BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-07
Company: ENCORE CAPITAL GROUP INC.
State: AZ
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: Was not notified of investigation status or results

Complaint:
A letter was sent to Midland Funding requesting verification of this debt. I asked for original signed contract and payment history. It has been well over 45 days and I have not received any response from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
capital one credit card closed 7 of our accounts for no reason and by doing so they are not allowing us to use our accumulated points to purchase a new general motors product.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: ALLY FINANCIAL 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:
Unauthorized inquiry.

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 2017-09-08
Company: EQUIFAX, INC.
State: AZ
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 has placed me into a tough situation leaving the possibility of my person information hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Experian Information Solutions 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:
Experian mishandled my information, which myself and millions of people at risk for identify theft

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 2017-09-08
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:
I have been flagged as impacted by the Equifax security breach. This constitutes incorrect use of my credit information because my personal information was divulged without my consent, due to the company 's inadequate website security.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MI
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:
As part of the 2017 Equifax cyber security incident, I was one of the millions potentially affected by the data breach. The behavior of Equifax executives has been unacceptable following this incident, and brings to question their accountability and affability in this situation.

Company response to consumer: Closed with explanation
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:
I have been informed that my personal data was compromised by the Equifax breach in the summer of 2017. I assert that this breach was a combination of the lack of proper security controls ( initial breach ), the lack of sufficient security response ( duration of breach ), and the lack of transparency ( duration between knowledge of breach and notification of potentially impacted individuals ). While I have yet to  verify any loss, I will now incur charges due to putting in place credit freezes, credit monitoring, and am exposed to the potential of income tax fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: AZ
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 was hacked and failed to notify consumers. I was a consumer that was impacted by this hack. Managers sold stock before notifying customers. Unacceptable. My private information has now been shared with the President 's best XXXX buds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax has compromised my wife 's and my personal financial data and have only limited solutions that may involve me forfeiting some legal rights. Hackers may now know my personal information as Equifax was careless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my last effort to resolve this matter before I pursue to taking legal action. This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validity of it and asked that the item is removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.

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 2017-08-17
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:
I have several unauthorized/unrecognized inquires on my Trans Union Report that I do not recognize. I have submitted an Dispute to Trans Union But I have n't gotten a response. The inquiries in question are ; XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ),  XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: NC
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 have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: I.Q. DATA INTERNATIONAL, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I lived in the XXXX at XXXX XXXX XXXX back in 2014. There were some issues at this property and I had requested to move before the lease ended. I was advised to pay the lease breaking fee of {$1800.00} and will forfeit my security deposit. I had provided 2 money orders totaling that amount and once I had a walk thru with the property manager and they determined that I have a {$0.00} balance. I have Section 8 and you are not able to move from a property unless you have a {$0.00} balance. As you may know, I still have Section 8. A few years from when I moved from there, I saw on my credit report a balance of {$340.00} and later it increased to {$440.00}. I called the complained on BBB and the management property stated that I owed that money for repairs that were needed. There were no repairs needed when I moved out, which was the purpose of having a move out inspection. I checked in the state of Illinois and the state of Colorado and saw that the collection company IQ Data International IN does not have a license to collect in either state. Please help me to resolve this matter and remove from all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: Ad Astra Recovery Services Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
AD ADSTRA RECOVERY SERVICE ( XXXX XXXX ) I DONT RECALL HAVING ANY PAYDAY LOANS WITH THIS COMPANY I HAVE FILED A COMPLANT WITH THE BBB AND EVEN CONTACTED THE COMPANY. YHAT ARE INSEASTING THAT I OWE THE A BLANCE OF XXXX $ when I 've never taken out a payday loan with the company. I did take out a title loan which was paid in full because I received the title and later re sold that suv

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I tried to withdraw the amount of XXXXEUR from my account at Coinbase on XXXX XXXX. They sent me an email mentioning that the withdrawal was initiated and the money would be appearing in my bank account by XXXX XXXX ( plus extra 2-3 working days maximum for my bank to process the deposit ). However, nothing has appeared on my bank account so far. I 've lodged couple of support requests to solve this ( one made on XXXX XXXX, other on XXXX XXXX ), and tried to contact them through their XXXX account starting on XXXX XXXX, yet had I received no answer from both channels. All the dates/time mentioned above are in central european summertime.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
re : my mortgage with XXXX XXXX XXXX loan no XXXX. re : my previous complain. XXXX XXXX forget to apply one of my payment of the payment plan i have with them to avoid foreclosure. See letter dated XX/XX/17.they never wrote me or call me to ask me about this missing payment So on XX/XX/XXXX they said there will be no modification of the loan. then i show them proof they did a mistake and then they approve the modification. see letter dated XX/XX/XXXX. in the meantime they have put me in foreclosure. They said after their mistake i was out of foreclosure. Thankfully my house is sold and mortgage paid off ... but when i tried to rent an apartment last week they refused me as foreclosure was recorded on my credit report.Very embarrassing especially when you did not do anything wrong.

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 2017-08-21
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX is trying to collect {$440.00} for a physicians bill I am not responsible for. The bill is dated XX/XX/XXXX. XXXX account number is XXXX. This is the same item that I disputed and filed a complaint in XX/XX/XXXX Re : CFSB Complaint # XXXX ... Commonwealth Financial Systems. I sent an email to XXXX XXXX on XX/XX/XXXX outining my dispute and followed up with a phone call today XX/XX/XXXX with an employee named XXXX. I repeated my position with her. She then tried to offer me a discount, I repeated I was not responsible for this bill and that was the extent of the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
I use my debit card so I do not have to reconcile checks. I transferred money to another account after seeing that there was plenty of money in the bank and the account still went negative. After I made the transfer there was over a thousand dollars on the bank. But it still went negative. I explained this to the supervisor and they still refused to refund the fee!

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 monetary relief
Consumer complaint received 2018-06-03
Company: HW Holding, Inc
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2018, XXXX XXXX was removed from my credit bureau. I contacted the company to notify them that this should not be on my credit report. I told corporate that I signed a release form which removed me from the apartments lease. They didnt have any of my information on file. Now they are reporting AGAIN on my credit report. This is not my debt. I signed to be released from the lease.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: AZ
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 my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX : - ; XXXX XXXX XXXX : - ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX, IL XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Metro Collection Service Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My husband and I lived in an apartment that became to expensive to live in once my husband lost his job. We had never signed a lease to stay at the property listed and were just staying month to month. When we found out that we could n't afford to live there anymore we were notified we could n't stay and we moved out within the designated period. We have since had a XXXX dollar collection put on our credit reports with two of the three bureaus. We do n't owe that money because we were not in the place long enough to have that amount accrue and because we never signed a lease in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: BTH Management
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or misleading advertising or marketing

Complaint:
I was not aware that I owed this company this much..Its been years & Ive been thru a divorce so Im trying to get all my past due bills took care of ... And this company XXXX XXXX XXXX would not work with me so they turned it over to collection agency called Plaza Services & the opening date says XXXX-XXXX-16 so Im lost with that date cause I have not took any money from any company but one in years..The amount its stating I owe is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This complaint is in regards to a tradeline being reported on my TransUnion credit report as XXXX XXXX. Per the Florida Attorney Generals Office, this loan is in violation of the The Florida Consumer Finance Act, which prohibits a lender, regardless of their location to offer loan products to residents of Florida without holding a state issued license to do so. According to the Florida Office of Financial Regulation 's Division of Consumer Finance, XXXX XXXX does not hold the required legal license to provide loans in the state thereby making this tradeline invalid by law. Continued reporting of an invalid account is a direct violation of the Fair Credit Reporting Act. I have disputed this tradeline repeatedly with Transunion only for them to send an e-validation to the lender to confirm my name and address, never investigating the validity of the alleged loan with the appropriate agencies as I have outlined above. This invalid tradeline is being reported illegally by an unlicensed lender and Transunion continues to refuse to effectively investigate this fact, willfully disregarding FCRA requirements. I am again requesting CFPB assistance in enforcing federal law and having this illegal tradeline removed from my TransUnion credit report. XXXX XXXX is an online Tribal lender who is not licensed to provide loans in FL. They are illegally reporting this invalid account in an attempt to extort payment from me and TransUnion refuses to perform a simple validation with the appropriate agencies that would confirm this fact. I demand that TransUnion either permanently remove this item from my credit report, or provide evidence that they have validated this lender 's legal ability to enforce this alleged account and it 's reporting.

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 2017-08-22
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 has allowed an unauthorized inquiry to be placed on my credit report and I 've disputed it twice, with no assistance. On XX/XX/XXXX and XX/XX/XXXX, I disputed an unauthorized inquiry from a company called XXXX XXXX XXXX. It 's a company I have no knowledge of. My disputes were received in letter form.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account Name : XXXX  XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX # XXXX, Account Name : Dept of Ed/XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX XXXX Account XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX Co. # XXXX, Account Name XXXX XXXX XXXX XXXX Acce # XXXX, Account Name : XXXX # XXXX, Account Name XXXX XXXX XXXX Service # XXXX 15 U.S.C. 1681 section 602 A. States I have right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-08-22
Company: Credit Protection Association, L.P.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a collection notice from Credit Protection Association L.P. of XXXX Texas with no knowledge of who the bill is for or from except the name XXXX of XXXX New Mexico. This seems to be some sort of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: MD
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 was subjected to a cyber hack, and while this was not their fault, they waited over 90 days to report the breach to the consumers and all that were affected. During this time period, it 's unknown how many people were affected and credits destroyed by possible identity theft.

Company response to consumer: Closed with explanation