BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-25
Company: IQOR US INC
State: OK
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 recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reported inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. I have submitted letters to XXXX, XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX stating the inaccuracies on my credit report. Account Name : XXXX  XXXX Account XXXX : XXXX 1. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. After you have finished my request, please send me a copy of my credit report reflecting these changes. 2. The date of last activity you are reporting for the below accounts dont match my records. 3. I am confused as to why they are reporting the account balance as {$1500.00} when the high credit limit was {$1200.00}. I have sent two complaints XXXX and XXXX. The complaints that not only sent inaccurate information ( which violates the FDCPA ) but also exposed another consumers personal identifiable information by XXXX XXXX, Supervisor Complaint Management and Quality Assurance, at XXXX or XXXX. XXXX XXXX is the data furnishers of this account therefore they are responsible for information that is reported to the bureaus despite what was said in the attached complaint. Please see attachments. I have also made a complaints with XXXX  andFederal Trade Commission due to the of negligence of this company.

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 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company 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:
On XX/XX/XXXX, 2017, I found out that my personal information was compromised due to a data breach that affected Equifax over a month ago. Since then, I have been taking precautions, one of which is to freeze my credit. It is ridiculous that a company which I never interacted with is affecting me financially and that I have to pay for every credit bureau in order to protect my credit. In addition to this, to be able to check whether my information was compromised, I had to complete an arbitration clause that excuses accountability from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Truist Bank froze my account won't give me my funds, and has given me no solution on how to get my funds! I don't care if they close my account however THEY NEED to give me my funds asap!

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 2022-07-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: APEX Asset Management, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please tell me who I can contact to pursue XXXX XXXX health group legally. I have been going to this office for years and I have always had my wellness visit covered at XXXX XXXX. My last visit I did not see my normal doctor I saw his nurse practitioner who instead of billing my wellness visit as such she decided to bill it as excessive bleeding which I did not have excessive bleeding at all. I just went in for my normal ob/gyn visit. The nurse practitioner asked me why I still had my monthly cycle at my age and I told her that I guess it is not my time for it to stop. She suggested an ultrasound and I asked why when My doctor already ran all pertinent test XXXX years ago and everything was okay she said it was just to be safe. She never told me it would not be covered and no one from their office ever told me it would not be covered or billed as my wellness visit. Months go by and I get something on my credit from an agency trying to collect on a medical bill that I was not aware of I contacted The billing dept at XXXX XXXX XXXX and they apologized and told me it was an error. They even sent me emails showing this was to be removed from the agency and reviled as my wellness visit. XXXX XXXX XXXX handles their billing and refused to adhere to the doctors request and the billing teams request to remove this from my credit report and bill it correctly. They are in violation and I have the emails to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: PA
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, XX/XX/2017, I used Equifax 's tool at https : //www.equifaxsecurity2017.com/potential-impact/ to determine if my account was affected by the recent security breach and was informed that my personal information may have been compromised. As of now no fraudulent activity has taken place, but that does not mean my information has not been taken by an outside party. This was made possible by Equifax mishandling user 's data and thus putting millions of people at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have always made my due payments on or ahead of time. I had fees on the account that I did not understand and called UAS, the loan servicer. After multiple attempts of holding and them dropping the call mid conversation I was unable to resolve the issue. 
I went online to make my minimum payement, but the website would not process my payement. I called again to speak to customer service and they did the same thing, on hold for twenty or so minutes and once I got connected the rep dropped the call. 

They reported me for 30 days delayed payement and ruined my credit score. I paid the amount due and they still have not wiped the incorrect reporting off my credit report, for something that it their own fault. I still have not been able to understand the charges that I was worried about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XX/XX/2022 tried again to get TransUnion credit report was informed that it was frozen due to incorrect input. It was reset password was provided. I was able to use temp password and changed password. When I logged in, I see my name no file number or credit report. I do a live chat with XXXX who states theres a report with all my info. I ascertained that Im in the correct website, confirmed by XXXX eservice.TransUnion.com and nothing. Now it will not enter site at all. So I had to call to annual credit report via telephone to get a written paper format of my report. Only TransUnion is giving me problems. XXXX and XXXX are on point.

