BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
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:
My name is 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 2017-10-17
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I 'm next to livid with all three agencies in the wake of the XXXX breach. First, no consumer should have to pay a fee to safeguard their financial identities and livelihood because of irresponsible reporting agency actions. It 's infuriating, and I plan to contact state legislators in Virginia about a fix. 

Second, I 've successfully frozen my report at 2/3 agencies. Experian has proven to be the least user-friendly site. It asks for your credit card information BEFORE verifying your identity. And multiple times, I 've attempted to place a freeze online to be told I can not be offered this service at this time and that I 'd need to MAIL them a host of documents verifying who I am. It seems infuriatingly odd to me that they are making it as inconvenient as possible to freeze your report. Additionally, there 's no easy way to speak with a customer representative when trying to file online. It 's online ( unsuccessfully ) or via certified mail, another cost to the consumer, or not at all. 

Additionally, I have issues with their previous address field. They often have specific requirements for how you enter the address and no guidance on specifications for that field to ensure it works seamlessly with their identity verification system on the backend. This can result in failed attempts as well with NO GUIDANCE as to how addresses should be entered into the form with multiple parts ( like apt . # 's, etc. ). 

Quite frankly, these companies are the WORST! The balance of consumer and business interests is way out of whack. XXXX would not accept my debit card to pay for this freeze, and I went with an alternate payment card, but still had THREE attempts from them on my pending transactions list at my bank, which they 've assured me would come off in 3-5 days. Yet, my bank can only see one of the transactions has been manually cancelled.

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 2017-10-17
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
Debt was removed from my credit report after not being able to validate the debt as per my right to FCRA. Then re added back on there which is a direct violation of my FCRA. 

A consumer reporting agency shall provide to a consumer in writing, no later than 5 business days after the date of the reinsertion : ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information, and ; ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I received no such notification and this is a serious violation of the FCRA. I am requesting that you furnish this information within 15 days. If you do not provide the information requested, you must delete ( this/these ) account ( s ) as required by the FCRA. Please send me a copy of my updated credit report after you have completed this request. 
I request that these debts are removed immediately as they do not belong to me. 

I contacted the credit bureau and there was no validation provided XXXX from Equifax, XXXX XXXX, 2017 at XXXX provide any validation about the debt that is allegedly owed. I am extremely upset that my rights were violated and will attempt to take legal action of necessary. 
==

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: EQUIFAX, 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 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 account without my written instructions *in accordance with the Fair Credit Reporting Act XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX 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 account without my written instructions *in accordance with the Fair Credit Reporting Act XXXX XXXX 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 account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
lien release from MERS in 2005, also part of XXXX mortgages put in document in 2005 that XXXX XXXX XXXX XXXX XXXX states it is the trustee, have received several payments from XX/XX/XXXX lawsuits, local attorneys used robotsigned documents, that have been made permanent record in county record

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Early Warning Services, LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Someone sent me a payment via Zelle. I did not have Zelle at the time. I received a confirmation text of the payment. I signed up for Zelle through my bank. Zelle states they " don't have anything to do with the transaction '' and XXXX states there is no record. If Zelle doesn't have a record of the transaction ( I have the text ). How are they sending payments? Both companies are sending me to each other with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
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 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 account without my written instructions *in accordance with the Fair Credit Reporting Act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX 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 account without my written instructions *in accordance with the Fair Credit Reporting Act XXXX XXXX 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 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 2017-10-17
Company: Coinbase, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I include attachment for successful purchase from Coinbase online Coinbase.com for XX/XX/XXXX using my XXXX XXXX ending in XXXX. I am including an attachment showing Coinbase rejecting same card XX/XX/XXXX and another for XX/XX/XXXX. I submitted tickets to question why I was able to use this card for a {$3000.00} purchase the same day to an investor. My bank in each case said that there is not a problem with my card account. Coinbase has complaints about these problems and they will not tell me why I can use this card for hundreds of dollars of purchases with XXXX online and they are rejecting it. I tried another bankcard ending in XXXX and they rejected it also. Coinbase has a XXXX option but unlike all others do n't allow BUY selection only SELL selection. They claim I ca n't send them a cashier 's check. So I purchased a {$150.00} prepaid XXXX XXXX gift card and when I entered it they state their policy is not to honor prepaid cards. I finally got through on their ( XXXX ) XXXX custmer service and asked XXXX why they had not solved my XX/XX/XXXX ticket and he said they have millions of backed up emails to solve. I need their product in order to use a {$3000.00} product and I had already done business with them in XX/XX/XXXX successfully with the XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Experian Information Solutions Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am receiving phone calls from a company that shows up on the caller ID as XXXX XXXX. The phone number is XXXX. They called on XX/XX/17. Unfortunately, my caller ID doesnt go back far enough to see the other dates. I get calls these very frequently and would like for it to stop. I have asked them on numerous occasions to take me off of the call list and to leave me alone. The last time, I asked the representative if she understood that a fine could be leveled against the company for calling someone on the do not call list and she hung up on me. I get several calls in a day from telemarketing services and I feel that the DNCL and associated laws are not working. Please help correct this issue. 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 2022-06-12
Company: BMW Financial Services NA, LLC
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX of XXXX and On XX/XX/2022 I, XXXX XXXX, a natural person and consumer, send letters to BMW requesting an XXXX XXXX so that I may validate the alleged debt and also letters to cease and desist violating me ( attached ). BMW has not responded to my request and it has been over 90 days from the first request and over 45 days from the second letters. My consumer legal rights are being violated. Certified letters on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received 1 or more letter according to dynamic recovery solutions, that I owe a amount of XXXX I believe I have been scammed of money by the original collector XXXX XXXX XXXX XXXX XXXX  I have had problems with financial situations like this one and I do not owe this money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Experian Information Solutions Inc.
State: MD
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:
The credit bureau has illegally added a late payment for my closed XXXX XXXX credit card that was paid over two years ago. The account number is # XXXX and this account should not be reporting any new activity, it has been paid and closed. I am attaching a screenshot from an XX/XX/XXXX credit report and a recent XX/XX/XXXXreport I got from my mortgage broker. As you can see in the screenshot I highlighted, the credit bureau added a 90+ late payment date of XXXX for my XXXX XXXX account. This is impossible since the date of last activity for the account was XXXX XXXX and it is a closed account. Under the Fair Credit Reporting Act Section 605 ( c ), it is a violation for a creditor and credit bureau to try and " re-age '' an account by updating the date of last activity. I need this XXXX 90+ late payment to be deleted immediately as it is inaccurate and incorrect 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 2022-01-12
Company: FULTON FINANCIAL CORPORATION
State: PA
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:
Account was closed by me due to inaccurate fees charged to my account. 
Around 2008 they began to report inaccurate debt to credit bureau yet even after my desputes they continue to report the account. 
This account is well over 12 years old. 
How can they continue to publish this a derogatory account? 
Can you Please assist me with this? 
Thankyou

