BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Total visa account disputed multiple times across each bureau came back verified, but each bureau is reporting information incorrectly as has done for almost 2 years, has allowed creditor to put incorrect information on my report in violation of FCRA

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 2021-11-16
Company: EQUIFAX, INC.
State: CA
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:
REFUSED TO COMPLY WITH FCRA 609 and 611 I have received letters from XXXX, XXXX and Equifax stating indirectly that they will not give the information that I requested under FCRA 609 and 611 XXXX has received multiple requests for Method of Verification under FCRA 611 ( a ) ( 7 ) and has not complied. Refuses to supply any documentation about their investigations and how they verified the information. Making all their reporting legally unverified information. These requests where received on XX/XX/2021, and XX/XX/2021. 

In addition, Equifax has received multiple requests for Method of Verification under FCRA 611 ( a ) ( 7 ) and has not complied. Refuses to supply any documentation about their investigations and how they verified the information. Making all their reporting legally unverified information. These requests were received on XX/XX/2021, and XX/XX/2021. 

Lastly, XXXX has received multiple requests for Method of Verification under FCRA 611 ( a ) ( 7 ) and has not complied. Refuses to supply any documentation about their investigations and how they verified the information. Making all their reporting legally unverified information. These requests were received on XX/XX/2021, XX/XX/2021, and XX/XX/2021, and XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I took my dad to open a new account We are having trouble with my brother abusing his POA his POA has since been revoked. When we got to the bank an XXXX XXXX offered to help. She asked my dads name and asked who I was. I replied im his daughter. She announced my name XXXX XXXX stuck her hand up in my face and said she wouldnt be opening any accounts for me today. I advised her I was there with my dad. She then told my dad he didnt need to change his account and sent us on our way. When we got home my dad was mad and said he wanted his money and wanted to close his account. So we went back to the bank. He walked up to XXXX at the window and told her to close his account. XXXX come running out of her office waving her arms yelling stop. She would not be closing his account and they were not accepting the revocation of the POA. Seems she has some kind of relationship with my brother. The next morning I woke up to a knock on the door. She had called the police and wanted me arrested for trying to still my dads money. This is just a start to what has happened. I have called the bank twice and no one has ever returned my call

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Security Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Security Credit Services (   XXXX   XXXX   ) is on my credit report. I have disputed this several times as I do not know what this is. I have asked them to send me proof that I was the person who created this account but nothing was sent. I have NEVER received any mail correspondence from this creditor. I am requesting that this be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: EQUIFAX, INC.
State: TN
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 a victim of Identity Theft. I contacted the FTC and they were very helpful in providing information as to how to help victims of ID Theft. I sent by certified mail to all  XXXX  bureaus all of the requisite information ID theft Affidavit, police report, etc ....  XXXX  and  XXXX  respoded professionally and promptly removed the fraudulent information. However, Equifax moved very slowly but finally sent me notification that the item had been removed. This was sent  XXXX   XXXX ,  2017 . I mailed off the information to them  XXXX   XXXX ,    2017  by certified mail. I checked my credit report on  XXXX   XXXX ,  2017  and the  itm  is STILL SHOWING. I called and was treated very rudely and put on hold for what totalled about an hour and I was told a bunch of lies. I can not believe the lies and deceptions. They stated that they would remove it within  48  hours of  XXXX   XXXX ,  2017 . The item is SILL showing and all the reps are rude and obnoxious. They in clear violation of FCRA laws are still reporting the fraudulent account on my credit profile. Please Help as they are adding salt to my wounds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: EQUIFAX, INC.
State: MO
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:
Showing 90 days late for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ... never late also loan switched to navient about this time and also I was on a defferment ... parent plus loan taken out in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
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 was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/XXXX, I transferred {$100.00} worth of IOTX crypto ( XXXX tokens ) from XXXX to my Coinbase account. IOTX was trading much higher on Coinbase so I wanted to sell from their platform. I have made plenty of transfers in the past and they normally take 10min to an hour to process. After appx 6 hours and not receiving the transfer I began to XXXX what the issue could be. I found a XXXX page with people expressing their same frustration regarding the exact same situation ; transferring IOTX from XXXX to Coinbase. The consensus was, the money was lost. I first reached out to Crypto who immediately responded saying, Upon checking your account, I can see that your withdrawal request was completed on our end. With that being said, please contact the Coinbase support team for further investigation in a case that you haven't received your IOTX tokens yet.

