BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-07
Company: EQUIFAX, 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:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Due to the Equifax credit information breach, my son 's social security number was released and someone started fraudulently using his social security number. We learned about this last week when we went to open a utility in his name. XXXX worked with us to clear up his file. When we ordered his free credit reports only XXXX sent one to him. Equifax refused to send him one and we haven't heard from XXXX yet but neither report was available online. Each credit bureau instructed him to call for further assistance. Equifax asked for more documentation to be sent to them via mail or fax, which we felt was a very insecure method. We called to get help and to see how we could send information more securely, perhaps via an encrypted email & try to figure out how to resolve the issue. When we called Equifax, they refused to help him because I was helping him explain his situation. He gave them the authority to speak with me by giving me legal power and privity to speak on his behalf over the phone but they refused to speak with me. We informed them that he is a person with disabilities  and needs support to navigate the situation but they refused to help. In frustration, he tried to speak for himself and they still refused to help him. They demanded that we provide a power of attorney document from a lawyer to speak with me. That should not be required. They are clearly not aware of federal protections for persons with disabilities. In fact, anyone can do that if they need help navigating a service or call, it's our right! Their company policy can not trump federal law and I tried to explain this to them but they refused to help him. Now not only have they compromised his social security number, but they also refuse to send him a credit report so he can take the necessary steps to clear his file and they refuse to speak with him or me to help him resolve this problem. We are at a loss. We don't know how to help him fix this. They also refused to pass us to anyone above them to help us. We spoke with XXXX, a XXXX with Equifax 's office of consumer affairs. He actually wound up hanging up on my son. So utterly frustrating!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
This is to show that XXXX XXXX that holds my current VA loan is blaming the credit bureaus with not correctly reporting all of my payments that have been made on my loan since XX/XX/XXXX. I have also attached two bureau reports, current, showing only XX/XX/XXXX and XX/XX/XXXX as reported as payments being made. I have a paper trail showing via cashed checks otherwise. I also have submitted XXXX 's payment report file that does n't not reflect accurate information on all three credit bureaus. 
I have kept in touch with the credit bureaus, in which, I was told that XXXX will need to fix the errors regarding inaccurate reporting, as well not reporting all payments that have been made on my loan since XX/XX/XXXX. Regardless, if my account is in forbearance, payments, regular mortgage payments that have been made, should still be reporting to the proper bureaus. I was told by the bureaus through numerous phone calls that the issue is not with them. They only report what is being sent by XXXX. 
This is the sixth complaint and will continue until my payments are being correctly reported to all three credit bureaus. 
As per attachments. XXXX can clearly see the issues that I have continued bringing up to them. Yet, still not being resolved. 
I was also 'suppose ' to receive a call back from a XXXX consumer advocate this afternoon and a representative from XXXX . I never received that phone call. I did leave a voicemail with XXXX. I have a buyer on my home and can not proceed ahead with a new loan due to the underwriter with that bank needing the information corrected with the credit bureaus reflecting any and all payments that have been made on my VA loan. XXXX ... you are holding back me moving forward with the purchase of my home by the buyer. 

The deadline from the buyers gave me until the end of the this month. 
The clock is ticking. 

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 explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX Balance : {$3900.00}

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 2023-01-25
Company: EQUIFAX, INC.
State: MS
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: EOS Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Creditor -EOS CCA Recent Balance - {$1300.00} Date opened - XX/XX/2017 First Reported- XX/XX/2017 Original Creditor - XXXX XXXX The Debt was Charged Off, Sold to another creditor and now the new creditor is reporting the wrong balance on to my credit report. I would like for account to be removed concluding this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent debt verification requests via certified letter to Midland Credit= {$820.00} XXXX XXXX XXXX {$250.00} I have received a letter from XXXX XXXX stating that the collection would be removed from my report. It is still active after 60 days of promised removal. 

Midland Credit stated the same. It was to be removed from my credit and is still active after 65 days. 

