BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-05
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:
Equifax appears to be in violation of RICO for knowingling facilitating the illegal lending practices of such rent-a-bank companies as XXXX XXXX  XXXX XXXX XXXX, XXXX, UT XXXX and XXXX XXXX  XXXX XXXX XXXX, XXXX, OH and its marketing and management company " XXXX '' also DBA " XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX and " XXXX '' XXXX XXXX XXXX, XXXX, OH as it did with its predecessor XXXX XXXX who today operates the sales and marketing of its latest incarnation from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX. 

A prior dispute had been filed with Equifax to remove this illegal trade-line from my credit report yet the response stated that the information was correct, not considering the contract was invalid in the state of Florida where I reside or the state of Utah where the company resides. These latest iterations of XXXX  XXXX as noted in the Class Action Lawsuit Gibbs, et. al. v. Plain Green LLC, et al., Case No. 3:17-cv-495 in U.S District Court has already garnered a $ XXXX settlement and the current company still operated in in large part managed by XXXX XXXX , Chief Predatory Lender. 

Equifax aids rent-a-tribe and rent-a-bank usury rate scams by acting as a rent-a-bureau to these illegal lenders by continuing to update and list these illegal loans as valid trade-lines in its files. The company makes no effort to evaluate the legitimacy of the reported trade-lines or the illegal practices despite being provided documents from myself and others clearly stating the illegal annual interest rate charges, in my case clearly listed as 124.86 %, thereby participating in and enabling their illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: NJ
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Better Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I would like Better Mortgage to be investigated for potential fraud, and at a minimum gross mishandling of a refinance. A variety of issues are at play here. 

The company provided me with a loan estimate on XX/XX/XXXX and offered a rate lock so long as I completed the initial steps. However, that rate lock was not offered to me, and Better raised the points necessary for that rate by the time they offered the rate lock, thus preventing me from locking the initial terms offered.

An underwriting agent with Better contacted my home insurance company without my knowledge and demanded that they change the address of my policy. I only found out about this and stopped it because the insurance company reached out to me. 

At closing signing, the completed paperwork was returned to me as the notary had not been provided with a shipping label. This paperwork had been opened by an unknown party and returned to my doorstep through XXXX. 

Furthermore, the terms of my loan changed nearly ten times during the underwriting and closing, including after wiring the funds to close the loan. I was asked to pay further closing costs after signing and wiring funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XX/XX/2019, I called Equifax and asked to have a fraud alert removed on my credit report which I never requested be on my credit report. They did not remove the alert as I requested and also put a freeze on my credit report preventing me from applying for an auto loan and accessing information on my credit report. I called Equifax 7 times yesterday to try and resolve the matter and kept being told different information and then had 4 representatives accuse me of not being who i said I was. Because of this, I now have unfair inquiries on my credit report which has lowered my credit score for no reason because none of these creditors could even view my credit report and I was denied a loan unfairly. Equifax requested I mail highly confidential information such as my drivers license and my social security card to a PO Box or via fax in order to prove who I am and I am not comfortable sending this information by either source, as I already attempted to submit this information to them once and received no response or assistance. I need to have the freeze lifted from my credit report immediately and I never requested a fraud alert or a credit freeze. Equifax representatives refused to help me and provided the worst customer service I have ever experienced!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Experian Information Solutions Inc.
State: PA
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:
Experian is in Violation of 15 USC 1681b XXXX is in Violation of 15 USC 1681b XXXX is in Violation of 15 USC 1681b

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 2019-03-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear Sir or Madam, I reviewed a copy of my credit report and I noticed unauthorized inquiries had been made by the following companies : XXXX   XXXX XXXX Inquired on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX Inquired on : XX/XX/XXXX I contacted the above mentioned creditors and asked them to remove their credit inquiry from my credit profile on several occasions however all of the inquires have not been removed. Im request that you remove these inquiries on my credit report and send me an updated copy of my credit report. I'd like the credit bureaus to please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation if the above credit inquiries are not removed. Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2018-07-25
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im trying to make this simple .on the date XX/XX/XXXX and XX/XX/XXXX I receive 2 colect bills from you now! In telling yo this debt was result of identity theft Im going to provide you a police report and mi right and legal documents to prove it I want to know how you can collect a bill in my name without the right documents Im filling up a report to this company be cuz I never have any service from you or you originally colect person company.. I will go to the bottom line in this matter yall can follow this with the XXXX county police dept

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: TFS FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our forbearance with monthly agreed payments began XX/XX/XXXX and ended XX/XX/XXXX. We have not missed any agreed upon payments. Per agreement, we resumed regular monthly payments in XX/XX/XXXX. We had a loan modification approval in XX/XX/XXXX. However, the Mortgagee apparently ignored arrangements by recently making an 11th hour claim that we owe money since XXXX! We have not to date received any detailed proof of the varying figures claimed. We have lived at our residence for over 12 years. 
Your assistance on this matter will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted on the telephone by an agent from XXXX XXXX XXXX in XXXX. They said they were trying to collect on a debt that was overdue for over a year. I never received any information and was told that it was because they must not have a current address to explain why I had n't received mail and that they had tracked down my phone number. I asked for details and they claim it was from a cashed check at CASH CENTRAL. The bank account she referenced has been closed for over a decade and the address referenced was also over a decade old. I asked for written details and gave them my current address. She explained that I would need to file a fraud report in order to not be liable. In the process of trying to collect additional information required to file a report with the police, I pulled my credit report from all three agencies only to discover that this debt in collection does n't appear on any reports. I went online to research the company and discovered that there were quite a few complaints against the company for similar incidents. I believe they are trying to collect on a fictitious debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: GREAT LAKES
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The debt by XXXX ( XXXX XXXX XXXX. ) for {$64.00} has been disputed by me several times. I canceled my internet service and was told that no charges were owed but they still billed me for the next month. I have never received a response from the debt collector verifying the validity of the debt. This account was closed and charges posted after closure by XXXX. I have disputed the account in writing but I C System has still reported this as a collection account to credit reporting agencies.

