BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Services continues to report an erroneous tradeline on my credit reports and they additionally attempt to try to collect on it, clearly in violation of the law since they refuse to validate the debt despite my numerous attempts to get them to do so. My most recent attempts were XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.

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:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: LA
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:
Some or all of my personal data may have been leaked with the Equifax hack. I found out about the hack through the new and went to the website Equifax set up that checks to see if my data was stolen. I received the following message : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' My information may now be public, leaving me vulnerable to identity theft.

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:
On XXXX/XXXX/2017, Equifax reported that they had been hacked and that the social security numbers, birth dates, names, and addresses of 143 million consumers were leaked. Using Equifax 's online tool, I discovered that my information may have been breached. I requested an enrollment date for their credit monitoring services ; however, since making the request, numerous online articles have reported that enrolling in the free year of credit services forces the end user into an arbitration clause which hinders the user 's right to be part of a class action lawsuit. I believe, that although Equifax is equally a victim, that they are ultimately still responsible for the breach due to failure to properly secure themselves. I will likely forego their free credit monitoring service in order to avoid being forced into an agreement that I would otherwise not consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2021 I reported 3 times that there was fraudulent activity on my XXXX XXXX XXXX. I was hung up on several times ( many customer service providers are not in the XXXX, I had trouble with accent and they couldnt understand what I was trying to relay to them ) I had to be transferred 5 times each call, each dept stating I needed to speak to another dept. The online " send us a message '' is not working and hasnt been working since early XXXX. 
Most charges were removed, but the interest was not adjusted and XXXX XXXX XXXX Bank notified my credit bureaus I was over limit etc.. It was told to me via phone this was all going to take a couple weeks. I can not reach anyone who can help, I cant even send an email or other electronic form of message.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.

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: HYUNDAI CAPITAL AMERICA
State: MN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I leased a XXXX XXXX XXXX on XX/XX/XXXX. Lease ended XX/XX/XXXX. I contacted lease company ( Hyundai Capital America d/b/a Hyundai Motor Finance Company ) and obtained the payoff to purchase my vehicle for the residual value established in the lease agreement in XX/XX/XXXX and to pay any charges or fees related to the lease and to complete the purchase. On XX/XX/XXXX, I was instructed by two ( 2 ) representatives of Hyundai Capital America ( Lease termination and purchase division ) to send a certified check, via overnight delivery, in the amount of {$21000.00}. I was told this was the total balance due to payoff vehicle, close account and obtain the title. I did as instructed and sent the certified check along with a cover letter. The certified check was received by Hyundai Capital America on XX/XX/XXXX ( per USPS tracking receipt ) and cashed on XX/XX/XXXX. 

I have called Hyundai on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in order to determine the status of my title. Each time I called ( I kept contemporaneous notes of each call ) I was told that the account had not been processed, there was no one I could talk to except for the representative ( different each time ) that answered the generic XXXX number, they would send an email to " another department to expedite the process '', that they would call me back in no more than 5 business days with a response ( no return call ever received ) and deliver my title to me. 

As of today, no title has been received and no explanation has been provided for why they kept the money they told me was due to purchase the vehicle and have not provided the title to me in more than 108 days.

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: 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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: TRANSWORLD SYSTEMS INC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A COLLECTIONS ACCOUNT WAS OPENED WITH TRANSWORLD SYSTEMS FOR 2 DIFFERENT ACCOUNTS. I DO NOT KNOW WHAT THESE ACCOUNTS ARE FROM BUT THE DATES SHOW IT WAS A " DEFAULT '' FROM XXXX, 2014. THE STATUTE OF LIMITATIONS ON DEBT COLLECTIONS IN MY STATE IS 5 YEARS. WE ARE WELL PASSED THE POINT OF COLLECTING. THEY ARE NOT ABIDING BY THE LAW BY TRYING TO COLLECT SAID DEBT. I HAVE NEVER RECEIVED ANY NOTICES OR ANY VERIFICATION OF THIS SAID DEBT. THIS COLLECTION IS HURTING MY CREDIT SCORE CURRENTLY. SINCE THEY CAN NOT VERIFY THE DEBT IT NEEDS REMOVED FROM CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have been an AMEX card holder for a long time. I was emailed an offer to upgrade to the XXXX XXXX credit card for {$450.00}. As part of the terms, it said I would get XXXX points with a {$4000.00} spend in the first 3 months. I spent that and didn't get the points so I called in and was told it would be on my next statement. My next statement came and went and I called again. This time I was told I was never eligible and the person who told me I was getting the points was wrong. 

