BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-21
Company: Eltman Law, P.C.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had the judgment for this debt vacated in 2011 against XXXX and now this new company is contacting me about the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
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: Credit inquiries on your report that you don't recognize

Complaint:
Transunion Customer Service would not help take care of negative inquiries on credit report. 

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 explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # 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 2021-01-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have reported and disputed the XXXX XXXX account on report several times. Due to the fact per their contract vehicle was voluntarily surrendered because we was moving out of state. Not because we was in default at any point. In Fact would have kept it and kept paying had we been allowed. We was told to turn it in. We was also told if we provided proof that we actually moved out of state and not just trying to get out of contract, that Balance would be forgiven. We did that!! There is a statement on Report that we did so. Said vehicle was turned in XX/XX/2018. However still reporting late payments. It will come off for a few months then come back on.

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 2021-01-08
Company: Experian Information Solutions Inc.
State: TN
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 complaint is with Experian. I incorporate by reference and support the attached Mortgage credit report. According to Experian, the key factors that adversely affected my Experian credit score : XXXX SERIOUS DELINQUENCY. Note : According to Experian reporting, I have XXXX open accounts, all of which have never been late. Note : According to Experian I have XXXX closed accounts, XXXX XXXX XXXX account paid off XXXX years early when XXXX misreported a late payment in XXXX which I disputed ; XXXX Department of Education Account closed, having never been late ; XXXX XXXX XXXX XXXX XXXX loan closed, having never been late ; XXXX XXXX XXXX XXXX account closed, having never been late ; XXXX XXXX XXXX XXXX XXXX Account disputed and closed, having never been late and Credit Union and scheduled to drop from reporting in XX/XX/XXXX ; XXXX XXXX accounts closed and disputed wherein XXXX abandoned their claim and then issued a separate XXXX for each and scheduled to drop from reporting in XX/XX/XXXX. 
XXXX RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH. Note : According to Experian reporting my ratio to limit is 2 % with credit availability of 98 %. 
XXXX PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH. Note : My ONLY LOAN, a student loan balance is currently {$76.00}, XXXX and I am currently paying no interest, with the balance scheduled for discharge under the Public Service Program. Based on the program criteria, my monthly payment is {$0.00} and will be fully discharged on XX/XX/XXXX. 
XXXX NUMBER OF ACCOUNTS WITH DELINQUENCY. Note : According to Experian, I have no accounts with delinquency. Delinquency is defined as a failure to pay outstanding debt. Neither the XXXX XXXX XXXX XXXX, XXXX, or my student loan are outstanding. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX both formally and inexplicably abandoned all right and recourse to their claim, with prejudice, and have no recourse to recovery. My student loan is neither outstanding nor inappropriately high as I am in full compliance with the repayment plan. XXXX TOO MANY INQUIRIES LAST 12 MONTHS. According to Experian, I have XXXX inquiries on my credit report XXXX of which are Mortgage and Rent. The XXXX remaining inquiries are disputed as they were obtained under the premise there would be no hard inquiry or impact to my credit report. As a direct result, they should be stricken.

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 2017-03-18
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There was a Federal Tax Lien that was removed in XX/XX/XXXX. XXXX made the correction, as well as XXXX. But Equifax never made the correction. In fact, they got the information from XXXX. I called the IRS and they told me that there is not a Federal Tax Lien! 
Here is the info : Federal Lien Released by Internal Revenue Service ( IRS ) Case Number : XXXX, XXXX Circuit Court Issue Date XX/XX/XXXX Amount : {$3500.00} Release of Lien Date : XX/XX/XXXX XXXX and Equifax are reporting that I have a Federal Tax Lien, but there is no lien! 
The IRS Lien department phone number is XXXX to verify any liens with the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax fails to remove the XXXX XXXX XXXX XXXX account. Equifax reports incorrectly the date of first delinquency for removal. Equifax reports incorrectly that this account is scheduled to continue on my report past the statutory limits of the other major CRA 's even though I received a XXXX XXXX XXXX XXXX Cancellation of Debt from XXXX. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and someone stole my personal information and identity to open up unauthorized and fraudulent accounts in my name. The following accounts listed on my Equifax credit report do not belong to me : XXXX XXXX XXXX XXXX XXXX. # : 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 2022-10-12
Company: Bay Area Receivables, Inc
State: DE
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 XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I requested from XXXX XXXX XXXX cash app XXXX XXXXXXXX to return my money back due to a scam, saying he needed money for his father medical assistance, I sent him {$200.00} and than he text back saying that that his father needed more money because he needed to pay more medication that his father needed and the hospital he was in, didn't cover them, and that his father was very sick, I sent him another {$300.00}. XXXX XXXX XXXX stated that they will return the money once his father was out of the hospital, that his father bank accounts were frozen due to legal problems with his mother in law and that he would return the money on XXXX the XXXX XXXX, that was the date his father bank accounts would be available. Up to now he has not returned the money and I have requested to return it several times through cash app, and he has declined my request. I have already reported it to cash app and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Experian Information Solutions Inc.
State: TN
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:
never applied for these accounts