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 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX XXXX XXXX, & XXXX I sent written letters to the CRAs & these companies for the attached accounts. I also submitted a CFPB complain for XXXX XXXX XXXX XXXX. They verified this inaccurate account as accurate. They have had ample time to update their records. I am showing a MAJOR violation in their investigation processes, not only are there inconsistencies within their reporting, but they are not showing that these accounts have even been disputed. This does not display accurate reporting that I am entitled to. These accounts have been marked as verified, but do not display that an investigation was even initiated. These inaccurate accounts should be removed immediately for a major violation of the FCRA. They have each had at least 5 times AND ample time to update their information records and have chosen not to.

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 2023-05-14
Company: Bread Financial Holdings, 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:
Please see My attached With Prejudice as a Memorandum for the Record, dispute of billing errorvalidation and verification of alleged debt/account dated XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX, XXXX, and Transunion is refusing to re-investigate XXXX XXXX bankruptcy XXXX. This negative information needs to be remove from my report immediately.

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 2019-04-24
Company: D.B.M.E., INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XX/XX/2019, XXXX XXXX XXXX attempted to collect a debt for the amount of {$320.00} USD. The original creditor is XXXX XXXX XXXX. Per the collecting agency that a membership agreement was signed online and a charge card was attached to another name. 

I have requested numerous time to provide a proof and validation of proof from both the orignal creditor and debt collecting agency but they have been unable to provide suce information. I was advised to resolve the matter with the club general manager but had to pay the debt in order to alleviate credit problems. 

I do however, have email communication from the fitness club representative/sales rep that they need our signature in order to bind the contract. We did not signed any contract with the fitness club that they can provide. 

The debt collector and the original creditor continue to call despite my request of validating and proving that I owe such debt. A formal letter is submitted signed by me to XXXX XXXX XXXX for the debt validation.

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 2023-04-03
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX XXXX account 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.

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 2021-06-29
Company: RentDebt Automated Collections, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/2019 i received a letter from collections RDAC on claims owed to XXXX XXXX in the amount {$3500.00}. There were false accusations made by the other individual on the lease and with 2 months left on the lease they changed the locks without my consent and would not respond to me at all. The other individual then moved out and they send me the billing for the final month, damages and costs that were incurred. There was clearly 2 of us on the lease and after they clearly violated my rights and illegally put the charges just to me and not split my lawyer reached out for correspondence showing that the other individual was legally removed from the lease which they did not, will not and refused to provide to me, my lawyer or credit agencies. I at most should only be responsible for half but after kicking me out without notice, changing locks without consent and leaving me homeless i should owe them XXXX especially after the other person on the lease was leaving there alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: CITIBANK, N.A.
State: CA
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:
On multiple requests, Citi has refused to give us credit on one of our four {$1500.00} payments. We have spent too many phone calls and too many hours each call tried to solve this. Multiple occasions our case was opened and denied. There were 4 payments of {$1500.00} made in XX/XX/2019 ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ), only 3 credits were given to us, after we spent long hour on matching the credits with each of our payments from end of XXXX to mid XXXX, we found out that the MISSING CREDIT of {$1500.00} is for XX/XX/XXXX payment, and the reversal of a Conditional Credit of {$1500.00} was the mistake. So the 2nd Fax we sent to them is clear enough to point out their mistake, we have provided very detailed documentation and explanation. 
The problem is that Citi reps are NOT reviewing the info we sent in via Fax. Proof is this last conversation we had to force the rep to open it and review our bank statements and it was clear from her that she has never viewed them before. We are very tired of them holding our {$1500.00} and refused to give us back. Each phone call takes hours with NO satisfactory solution. The problem happened in XXXX, and now is already XXXX. We sent the 1st Fax per their request, but they couldnt find the problem and the unsolved issue remained. We sent the 2nd Fax ( 5-page fax ) on XX/XX/2019, they didnt open and review the Fax until today, XX/XX/2019.

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 2020-11-30
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:
Disputed items on XX/XX/2020 had no response from bureau. submitted disputes again XX/XX/2020 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 2021-06-29
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Coinbase Case # XXXX - Can not View XXXX Opened a support case on XX/XX/XXXX. The issue had been going on for a week or more. Using the app, I can see my balance but when I try to look at my portfolio breakdown, it pops up with a message " We're having connection issues please try again later ''. I have not been able to access my funds for nearly three weeks! 

Support has been no help at all, can't get help from a real human being. I have over $ XXXX in Coinbase that I can not touch at this time!

Company response to consumer: Closed with monetary relief