BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: TX
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 called Equifax because I have 42 hard inquires that werent made by my knowledge and I had no knowledge of.

I asked if they were able to remove them and they denied to.

I stated that under the fair credit reporting act ( Frca ) requires all unverified and unauthorized items must be removed from my credit report.

They still denied.

I have listed the following hard inquiries to see if this can get resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-06
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have a XXXX XXXX loan from XXXX XXXX XXXX XXXX ( Account XXXX XXXX ), which was serviced by XXXX ( XXXX XXXX account is- XXXX XXXX XXXX XXXX XXXX XXXX In my Federal Student Account the XXXX loan is showing a balance of {$270.00} which is currently being reported incorrectly. The balance of the loan is actually {$0.00} and was paid off in XXXX. The loan is also being reported incorrectly to credit agencies, as a balance of {$270.00} when it should be reported with {$0.00} balance and paid. Please see the payoff letter from the XXXX XXXX XXXX below. 

I have contacted the servicer ( XXXX  ) multiple times and asked them report this XXXX as paid in full and owing {$0.00}. This XXXX loan has been paid off since XXXX and XXXX has incorrectly been reporting a balance owed from XXXX-to present day XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX  PayPal gave  XXXX  {$100.00} out of my account. I protested as I had no idea who  XXXX   XXXX  was. By my own investigation I found this was  XXXX   XXXX .  XXXX   XXXX  emails me at lease once a day with pictures with women to date. When I try to open up the site I get advertisement from them to send money. In no way did I think that I was paying for their advertising. With farther investigation I found that PayPal on XX/XX/XXXX  sent  them {$39.00}. This slipped by me as I thought it was books that I had ordered as there was no way that I thought  XXXX  was   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: EQUIFAX, INC.
State: WA
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:
The following companies pull my credit report and assess if my financial profile without my authorization. I did not apply for credit so there is no valid reason for them to open and check my credit standing..Have this inquiry removed from my credit report asap XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX, XXXX .. CFPB step up please and remove these inquiries which were done without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I unknowingly, and mistakenly got charged {$780.00} from the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX.I found out when a woman from XXXX XXXX XXXX called & told me.I told her I was in that XXXX & gave XXXX  to a XXXX  I regrettably gave up for XXXX.The bill was for the babies care, I was already discharged, so the adoptive parents were responsible for the bill, and if they couldnt get in contact with them, the baby had XXXX when she was born because I qualified for it due to XXXX.I gave her 2 different parties responsible for that bill, and I wasnt 1 of them. I  thought it was over, I provided her with enough information to take me out of the process.She ended up calling harassing me every single day, then I started getting calls from a man.He threatened me & said The XXXX XXXX County Sheriffs were on their way to my house to arrest me for some kind of legal judgment signed by a judge, Something to that effect, if not exact words. When that didnt pan out, a week later I got another call from him, yelling, and swearing at me.Here I am,5yrs later, still dealing with them.The same exact {$780.00} bill was put on my credit report, with the same exact account number blatantly listed right on it 7 different times.Ive been fighting this for 2yrs. since the day I noticed it, and was just defeated by them again! I disputed it on XXXX  and their fix was to take 3 duplicates off & make 1 a lower amount of {$400.00}, and left 3 there.I just read the paragraph below this.You can publish this, but I dont know if anybody can learn anything from this, except to keep monitoring your credit report because God only knows how long these 7 charges that arent even mine were there.I just started learning about how to start fixing it. People are very nasty, and they will try and get away with whatever you allow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-01-07
Company: Experian Information Solutions Inc.
State: FL
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: Billing dispute for services

Complaint:
Checked my credit report. I dont owe XXXX XXXX XXXX . Never been to XXXX, Fl. This is identify theft. Someone use my personal information to get health care

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 2020-10-26
Company: Financial Assistance Inc
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Financial Assistance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Claims that I owe {$3500.00} since XX/XX/XXXX. Now, they say I owe {$5100.00}. This exaggerated accrual of interest is highly illegal. Also, I sent a confirmation letter on XX/XX/XXXX and they have yet to reply. In accordance to, Fair Credit Reporting Act ( FCRA ), bureaus generally have 30 days to investigate the dispute and remove any items proven to be inaccurate. However, despite my efforts, this illegal account remains on my credit reports. I have the letter and USPS certified mail stub as evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Pennsylvania sends it's PUA benefits to US Bank Reliacard. There is no option for a paper check or direct deposit. 
On XX/XX/20 I logged into my US Bank Reliacard account and put in a transfer to my checking account which I have done numerous times. This transfer would normally arrive in my checking account the next day. After a week the money was still not in my checking account. I called them on XX/XX/20 to find out why the money was still not in my account. They told me it could take up to 5 days to complete the transfer. 
On XX/XX/20 the amount of the transfer was credited back to my Reliacard. I attempted to call them numerous times and was disconnected by their automated system due to " heavy call volume ''. 
I finally reached a representative on XX/XX/20 who told me my account had been flagged for fraudulent activity. I asked him what that activity was and was told he didn't know. I was told to FAX a copy of my driver 's license and account number to them and my account would be reinstated. I did this on XX/XX/20. I was told my account would be reinstated within 48 hours. 
As of XX/XX/20 my account is still inactive and I am unable to access the money in the account. I have tried to call them and am getting disconnected due to " heavy call volume ''. 
This company is appropriating funds from people and giving them no access to the money and no way to contact them. In short they are stealing.