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 2021-01-08
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a mortgage with XXXX XXXX XXXX. I used the Covid Cars Act to defer payments on the mortgage for three months beginning, XXXX of 2020. I sold my home for a profit in XXXX of 2020. XXXX was able to recover the back mortgage payments from the home sale. Even so, my credit score which was in the mid XXXX ( excellent ) just before I took the deferral and subsequently sold my home, tanked down to the XXXX ( fair ). It is still there even though I have a 100 % payment history on my reports and minimal credit card debt. I have government backed student loans which were there prior to the deferral. I have reached out to the credit bureaus and to XXXX who have given me the runaround each time. I need this fixed 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 explanation
Consumer complaint received 2015-10-20
Company: PHH Mortgage Services Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
PHH Mortgage aka XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, NJ XXXX has been totally misleading, lying & derelict in their duties. I paid off my mortgage on XXXX XXXX, 2015 & to date ( 4 months later ) I have not received my paid in full documents. I have sent 2 letters & spoke with representatives on 4 different occasions without any action, callbacks, or results. They all just lied & said they would take care of it. Just awful

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
After the death of my husband on XX/XX/XXXX and the loss of my job, I was unable to pay the mortgage on our home. I went through the necessary steps and returned the deed to XXXX and it 's attorneys on XX/XX/XXXX. It was recorded as becoming XXXX property on at the local courthouse on XX/XX/XXXX. The original deed was released to me in early XX/XX/XXXX. A new owner purchased from XXXX on XX/XX/XXXX. I am trying to get a mortgage for a condo I have under contract and it has been brought to my attention that all XXXX credit bureaus have XX/XX/XXXX as the date the deed was returned.Over XXXX year and XXXX months after it happened. Even though I have all sorts of proof, the mortgage credit bureau will not accept it because it has not been corrected on my consumer credit reports. Please help me! Time is of the essence.It 's hard for me to understand why this ca n't be easily corrected as the dates I am telling you are all public record at the local courthouse. We have been in contact with XXXX, but this has not yet been resolved. All the documentation was rejected by the mortgage credit bureau. I 'm not sure I know the difference, but the date in XX/XX/XXXX is just WRONG! Please let me know if you can resolve this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Paypal Holdings, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There were two fraudulent charges submitted to my Paypal account on XXXX XXXX, 2020 in the amounts of {$790.00} and {$1000.00}. Paypal is refusing to remove the charges from the account after providing them with sufficient proof.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-08
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a mortgage with XXXX XXXX XXXX. I used the Covid Cars Act to defer payments on the mortgage for three months beginning, XXXX of 2020. I sold my home for a profit in XXXX of 2020. XXXX was able to recover the back mortgage payments from the home sale. Even so, my credit score which was in the mid XXXX ( excellent ) just before I took the deferral and subsequently sold my home, tanked down to the XXXX ( fair ). It is still there even though I have a 100 % payment history on my reports and minimal credit card debt. I have government backed student loans which were there prior to the deferral. I have reached out to the credit bureaus and to XXXX who have given me the runaround each time. I need this fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX different debts on my credit report that come from credit cards that are not my accounts. These accounts are owned by my employer. I have extension cards on these accounts issued by my employer for my work with them but these accounts are not my responsibility.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/XXXX Coinbase ( Coinbase Wallet ) XXXX XXXX  XXXX # XXXX XXXX XXXX, CA XXXX On dates ( summarized ) : - XX/XX/XXXX Sent ETH to Coinbase Wallet - XX/XX/XXXX Sent MANA to Coinbase Wallet via Coinbase/XXXX  XXXX Sent BTC to Coinbase Wallet  XXXX Sent XLM to Coinbase Wallet via XXXX XXXX Sent XRP to Coinbase Wallet via Coinbase XXXX I downloaded this app from the XXXX Platform to my mobile device and screenshot my recovery phrase on this specific date ) XXXX Coinbase Wallet became inaccessible XXXX Coinbase Wallet was created The sum here is I have transactional proof of where funds got to my previous wallet. I'll be more than happy to disclose in more detail these transactions and whatever else to do so. 

