BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: WA
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 XXXX  request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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
Consumer complaint received 2020-01-13
Company: North Shore Agency, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an unsolicited health information letter from the University XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX in XX/XX/XXXX. I did not read the letter. I did not complete a questionnaire. I did not sign anything. I did not check any boxes. I threw the letter into the trash as I do all unsolicited mail. Now, XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX NY XXXX, a collection agency, is demanding payment for {$16.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it 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 2022-07-20
Company: EQUIFAX, INC.
State: CA
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, US BKPT CT XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is unknown XXXX XXXX credit card account on my credit report that was opened on XX/XX/XXXX and updated on XX/XX/XXXX with a collection of {$700.00}

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 2022-06-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT, I DEMAND THAT ALL OF THE ITEMS LISTED BE REMOVED TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THESE ITEMS IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT, I DEMAND THAT ALL OF THE ITEMS LISTED BE REMOVED TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THESE ITEMS IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13
Company: CCS Financial Services, Inc.
State: AZ
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:
Back on XX/XX/2019 I paid off a debt from XXXX XXXX through CCS. After making payment I asked for a receipt and was told I had to wait about 12 days to obtain a receipt offline. I called CCS multiple times and have requested a receipt and it is now XXXX and no receipt of payment has been received. I had one of their representatives walk me through how to get a paid in full document offline and there were issues with their website site missing tabs that were supposed to allow me to print the document I needed to get in order to send to each credit bureau to have the account removed. I have called this company more than 5 times at this point and have been getting the same story and was told by a supervisor that the document I need would be in the mail ( this conversation took place on XX/XX/2019 ). Now I'm still waiting and no one has been any help. My file number is XXXX with this company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am XXXX negotiating a short sale on behalf of a borrower in which XXXX Bank is the servicer and owner of the XXXX mortgage. They have indicated this loan has been charged off, but when I ask them for the guidelines of their short sale process I 'm told short sale approval is based on a case by case basis. XXXX lienholder is XXXX serviced by XXXX XXXX. The borrowers are entitled to relocation incentive which the XXXX Fifth/Third will not allow. They are also asking that the borrowers make a payment prior to closing and they will then issue us a second approval letter accepting XXXX {$6000.00} towards the XXXX lien. The XXXX borrower has a XXXX which will not allow him to work any longer and his health will deteriorate to ultimately cause death. We have been working on this file for months and I believe Fifth/Third could be breaking some rules. I 've contacted XXXX and have n't gotten much help there either. I just am told there are no guidelines, they wo n't tell me how they based their decision, and I do n't know that everyone is treated fairly with that sort of attitude. Can you tell me if there are government guidelines to charged off type loans or does the servicer/investor have to provide us with those guidelines. Seems strange that it is left up to XXXX person to determine the future of a borrower with no regard to any sort of guidelines. Guess if that person is having a bad day the borrower is screwed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have a loan through Freedom Mortgage - XXXX months ago I applied for HARP- I sent in all documents that Freedom request- XXXX weeks ago ( XXXX/XXXX/15 ) I found out via email that the loan had been closed on XX/XX/2015- no explanation given- XXXX days prior to receiving an email from the loan processor I was informed that I would have to pay {$130.00} at closing- if I agreed they would continue with the loan- I asked what the {$130.00} was for - no answer- I was dealing with XXXX XXXX with XXXX and the next thing I received was an email from the loan processor telling me that the loan was closed did not give me an explanation nor a date of when the loan was closed - sent emails and left messages - no response from XXXX. I request to speak to his manager- XXXX XXXX XXXX XXXX assured ( XXXX XXXX informed me the loan was closed on XX/XX/2015- had I not received a notice in the mail ) I informed him that I had not received a notice via US mail and if the loan was closed on XXXX/XXXX/15 why was I still receiving emails from the loan processor regarding payment of {$130.00} at closing and I was informed by the loan processor that the loan was not closed- XXXX XXXX assured me that he would find out what was going on- spoke with XXXX XXXX who tried to blame the closing on the loan on me stating that I had not sent in all required documents- tried to explain that I never received an request from XXXX XXXX or his XXXX loan processors I was dealing with- XXXX XXXX stated that I did not send in the name of the HOA or the amount I paid monthly- XXXX XXXX was informed from the first day that I did not have a HOA or paid dues- I received an email from XXXX XXXX on Monday XXXX/XXXX/15 asking if I had been informed of {$180.00} that was one of the issues with my HARP loan ( which was closed on XXXX/XXXX/15 ) - sent an email informing him I did not know anything about {$180.00} and what other issues - I have not received a phone call or a email from XXXX XXXX or Freedom Mortgage- the lack of response and keeping me hanging for XXXX ( nearly XXXX months ) without an explanation or an effort to move forward with a HARP modification loan. Freedom Mortgage does not take responsibility for their mistakes and lack of communications but now I feel I have been discriminated against. I would like Freedom Mortgage to answer my questions regarding all issues I have had with their company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've made efforts to correct misinformation, inaccurate data and false accounts reporting on my file and this CRA has refused to be transparent with their investigation, continue to house false information on my report and keep me from maintaining maximum accuracy as outlined in the FCRA. 