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 2020-11-05
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage took over my acct in XXXX. Prior to XXXX my acct was in good standing. Freedom Mortgage repeatedly placed my payments in unapplied funding acct. Even though the banks confirmed the money had been taken out by the XXXX XXXX refuted the claim and placed me in foreclosure. I have recieve asst from keep your home california {$27000.00} in XX/XX/XXXX. Freedom Mortgage XX/XX/XXXX took {$25000.00} out of my XXXX XXXX XXXX XXXX Acct. Not authorized. They credit themselves the money. Took XXXX monies. Stated I owed all the monies XXXX just gave them. Stated I owed, them XX/XX/XXXX - XX/XX/XXXX. When asked about the XXXX XXXX they stated, that amount did not exist nor the Source. And the only monies they saw was the XXXX they credit themselves out my Personal Credit union acct. I a Loss Mitigation package XX/XX/XXXX. Paid {$2500.00} for 3 months. I Completed loss Mitigation package Trial payments. I notice that Freedom Mortgage had stated I owed XXXX. I notified my attorney XXXX of the discrepancies. He replied, I did my Job you just need to sign the papers. And to make my Payments. I was informed by Freedom of a Surplus of {$2400.00} and {$500.00} that was in unnapplied fundings. I was instructed to pay {$1500.00} XX/XX/XXXX. And Freedom stated they would applied {$500.00} to my mortgage. XX/XX/XXXX, Freedom Mortgage stated, I owed {$4400.00}. The {$1600.00} was not enough to cover the Mortage and it is in unapplied funding.

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 2022-06-12
Company: Experian Information Solutions Inc.
State: AR
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:
Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : Inquiry from XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX XXXX  XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

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 2022-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Capital One refused to provide written instructions to consumers on how to close checking or savings accounts. The terms and conditions of the service disclosed to the customer never explicitly specify that customers who do not communicate via telephopne ( including TTY ) will not be able to close their accounts. In addition to that Capital One refused to provide reasonable accommodations to consumers who do not communicate via telephone ( including TTY ) under the Americans with Disabilities Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have 2 checking accounts with keybank, wife/myself ( 1 ) and daughter/myself ( 2 ). On XX/XX/XXXX my daughter noticed fraudulent activity on her account ( 2 ) and reported it to KeyBank. OnXX/XX/XXXX KeyBank put a {$1600.00} hold on wife/myself account ( 1 ) without notice or warning citing " write up offset '', leaving me unable to pay my bills. Keybank only response was to give me 2 case # 's XXXX and XXXX, also stating they have 10 business days to resolve matter. Can a bank do this? Had I not noticed this and mailed out payments my account would be overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
1. XXXX XXXX XX/XX/XXXX did an inquiry on my report without my consent. 
2. XXXX XXXX XXXX Bank XX/XX/XXXX did an inquiry on my report without my consent. 
3. XXXX XXXX XX/XX/XXXX did an inquiry on my report without my consent. 
4. XXXX XXXX XX/XX/XXXX did an inquiry on my report without my consent.

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