BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX I logged into Experian to view and temporarily unfreeze my report for a new CC application which was frozen XXXX due to theft of laptop and jump drive which contained my SSN, TDL, etc ... When I got into their site, I looked under my Alerts to see why my credit score was only reported as " Good '' since I pay 1-2 weeks before due date on all my bills typically. Also, stellar reports for all the years. I called 3x and went through the options for my account but could never reach a live agent. Instead when the recordings were done, it hung up on me! 
1. On XXXX for no reason at ALL ( except maybe to sell their products ), they reduced my score by 15 points!!! 
a. The last time I had a late payment was XX/XX/XXXX due to XXXX Fraud. However, I did not get points for making that payment.

2. Points are deducted if a credit card company decides to decrease my initially approved credit line. How is that fair especially if I am not using that card but did not close it because of points lost when I close an account. 
3. I can not access or find my freeze, it says my account is unlocked and they want me to pay to lock it, nowhere does it say that I have a freeze under any of their tabs : https : //usa.experian.com/member/financialProfile.

4. I also do not get extra points for making extra payments! These guys are selling now instead of tracking & who told them they could have my SSN anyway?

5. I also do not get extra points for paying off my Credit Card Statement balance monthly!

6. Finally, it is none of their business how much $ $ I make so how could they possibly know my DTI! On that basis, their site made an assumption ( based upon CC application data for income? ) and docking me just because I am protecting my privacy from both the
Credit Card Company and the Credit Reporting Agencies! 
Perhaps you should force them to limit their rating basis to the timeliness of payments made like Positive points : XXXX week advance, 2week advance, extra payments, paid off monthly Credit balances from the previous month & on the Negative points : partial payments, 1 month behind ( COVID-19 exceptions ), 2 months behind, 3 months behind, Deed in Lieu of Foreclosure, Foreclosure, Chapter XXXX, and Chapter XXXX. They could also do a weighted average of the above for 1 year, 2 year, 3 year, 4 year, 5 year, 7 year, 10 year, 15 year, 20 year, 25 year, 30 year. These people really need to take Statistics so they  can create valid data without privacy violations!

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 2021-04-30
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: EQUIFAX, INC.
State: KY
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/XXXX i faxed over a copy of my FTC report to XXXX XXXX XXXX  his letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. 
Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately. 
XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX -Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX -Inquiry from XX/XX/XXXX XXXX XXXX-inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX NOTE : Please also remove all non-account holding inquiries over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been a victim or online Identity theft since XXXX. I have been working with XXXX   and Equifax to remove credit reports that are not mine. XXXX  successfully removed a student loan and XXXX XXXX XXXX debt that isnt mine on XX/XX/XXXX. Those credit report has now shown back on my credit report. Equifax has not been cooperating. They are so hard to communicate with, even tried calling many times, the wait was long. And the people were not reasonable or helpful. It has cause so much issues and spent so much money on credit repair company 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I obtained an original payday loan for {$750.00}. Every 2 weeks the company has been withdrawing {$260.00} out of my account. When I check my account online with the company the balance owed keeps going up instead of down. For example I have made 6 payments of {$260.00}. and I now owe {$1000.00}. Somebody please help me supposedly this is a company that is in a sovereign nation on an XXXX reservation in Florida. I don't know what to do and I keep losing money that I can't afford to lose ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: ALLY FINANCIAL INC.
State: NJ
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:
On XX/XX/2019 I closed the account with Ally Financial. It was suppose to be a settlement because I did know it affected your credit but I called them and Paid The Full Balanace. No settlement was done. XXXX  still has my account with Ally Financial as Close in Settlement and remarks " account paid in full for less the origina Balance ''. I tried disputing multiple time with Ally Financial and XXXX  but nothing has change. I have a Letter from Ally that proves The accoun was paid in full without going to settlement, I tried sending that letter on my dispute to Experian but that did not help. Just today i received the results from my last dispute ( 4th total ) and nothing changed. Account still says dellinquent, settlement.

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 2020-05-21
Company: EQUIFAX, INC.
State: LA
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:
consumer request to have no harsh data announcing except if it is, as required by laws, demonstrated completely obvious, right, total and ensured consistent in revealing of that unfavorable as well as any part of it. I request quick erasure of any not tribute genuinely checked and guaranteed thusly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Experian Information Solutions Inc.
State: CA
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 WILL SUE ... 

I have file a dispute and TWO Complaints against experian. I'm sick of the XXXX excuses i'm getting from them.. I should not have to keep redoing this all because they cant get off theirs XXXX and do their job. THIS WILL BE THE FINAL TIME I DO THIS. I WILL TAKE YOU TO SMALL CLAIMS COURT SO YOU CAN NOT HIRE A LAWYER. I have enclose both complaints and the dispute letter. 
In both responses i received from experian was the exact same wording so i know they are not looking at my complaints. 

AGAIN I WILL SUE IF THIS IS NOT TAKING CARE OF ASAP ... ..

