BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-18
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:
To Whom It May Concern, This letter is a follow up to my original letter dated XX/XX/XXXX and XX/XX/XXXX sent to Equifax regarding an inaccuracy in your credit reporting. I just received a letter from Equifax describing what inquiries are with no proof of my authorization of these inquiries, Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1.  XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX 3. XXXX XXXX XXXX/XXXX XXXX- XX/XX/XXXX 4. XXXX- XX/XX/XXXX 5.  XXXX XXXX- XX/XX/XXXX 6. XXXX XXXX- XX/XX/XXXX 7. XXXX- XX/XX/XXXX 8. XXXX XXXX XXXX XXXX- XX/XX/XXXX 9. XXXX XXXX XXXX XXXX- XX/XX/XXXX,XX/XX/XXXX 10. XXXX- XX/XX/XXXX 11. XXXX XXXX- XX/XX/XXXX 12. XXXX/XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 13. XXXX XXXX/XXXX- XX/XX/XXXX 14. XXXX XXXX/XXXX- XX/XX/XXXX 15. XXXX XXXX XXXX XXXX- XX/XX/XXXX 16. XXXX XXXX- XX/XX/XXXX 17. XXXX XXXX- XX/XX/XXXX 18. XXXX XXXX- XX/XX/XXXX 19. XXXX XXXX- XX/XX/XXXX 20. XXXX XXXX XXXX XXXX- XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I noticed that every time I tried to access my credit score I could n't get them every time I logged in the report would come back that I do n't exist so I demand that u investigate XXXX XXXX and XXXX XXXX XXXX I never used those names thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have an account from XXXX Account number ending in XXXX in which they had issued me a XXXX ( see attached file ) and cancelled the debt. I am requesting to have the account removed from my Credit History and all Credit Reports or identified a XXXX resolved and closed account so as not to adversely affect my Credit Score. 
I can be reach via e-mail at XXXXXXXXXXXX or called at XXXX Best regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This account was included in a bankruptcy and should now be closed. I have disputed it but I just get a message saying there 's an error and it continues to show as open on my credit report. I have called the collection company and they do not return phone calls. I am just requesting that they at least change the status from open to closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: EQUIFAX, 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:
Im filing this complaint to have three credit cards taking off my credit report, my identity has been used and my information has ended up on the dark web, I want these accounts deleted from my file before I file a ftc identity theft report, I found that these cards are on 3 credit bureaus I did not open these cards because they are fraud I want them removed from all three credit reports, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these companies used my information to open these accounts in my name please removed these accounts immediately, Im filing through the consumer financial protection bureau because XXXX and XXXX has rude customer service and Im tired of of being hung up on, please get this done for me and please no excuse

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax verified this public record as accurate but I called my court house and my court house said, Equifax never called them or sent them any letter verifying this information. 
Now I am requesting the method of verification used to actually verify this item and according the case of XXXX XXXX XXXX v Equifax, XXXX XXXX and XXXX XXXX remember you have to do a real dispute and actually verify it. Hiring a 3rd party service does n't work for this purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Records were stated again from XX/XX/XXXX,XX/XX/XXXX to lower my rating from Trans Union. I am retired, and dept free at this moment. there rating service return old files that I requested be cleared 8 or nine years ago. I 'm purchasing a car, and will be forced to pay a higher rate due to their false report. If an update is issued, I can reapply for a lower rate. Thank you, XXXX XXXX. 
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Experian Information Solutions Inc.
State: AL
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:
So I pulled my Credit and  Saw  many things that I was completely unaware of. I tried submitting one massive complaint but now I will submit a complaint about each error on my report. I have medical bills on my report in which I did not obtain. Had n't been to a hospital and have no idea how my information was used. I have no knowledge of this debt. Please help because no one can give me any answers as to how it got on my report. When contacted I told Customer Reps that I 've never been to  XXXX   XXXX  and they insist that I pay a debt that is n't mine.

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 2022-01-30
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: Account status incorrect

Complaint:
Pursuant to 15 USC 1681 ( a ) ( 4 ) This is an alledged debt. This action was unfair in reporting this erroneous information without first consulting with me the consumer. There is no proof that this transaction even took place. The decision were made impartial because the XXXX XXXX allowed information to be reported while only hearing one side of the story. Also this process infringed upon my right to privacy by having a conversation about me with a third party and reporting this information as results of that third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Pursuant to 15 USC 1681 ( a ) ( XXXX ) This is an alledged debt. This action was unfair in reporting this erroneous information without first consulting with me the consumer. There is no proof that this transaction even took place. The decision were made impartial because the XXXX XXXX allowed information to be reported while only hearing one side of the story. Also this process infringed upon my right to privacy by having a conversation about me with a third party and reporting this information as results of that third party.

