BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-04
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, 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 NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
lam a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX, Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Experian nor XXXX written permission to furnish these accounts. 
Removed the accounts or look forward to future litigation.thank you. 

Accounts : 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 2021-04-17
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is a charged off account from XXXX. The company continues to report a past due balance. Experian and XXXX  continue to post 90 day lates each month from the company. In addition, the close date is only shown on XXXX  and not Experian or XXXX. The date of last activity is listed as XX/XX/XXXX on XXXX  and XX/XX/XXXX is shown on XXXX. Experian doesnt show anything. XXXX and Experian do not show a high balance but XXXX  does. 

My FCRA rights are being violated and the account needs to be immediately removed. This account has been reinvestigated multiple times and is not being corrected which violates my FCRA rights in section 611- more specially how to handle inaccuracies and unverifiable information. It is clear that each reporting agency hasnt done this with previous investigations. 

My attorney will file a lawsuit in XXXX XXXX, GA because this is harming my changes of obtaining a mortgage. 

Remove this account as enough time has been provided to give accurate 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 explanation
Consumer complaint received 2022-01-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery has used multiple numbers and calls multiple times a day. I have told them to stop calling. And still calls. Received a letter on XX/XX/2021 and calls everyday since then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-27
Company: Collins & Hilton Asset Group, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, Today I received a menacing letter from a company called Collins asset group LLC XXXX XXXX XXXX, XXXX, TX XXXX. The letter I received claims it 's a notice of intent to accelerate and right to cure. The letter then goes on to reference " Please note pursuant to the promissory note executed on XX/XX/XXXX between you and XXXX XXXX XXXX in the original loan amount of {$22000.00} this letter serves as Collins asset group LLC 's notice of intent to accelerate the entire principal balance due of the promissory note. If you fail to remit the current outstanding past due balance in the amount of {$20.00} within 30 days of this letter and bring your principal payments up to date according to the term of the promissory note, Collins asset group will accelerate the entire principal balance of the loan that was not previously forgiven pursuant to our letter to you dated XX/XX/XXXX and refer your account to its legal department. " This is the first letter I have ever received from this company they are incorrect in stating they sent me a letter dated XX/XX/XXXX. Not only that but they are attempting to collect on a debt that is over 10 years old. I have researched this company and apparently they use the same dishonest tactics in an attempt to coerce people to pay debts that much like in my case are not even on their credit reports anymore. Much like many hard-working people in this country, when the mortgage crisis happened, I not only lost my job in the real estate business but I also lost the ability to pay for the mortgage I had. <P/>This company has not sent me a contract showing they lent me something or provided service to me or that I agreed to do business with them, I have told them that any contract with me has to be between the accuser and me with both of our signatures. I had no knowledge of this company until recently, have never contracted with them, they are strangers to any transaction with me and are not qualified to claim that I owe them something. I have disputed this with all - credit reporting it has been deleted inXX/XX/XXXX. I have demanded validation from the accuser/furnisher and they have not validated with any proof of a contractual agreement between me and them. So, they are trying to collect again on a debt when does it end? Its like a merry go round and it 's unjust harassment because now I fear I have to go through the process again in order to get an old debt deleted, consumers are faced with these collections agencies that do nothing but waste time and I value my credit and it 's very important to keep these collections agencies away when they have no merit to pursue their actions.

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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, On XX/XX/XXXX, an ACH withdrawl that I initated in the amount of {$1400.00} posted to my account. The ACH was declined by the receiving party and the funds have not been returned. I spoke to a CSR at BOA on XX/XX/XXXX and she instructed me to fill out a ACH return form which I did and email to BOA. I followed up on XX/XX/XXXX to inquire if any action had been taken on my claim. After spending over 1 hour on the phone, being transfered from one dept to another and having to verify my identity everytime I spoke to someone new, no one mentioned anything more about a claim. I was put on hold the final time while the CSR researched it with the ACH dept. I was told to call XXXX and give them the tracing number. Though I feel that BOA should do this on behalf of their customer of 24 years, I did not want to spend any more time on hold and noted the information given to me. I called XXXX and after a recording, the phone hung up. So I spent over an hour wasted and no progress. I called the merchant again and they advised me that the transaction was declined and it should have been sent back. Why it shows posted in my account I do not know, but I feel that BOA is not taking this matter seriously and taken action on my behalf. I need BOA to resolve this ASAP. BOA is showing the transaction as posted and they need to trace as to where it went and have the funds returned. It is fine hearing the on hold recording on how valuable a customer I am but action on my behalf will actually show the value. Please advise on this situation. Thank you

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 2022-09-05
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Chime Financial Inc
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I started using my chime card on XX/XX/2022 when I received my first direct deposit from social security. Then on XX/XX/2022 social security deposited my check for XXXX. It never posted to my account. So, XX/XX/XXXX I called social security and they said that they deposited my money and that chime accepted it and gave me a tracking number. So then I called chime, they wouldn't help me or let me give them the tracking number then hang up on me 3 times. Then the 4th time I finally get someone who is willing to do there job. I gave her the tracking number, and she found it. Told me the amount and said it would be in my account by the end of the day. We'll, that never happened. I call the next day and the person wouldn't take the tracking number at first then did after I begged her to. She then tells me they can't find it and wouldn't give me a supervisor and hung up. How do you go from finding my money one day and then not finding it the very next day? I've never been treated so horrible in my life. Customer service my XXXX. They are thieves and I want to press theft charges. Cuz, they stole from a XXXX person. I even called XXXX XXXX and asked if I could talk to a supervisor or hire and they wouldn't let me. I was told that I'm chimes problem. Something is not right and I'm possitive I'm not the only person they're doing this to

