BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-18
Company: EQUIFAX, INC.
State: NY
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:
Equifax is reporting on my credit report that my account with XXXX XXXX XXXX is an open, active account. The XXXX XXXX XXXX account was paid in full and closed in XX/XX/2017! Equifax has had 6 months to correctly reflect on my report that the account was paid in full and closed, but apparently they are incapable of correcting accurate information provided to them from reporting companies ( but they sure are quick to add incorrect, fraudulent accounts on my report and decrease my credit scores as a result ). Equifax is in violation of the FDCPA by failing to accurately report the account and by calculating my credit score based on that inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX and I am submitting this complaint to follow up the most recent CFPB complaint I previously submitted dated XX/XX/2022. I also sent dispute letters addressed to the Credit Bureuas last XX/XX/2022 with complete attachments pf my presonal information such s my driver 's license, and my SSN, I also attached the ID THEFT REPORT I received from the FTC. I have read that the Credit Reporting Bureaus are required to remove any account and information that resulted due to idetity theft within 4 business days. Under the FCRA section 605b, I need the following items deleted as soon as possible. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action and sue the Credit Bureaus for the damages done on my Credit File. Once again, I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$9000.00} XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX CARD XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, 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 acct # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX acct # XXXX has violated my rights. 

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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I dont the date cause they never called me, the amount {$7100.00} date was XXXX of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: Security Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Security Credit Services is trying to claim a debt for products I did not receive from XXXX XXXX  I set up my XXXX   account a few months before Christmas ; but I did not order anything at that moment. 

I relocated to a new home and I decided to order some Christmas items, before shipping it out. 
I called them to update my shipping address, but my billing address ( old address ) was the same on my credit cards. 

when the items were shipped, they gave me a XXXX tracking number. 
I didn't not know this, but they sent the items to the old address. 
once the tracking online said delivered, I didn't receive the packages. 
I called XXXX, they were no help and said to call the shipper. 
I called XXXX and That's when they told me they shipped it to the wrong address. 
I asked why, since I called to change it before I ordered anything. She didn't have an answer either. 

so I went by the old place ( someone else is living there ) and asked the new tenants if they saw or signed for my packages and they said they didn't have them. 

I set up a missing package case with XXXX and they performed an " investigation '', which was a waste of time. They came back with an internal review and stated they were not at fault and closed the case someone either stole the packages or the tenants at the old place had the merchandise I called XXXX back and told them everything that transpired and they said they'd be in touch. 

months went by and I noticed that SECURITY CREDIT SERVICES place a collections on my credit report. I HAVE NOT RECEIVED a dunning letter or anything. first it was the calls from disrespectful collectors but no letter in writing telling me they were gon na add anything to my credit report. 

According to the FDCPA Act, I have 30 days from the date of written notice to deny their claim, but I didn't get that opportunity. 

when I disputed with them directly in XXXX & XXXX, all they sent me was some papers without any type of signature or proof I owed this debt. 
I asked for : ( 1 ) Contact with my name on it. 
( 2 ). Full accounting of this account. 
( 3 ). Proof that you have the right to collect money from me.

( 4 ). Proof that you have the right to collect in my state.

( 5 ). Proof they own the debt They have not provided me anything.. Instead they are shopping around this debt with other collections companies. XXXX ( another collection company ) is calling me now, about a debt that Security Credit claims they already own. 
HOW CAN TWO COMPANIES CLAIM & COLLECT ON THE SAME DEBT? 

all of this sound like violations. 

I will be filling with the FTC, AG office, and the XXXX  next.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021 i filed an identity theft report with the ftc because I am a victim of identity theft. my information is in the wrong hands and my information was compramised by the XXXX  data breach.

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 2020-04-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to get ahold of the mortgage department. I went online, as this is one of their 3 ways, received an email from someone ( I later find out is not trained in refinancing but was signing her emails as a mortgage associate ) telling me to call. I try, get lost in the queue. I respond requesting a call and am told I need to call. This occurs 3 times PRE COVID. Then the hours changes. I finally got in touch with someone after 2 hrs on hold they tell me my call was transferred out of the mortgage queue so I request a supervisor, she transferred me back to the queue. 3.5 hrs of total time never reached anybody. I then tried to contact social media. I got an email address to contact their executive team. I got a call from someone 10 days ago stating their team would be handling my request going forward and following up every 10 days. 2 days later I got an email stating the issue was not handled appropriately by the first person ... .. 

