BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, and I am submitting this complaint on my behalf I been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these account violate the FCRA and FDCPA these accounts must be deleted immediately.

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 2022-06-15
Company: EQUIFAX, INC.
State: NJ
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Equitable Acceptance Corp
State: MO
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 called every company on my credit report to find out who has my student loan and I am constantly getting the run around. Everyone I call says they do not have my student loan. I called XXXX XXXX XXXX XXXX, Equitable Acceptance, and they ALL say they do not have my student loan. I am trying to put my student loan in deferment and I have received no help at ALL. This is very frustrating and customer service was extremely unprofessional and no help whatsoever. I need to find out who holds my student loans and how I can get them in deferment ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX Us Dept of ED Acct # XXXX Us Dept of ED Acct # XXXX XXXX XXXX  Acct # XXXX has violated my rights. 
15 U.S.C 1681 SECTOPM 602 A. States I have the right to privacy.

15 U.S.C 1681 Sectopm 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act- XXXX XXXX XXXX, Account number XXXX has violated my rights. 

15 USC 1681 Sec 602A states that I have the right to privacy.

15 USC 1681 Sec 604A Sec 2 also states that a consumer reporting agency can not furnish an account without my written instruction.

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 2022-06-15
Company: EQUIFAX, INC.
State: LA
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:
Have a fraudulent/ unauthorized inquiry on my credit report from XXXX on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: TX
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 2019-11-23
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
BECU opened a savings account in my name WITHOUT MY PERMISSION. I went in for a car loan at XXXX XXXX  XXXX and without telling me they had me sign paperwork that gave them the authority to open a savings account in my name. All I knew was that I was filling out paperwork to get a vehicle loan. I would never have authorized a savings account as I NEVER INTEND TO USE BECU for my saving. 

I called BECU when I realized that they had opened an account in my name without my knowledge and they refused to close it - they said I had to sign more paperwork. I WILL NOT SIGN ANYTHING FOR AN ACCOUNT I NEVER AUTHORIZED IN THE FIRST PLACE. 

This rings very similar to the XXXX XXXX scandal. Highly recommend BECU be investigated for this type of predatory banking practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: AZ
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:
On Wednesday, XX/XX/XXXX I called XXXX to try to get a security system. They used Equifax to check my credit. They found no record of me. On Thursday XX/XX/XXXX I called Equifax directly and was told that I did not have an Equifax account. When I inquired how that could possibly be as I was a XXXX XXXX XXXX former home owner with multiple credit cards, the Equifax customer service representative argued with me and told me that I simply did not have credit with them. When I expressed my concern and asked to speak with his supervisor he refused. When I checked my credit report, the last time Equifax reported on me was in XX/XX/XXXX. This week of course I read what happened at Equifax. I called the Equifax help line and explained my situation. The woman on the phone had no remedy for me. She told me to go to the website they had set up to see if my account had been affected ( even though I told her that my account had been erased on their site ). I went on their help page and put in my info and got a message saying I was n't affected! I am beyond upset. My Equifax account has obviously been hacked and erased. The company is offering no resolution. I need help. I tried to freeze my XXXX account online and could not because some of the security questions did not apply to me. I am quite concerned about identity theft at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX formerly XXXX using account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2017-09-12
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today, XXXX XXXX, XXXX, I received a call from Asset Recovery Associates XXXX XXXX XXXX stating that a credit card from XXXX XXXX with the last numbers XXXX has a past amount due - at the time, XXXX XXXX, XXXX, was {$4900.00}. They said they sent letters - which I did n't receive- and called me and left messages, which I did n't receive. Then they gave me a case number : XXXX, a phone number XXXX XXXX XXXX XXXX ext XXXX, XXXX XXXX. she told me my social security number, which credit cards I have/use, my address, my old address, my name prior to divorce, and the names of credit report organizations to call or write to about my credit. They they gave me XXXX options to pay off the debt : XXXX XXXX pay full balance or XXXX ) settle out of court with my bank. They said I could make a down payment with my XXXX XXXX credit card ( which I did XXXX for {$500.00}. and that I would receive paperwork tomorrow in overnight delivery and then go to my bank and make payment arrangement with XXXX XXXX. This balance was less because they gave me an out of court settlement {$3800.00} with {$500.00} less.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Equifax security beach has exposed myself and family to loss of personal identity, financial distress, and flawed credit. The generic response to inquiry leaves me even more vulnerable to attack with a less than professional and secure PIN. The security of my identity is now a main priority and I should n't have to shell out money to a company that allowed it to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: SYNCHRONY FINANCIAL
State: VA
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:
Ms. XXXX XXXX, Director Consumer Finance Protection Bureau Via Consumer Finance.gov website Subject : paralleling XXXX XXXX line The report of my death was an exaggeration. 

I submit this note of concern not simply because an alleged credit reporting agency claims I am deceased but, hurt feelings aside, this obviously false claim can kill my credit rating! 
Yes, mistakes do happen. Of broader importance is the agency ( the poorly named XXXX ), its crony bank ( Synchrony ), and the retailer ( Gap   which apparently refers to the wide space between sales and service ) which chose the bank, have clearly indicated they do not give a XXXX. 
This awkward tale began with an attempted web purchase from Gap linked to a cost saving if I agreed to apply for their credit card. Subsequently I received on XX/XX/XXXX a letter using my formal name XXXX XXXX, from Synchrony ( an institution previously unknown to me. The letter dated XX/XX/XXXX said it was unable to approve my credit request as XXXX reports applicant is deceased. 
Well. When I received the latter I called XXXX on XX/XX/XXXX. Twice. Twice was put into a voice mail. Presented my problem. To date I have not received a response. Perhaps they are embarrassed? 
Moving up the line, on XX/XX/XXXX, I called Synchrony where I was told, repeatedly, it was not their problem, I should call XXXX. I finally asked for the banks fraud division. I was connected and with patience explained the situation. My reward was to be disconnected. 
Moving further up the line, I called XX/XX/XXXX Gap/Banana Republic to explain the problem and the obvious danger to my credit rating. I was told the matter would be referred internally and I would hear back in 30 days. I explained that a month dead would Really do damage to my reputation. He referred me to another number that referred me to another that flipped me back to the Synchrony credit card company. Ive actually been to the real ( rudely-called ) Banana Republic where manners are far better. 
I do know if I am trapped in the company of XXXX, incompetents or gamers. I do know that given my past experience as a news reporter, I will not let this misbehavior lie.