So I then reached out to Coinbase and received this response.

It appears this transaction was performed using a network that Coinbase currently does not support. Since we dont support this network, the funds did not arrive in your Coinbase account and we do not have the ability to recover these funds. 
So although token transfers are permitted, and both sites used the same IOTX code, somehow my tokens ( real money ), were lost into oblivion. Coinbase went on to say they recommend transferring a small amount first to make sure it works. I am honestly not sure how money can just disappear, and not just for me, but for enough people there was even a XXXX thread about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-25
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: Investigation took more than 30 days

Complaint:
XXXX  has been reporting the wrong  1st  date of delinquency since the loan has been on my credit reports. I have proof of this as well and have sent numerous letters to a ll    XXXX   credit bureaus with no change in it being fixed over the last year. Onl y   XXXX    credit bureau removed   XXXX  of the   XXXX    accounts as it should have been but failed to remove the other. I have sent bills from  XXXX  to prove that the first date of delinquency is incorrect and that the  XXXX  accounts from  XXXX  should not even be on my credit reports.  XXXX  has also been past the statute of limitations for NY  ( 6 years ). F or a long time  XXXX  was reporting the wrong history and balances of the accounts since day    one, but t hat was updated last year. I never had this issue with  XXXX   XXXX  as the original creditor. Please help me fix this situation as it is ruining my credit. I have highlighted in the  XXXX  payment history for both accounts in yellow via attached documents to show the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Experian Information Solutions Inc.
State: MO
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:
Showing 90 days late for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ... never late also loan switched to navient about this time and also I was on a defferment ... parent plus loan taken out in 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 explanation
Consumer complaint received 2021-11-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX visa/XXXX  XXXX XXXX  account disputed multiple times across each bureau came back verified, but each bureau is reporting information incorrectly as has done for almost 2 years, has allowed creditor to put incorrect information on my report in violation of FCRA, have disputed this multiple times

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 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I dispute the following with all 3 credit bureaus. I execersided my right under the Fair Credit Reporting Act, section 609, to request information regarding items listed on my consumer credit report the following bureaus. Transunion, XXXX  and XXXX  in XXXX, XXXX XXXX and XXXX. I asked for verification of the account, wet signture and proof of ownership with original contracts or the have the accounts deleted right away. As per section 609. XXXX, XXXX, ( XXXX XXXX XXXX XXXX, XXXX and XXXX, XXXX XXXX XXXX XXXX and Chapter communication. Credit bureaus are required to removed items if not verified within 30 days. This was never done and is a violation of my rights as a consumer. Please follow up regarding this matter as this mistakes had affected my quality of life, credit history and employment opportunities. This is part of fraudulent acts against me. Police reports were send along with documentation of identity theft. 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 2017-06-02
Company: EOS Holdings, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am disputing a collection from agen cy Collecto , Inc. / EOS CAA concerning a purchased debt from original creditor,  XXXX , Ac count Number  XXXX  on the illegal and purposeful re-aging of a recently purchased debt.
<P/>
Also, the collection agency EOS CAA also as not notified me in writing of the claim that a debt is owed or allowed me to dispute this debt in writing.
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Basis for the dispute : The debt collector Collecto , Inc. / EOS CAA is not reporting a date of first delinquency to the credit bureaus and the estimated month and year the item will be removed is different from the original creditor. The dates must be the same date of first delinquency. Any different date constitutes illegal re-aging.
<P/>
The original creditor,  XXXX , recently sold the debt during the 30 day dispute window in   XXXX   XXXX   as they could not validate the debt. I disputed the debt through the credit bureasu and the item was removed. However the new debt owner, Collecto, Inc.has submitted a new claim on my report.
<P/>
The Original creditor sold the debt to debt purchasers and collection agency Collecto , Inc. / EOS CAA. The Collection Agency Collecto , Inc. / EOS CAA is not reporting a DOFD ( date of first delinquency ) on my report. The DOFD is the date the account became 30 days late and no other payments were made.
<P/>
Regardless of how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change and must be listed on credit reports. Collecto, Inc. / EOS CAA has not listed this information and updates each credit bureaus weekly with new dates, continuing this illegal act I can provide reports and screen shots of clear FCRA violations in attachments of the original creditors reporting and the new collection agencies. Collecto, Inc. / EOS CAA states this debt will stay on my credit report until  XXXX . The Original Creditor states this debt will come off of my credit report in  XXXX .
<P/>
This agency is in breach of several CRA reporting guidelines as well as US law and I would like the item removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Diaz & Associates, Inc.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This person from an attorneys office in California is threatening to call HR for my employers if I do n't call him back. The only reason I answered is because I thought it was a job calling that I 'd applied for. He failed to properly identify himself & has an accent that can barely be understood. This message attached is from X/XX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX  account # XXXX disputed several times over 2 years, each bureau is reporting it differently, allowed creditor to report 90days past due every month, with different last active dates, different reporting history, and last payment dates, but came back verified each time, the credit bureas have violated my rights and allowed incorrect information to be reported on my report for 2yrs