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 2023-03-03
Company: EQUIFAX, INC.
State: HI
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:
Under the FCRA, the burden of proof lies on XXXX, XXXX, Equifax you are the one allowing fraudulent information to report on my credit report. Im entitled by the Fair Credit Reporting Act ( FCRA ) to request the credit bureaus to substantiate it, and if found to be an error, remove it. The Federal Trade Commission ( FTC ) allows consumers to access the FCRA to learn more about their rights when it comes to their credit report. Payments reported late when they were not late. 


Thank you for following the ethical standards set by the FCRA and removing these late payments. I call XXXX, XXXX, Equifax and someone was cursing and swearing at me. Laughing in the background.Here the Steps 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( XXXX XXXX, Equifax each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.XXXX, XXXX, Equifax are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. 3 .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email XXXX, Equifax, XXXX  CEOs as last resort before I Sue them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my follow-up request to my prior complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX  XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$700.00} XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Balance Owed : $ {$1400.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Credit Consulting Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt numerous times with no removal from XXXX. This account was from my ex wife child and not mine. I was told through XXXX that Credit Consulting Service said it was mine. The check written to the original debtor even shows someones name, not mine. Account # XXXX. This account was also granted to my ex through the divorce court. I have sent all documents to XXXX and the creditor and have had no luck. 
Company : CCS Date : XX/XX/2013 Please help. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: EQUIFAX, INC.
State: NY
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 have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
hello my name XXXX XXXX and i been disputing midland funding account number XXXX balance XXXX I dont have a contract with this money and i dont owe this company any money i request midland to delete this account from my credit report. 

please delete this account off my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 complaint to Transunion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. I sent my request way past 30 Days before but I still didn't receive anything from Transunion. Per FCRA, without any response for 30 Days after disputing my accounts should be considered as deleted or removed. 
XXXX  XXXX XXXX XXXX Balance {$830.00} XXXX XXXX XXXXXXXX XXXX Balance {$300.00} XXXX XXXX XXXX XXXX Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges.

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 2017-12-19
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
sold 15 lightcoin on XX/XX/XXXX for a total XXXX. Funds are missing and not deposited as promised on XX/XX/XXXX I have email coinbase numinous times for an update I have not heard anything on my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My money has been held for over 90 days including loan payments, personal payments, rental car refund, etc and they are closing my account and froze it because someone deemed unauthorized fraud when it was not and I had the conversation between the people. They refuse to give me my money and they are obligated to. They took {$330.00} + {$250.00} away from me based on lies and I offered to give them pictures but they refused. I want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio recovery continues to report this debt to all the credit reporting agencys this debt was settled in XX/XX/2017 please see attached documents from the courthouse. When theyre notified they say that they have left the credit reporting agencies no. This needs to be investigated immediately as it is negatively affecting my credit for two years unlawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Direct Recovery Services, LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
received voicemail from Direct Recovery Services LLC. The number called from was XXXX. " Hello this is XXXX XXXX calling. My office has spent enough time and resources trying to reach you already. It's definitely in your best interest to return this call immediately to resolve your matter voluntarily. Our number is XXXX. '' Call received at XXXX on Tuesday XX/XX/2020. I don't owe any debt. This is their first attempt to contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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: Their investigation did not fix an error on your report

Complaint:
When I log into myequifax.com my credit file doesnt show up. It is completely blank. I have spent hours in the phone with equifax to no solution to the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: BB&T CORPORATION
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I closed on my home in 2015. I was recently told about the MCC option to file on my taxes for the life of the loan. My lender never offered this option to me, and I would have gotten an additional tax refund of over {$1300.00} this year alone if it would have been added. I reached out to my lender, and she stated I am unable to add it after the fact, but I do not feel this is fair as I was never given the opportunity initially. I am a single mom and this type of money would have helped me so much and I am so disappointed. Mortgage through USDA, payment comes from BB & T, loan officer XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation