BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-10
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:
I SENT THE INVESTIGATION LETTER ON XX/XX/2022 INACCURATE AMOUNT. ACCOUNT NUMBERS XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX AND XXXX # XXXX XXXX XXXX5 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

I WAS NOT NOTIFIED OF IT IN THE FIVE DAYS. VIOLATION ( 5 )
Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and

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 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion is blocking me from obtaining my annual free credit report.I have tried many times to access, but I keep getting the message " Your report is not available online ''. Every time I call TransUnion to have this issue fix i can not speak with someone without my report number, a number I don't have because they won't let me access my report. i have a right to have my report, TransUnion should be held responsible for everyday they deny me that right.

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: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Equifax Security Breach : I 'm very concerned that the most secure data I own was given up by a company I 've never done business with and have not control over. The implications of this breach are enormous for my family and for our nation considering half the population was impacted. I think the Federal Government needs to step in to protect the U.S. citizens on this security threat. We ca n't wait and need to do something now. This should have just as high priority as the funding for Hurricane victims. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Experian Information Solutions 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:
I SENT THE INVESTIGATION LETTER ON XX/XX/2022 INACCURATE AMOUNT. ACCOUNT NUMBERS XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX EXPERIAN AND XXXX # XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

I WAS NOT NOTIFIED OF IT IN THE FIVE DAYS. VIOLATION ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and

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 2022-07-10
Company: EQUIFAX, INC.
State: IN
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:
On XX/XX/2021 I requested a payoff for my mortgage, with XXXXXXXX XXXX, due to refinancing. I received a payoff quote for {$70000.00}, good through XX/XX/XXXX. Payoff for the quoted amount was sent to mortgage company on XX/XX/2021, however was not applied to the loan until XX/XX/XXXX. This has left me with a derogatory mark on my credit report, showing that I was 30 days past due. I have previously sent in a credit dispute with XXXX and the have not updated the payment status. I have attached the payoff quote as well as payment history for the loan.

Company response to consumer: Closed with explanation
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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: LA
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 hit by a cyber attack that may have compromised up to 143 million Americans. I checked the Equifax website tool and it states I may have been affected. To determine the extent of how much I may have been affected, Equifax requires that I waive my right to sue. I find this unacceptable. I do not want to waive any of my rights for remuneration for potential damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hello, I am currently unable to withdraw any of my XXXX currency from XXXX. 
One of the requirements for Coinbase to allow withdrawals from it 's site is to 'verify ' your account, by depositing an amount they specify in their FAQ. I completed this deposit 2 months ago, however the website did not 'verify ' my account. 
On XXXX XXXX, I opened a support ticket with Coinbase regarding this ( see attached ). They verified that the deposits had been received ( as can be seen in the attached email ). My last communication with the company was over a month ago ( XXXX XXXX XXXX, with further emails from me being ignored. 
Please could you assist with the validation of my account, in order to allow me to make withdrawals via the Coinbase website. 

Kind Regards, XXXX XXXX

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:
Between XXXX XXXX and XXXX XXXX, Equifax was hacked and a large number of accounts were released to those hackers. After using Equifax 's website to see if I was affected, the Equifax website declared that I most likely was included in the hack. I 'm posting a complaint against Equifax for this hack and the delay in which they alerted people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CO
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 had a security breach wherein information was stolen, which could include SSN, names, birthdates, addresses and possibly DL numbers as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Experian Information Solutions Inc.
State: TX
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 have supplied Experian Credit Reporting copies of my identity. including government issued photo identification, social security card and a copy pf my police report. Additionally, a copy of my FTC fraud report. My request has been for Experian to complete a thorough investigation from " XXXX XXXX. In which, is a fraudulent account reporting into my credit profile. I have asked XXXX  to investigate for validation method not Verification. Experian has accepted a bill from XXXX XXXX rather then validation of my identity. Considering, I am a victim of identity theft, I have requested for XXXX XXXX to supply myself as well as Experian copies of my social security card, contract signed by myself, photo ID. XXXX XXXX has only submitted a billing statement. Experian continues to report fraudulent, incorrect activity into my credit profile. I would like for further investigation to be completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
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: Investigation took more than 30 days

Complaint:
To whom it May Concern, I am in need of your assistance. I have been trying to get inaccurate information that is showing on my credit file removed. Here are the items that is inaccurately reporting or is not mine. 

