BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-22
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I tried to freeze my credit with Equifax and made it through their system on XXXX. Unfortunately, the PDF that displays your PIN to unfreeze the account never loaded properly, therefore I have no way to lift the credit freeze in the future for Equifax. I then tried calling Equifax on multiple occasions where most of the time I could not connect to them and the time that I did I waited on hold for approximately an hour. 

I understand that their systems are jammed with people calling and using their website but I still need my PIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
State: VA
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

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 2022-11-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$1000.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$700.00}, XXXX XXXX Balance : {$380.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$700.00}, XXXX XXXX XXXXXXXX Balance : {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX i took XXXX dollar loans with XXXX XXXXl XXXX  guess these sold it to SPS and they forclosed in XXXX and I sent them XXXX dollars in XXXX that should have paid them off. In XXXX they on the balance sheet I owe them XXXX so in XXXX when XXXX XXXX took over I had a mortage audit done and it was from XXXX till XXXX the balance was XXXX not counting XXXX to XXXX that's a XXXX difference with the balance probably XXXX for the first 6 years on the balance XXXX plus XXXX is XXXX and I sent them XXXX the should should owe me now XXXX XXXX has forclosed and evicted me from I paid off in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
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: Public record information inaccurate

Complaint:
Canceled an XXXX XXXX XXXX cellular account years ago and XXXX XXXX XXXX never closed the account then when they did they tried to charge me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: CURO Intermediate Holdings
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter from speedy cash debt collection dept threatening to sue me over old debt and also said that if I didn't respond wuthin seven days my bank accounts would be seized thru major credit bureaus and that I was under investigation. They are asking for way more money than the orginal supposed debt. I received this email on XX/XX/XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Block, Inc.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
All paid delivery payments were updated a month later and/or charged twice. 

XX/XX/23 ( Delivery XX/XX/23 ) {$12.00} XXXX ( XX/XX/23 ) Went from {$11.00} to {$20.00} XX/XX/23 ( XX/XX/23 ) On XXXX charged {$67.00} to {$72.00} I contacted XXXX and Cash App and no resolution was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
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: Account information incorrect

Complaint:
I was reviewing my credit and noticed the following inconsistencies which violate my rights as a consumer. The following charge off account listed with XXXX XXXX  XXXX CARD with the account number XXXX has the following inconsistencies and violations. I have attached with this complaint a copy showing all 3 credit bureaus side by side for your review. *The HIGH CREDIT is inconsistent across 2 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The LAST REPORTED is inconsistent across all credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The late DATE LAST ACTIVE is inconsistent across all credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies* *The DATE OF LAST PAYMENT is also inconsistently reported across all credit bureaus. This is also a violation* As you know, the aforementioned inaccuracies are a violation to my right as a consumer and also a clear indication that this information was NOT properly verified upon you receiving it. I have faith in this credit bureau to be an outstanding company and protect my rights under the FCRA. Please delete the account from my report immediately and send me an updated copy of my report with the reflected changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
There are 2 Portfolio Recovery Associates for the amount of {$420.00} and {$2300.00}. I have sent Portfolio Recovery Associates a debt validation several times with no response. Both items does not belong to me. Portfolio Recovery Associates had reported both items to my credit report and removed it then placed both items back on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Paypal Holdings, Inc
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a {$1000.00} USD online purchase via PayPal with my XXXX  XXXX XXXX credit card. The entire transaction from the vendor website to the checkout screen and confirmation screen by PayPal and the vendor appeared to me as US Dollars. XXXX XXXXXXXX XXXX then charged me a {$32.00} foreign transaction fee. There are two companies at fault : 1 ) PayPal for failing to be transparent in showing that this is not a USD Charge 2 ) XXXX XXXXXXXX XXXX for charging me a foreign transaction fee when I am paying PayPal in US Dollars.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-31
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:
I AM FILING THIS COMPLAINT AGAINST EQUIFAX WITH REGARDS TO THEIR ERRORS IN REPORTING CAUSING DAMAGES TO MY CREDIT SCORES, EMOTINONAL DISTRESS, MONETARY EXPENSES AND VILOLATING THE FAIR CREDIT REPOTING ACT. THE XXXX XXXX CHARGED OFF ACCOUNT # XXXX THEY ARE REPORTING ON MY CREDIT FILE IS NOT MINE AND IT DOES NOT BELONG TO ME. THE CREDIT BUREAU HAS EITHER REFUSED TO RESPOND, SENT A " FRIVOLOUS '' LETTER, AND CONTINUES TO STATE THEY HAVE VERIFIED AS ACCURATE. THERE IS NO WAY EQUIFAX COULD HAVE VERIFIED THIS INFORMATION BECAUSE IT IS NOT MINE AND THEY DON'T EVEN HAVE THE FULL ACCOUNT NUMBER AND THE NAME LISTED ON MY CREDIT REPORT IS INCORRECT. THIS ACCOUNT DOES NOT BELONG TO ME. IN ADDITION, INCORRECT NAMES, INCORRECT ADDRESSES, INCORRECT EMPLOYMENT INFORATMION AND UNAUTHORIZED INQUIRIES THAT I DID NOT AUTHORIZE WHICH I DO NOT HAVE KNOWLEDGE ARE BEING REPORTED ON MY CREDIT REPORT. THE FALSE/INACCURATE INFORMATION PLACED ON MY CREDIT FILE HAS SERIOUSLY AFFECTED MY CREDIT PROFILE CAUSING ME EMBARASSMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Maximus Education, LLC dba Aidvantage
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: Account status incorrect

Complaint:
I have XXXX student loan accounts that said I was 90 days late on payment in XXXX of 2020. I was never late on payment because I was deferring all of my students loans at the time and it went straight to 90 days late. Ive tried to dispute these accounts and they have been updated to show good standing but that 90 day mark has never went away and its a negative mark on my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-08-31
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Servicing had placed on my statement date, XX/XX/2019 the 'new ' loan servicer added an unnecessary, unexplained XXXX appraisal cost of {$99.00}. They refuse to remove it and have no legal right to add the additional, unqualified {$99.00} appraisal cost to my loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Dear Sir or Madam : I am notifying the FTC that my identity has been stolen and used for fraudulent purposes. 
My personal information is as follows : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Someone has used my identity to engage in the following type ( s ) of fraudulent transactions : * Credit cards * Loans * Phone or Utility * Internet or email * Other : Someone used my info in an attempt to obtain credit and loans The following is a description of the identity theft incident : As a result of the XXXX XXXX Data breach my information was leaked and someone used it to apply for credit and loans in my name XXXX as a result this stuff is one my credit reports. 
I have also experienced the following problems as a result of the identity theft : * Denied credit or other financial services. 
In addition, I have lost 60 hours between XXXX and XXXX hours of my time due to the identity theft. I don't know if the identity thief used the internet to open accounts or purchase goods or services. 
I have the following information regarding the identity thief : I have no clue. 
I have contacted the following credit bureau ( s ) : XXXX, XXXX   and TransUnion :. 
* regarding the identity theft and to report the fraud. 
* to put a fraud alert on my report. 
* to order a credit report. 
I have had the following problems with XXXX and TransUnion : They refused to remove the inquiries without a police report and those applications for loans or credit have stopped me from being able to obtain credit or loans. 
I have not contacted the police department and filed a police report. Therefore, no police report is attached. 
I have had the following problems with companies that I contacted regarding my identity theft : They have been uncooperative. 
Please contact me at the above address if you have any questions or need additional information. I may be contacted by email at XXXX. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
It was XXXX of XXXX when I got a loan for a vehicle from Ally Financial. Paper work was done incorrectly from the start, it was a loan for my mother and I was supposed to be somewhat of an authorized user on the account. When we brought it to their attention they said it was ok and there was no need to change. As time went on my mothers job became slow and we were denied a refinance in XXXX or lower payments ( even though we were overcharged the XXXX blue book value and no one wanted it as a trade in at all the local dealerships. ) We did everything we could to keep up payments and it came a time we were begging for help with less than a year owed and they refused to take the monthly payments but instead wanted the full amount owed. Unfortunately we didnt have that kind of money and cleaned out the car to be picked up for repo. Once they resold the car I began receiving bills for {$9500.00} ( more than what was owed or the car value ) and eventually it was placed on my credit report for collections. I feel no one really wanted to help us in time of need but instead seen an opportunity to get paid twice and take advantage of the situation. Its not fair to pay for something I dont have and that has already been paid for especially when payments were denied when we were trying to keep the vehicle

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 2023-01-04
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:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MYNAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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 non-monetary relief
Consumer complaint received 2019-10-23
Company: ERC
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:
On XXXX I received a credit monitor alert from my monitoring service for Enhanced Recovery Collection original creditor is XXXX XXXX, With Date started as XXXX, I attempted to called them to stay on hold numerous of times nobody knows anything, I got someone to give me more information after requesting a manager or supervisor. I File a fraud claim with them they gave me number to XXXX i call unsuccessful but i have since file to online disputes of Fraud, They gave me the service address which i have never been affiliated with, nor even know anyone that is, 8 states over. Its a hassle to get XXXX on the phone 3 days i keep getting put on hold 1.5 hrs one day 46min next day, I just need this info off my Credit ASAP, I never received any Phone calls or Emails or Letters about this account, It just mysterious appears on my Credit Report one day. XXXX to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: Coinbase, Inc.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I opened a Coinbase account to learn a little about crypto currency. 2 hours later I saw a {$10000.00} charge from this company on my bank account. They have no customer service, won't talk to you, give you complete run around, and ask for silly documentation ( like selfies ). They have 100 's of XXXX complaints against them. I feel as if this company is a complete scam run by a bunch of thieves. They should be shutdown and all employee 's should be prosecuted to the full extent of the law.

Company response to consumer: Closed with explanation