BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-29
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and their is unauthorized and fraudulent credit accounts and inquiries listed on my Equifax credit report. The following credit accounts and inquiries listed are fraudulent : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: CORELOGIC INC
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Credco applied a hard inquiry to my credit report when I was told it would not show up as one. I asked about my options for a loan not to apply or be approved for one.

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 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to reach Transunion, XXXX  and XXXX will not allow to dispute on line. states I have a dispute I did not do. Ex-husband took my card without my consent

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 2015-08-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I recently met with an attorney regarding errors on my credit report and learned that XXXX XXXX XXXX is incorrectly reporting mortgage account information on my three credit bureau reports. My last payment on my XXXX XXXX XXXX Mortgage was dated XX/XX/XXXX ; therefore, the status date on the account was XXXX. This account should have been removed from my three credit reports XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Am having a huge problem with Equfax for the past few years they have not be releasing my file to anyone i ca n't disputes online i do n't understand what else to do. I need your help to look into this issue with this company. I want them to release my file so that i can access my report trough third party and also able to disputes incorrect information on their site.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have never signed for this debt. my ss # ends in XXXX ... I believe my identity have been stolen. My ex husband may have something to do. I have my divorce decree and can fax it upon request. I have no knowledge of such debt and if I get a letter of such debt send to my current address at XXXX, XXXX, FL XXXX, I will sue this collection company because of the stress they are causing and damaging to my credit ... please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: CL Holdings LLC
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
disputed XXXX bill was put into collections in the year 2006, no action was taken by XXXX at that time. now a collection company by the name of jefferson capital is trying to collect the amount owed to XXXX and it has been over 10 years from the date we had the dispute on the phone service plus it was on the credit report still. ilooked online about jefferson capital and a lot of the reviews said that they change the dates of the collection dates so they dont go over the 7 years allowed by law to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Loan Science, LLC
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have a student loan with XXXX XXXX, XXXX. I was 19 days late with one of my payments. I received a call from Loan Science LLC as a debt collector asking me to pay my loan on XX/XX/2020. When I received the call I scheduled a payment directly to XXXX XXXX  XXXX to set my account current. The representative at loan science called XXXX  and verified my payment was scheduled. After that call, I've received 3 other calls to me and my co-signer requesting payment even though payment has already been made. Every time we tell them to please verify before they call and they continue to harass us. They're even spoofing other people 's phone numbers to get in contact with me. They've called me with XXXX ( pulls up as XXXX XXXX XXXX and XXXX, but if you look on their website the number they have posted is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This card was lost, so they said they would have to do a cancel on it, and replace it ; and just the last 4 digits on the card would be different. This is not a reportable item. What else can a company do when a credit card is lost? So, should the company not have reported it as closed? This should not reflect in any way as something bad on my credit report. Who does n't lose one of their cards now and then? That has nothing to do with my credit worthiness. Please take this off, as the card was immediately re-issued. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a student loan with the Department of Education that had been sold or handled by the company " XXXX XXXX XXXX ''. I have paid my loan as directed to XXXX XXXX XXXX. now, my credit report shows that I have a loan for XXXX and the department of education. With the department of Education loan being in default. WHen I called the dept of education, they claim I have no account with them anymore and that I have to handle this situation through the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I requested my free annual credit report through XXXX. All of the credit reporting agencies provided me with my report except Equifax. When I got to the Equifax site, their website crashed. I called the following day, XXXX/XXXX/XXXX and explained what happened. They tried to sell me a credit report. I refused, insisting that they must provide me one free of charge. The representative took my information and said I would be mailed a credit report within 30 days. I never received this. I called again on XXXX XXXX, XXXX and was again denied my free credit report because their system shows that they gave me one in XXXX of XXXX. This is a scam designed to force consumers to pay for the credit report that by law they are entitled to once per year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My account was hacked through the coinbase website on the early monring of XX/XX/2021. They used coinbases secutiry features to remotely access my account/phone and reset my password and change my phone number. " They '' bypassed all of Coinbases security features and stole {$14000.00} that I had in my account. They also started withdrawls from my checking account that totaled in amounts over {$3000.00}, I was able to cancel these transaction I have contacted Coinbase numerous times. They have no live support, I was emailed a case number and have not heard anything back sense.My account was locked and I am no longer able to access any of my info. After doing some research it appears that it is common for Coinbase to give people a support ticket and never follow up. I want my money back from coinbase. It appears that people having money stolen from or by Coinbase is very common.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved. 

These companies are in complete violation of the Fair Credit Reporting Act 15 U.S.C Section 1681 for Unlawfully obtaining my consumer 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 explanation
Consumer complaint received 2016-02-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian Report pulled on XX/XX/XXXX and Transunion Report pulled on XX/XX/XXXX show XXXX bank re aging a credit card debt charged off in XXXX to reflect a past due amount on a XX/XX/XXXX credit report for XX/XX/XXXX.. This is illegal and violates the fair credit reporting act. They ca n't say a debt is due if they have charged it off. It must be listed as disputed on my credit report and they could not verify the debt in XX/XX/XXXX. Also, they must cease and desist from how they report this debt immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This account has been on my credit report since 2009, pass the 7 year period, I have tried to dispute it several times to have it removed but experian wont allow me to dispute.

