BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-24
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To update my current dispute at XXXX XXXX, C.F.P.B. number XXXX, which is still in process, I am including the Lawsuit Copy received at the Clerk 's Office of the U.S. District Court for the District of XXXX XXXX XXXX Yesterday, XXXX XXXX XXXX I filed a lawsuit against XXXX de XXXX XXXX XXXX, known as XXXX 

XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections XXXX. 

Because, on my sixth visit to XXXX. for the complaint number above, I finally confirmed it is XXXX XXXX XXXX XXXX XXXX the one that against the Laws and with a discriminatory conduct, decided not to report the payments coming from my savings account at the same XXXX as payments, knowing it is a secured loan precisely to be able to use the savings there as a back up in case salary is lost. 

Because her un justifiable and illegal conduct, I included Fair Credit Reporting Act Violations, Fair Debt Collection Practices Violations, and XXXX Disrimination. 

She also decided not to report the whole payment history of the loan and an incomplete payment history of my payments paid personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my 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 non-monetary relief
Consumer complaint received 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XX/XX/XXXX I submitted a dispute with XXXX, TransUnion and XXXX asking to send me verifiable and accurate information. They didn't do that. Instead they sent me the same thing that was said online. 
They violated my rights and I am extremely angry. I read that in 15 U.S.C 1681 Section 604 A Section 2 it says that a consumer reporting agency can not furnish a account without my written instructions. I asked for that information and they didn't send me that either!

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 2022-07-29
Company: CCS Financial Services, 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:
A bad report was listed under XXXX Credit Score. We disputed with XXXX. We contacted the filer of the report, Credit Control Services ( or according to person the actual name is Credit Collection Services ). XXXX  report shows entity name as Credit Control Services. Were told the initial collection request came from XXXX XXXX and XXXX XXXX. We contacted XXXX XXXX and XXXX, they showed no policies for us that had any collection attached. We then contacted Credit Control Services ( Credit Collection Services ) again who stated that the birthday and home address were not the same as they showed for the collection.However, it was put on our credit report. We have been speaking with XXXX agent who stated we should file either a police report or complaint to you for additional supporting documentation. 
Also, we have never received any notifications from XXXX XXXX and XXXX or from Credit Control Services.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
INACCURATE NAME : XXXX, XXXX, XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX Date Updated : XX/XX/2016

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 2022-08-03
Company: U.S. BANCORP
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was a victim of a scam that the person Impersonated Us Bank and conned me into sending him money through the XXXX ap. At the time I had no idea what XXXX is or have I ever used it. My bank refused to help me because I knowingly logged into my account to do it. The following is a copy of my FTC complaint : I was driving down the road when i got a text from what I thought was Us bank asking me if I sent {$3500.00} on a XXXX acount and I texted no. A few minutes later i got a call from what I thought was the fraud department. He asked me some questions and told me a person from Georgia tried to take {$3500.00} from my XXXX account which I never used or new about. He said we have to do something to my bank account to reverse this payment. I said call me back in an hour I will be at home. He called me back in an hour and told me I would have to enter some info into my XXXX  account to reverse this. So I did and they took out {$3500.00} out of my account and returned it the next day. Now I trusted him. He called me back the next day and said we had to work on the next one. we repeated the same process and the money was never returned. So I called the number he called me from and It went right to Us Bank so I was like well ok. Note the number listed above is the number he texted me codes Ect.. The next day he called and said we had to work on the last 2 instances. I asked him when i would get the previous amount back he said dont worry you will get it all back at a certain time today. So we repeated the same process, and when that time passed and nothing happened, I called the number he called me on and talked to someone at US Bank. He did give me a name but I cant find it. I asked for that name and no one could find him. So I explained what had happend to the lady on the phone, she repeated the scam back to me and I know I had been scamed. 
She filed the claim for me. I filed a police report with the XXXX, Az police Department. If you need more daitails, I also have screen shots of my phone to discribe what happened. It a little more complicated. XXXX XXXX police report 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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hello! This is for the XXXX XXXX XXXX XXXX Credit Card that shows up on my credit report. This account belongs to my ex. I called XXXX XXXX XXXX XXXX and they have taken me off the account but it is still showing up on the credit report and I would like it removed. 
Thank you! 
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 2022-08-03
Company: Experian Information Solutions Inc.
State: MS
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 called the XXXX/Experian/XXXX  after I purchased a credit report with XXXX XXXX  on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there were an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these accounts lates will be removed and corrected. 
XXXX XXXX Balance : {$6600.00} XXXX  XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX Balance : {$3600.00}

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 2022-08-03
Company: Experian Information Solutions Inc.
State: NC
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 have made numerous of attempts over the phone, by letter and online to resolve my issue with the violation of my privacy as well as the furnishing of incorrect information on my account. However, the credit reporting agency has become bullies and are doing what they want to degrade the consumers image. My financial privacy is very important to me and posting false information against my consumer character is not acceptable. Please see the attached and resolve as soon as possible.

