BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: AR
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 been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA.

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced 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 2023-08-14
Company: NEW YORK COMMUNITY BANCORP INC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
In XXXX, I opened a joint line of credit with XXXX XXXX XXXX XXXX, attached to my joint checking account with my wife, at the time. I divorced in XXXX ; I provided XXXX XXXX my divorce decree which stated I was responsible for paying the remaining balance of the joint line of credit. XXXX XXXX required me to open a new account ( as an individual account ) but would not allow for me to refinance the debt in my name only. Instead, they locked the line of credit, requiring pay down of the debt and reassured me no additional funds could be drawn against the line. I continued to make regular payments in order to satisfy the debt. 
In XXXX, Flagstar Bank acquired XXXX XXXX. The original line of credit came over from XXXX XXXX as a Locked line of credit ; pay down only along with my checking account. This fact has been verified several times by employees of Flagstar Bank. 

In early XXXX, without my authorization, consent or knowledge Flagstar Bank re-opened the line of credit. In re-opening the line of credit, they allowed my now ex-wife to make withdraws in excess of {$5000.00}. Flagstar confirmed the withdrawals were initiated online and transferred to an account she had direct access to. Flagstar Bank was complicit in the fraud, they allowed for her to change the mailing and billing address, making me completely unaware of what was taking place. I was notified by Flagstars collection department regarding the minimum payments that I was making were less than the requirement from the billing cycle. I immediately called banking representatives and spent countless hours on the phone and in the branch trying to rectify the situation. I paid Flagstar bank the remaining portion of the original amount I owed ( what was transferred over from XXXX XXXX ) approximately {$1200.00}. And further explained collection efforts should not involve me as the liability is on the lender due to their negligent handling of the loan. 

Flagstar has been less than helpful and is claiming I owe the full balance which is outside of my original loan agreement with XXXX XXXX. They also have damaged my credit and continue to pull credit bureaus in attempt to collect a debt that is fraud. These institutions have failed me

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 2022-12-01
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-01
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I lost much money from myself, my family, and my friends because of XXXX XXXX XXXX. The sum of all of us is roughly XXXX XXXX. That happened about a year ago from now. 

XXXX XXXX XXXX told us a false online site ( later discovered ) that he made money from investments and demanded money from us. 

After we sent the money to his account, XXXX XXXX was dismissed shortly after attempting bankruptcy in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My husband, co-owner of the Bank of America account is a federal employee and back in XXXX the XXXX was hacked and our personal info was stolen. In XXXX they filed fake tax returns and so began our IRS issues. Finally we received our XXXX taxes, plus interest because IRS made so many mistakes and misplaced this tax years forms we filed. I deposited the check from IRS/Treasury last night through ATM at approximately XXXX. The check amount is for {$12000.00}, which we suffered and waited almost 5 years for and although the treasury pays out into our bank immediately Bank of America is holding the funds until XX/XX/XXXX, which is ridiculous when we both know they already received the funds into BOA, they are just holding it to make interest and you guys know it. This is wrong!! if its fraud, they would not have received the funds already and they have so they just sit on it for XXXX days and make the interest. This is an illegal tactic by the banks to try to compensate for not charging on overdrafts because theyve lost so much money on not charging for overdrafts. They try to tell me its some kind of protection against fraud well back in XXXX I contacted Bank of America to tell them to make sure that every time someone called in about our checking account that they were supposed to ask them to say the secret phrase that I requested for our protection and BOA stopped asking me about the secret phrase XXXX years ago. When I asked them today, why are you not asking me the secret phrase? no one knew what I was talking about but then they found it so you cant say youre trying to protect me and protect them from fraud but yet youre not doing it!? I find this behavior and tactics by this bank unacceptable. I am going to contact my local senators. Also, we waited a long time for that money and we deserve it. Ive been through XXXX because of the federal government having a unprotected personnel files of all federal employees! I can understand a XXXX  day hold but I watched an individual in the bank deposit well over {$20000.00} in there was no hold for several days that money per the BOA teller told them the funds would be available tomorrow!

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 2023-08-13
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I received a letter from Stillman Law office stating they were contacting me about the debt I owed on one of the private loans I obtained from XXXX XXXX. 