I would have never upgraded if I had not been victim to this " bait and switch '' This is an illegal practice and I want my {$450.00} refunded immediately and my card closed. 

I sent them a mediation request 2 months ago and have not heard one work back. AMEX has to have THE worst customer service in the world and just lost a long time customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: QUALITY ACCEPTANCE LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
For love of XXXX Please help Quality acceptance LLC charged an charged illegal interest rate, refused to contact us when we turned car in a YEAR after we bought it cause they lied, they never let us know it went to auction, refused to send bill of sale of it going to auction, and illegally harassed us to pay the {$8000.00} left on the loan when we turned car in three years early on loan, please help us get {$8000.00} back and ruin this company, we will spend every day and hour, we have letters from over 5 regulators supporting this. Please please get this company to pay me and have them cut off for life for major illegal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/14 my Coinbase account was hacked. I alerted Coinbase and my account was locked and all my funds are missing XXXX including multiple charges to my bank account in the amount of {$600.00} as well. I have sent multiple emails and have yet to hear from anyone from Coinbase

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
In XX/XX/2009 I opened an XXXX XXXX card. This card was closed by their bank for non-useage several years ago. They sold my information to a new bank and this bank ( Barklays ) opened a new card in my name without my authorization. This has negatively impacted mine and my husband 's credit reports.

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: Experian Information Solutions 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:
A complaint was filed on Experian under for not updating my credit report to show XXXX is paid in full. Their response back the you ( CFPB ) that the account was updated. A complaint was filed on XXXX with you ( CFPB ) for not posting my payoff check to my account to reflect a {$0.00} balance since XX/XX/2021 and also failure to report the closed account to all 3 credit bureaus. XXXX finally updated the account to {$0.00} balance recently but did not report my account is paid in full to Experian. The account is still open showing a balance of {$22000.00} and is being counted as part of the debt ratio, credit and/or from receiving a low interest rate. Although have a letter stating the account is closed, this is not acceptable with some banks when trying to obtain a credit. Per XXXX, the account has to show {$0.00} balance on the credit report. Ive asked numerous of times for this problem to be resolved with Experian and with XXXX. Experian will not allow me to file another dispute or call in to file a dispute regarding XXXX. Ive provided the complaint # s that was filed with you ( CFPB ) to show their response back stating the issue is resolved ( which is incorrect ). 
Here are the complaint # s : # XXXX, # XXXX & # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 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:
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and dozens of millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: IL
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 have sent two leters to dispute/challenge inaccurate information on credit report with no response from the bureau.

It is now going on 60 days without and written correspondence from this bureau. 

Your assistance is greatly appreciated!! 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-14
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Colo. Dept. of Labor and Employment sent me issued me a U.S. Bank ReliaCard for an unemployment claim I never made.

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 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-07-11
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWARE THAT DEPENDENT ON 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. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGANIZATION BELOW : CC : XXXX XXXX ASSISTANT DIRECTOR OF ENFORCEMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSIT INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX  CC : STATE REGULATORY AGENCY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sick with XXXX and received insurance thru market place which allowed me to purchase a policy which paid 100 % after my deductible which was met after my XXXX XXXX dollar XXXX at XXXX. These other health provider have tried to charge add ons after the fact that are fraud and denied by insurance and the providers sold this junk debt to these collections companies to try XXXX money out of me. These accounts have been dropped on other reports but Trans union still lists these fraudulent debts. My next step will be to contact the attorney general and seek relief or other remedies.

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: 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:
My personal information was improperly handled by the company in question and i 'm now at a significantly higher risk of credit fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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