The accounts below are not mine : 1. XXXX XXXX - XXXX XXXX showing on XXXX and XXXX 2. XXXX XXXX - XXXX that is showing on XXXX and Equifax 3. Bankruptcy XXXX that was filed in XX/XX/XXXX The below accounts is inaccurately reporting late : 1. XXXX XXXX XXXX I was never 30 days late in XX/XX/XXXX ; XXXX, XXXX, and Equifax is reporting inaccurate lates 2. XXXX XXXX - I was never 30 days late in XX/XX/XXXX ; XXXX, XXXX, and Equifax is reporting inaccurate lates 3. XXXX  - I was never 30 days late in XX/XX/XXXX ; Equifax is reporting inaccurate lates 4. XXXX XXXX - I was never 30 or 60 days late in XX/XX/XXXX through XX/XX/XXXX ; XXXX XXXX XXXX XXXX and Equifax is reporting inaccurate lates 5. XXXX XXXX - I was never 30 or 60 days late in XX/XX/XXXX through XX/XX/XXXX ; XXXX, XXXX, and Equifax is reporting inaccurate lates The following address information is not mine : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX

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

Complaint:
The Equifax website contained a form to apply for a credit freeze. Yesterday, I submitted this form twice and got no response. Today, they stopped taking credit freeze requests. 

Please nail Equifax for the hack of their credit reporting system. Prosecute both Equifax and their CEO to the full extent of the law, and advocate for tougher laws that will hold these lax companies and their CEOs criminally liable for the adverse effects of hacks, including prison time for CEOs. 

Please augment your website to receive public comments about the Equifax hack. This is a golden opportunity for the CFPB to gain widespread public support -- IF you can provide effective relief from ID theft that Equifax enabled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX XXXX is showing up on Equifax and XXXX twice reporting 149 to 180 days past due when the account shouldve been in deferment. I had filed for deferment for six months and while I was on deferment they were reporting payments as being missed. I had them backdate my deferment and the Representative did not backdate payment. 

So I have two XXXX XXXX that need to be updated or removed from Equifax and XXXX. They need to updated the account as current or just remove it since it's from XXXX They also sent me to collections with US Department of ED/XXXX while I was in deferment or I thought I was supposed to be per their agent over the phone. The collection account is showing twice on my XXXX report called US Department of EDXXXX and XXXXhat needs to be update or remove all together Thats what caused this issue I'm having. I also filed another six-month extension on my deferment And since the last one was backdated I did not need to backdate Second deferment of my payments. Next thing I know Im being sent to collections to the XXXX XXXX XXXX XXXX XXXX. I have worked with a company and gotten most of these taken off my report but there is one in 2 XXXX XXXX and one XXXX XXXX that was paid on time. All three accounts are closed however two of the accounts are showing 149 to 180 days past due that need to be removed. Since it was in for XXXX that information is incorrect and should be removed and updated with never late/current/closed account The date that this was closed was XX/XX/2016 for both accounts. For my XXXX and Equifax Report the exact same thing is happening however on XXXX and Equifax there is only one past due account. The bank fix the other one when I disputed the account. 

There's only 2 one accounts. 1 one of them says current and the other 1 one says 149 to 180 days past due. This is the one that was closed in XX/XX/2016. Since the account was in deferment and the payments were backdated there should be no missed payments. And the status of the account should say never late/current/closed account. I did a total total of 12 deferred payments and 10 of those were backdated. For XXXX neither account shows up on this report because I had them dispute it off and the bank removed them. I dont know why the bank hasnt removed all of them from all of my reports but every time I dispute the ones on XXXX and Equifax they tell me everything is correct now. However on XXXX there are two accounts that have the student loan company put two collection accounts on my XXXX report which needs to be update to current or just deleted all together its called US Department of EDXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX DOB XXXX SSN XXXX Submitted request to remove incorrect data from my credit report as of XX/XX/2021 and got no update from credit reporting company. 