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 2022-08-03
Company: EQUIFAX, INC.
State: NC
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 have made numerous of attempts over the phone, by letter and online to resolve my issue with the violation of my privacy as well as the furnishing of incorrect information on my account. However, the credit reporting agency has become bullies and are doing what they want to degrade the consumers image. My financial privacy is very important to me and posting false information against my consumer character is not acceptable. Please see the attached and resolve as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: McCarthy, Burgess & Wolff, 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: Reporting company used your report improperly

Complaint:
I sent an Affidavit of Truth and an Invoice to XXXX XXXX XXXX, here is the tracking # XXXX. I also sent an Affidavit and an Invoice to McCarthy Burgess & Wolf , Inc tracking number $ XXXX and XXXX XXXX XXXX XXXX XXXX, tracking number # XXXX They have not paid out the invoices and had the negative items deleted from my credit report. These companies have violated 15 USC 1692. ( C ) ( A ). 15 USC 1692K, 15 USC 1692. ( B ) ( 2 )., 15 USC 1692. ( B ) ( 5 )., 15 USC 1692 ( D ) ( 2 )., 15 USC 1692 G ( A ), 15 USC 1692 ( B ) ( 4 ), 15 USC 1692 C ( 1 ), 15 USC 1692 ( E ) ( 1 ), 15 USC 1692 ( F ) ( 8 ) ( 8 ) 15 USC 1692 ( D ) ( 5 ). Based on these laws I can collect these damgages15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. 

Theses companies have reserves multiple invoices under the same tracking numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: IL
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 disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
U S DEPT OF EDXXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX IL 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 2022-09-30
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:
I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again.XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX Balance Owed : {$220.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I make over payments I see larger portions going to interest. Also I get charged late fees when I make payments early. My statements are never correct. Contacting their help is an automated run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, 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:
On XX/XX/2021 I entered into the XXXX XXXX XXXX XXXX location with the intentions of purchasing a new/used vehicle .Upon making the decision on which vehicle I wanted I sat down with a sells rep to speak about my options. I advised the sells rep that I would be using my own funding from my credit union. A few months later I received a copy of my credit reports at which time I contacted the dealership as well as all companies that I had inquires from via phone, mail, as well as speaking with the Finance manager at XXXX XXXX XXXX XXXX in person who would constantly advise me to call the other companies. Many of the companies have stated that they have never had any of my personal information on file. The companies as well as the credit bureaus who said to contact the dealership. I have strong belief that my credit information as been leaked. Since then I have had multiple credit inquires report on my credit. Although I have tried to solve these problems on my own and have followed every protocol these companies have shown me less that the minimal customer service. During this entire process I have felt very unvalued as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/22 I disputed the information through XXXX, Transunion & XXXX on an auto loan from XXXX as inaccurate. The disputed account stayed and remained. On XX/XX/22 I disputed the account Again including the information regarding a litigation suit involving the finance company and the file was updated with inaccurate information.

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 2022-12-22
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper started servicing loan XX/XX/2022. They have added {$260.00} as a charge for escrow analysis ( done by them of course ) in case of deficiency. they have doubled the amount of escrow without our consent or prior notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Credit Karma, LLC
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
This complaint is about the lawsuit with Credit Karma that I heard about this morning on the news. I was also a victim of misleading information from them. They told me that my odds for being approved for certain loans were outstanding. So of course I fell for it and was denied as well as my credit score getting ( hard hits ). Now I am struggling to bring my credit score back up because of Credit Karma.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The following accounts do not belong to me. Legally I have no contract or relationship with these creditors. 

XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase has consistently blocked me from accessing my account. I have sent a small amount of currency to show my bank is legitimate but they have not recognized this and I can get no further. Yes just want my money out of this dreadful company. They even tried to take money out of my bank account but I was fortunate that my bank blocked this. Please look into this for me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Ocwen Financial Corporation
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: Account status incorrect

Complaint:
My mortgage loan ( PHH ) had been in a covid forbearance program and then went to a loan modification agreement in XX/XX/2022. On XX/XX/2022 the mortgage company reported the loan as more than 12 months past due and the amount past due of over {$36000.00}. The loan was never late or had a past due amount. This incorrect reporting and information has destroyed our credit and made life impossible. I have made numerous calls to the mortgage company to complain about this incorrect credit bureau reporting and written several letters to no avail. Is there anything that you can do to help us resolve this terrible and unjustified error in reporting?

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 2022-08-03
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:
Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NY 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