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was a cosigner for a tenant at XXXX XXXX XXXX in XXXX of XXXX. When the tenant moved out there was a balance owed beyond the security deposit but I was never notified of this debt. I was only informed of this when I was declined credit and discovered that XXXX XXXX XXXX had sent the account to a National Credit Systems. As soon as I discovered that there was a problem I immediately paid the debt in full. <P/>When I asked if XXXX XXXX XXXX had my information they informed me that they did. Because they took no steps to inform me of the debt nor give me any opportunity to resolve the charges before they sent the account to collections, I dont believe that this is fair. <P/>When I asked XXXX XXXX XXXX for help they responded, " Any disputes or discrepancies about this matter do need to be in the form of written communication. While I do understand that it is paid, unfortunately there is nothing I can do personally to get it removed from your credit. You can contact the collection agency and they will assist you or contact us and let us know if there are any steps we can take to help get this removed from your credit. However, from my experience, that is not a normal occurrence. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX these accounts have 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 an account without my written instructions. 

XXXX XXXX Date XX/XX/2021 XXXX XXXX XXXX Date XX/XX/2021 XXXX XXXX XXXX  Date XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Sold bitcoin, XXXX XXXX, {$1300.00} USD, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Complete and withdrew funds {$100.00} USD, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Complete is what shows on the Coinbase website in my account information then I received the following emails : Unfortunately we could not process your sell of XXXX XXXX onXX/XX/XXXX because the name associated with your bank account did not match your Coinbase account. and Unfortunately we could not process your withdrawal of {$0.00} USD on XX/XX/XXXX because the name associated with your bank account did not match your Coinbase account. i have been using the same bank account on Coinbase since XX/XX/XXXXsuccessfully. now my account shows {$0.00} Total balance. No money has been transferred to my bank account and no bitcoins or money remains in my Coinbase account. I have information showing the transactions have been completed and emails saying they were n't completed. i have no idea where my money or bitcoins are and I can not receive an answer from Coinbase even after submitting numerous support requests. As a XXXX year old retiree living on social security this money is very important to me. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 writing to request several credit inquiries that were unauthorized be removed from my credit report., I received a copy of my credit report and became aware of nine inquiries that I did not authorize. They are as follows : XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal 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 non-monetary relief
Consumer complaint received 2018-05-04
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I CONTACTED XXXX AND ONE MAIN FINANCIAL ALREADY REGARDING THIS ISSUE I HAVE HAD A FRAUD ALERT POSTED TO MY ACCOUNT AND HAVE MY CREDIT FILE LOCKED.. I AM DISPUTING ( 2 ) CREDIT INQUIRIES MADE BY ONE MAIN FINANCIAL THAT I DID NOT AUTHORIZE WHEN I GOT MY ANNUAL CREDIT REPORT I NOTICED THESE INQUIRIES.. I FAXED A LETTER TO ONE MAIN FINANCIAL ON XX/XX/XXXX REQUESTING VALIDATION THAT I AUTHORIZED THIS. I GOT NO RESPONSE WITHIN THE ALLOWABLE TIME FRAME.. SO I FAXED A REMINDER LETTER ON XX/XX/XXXX AGAIN REQUESTING VALIDATION ... TOWARDS THE END OF XXXX I RECEIVED A LETTER FROM THEM STATING IT WAS FROM SPRINGLEAF FINANCIAL ( WHOM I NEVER HEARD OF ) BUT YET STILL NO VALIDATION SUCH AS COPIES OF THE APPLICATIONS SHOWING I APPLIED FOR THIS LOAN.. NOW THEY ARE OUT OF TIME.. I WANT THESE BOGUS INQUIRIES REMOVED.. 
THE DATE OF THE INQUIRIES ARE : XX/XX/XXXX AND XX/XX/XXXX ... AGAIN NEITHER ONE OF THESE DONE BY ME .... 

I DEMAND THESE BE REMOVED AT ONCE .... I ALSO CONTACTED XXXX   TO REVIEW THIS INFORMATION IN DISPUTE ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
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 fraud alerts or security freezes

Complaint:
On XX/XX/2019, I tried to freeze my credit reports XXXX times using Experian 's website. Each time I submitted the online form with correct information, the website displayed an error message saying that my request could not be completed and that I had to mail in documentation. 

I had no issues freezing my credit reports with XXXX and XXXX on the first try during that same time periods. 

Based on the consumer complaints, this has been a known issue for almost two years, ever since freezes became free. 

There is no excuse in this day and age for a financial firm to have inadequate security and technology 2 years after a major breach and new laws being inplemented. Experian seems to be willfully skirting their legal responsibilities by making it difficult for people to protect their identities using the most convenient method ( the internet ).

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 2017-09-08
Company: Convergent Resources, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid XXXX directly and by law, they must recall the account from Convergent, which Covergent agrees they did. Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 contacted Transuion on XXXX XXXX, XXXX regarding a late payment for XXXX XXXX XXXX for XXXX on my credit report. I provided Transunion with a demand letter from XXXX XXXX XXXX requiring all credit reporting agencies to remove the late payment from XXXX from my credit file. Transunion sent a response letter dated XXXX XXXX, XXXX advising that the late payment from XXXX had been removed from my file and the account would show always paid on time. However, credit reports from Transunion from XXXX XXXX, XXXX and XXXX XXXX, XXXX both show that Transunion has not removed the XXXX late payment from my credit file as they promised to do so in their letter.

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 2022-09-05
Company: Oklahoma Student Loan Authority
State: LA
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:
OSLA Student Loans have me in the collection status, and the account was not late. 

I may not have passed a Secret Background for this matter. I called and disputed this situation several times.

Company response to consumer: Closed with explanation