BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-25
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: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX I contacted a collection company XXXX XXXX. They realized an error and submitted for this collection account to be removed. Every month I call and it is not removed from Equifax, All of the other agencies removed it. When I contact Equifax they provide a scripted statement of will be removed in 30 days. It is now mid XXXX and I called again today and was given the same answer again. I call the Collection agency again today whom in turn provided me with the control number for deletion that was sent in XXXX to Equifax - XXXX # XXXX and told me they could do nothing else to help. 

Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$530.00} Amount {$0.00} Status Date XX/XX/XXXX Status PAID Balance Date XX/XX/XXXX Account Designator Code JOINT_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX WA XXXX ( XXXX ) XXXX When I called equifax again and provided the control number they told me that they would put the control number as a consumer statement and do another dispute and I will need to wait another 30 days. I have been attempting to get a home loan and each time they ask me about my collection account.. I have been denied a loan over and over because of this. 


Please help me. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio recovery debt collectors have called me regarding this debt multiple times. 

They seem to be trying to trick or bait me into saying that I owe this debt, which I do not feel that I do. 

They have repeated information that is wrong. Incorrect dates of birth, addresses, etc. 

I have asked them to send documentation that I owe this debt to my address, which they have not done. 

I have told them that I wish to only communicate with them via certified letter, which they have not sent me. 

They called me on a work phone number XXXX repeatedly until I told them to cease contacting me by that number. I told them to send me information via mail, and gave them my correct, current address. 


Instead they just found another phone number I use and contacted me by that phone number instead against my wishes. 

If this was a legitimate debt and this was a legitimate debt collector using appropriate collection tactics they would contact me by mail as I have requested, and provide documentation showing that I owe this debt. They have done neither. 

I consider this harassment at this point. 

The most recent phone number and time they called me by was XXXX at XXXX on XX/XX/2020. 

They have called me many other times from various different phone numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10
Company: EQUIFAX, 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:
On XX/XX/XXXX, I sent a letter to Equifax asking for validation of debts on my credit report. They received my request XX/XX/XXXX and I gave them enough time to do an investigation, but they never responded back.

I sent a second letter on XX/XX/XXXX asking for details, such as how they are verifying the debt, who is in charge of my account and what documents they may have used to verify any of the debts listed on my credit report. I also asked if they could not validate the debt, then they are required under law to promptly delete the information. They received this request on XX/XX/XXXX, but did not respond within or after the 30 days of the return receipt.

I sent a third letter on XX/XX/XXXX asking for the removal of all the derogatory items on my credit report as they did not follow validation of debt procedure and failed to respond twice. I did not ask for validation, but rather the deletion of all derogatory information that was disputed.They received my letter on XX/XX/XXXX and I still have not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020 XXXX Law ( Law offices of Mitchell D. Bluhm and Associates ) reported a collection account on my credit report from XXXX XXXX XXXX XXXX for {$960.00}. I was never made aware of this debt from the original creditor or the collection agency unitl on or about XX/XX/2020 when I began applying for a mortgage company and was made aware that is was negatively impacting my credit score from the mortgage agent and causing issues with my approval. On XX/XX/2020 I immediately contacted my insurance company XXXX of Illinois to find out what the issue was, I was informed that this should have been paid by the insurance, but due to a billing error betweein the hospital, medical group and insurance company it was not. Since any emergency issues are covered at 100 % under my insurance policy I was not aware of the outstanding balance. XXXX  of Illinois made arrangements to send payment to XXXX XXXX to pay the amount in full that day and said it would be processed in 7 days. I then contacted XXXX XXXX and left a message concerning the account. I recieved a voice message back on XX/XX/2020 confirming that it was a billing error and that they were contacting XXXX ( MBA Law ) to remove the account from collcetions and that I should expect a letter from the collection agency confirming the account was removed. I waited 2 weeks then contacted MBA Law to find out the status of the removal. They said I still owed the account. I asked if they had been contacted by XXXX XXXX and they stated that they had not. I understand things take time, however I asked MBA Law what I could provide them to expedite this since it is holding me up from obtaining a mortgage and she said she would " note my account '' and that I needed to show them proof it was paid. I asked if we could contact the creditor to confirm payment and was placed on hold she again said she said I would need to provide proof to them. I said I needed this removed completely from my credit report and not just show it as paid, and again she stated she would notate my account and that was pretty much it. I do not understand how a collection agency does not have to offer any information or a solution as to how to get the issue resolved with them when it is clearly an error on their clients part and causing a hardship. They are refusing to take any action to contact the creditor and resolve this issue or provide me with what is needed to have this removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A fair resolution to this issue would be for the credit reporting agency to take immediate action to delete the fraudulent items on my credit report and provide monetary relief for any damages suffered as a result of these inaccuracies, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ) and Section 1681c-2 ( a ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of credit reports and failure to do so can result in liability for damages, attorney 's fees and costs, and statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. /s/ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: EQUIFAX, 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:
I sent a letter on XXXX XXXX, 2022, to remove these 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 not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX XXXX XXXX : {$10000.00} ; XXXX XXXX Balance : {$7500.00} According

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
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:
XXXX XXXX acct XXXX I have written to the credit bureaus to investigate a late payment that XXXX XXXX is reporting on my credit reports. Now, to my understanding the credit bureaus and XXXX have an obligation to conduct a complete investigation into this issue and fix any errors. 
XXXX XXXX is reporting a LATE payment of 30 days on my credit report when I was NEVER late on this mortgage. 3 months after closing on my home, XXXX apparently sold this account. I had automatic payments set up from my checking account and have never missed a payment. Looking at my credit report, there is a 30 day late reporting that should never be reporting. Under section 1681i of the fair credit reporting act, I requested this issue fixed and still nothing. I am writing to CFPB to help resolve this issue before I retain council and take this to court. I am suffering financial and reputation harm from this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Total Card, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter from XXXX, XXXX in regards to a balanced owed for XXXX. In reference to that letter they wanted to verify the validity of debt. In that letter there was note that they would mail a judgement outside 30 days of response to if debt is owed. However, I got another letter from another company name A TCI, requiring for me to pay the same amount for debt owed under a different account number. I am concerned because I disputed this debt. I do believe that there is a balanced owed but not two companies. That is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In 2014, my now ex husband and I purchased a home in Arkansas with the knowledge of foundation work being done prior to us moving in and with the knowledge of there being a warranty. I found out that the warranty expired in XXXX of this year. The home is now sinking. We have multiple cracks, some wider than others. One end of the house has dropped almost 3 inches. The other end inside the garage has started to split in multiple places and also inside our laundry room located on that end as well. We have contacted multiple companies and received estimates on how much it would cost to repair and the amounts are in the thousands which we do not have. I have contacted my mortgage company to file for a lien release so we can give the home back and just move out but was told that they could not do that due to the company not wanting to take the loss. The damage to the home is slowly getting worse and the mortgage company doesnt care. My complaint is the mortgage company is refusing to work with us on this issue and as stated above its getting worse and my husband and I do not make enough to cover it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I am a former XXXX licensed broker and I was successful for many many years. 

It's been over XXXX years since I was robbed of EVERYTHING and I'm still homeless. 

I was in the XXXX XXXX breach of XXXX and I am still in a homeless shelter and completely disenfranchised from this id theft attack I have id theft insurance, it will not pay me ANYTHING let alone my enormous losses. 

I was in the rental relief program for 3 months. 
Chase Bank, XXXX XXXX, XXXX XXXX, XXXX XXXX, my former clients, all have robbed me and my family in several ways once my Identity theft attack started. 

Virtually every govt agency I have contacted since this attack on my son and I does not care to compensate me for my losses either. 

I have contacted everyone I was told to and all dead ends. 

I have nothing left and barely anyway now to prove any of my losses. 

I am very tired after XXXX years being ripped from my son and in a shelter with criminals and crazy people for XXXX years. 

I don't have it in me to explain everything but I will tell you that I will keep writing your office when I have the energy because I want my stuff back and I don't believe anyone needs more of my time to prove anything. Here 's the list of my demands to be made whole and I do not feel obligated to prove why or how I had such wealth. You can figure it out. 

I want my XXXX ID theft insurance with assurant and chase bank to pay me XXXX XXXX dollars. 

I want my credit back to XXXX and no debt. 

I want my fiat abarth back I want my XXXX a month apartment back. 

I want my drafting company back and all my computers I want my son back most importantly and you will not waste my time explaining why he has been out of my life when we were evicted illegally at XXXX point from our home. 

I'm not answering anything I'm demanding and I don't care if you deny it I will just keep demanding it as long as I'm suffering and my son is suffering, I will remind your office of how broken your protection is of not only my son but also of the American public. I have a background helping and protecting many people in finance and health. 

Figure it out, get me whole again and don't dare ask me to work on it. I got a child to raise and explain this all too and how our country is clearly going to XXXX. You try over and over again reliving a horror like this. I will only give you what theives had of mine to take my son 's life from him. 
My social security name number email and mailing address and the names of the services I had. 

I worked like a dog for my son to have a good life and enjoy his parents bc I never had that. And what's listed here is what I can stomach to list right now. you'll never know the full extent of my losses or my son 's plight. Just get it done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/21 my Coinbase account was hacked. I received an email that my password was changed, which I did not initiate. So I called the " customer service '' number, which was a recording asking if I'd like to lock my account. I did. I can not recieve emails from Coinbase, as it appears the hackers changed my email address associated with the account as well. So I opened another account with a new email address, filed a support claim and received a case #. I have emailed, send DMs on XXXX and XXXX, and heard nothing back, other than an email with instructions to protect my account, which I have no access too. My fear is that my identity information has been compromised, and that my funds are being stolen. There is no way to speak to anyone associated with this company. It is as if my money has just disappeared, and I am beyond XXXX out and emotionally distraught. I am being harassed by scammers as well, who are falsely claiming to work for Coinbase. This situation is a disaster and I am not being helped by anyone. I am desperate for help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting 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.

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