BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: LA
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:
Recently I checked my credit report and noticed multiple billing errors still being reported after disputing the inaccuracies with Equifax. On XX/XX/XXXX I submitted a dispute to Equifax certified mail regarding late payments on my XXXX  loan accounts. The inaccurate accounts were updated paid as agreed/Never late and the inaccurate comments where deleted but still aren't you supposed to ensure that everything is reporting accurately? The account history on these accounts still shows 120 days late for XX/XX/XXXX with a status code of XXXX in the new credit report I have received. I requested that ALL inaccurate payment history be deleted not just some of it. There should be no late payments on these accounts when I did not have a payment plan to begin with. I was on an {$0.00} IDR deferred repayment plan so this is clearly a billing error. Equifax is reporting that I paid 120 days late in XX/XX/XXXX without reporting late payments in the previous months. How is this even true because I can't be 120 days late without first being 30, 60, and 90 days late in the previous months. These accounts do not meet the FCRA requirements and I want my report immediately updated to paid as agreed/Never late and to please delete the inaccurate comments along with ANY late payment marks/remarks on my credit report for these accounts. Equifax also did not produce a dispute report at the end of the dispute so I can have a copy for my records. The items below immediately need to be updated to paid as agreed/Never late on my credit report and Equifax to immediately delete ANY late payment marks/remarks and the inaccurate comments from the accounts. # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi Experian, My name is XXXX XXXX. I sent you a letter regarding some inaccuracies in my report on XX/XX/2022 and I was expecting to get a response from you after 30 days. Unfortunately, it's been over 35 days already but I still haven't got any response from you so I am expecting the deletion of the negative items since you can not provide me a good response. I will make a follow-up after 30days regarding this matter.

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 2022-01-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian has reported incorrect names and address on my credit report. I also requested a copy of my Consumer File. NOT 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 non-monetary relief
Consumer complaint received 2017-09-09
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:
Today, XXXX XXXX, 2017 I became aware of the recent Equifax Security Breach. My identify appears to be affected by this breach based on checking www.equifaxsecurity2017.com though I did not sign up for their service. This is distressing and unacceptable as my information was divulged without my consent and opens me up to potential security risks such as identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax potential impact check has informed me that I may have been one of the affected personnel from the credit reporting breach of 2017. Was informed around XX/XX/XXXX, the breach apparently occurred several months prior : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' Can not get confirmation one way or another that if I enroll in XXXX XXXX, that I would opt-out of any arbitration rights due to this breach. 

Applied for 90 day monitoring through Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I received an email from Coinbase advising me that my account had participated in " unauthorized transactions, '' and that they were forcing my account to close. I was directed to transfer funds away from my Coinbase account. I transferred BTC and ETH balances, but the USD balance is unable to be transferred because I have n't added a bank account to my profile. The system will not allow me to add a bank account because it is forcing the closure. I have submitted a ticket with Coinbase ( a month  ago, with no response ), and the automated system for " self-help '' does not address this issue. I have USD sitting in this account which they will not release to me, or even acknowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Focus Holding Company
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit report showed this company had placed my 'account ' in collection status. I was never notified of any letters/documents that pertained to this 'owed amount '. Below is what appeared on my credit report. 


Collection Accounts Collection Accounts Accounts in collection status FOCUS MGMT  Condition : Open Date Opened XXXX Balance {$190.00} Type : unknown Pay Status : Collection/Chargeoff

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, 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:
There is a message on each Bureau " extended alert '' consumer has requested an alert be place on my credit file, do not extend credit without first contacting me personally and verifying information. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. 

see attachments I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Greenlink Financial, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Was sent an unsolicited mailer for a loan for debt consolidation, I contacted the company for the " pre-approved loan '' on XX/XX/2019 and when contacted the " pre-approved loan '' was denied due to income to debt ration ( this was a debt consolidation loan ) then they immediately tried to sell me on a debt relief program from their " parent company '' XXXX XXXX. When I asked for the terms to be sent to me for review " XXXX '' the " Director of Underwriiting ''  said they do not do that. Now I am no lawyer but if you are asking someone to enter into a contract, which this is, you are REQUIRED to provide written documentation, ie terms of service, terms of contract ETC.. When I asked XXXX, his response was along the lines you either listen and agree to them or we dont do business. Now if this is a financial contract those terms MUST be  made available in writing for my review and the review of legal counsel if I so choose. Yet that was denied to me due to the fact their " policy '' doesnt allow it. 

Also I am curious as to how they new my payment amounts and current debt level BEFORE I contacted them as seen on the unsolicited mailer they sent.. To my understanding that information is not public and if sold to them or pulled by them with out my permission is illegal as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: Byrider Franchising, LLC
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: Account status incorrect

Complaint:
I visited XXXX XXXX XXXX & got a loan through XXXX for a vehicle in XXXX. In XX/XX/XXXX I totaled the vehicle & my insurance company paid out XXXX. This is currently showing on my credit as being reported late with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX XXXX, 2017, Equifax disclosed my personal information as part of a data breach. 

According to Equifax most of the consumer information breached includes names, Social Security numbers, birth dates, addresses, and in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 consumers and certain dispute documents, which included personal identifying information, for approximately 182,000 consumers were accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo had reported me to XXXX XXXX XXXX XXXX years ago because of numerous overdraft fees. I told them to close my account because there was an unauthorized transaction that came through and the bank knew I didnt have the money. They have also violated federal laws in issuing these fees. I had signed the agreement that stated not to overdraft my 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 2022-02-08
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: Account information incorrect

Complaint:
Experian is continuing to report " late '' " past due '' payments for XXXX  account. XXXX XXXX XXXX are reporting " pays as agreed/never late '' which is accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: 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:
I was unfortunately one of the ~143 million accounts affected by Equifax 's data leak that occurred in XXXX XXXX  2017. I obtained this info by verifying via the Equifax site set up for this ( https : //www.equifaxsecurity2017.com ).  Without knowing for certainty the extent of information leaked, I assume that my SSN, DL, DOB, address, credit card info and more were leaked and obtained by third-parties for fraudulent use. 

The manner in which Equifax has handled the situation - especially the creation of a non-arbitration clause to a meager 1-year identity theft service they administer, is shameful and nefarious.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Amsher Collection Services, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed bankruptcy in XXXX. Case number : XXXX. I included this creditor as part of my bankruptcy petition. At that time, they were known as XXXX. I believe they have since been renamed charter communications. They retained a collection agency, Amsher Collection Services , Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX, to collect the {$230.00} debt that I had discharged in my bankruptcy. They have given me XXXX days to respond to them, or else I risk something being placed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My information was stolen in the Equifax breach, leaving my social security number and other PII available for hackers to sell and use maliciously. I want compensation for the risk that this has brought me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Experian Information Solutions Inc.
State: MN
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:
The following accounts and credit inquiries listed on my XXXX XXXX, Experian and XXXX   credit report are all fraudulent accounts and credit inquiries, and are not my accounts or credit inquiries : XXXX XXXX XXXX, {$8000.00}, XXXX XXXX XXXX, {$430.00}, XXXX XXXX, XX/XX/XXXX, and XXXX XXXX, XX/XX/XXXX. I been receiving harassing, threatening and annoying phone calls of abusive and profane language, threats of legal action, arrest, jail, prison, harm, violence and death, from XXXX XXXX XXXX and XXXX XXXX XXXX Call Center Representatives and Debt Collectors, which is an egregious, illegal and a violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.

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 2022-02-08
Company: Cascade Capital, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection letter from Cascade Capital Funding , LLC in XXXX of XXXX dated XX/XX/XXXX for my visit to XXXXXXXX XXXX Hospital on XX/XX/XXXX in the amount of {$1700.00}. 
My health insurance was with XXXX XXXX at that time. I contacted XXXX XXXX and was provided the following information for that date of service. The amount was {$1300.00} not {$1700.00}. The contracted amount with XXXXXXXX XXXX  Hospital was for {$120.00}, the amount paid by XXXX was {$120.00} and the patient 's amount to paid by me ( the patient ) was {$0.00}. 

Additionally, I believe this is a fraudulent attempt to collect on the behave of XXXXXXXX XXXX Hospital, ( who has been closed for nearly a year to date ). I never received a billed from XXXXXXXX XXXX  Hospital prior to its closing for any of its services, since did have insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I tried to pay my bill and was told that they close my account. I was not given any pre notification to allow me to work out any arrangements before they close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Recently I checked my credit report and noticed multiple billing errors still being reported after disputing the inaccuracies with TransUnion of student loan late payments. On XX/XX/XXXX I submitted a certified mailed dispute to TransUnion regarding these late payments on my student loan accounts and still have not heard nothing back from TransUnion concerning the matter that I had to give them a phone call XX/XX/XXXX. Aren't they supposed to ensure that everything is reporting accurately? As I know the creditor did not notify me XXXX days beforehand with a statement so there should be no late payments on these accounts when I did not have a payment plan to begin with. I demand to see hard solid proof from the creditor bank account that I did not pay and was marked late on these accounts that was on an {$0.00} XXXX deferred repayment plan because this is clearly a billing error. TransUnion is reporting that I paid XXXX days late in XX/XX/XXXX without reporting late payments in the previous months that are marked OK clearly another billing error. How is this even true because I can't be XXXX days late without first being XXXX and XXXX days late in the previous months. These accounts do not meet the FCRA requirements and I want my report immediately updated to paid as agreed/Never late and to please delete ALL inaccurate late payment marks/remarks in XX/XX/XXXX boxes along with ANY inaccurate comments on my credit report for these accounts. The items below should all be updated to paid as agreed/Never late on my report. Immediately delete ALL late payment marks/remarks associated with these accounts and the inaccurate comments. # 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 2022-02-08
Company: EQUIFAX, INC.
State: PA
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:
Across the three credit bureaus they have been neglectfully holding information against me all the while not reporting back to me as it has been more than 30 days since I reached out regarding my credit report about accounts due to identity theft. My identity was compromised a few years ago as I was left defenseless to end the attacks and figure out who was opening accounts in my name, making unauthorized purchases and by the time I found help to lock my reports it was already too late. I completed the information required such as an FTC complaint and so forth as well as added fraud alerts however equifax, and XXXX along with XXXX have neglected to investigate my concerns as you will see on the attached documentation breaking FCRA rules and regulations all the while keeping me in the dark. There are dozens of fraudulent accounts across 3 bureaus stuck on my report in which I am reaching out to the cfpb to help me with this as these bureaus are purposely leaving fraudulent information and inaccurate information on my report. They also said I failed to provide information however, I have sent in all the information months ago as you can see on the documentation I will have uploaded providing everything I sent to them. This needs to stop after this my last resort is pursuing legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had a loan with XXXX and even after I lost my job as of XX/XX/XXXX and still was making my payments on time to them and there were no late payments during this time at all even though they reported me late several times and still are with regards to my 3 credit reports. 

The vehicle was totaled as of XX/XX/XXXX and XXXX received a payment from XXXX XXXX XXXX in the amount of {$16.00}, XXXX. The balance on my credit reports needs to be updated to reflect {$0.00} ASAP along with all the points returned to me that I lost as a result of the derogatory info. being reported and affecting me negatively. 

XXXX is also currently under investigation with NCUA regarding this matter as well and I have not heard anything from XXXX regarding this matter or the check that was received as a result of this matter the case number 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