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:
After checking with Equifax I was notified that my information is in the bank of information was hacked it said that my specific account information was taken including SSN etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: UT
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:
The terms of service in Equifax 's updated procedure after their recent hack allows them to share your information without my consent. I am on the list of potential victims for this large breach of information, and seek restitution if my information is compromised or my credit score is directly affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
To whom it may concern : Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly ; who verified these accounts? 
I request for the third time that you provide the method of verification you used. Your response should provide : The name of the original creditor The address and phone number of the original creditor The name of the person at Transunion who verified the dispute with the original creditor You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
XXXXXXXX XXXX XXXXXXXX

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 2017-09-09
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/XXXX, Equifax notified me that personal information including my SSN and credit report had likely been leaked as part of a cyberattack. They informed that I am now at risk for identity theft and fraud. This is information that I never directly gave to Equifax, so it is especially egregious that they allowed my information to be shared with the unknown cyberattackers. Equifax 's proposed resolution was to offer me a year subscription to an identity theft monitoring service, subject to the acceptance extensive terms that limit my options for legal recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: West Realm Shires Services Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Over two years ago I put money into FTX.US, a crypto exchange site. 

The amount put in was {$10000.00}. 

Some money was put into bitcoins, etc. 

Over {$9000.00} remained in their interest-bearing money market that exceeded the yield elsewhere. 

It had additional security through the 'XXXX XXXXXXXX ' app. 

The app ( XXXX ) stopped working and I immediately notified FTX.US about one hundred times or more. 

These communications were through their site only. No other way to make contact. 

Two years, or more, later I still can not access my account, nor do I know if my XXXX money is gone or if my crypto is gone. 

Please, investigate this. This money is most important to me now. 

Thank you very much, XXXX XXXX

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

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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:
On XX/XX/2017 I was informed of an equifax security breach. It was stated that " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from XXXX through XXXX of this year. '' After following the steps to find out if I was one of those affected, I set about trying to prevent the theft of my identity. Without my given consent, Equifax allowed my information to be taken and made public.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have called the company and made disputes and the information remains unchanged. My credit is set at over 101 % on my credit report and the information is false. My balance in up to date and has been. They reported the balance on XX/XX/2021 and the balance is incorrect. I have been disputing for a month and calling the company and I have received no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Blackhawk Network Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was given a gift card XX/XX/XXXX of which I lost. I called the company and told them it was for {$50.00} and that I had spent {$21.00} of that XXXX, and there was a balance of {$29.00} on the card. they sent me a new card I had to wait for over a month I was the {$29.00} was still locked, and I could not us the new card. They told me they they didnt know how to unlock it and they promised to send me a check for XXXX dollars that I should have gotten by XX/XX/XXXX. The case number is XXXX XXXX by XXXX on XXXX 
I called to today, and XXXX told me I must wait another 21 business day. This is ridiculous, please help. I want my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone is trying to open a credit card under my name on XXXX and 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 2022-07-11
Company: Experian Information Solutions 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:
Experian is the problem. Georgia XXXX XXXX XXXX listed two accounts as charge-offs instead of discharged by bankruptcy, which is illegal. The credit union submitted corrections and while Experian has corrected those errors, today 's issue is that my credit score has not been increased as a result of those corrections. 

Experian vantage score reported through my XXXX Bank checking account is XXXX, while XXXX still shows the score on my credit report at XXXX. XXXX scores and FICO scores should be the same since release of XXXX XXXX and XXXX. After correcting and updating the charge offs to discharged by bankruptcy Experian increased my score by XXXX XXXX  point. My other credit bureaus are at XXXX and XXXX. The information on all three is the same. I need your help to get Experian to increase my score by XXXX points. I have gone back to Experian on this issue three times. Today, calling every toll free number Experian has I am not given the option to go to a live representative. I can not even reach them. Please help 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 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have sent multiple requests to get an update on my credit report from TransUnion, XXXX and XXXX and have yet received a response.

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 2017-07-12
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My  XXXX   XXXX   XXXX  is trying to open an account with Wells Fargo. When he presented his social security number, they were unable to give him online access to the account because his social security number is already in use with a customer of Wells Fargo in California. This is crazy, and cements to me that son 's credit identity has been stolen and is being used. Because he is minor, I have been unable to pull his credit report from  XXXX  of the  XXXX  major crediting agencies. And how is a  XXXX  in California using my UNDERAGE SON 'S CREDIT INFORMATION WITHOUT MY PARENTAL AUTHORIZATION?

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 2017-09-09
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 have apparently been impacted by the Equifax breach, which occurred between XXXX and XXXX, XXXX. I have applied for a 90 day fraud alert and am considering freezing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was part in a XXXX internet scam. 

Funds were sent via the Coinbase crypto exchange to a wallet/address that was participating in a fraudulent activity. 

Per my basic understanding, it is Coinbase responsibility to verify the receiving wallet/assess is not participating in fraud, money laundering, XXXX activity etc. 

With a multi level process for this determination, I believe Coinbase should have rejected the transaction and is in breezy of their responsibilities to me asa a customer of their exchange.

I contacted Coinbase and have not received a response.

Company response to consumer: Closed with explanation