I am writing you because ( I have been locked out of my account due to what I highly speculate is that there was a bug with the fingerprint authentication leading to being locked out of my funds. The new 12-word mnemoic phrase for my empty wallet is EXACTLY the same which I can screenshot for proof as well ) : -The customer service team has not fully resolved Case # XXXX ( prematurely closed ), now Case # XXXX. 

Under the " Sale of Goods and Supply of Services Act, 1980 '' and from XXXX ( will be the last point ) - The supplier has the necessary skill to provide the service -The service will be provided with proper care and diligence - The materials used will be sound and that good supplied with the service will be of merchantable quality - " ... This means that if you lose your recovery phase, you will lose access to your Coinbase Wallet ''. I never lost it so when it locked me out, I should have been able to log back in. Makes sense right? 

Well, that's not what happened and that's why I am submitting this complaint today. This crypto wallet has become inaccessible no fault of my own and I need Coinbase Wallet to do the right thing and redeem my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-18
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
This is about a collection company for XXXX. I was in the hospital in XXXX for over XXXX years. The phone number XXXX called me on the hour every hour. When I was released from the hospital they called me last me last night. I asked what company this was. I explained I had been in the hospital over XXXX times in the last XXXX days and when I got settled, I would review the situation. I got another call from them XXXX minutes later and then again in an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have written the credit reporting agenecies XXXX and XXXX numerous times in the past serveral months about a company reporting a debt on my file from XXXX XXXX that sent me a letter stating and i quote as it states in the letter " To XXXX XXXX the purpose of this letter is to advise you that XXXX XXXX XXXX XXXX has closed the above referenced account and will no longer be collecting on this account including account from original creditor XXXX XXXX XXXX XXXX You have no further financial obligation regarding this account. '' It further states that all credit bureaus have been notified ( ExperianXXXX, and XXXX ) to remove this item and correct this from your credit report. I immediately contacted the credit bureaus and they have refused to remove items as directed by the creditor as of yet. As this has brought down my credit score drastically being it was a collection acct.and caused me to to be unable to get loans for cars, mortgages, ect. I demand that you inform these companies of the fact that this needs to be removed immediately.I have an open litigation against XXXX in Civil Court that is pending as of now, as they have refused to remove another XXXX of the accts. on my file XXXX Bank bank loan that has been placed on my credit file that is not mine, they have been asked to removed numerous times and have refused. These companies have cost me thousands of dollars from getting loans ect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Experian Information Solutions Inc.
State: WA
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: Problem with personal statement of dispute

Complaint:
Experian failed to conduct a proper investigation as to a dispute between myself, XXXX XXXX, and XXXX XXXX. Experian alleges to have opened a dispute as

of XX/XX/2020, and gave notice that the dispute was complete, and closed as of XX/XX/2020. A review of their online records dated XX/XX/2020 r
eveals that Experian did not allow a consumer statement disputing the charges against XXXX and XXXX XXXX, and didn't properly investigate the dispute. Additionally Experian only allows 210 words for a dispute which is not legally sufficient in order to transmit useful information. 

The outstanding issues between myself and XXXX and XXXX XXXX are : XXXX not recognizing the one year warranty. 
XXXX not disclosing correspondence from XXXX XXXX during the first 30 days advising they would fix the laptop. 
XXXX not disclosing correspondence from XXXX XXXX within 7 months after purchase advising that the company was not able to honor its warranty. 
XXXX extended warranty program not admitting or willing to look at the correspondence referenced earlier in this communication. 

These issues need to be investigated, and if XXXX can't supply it to the credit reporting companies then their complaint should be completely removed as erroneous. The problem is that XXXX like most institutions pays a lot of money to the credit bureaus so there is an automatic bias in protecting their views. 

In summary, Experian is liable for no consumer statement, and no proper investigation.

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