BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
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: Their investigation did not fix an error on your report

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 2023-06-06
Company: Experian Information Solutions Inc.
State: GA
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 strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Mandarich Law Group, LLP
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX sent mail to my step grandmother 's address regarding my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
PHEAA changed the interest rate on 2 loans back in XXXX of 2023 to the following : XXXX at 8 % and XXXX at 7.99 %. 

Then only a few months later effective XXXX of 2023, the following interest rate modification was made : XXXX at 8.5 % Keep in mind also that PHEAA failed to alert me of the change until after it went into effect, which is extremely concerning. This will be another complaint filed with several different agencies who oversee PHEAA 's operating capabilities. 

PHEAA/AES are doing this because I keep submitting complaints against their XXXX and they are trying to essentially get back at me for doing so. They will respond to this complaint and claim that it has something to do with periodic variable interest rate changes, but I find it convenient that because the amount of complaints have increased over 2023 that there have been 2 interest rate changes that favors PHEAA and in such a short time span. PHEAA discriminates against borrowers in all capacities. If a borrower makes a complaint, PHEAA uses that as a means to find and establish retribution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Accscient, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
on Wednesday, XX/XX/XXXX I started receiving phone calls from nationwide recovery systems from various spoofed numbers in an attempt I believe to conceal their identity and prevent me from knowing who they were. after getting multiple calls from the same number I decided to call them back XXXX XXXXXXXX XXXX during our 4 min call I asked that they send any info they had to the address on file and that they stop calling me and anyone associated with me via any means. I was transferred to a supervisor who stated that he would note my file and send a notice to the address on file ( which I have yet to receive ) I refused to verify anything as I did not want to have my words twisted and miss construed. in spite of my request on XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX the company called me from another spoofed number. I informed the rep that I had asked them to stop calling, that she was in violation of the FCRA and that I would be filing a complaint and requesting damages that I am allowed to the fullest extent of the law.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-05
Company: Block, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
XX/XX/2023 : I received a Cash App from my sister on XXXX. Previously I would have the option to XXXX out, and my default transfer is 1-3 days without a fee. Last night the options had been changed even though my default was 1-3 days. I was charged a fee of {$1.00}. My history shows I use this P2P service and accept the delays to avoid fees. Cash App is my least preferred P2P as their settings can be confusing for users and predatory. 
I have been in touch with Cash App and was unsuccessful in getting the agent and advocates to reverse the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My lender, XXXX, has not paid property taxes for my home. As a result, a XXXX has been placed on the property and goes to auction this Wednesday. 

I've communicated with my lender who claims that payments were sent, however the county treasurer notes no payments have been made. I've reached out to my lender several times and have not recieved any updates on the status of taxes. As of this morning ( XX/XX/14 ), the county treasurer still has my taxes as unpaid. Seeing as the XXXX goes to auction this Wednesday, it is likely I will need to pay taxes out of pocket. 

I am writing this to make other lenders aware of XXXX 's lack of follow-through and communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Coinbase, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Between XX/XX/2022 and XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX XXXX  ( XXXX USD at the time ) from my Coinbase account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Coinbase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Dear Sir/Madam, I hope this letter finds you well. I am writing to seek your guidance and intervention pertaining to a matter concerning my credit report. On XXXX XXXX I submitted a Method of Verification request to Experianunder the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 7 ). 

The aforementioned request was prompted by certain items on my credit report that I believe to be inaccurate. Under the FCRA, I have the right to dispute such items and, in turn, the bureaus are obligated to investigate the disputed information within a period of 30 days. Furthermore, if I question the outcome of this investigation, I am entitled to know how the bureaus verified the accuracy of the data. 

As of today 's date, it has been 15 days since I made the Method of Verification request, yet I have received no response from any of the bureaus. This inaction is a direct violation of my rights under the FCRA. The FCRA states that if a bureau can not verify an item within the stipulated time frame, it must remove that item from the consumer 's credit report. 

The absence of a response to my request implies that the bureaus have failed to verify the accuracy of the disputed items, and as such, they ought to be removed from my credit report immediately. I am kindly asking for your assistance to ensure my rights under the FCRA are upheld and that the credit bureaus adhere to their statutory responsibilities. 

Enclosed, please find copies of the Method of Verification requests, First dispute and Email I received from Experian this morning these were all sent to the bureaus as well as the return receipts for your perusal. 

I look forward to your prompt response and appropriate action. I sincerely appreciate your attention to this matter. 

Best Regards, 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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
unknown addresses on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: FL
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:
Despite the multiple previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; ACCOUNTS : XXXX XXXX XXXX and 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 2022-11-14
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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: Account status incorrect

Complaint:
There are accounts in my report that should not be reported. They are not familiar with me and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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 am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several unauthorized inquiries on my credit report that I did not authorize. The inquiries are fraudulent and we're performed without my authority. The inquiries are fraudulent from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I returned the car XX/XX/XXXX to the dealership due to them not having the title to the car. XXXX XXXX XXXX  closed the account. XXXX XXXX XXXX sent a letter stating they would Closed my account Requested that each credit bureau delete their trade line from my account. My accounts number is XXXX. I disputed the account with experian on XX/XX/XXXX which showing the account as open. On XX/XX/XXXXXXXX XXXX XXXX  responded and said that the information was accurate and my account was open. Which is false. My experian dispute report number is 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 2023-07-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I noticed a debt collection on my credit report that I was never notified of this debt or nor was it ever validated or given the opportunity to validate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX MO XXXX XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX {$170.00}XX/XX/XXXX XXXX Balance : {$160.00} XX/XX/XXXXXXXX Balance : {$2600.00}XX/XX/XXXXXXXX ( Original Creditor : XXXX XX/XX/XXXXXX/XX/XXXX) XXXX Balance : {$450.00}XX/XX/XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XX/XX/XXXX ( Original Creditor : XX/XX/XXXX) XXXX Balance : {$140.00} ; XX/XX/XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX MO XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: Atlanticus Services Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I purchased equipment through XXXX XXXX and financed through Fortiva. They upgraded my account to a XXXX XXXX without my permission. They said they sent an email where I was to opt out before some date in XXXX. It went to the Junk file. They moved my balance to this XXXX card. This is predatory. I did not want nor approve this card. No one should get an upgrade like this. Plus, my payment history disappeared. Totally inappropriate. I feel my age was a factor in thinking they could get away with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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 there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Synovus Bank
State: VA
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 have satisfied the account with the following company for the Account Number # XXXX and as a result I was notified that once I paid this account off in its entirety that this account would be removed from my credit file as it is preventing me from being able to gain credit at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am the victim of very obvious, and equally clearly reprehensible and corrupt, flagrant consumer fraud perpetrated by Discover Card ( Discover ). Basically, Discover has condoned and enabled blatant web based fraudsters to significantly overbill me for a XXXX, XXXX XXXX XXXX, NV hotel stay ( dishonestly billed at {$72.00} above the actual hotel charges and fees totaling {$220.00} ). 

Much more egregiously, the XXXX XXXX XXXX XXXXXXXX  in Discovers so-called Billing Disputes or Claims and/or Resolutions Department ( depending on what different Discover customer service agents called it ) pretended to investigate this matter. Then, after I provided Discover with very clear and indisputable evidence that the Internet scammers ( who also go by differing names, including XXXX and XXXX  before morphing into XXXX perhaps to facilitate their various Internet scams ) did not pay one dime to my hotel, the XXXX XXXX  there still want me to pay this entirely bogus charge. 

It is quite possible that the web con artists bribed someone at Discover to receive such a wildly unconscionable result out of those underhanded phonies. Otherwise, the vile Discover XXXX  believe it is far easier for them to cheat an honest customer on a one-time fraudulent charge, and placate the obvious web scammers, with whom Discover will no doubt be doing plenty of further business in the future ( legitimately or not ). Those two alternatives ( which are not at all mutually exclusive ) are the only ones that make a bit of sense to any sane, rational and fair individuals.

I figure your offices handle such matters, but am not entirely certain. I am very eager to pursue any and all applicable criminal charges for this indubitably illicit activity, including collecting any penalty or other fee levied on such incredibly crooked operators. I would not know if the sum involved here ( {$290.00} ) qualifies for felony grand theft or is deemed to be a misdemeanor level amount. 

I will reiterate that I shall gladly forward to you ( or any other relevant offices ) my easily grasped and unquestionable evidence ( for anyone who is not a XXXX XXXX ) proving beyond any possibly conceivable doubt I am entirely correct in this matter. That proof includes two very detailed and unambiguous letters sent to Discover ( last XXXX and last month ), along with a copy of my XXXX XXXX billing statement from my stay there last XXXX. 

That latter document expressly shows I had to pay my entire {$220.00} hotel bill when I checked in there on XX/XX/2022 ( which was done entirely in cash, as also clearly noted here ), because the web frauds never forwarded a cent to that establishment. I am not attaching these documents now because I am not sure if they need to be submitted to your offices or elsewhere specifically.

Company response to consumer: Closed with explanation