BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: WA
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:
I am a victim of the recent Equifax credit breach. 
I have therefore already frozen my credit through all three credit reporting agencies. 
- Today ( XX/XX/XXXX ) I tried to get my free online credit reports from XXXX for 'all three ' reporting agencies. I did receive free online reports from XXXX and XXXX but ... NOT Equifax. 

XX/XX/XXXX Equifax did NOT provide my free online credit report and sent me to a page that says " Online Delivery Unavailable '', even though I had already answered a series of identifying questions correctly to Equifax online. 

I am entitled to a free annual credit report from Equifax via XXXX. 
Equifax needs to cooperate and give me my free annual credit report, it 's the LAW! 

Especially after the recent Equifax Data Breach, for obvious reasons I have absolutely no desire to Expose even MORE Personal Identification via means other than what I have already provided via XXXX. 
XXXX now has Equifax checked off as having given my my annual credit report ( EQUIFAX HAS NOT PROVIDED MY FREE CREDIT REPORT ). 

I need my credit report from Equifax, I am doing my part as a consumer to protect my information and trying to get my free report, Equifax is NOT doing their part!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: HI
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:
Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Equifax is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to XXXX credit, credit access, credit inquiries, and other things. These entries should and shall be removed. 

I have been locked out and I am unable to have my account restored, even though I am paying a monthly subscription fee to Equifax. I can not get access. My score reports back as XXXX XXXX  and everything is hidden, unavailable, or technical errors pop up. I have talked with Equifax many times, I have verified myself over the phone, they have acknowledge they are in receipt of my unlock requests, yet, I still can not gain access to my account, credit report, score, or any other credit related information. I am 100 % locked out and I can not do anything about it and Equifax refuses to resolve the issue,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: SYNCHRONY FINANCIAL
State: IL
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 have no idea what it is and why its on my report. I want proof of who they are not some random bill that can be from anywhere due to fraud. I never received anything from the company or who they are.

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 2019-08-10
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: Their investigation did not fix an error on your report

Complaint:
Theinvestigationdidnotfixerror

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: ABR Recovery Services LLC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ABR recovery Services continues to verify false information on my credit profile. They continue to dispute the accuracy of their own reporting. I have only ever had ( 2 ) XXXX credit cards ever. Both were charged off in XXXX and XXXX. ABR continues to report that the first date of delinquency was XX/XX/XXXX on one account and XX/XX/XXXX on another account. Although ABR Recovery services admits that I only have ( 1 ) collection account, they continue to verify with XXXX ( 2 ) collection accounts. I am asking ABR to stop reporting the account # XXXX. They are knowingly reporting ( 2 ) accounts falsely. I have continued to dispute ABR Recovery Services on both accounts as being false as I have proof from the original creditor that these accounts were charged off in XXXX and XXXX. I am including XXXX into this complaint. Because ABR continues to say these are different accounts. The account numbers do not match up because ABR and XXXX use different account numbers from each other. In order to link these accounts, I need more proof that these accounts have been re-aged. 
I need from XXXX : All accounts associated with my name. I need to verify that I have only owned ( 2 ) accounts EVER. I need exact dates of 1st delinquency, charge off date, dates opened and amounts if you have them. I NEED THIS FOR ALL ACCOUNTS ASSOCIATED WITH MY NAME. Again, I need ALL accounts that I have ever owned with XXXX, the original creditor. I NEED XXXX IN WRITING TO STATE THAT THEY HAVE VERIFIED AND HAVE STATED ALL ACCOUNTS ASSOCIATED WITH MY NAME AND THAT THERE ARE NO OTHER ACCOUNTS OTHER THAN WHAT IS LISTED. 
Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX is reporting inaccurate information to credit bureaus. Based on documents from XXXX they are in violation of the FCRA for reporting inaccurate information on my file. After numerous disputes with the bureaus. Contacting XXXX about the situation both refuse to follow the law set forth in FCRA. XXXX has verified false information but more unethically updated its mistakes based on the documents of proof I provided to the credit bureaus during my dispute process. They continue to report the charge-off amount falsely. The amount that was charged off is XXXX as provided in documents provided to me from XXXX XXXX. No matter how times I have provided this information to the bureaus they allow XXXX to verify a totally different amount which is the definition of inaccurate.

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 2019-08-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the past two weeks, all hours of the day.. HRRG, has called me multiple times a day. Theyve called my husband multiple times while he is at his job. If we had the money to pay, we would.. but we have been struggling since I had my XXXX and are on one income currently.

