BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-15
Company: EQUIFAX, 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:
I submitted a letter to the XXXX Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: CCF Intermediate Holdings LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
This company called me asking to speak to someone I know. I advised that this was not the number for them and I'm unsure how they got my number. I asked for them to stop calling me. Their representative refused to take the number off, disconnected the call on me and has proceeded to continually use their automated to call me. 
The original number they called me from was XXXX, then he called me right back from XXXX. Then there was a text message from XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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 NUMEROUS 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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-10
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal won't let me withdrawal my money. 

On XX/XX/XXXX, I received an email from PayPal stating that my account had been permanently limited and that I could no longer use PayPal. I had no idea why this would happen ; So I called them. It turns out they don't know either. 

I have emailed and called multiple times. They don't respond to emails and on calls they can't even tell me why my account has been limited. I can not withdraw my funds. 

I need the money. Please help. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
State: TX
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:
I have been having an Issue with an inaccurately reported item on my credit report. XXXX XXXX where my father used my information his daughter to illegally purchase a recreational vehicle without my knowledge. This company has been served with legal documents to delete this item from my credit report and as of one year nothing has been done. The name of the company is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the Gramm Leach Bliley Act. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed.

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, XXXX, TransUnion, XXXX and XXXX XXXX are consumer reporting agencies, and I am the consumer, to whom these consumer reports relate to. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. XXXX, XXXX, TransUnion, XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

XXXX, XXXX, Transunion XXXX and XXXX XXXX, are also in violation of 15 USC 1681C ( a ) ( 5 ), which 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.

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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2023-12-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Didn't provide services promised

Complaint:
Portfolio recovery associates XXXX on my credit report. I contacted them to tell them i wanted to pay my credit card off which was {$510.00}. I asked them could it be deleted off my credit report as if it was never there and not just reflect paid in full and they said yes. They sent me a letter stating that if I paid the full balance off they would remove it from my credit report from all three bureau 's. They told me that I had to wait XXXX days from the last payment made, Which I made the last payments on XX/XX/XXXX. Today is XX/XX/XXXX and it is still on my credit report. I have the letter From the email that I will attach. I have called portfolio recovery associates And they stated that they put in the Request for the trade line to be deleted from all three bureau 's. I waited XXXX weeks to see if it would be removed and it is still there.. I contacted experian and they stated that they have not received a request to remove that trade line..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase , Inc. account assets were fraudulently transferred by Coinbase based on fraudulent Send request by XXXX. This occurred three days following account hack XX/XX/2023 and prompt call to Coinbase, XXXX XXXX who confirmed the hack. 
Coinbase Support instructed change of password and change of Two Factor Authentication from XXXX to XXXX. 
The Hacker was not properly identified indicating Know Your Customer and Customer Due Diligence deficiencies ( XXXX XXXX XXXX  ) and was allowed to make changes to my account settings, process asset conversions, and transfer assets from my account, then delete account setting changes. 
Coinbase Security System failures failed identifying Red Flag items that should have halted fraudulent transactions to occur : Account holder did not authorize asset conversion or transfer.

Hacker accessed my account from a new IP address / VPN with a new unidentified device.

Asset conversions and transfers were inconsistent with account owner activities, which had not occurred prior to the hack. 
Fraudulent transfers were Sent to addresses not identified by the Account holder 's established White address list. ( only two addresses were identified by the Account holder ).

The asset conversions and transfers occurred following n
otification to Coinbase , Inc. and verification by Coinbase , Inc. Support of an Account hack.

This incident resulted in Demand for Arbitration through XXXX XXXX XXXX. There were approximately three months of attempted negotiations by a Coinbase , Inc. third party law from outside Arbitration in violation of the Coinbase , Inc . User Agreement Arbitration clause. 
This delayed the Arbitration case from moving forward as stipulated. Things now appear to be moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have not received physical mail during this or last month 's billing period. Also, the minimum monthly balance for XXXX was paid, but I received a notification that I didn't pay. This information needs to be more accurate with the credit reporting agencies. Lastly, I disapprove of any of these agencies using my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: IN
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 please remove this fraud inquiry 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 explanation
Consumer complaint received 2022-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Today - XX/XX/2022, I spoke with an individual by the name of XXXX - that works in the " unclaimed property department '' for Bank of America. I asked her to place my funds placed back in my bank account. She placed me on hold and came back to the phone conversation and began reading the disclosure from the bank that stated, whenever the bank can not contact the bank customer- they send the funds to the state. 

The problem I have with this is that the letter I received yesterday XX/XX/2022, was the " first and only time '' I received anything from Bank of America, and the letter that I have attached states " Escheatment of abandoned account to state '' The assistance I am seeking is to have my funds placed back into my account. Bank of America has chosen to step bounds without properly contacting me ( as stated in their own disclosure ) to find out if I was still alive. Bank of America, I am still alive and don't take it upon yourself to make decisions for me when I am alive to make them for myself. Place the funds back into my bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: ECMC GROUP, INC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There are 9 student loan collections reporting to XXXX in error which is dropping my credit scores XXXX points and it is inhibiting me from getting a home loan. 

There are also 2 student loan collections reporting to XXXX in error. 

XXXX XXXX has deleted all of the student loan collections. 
XXXX hasnt deleted any of them. 
XXXX has deleted all but two of them. 

They should have all been removed from all three credit bureaus because of me completing the govt rehab program in XX/XX/2022. I was told they would be removed within 30 to 45 days however, it is now 60 days later and there as collections still reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Maximus Education, LLC dba Aidvantage
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: Account information incorrect

Complaint:
There are XXXX student loan collections reporting to XXXX in error which is dropping my credit scores XXXX points and it is inhibiting me from getting a home loan. 

There are also XXXX student loan collections reporting to XXXX in error. 

XXXX XXXX has deleted all of the student loan collections. 
XXXX hasnt deleted any of them. 
XXXX has deleted all but XXXX of them. 

They should have all been removed from all three credit bureaus because of me completing the govt rehab program in XX/XX/2022. I was told they would be removed within 30 to 45 days however, it is now 60 days later and there as collections still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: SD
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: DE
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 2022-12-15
Company: EQUIFAX, INC.
State: NC
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 have violated my constitutionally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C. 1681 SECTON 602A STATES THAT I HAVE A RIGHT TO PRIVACY. 

15 U.S.C. 1681 SECTION 604A SECTION 2. IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C. 1681C ( A ) ( 5 ) STATES THAT NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING AND OF THE FOLLOWING ITEMS OF ADVERSE INFORMATION, OTHER THAN RECORDS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C. 1681S2 ( 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: I.C. System, Inc.
State: WY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Was solicited by I.C. Systems, inc. AKA XXXX XXXX, an apherently legit collection agency about collection on {$6300.00} owed by a company known as XXXX XXXX XXXX, or XXXX that is addressed to a condemned restaurant building in my home town and shows my home address as well. I did not start, or own any said company at all and i am not responsible for this dept. The Wyoming Sec. of state shows no entity registered either. 
My credit shows zero lates, charge back etc. and is, has been, and always will be perfect. Credit freezing measures are now in place. This is a case of ID fraud and I request I.C. Systems, Inc. provide any and all documents to support legitimacy of dept alleged for collection, Articles of organization or incorporation of said fraudulent business and any and all E signatures, paper signatures, etc. with my name on them to validate their claim. 
I also want to know the identity of the people who started this fraudulent business under my name and identity to counter sue to the fullest extent of the law, including said collection agency if deemed necessary. ( SEE ATTACHED DOCUMENTS )

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