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 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 account is inaccurate XXXX XXXX XXXX # XXXX. The Last date of Activity, Payment, Account Type - Detail, Account Status, High Credit and Payment History are all inaccurate and an FCRA violation. Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: IL
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:
I recently received a copy of my credit report and there are hard inquiries that I do not recognize. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28
Company: EQUIFAX, INC.
State: WA
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: Other problem getting your report or credit score

Complaint:
I get my FICO credit score as a monthly benefit of my XXXX/XXXX  VISA credit card account. In XXXX of 2019, it suddenly dropped from XXXX to XXXX. I have been trying since that time to find out why. I've also gotten my free annual credit report from XXXX   which shows no adverse information whatsoever. The only financial transaction that I've made since XXXX that would impact my credit score was to pay off the small balance remaining on an installment contract a few months early. 

My calls to XXXX have been especially fruitless. Every customer service agent that I talk to gives me a different story, but each essentially says that there is nothing they can tell me or do to get answers from XXXX. I've asked to speak to supervisors, but none will do that. Several have told me to contact Equifax, which I have done. Equifax tells me there is nothing in my credit report that would justify any drop in my credit score, let alone such a large one. They also claim that they only pass my credit information on to XXXX, not provide a score. Neither will give me any way to contest or get my score reviewed. I'm caught in a Catch-22. 

My credit score hasn't been below the low 800s for years. I own my home with no mortgage, have a low 6 figure annual income and high 5 figure amount in my savings and checking accounts. I've never had a bankruptcy, unpaid bill or even a late payment in my life. My only debt is 2 credit cards that I've had for years. I keep the month end balance of each card below {$1000.00} by making interim payments before each of their month end dates, then pay off the entire statement balance each month. 

I hope the CFPB can help me get answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2018-07-01
Company: World Acceptance Corporation
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:
Fraudulent loans was opened using my identifying information and I contacted the companies and credit reporting agencies with disputes also I and sent FTC and police reports to companies and credit reporting agencies as requested and I'm still having the same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: EQUIFAX, INC.
State: FL
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:
almost all of these inquiries are unauthorized. some are duplicates, some have been ran at random. dating all the way back from XX/XX/XXXX-XX/XX/XXXX i have attempted to send letters to the companies as well as call the different credit agencies ; XXXX, Equifax, and XXXX. I haven't gotten any results from either agency. these companies took me for granted and ran my social thru multiple banks. this has truly damaged my credit and it's not fair, because i have worked very hard to get my credit score at an exceptional level only to have it damaged. my attachments show all the dates and companies, along with the reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold my house and paid off my mortgage of XX/XX/2021. On XX/XX/XXXX Lakeview Loan Servicing LLC sent a letter to my new address advising that the balance of my escrow account would be sent to me in 10 to 15 business days. On or about XX/XX/XXXX I received a letter forwarded from my old address stating they had issued my check for the balance on XX/XX/XXXX. I called and was informed the check was sent to my old address, even though they had my new address, as reflected in the letter of XX/XX/XXXX. I immediately called and they promised they would stop payment on that check and issue a new one to the correct address in 3 to 5 days. I called again 2 weeks later and was told the new check hadn't been issued yet but they would request it again and it would be sent in 5 days. On or about XX/XX/XXXX I called again and was informed the check was issued on XX/XX/XXXX. I called again today to tell them I haven't received the check. I was then told that the check would take 10 to 15 business days to get to me and there was nothing else they could do. It is my understanding they had 15 business days from XX/XX/XXXX to issue my escrow refund. They did not do this and don't care. Is there a penalty for missing that deadline? Even if they issued the check timely to the wrong address, it would have been forwarded to my by now. I believe they are intentionally dragging this out.

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 2021-04-30
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
I am a Coinbase user and when they came out with the Coinbase Wallet app, users were encouraged to move their crypto into it. Im am relatively new to the crypto world, just a year in and while Im not a major investor like some, I use my crypto accounts for rainy day money. I also thought that since its a Coinbase product as well, Id be able to move my funds easily between the two and withdraw as needed. However like every other user, once the money is in the wallet, we can not get it out! I moved half of my assets at the time ( having learned since not to move anymore ) and of today I have {$200.00} in there with no way to withdraw it. They claim that miner fees are high and many times the miner fee is more than double the amount trying to convert or withdraw. I cant even transfer the funds back to the home product of Coinbase! Its the same company how is this allowed?? I have researched this to see if other users are experiencing the same issue and we all are. No one is getting answers from the company. Its like they had us transfer funds to their wallet and they get to keep it now. What kind of scam is this? Like many, Im struggling since the pandemic and every XXXX is allotted for bills and such. Watching this money go up and down with the markets with no way to access it is killing me. Please, something has to be done here. Not just for me, for all of the users! They took our money and wont give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$7800.00}, {$10000.00}, {$8900.00}, {$22000.00}, {$6000.00}, {$9400.00}, {$18000.00}, {$7200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX XXXX & XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

10. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 

11. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account.

Company response to consumer: Closed with explanation