BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Equifax not only did not notify me in any way of this security breach, but the information was n't even released to the public for several months after the breach. I became aware of this incident through social media ; a letter or email was never sent, or a phone call. Once I became aware of the security breach, I was left to research and handle the issue myself.
Equifax is currently offering a limited credit monitoring service, which is unlikely to actually resolve any of the potential issues, as my information can still be used to open new accounts and I would be left with handling those potential issues. In addition, agreeing to their credit monitoring service comes with the stipulation that my rights in this situation would be completely waived, I would not be allowed to sue Equifax for this incident.
Furthermore, I had to spend my own money to freeze my credit in response to this recent breach of security, and Equifax has done nothing to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: Phoenix Financial Services LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PHOENIX FINANCIAL SERVIC Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  OpenedOct XXXX, XXXX ( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor name XXXX XXXX XXXX XXXX Phoenix Financial Services continously report to all 3 credit reports as if I have an account with them. They are the original creditor for one, for two, it's too old to be on my credit report, for three, I know that they can not keep doing this. I'm asking that they remove from all 3 credit bureaus and stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Caliber Home Loans, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
servicer never applied payments properly from the months of XXXX ... they have been inaccurately reporting my payments as late when they were on time. ruining my fico score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX, I paid off my mortgage, and Mr. Cooper failed to file for the Satisfaction of Mortgage under the time frame required by XXXX. 

New York Real Property Actions and Proceedings Law ( RPAPL ) Section XXXX and New York Real Property Law ( RPL ) Section 275, both require banks and mortgage holders to issue and record mortgage satisfactions within 30 days of being paid in full. 

It took Mr. Cooper almost ( 2 ) two years to complete their responsibility. The Satisfaction of Mortgage was filed on XX/XX/XXXX. Clearly, violation of RPAPL Section 1921 and RPL Section 275.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: IN
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:
On XXXX XXXX Equifax released a statement reading that a data breach at the company may have affected XXXX XXXX Americans, jeopardizing consumer Social Security numbers, birth dates, addresses and some drivers license numbers. Equifax also produced a website offering to check whether you were affected or not, when looking into this problem and submitting my information twice I was presented with two different answers : 1 ) You may be affected and 2 ) no answer. As a result I filed an initial 90 day fraud alert on my file with the Equifax, XXXX, and XXXX. Now I have to take time out of my day to vanguard against potential illegal use of my personal identifiable information because of the lack of security and best practices of Equifax. I have also called my credit card lines filing an initial 90 day fraud alert as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: NJ
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 have confirmed through the Equifax website that my information was likely accessed during the Summer 2017 Equifax security breach.

I have placed a 90-day freeze on my credit. I will have to more rigorously check my credit report over the next year ( s ). 

It is unacceptable that Equifax is such a poor caretaker of personally identifiable financial information. This security breach calls into question this company 's core competency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: VA
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:
Personal information was compromised by the breach of Equifax secure servers. The company has offered some mitigation but has required waiving rights to pursue legal recourse. The company has been grossly negligent and should not be exempt from damages. It should have protected consumer personal and financial information and accept responsibility for shoddy cyber security. It must provide credit monitoring and identity theft protections and be able to compensate consumers for any losses they incur as a result of Equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Capital Management Services, LP
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Id like to report that Capital Management Services LP is being misrepresented by scammers. Over the last week, Ive received a call daily from a set of phone numbers from the XXXX area : XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX While I have not picked up, the voicemail states that it is someone representing Capital Management Services LP and that I should call them back at XXXX. The voice of the person calling is the same each time, but the name changes. The last call I received was from a XXXX XXXX and the call before that, it sounded like the name was intentionally garbled by a machine. There is no further information provided in these voicemails - nothing related to debts or even what they are calling about. Looking up the phone numbers and reviewing the real XXXX  site, I believe these are scammers and would like to bring that to XXXX  attention. 

Every voicemail is scripted as follows : " Hi. This is *GARBLED NAME* calling from Capital Management Services LP . Please call me or one of our representatives at 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 2022-06-17
Company: SYNCHRONY FINANCIAL
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I contacted Synchrony Bank on XX/XX/22 about a credit card that appears to have been fraudulently created in my name. It is for their JCPenney credit card, a card which I have never owned. They said I had to mail a XXXX XXXX about the problem. Today I got a new email, this one from Lowe 's, about my Lowe 's Advantage credit card. It appears that a second credit card has been created in my name that I have never owned and never requested. These credit cards need to stop being fraudulently created and XXXX  needs to address their security system that is being breached by hackers.

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 2017-09-11
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I withdrew money from my EUR XXXX on coinbase.com on XXXX XXXX. 
It was only XXXX XXXX XXXX after their fees and banking fees ) but there is hundreds people with same problem, also a lot of them withdrew much more money. 

The website told me that transfer is completed and I will have money on my XXXX bank account by XXXX/XXXX/XXXX. I did not get this money. 

First I thought there is a small delay. 
On XXXX/XXXX/XXXX I decided to contact them. I 've created case on their support page. 
My question was without response for a few days so I decided to reach them on twitter. 
After next few days they replay on twitter, they wanted me to give them case number from their support so they can take a look. 

They answered me on their support site that they confirmed it as a problem and they are working XXXX to fix the issue and my " case has been recorded for review by an expert. '' I can not give you specific date because their answers has wrong dates (! ). 