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 2022-06-15
Company: Experian Information Solutions 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:
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights XXXX 

15 USC 1681 Section 602 A : states I have the rights to privacy.

15 USC 1681 Section 604 A 2 : states a consumer reporting agency can not furnish an account without my written obstructions. 

I know for a fact XXXX, EXPERIAN & XXXX do not have my written permission to report these accounts on my consumer reports.

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 2017-09-12
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent payment to a vendor via coinbase and the vendor says they never received payment and will not ship without proof from coinbase I have tried reaching customer service via email, XXXX and their online help site l daily for well over a week and a half since XXXX/XXXX/XXXX This is for medication my son NEEDS, I get no answer at all from coinbase and recently got back a massage that emailing them directly has been disabled They have no customer service number, the do not return emails and there online chat looks to be disabled Sent XXXX XXXX XXXX {$300.00} To XXXX Note For order # XXXX Confirmations XXXX Fee XXXX XXXX Transaction View transaction XXXX/XXXX/XXXX XXXX PM COMPLETED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a new mortgage with Wells Fargo. Payments started XX/XX/2019. The first payment could only be done as a one-time payment, which I found odd, as every other bank with which I've had a mortgage - big and small - allowed for autopay to be arranged online. There was no option to arrange for autopay on the website at all. I managed to remember to make another one-time payment for XXXX, but I was late to realize I did not make an XX/XX/2019 payment until just today, XX/XX/2019. I did not receive any email or other alert before the payment was due or after it was in " overdue '' status. I made that payment and spoke with someone by telephone to explain the situation, and I was both assured I would have no credit hit or late fee due to this being a new loan, and the person was able to put in a work order for autopay going forward, but I still wanted to lodge a complaint that they do not make this option available in a consumer-friendly, systematic way. I was very surprised to see that I have to " opt in '' for alerts of incoming payments and especially overdue payments. The absence of online autopay enrollment available at the time of online account setup and the need to opt in for basic alerts - which is not typical in my experience having held mortgages with multiple banks of varying size over the last 10 years - makes the cynic in me think this is perhaps by design as it would be a nice way to collect late fees in addition to interest.

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 2020-10-07
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Americollect inc I have received corespondents in the mail pretending to be an attorney if I did not pay the debt for a medical bill that's not mind. This company is using unlawful tactics, reporting inaccurate information on my credit report, violating the hippa act, providing medical information to third party credit reporting agency, XXXX, XXXX, XXXX, this inaccurate information has effected me in getting declined for credit card, employment, unable to purchase a home, rent apartment, this company has caused me stress, I have contacted this company through dispute letters, I informed the company not to contact on my work phone and my cell phone, but they continued to treated me .Also I never gave permission to the original creditor XXXX  XXXX XXXX XXXX to release any information concerning me to a third party, I never signed a hippa act release for to  realise my medical information, which this company is in violation of the hippa act, also both parties are violating the Fair credit reporting act they are intentionally ruining my credit with inaccurate information on my credit report I'm reporting to three credit bureaus XXXX  XXXX and XXXX  and I have put in dispute with this company regarding collection and they continue to violate my rights and use unlawful tactics by contacting me at work, on my cell phone, pretending to be an attorney. that if I did not pay they would seek for the action against me. I would like to resolve this issue by having this collections amounts of {$210.00}, {$280.00}, and {$280.00}, and {$310.00} to be removed from my credit immediately. This is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
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:
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. Based on their instructions I was able to confirm that my information, to include personal identifiable information, was included in the breach. My identity is no longer reasonably considered to be " secure ''. Equifax was unable to safeguard the information. 
I understand that Equifax is a victim here as well, however, my entire identity is open to theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the XXXX hack, I tried to use the Annual Credit Report service online ( XXXX XXXX XXXX ) to view my credit reports. Only XXXX was able to provide this information. Both TransUnion and XXXX were unable to complete the request online. I was able to use the phone service ( XXXX ) for Annual Credit Report to request credit reports from TransUnion and XXXX, but given the current activity and service unavailability, I 'm not going to hold my breath. 

Then I tried to freeze my Credit Reports. 

I was able to do it with TransUnion ( and paid {$10.00} for it ) by phone, at XXXX. 

XXXX was unable to furnish me any services at all - phone- and web-based services were both down or unavailable - generally after taking my information and validating everything. Phone : XXXX. Online : XXXX XXXX XXXX I moved on to place a 90 day Initial Alert via XXXX XXXX XXXX service at : XXXX XXXX XXXX using my personal information. I HOPE that this will propagate to the other 2 bureaus, but I do not hold out a lot of hope that this will actually happen.

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 2017-09-12
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 personal information, including location, social security number, and credit account history, was not secured properly and obtained by outside parties that I did not consent to give information to.

Company response to consumer: Closed with explanation