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 2015-09-20
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
For past 3 years, have been jerked around first from XXXX to Seterus. We fell behind mortgage payments, had to move out of house for major repairs on first floor due to Hurricane XXXX. XXXX promised to do loan modification. It took forever to process, many documents. Wasted time. Papers were lost and resubmitted again and again by us. Loan mod was much too high for us. Now we are dealing with Seterus. No help there either, nothing. After XXXX loan mods we refused the third XXXX and the fourth and fifth XXXX. The past amounts were nothing we could afford. Even a blind man could see that there was no way we were getting an affordable loan mod even if we filed XXXX loan modifications. I had to stop working XX/XX/XXXX. Money became almost non-existent. Nobody can or will help us. Spoke to many agencies, lawyers. Nothing. Can we now do a short sale? And will we be held liable for the difference if the amount of the sale is lower than what is owed on the house? I ca n't get a straight answer. Is there any sign of intelligent life out there? House is for sale XX/XX/XXXX and current realtor has not been able to get a buyer. Nobody shows up for any open houses. The house is in excellent condition because we spent time and money on it. We will leave the house XX/XX/XXXX. We are done here and I understand these mortgage companies do n't care. But knowing we are XXXX they have proceeded to treat us like immigrants who lack intelligence. By withholding info we needed and the delays, everything fell down the tubes for us. Nobody at XXXX or Seterus cares about homeowners. That 's evident to me. They have a bad rap. That 's what I hear all over town!! Somebody needs to do something to make sure others do n't experience the same situation as we have and lose their home where they paid mortgage for 22 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Performant Financial Corporation
State: MD
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 submitted proper deferment documentation to  XXXX  on       XX/XX/2017 .  Document was never processed and put in default status in error.    XXXX    offered me a repurchase form in  XXXX /2017. Form was submitted     XX/XX/2017 . Rep urchase form is not processed to date. Many apologies for the error but no resolution. Performant Recovery is not willing to participate in a conference call with  XXXX  to hear directly that this was an error on their end and  XXXX  is not providing documentation of the error in order to pause recovery activity until the repurchase request is processed completely. Assistance is needed urgently.

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 2016-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
TransUnion refused to process the disputes that I initiated. They said they would not reinvestigate the disputes even though I asked a totally different question about a totally different aspect of the accounts. They also claim that my bankruptcy was verified by the courts. According to XXXX XXXX the Deputy Clerk In Charge of the XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX, XXXX, OH " The XXXX Bankruptcy XXXX does not report the information to the credit bureaus. '' The bureaus came back calling the info verified by the courts which is false. I demanded that these items all be removed due to not being verified as required under the law but the bureau refused. 

The company claims the information is accurate. They NEVER contacted the creditor listed ( the XXXX Bankruptcy XXXX ) to get required verification and validation. I have again attached the letter FROM the XXXX Bankruptcy XXXX showing that they do NOT report. If the bureau did what they just falsified in the response to you, there would have been no response and the item would be deleted due to being unverified by the original creditor. Instead, the bureau went to XXXX knows what other source to obtain information for them to deem verified - in DIRECT violation of the FCRA. I demand that this item be deleted and that any sanctions that the bureau has coming to them be imposed for not only failing to comply with a direct dispute but also in providing a false response and false accounting of the bureau 's actions to the CFPB. Thank you for your assistance in regards to this matter. 

TransUnion also failed to respond to the CFPB 's final dispute of their response and nothing was done about it.

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 2017-02-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Equifax, XXXX, XXXX has stolen my identity, and attached my daughters ID and credit history on my credit report, without permission from me or my daughter, accounts are XXXX, XXXX # XXXX and # XXXX, # XXXX, these account are student loans. and I have never had a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 pulled my Credit Report and found several things that were incorrect. I tried to solve these problems with the  collectors  to inform them this is not my debt. I have no knowledge of this debt. Please help me to solve this issue. The  collectors  are only interested in getting money and not actually getting down to helping individuals such as myself.

