BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: ENCORE CAPITAL GROUP INC.
State: NY
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 received mails from XXXX different companies advising me that I have Collections accouts and asking me to make payment or payment arrangement and I refused because those are not my accounts, my personal information was stolen including my SSN, address, phone number and it's sad to tell you that my own sister did that to me. I've been trying to dispute it on the the XXXX bureaus for years now and no good news, the credit bureaus advised me to make this report and send it to them and if I'm lucky they'll be able to remove it because it's affecting my score and in general it's frustrating to be accused of something that you didn't do and they make you responsible for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 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 2022-07-02
Company: American Credit - Credit Repair Centers
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
This business is a scam ( the owner is XXXX XXXX ). They sent me a written contract asking for an upfront payment of {$590.00} to dispute a few inquiries. Charging upfront fees is against federal and state laws. Also, the contract states : American Credit is a non-profit corporation organized under the laws of the state of California, having duly filed an application with the Internal Revenue Service, operating as a tax exempt organization, pursuant to Section 501 ( c ) ( 3 ) of the Internal Revenue Code. 

This is false. The IRS website has a Tax Exempt Organization Search Tool You can check an organization 's : Eligibility to receive tax-deductible charitable contributions Review information about the organization 's tax-exempt status and filings. 

The IRS has no record of this company as a nonprofit. A private foundation can not be tax exempt. Certain credit repair practices are illegal. I seek to hold this company accountable for violating consumer protection laws. 

This company doesnt have a surety bond and did not register with thXXXX XXXX XXXX as required by state law. 

The written contract they sent me does not mention the name and address of their business bond as required by state law ( Credit Services Act of 1984 ) This is a criminal misdemeanor. 

Their written contract instructed me not to communicate with the nationwide consumer reporting agencies. 

Their written contract also mentions a non-refundable fee which may be against both federal and state laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: FL
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 4th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-20
Company: Experian Information Solutions Inc.
State: IN
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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX  Date of Inquiry 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 2022-09-19
Company: Lendmark Financial Services
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have been paying on this loan which seems like forever for instants last month after paying XXXX and some dollars the balance was XXXX and within no time its back up to XXXX and saying I owe XXXX and some dollars when the loan is only a month behind so it should only be {$200.00} the current month due in the one behind Also when Ive tried to pay it off over a year ago, it will only allow you to pay {$200.00} at a time when you try to speak to the people in the office all they do is scream at you and tell you theyre going to repossess your car. I thought car title loans were illegal in North Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I went through my credit report and I don't recognize the following inquiries XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Transunion violated my rights according to 15 U.S.C 1681 Section 604 A Section 2. 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 2022-06-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I had a case in Ohio from 2016 which when you look up in the court system it shows the case dismissed. Just recently when while I have been trying to get myself back on track notice that upon signing up with one of the credit bureau 's that my judgement for my case is totally different from my accurate information located in the court systems and they have been playing with my information for so long from health record to court records XXXX  records and housing records. They got my life all over the place. Yes true I want the information fixed but I am seeking payment for all the damages and pain and suffering I went through. I have all supporting documentation for I am seeking help immediately these people have been in my bank accounts prepaid bank accounts and everything.

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 2023-09-16
Company: Alliance Collection Agencies, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I recieved a phone call from alliance collections after they were told previously not to call my cell phone, they also used an auto dialer which is illegal in wisconsin

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
Im being denied loans because they can not verify my address and phone. 

My current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: OH
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: OH
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:
Credit card Control services  ( Incorrect account please validate ) And delete XXXX bank late payment XXXX  XXXX XXXX XXXX ( Incorrectly reported please delete XXXX XXXX XXXXXXXX late payment XX/XX/XXXX incorrectly reported. ( Account no longer open please delete ) Account has been removed from XXXX XXXX  remove from all other credit reporting XXXX late payment XX/XX/XXXX accountclosed late payment inaccurate has been removed from ( XXXX XXXX ) Please remove from all other credit reporting XXXX XXXX account was fraudulently charged/ ( The accounts has also been charged off ) please delete XXXX Late payment incorrect reporting account is paid as agreed please update and And correct XXXX XXXX ( account was charged fraudulently identity theft ) please delete. 