The collection for XXXX XXXX still states in the collection process when it should read IN DISPUTE. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Please excuse my absence of exact amounts and dates at this moment, however I have a diary with full details of every conversation and date & every amount. 
My son recently passed away, and I provided all documents needed, however due to the nature of his passing I had to leave town and asked for this to be expedited as the funds were needed for this to happen. Approximately {$20000.00} When working with the estate claim department at direct express, confirmed the receipt of all documents required, as well as XXXX XXXX XXXX 's XXXX XXXX XXXX. Direct express, was dragging their feet & my life became more in danger sitting waiting. After being placed in a safe house briefly, and finding by phone call on a Friday at XXXX by a colleague of the estate claims rep. that I had never been in contact with before, to " give me the message '' they were transferring my money to social security. I stated I do not authorized this transfer as estate administrator for this account. However the person hung up. I've been in contact a few times with direct express overseeing bank or Comerica even speaking with the VP, however when I asked her to pull the calls to prove I didn't agree with this transfer of my funds, she no longer returned my calls. I put in many calls through the customer complaint line, having asked to be sent directly to her as she no longer is answering or returning my calls. This money had been sitting in this account untouched waiting for the me to use for the escape from XXXX. These people are responsible for paying me back and then some

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Fay Servicing, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I received a cancellation notice for my homeowners insurance. When I contacted them for an explanation I was told that Fay Servicing has not submitted payment. The loan is escrowed and this should not be happening. The loan is in my deceased mother 's name and the deed is in my name along with the homeowner insurance. I reached out on XX/XX/2019 to Fay Servicing to get an explanation as to why the insurance hasn't been paid they refused to talk to me because I am not authorized on the account. I have provided my mothers death certificate, proof that I was the executive of the estate, and a copy of the deed in my name but this is not enough. Fay Servicing is forcing me to give my birth certificate and has not provided me a valid or legal reason. 
Fay Servicing in forcing me to pay for an insurance policy that I didn't choose because they refuse to pay the insurance company I already have. 

If it is not paid by XX/XX/2019 my insurance will lapse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account Name : CAPITAL ONE Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$670.00} Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: NC
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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I signed up with Coinbase with a debit card. They verified my account instantly and pitched the Bitcoin I requested. 12 hours later my account was compromised. The warning sent by email that my password had been changed suggested that I lock my account and reset after validating my identity. However they will not verify my identity and have permanently locked me out of my account. The customer service is non existent and automated with a computerized faq but no actual help. They have basically stollen my money and refused to address the issue. I guess its legal to steal so long as you can avoid the person you have stollen from long enough

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: American Coradius International LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/13 at XXXX pm I received a call from someone at American Coradius International stating they were a part of the collections team with XXXX and that my account showed an outstanding balance of {$4500.00}. I checked my account and showed no outstanding balance and asked them to provide me with any other information that had on file which they couldn't. I looked this company up online and it appears ( based on reviews ) a ton of others have been called stating they had a balance to pay on their XXXX  account when in fact they did not and the company continued to try and collect so called debt. I hung up the call immediately and checked my mail to see they also sent mail to me to collect on this XXXX balance. Account numbers all incorrect. XXXX account in good standing. ( see attachment )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: National Credit Adjusters, LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The collection/charge off is a debt from XXXX XXXX  original collection/charge off amount XXXX ( nca ). The repeated collection charge off is for XXXX ( XXXX  ). Both are from ( XXXX )! Also I can provide proof of statement from XXXX XXXX that during the pandemic any and all customers of XXXX receiving internet services will not be shut off and will not close customers account throughout the entire pandemic process! Which clearly this collection charge occurred. I owed {$99.00} or less! XXXX is in error stating I have their equipment which I returned when closed account took place! What can I or should I do to address this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Experian Information Solutions Inc.
State: NC
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:
To Whom This May Concern : I wrote a letter to all 3 Bureaus on ( XX/XX/2021 ) asking them to investigate some accounts. They have failed to respond that the account was verified. I asked for a description of their procedures on ( XX/XX/2021 ) and they have either failed to respond at all, on time or with the information requested.

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 2021-11-05
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a dispute with us bank against XXXX  for 3 transactions. Us bank mailed the dispute forms to the wrong address. When I called to correct their error inwas given the run around. I also had an issue with a XXXX  transaction being processed through after I had already cancelled all the recurring transactions.

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 2023-04-06
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had approximately 10 store credit cards backed by comenity bank in the last 3 years. For each one, I requested SCRA benefits due to being a legal resident of a key provision state which extends 6 % interest cap despite accounts being opened after joining XXXX XXXX service. I have asked for denial in writing, was declined. I sent messages and made numerous phone calls. Comenity bank does not have federal sovereignty therefore they are violating federal law in the overcharge of interest to military members who are legal residents of key provision states. Request written explanation of why comenity bank doesnt have to follow federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
They have never spoken to me nor have verified with me that I owe debt and they have been contacting my employer at multi business locations trying to find me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I have some problems with my report and things on there that do not belong to me. I have never lived in New York in my life and their are numbers on my account that I am not familiar with at all. 
Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I am not sure if these belong to a relative or Ex boyfriend but these numbers dont belong to me please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 explanation