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 2017-07-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On    XXXX   XXXX  , 2017   , I sent a letter to A ccount Resolution Service  to send me information on collection accounts on my credit report for {$1200.00} and {$980.00}. They are on my credit report as medical accounts. I asked ARS to get me the doctors visit registration sheet copy for those  two  accounts. When I go to a doctor, they give me a sheet to fill out in which I write all my personal information and my insurance information. I requested a copy of the those documents because this will show them that I did provide insurance, therefore those accounts should not be in collection and should not be on my credit report. In response they sent me a letter on   XXXX   XXXX  ,  2017   , stating that they confirmed there 's an outstanding balance, however they did not send me the signed documents I requested. On   XXXX   XXXX  ,  2017 , I replied to them that their response is not a verification of debt and again I requested the medical office documents. As of today   XXXX /2017   , they have not replied. The letters ARS sent me is showing the creditor name "  XXXX   XXXX   XXXX   XXXX   XXXX  '' which I do n't know who they are, the letter does not show the Doctor 's name or address, just an invoice number and a balance. How can I investigate where this debt is coming from, if they are billing me without telling me which doctor 's the invoices belong to.

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 2015-09-01
Company: NCC Business Services, Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This place evicted me at the balance of XXXX and after that i called to see what ha pendwith my balance how do i pay it and they told me the balance is XXXX and i was out raged after 2 weeks i called back they told me the balance was XXXX now how is that POSSIBLE I LOST MY APARTMENT AT XXXX AND THEY KIP CHARGING ME AFTER AM GONE OF THE APARTMENT THAT 'S JUST IN SANE

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
my mother was XXXX and chose to recive her pension payment into my checking account. she always told me it was for the preceding month. she died last month and a week later her pension was deposited in my account. i contacted the pension provider and advised them of her death. three weeks later with no notification they electronically debited the amount from my account. this caused extreme hardship in over draft and expenses. i contacted the pension firm and they told me to dispute it with my bank but that will take ten days and still leave me liable for much financial hardship. no one could explain to me why i was not notified of the reclaim of funds after i did my part to contact them for help in a timely manner and my bank is not helping either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: HYUNDAI CAPITAL AMERICA
State: FL
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:
Hyundai Financial has not reported the payments I have made to them, to XXXX, XXXX and XXXX since XXXX XXXXPlease update this 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 2017-07-18
Company: Nelnet, Inc.
State: RI
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:
in  XXXX  I applied for Stafford loans to attend graduate school in the amount of {$500.00} and {$2800.00}. After   XXXX   obtained the money, they said I required a dummy math course. Nelnet serviced the loans. I became suspicious or over stressed by the course as nothing went through properly. Long story short, I requested that the money be sent back to the federal government, I became  XXXX  due to   XXXX   XXXX   then I lived out of my car in  XXXX . I only worked at a   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ( LHI ) and that was less than 20 hours a month ; if and when I could get selected. These loans have been bounced around with nelnet, then yet another loan servicing entity. I can not seem to get any response. I do not know how much I owe and more importantly where is the money? my social security check are being garnished again. This makes the 4th time and I have reached out to   XXXX   XXXX   office, and other educational entities. I am worried that I will not be able to make my rental payments and do not want to once again be forced to live from my car. I seem to not be able to get anyone to give me an accurate accounting Currently my Stafford student loans are being misplaced and my social security checks are being garnished {$240.00}. per month for a loan of less that {$4000.00}. From what I learned, the interest has been accruing and I have been charged twice for loan servicing. Plus the money is still in an account at  XXXX . I live on less than {$2000.00} per month and my rent is {$860.00} and am obviously worried. If someone has the authority to do this to me, with a   XXXX   XXXX   in   XXXX   XXXX  ,  XXXX  years old and a naturally born citizen, I think even if I could borrow money from someone ( which I ca n't ), that is n't the issue that needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On    XXXX   XXXX   ,  2017  I received an email titled " NOTICE OF ACCOUNT CLOSURE AND PENDING DISABLEMENT '' while in  XXXX  on vacation. Coinbase thought I was a resident of  XXXX  and that " If you are not a resident of a sanctioned country or otherwise have received this notification in error, please contact us at  XXXX  XXXX  XXXX  immediately and provide us with a copy of a photo ID and proof of your current address. " I immediately sent them the documentation requested and after 3 days on    XXXX   XXXX  ,   2017  I received a response from their customer service that the issue was being investigated by a  specialist  and I would be contacted when there was an update. After not hearing anything for a few days I responded on  XXXX   XXXX ,    2017  just asking for a status update. I have yet to hear back from them. I have also tweeted at their customer support  (  @ CoinbaseSupport ) MANY times to no avail. My support ticket number from the original email is  XXXX  So at the moment I have no access to any of my funds ( both USD and ETH ) that are in my Coinbase account.

Company response to consumer: Closed with explanation