I proceeded to obtain a Debt Verification Letter template from the Consumer Finance webpage : https : //www.consumerfinance.gov/. This letter asked for all possible verifying information on my debt. I sent this letter to Stillman Law Office through certified mail on XX/XX/2023. In my letter, I requested they back to me within 30 days and they have failed to do so. 

Since XX/XX/2023 I have not received any mail, phone calls, or other forms of communication from them so I have no idea where my debt is or where it stands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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:
On XX/XX/23 I wrote a certified letter to XXXX, Equifax, and XXXX in regard to my private nonpublic information supported by 15 USC 6801. In the letter, I stated that I elect to OPT OUT of reporting information from XXXXXXXX XXXX and reporting information from XXXXDept of Ed protecting my right to privacy according to 20 U.S. Code 1232g - Family educational and privacy rights I elect to OPT OUT of reporting this private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: S.B.S. Trust Deed Network
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
SBS Lien Services was hired by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX XXXX to foreclose on my condo XX/XX/XXXX. The alleged amount owed was wired under protest in accordance with the instructions provided by SBS Lien Services. ( 1 ) -In XX/XX/XXXX, my former HOA account with XXXX  XXXX XXXX assessed a NSF check fee because SBS Lien Services issued a NSF check. ( 2 ) -On XX/XX/XXXX, my current HOA account with XXXX  XXXX also charged a NSF check fee due to SBS Lien Services issuing another NSF check. ( 3 ) -In total, SBS Lien Services sent two NSF checks. ( 4 ) -On XX/XX/XXXX, XXXX XXXX updated the California Secretary of State ( Ca SoS ) website by associating a business entity from a XXXX XXXX with the same name and a similar address with the information of XXXX XXXX  XXXX in XXXX XXXX. ( 5 ) -On XX/XX/XXXX, XXXX posted a wire transfer ( HS # XXXX ) of {$50000.00} to my account. Finally, SBS Lien Services transferred the money that I had wired on XX/XX/XXXX. ( 6 ) The NSF check fees and late fees have not been reversed. ( 7 ) -On XX/XX/XXXX, XXXXa filed a Registration of Unincorporated Common Interest Development Association with the Secretary of State ( SoS ) for XXXX XXXX  XXXX in XXXX XXXX. Yes, XXXX just filed it yesterday, XX/XX/XXXX. 

( A ) -What information did SBS Lien Services lack from the HOA that prevented the timely disbursement of funds? ( B ) -Which identification documents did SBS Lien Services use to verify that the " HOA BUSINESS ENTITY '' involved in the foreclosure was a legitimate entity operating in California in XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX  : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-10
Company: Experian Information Solutions Inc.
State: NY
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:
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete ASAP.

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 2023-05-10
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:
This is XXXX XXXX XXXX and I am submitting another CFPB Complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. I need the following items removed from my Credit File : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2500.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$9600.00}. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: NV
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 three companies inaccurately reporting a late payment on my credit report when it was never late. XXXX XXXX, XXXX XXXX, and XXXX XXXX are all reporting me as late one time when that is untrue. I have sent letters and proof to both the companies and all three credit bureaus and the error has not been fixed. It is holding up the sale of my home because of me being unable to buy the new home.

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 2023-05-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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 believe my credit report has been hijacked. I was looking through my records once more when I found numerous things that didn't belong to me. I learned that section 605b of the FCRA requires you to remove and ban any products that are discovered to have been opened as a result of identity theft because I'm a stickler for details. The objects in dispute are not mine. For your review, I've attached the FTC Report that is necessary ( based on additional investigation that both parties requested ). To prevent/remove these files, kindly. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} Date Opened : 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 2023-05-10
Company: Experian Information Solutions Inc.
State: IN
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 dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX  XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX  XXXX of inquiry : XXXX XXXX  Date of inquiry : 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 2023-05-10
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:
Ive made previous complaints with you about this world acceptance account reporting on my credit report. You guys couldnt have been following the procedures of following up with the furnisher because I asked world finance directly and they have sent me a letter which Im attaching to this complaint stating that they did NOT chargeoff this account!! They said they sold the account and no longer have any information on the account. So If they dont have any information on the account and didnt charge the said account off that means that you guys are reporting this account inaccurately and are violationg 15 USC 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXXXXXX 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 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 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 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