After a next days ( XXXX XXXX ) of silence from them I lost patience and I wrote to them again. I get a very fast answere : " Hi there, Just checking in to let you know that this issue is still unresolved. Rest assured your funds are secure, and we are working hard to rectify this situation as soon as possible. 


Thank you for your continued patience, and sorry for any inconvenience caused. '' So I was waiting. I did n't hear from them until then. I was writing on their support site and on twitter.
Four days ago ( XXXX/XXXX/XXXX ) they answered to my tweet again : " We apologize for the continued delay. We are working to resolve the issue as soon as possible. Thank you for your patience. '' So I am still waiting and I hope that you will help me.
Sorry for my bad English and thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: CITIBANK, N.A.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am in a debt relief program. Ive a script from XXXX XXXX XXXX that has been told to the callers numerously. XXXX XXXX XXXX has had me put their number in for them to contact and they still call my wife and I, ignoring the number update.

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 2022-01-16
Company: United Collection Bureau, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Ucb collections charge off XX/XX/2021? i do not owe the XXXX $ i didnt receive any service or request

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
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:
The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX  XXXX, AND XXXX XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations Equifax to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 several inquires that I didn't apply for any lines of credit or loans I already have two new cars and I never used any of theses lenders. : I was going over my credit report and I seen unauthorized inquires that I do not reocognize. 
Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. 
I never gave any permission for the following companies to pull my credit report demand to see the application for credit or request for business. 
I demand see the purpose, and written contract, and proof that I applied for these accounts?? 
I am a victim of Fraud and I am protecting my credit file as much as I can. please delete these at once : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-17
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, I applied for student loan forgiveness and consolidation. On XX/XX/XXXX, I received a qualifying payment letter from FedLoan that says they have evaluated my payments under the Temporary Public student loan forgiveness, I clearly have not. The letter says I have made 1 qualifying payment since XXXX! 

The letter also said that during the TEPSLF Waiver period that says if I consolidate, my payment count will start over. 

This letter is erroneous and is causing a great deal of borrower panic and dismay. 
Fedloan needs to give out correct information! 

I have called on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX and still my payment counts have not been updated. Still sitting at one! 
I have reached out on Fedloans XXXX XXXX and I get a generic response. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
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 is missing that should be on the report

Complaint:
I have requested documentation and validation/verification from this company that they have not provided. I have advised hem that the data being reported is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - SXXXX XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX  Account # : XXXX - US DEPT ED Account # XXXX - XXXX  XXXX Account # : XXXX XXXX XXXX  Account # XXXX 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 an 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 2019-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2022-06-17
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have recently opened a business credit card with US Bank. Since receiving this credit card, that is linked to me personally and also to our work account I have received numerous fraudulent emails on new accounts being opened and money being transferred. I have been in contact with US Bank numerous times from XXXX  XX/XX/22 through today, XXXX  XX/XX/22. US Bank has not been able to provide any resolution and do not I feel they are keeping my information safe and the attempted fraud is continuing. Please see the attached documents.

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 2017-09-11
Company: PREFERRED CREDIT INC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX, XXXX, I purchased a XXXX vacuum from XXXX, of XXXX XXXX XXXX XXXX XXXX, XXXX, OK. The vacuum cost was financed through Preferred Credit Inc ( PCI ) for the amount of {$2500.00} and finance charge of {$990.00} total debt {$3500.00}. The financial contract stated that this debt could be cancelled three ( 3 ) business days after the date of the transaction. On XXXX XXXX, XXXX, I contacted XXXX and requested this purchase be cancelled because it was too expensive, he refused to take action, by trying to reduce the price or not answering my text/phone calls. On XXXX XXXX, XXXX, first business day, I called PCI requesting termination/cancel this contract, but the representative informed me I could not termination/cancel this action, the seller had to request this action. 
Note : The sale was conducted over a weekend when individuals could not be contacted or were still trying to negotiate a deal. On XXXX XXXX, XXXX, last day to termination/cancel contract, I returned the XXXX vacuum to XXXX XXXX XXXX XXXX XXXX On XXXX XXXX, XXXX, I wrote a letter to PCI informing them of the return of merchandise, that the XXXX Salesman, was avoiding me to delay the termination of contract As of this date, PCI has never contacted me. The PCI has placed on my credit reports a charge off of {$2400.00} which lowered my credit score by 100+ points. In my opinion, XXXX, XXXX XXXX XXXX XXXX XXXX and PCI are predator sales and lending services. I am currently contacting the credit reporting bureaus, providing this information, documentation and a request to remove the charge off. Any assistance with this situation will be appreciated. I hope this information will help inform other people of these type individuals and to avoid their tactics. I am a senior citizen and recently retired from the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Synovus Bank
State: MA
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:
FSTPROGRESS XXXX Charge-off This is inaccurate reporting because of the reported dates that is not consistent with the bureaus. Also there is only one bureau that reports the payment history. Please remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Experian Information Solutions Inc.
State: OH
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 several i nquires that I didn't apply for any lines of credit or loans I already have two new cars and I never used any of theses lenders. : I was going over my credit report and I seen unauthorized inquires that I do not reocognize. Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyon e can inquire a credit file. I never gave any permission for the following companies to pull my credit report demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can. please delete  these at once : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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