BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-25
Company: EQUIFAX, INC.
State: IL
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:
CRA is erroneously reporting derogatory items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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: Information belongs to someone else

Complaint:
I noticed some accounts on my report I do not recognize

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: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX asked for contract and couldn't provide and didn't delete XX/XX/2021 XXXX asked for sign documents and couldn't provide and didn't delete XX/XX/2021 XXXX ask to be deleted because this isn't mines

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 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I was informed of the breech that occurred with the company Equifax. Today on XXXX XXXX, 2017 I entered my information and it stated that I may have been affected in the breech. I tried to do a freeze of my credit with Equifax and it stated I needed to pay {$10.00}. Pretty sure that I should not be liable to pay for anything related to their breech. I wanted to report them for this. If you can help in any way I would appreciate it. Not sure what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OH
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 puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
According to Equifax 's website, my information, including SSN, DoB, Address, etc., were stolen from the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: IN
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately XXXX. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation 4. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation 5. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation 6. Unverifiable no data information XXXX, XXXX Account Number : XXXX Delete account for failure to perform an investigation 7. Unverifiable no data information XXXX, XXXX Account Number : XXXX Delete account for failure to perform an investigation 8. Unverifiable no data information XXXX, XXXX Account Number : XXXX Delete account for failure to perform an investigation 9. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation

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 2021-08-27
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
L J ROSS ASSOCIATES at XXXX XXXX XXXX, XXXX, MI XXXX has been sending me collection notices in the amount of {$460.00}. The collection has been reported as past due. I do not know this company. I have never did any business with this company. This company does not have a contract with my signature.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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: Reporting company used your report improperly

Complaint:
Equifax mishandled my personal information. According to their website, equifaxsecurity2017.com I am listed as a potential victim. I would like a resolution to this breach of my security. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: DE
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 puts me and thousands of other people at risk. I also mentioned I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: MidAmerica Mortgage Inc
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Mid America Mortgage changes payment processing handlers. They did it again. Sent letter telling me they changed and to expect new account number in the mail. Nothing has come by mail, call number provided and you hang on for HOURS. XXXX Payment expected on the XXXX of XXXX. 

They change loan payment handlers frequently. Lost my escrow from XXXX XXXX several yrs ago when they changed hands. Apparently Mid America doesn't do audits. They shouldn't be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Yesterday which was XX/XX/XXXX of XXXX I got a notification from PayPal, they said they've temporarily limited my account and I need to provide some documents for them to review, I submitted all the documents they asked for, they did the review and didn't even reply to my mail, it was in the early morning which is XXXX of XX/XX/2022 that I logged in to my account to see if limits have been removed, that was when I saw that they've permanently limited my account, saying they'll hold my money for 180 days. Honestly I feel terrified because I don't know what I did that could result to my account limitation and request for explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
- '' Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. '' - '' Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' - '' Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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 leaked my personal data and credit information because they could n't be bothered to properly secure their web services. Millions of people were effected by this, and we are all at risk of having our identity stolen and fraud committed in our names. 

The fix Equifax has offered requires the victim to wave their legal rights to litigation. Equiifax deserves  every lawsuit coming to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: NJ
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:
Dear Sir or Madam, Thank you for taking the time out of your day to read this letter. My name is XXXX XXXX and I am requesting a goodwill adjustment to remove three closed accounts from my credit reports. 
Im writing this letter because back in XX/XX/XXXX, I was fired from my job due to my employer firing me because I brought up that they were miss paying me. I was a full-time employee working 40 hours each week, I got paid every 2 weeks, but my paychecks were only for one week of work. For two and a half years this was happening to me, I was getting missed paid. I brought this to their attention, and I was fired because of it. Before this happened, I never missed a Credit Card payment, my credit score was great and was saving for my future. 

When I lost my job I still needed to pay my bills and I got myself into debt {$11000.00} with three different accounts, ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX ) and ( XXXX XXXXXXXX XXXX ) I do understand that I could of handle the situation better and I do take full responsible but at this time was XXXX years old and was the sole provided for brother and sister who was living with me and still in high school. As soon as I was aware of my debt and I knew I couldnt handle it on my own anymore I enrolled in a debt relief program back in XXXX of XXXX, to help me get a grip on my payments. I completed the program as of XX/XX/XXXX never missing a payment, paid my debt back and got back in a good place with my creditors by opening a new credit card with XXXX XXXX ( XXXX ) back in XX/XX/XXXX and never missing a payment. I also was able to get an auto loan with XXXX XXXX ( XXXX ) back in XX/XX/XXXX and paid in full back by XX/XX/XXXX. 
I have tried everything to fix my credit, but it seems like I am stuck and must wait 7 to 10 years till they are removed from my report. I am almost XXXX now and trying to buy a home and start my own family but I keep running into issues because of my credit report and score. The negative impact of these accounts could result in a denial for a loan or a much higher interest rate that could cost me a significant amount of money. If you could make the goodwill adjustment requested by removing the three closed accounts from my report, I believe it will significantly improve my chances of approval and save me unnecessary costs in the process. 
Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OH
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 credit reporting agency, Equifax, has had a severe security breach to which I have " possibly '' been affected -- not a " yes '' and not a " no ''. While that sounds extremely vague, it is extremely unsettling. I 've heard that the security breach could have been as early as XX/XX/XXXX - XX/XX/XXXX, and it is only now becoming public knowledge here at the beginning of XX/XX/XXXX. I work very hard to pay my bills on time and to establish myself as a trust-worthy borrower. This company has my confidential information, and I am not pleased that their digital security is lacking enough to have had a breach. Not only is my personal information possibly in the hands of others whom should not have it, I also heard that their executives issued an impromptu stock/sharing sell-off prior to the public 's knowledge of this security breach. I 'm not an expert, but that sounds like insider trading to me. From what I hear, and if past occurrences are any indication of the precedent that has been set, this company and its executives will receive a " slap on the wrist '' while other hard working Americans could possibly have their lives ruined due to identity theft or other types of forgery at the carelessness of others. I 'm sure this is not going to be the first complaint against Equifax, or the last, but this is absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
Equifax has mishandled my information, as well as millions of others, putting myself at risk for identity theft. I am listed as a potential victim on their site, equifaxsecurity2017.com.
They did not notify anyone until months after the breach, and they are not contacting the people whose information was leaked, instead they require the victims to check if their information was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
Equifax was compromised. Instead of reaching out to those it believed were involved I had to investigate it myself to prevent potential usage of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: AXOS FINANCIAL, INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This complaint is about Axos bank I filed to liquidate my investment account with Axos bank and send the cash proceeds to me on XX/XX/2022. I was told this would be done within 5 to 7 business days. Ive called them four times now and they keep telling me itll be one or two days. I called them originally on the XXXX of XXXX, then on the XXXX XXXX XXXX, the XXXX XXXX XXXX and lastly on the XXXX. They told me the money is just sitting there and theres no reason why it cant be transferred. 
Since it has been a such a hassle with his bank I put in a transfer of all my funds in my savings account. To date theyve only send a portion of it and not the full amount. The portion that was sent was received by my bank on the XXXX. Why didnt they send the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: PINNACLE RECOVERY, INC.
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I contacted yesterday, XXXX XXXX XXXX, to settle this account which I am not refusing to pay, but they state they can not accept a payment plan. This account is affecting adversely my credit score and my intentions to purchase home. I am willing to establish a payment plan but they refuse and they threat me to foreclose on a time sharing property I have never used. They have incurred in high pressure and predatory tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Turning Point Solutions LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received this message today at XXXX XXXX Pacific time : This is a message is intended for my name is XXXX with XXXX XXXX contacting you regarding your file that was placed on my desk as a direct refusal to pay this is the last attempt to reach you and work with you on a voluntary basis you do have till XXXX XXXX Eastern time today to return the ________ event that I do not hear back from your power will be submitted out for XXXX further action XXXX I have no idea who this company is, what is that they are trying to collect, obviously I couldnt refuse to pay if I do not know what is the debt they are claiming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
this complain is for Binance.us exchange. I have made two SOL ( solana ) crypto transfer transactions from other wallet into my binance.us wallet account on the same day of XX/XX/2021. First transaction with the amount of XXXX SOL= {$250.00} ( with the price of {$65.00} per coin ) at that time, transfer from XXXX  wallet to binance.us wallet ( The transaction showed success ). Second transaction with the amount of XXXX SOL = {$1700.00} ( {$65.00} per coin ) at that time, transfer from mathwallet account to binance.us wallet ( also showed success on the transaction ). But then no crypto showing up on my binance.us account more than 3 days after the day i made the transfer so I submit a request through binance.us support service and got an email saying they forward my problem to their technical expert team and get them resolve asap! Now is more than a week since they sent me that email and no reply till now with any update on the problem. I have those two transaction submitted below. Please help me complain this to binance.us exchange and retrieved my missing crypto. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
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: Credit inquiries on your report that you don't recognize

Complaint:
I mailed of a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are reporting inaccurate personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Halstatt Search Partners
State: OH
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 financed a car through Redrock financial around XXXX or XXXX the car was deemed a total loss and I didn't have full coverage.Fast forward to XXXX and XXXX I have been being garnished almost XXXX a month, I don't feel like they are reporting the balance correctly or that I have been paying the balance down. I am trying to shop for another auto loan and I'm being expected to put large amounts down due to this situation ... .I experienced a total loss in XXXX with another auto loan company but luckily I had full coverage and gap pay.i want this cleared up immediately with the credit bureaus

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: WESTERN UNION COMPANY, THE
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX I tried to made a payment to my mortgage company with my XXXX XXXX debit card on the phone with Western Union but I was told by the female representative that there was an error sending and to call back in XXXX minutes, in which I did and to just give my phone number, but was told by the second rep I had to give all my information again and was told I did n't have enough in my account. I know when I spoke with the first rep I had at least {$380.00} in my account and I wanted to sent {$300.00} that cause {$310.00} to be taken out of my account. XXXX XXXX said they sent it to Western Union and Western Union said they did n't receive it, now XXXX XXXX is investigating the matter which will take 45 - 90 days which leave me {$310.00} short.

Company response to consumer: Closed with explanation