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 2015-12-20
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My brother and I are XXXX and our names are very similar. His transactions are appearing on my credit report along with his name as an alias for myself

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

Complaint:
I sent a settlment offer as payment in full certifed mail with return receipt and someone from their office sign for it. I havent receive any contact from this company in over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: United Credit and Collections Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
United Credit Collections violated my consumer rights. United Credit Collections has harassed me by making phone calls and much more. They have ruined my reputation by reporting information on my consumer reports.

UNITED CREDIT COLLECTIONS IS IN VIOLATION OF THE FOLLOWING : 15 U.S. Code 1692b. ( 2 ) 15 U.S. Code 1692b. ( 5 ) 15 U.S. Code 1692c. ( a ) ( 1 ) 15 U.S. Code 1692d ( 1 ) 15 U.S. Code 1692d ( 2 ) 15 U.S. Code 1692d ( 5 ) 15 U.S. Code 1692e. ( 2 ) 15 U.S. Code 1692e. ( 7 ) UNITED CREDIT AND COLLECTIONS INC was hand delivered an Affidavit on Wednesday XX/XX/ 2021 via certified mail ( Tracking # XXXX ) in which they have failed to properly respond. UNITED CREDIT AND COLLECTIONS INC has now been notified that they are in Default. This notification was sent via certified mail ( Tracking # XXXX XXXX. They are civilly liable.

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 2015-06-15
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I submitted a complaint to the CFPB about a month ago, case # : XXXXQuick rundown of that complaint : I had XXXX collection accounts that I 've disputed over XXXX times and Experian refused to acknowledge or even conduct an investigation. I called the debt collector and they told me they requested they be deleted months ago. So I filed a complaint with the CFPB. Through that complaint, Experian agreed to remove those items from my credit report. I confirmed the accounts were removed by ordering a new credit report on XXXX/XXXX/2015. On XXXX/XXXX/2015, I got a credit monitoring notice that the XXXX collections accounts had been re-reported to my Experian Report. Today is XXXX/XXXX/2015 and I did not receive written notification from Experian that the accounts were being re-reported, violating the FCRA yet again. Section 611 5 B ii ; which states : Notice to consumer. 
If any information that has beendeleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agencyshall notify the consumer of the reinsertion in writingnot later than 5 business days after the reinsertion or, ifauthorized by the consumer for that purpose, by any othermeans available to the agency. 

I am getting really frustrated with this company constantly violating my consumer rights. How are they still in business? I 'd like them to be reprimanded and I 'd like this inaccurate information deleted form my credit report and blocked, so it can not come back on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21
Company: McNeil & Meyers Asset Management Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Debt collector call once and asked me what would your boss think about you not paying back your obligations? I have a saved voicemail stating that the company would be moving forward against me in my county and if I wanted to avoid litigation I needed to call them to pay my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
my boat trailer was stolen. I never received pink slip from old owner XXXX XXXX XXXX towed it. towing company hired credit bureau associate company to collect for storage fees old owner told credit company he sold it to me credit company changed his name to mine and never told towing company. towing company told me they sold the trailer and have no contract with collection company in my name. they say collection company changed old owners name to mine illegally.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21
Company: BANK OF HAWAII CORPORATION
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: Account status incorrect

Complaint:
-XX/XX/XXXX : I paid the remaining balance IN FULL via my online Bank of Hawaii portal in the amount of {$140.00} ( the entire balance as stated on their website - SEE ATTACHED DOCUMENT SHOWING BALANCE OWED, AND PAYMENTS MADE ). 

XX/XX/XXXX I was made aware of a missed payment only because I logged into the site to request that the account be closed. I called BOH to understand what was late and why I had a balance on the account when I already paid it in full. They were unable to answer my questions and told me that someone would call me back. After not hearing back I called back in and spoke to XXXX who told me she saw the notes from my last call and would get back to me with answers on why there was a {$6.00} balance and then a {$7.00} balance after I had paid the balance in full. I spoke to XXXX again on XXXX and was informed that interest had been charged on the account along with a late fee and that these fees weren't visible when I paid the published balance on the BOH website in XXXX. I agreed to pay the late fee and balance in full on XXXX with the understanding that the late payment report would be deleted from by credit report. Nothing was done by BOH after this call and the late is still on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-16
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I sent a written cease and desist letter via fax on XXXX XXXX telling them that I would contact the originator of the alleged debt to work out any concerns. I received a notice from the RMS on the XXXX stating I had 10 days to pay them with fees and interest or they would contact the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a credit card account with XXXX XXXX with payment history dating back to 1999 and there have being issues with the account and on-going dispute with the bank.Mysteriously the account prior payment history has being removed from my Experian credit file and the account allegedly sold. All I am my requesting is for the prior payment history to be reinstated to have accurate information as the collection agency XXXX XXXX is making false claims and misrepresentation in court about the payment history and status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-10
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: Public record information inaccurate

Complaint:
Multiple inquires from XXXX and XXXX  XXXX XXXX reporting hard inquiries on my credit report. Please remove from my report ( s ) Also XXXX  from my XXXX  report XXXX, XXXX, and XXXX XXXX  from all of my credit reports via XXXX, Transunion, 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 2021-05-21
Company: BARCLAYS BANK DELAWARE
State: NY
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:
It is mandatory that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ).

3. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX  XXXX Account Number : XXXX 4. Please block and remove this INACCURATE and UNFAIR data on my credit report. BRCLYSBANKDE Account Number : XXXX 5. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX  XXXX Account Number : XXXX 2 fo 1 egaP knalb : tuoba XXXX XXXX XXXX 6. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account 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