BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: KY
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:
Upon review of my Equifax credit report, I noticed a collection account from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WV XXXX. The amount was for {$150.00} from original creditor XXXX XXXX  XXXX. As I did not recognize the account nor original creditor, I filed dispute with Equifax. 

Equifax 's dispute resolution was to add comment " Consumer Disputes This Account Information ''. 

I then wrote the XXXX XXXX XXXX directly stating I have received no information regarding the alleged debt nor did I recognize the alleged original creditor. Requested them to provide written documentation of the debt. It has been 35 days since contacting them and I have received no information yet this remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account information incorrect

Complaint:
Portfolio Recovery sent my collection to XXXX XXXX XXXX. From there they contacted me and I came to a settlement of my account there for XXXX less than the original amount. After settling the collection was removed off of my credit report. Just three days ago it popped back on my credit report saying I owed that XXXX difference. Today it also reported that im late on that XXXX also. I called them for the last three days between the two companies and no one was cooperating and did not assist me with the reasoning behind this. I asked the Law Firm and they say they dont report to the credit bureaus and i have to contact Portfolio Recovery. When I call Porfolio Recovery they only say that XXXX XXXX XXXX was the only ones who can talk to me about it. Many times Portfolio Recovery hungup on me. I got it recorded two times of one representative hanging up on me and one supervisor hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 XXXX XXXX Account XXXX 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.

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 2022-01-12
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I had purchased crypto coins from coinbase. as days went, the amount of crypto coins were in my wallet started to disappear. I called coinbase, there was no response for a few days. I was finally able to get a hold of them eventually, when they picked up the phone, they said that there was a glitch in the system that lowered the coins in the wallet. They took the blame for it and but they never returned the coins.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent this company a certified settlment offer letter with return receipt and someone from their office sign for the letter. I havent receive any contact from this company in over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My ex-husband and I own ( with a mortgage ) a co-op apartment in XXXX. As part of the divorce, he got to live there, and was supposed to maintain the payments. As it's a co-op, it has ( essentially ) HOA or maintenance fees. My ex-husband got very behind in the HOA fees, so much so that legal counsel for the co-op contacted the company holding/servicing our mortgage. The servicing company paid the HOA in full, and added the amount to our mortgage payment. All of which, while embarrassing, is fine. 
About then, I stepped in. I'll skip over the part where the servicing company refused to let me pay the arrears back in a lump sum, and that the many times I've called with questions the friendly folks on the phone were not equipped ( educated, trained, etc. ) to answer. 
For reasons not made clear to me, and without mine or my ex-husband 's permission, the servicing company now considers the legal counsel for the co-op to be the primary client. All of my mortgage statements, my tax documents, etc., are sent to a lawyer who is not in my employ, not representing my interests and ( if my conversation with the representative from the lawyer 's office is correct ), never asked for it. 
Please make them stop sharing my personal information with strangers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
These are not my accounts reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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


Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account 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 XXXX5 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 2023-03-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX L XXXX Balance : {$52000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$52000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$880.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My payment count for the public service loan forgiveness plan is off by 7 months worth of payments. FedLoans is unable to give me a list of payments that they have verified so that I can compare the two to determine where the difference is. I submitted a request for a recount and list of verified payments in XX/XX/XXXX and again in XX/XX/XXXX. I called again today and was told they are still processing my request and cant give me a timeframe for when this will be complete ( despite the first request being made 15 months ago ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: Block, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
To whom it may concern While in duty over seas I had XXXX almost XXXX $ in fraud from my cash app balance, square after motnhs and months and 3 XXXX filed complaints refunded XXXX, I'm still vehemently fighting this too no avail out of principle, I'm fighting for my country risking my life and get XXXX XXXX XXXX stole from me and only less than half gets fixed 10 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: U.S. BANCORP
State: CO
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:
I paid a mobile mechanic {$290.00} on XX/XX/XXXX to purchase parts for my car to repair it with my us bank debit card. The mobile mechanic never returned with parts to fix my car, never returned at allXXXX I filed a dispute with bank. I was given a provisional credit of {$290.00} on XX/XX/XXXX. On XX/XX/XXXX I faxed a form to bank with additional information. On XX/XX/XXXX they reversed the credit saying I did receive services from mechanic, which is untrue. When I called they said they tried to reach me and left voice-mail. On XX/XX/XXXX I spoke to us bank customer service, she said they never called they didn't have number. I have a mortgage with this bank, direct deposit. I feel like I'm being lied to. I tried calling again on XX/XX/XXXX, they said a fraud investigator would reach out within 48 hours. No response again. I called today XX/XX/XXXX and again was told a fraud investigator would reach out with 24 hours. I paid the mechanic with my own money I let them know right away what happened. It was still pending. This is not right.

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 2021-11-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I reviewed my credit reports and there is an collections account that does not belong to me i have made several calls and sent numerous letters to resolve this matter no response. The collections account is not mine and it should be removed 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 non-monetary relief
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022 Its been well over 30 days, I still havent received anything back. 
According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 
This a violation of my rights because my collections are increasing.

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 2021-03-05
Company: EQUIFAX, INC.
State: MD
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 am distressed that they have included the negative information in my credit profile and they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

EQUIFAX Collection Account XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$93.00} XXXX Charge-Off Account XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : {$4500.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : {$4500.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : {$4500.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : {$1000.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have a a Wells Fargo account and they was allowing consumers to take money out my account knowing it wasnt enough money in my account so that they can charge over draft fees after XXXX hrs when they say 3 days to add money to the account but they only allow the auto pay to go through if a I have change in my account if there was a XXXX balance they dont take out anything!

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 2023-08-05
Company: CarMax, Inc.
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:
CarMax is reporting this account incorrectly. This account has been paid in full and should reflect so. Please update this account to paid in full as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: MONEY SOURCE, INC., THE
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage loan is serviced by The Money Source. This mortgage was bought from XXXX XXXX XXXX. We do not have any late payments nor any delinquencies. Here are our complaints : 1 ) The escrow payments from XXXX XXXX XXXX has not been transferred to The Money Source. They have not worked on getting the escrow balance from the previous mortgage company to ensure that our property tax that is due by XX/XX/XXXX is paid. 

2 ) Our closing documents show a monthly payment of {$4200.00}. And this amount is the same amount that is reflected on the monthly statements issued by The Money Source. HOWEVER, they are crediting our bank account {$5600.00} starting today. I called them today and I was told that they are not aware and have not worked on getting the escrow balance from XXXX XXXX XXXX. This is the reason why they are increasing our monthly payment without notice. Apparently, they just made the escrow analysis on XX/XX/XXXX, and that shows they should credit our bank {$5600.00} today, XX/XX/XXXX. 

As I am currently talking to them now, I am being told that they will put a hold on monthly payment until they resolve this issue. I am still filing a complaint because they should be notifying us of any change in monthly payment or any result of escrow analysis. Secondly, I am very concerned if our property taxes will be paid timely by the end of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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  XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX 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 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