XXXX XXXX XXXX XXXX ( Account was fraudulently charged due to identity theft please remove and delete ) XXXX XXXX ( account was fraudulently charged due to Identity theft. Account also is a third party and not validated ) please remove and delete XXXXXXXX XXXX XXXX Consumer has agreement with XXXX XXXX XXXX To extend the payment due date XXXX XXXX XXXX XXXX XXXX late payment is invalid please correct.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I HAVE BEEN DISPUTING INCORRECT LATE PAYMENTS ON MY CREDIT REPORTS FOR MONTHS NOW AND TO NO AVAIL THEY REMAIN IN ERROR. XXXX, XXXX, AND EXPERIAN FAILED TO PROPERLY DO AN INVESTIGATION TO HAVE THESE ERRONEOUS BILLING ERRORS CORRECTED. THE FIRST ACCOUNT IS REPORTING THAT I WAS 30 DAYS LATE FOR XXXX WHICH IS FALSE BECAUSE MY PAYMENT WAS DUE FOR XXXX ON THE XXXX OF XXXX I MADE MY PAYMENT ON XX/XX/XXXX IN THE AMOUNT OF {$400.00} WHICH MEANS THAT I WAS ONLY 3 DAYS LATE AND NOT XXXX DAYS LATE FOR THE MONTH OF XXXX. THE NAME AND ACCOUNT NUMBER ARE : XXXX XXXX XXXX XXXXXXXX. I WANT THIS ACCOUNT TO BE UPDATED FOR THE MONTH OF XXXX XXXX DUE TO AN ERRONEOUS BILLING ERROR. THE SECOND ACCOUNT THAT IS REPORTING INACCURATELY IS XXXX XXXX XXXX. THIS ACCOUNT IS REPORTING THAT I WAS 30 DAYS LATE FOR XXXX XXXX MY PAYMENT FOR THIS ACCOUNT IS DUE EVERY MONTH ON THE XXXX AND I PAID ON THE XXXX OF XX/XX/ WHICH IS ONLY XXXX DAYS PAST DUE ( NOT 30 DAYS ). THIS IS ALSO AN ERRONEOUS BILLING ERROR AND NEEDS TO BE CORRECTED TO PAID ON TIME. BOTH ACCOUNTS BEING REPORTED ARE A VIOLATION OF 12 CFR 1026.13. I HAVE ATTACHED PROOF FOR YOUR REVIEW.

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 2023-11-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX of the Student Loan close accounts on my credit report They both are charge off. Using the 15 USC 1692g validation of debts, I don't recognize how this account Is reporting on my credit report. I do not recognize the account number. I do not recognize the account Status. I do not recognize the account High balance. Nor do I recognize the late payments associate with it. Everything reported here does not meet the FCRA. I didn't receive any 1099-c from these company. Also, the balance is {$0.00}. It shouldn't be on my credit report.

In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antidotes the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I deposited {$15000.00} in Coinbase to purchase cryptocurrency. At first exchange Coinbase said I have to wait a week, which I was fine with. Then they asked me to wait 44 days. I called customer support to complain and they said its because of their anti money laundering policy. The. I went to check on my transaction and now its pending for 70 days. It doesnt take that long to process the money is out of my bank account and with my Coinbase. The money is in Coinbase and I cant do anything. I cant even withdraw to go to another exchange.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2023-10-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: In progress
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters

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 2022-12-03
Company: Experian Information Solutions Inc.
State: NY
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:
I consumer and Natural person have been violated by Experian. I have disputed inquiries on my consumer report and it has been more than 30 days with no response. Experian has used and furnished my consumer report without my written consent or verbal authorization. I have been denied credit due to their wilfull non compliance to accurately verify information before furnishing a report on my behalf. I have inquiries showing on my report that are not tied to any open accounts and/or any extensions of credit. These inquiries are damaging my consumer reputation. Before furnishing a report a Credit reporting agency shall follow reasonable procedures to assure MAXIMUM possible accuracy of the information concerning the consumer the report relates to pursuant to 15 USC 1681e ( b ). Experian has failed to do this. According to section 604A ( 3 ) ( a ) there must be an extension of credit as well as the inquiry allowing for Permissible Purpose to keep and validate and report any inquiry on a consumer report. The following inquiries listed and dated attached to this complaint are not inquiries resulting from an extension of credit, nor any experiences or transactions I have authorized. I ask that XXXX carefully review this information including my consumer report and delete these inquiries.

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 2023-11-10
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Apparently, I dont have a credit report that exists on any of the credit bureaus. So whenever someone goes to verify my Social Security number through the credit bureaus it says that I dont exist and the numbers dont match.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am disputing charges on my US bank credit card and debit card. 

I followed the appropriate channels and have even contacted the merchant to try to resolve the dispute with them directly. I am disputing the charges on my card for two reasons : one the services were not fully rendered and secondly for bad service. 

I provided all the documentation to US Bank to show that they did not perform half of the services in the package and included the email correspondence to show that I have tried working with the merchant to get a refund.

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