Since XX/XX/2021, I've been sending correspondence concerning the inaccuracy of my consumer report. There are accounts reporting on my credit such as XXXX XXXX XXXX XXXX  XXXX XXXX XXXX in the sums of {$1700.00} and {$230.00} that have not been verified, no sufficient proof has been provided to me concerning the validity of these debts and the claim that I owe them. They're also not in compliance of federal and state laws as I was given no notice before they reported to bureaus, upon disputing they have came back " verified '' without showing permissible purpose to attempt too collect these debts and have had complete disregard for FDCPA laws. 

I have reached out to Transunion and the adjacent companies about these errors and lack of compliance countless times to correct information, request further details or demand deletion for lack of sufficient proof and they have chosen to either not respond to my requests or not perform their duties in accordance to the laws that are set to follow.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Over the course of the past month from XX/XX/XXXX to XX/XX/2021 I have been scammed by a fake trading platform called XXXX XXXX XXXXXXXX  The site has recently been taken down. However, the scammers also have another site that goes by a different name but is identical that is still up XXXX XXXX XXXX  They claim to be located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I invested {$31000.00} from my Coinbase account. Once I discovered the XXXX XXXX  platform was fraudulent I contacted the following government agencies to report the crime : FBI, SEC, FTC, XXXXPD, and CA Dept of Financial Protection and Innovation. I also contacted Coinbase to request a refund of the transactions per their user agreement that stipulates the following " The policy insures against theft of digital currency that results from a security breach or hack, employee theft, or fraudulent transfer. '' They state that they have criminal insurance to cover this type of fraud, but they are refusing to refund the transactions. Link to the user agreement can be found here XXXX XXXX XXXX XXXX  Can you help? I have evidence and documentation of everything that has occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: Avant Credit Corporation
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My daughter took on her own an emergency loan with the credit company " avant credit '' to face medical expenses ( XXXX with no income ). 
She has not been able to make payments back. The loan has been sold to another company " XXXX XXXX '' phone XXXX XXXX XXXX ( debt collector ). We have tried to call them many times but afound an answering machine each time we class, at any time during business hours. It is impossible to solve the loan. Interests continue to be added during this time!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: Synergetic Communication Inc
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed this account with both synergetic communications and XXXX about them report inaccurately on my credit report and both have been giving me the run around and neither wants to update as settled. this is not I paid the settlement and neither has reported it to the credit reporting agencies. it reflect as not paid or settled on my credit report for all three agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: AMERIS BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please note in the response from the bank the have my account mixed up with a different person with the same name. I did not have an account with this bank in 2016. And I have never had a problem with payments this is very scary that they have mixed up my account history with someone else with the same name. This is the first time I have had an account with this bank and I have never had the problem reported in both of the accounts from the bank. 

The wrong person 's account information has been attached to my complaint the report numbers are : # XXXX 2016 # XXXX 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: EQUIFAX, INC.
State: NY
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 would like to state that XXXX is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumers. I the consumer never gave XXXX any written consent to report anything on my consumer report. No consent is identity theft. I have enclosed a Identity Theft report which states that account ending in XXXX are being illegally furnish on my consumer report. I demand that you remove these inaccuracies off my consumer report. If they are not removed I will not extend my credit to anyone or allow XXXX to furnish a report for me. I would like to state that pursuant to 15 usc 1681 ( a ) ( 2 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX allowing these inaccuracies to be furnish on my consumer report it has cause me to lose confidence in the banking system. If XXXX wants to continue doing business with me, they should delete these inaccurate account off my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: Experian Information Solutions Inc.
State: NY
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 would like to state that XXXX is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumers. I the consumer never gave XXXX any written consent to report anything on my consumer report. No consent is identity theft. I have enclosed a Identity Theft report which states that account ending in XXXX are being illegally furnish on my consumer report. I demand that you remove these inaccuracies off my consumer report. If they are not removed I will not extend my credit to anyone or allow XXXX to furnish a report for me. I would like to state that pursuant to 15 usc 1681 ( a ) ( 2 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX allowing these inaccuracies to be furnish on my consumer report it has cause me to lose confidence in the banking system. If XXXX wants to continue doing business with me, they should delete these inaccurate account off my consumer 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 explanation
Consumer complaint received 2020-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019 I purchased a chicken coop online through an ad on XXXX. The charge was for {$77.00}. I received an email from the merchant to show the purchase went through. The merchant name was different than the website I used. The next day I got an email with a tracking number that didn't work. It took me to a web page that didn't work. On XX/XX/XXXX the charge on my card had a different vendor name. I called Bank of America to report a fraudulent charge. The woman told me the company she looked up sold makeup. I verified no make up was purchased. They gave me my money back but the this month XXXX they said they had proof the merchant sent me a product. The money was taken back out of my account. 

I got a small envelope from XXXX with a cookie cutter. That was not a chicken coop. Shipping would cost a certain amount from XXXX. I'm not sure what kind of proof was provided by the merchant but it was no doubt a well planned scam.

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 monetary relief