BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-24
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have made 116 payments that are eligiblefor theTemporary Expanded Public ServiceLoan Forgivenessprogram ( TEPSLF ). There are 52 paymentsthat are pending manual review. On XX/XX/2021, I reached out to my myfedloan and I was told that a review was going to be done but no timeframeswas given. On XX/XX/2021, I spoke to theStudent Aid Ombudsman at Department of Education. I receiveda letterfrom myfedloanindicating thati requested a review XX/XX/2021 to give 60 days to myfedloan to do a review or find a solution. Today, I followedup and I received a genericletter attached indicating that there is no timeframe for my fedloan to conduct a manual review which is unacceptable since i am only 4 payments away and due tobureaucracy my loan forgiveness can be delayed. Please assistme. I attached evidenceof my communicationwith the agency as proof of my diligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: AR
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:
Equifax withheld information about a security breach which lead to 143 million SSN 's and other personal information to be stolen. 

I was not informed of this and my information has been mishandled, which could leave to a lifetime of difficulty with battles regarding identity theft. I demand action be taken against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: SC
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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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: Personal information incorrect

Complaint:
Hello, I am writing to dispute the inaccurate and unverified information on my credit report, which has been reported by your agency. Specifically, I have been informed that my address has been reported inaccurately as XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, MA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX despite my current address being XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX 

As a consumer, I have the right to accurate and complete information on my credit report. The inaccurate reporting of my address is a violation of Section 607 of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to report only accurate information. Your agency has failed to follow reasonable procedures to assure maximum possible accuracy of the information concerning me, violating this section of the law. 

Furthermore, Section 609 of the FCRA requires that consumer reporting agencies maintain strict procedures to ensure that only authorized parties can access my credit report. Your agency may have violated this section by disclosing my credit report to unauthorized parties, as I have never authorized any access to my credit report for any reason. 

In addition, Section 312 of the Fair and Accurate Credit Transactions Act ( FACTA ) requires consumer reporting agencies to use reasonable procedures to ensure the accuracy of credit report information. The fact that your agency has reported my address information inaccurately may be a violation of this section as well. 

Finally, Section 216 of FACTA requires creditors and debt collectors to properly dispose of sensitive consumer information. If the creditors who provided your agency with my inaccurate information did not properly dispose of my sensitive information, they may have violated this section. 

This inaccurate and unverified information on my credit report has had a significant negative impact on my life. It has caused me to be denied credit, which has prevented me from purchasing a home, a car, and other necessary items. It has also resulted in me paying higher interest rates on loans and credit cards. 

Therefore, I am requesting that your agency investigate the inaccurate and unverified information on my credit report and take the necessary steps to remove it immediately. I also request that you take steps to prevent this from happening in the future. 

Thank you for your attention to this matter. 

Sincerely, 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 2017-09-10
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
TheXX/XX/2017 at XXXX I bought Bitcoins for XXXX ( fees included ) in Coinbase. 
The XX/XX/2017 I was logging into my account and I saw that it was disabled with no reason ( the Bitcoins are in the Coinbase wallet and, if I ca n't log in I ca n't get the money back ). 
They ask me to provide my ID and a proof of residence and I did it immediately by e-mail but a bot replied to it. I have put 3 complaints since then and they do n't solve my problem, they do n't answer me to the e-mail or to the XXXX messages. 

PS : I attach you the things they ask me to provide, just in case you need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: PA
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:
*THIS IS NOT A DUPLICATE RESPONSE* XXXX Bank believes that their company policies and procedures supersedes federal laws. After making XXXX Bank aware of the numerous federal laws that they are breaking under the FCRA, Gramm Leach Bliley Act, TILA and commiting Aggravated Identity Theft, they confirmed that they will continue to break federal laws to cause me hardship to defame my character as a consumer operating in commerce. They are disregarding my right to privacy for the best interest for them to extort me on extension of credit. Im making the XXXX XXXX XXXX XXXX ( FDIC ) and the Federal Trade Commission ( FTC ) aware of their unfair deceptive practices also! *see attachments*

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: NV
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:
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
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 writing this letter with an overwhelming sense of fury, disbelief, and frustration regarding the ongoing presence of fraudulent accounts on my credit report, which have been a constant source of distress and injustice. It has come to my attention that despite my repeated efforts to rectify this grave error, these accounts persist on my credit report, tarnishing my financial reputation and causing severe damage to my financial well-being. 
Account Details : XXXX XXXX XXXX However, despite my diligent efforts and the clear evidence I have provided, your bureau has failed to investigate and rectify this matter appropriately. This XXXX  disregard for my rights as a consumer and the damage caused to my financial standing is utterly unacceptable. I demand immediate action to correct this egregious error. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fair and accurate credit report. It is your duty, as a credit reporting agency, to ensure the information you provide is both accurate and up-to-date. The presence of fraudulent accounts on my credit report constitutes a severe violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX Santander withdrew {$10000.00} from my XXXX XXXX XXXX. I had requested the transfer from XXXX XXXX on Santander 's website. I have accounts with both banks. The money left my account with XXXX XXXX but never made it to my account at Santander. 

