BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: DE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On or around XX/XX/XXXX Experian received a mailed dispute by certified mail regarding disputes that I attempted to file. In tradition with the previous ones I sent, which they acknowledge to have received on XX/XX/XXXX - XXXX sent verification of ID with a picture of my ID and Social Security Card. Today, XX/XX/XXXX I received an email that they are ignoring this request because they believe it was not sent or authorized by me. Despite that my ID and SS Card were attached, which is rediculous. 

When I called into customer service as directed by the email - nobody could understand why I received the email as no documents had been scanned under my file since my last XX/XX/XXXX dispute which is active and still pending. Receiving the email dated today can only signify that they received my request on XXXX and despite my documents are refusing to investigate because they believe it is not me. I am attaching their email along with my original request sent by certified mail and delivered. 

I see this as a stall tactic. Even if Experian believed it was not me, or " anyone authorized by me '', why would they not investigate claims mailed from my on-file home address and that have my Driver License and Social Security Card attached? Who " unauthorized '' or " not me '' would have access to color copies of my license and social security card unless it was " myself '' or " someone authorized ''?

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 2019-05-02
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
So i signed up with XXXX because they told me they would give me a {$50.00} gift card. They never did. I called and asked about it and they said i had to fill out a form online. I did that. They still didnt give me the gift. I called again and they acted like nobody ever spoke to me or like i never called. They asked me to fill the form again. This was now a couple weeks after i opened my XXXX phone account. Never received the gift. I called again, again they acted as if it was the first time i called but stated the promo was over. Well i stayed with them for a few years but didnt like the service so i switched to XXXX. In order to do so i called XXXX to cancel my account and the agent said i would have to pay the rest of the month bill. I said fine. Then following month i received another bill. I called XXXX and they insisted i pay. So i tried to raise a complaint and the rep said she can take half the payment which was {$35.00} and it would settle the account. So i paid the {$35.00}. Which was half, and was told the account was settled. I recieved anothet bill for the other half. When i called they said to pay, i explained my previous agreement and the rep said ok, just disregard the bill. She said it was an auto generated bill and not to worry. Then i was contacted by XXXX or debt collector. Im not sure. They offered to settle for {$39.00}. More than the original amount, or i will have to pay {$43.00}. Well i told my story again. They said it wasnt valid and i said they would send me a letter to dispute i would have to send a letter as well and they would mark the account as refused. Well i then received a bill from convergent outsourcing inc . Asking me to pay XXXX. So i called and they refused to tell me anything unless i gave my social or date of birth. They would tell me where to send dispute or give me any info at all. I confirmed my account number with them but they said they cant tell me anything without me confirming my private info. Well its only XXXX but its a broken system. Companies doing whatever they want and not being held accou table. It was deceptive, unfair, and abusive.

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 2023-06-30
Company: EQUIFAX, INC.
State: AZ
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 will highly appreciate if you could help me solve this issue. I am sending this CFPB Complaint to inform you that the 3 credit bureaus had violated the FCRA Section 605b by inaccurately reporting inaccurate information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. These are the following accounts that needs to be corrected : XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6900.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$6900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX XX/XX/XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: ProCollect, Inc.
State: KS
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:
Procollect is using abusive, coercive and oppressive acts to block the right of having a fair and accurate credit file. Procollect has never provided Gramm Leach Bliley Act disclosures in accordance with 15 USC 6802 ( b ) ( 1 ) ( B ) and 15 USC 6803. Therefore, Procollect has obtained, trafficked and used my nonpublic personal information used defame, intimidate and to coerce payment on a debt that I do not owe, nor has Procollect ever provided adequate validation of the alleged debt. Procollect does not have authorization or authority to traffic my nonpublic personal information, especially for its own financial gain. Please see attached correspondence and FTC 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 explanation
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I exchanged virtual currency for USD using Coinbase 's service. I requested a withdrawal of {$230.00} on XXXX XXXX, 2017. They debited my exchange account and told me the wire would arrive in my bank within ten business days. It has now been a month and I still have not received my funds. I have opened multiple support tickets with Coinbase but they have been completely ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: AR
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 sending my complaint to notify you about the wrongdoing of the 3 credit bureaus. They are violating the FCRA Law by reporting the inaccurate information. The fact is, it was really affects my financial standing. The Bureaus are required to remove the items, but they failed to remove. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise remove these items immediately : XXXXXXXX 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 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 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 non-monetary relief
Consumer complaint received 2021-07-17
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: Reporting company used your report improperly

Complaint:
I noticed accounts displaying on my consumer report that are a violation to my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: GA
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 disputed this item from XXXX XXXX XXXX XXXX account number XXXX. The dispute was completed in XX/XX/2023 and the item was deleted from my credit report at that time. In XX/XX/2023 it was reinserted back onto my credit file without warning from the credit bureaus. Which according to Fcra 611 subsection b Is not legal. If all the requirements are not met this can not happen. One main requirement being the notice to consumer no later than 5 business days after reinsertion. Because this was not done correctly they have to remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: TX
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2019-12-30
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This amount was for bail and the person went back to jail so the bond should not have been called. There was not skipping of bail. The person the bond was written on did appear in court as per the agreement. Beyond that, it was not clear to me that I ever signed any of their paperwork as I live in another state and was not involved in the transaction. They claim to have my signature but I do not know how they would have gotten that. I tried to work with them but it is my feeling that bail bondsmen feel as they answer to no higher authority and could do whatever they please. The original amount of this debt was around $ XXXX and now they are adding interest at a completely undisclosed and unknown rate and date of inception and means of calculation. The whole thing is unnerving. No one ever has the same answer and no one knows what anyone else is doing there.

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 2023-06-30
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 implore you to promptly update my account as I have consistently made timely payments, and the current situation is causing me a significant amount of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: IN
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 writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I have no knowledge of obtaining any of the inquiries listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient. I have been trying to get my co signer off my loan. Its been over 10 years since I graduated from school. I should n't need a co signer at age XXXX. They keep giving me different reason not to release my co signer. First time it was i did n't make enough, which was false. I sent in pay check stubs to prove it. Then i sent it in again and this time they came back that me credit report from XXXX says that I have ( serious delinquency, public record, collections on file, time since derogatory public record, collection to short ). Only thing I had was a credit card with XXXX XXXX with some late payments years ago and is one of the reasons. Navient give me XXXX number to call them if I did n't think this was correct and to tell them. Well I called them and they did n't see any of this. My credit is great. I have put in another complaint with Navient and they are supposed to call me. They did n't call me on the first complaint I put in on this. hope they do and the second. I feel they are holding me back with false info to keep my co signer on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and filed a police report back in XX/XX/XXXX. I have been going back and forth disputing XXXX XXXX and XXXX accounts and the bureaus will not remove the accounts off my credit report which is affecting my score and me being able to move forward. XXXX XXXX is saying I owe them {$20000.00}. This account does not belong to me and I need it removed from my credit report. They removed the accounts from XXXX back in XX/XX/XXXX and reinstated the accounts on XX/XX/XXXX and now will not remove it. The same situation with the XXXX account. They are stating I owe {$22000.00}. Experian deleted the item off my report back on XX/XX/XXXX and reinserted them a couple of months later. Please remove these items from my report immediately.

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 2018-12-25
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: Problem with personal statement of dispute

Complaint:
I have made the same disputes with all three credit bureaus for months. Just recently XXXX rectified the situation by removing all the incorrect information from my report. After that was completed, I reached out to equifax and XXXX to see what was necessary to remove the same items. I was told to dispute it. I explained I disputed multiple times and it was returned as correct info. They said since XXXX removes the items its likely if I resubmit the dispute the same ones will be removed for their reports as well. So I disputed it again, to my surprise it returned as correct information. So I called again and was told the companies provided evidence it was correct. I asked how could it be correct for this report and not for another? I also asked if I could get this supposed evidence and was told to reach out to the companies. I dont think its fair that I have to keep disputing for months and the two reports still show incorrect/ fraudulent information. I want the items I have disputed numerous times to be removed. I even offered to provide proof XXXX removed the items and was told it wasnt needed. At this point I dont know what to do, but it rectify ASAP so I can repair my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-13
Company: ERC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX did not provide adequate verification for debt question. no documents were provided showing a contract or signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 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  15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Experian Information Solutions Inc.
State: PA
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 disputed with the credit reporting company. They did nothing to resolve the situation. They sent me the SAME information that I already saw on the report that I disputed. I waited for that??? 
Why should we bother with credit reporting agencies anymore? They encourage debt and when you have a dispute about incorrect information, THEY COULD CARE LESS. 

I'M DONE.

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