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 2018-08-08
Company: ORG GC GP Buyer, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX when I received the letter I try to contact the company to let them know the debt had be settled.By email several times.But it wouldn't allow me to enter the site with the assigned account number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20
Company: Rosebud Economic Development Corporation
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was told that I would have to pay a specific amount bi weekly, the amount was {$100.00}, but on my paydays almost {$300.00} was taken out of my account. XXXX XXXX XXXX keeps calling my job and I am not allowed to take personal calls. This could easily result in me getting fired. I have explained to them on severeal occasions that they can not continue to call my place of employment but my request have been ignored. This is illegal and has to stop 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 explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: AL
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 DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CREDIIT REPORTS THAT I DO NOT OWN I HAVE FILED REPORTS AND GIVEN PROOF. 
Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation

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 2021-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received this email, stating reply for feedback. I did this and it shows on my complaint. This complaint is with Bank of America. I did receive email from the bank resolving the issue. They also followed up with letters on both accounts. However I called on collector ( XXXXXX/XX/XXXX XXXX ) never could get anyone on the phone, have left messages to call me so I could set up payment arrangements. The other ( Recovery Unit Dept ) I have not called yet. The email I received from Bank of America was in XX/XX/2021, the letters are dated XX/XX/2021. XXXX XX/XX/2021 I received a Summons delivered in person at my home. Trail date is XX/XX/2021. The server stated that I should call, scene I have already reached out, and thought that these accounts was resolved far as payment arrangements. Im so confused, upset that Bank of America would do this. I will call the court as the server suggested, and upload all the letters and Summons for your review.

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 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00}

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 2018-10-24
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I opened a PenFed account on XX/XX/XXXX and applied for a car loan. The loan was completed XX/XX/XXXX and the representative mentioned there would not be an additional credit pull, they would use the first original one from XX/XX/XXXX and that it's good for up to 90 days from application for opening any accounts. 

I received an alert today on my XXXX  that they had pulled my credit today without my consent or authorization based off my conversation with the representative on XX/XX/XXXX. I should only have 1 credit pull based off my authorization and conversations. 

I have reached out to PenFed again XX/XX/XXXX and they mentioned that they should have told me that they might still need to pull credit. That was not disclosed at all. 

I a greatly upset with the service from PenFed that I will consider not even doing business with them now. 

Please remove this unauthorized credit pull

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 2018-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I received a letter from a company called XXXX that stated that my personal information had been accessed from one of my employers or some organization like that. It said my social security number and other data had been accessed. It told me that I could get credit monitoring free for one year because of this breach from XXXX. I joined this site with an activation code provided. It asked for the last 4 digits of my social security number, which I was willing to provide. The site seemed to verify my identity in a normal fashion and let me provide a userid and password. However, then it said it was temporarily unable to access my credit data - try again later. I tried again for a week and then called the customer service number. They wanted my full social security number or told me they could not help me ; I wasn't in the system by name. I would not provide the number. It appears to be some kind of scam even though Transunion seems tone involved. If my personal information was illegally accessed, I do want the free credit monitoring but I also want to know who exposed it so I can take some action. Hiding the party that exposed my data seems illegal on the surface.

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 2023-09-05
Company: American Credit Acceptance, LLC
State: NC
Product: Credit reporting 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, American Credit Acceptance has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: TN
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:
Equafax data breach! Was informed was not affected then checked again and was told my data may be part of the hack! Called and was told to fill out form for free one year insurance to help with the hacking! Then would be charged after that for the coverage! First off- I never gave anyone the ok to share/ sell my information! They were hacked and now all my personal info may be out there for anyone to use to get a mortgage, credit cards, drank loan and drivers listens and voter registration! All media and what I have read about the hack states that my information may not be use for years! Is it a scam to get people to buy this protection package after one year??? Why should we/I pay for protection when an unauthorized business that makes money off of others personal information gets hacked! Especially when the info may be stored by the hackers and used at a much later date! Where do I go and who can help? The is the big question!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Capital One closed my 360 checking account stating according to their terms and conditions they can close my account whenever they want for whatever reason. However the timing seems interesting in that I have a {$400.00} sign up bonus for their PLUS400 checking account promotion due in the next few weeks and they close my account right before payout. An absolute bait and switch here. They also closed my money market and credit cards which I have with them for many years. For {$400.00} that seemed like a desperate move. 

I filed a CFPB complaint on XX/XX/XXXX for the same issue in which the response was they never received the direct deposits required for the {$400.00} sign up bonus. However, I had direct deposits from XXXX XXXX posted shortly after account opening. The online website wo n't show my checking account history now which is super shady. I attempted to call the contact person XXXX XXXX many times but she never picked up my phone call. I do not know what has become of Capital One but I am hoping CFPB can provide justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: AmeriCollect
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX   XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : AMERICOLLECT INC. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE XXXX - XXXX RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. 

AMERICOLLECT {$210.00} Account Details Last Reported Collection Agency Original Creditor Status Opened Date Closed Date Responsibility Balance High Balance Remarks XX/XX/XXXX AMERICOLLECT XXXX XXXX XXXX XXXX  Open XX/XX/XXXX -- Individual {$210.00} {$210.00} Account information disputed by consumer, meets FCRA requirements Creditor Contact Details AMERICOLLECT XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation