BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian To Whom It May Concern, I sent a letter to you disputing 4 accounts as erroneous on ( XX/XX/XXXX ) and mailed I spoke to your representative and they verified you had indeed received my letter for verification. I was informed you received the letter XX/XX/XXXX It is now XX/XX/XXXX and I have not received a response from you. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. I spoke to your representative and she confirmed that you continue to receive updates but have not started the investigation. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 
XXXX XXXX XXXX XXXX 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 2017-07-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax received my official letter via certified mail tracking number XXXX delivered XX/XX/XXXX at XXXX XXXX. Specifically, it was a request to remove the " extended fraud alert '' and also remove " file blocked for promotional purposes ''. I also included the front/back of my drivers license and front/back of social security card. I do not want my information to " get lost in the shuffle '', especially, with new credit reporting laws that took place in XX/XX/XXXX,  meaning the credit reporting repositories are inundated with updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have tried for more than 4 months writing to them concerning the improper reporting of items on my credit report. I fully plan to pursue litigation in accordance with the FCRA to implement my rights, seek relief, and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous written requests, the unverified entries still remain on my credit report in violation of Federal Law. they stated in their response to my dispute letter that they have verified accurate accounts which is a lie.They failed to send me copies of the proof that these accounts belong to me as per my request. they are required under the FCRA to have properly verified that an entry listed on my credit file is mine by having a copy of the original credit application on file proving that the entry is mine. It is obvious that they dont have any proof on file that the items are mine. When I go to litigation they will be required to produce said documents through the discovery process, and since they dont have the said documents in their files then that will be proof that they did not properly verify the items and they will have to be wiped clear.

they have NOT provided me with a copy of ANY original documentation ( a credit application with my signature on it ) as required under Section 609 & Section 611 ( a ) ( 1 ) ( A ).

Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). You say that you have reinvestigated these accounts but it is obvious that all they have done is parroted information given to them by other sources and shifted the burden back to me to prove the accounts are not mine which is clearly in violation of 1681 ( a ) ( 4 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to ... promptly REMOVE all information which can not provide proof of verification.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2022-07-17
Company: Phoenix Financial Services LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XX/XX/XXXX - PHOENIX FINANCIAL SERVICES fraudulently reports a collection account in the amount of {$340.00} to the credit bureaus on my credit report ; disputed. 
XX/XX/XXXX PHOENIX FINANCIAL SERVICES is disputed a second time ; 2nd request for the demanded removal of the false report from my credit report. 
XX/XX/XXXX another collection similar to the last two, of {$340.00}, was placed on my credit report by a new company, XXXX XXXX XXXX ; dispute filed; same complaint in the reporting practices ; lacking foundation and proper warning notifications to alert the party of such an existence to this debt, such potential resolutions, or such desire to dispute prior to reporting. 

No attempts to reach or inform the party prior to reporting to the credit bureau had been attempted, by neither company ; this is in direct violation of THE FAIR CREDIT REPORTING ACT, in conjunction with THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT ; whereas both debt collection companies involved are in violation and are hereby being reported for operating fraudulent business, and lacking proper adherence to all federal or state laws in which they are required to operate under. 

The next subsequent motion is to issue a demand for discovery to audit both companies, which will uncover truths to these acquisitions ; which will lead to the suspension of the company to operate any further business. 

Prior to requesting an audit of the two debt collection companies involved in the infraction of conducting business fraud ; we will seek an order to resolve this matter, outlined below : Both companies ; PHOENIX FINANCIAL SERVICES and XXXX XXXX XXXX  are practicing unjustly under false and unethical pretenses ; providing immediately that this illegal and inaccurate collections report be promptly removed from my credit report to avoid imminent escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I oppened a Coinbase account on XX/XX/XXXX with {$1000.00}.

Then I activated my XXXX   account through them and transferred {$2100.00} and then on XX/XX/XXXX {$250.00}.

I made some purchases and sales of ETH and BTC On XX/XX/XXXX I purchased {$640.00} worth of Bictoin for a total of XXXX BTC ( Priced at {$6400.00} ) and left around {$1000.00} USD available to trade ; However, on XX/XX/XXXX my account was restricted, I contacted XXXX on XX/XX/XXXX and I received a message that my issue was being escalated, on XX/XX/XXXX I was asked to submit my ID again, which I successfully did, but still did not work, on XX/XX/XXXX I got an email that the issue was still being escalated with an specialist but still nothing, it has been more than 2 months with my account restricted and my funds not released.

I am glad I have printed history transactions to back up my transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following accounts do not belong to me and were not authorized by me, have severely affected my financial well-being : Inquires : 1.Account Name : XXXX XXXX XXXX 2.Account Name : XXXX ( Finance ) 3.Account Name XXXX XXXX XXXX ( Finance ) COLLECTION Account name : XXXX XXXX XXXX Original creditor:XXXX XXXX XXXX XXXX XXXX  Account number : Balance : {$230.00} Open date : XX/XX/ The inclusion of these inaccurate and unauthorized accounts on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ) Sections 611 and 623. These entries have not only damaged my credit score but have also adversely affected my housing prospects, preventing me from securing a suitable apartment and forcing me into a shelter. I demand an immediate and thorough investigation into the origin of these accounts. Should this matter not be resolved in a timely manner, I will be compelled to seek legal action against the involved parties, including both the creditor and the credit bureaus. Furthermore, I hold the right to pursue damages for the financial and emotional distress caused by the negligence and violations of the FCRA. I request the immediate removal of these accounts from my credit report and a written confirmation of the removal within the time frame required by the FCRA. Enclosed, please find copies of my credit report sections highlighting the disputed accounts and any additional supporting documentation. Your prompt attention to this matter is imperative, and I trust that you will handle this dispute with the urgency it deserves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: SC
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 XXXX XXXX Account # 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 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 2021-07-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX XXXX  Account # 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 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 2022-07-17
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: SC
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:
I went to the car dealership they said they were gon na just pull it for XXXX XXXX XXXX XXXX. However, there was 17 other hard inquiries. 

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 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 2023-08-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX 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 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I went to the car dealership they said they were gon na just pull it for XXXX XXXX XXXX XXXX. However, there was 17 other hard inquiries. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-07-17
Company: Experian Information Solutions Inc.
State: SC
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 XXXX Account # 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 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 2017-07-19
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX XXXX {$690.00} Lanier collection agency for {$300.00} for {$94.00} for {$120.00} for {$66.00} and for {$120.00} which was all paid by my insurance company so I do n't owe any collection agency anything. Plus I do n't I never signed a contract with XXXX XXXX XXXX or Lanier agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: SC
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 XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I would like to say there has been a violation of 15 U.S code 1681b, which states " a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions of the consumer to whom it relates '' which I never gave. I checked my credit report and found items that were being reported inaccurate and false. There has been another violation of 15 U.S code 1681c, which states " This subchapter clearly states no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collections '' which is inaccurate and being reported anyways. A third violation of 15 U.S code 1681e says " Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user consumer report '' which never took place. These items being reported are causing actual damages and causing me to be denied things needed to provide for my children and household. They have been put on notice with a notarized dispute letter via certified mail

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 2023-08-28
Company: Experian Information Solutions Inc.
State: PA
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$530.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$680.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$3300.00} XXXX  XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX. ) XXXX Balance : {$670.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: CA
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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602A states, I have the rights to privacy.

15 U.S.C 1681 section 604a also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been banking with Chime for a while now and I use that as my primary bank but I also have a XXXX XXXX XXXX that is linked to my bank accounts so on occasions in appear that there is a lot of activity on my account, but that is just me using both of my accounts as I dont like to list my time primary card on websites to prevent from theft. 

Anyhow, I woke up one morning to my account being completely closed with over {$19000.00} in the account with no access to the account. No one is providing me any solid information. Ive been getting the runaround so Im saying that I can open my account again some saying that I can not I have also provided them documentations verified documents, transactions, IDs everything with no solid response is just Automatic responses told verbatim either through a automatic device or through script reader with no actual assistance that can assist me at the time rent being due with XXXX  kids, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was not expecting to wake up to my account being closed and not being able access my funds has caused a lot of stress every time I call chime they are unable able to have any clear answer on the decision made I get 10 different things every time I call in. Again I have even provided documentation to re-open my account or even expedite my check.

Company response to consumer: Closed with explanation