On XX/XX/XXXX I called Santander customer service, and again on XX/XX/XXXX. On each call, I was given conflicting information about where my {$10000.00} was and how I would get it back. 

On XXXX I called Santander Customer Service again and was told they had no history of withdrawing the money, or that I had requested the transfer. 

On XXXX I went to the local Santander Branch in XXXX. The local rep spent an hour calling different departments within Santander and finally, it was resolved that I would receive my money on XXXX. 

On XXXX I never received my money. 

On XXXX I went back to the local branch at XXXX XXXX XXXX in XXXXXXXX XXXX They told me there was nothing they could do and to go to XXXX XXXX. XXXX XXXX has been helpful all along and has told me they can't request the money be recalled as Santander pulled the money. 

I had the local police come to the local branch to help encourage the branch manager to escalate the issue. She was unable to do anything to resolve the situation. ( XXXX XXXX was on speakerphone during the entire time. ) I then called the fraud department with Santander and had XXXX XXXX on the call. After XXXX minutes the fraud department said they would file an internal complaint. They will not issue me a provisional credit, even though I brought this to their attention on XX/XX/XXXX and this is over the 10 days they are required to refund me the money per Reg E.

The representative from Santander ( fraud specialist # XXXX ) ultimately said she was putting me on hold, but actually hung up on 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 2019-12-02
Company: Sterling Infosystems Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2019 I called Sterling XXXX ( XXXX ) to request my consumer report. Customer service rep kept saying I needed an order ID or company name. Nowhere on their web site does it say I need this information : XXXX XXXX XXXX I was unable to request a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent letter out XX/XX/XXXX to XXXX, XXXX, and Equifax. Here is my complaint id XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: Seterus, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company keep adding fees and other expenses to my escrow account, I try to figure out the reason of this fees & expenses with many calls with the mortgage company, but no reasonable reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 writing to express my discontent with your recent claims concerning my accounts. I hereby dispute these assertions due to a lack of substantial factual evidence supporting your allegations. Therefore, I strongly urge you to initiate a comprehensive investigation into these matters promptly. 

These claims have cast a significant shadow over my financial standing and hold the potential to cause considerable harm to my creditworthiness. It is imperative that we swiftly and accurately resolve this situation to prevent further detrimental consequences. 

I request that you promptly challenge this account and provide me with well-documented evidence to support your position. Failing to do so will compel me to pursue legal action to protect my rights and rectify this matter. 

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 2023-08-11
Company: Experian Information Solutions 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-10-29
Company: Carter-Young, Inc.
State: VA
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent XXXX letters through certified mail with return receipts. The first letter was a debt validation letter which they did respond to but did not have enough evidence to support their claims of {$690.00}. I sent two more letters requesting the following : 1. Pictures of damaged carpet, 2. Invoice from carpet company ( if professionals were used ), and if done in-house, provide to me any and all documents of repair and or replacement, 3. Before and after pictures of the cleanliness and condition of the carpet, 4. Any and all information that the pictures provided to me in your response dated XX/XX/XXXX, were from my unit. 

XXXX. Me giving you permission to furnish information to my consumer credit report.

Never got a response after sending those last two letters on XX/XX/XXXX, and XX/XX/XXXX. 

within the last two letters, I asked if they can't provide me with the documents delete my information from their system, and delete and remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: M&T BANK CORPORATION
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
M & T Bank just migrated the accounts of Peoples Unite Bank over the weekend. Since the transfer I have been unable to access my funds online to pay bills or transfer money between accounts. In addition, M & T is not answering their phones and the staff at my local branch is unable to figure out what is wrong. I need access to my funds.

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 2017-09-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Equifax got hacked and my information was part of the information that got hacked. Fantastic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I had a car loan from XXXX XXXX from XXXX of XXXX I paid the loan off in XX/XX/XXXX. 2 years ago I informed Equifax via complaint that it was over XXXX XXXX XXXX and needed to be dropped from my credit report just like it was dropped on XXXX after 10 years Equifax stated to me that it's correct and put a date that is still good of XX/XX/XXXX which is incorrect because it was already paid for 10 years with a XXXX balance it's now 12 years and it's still on my Equifax report I tried to file another complaint but they would not allow me to I called them they were useless and did nothing to help can you please help me correct this thank you.

Company response to consumer: Closed with explanation