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Experian Information Solutions Inc.
State: NJ
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:
THIS IS ACTUASLLY THE SECOND CFPB REPORT I BELIEVE I HAVE HAD TO COMPLAIN ABOUT TO FILE WITH.   XXXX   XXXX   HAS INSISTED ON LEAVING A DERAGOTRY ACCOUNT ON MY REPORT AFTER ALREADY REMOVIGN UIT ONCE DUE TO INACCURACIES! I CALLED THEM, I MOVED, THEY DID N'T SEND THE RIGHT BILL. I TOLD THEM NUMOEROUS TIMES. I WANT THIS ACCOUTN OFF IT IS CRAZY THAT THEY CAN KEEP REINSTERTIG IT AFTER TELLING ME PROVING THEY WIL ; L REMOVE!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: United Consumer Finance, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
X/XX/17  Consumer finance had my vehicle repossessed. I was a month and a half behind on payments I do n't believe the vehicle should have been taken. I have n't heard from Consumer finance and when i did try to call i spoke with a  XXXX  and he kept hanging up on me. I asked him what i need to do to get my truck back and or to get my personal property and he said i can not it has already been put up for auction. He then hung up on me again. Again i have not received a phone call or letter about the next steps i need to take. This is why i called them. I am going to talk with a lawyer about getting my personal property back because it is illegal for you guys to take it. Please let me know what i can do. i am also contacting the attorney general and BBB. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: CONDOR CAPITAL CORP
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My car was repossessed on XXXX XXXX, XXXX. I was out of work and could not keep up with my payments. I am now actively working and there will be no more issues. I was not notified by certified mail 10-days prior to the car being repossessed as required by Maryland law. I have paid all my past due payments and my loan is current until my next payment of {$460.00} is due on XXXX/XXXX/XXXX. The loan company is charging me a {$450.00} repo fee but since I was not notified that my car was being repossessed I am not obligated to pay this fee since I was not notified in advance. They will not release my car until this {$450.00} fee is to be paid. I have attached the only correspondence I have received from them which was after my car was repossessed. Also, attached are the receipts showing payment of the past due payments. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2019-12-11
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: Personal information incorrect

Complaint:
My name is XXXX XXXX, yet Experian report has my name as XXXX XXXX XXXX. I have been trying to get a loan for a house for months but because of the incorrect name in Experian, the banks can not process my loan application. I worked with multiple banks and they came across the same issue. I have called Experian many many many many many times and they gave me hope that it would be changed, however, later they told me that their company policy doesn't allow them to have two letter names as the first name. Their customer service refused to help me many times. My dad was given that name at birth and that's his name in everything. 
We can't change his name and Experian won't help us fix it in their system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Experian Information Solutions Inc.
State: NM
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:
I was contacted by XXXX and XXXX of XXXX XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX in XXXX XXXX, Ca. XXXX -- Ph # XXXX. In XXXX 2017 XXXX, the assistant to loan officer XXXX requested a credit report in order to verify a possible interest rate deduction. When asked if the report would be a 'hard ' pull, he responded in the negative. After a couple weeks of back and forth on mortgage 'replacement ' offers they proposed, it became evident that the loan I already have is most appropriate for me, not needing to pull any additional equity money out to pay any bills -- I have none that recur other than current mortgage.
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During our communication XXXX stated that the credit report request would not affect my credit score as they are to replace an existing mortgage. It is important to me not to have a negative effect on credit score because once retired, one 's income is lower, making it harder to qualify for another home or other big ticket item.
However, when I received my credit report from Experian, it now shows not one, but XXXX HARD Pulls from their organization. I believe they need to be requested to reverse what they have done, and to not do that to another prospective client. They have not responded to the email I sent requesting them to do so. Unfortunately, the credit bureaus will not perform this adjustment ; it must be done by the potential creditor.

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