BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: IL
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 X/X/17, I received word via news that an Equifax data breach could have effected me. I followed the prompts to find that I was possibly effected. I placed a fraud alert with the credit bureaus. I 've also found out that 3 executives in the company sold a combined 1.8 Million USD in company stock 2 days after being notified of the breach, but before going public. There is also speculation they knew of the breach 3 months prior to notifying the public. This is a disgrace. These are people 's social security numbers, birthdate, addresses, etc. Extremely carelessly handled and then possibly profited from. Is the system rigged? 

Equifax has offered me one year free credit monitoring from one of their companies ( surprise ). It contains legal language which you are waiving your right to sue them. This is included in the free monitoring, which is obviously a ploy to get citizens to waive their right to sue and sell their own product to you because of their XXXX XXXX. Free for a year and what do you have to do to opt out? Call in a year? 

I should have free credit monitoring for life, as what stops those who bought the information from keeping it over 1 year only to use it when my guard is down? 

I 'd love to see some accountability. I 'd love to believe this system works. Please consider prosecution to the fullest extent of the law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: EQUIFAX, 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:
I XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX with the ACCOUNT # s XXXX & XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment EQUIFAX XXXX XXXX XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX # s XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received a call from XXXX, a locator company, trying to find where the car is that was purchased under my name on XXXX  2019. My identity has been stolen. There were previous attempts where someone tried to open an account under my name so I freezed my credit but apparently this happened right before. I filed a police report on XX/XX/19 case # XXXX. I filed a dispute in Transunion but it came back as verified. The vehicle was purchased in MO. I live in XXXX, CA. How can this be verified? 
Transunion dispute case number is 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 2017-09-09
Company: EQUIFAX, INC.
State: CA
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 was a victim of the Equifax Data Breach described in the following FTC announcement : https : //www.consumer.ftc.govXXXX I learned about the breach XXXX XXXX 2017 thanks to media coverage. 

The steps I 've taken are the ones suggested in the FTC announcement : 1. I checked whether I was one of the affected individuals by visiting www.equifaxsecurity2017.com. I found out that indeed I was affected. 

2. I placed a 90 days fraud alert on my files with Equifax ( and hence, by extension, with the other two bureaus as well ). 

3. I checked my credit report for inaccuracies at XXXX. I only checked with one bureau ( XXXX ), so I can check with the other two for free in 4 and 8 months, respectively. There were no inaccuracies. 

4. I reviewed my existing credit card and bank accounts for any suspicious activity, but this was not unusual, as I monitor my credit card and bank accounts every month. There was no suspicious activity.
5. I 'm filing this CFPB report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: OKCoin USA Inc.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
OkCoin is refusing to pay out three offers that I have completed with them. For reference, I signed up on XX/XX/XXXX and deposited {$100.00} that was used to buy XXXX XXXX. I received an email with an offer ( XXXX XXXX XXXXXXXX? XXXX & XXXX & XXXX & XXXX -- XXXX & XXXX & XXXX ) that stated that if I funded my account with {$100.00}, I would receive {$10.00} in BTC by XX/XX/XXXX. I messaged their support to confirm that I had satisfied this message and they confirmed it. They have not paid me for completing this offer. 

I received another email for an offer ( XXXX XXXX XXXXXXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX ) that stated that if I signed up for text messages by confirming the text message and then completed a trade by XXXX that I would get {$10.00} in BTC by XX/XX/XXXX. They have not paid me for completing this offer. 

I referred someone to OkCoin and they completed the Level 2 Know Your Customer check and deposited {$100.00} ( as attested to by OkCoin 's tracker ) to get {$10.00} in BTC shortly after. They have not paid me for completing this offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-10
Company: Square Inc
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I tried to send {$2000.00} to my friend through Cash App on XX/XX/2020. On my end, it showed that the payment was completed and the money had left my bank account. However, on the end of the recipient, it showed failed. The recipient contacted the Cash App and was told the transfer had triggered an alert. They suggested me to dispute the transaction with my bank and they have refunded the {$2000.00} back to me. So I called my bank and disputed this transaction. However, after the investigation from my bank, Cash App told my bank the transfer was completed and rejected to refund. They even closed my Cash App account after that. The recipient 's account was closed as well. I tried to contact customer service multiple times to ask for evidence of whether the money had deposited to the recipient 's account that he had free access to the fund. They never showed me any proof just told me to reach out to my bank or let the recipient contact them about the fund. The money was lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Wells Fargo calling from phone number XXXX, keeps calling and hanging up without speaking. When I finally called back and told them this is a Federal Government office ( USPTO ) and to stop calling ( as I do n't have any loan or any dealing with Wells Fargo ), they refused to agree. Instead, they demand to know my name ( first name ). I told them to instead give me the name of the person they are trying to call. But they refused. Generally, they call several times a day and hang up whenever I answer.

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 2022-07-10
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:
I XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX with the ACCOUNT # s XXXXXXXX & XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX , XXXX , AND TransUnion ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX # XXXX XXXX and 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 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Today I received notice from XXXX XXXX that TransUnion dropped my score XXXX points. Upon investigation as to why, TransUnion reported that XXXX XXXX reported to them an increase to my credit use by XXXX. This concerned me because my due date is the XXXX of the month and my bill dated is the XXXX of the month and the transaction for XXXX was just posted to my XXXX account on XX/XX/2022. This was not billed yet, so how did Transunion know about the XXXX transaction. 

I called XXXX and learned Transunion told them I disputed the balance on my account XX/XX/2022 and therefore they generated an off-cycle report to Transunion and added a note to my credit report a dispute was filed on my account by me. 

I did not file a dispute on this account. I would have never filed a dispute because there is not a single late payment on the account, not ever. A dispute would be pointless. 

Obviously, this is a retaliatory transaction by Transunion to further drop my credit score. 

I have reported this LIE to XXXX and they have instructed me on what to do to remove this LIE from my Credit Report. I will follow their directives. 

However, this does not excuse the blatant LIE Transunion used to gather information fraudulently they were not entitled to get from my account until I was afforded the opportunity to pay off the balance on my account before the scheduled bill date. This time period is given to all consumers and should not have been added to my credit report until XX/XX/2022 if the balance was not paid in full.

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 2017-09-09
Company: EQUIFAX, INC.
State: CA
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 am a potential victim of the Equifax 2017 Cyber Security incident according to https : //www.equifaxsecurity2017.comXXXX. Furthermore, attempting to create an initial Fraud Alert on Equifax 's website ( https : //www.alerts.equifax.comXXXX ) results in an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
incorrect addresses on my credit report. 
my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX Please remove all old/incorrect addresses from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
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: Personal information incorrect

Complaint:
incorrect addresses on my credit report. 
my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX Please remove all old/incorrect addresses from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09
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:
On XX/XX/2018 I disputed an item on my Equifax credit report using USPS certified mail ( See attachments ). I recently received the results from Equifax that indicates, " The disputed information has been verified as accurate ''. 

Equifax has failed to disclose to me documents that were used to verify the accuracy of the information reporting on my Equifax consumer credit report. The response provided by Equifax does not constitute verification. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g, I have the right to demand Equifax disclose all of the documents that have been recorded and retained in their file at the time of my request concerning the account reporting in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Experian Information Solutions 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:
I XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX with the ACCOUNT # s XXXX & XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX , EXPERIAN , AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX # XXXX XXXX and 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 2021-08-25
Company: Early Warning Services, LLC
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:
After being denied the ability to use my XXXX  XXXX debit card for automatic payment of my XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX, XXXX had informed me that the denial was the result of a report from Early Warning. I obtain my report from Early Warning. In a phone call with Early Warning their representative denied producing any score and did not reveal what information on my report they considered derogatory. 

I did notice on my Early Warning report they reported the status of one of my accounts ( with XXXX XXXX ) as " Deceased '' in XXXX and present in XXXX even though I am still alive ( my wife who was a co-owner passed away in XXXX, but the report gave no indication of joint ownership. 

I disputed the characterization that I was deceased in XXXX via letter. They initially responded that their investigation determined that the status was accurate. I tried faxing them a letter requesting that they report to me how they verified the information, but their fax system refused to receive it. 

Today ( XX/XX/XXXX ) I received a report that they claim represents a correction of the information ; however what it appears they have done they have left in the report the allegation that I was deceased in XXXX and removed the claim I am alive in XXXX. 

Now for my XXXX bank account, Early Warning shows as the current status of the account " deceased ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
XXXX XXXX, 2017 Potential victim of the equifax hack due to inadequate security measures. Corporation cost cutting for short term margins is not in line with shareholder value and this behavior in this industry must be corrected. 

Institutions must correct the culture of investing more into cybersecurity, not less.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection on my credit profile from Hunter Warfield that was deemed not my debt. I have had this derogatory mark removed by 2 of 3 credit bureaus and demand this gets removed from XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Experian Information Solutions 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:
I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX , Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 2017-09-09
Company: AES/PHEAA
State: TX
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:
I thought the problem was resolved but it seems as if I am having the same problem. For your review and consideration I am enclosing a letter from Fed Loan servicing dated XX/XX/XXXX stating that my monthly payment was recalculated at {$300.00}. I am also attaching a letter dated XX/XX/XXXX that sates my monthly payment has been recalculated to {$440.00}. This amount is very close if not identical to what it was when I contacted your office originally. 

I would respectfully stress that I have not submitted any additional documentation to fed loan servicing regarding my income since XX/XX/XXXX. They are using the same exact documentation they had when they issued the letter on XX/XX/XXXX to come up with this amount. I have not been successful in getting a satisfactory explanation at how they arrived at this figure. 

I would be grateful for your assistance in getting the amount back to the {$300.00} that it was previously. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation