX, I was informed by the credit bureaus that I was reported as having a collection account with Sequium. I am disputing the debt and it is my understanding under my rights as a consumer to dispute and have 30 days to do such before they report anything and negatively affect my credit.

Company response to consumer: Closed with explanation