BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-10
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: Their investigation did not fix an error on your report

Complaint:
Equifax has continued to allow XXXX XXXX XXXX to manipulate data on my credit report which has resulted in my credit score being dramatically affected in a negative way. I have multiple times disputed this with Equifax. The amounts of what is being reported as owed would change a few cents on multiple occasions making this account look as if it is recent when in fact the account is 7 years and 6 months old and should not be on my credit report anymore. As well as the payment dates have been manipulated. Both other credit bureaus have removed this account as it is too old to show on my credit report. Equifax removed it recently in the past 2 weeks and then put it back on my report. Equifax has been very uncooperative and refuses to see that this should no longer be on my report. Every time I have disputed this with Equifax my credit score has plummeted. They have penalized me every time this account was disputed. And my credit score again just dropped 120 points. A 7.5 year old account in now way should be affecting credit this adversely even IF it was still on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a fraudulent account that is being reported and in collections with XXXX XXXX XXXX. This account has been in collection since XX/XX/2017 and I have never received the proper information to report this as fraud and identity theft. I have tried to take care of this matter directly with XXXX, in addition to disputing it with Equifax, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company called me I answered they told me I had debt that was pushed to them from my old apartments for a cleaning fee and two utility bills for the amount of $XXXX and some change. They said I needed to pay it now at first or it was going to go on my wife and mines credit as bad debt with a derogatory remark. So I asked if there was a payment plan I could do they said no but they could try a hard ship took some of my info and then said I didn’t qualify so I asked them if I could pay them when I got paid the First Lady said let me transfer you to someone who could help you. I was then transferred to guy who said since I was in the military that he was going to give me some Military friendly loan places but he needed my card information first. When I declined he then transferred me to their manager she then got really rude with me and started to threaten to call my commanding officer and they refused to accept any payment from me unless it was the full amount so after arguing with them for about 20 minutes I gave up and hung up on them. I didn’t catch the names but this is the number they called from (XXXX) XXXX if you call it, it will take you straight to the First Lady who called me. Her name is  XXXX. That’s the only name I remember. The company is “IQ Data International”

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2021, a payment in the amount {$13000.00} was to be paid towards the principal on loan # XXXX. The entire principal and interest at the time was {$13000.00}. I've just received a statement showing {$9000.00} for XX/XX/2021 statement and other charges not told to me by COLLECTIONS at the time I made the payment over the phone. THUS, My {$13000.00} was not applied to the principal loan amount.!!! 

In accordance with the loan agreement My MORTGAGE has been satisfied in full!

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 2019-11-10
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit Bureau made aware I was a victim of identity theft of which the listed items reported may be a result. I have no knowledge of these accounts as they are listed with account numbers and I have never done business with Hunter Warfield Inc. 

Desired Resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609

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 2020-05-21
Company: Experian Information Solutions Inc.
State: NC
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've sent several times to Experian fraud department a police report and FTC report with court records showing the loans through XXXX and XXXX and XXXX  XXXX XXXX are not mine. The police went to the dealerships and viewed the tapes from the purchase of those cars and saw it was XXXX XXXX XXXX using my information, A Judge in XXXX NC Named Judge XXXX issued several XXXX  for XXXX XXXX XXXX XXXX  for using my identity. Those three auto loans are not mine. Please 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 2020-11-21
Company: Resurgent Capital Services L.P.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My name is XXXX XXXX. I was just made aware of the collections of a credit card in my name due to it being on my credit report. I have contacted local law enforcement as well and still nothing done. In XX/XX/2016 a card was opened in my name through XXXX department store. I did not open the account and do not have any knowledge of this account. It is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized Inquiries.

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 2019-08-21
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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: NC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2400.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX BANK XXXX XXXX. ) XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX. ) XXXX Balance : {$710.00} Date Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been attempting to contact XXXX regarding my federal student loans and my participation in the Public Student Loan Forgiveness Program. I made a call to XXXX on XX/XX/2019 at XXXX XXXX  and was on hold for over 40 minutes, waiting to speak to a customer service agent. At no point in this 40 minutes was I able to speak with a live representative. The automessage suggests to " call back at a later time, '' but I have also experienced excessive wait times later in the day. 

Excessive wait time to speak with a XXXX agent is effectively preventing me from being able to manage my federal student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: VA
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 appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: PA
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:
hello, my name XXXX XXXX and I am a victim of identity thief. I report everything that need to be deleted below and in the attach documents. 

