BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: NY
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 XXXX 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.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Ive been unable to receive my free annual credit report from Transunion and XXXX for the past two days ( XX/XX/XXXX-XX/XX/XXXX). When ordering online through XXXX or the company Web sites, each attempt returns an error message stating technical difficulties ( Transunion ) or the site can not be reached ( XXXX ). Also, neither company seems to provide a contact phone number for customer service or technical support on its Web site. The inability of customers like me to receive our credit reports, as allowed by law, in a timely way, combined with the lack of timely customer service on the part of these companies, is unacceptable. It is especially so, given the recent XXXX data breach and the subsequent need for consumers to act now to protect their identities, including by reviewing their 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 2017-09-13
Company: The Thomas Agency, Inc.
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX {$370.00} XXXX {$93.00} XXXX {$420.00} XXXX {$190.00} XXXX {$98.00} XXXX {$260.00} XXXX {$500.00} XXXX {$320.00} I have written them multiple times to get proof of debt and they have failed to send me anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 the following Accounts, has violated my rights. 

DPT ED/XXXX- Account # XXXX, XXXX, XXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXX- Account # XXXX, XXXX XXXX- Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX- Account # XXXX**XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX, XXXX XXXX- Account # XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also there are unauthorized Inquiries that are not made by me and need to be removed immediately according to FCRA Section 609 & 611. 

XXXX XXXX  XXXX Date Inquiry : XX/XX/XXXX - XXXX XXXX - Date Inquiry : XX/XX/XXXX - XXXXXXXX XXXX XXXX - Date XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Inquiry : XX/XX/XXXX XXXX XXXX XXXX  - Date Inquiry : XX/XX/XXXX - XXXX XXXX  - Date Inquiry : XX/XX/XXXX XXXX TransUnion XXXX - Date Inquiry : XX/XX/XXXX XXXX XXXX  XXXX - Date Inquiry : XX/XX/XXXX - TransUnion XXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXX  - XXXX Inquiry : XX/XX/XXXX - TransUnion XXXX XXXX  - Date Inquiry : XX/XX/XXXX - TransUnion XXXX XXXX - Date Inquiry : XX/XX/XXXX - TransUnion

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 2022-06-14
Company: Experian Information Solutions Inc.
State: WA
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 the following Accounts, has violated my rights. 

DPT ED/XXXX Account # XXXX, XXXX, XXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXX- Account # XXXX, XXXX XXXX- Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX- Account # RPPJ**** XXXX XXXX- Account XXXX XXXX XXXX Account # XXXX, XXXX XXXX- Account # XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also there are unauthorized Inquiries that are not made by me and need to be removed immediately according to FCRA Section 609 & 611. 

XXXX XXXX XXXX Date Inquiry : XX/XX/XXXX - Experian XXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXX XXXX - Date XXXX : XX/XX/XXXX - Experian XXXX XXXX- Date Inquiry : XX/XX/XXXX XXXX Experian XXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXX - Date Inquiry : XX/XX/XXXX XXXX XXXX XXXX  - Date Inquiry : XX/XX/XXXX - Experian XXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXX  - Date Inquiry : XX/XX/XXXX - Experian XXXX - XXXX Inquiry : XX/XX/XXXX - XXXX XXXX XXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXX XXXX - Date Inquiry : XX/XX/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 2017-09-13
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have XXXX accounts with Coinbase.com. 

On XX/XX/XXXX I tried to login to my accounts and got the message that my account has been XXXX and I need to provide photo ID. I was n't sure if their site was hacked or if there was an issue so I reached to Coinbase customer support. They responded back saying a XXXX is looking into my issue. 

After that I messaged several times over several days asking for an update and then finally got a response on XX/XX/XXXX that a XXXX will be looking into my case. I then uploaded by XXXX 's XXXX. But then again i kept sending message and didnt get an update and after several days I was told that my case is prioritized as high priority and XXXX is looking into it. Since then I have been messaging coinbase support for an update and they are not even responding with any update. 

I have XXXX at coinbase that I 'm not allowed access because they have XXXX my account. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I received a XXXX  XXXX  XXXX  for XXXX for {$200.00}. When I tried to use it, the money wasn't there. I called the Visa Card Customer Service XXXX, found out where the charge was made, and called the department store. Someone made an online purchase for the full {$200.00} then picked up the merchandise at the store location. Their identity is unknown. I immediately called back the XXXX  XXXX  XXXX  Service number to make a report. They then instructed me to fill out a Card Holder Dispute Form, email it in, and I would get refunded the money back on my card. It's been 6 months and they never placed the money back on my gift card like they told me they would. I have attempted to call them, and email them multiple times without a response, and NO REFUND.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: WA
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 the following Accounts, has violated my rights. 

DPT ED/AIDV- Account # XXXX, XXXX, XXXX XXXX XXXX # XXXX XXXX Account # XXXX XXXX- Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX- Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX- AccounXXXX XXXX XXXX  XXXX XXXX- Account XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also there are unauthorized Inquiries that are not made by me and need to be removed immediately according to FCRA Section 609 & 611. 

XXXX XXXX  XXXX Date Inquiry : XX/XX/XXXX - XXXX XXXX - Date Inquiry : XX/XX/XXXX - Equifax XXXX XXXXXXXX - Date XXXX : XX/XX/XXXX - XXXX XXXX XXXX Date Inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date Inquiry : XX/XX/XXXX - Equifax XXXX - Date Inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXXXXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXX  - Date Inquiry : XX/XX/XXXX XXXX XXXX XXXX - XXXX Inquiry : XX/XX/XXXX - XXXX XXXX XXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXX XXXX - Date Inquiry : XX/XX/XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: Pendrick Capital Partners Holding, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently saw on my credit report that I owe Pendrick Capital Partners LLC {$1200.00} for medical bills. However I received a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX saying I owe {$1200.00} to Pendick Capital Partners LLC. I did an investigation and found out that the original creditor is XXXX XXXX XXXX XXXX which is Located in XXXX XXXX, Louisiana. The letter also states that the date I use the facility was XX/XX/XXXX. I have n't been to that facility and I had a full coverage insurance because of my XXXX that 's from XXXX. Also to add I was receiving calls from one of those company and I did explain to them that I did n't owe any money to them and if I do they should send it to my insurance company but they wanted me to do a payment plan and pay out of pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit Collection Services sent a letter to my address dated XX/XX/2022. I have no relationship with this company and I have not given them my personal information. Pursuant to 15 USC 1692j, Credit Collection Collection Services may not furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. The debt collection letter they mailed me says they are collection a debt for XXXX but the address on the letter is Credit Collection Services letter and they are asking me to send them money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: DriveTime
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:
When I checked my credit report several auto loan places showed up on it last year which prevented me from renting a XXXX XXXX  XXXX XXXX I had submitted info to both the company and XXXX  and nothing was done and no response and I requested a response and proof of my signature. 


Auto Financing Companies Contact info XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
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:
ACCOUNTS ARENT MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2019 I open a checking account online with Iberiabank. At the beginning of the application process their website states : This account opening process will only take a few minutes to complete. You can also save and retrieve the application later if you need to. We welcome all applicants who reside in Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, Tennessee, and Texas states to apply online. You must also be a United States Citizen to apply for an account online. For all non-U.S. Citizens, please go to your nearest branch to apply for an account. 
I applied, made a deposit, got information for online checking and was able to log in with my new account number. I received several emails welcoming me. I found out a day later that my application was refused because I didnt live within 60 miles of a branch. This was standard policy. No where on their website or during the application process did they mention this fact. You would think their application process could easily determine if you live within 60 miles of a branch. If this was the policy then why not simply state that we take applications in these states as long as you live within 60 miles of one of our branches. The way it sounds as long as you live in one of these states you can open an online checking account.I had already set up direct deposit from work. Thankfully I was able to cancel this before my next check came out. Can you imagine the trouble I could have incurred with my pay check going to a closed account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
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:
Credit Bureaus are refusing to delete these inquiries due to IdentityTheft!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am attaching my identity theft report to prove it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: EQUIFAX, INC.
State: GA
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:
Equifax was notified about an account that is closed. I submitted a dispute request and was advised 24 hours later that the account had been investigated and the account was verified. This account has been closed since XX/XX/2019 and there is no way that a closed account was verified as still active and open. There are 2 self lender accounts. The current one was opened on XX/XX/2019 and is the current one. The one that is in dispute was opened in XX/XX/2019 and closed on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

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. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion offers a service called XXXX that provides landlords with full credit and criminal background checks at the expense of the renter. 

When I called to ask about obtaining a copy of my credit report in XXXX, I was directed to the FAQ on the website which directed me to call transunion directly. The operator was unsure of how to proceed and I have yet to receive a copy of the information that I was charged for, and that was provided to a prospective landlord. 

It has been more than a month and the process seems to be intentionally designed to confuse and deter people from accessing the information that they pay for. It is deceptive business practice at best, and outright illegal at worst.

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 2019-10-16
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am constantly trying to unfreeze my Equifax credit report and constantly get the run around saying they are unable to unfreeze because they need my drivers license and social security card. 
I have faxed and mailed by documents numerous times and Equifax states they are either unreadable or the mail got lost. 
Equifax has also been unable to add my birthdate to my credit report as I have requested this on numerous occasions. 
I am also unable to retrieve my credit report online and can not get my annual free credit report. 
I am also unable to unlock my Equifax credit online. 
By law I should be able to get my annual credit report and unfreeze my credit report at anytime. 
I am attaching a copy of the letter I sent to Equifax, drivers license and ss card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been trying for the past few years to get my FREE CREDOT REPORT from all agencies .. EQUIFAX has NEVER sent me my free annual credit report, stating that " they don't have records of me '' .. all other companies " XXXX and XXXX '' have no problems at all and they have sent me my free credit report once a year every time I have requested it online. EQUIFAX has made me send them copies of my personal documents in several occasions and they still refuse to give me my credit report. This situation affects me terrible because even though I have credit cards and I have bank accounts and my credit score is in GOOD status, I can't even buy a car because most dealers use all 3 reports to approve the loans to buy cars. What legal rights do I have against EQUIFAX for having my identity in a Halt as they have??? Please help me urgently because I need to buy a car and move on in life. Life of an immigrant is already hard as it is, I don't need to have EQUIFAX terrorizing and sabotaging me financially. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: NY
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  leaked my personal information. Please help protect me and all other Americans affected.

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