XXXX  XXXX Act # XXXX This account is inaccurate. Please remove. 
XXXX XXXX This account is incorrect. Please remove. 
XXXX XXXX XXXX This account is inaccurate and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on PORTFOLIO RECOVERY. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

PORTFOLIO RECOV ASSOC ( original creditor : XXXX XXXX XXXX ) XXXX Balance {$1600.00} ; PORTFOLIO RECOV ASSOC ( original creditor : XXXX XXXX ) XXXX Balance {$1300.00} ; PORTFOLIO RECOV ASSOC ( original creditor : XXXX XXXX ) XXXX Balance {$870.00} ; PORTFOLIO RECOVERY A ( original creditor : XXXX XXXX ) XXXX  Balance {$1300.00} ; PORTFOLIO RECOVERY A ( original creditor : XXXXXXXX XXXX ) XXXX  Balance {$870.00} ; PORTFOLIO RECOVERY A ( original creditor : XXXX XXXX XXXX ) XXXX  Balance {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10
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 status incorrect

Complaint:
XXXX XXXX is showing up on XXXX and Experian twice reporting 149 to 180 days past due when the account shouldve been in deferment. I had filed for deferment for six months and while I was on deferment they were reporting payments as being missed. I had them backdate my deferment and the Representative did not backdate payment. 

So I have two XXXX XXXX  that need to be updated or removed from XXXX and Experian. They need to updated the account as current or just remove it since it's from XXXX. They also sent me to collections with US Department of EDXXXX while I was in deferment or I thought I was supposed to be per their agent over the phone. The collection account is showing twice on my Experian report called US Department of EDXXXX and that needs to be update or remove all together Thats what caused this issue I'm having. I also filed another six-month extension on my deferment And since the last one was backdated I did not need to backdate Second deferment of my payments. Next thing I know Im being sent to collections to the XXXX XXXX XXXX XXXX XXXX. I have worked with a company and gotten most of these taken off my report but there is one in 2 XXXX XXXX and one XXXX XXXX that was paid on time. All three accounts are closed however two of the accounts are showing 149 to 180 days past due that need to be removed. Since it was in for XXXX that information is incorrect and should be removed and updated with never late/current/closed account The date that this was closed was XX/XX/2016 for both accounts. For my Experian and XXXX Report the exact same thing is happening however on Experian and XXXX there is only one past due account. The bank fix the other one when I disputed the account. 

There's only 2 one accounts. 1 one of them says current and the other 1 one says 149 to 180 days past due. This is the one that was closed in XX/XX/2016. Since the account was in deferment and the payments were backdated there should be no missed payments. And the status of the account should say never late/current/closed account. I did a total total of 12 deferred payments and 10 of those were backdated. For Experian neither account shows up on this report because I had them dispute it off and the bank removed them. I dont know why the bank hasnt removed all of them from all of my reports but every time I dispute the ones on Experian and XXXX they tell me everything is correct now. However on Experian there are two accounts that have the student loan company put two collection accounts on my Experian report which needs to be update to current or just deleted all together its called US Department of EDXXXX

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 2020-06-08
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Said my bank made a change to my account in verification. I need a loan and to go through the auto verification and now it is postponed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Mailed {$50.00} check payment to AAA XXXX XXXX managed by Bank of America XXXX on XXXX XXXX, XXXX. Not sent to XXXX XXXX XXXX XXXX XXXX area. 
Card is interest free until XXXX. Company is denying receipt as of today, threatening late charges, threatening to end interest free promotion. 

PS All other bills sent out same day and location were received and/or cashed by other companies ( eg., XXXX XXXX XXXX on or before 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 monetary relief
Consumer complaint received 2017-09-09
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:
I am a potential victim of the Equifax data security breach and I would like to make sure measures are put in place to tighten cyber security.

Company response to consumer: Closed with explanation