1. XXXX XXXX XXXX ( Collection Account ) Account Number : XXXXXXXX Collection opened : XX/XX/XXXX Amount : {$1700.00} 2. Amerifinancial Solution ( Collection Account ) Account Number : XXXXxx Collection opened : XX/XX/XXXX Amount : {$370.00} 3. XXXX XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Amount : {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: AMERICAN EXPRESS COMPANY
State: AZ
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 did not authorize anyone employed by XXXX XXXX to make any inquiry and view my credit report on the following dates XX/XX/XXXX and XX/XX/XXXX. This is a violation of the Fair Credit Reporting Act section 1681 B ( C ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: HOPE BANCORP, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a checking account at Hope Bank in XXXX, Va. I can't access it online. This problem has existed for a month. I try to log on. I get the message " loading please wait while we log you in. '' Nothing happens. The bank said they know about the problem and don't know how to fix it except that I have to turn off all security features in my webbrowser. If I did this, I could access the account but then I would have to reset everything. I have had this account for years. This is not right. 
Please help. 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 2021-08-07
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
on XX/XX/XXXX I got a text about my coinbase account, fely suspicios so I called coinbase and locked out my account.Since then I requested help to get back into my account from there support team.I have got responses that they would get in touch within 4-6 days yet nothing.They gave me a case number to refer to, I have wrote them approximately 20-25 times, yet have not received any help.Ive wrote them on coinbase, XXXX, XXXX, etc asking to please help as I have a large amount of money in the coinbase exchange.I contacted the sec which said I should also contact you guys.Not sure what I need to do in order to get a response and some help from coinbase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This company called portofolio recovery keeps calling my cell number with different numbers every day about 3 to 4 times a day I do not have A medical debt with them they keep asking for A XXXX XXXX XXXX and I have told them you got the wrong number and then they get rude with me and I end up hanging up I want it to stop please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
can not reach custoer service phone systems are horrble.. its like they set it up so that you will not want to call back. 40 minutes to get to somebody because they are so disorganized

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 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 is reporting that I owe {$440.00} on my credit reports. I HAVE NEVER RECEIVED ON BROUGHT ANY ITEMS FROM XXXX/XXXX  THIS OS NOT MY 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 2020-11-10
Company: Experian Information Solutions Inc.
State: MI
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 found a lot of errors on my credit report. I asked for those accounts to be investigated within 30 days. I did not receive any response until those 30 days, and also i have not received any of those account with my signature proving that these accounts belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: EQUIFAX, INC.
State: MI
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 found a lot of errors on my credit report. I asked for those accounts to be investigated within 30 days. I did not receive any response until those 30 days, and also i have not received any of those account with my signature proving that these accounts belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
The company has offered me promotions to pay off my card and get it back since I was on XXXX leave. No matter how much I pay they refuse to unrestrict card and will continue to start promotion over. I asked my complaint be forward to the corporate office bo response they keep blaming on the system. I want the notes reread and the calls pulled. They are lying just keep adding extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account does not belong to me and is being reported on my account. I want to have it removed.

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 2019-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XX/XX/2012 a 30 day late XXXX XXXX XXXX was reported to my Credit Report do to an error on the part of XXXX XXXX XXXX XXXX. The Electric Bill was initially paid thru The XXXX   XXXX XXXX XXXX then turned over to me. The mail was not delivered to my Apartment by the complex 's front office until a payment was missed. I have contacted XXXX XXXX XXXX in XXXX XXXX were I was told to contact XXXX XXXX XXXX were they informed me that they no longer report to the credit bureaus on Payment History. At the point at which I received my billing statements, I made all payments properly and on time. This issue was do to an error not of my own and is not a representation on my commitment to maintain my personal credit.

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 2019-11-09
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV funding is trying to collect of XXXX of which i don't owe. I've never done business with this company nor do i have any contracts with my signature on any of their company letterheads.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX has falsified information on my Real Estate Tax payments.I paid my taxes in person on the due date of XX/XX/2019.I sent them a copy of my receipt.They have not changed their records & they are saying I am in default.They have said the same thing about my homeowners insurance.I have paid it & sent them proof & a copy of policy.They also said I have not paid my condo maintainence.I paid it when it was due.I believe they are trying to create a default situation so they can forclose.I am being harassed.I have received many letters from them & have replied by either faxing or e-mailing info to them.I suspect this is a national problem with many more seniors like myself facing this problem with them.Please help me resolve this Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.

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