Today I get my follow up stating the issue is resolved. When I point out that the refi is not done she offers to transfer me. I asked for someone to call me or a request to be put in to call me XXXX states " they do make outbound calls but you have to try one of our 3 methods first. Online, phone ... '' I've already tried this and it was mishandled! At this point I've been trying for 6 weeks and I'm convinced its drawn out and people are unwilling to help so wells can continue to collect PMI.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Experian Information Solutions Inc.
State: NC
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
AS I DO NOT ASNWERS ANY PHONE CALLS ON MY CELL PHONE AND i HAVE THE RIGHT NOT TO. THEY STARTED TOCALL ME AT WORK AND TOLD MY COWORKER THEY WERE CALLING TO COLLECT A DEBT.. IT WAS EMBARRZED AS EVEN MY BOSS WAS HERE AT THE SAME ROOM WE WERE HAVING A MEETING AND THIS PERSON STARTED TELLING ME I HAVE A DEBT ETC.. I AM ON THE DO NOT CALL LIST AND STILL RECEIVED PLENTY PHONE CALLS. THE DEBT WAS IN 2016 HOSPITAL BUT I HAVE TRIED MY BEST AND THE LOCAL HOSPITAL ADVICE JUST TO LET IT GO. AS THEY COULDNT HELP ME NEITHER WITH THE BILL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: KY
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 would like to dispute this one item because its killing my report and killing my financial life planning. Killing my score and most important its not mine. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I had a recurring payment made to checking account at BBVA. That charge incurred an overdraft fee ( - {$1.00} ) and stated that due to overdraft protection, my incurred fee was {$0.00}. On XX/XX/XXXX, another recurring payment ( {$15.00} ) was made resulting in overdraft fee of ( $ XXXX ). On XX/XX/XXXX, another recurring payment ( {$3.00} ) was made resulting in a 2nd overdraft fee of ( $ XXXX ). On XX/XX/XXXX, another attempt was made ( {$15.00} ) resulting in a 3rd overdraft fee of ( $ XXXX ). My balance is now $ XXXX for overdraft protection that didn't do it's job. 

The worst part is I called to cancel my account and was extremely frustrated when I found out I am unable to close the account due to my balance. Plus the dispute process for overdrafts takes up to 90 days, which leaves me in a horrible position to continue collecting overdraft fees on the account with no resolution. 

This practice seems very predatory and I am left with an unusable account racking up debt that I can't pay off. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: NC
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries from organizations in which I have no affiliation with. I never authorized the companies to view my Equifax credit report. There is XXXX XXXX XXXX twice XXXX & XXXX XXXX, 2019. Then XXXX XXXX XXXX dated XX/XX/2019 and XXXX XXXX, XXXX XXXX, 2019. 2019, was especially hard because I was my mothers caregiver and she passed, so I was dealing with a lot taking care of her, then her passing so I was dealing a tremendous loss and I did not make or authorize these inquiries. Fraud alert were attached to credit reports, so not sure why I was not contacted in regards to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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:
Fraud Identity Theft Collection accont from XXXX is not mine this collection account is not mine according to the fair credit reporting act this fraudulent account must be removed and blocked

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 2017-12-06
Company: Experian Information Solutions Inc.
State: AR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My XXXX XXXX old son 's SSN was used to obtain insurance. XXXX of Arkansas ignored me about it and answered my complaint only when I filed a XXXX complaint against them. They said that it was just a typo but I need to get his credit report to make sure since they had my son 's social registered to another man. My son is just XXXX years old. I need help because Experian has so much red tape involved to getting his 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 explanation
Consumer complaint received 2016-12-24
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
No one contacted me from collection agency with proof of debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Coinbase, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My card information on my Coinbase card ( visa debt card backed by US dollars ) was clearly stolen. Starting on XX/XX/XXXX numerous transactions began on my account until the money ran out. I noticed Coinbase at least 3 separate times the first day and continue to this day. The phone system is a dead end that leads to no one in Coinbase card and I just get generic generated responses from Coinbase. Some of my case # s are XXXX XXXX XXXX XXXX opened thu messaging and calling. Transactions went from pending to finalized because I couldn't get anyone that knew what they were doing or what I should do on the phone. My email is XXXX that is how Coinbase pulls up accounts. This claim has nothing to do with cryptocurrency. Transactions XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX & XXXX and XXXX XXXX XXXX are all fraudulent dated XX/XX/XXXX starting at XXXXXXXX XXXX. The card # was XXXX XXXX XXXX XXXX which I reported stolen exp XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-01
Company: EQUIFAX, INC.
State: NV
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:
To whom it may concern, I have noticed a discrepancy on my Equifax Credit File. I had a student loan with the " Department of Education '' that I paid off in full in XXXX of XXXX. However on my Equifax credit file this creditor is reporting Paid/Closed but with 6 charge offs, 7 lates and a past due balance of {$1400.00} which is incorrect. The account number in reference on my Equifax report is # XXXX. 

This account should be reporting as paid in full and closed, with no charge offs or late 's due to the fact that the late payments noted are XX/XX/XXXX to XXXX of XXXX which is definitely incorrect. The Creditor was paid in full of XXXX of XXXX with no balance left whatsoever so for this creditor and Equifax to be reporting 7 late 's and 6 charge offs after is mind boggling to me, especially when the report itself shows my balance as {$0.00}. I need this information updated correctly within 30 days under the FCRA guidelines and regulations of all reporting agencies and creditors must report accurate and correct information. 


Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Experian Information Solutions Inc.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-05-04
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
EQUIFAX is erroneously reporting my account held by XXXX XXXX XXXX XXXX XXXX Current report has my XXXX account listed under Adverse accounts stating the account as two months late payments. This is adversely impacting my credit score by over 50 points. XXXX Bank sent EQUIFAX a letter stating account should be stated as CURRENT and should be reporting as PAID AS AGREED WITH NO PREVIOUS DELINQUENCIES ( see attached letter from XXXX XXXXk sent to myself and XXXX on XX/XX/XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 would like to dispute this one item because its killing my report and killing my financial life planning. Killing my score and most important its not mine. Please remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation