BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-03
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$570.00}, {$27000.00}, {$0.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$570.00} -This is not my account. 


-- AUTO ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.

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 2023-07-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2022-08-30
Company: Experian Information Solutions Inc.
State: TX
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 am entitled to a completely 100 % accurate credit report and all three credit bureaus have my address and name incorrect. I have been living at my XXXX, TX address for over 5 years yet a XXXX, TX address is showing up on my credit report and even has an account to it. Also I am a XXXX as I do have the same name as my dad yet my suffix is not added and there are multiple names on my credit report that I do not use as I always include my suffix therefore making most if not all the negative accounts and collections on my credit profile incorrect as they are under the wrong name. All three credit bureaus have multiple versions of my name that are incorrect as I am a XXXX and any name listed that does not contain my suffix eludes that it belongs to anyone else that is not me. And there are multiple accounts that do not contain the correct name therefore my credit report is not 100 % accurate as I am entitled to according to 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 non-monetary relief
Consumer complaint received 2020-09-22
Company: Experian Information Solutions 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. 
As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come 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 2016-09-22
Company: MVBA, L.L.C.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was born XX/XX/XXXX the hospital bills are from XX/XX/XXXX. When I called and told them I was a minor at the time and I could not be held responsible, they told me to write a letter to them disclosing my mother name and address and telephone. I was XXXX years old XX/XX/XXXX. There is no way I could of signed for anything legally at that age.

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 2022-08-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The collections account they are showing never belonged to me nor did I ever live at that address for service. All this information is invalid and incorrect. Also I will include a screenshot of my active XXXX account. If I owed money I wouldnt be able to have service. Company name is XXXX XXXX who is charging that collection please take a look at my address and see what address that collection agency is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I have an account with Coinbase. They blocked me ( and lots and lots of others judging from XXXX reviews ) from accessing our crypto by saying our identity documents needed to be verified. I uploaded my documents 3 times but the message persisted and finally got worse, threatening me with something called 'offboarding '. I first contacted customer service about it on XX/XX/XXXX. After several more complaints they responded today XXXX XXXX saying that the addresses on my documents do not match address given which is a lie. I took comfort in the fact that this is not just happening to me but to other people as well. I am worried that the exchange has been hacked and that they are covering it up. Something is definitely fishy about their behaviour and lack of communication with customers. I would like access to my coins so I can move them off the exchange.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
PRA had my truck repossessed and Ive had my truck for XXXX. My debt was taken care of in bankruptcy court back in XXXX. Now its XXXX and they say I owe on my vehicle they have a lein from the creditor from XXXX. I informed thats not possible especially when my bankruptcy cleared after XXXX yrs and any debts were passed statue of limitations and were considered time barred debts and in after XXXX yrs these debts cant be collected on nor any collateral be seized if that was the case. I have not received any information concerning any debt that is owed : no paperwork has been presented to me at any time stating that I ever owed any debt in the past XXXX yrs nor will they give me any details of what I owe. This is illegal and they came onto my private property without notice. I have no collections or any negative items on my credit for any negative items. Need assistance getting my vehicle back immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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: Their investigation did not fix an error on your report

Complaint:
I have reached the peak of my peatiece bedacuse of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/XXXX and the the most recent letter I sent was dated XX/XX/XXXX with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have faield to provide. The following accounts which I believe to be reporting erroneous information must be deleted under the provisions of the Fair Credit Reporting Act : DEPTEDXXXX  XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$28000.00} Date Opened : 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 2022-08-30
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 am submitting this CFPB complaint addressed the Credit Reporting Agencies to request the complete removal of the fraudulent information frommy Credit report. I have been sending countless letters requesting that the Credit Bureas remove the fraudulent items from my Credit Report and yet they have done nothing. Under rthe FCRA section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. And provide copies of documents to serve as proof of verification wo support the Credit Bureaus claims that the items beling under my name. But despite all the lettets I have sent, the Credit Bureaus have not done nay of the actions. I am now submitting this CFPB complaint to inform the Credit Bureaus that if they do not comply with the Request and continue reporting without sending me copies of documents as proof of verification, please understand I will initiate legal action. I need the folowing items deleted as soon as possible : 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 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 Balance Owed XXXX {$0.00} Date Opened : 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 2019-03-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX LOAN # XXXX BORROWER : XXXX XXXX  ( XXXX ) PROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX   Previous CFPB complaint no. XXXX I received the attached denial notice from Rushmore today. I am going to escalate this with another CFPB complaint in addition to the attorney general. Rushmores opinion of fair market value is not cohesive with the facts which we provided to demonstrate the true fair value of the subject property. Failure to lower the value expectations is going to cause a foreclosure when there was a viable alternative available via a short sale and consideration of the offer we submitted that is fairly priced based on current market conditions. I ask this be escalated further because the documentation I have submitted to support my argument is clearly not being thoroughly reviewed for consideration. Thank you for your assistance.

Respectfully, XXXX XXXX Loss Mitigation Manager/ Legal Assistant P : XXXX F : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage for a lower interest rate. I paid off the existing loan. 
On the old loan under ''PAYMENT HISTORY DETAILS '' The following is listed Transaction Date : XX/XX/2021 Transaction Amount. {$530.00} Transaction Description. FORECLOSUREPARTIALREPAYPRINBAL ''THE TRANSACTION WAS APPLIED AS FOLLOWS : Principal : {$00.00} Interest : {$530.00} Escrow : {$0.00} Fees/Late charges : {$0.00} Other Fees : {$0.00} Miscellaneous. {$0.00} Unapplied Funds : {$0.00} On XXXX I spoke to a rep at LoanCare and he did not know what or why the {$530.00} was there for. I asked to speak to a supervisor and she told me ''I don't know why it has a description of ''ForeclosurePartialRepayPrinBal but it is simply interest when you paid off the loan. I disagree I have the payoff summary and with the payoff the interest was already added in. Loancare is listing this transaction as a separate entry. 
I am offended that they have associated the word ''foreclosure '' with my name and account. Now they just want to call it ''interest ''. I am calling it an intentional mistake and I want a refund of {$530.00}. They can not just describe it as ''foreclosure '' and when I challenge it say it's ''just simply interest ' and I'm supposed to accept it. 
To top it off I now with the new loan have acquired LoanCare again as the servicing company. 
Why would they make 2 separate amounts of interest on a payoff? I owe this amount, the interest is this and total it. This {$530.00} is in addition to the payoff amount with interest. The {$530.00} is a separate entry.

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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is my fourth 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.

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 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 been trying to get wrong address that I NEVER lived at AND associated with student loans AT that address and all 3 bureaus refuse to do anything to correct this situation or respond AT ALL. 

This is NOT allowing me to refinance, to get business loans, and to do a lot more in the financial world because this incorrect information is XXXX me! It is hurting my business a lot! Everything I want to do I can not! Enough is enough! These agencies need to be held accountable and do what is right. 

I do not understand how they can act this way and not correct wrong information that is adversely affecting my life! 

I am requesting you hold these 3 credit bureaus responsible and accountable. This is not right nor would I think legal. 

I have filed a police for the record. I also hired XXXX XXXX and paid them to fight for me on this and they are getting zero results because of these bureaus. 

Please contact me with any questions and I thank you in advance for your 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 explanation
Consumer complaint received 2018-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am unable to access the ATM machines inside the branch after hours. The card reader to allow entry into the branch has been broken on 2 separate occasions. This happened at the Bank of America located at XXXX XXXX XXXX XXXX XXXX, IL XXXX United States

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 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Request for Deletion of Closed Accounts from Credit Report Dear, XXXXXXXX XXXX I hope this letter finds you well. I am writing to request the deletion of certain closed accounts from my credit report. I have recently reviewed my credit history and noticed that these closed accounts are still appearing on my credit report, which may be negatively impacting my creditworthiness. 

I would like to bring to your attention the following closed accounts that I believe should no longer be listed : Closed Date : XX/XX/XXXX I kindly request that you investigate this matter and take the necessary steps to remove these closed accounts from my credit report. The Fair Credit Reporting Act ( FCRA ) requires that outdated or inaccurate information be promptly removed from credit reports. 

I understand that the FCRA grants consumers the right to dispute inaccurate or outdated information and have it corrected or removed. I am confident that these closed accounts fall under such provisions. Please consider this letter as a formal dispute and request for investigation. 

As per the FCRA, I request that you provide written notification to all credit reporting agencies to delete these closed accounts from my credit report. Furthermore, I request that you send me a written confirmation once the necessary actions have been taken. 

I appreciate your prompt attention to this matter. Should you require any additional information or documentation from my end, please let me know, and I will gladly provide it. I trust that you will handle this request in accordance with the guidelines outlined in the FCRA. 

Thank you for your understanding and cooperation. I look forward to a swift resolution of this matter. 

Sincerely,

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 2022-08-30
Company: DISCOVER BANK
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/22 I applied for a personal loan from discover and was denied and sent a adverse action letter. As I am the consumer and attempted to get credit in GOOD FAITH as I am credit worthy. I was denied an extension of my own credit, for I am the consumer/ natural person. I replied with an affidavit as I felt this is discrimination. And credit was used with no benefit to me pursuant to 15 usc 1602 ( p ). My credit should not be in the hands of a computer generated determination, for I am a natural person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Affirm Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was out of town for my birthday an sent a request to send the packages to my neighbor while I was away to ensure I got it and XXXX XXXX decided to send it to my home and it never arrived or got misplaced or stolen now they are trying to charge me when I wasnt home to receive it

Company response to consumer: Closed with explanation