BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-03
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:
n accordance with the Fair Credit Reporting act XXXX 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

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: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Due to the hack that occurred between XXXX XXXX to XXXX XXXX, Equifax has failed to properly secure and protect my credit data and personal information, including SSN, credit records, my name, and address. 

According to Equifax 's security website, my data has been compromised, and I may be at risk to be a victim of identity theft. I have thus taken actions to set up fraud monitoring on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Reporting act XXXX 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

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 2019-04-16
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I sent a certified letter to XXXX 's about the late fee that I was being charged since the first statement, which I never received. The account was opened in XX/XX/XXXX.Payment was made on the account in full through on line banking. Payment posted on XX/XX/XXXX. A/C # XXXX. XXXX XXXX. However there was a late fee which was waived, given this was my first statement that I had not received. This was never corrected despite my attempts. Due to this negative reporting by XXXX 's my Citibank Platinum account was not renewed ( bank refused to send me a new card ). I tried to correct it through the credit bureaus to no avail. I never paid late on any of these accounts. To this date, I still have maintained an automatic payment with CitibankAadvantage.

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 2017-09-08
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:
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, including me ( verified by their online tool ). Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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:
My personal information and that of my wife was divulged as part of the XX/XX/2017 Equifax breach. I confirmed our data was included on Equifax 's web site at https : //www.equifaxsecurity2017.com/.

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:
I am filing a complaint in regards to the recent Equifax security breach -- according to the Equifax impact inquiry site ( XXXX XXXX XXXX ), checking my information indicates a strong likelihood that I was impacted and that my information was compromised. 

Equifax did NOT contact me about their security breach, and took no measures to alert me about my information being compromised, despite having it on their record and having access to my contact information. Issuing a national press release is not an acceptable substitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Chime Financial Inc
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Called Chime debit Visa customer service after receiving debit Visa card in my name that I never applied for. SPOKE TO GENTLEMAN WHO WOULD NOT GIVE ME ANY INFORMATION AS TO WHY I RECEIVED THIS DEBIT VISA CARD IN MAIL ON THURSDAY XX/XX/2022. I WAS ON THE PHONE WITH HIM AND WAS ASKED TO GIVE HIM THE LAST 4 DIGITS OF MY SOCIAL SECURITY NUMBER AND MY E-MAIL ADDRESS. I TOLD HIM SINCE I HAVE RECEIVED THE DEBIT CARD IN MY NAME, AN ACCOUNT NUMBER, AND EXPERATION DATE, THEY SHOULD ALREADY HAVE THAT INFORMATION. HE EXPLAINED HE WAS NOT AUTHORIZED TO GIVE BACK TO ME ANY INFO WITHOUT MY E-MAIL ADDRESS AS THIS WAS THE ONLY WAY TO RECTIFY THIS PROBLEM. 
I ASKED FOR HIS SUPERVISOR AND HE SAID HE DID NOT HAVE ONE. I TOLD HIM EVERYONE HAS A SUPERVISOR AND I WANTED TO TALK TO HIM ABOUT THE SITUATION. HE AGAIN SAID HE DID NOT HAVE ONE AND THE ONLY WAY TO INVESTIGATE THIS WAS BY E-MAIL. AFTER SPEAKING WITH HIM 25 MINUTES I FINALLY TOLD HIM THAT HE WOULD BE HEARING FROM ME ANOTHER TIME AND IF I FIND I AM A VICTIM OF IDENTITY THEFT HIS COMPANY WILL BE HELD RESPONSIBLE. THE TOLL FREE NUMBER I USED WAS : XXXX. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On this XX/XX/2022 company opened a collection Account # {$15000.00} I have never signed any written document saying that i owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not given a written consent from my end. 

They have not verified that i owe this debt to this alleged company. 
Please have this removed from all three credit bureau. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: DC
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 implemented poor security in their IT infrastructure and exposed ALL my personal and identifiable information. I used the " Potential Impact '' link of equifaxsecurity2017.com and it said, " Based on the information provided, we believe that your personal information may have been impacted by this incident ... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I filed a dispute XX/XX/22 in regards to the incorrect items on my credit report. I sent a followup letter, it has been over 30 days and i have not received any investigation results.

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 2017-09-08
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Regarding the Equifax security breach, I checked my information at XXXX which resulted in a positive response - my information may have been impacted. This company has mishandled my information, which puts me and  millions of other people at risk. Placing a freeze on my credit should be free and should not require a police report. Prevention over reaction is a much better approach to this type of sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Action : Late XXXX, called Citizens Bank Loan Servicing Center to have lien release from my HELOC mailed to me. 

Result : Citizens did not mail the lien release. I called 3 additional times to have the lien release mailed. Citizens claims to have mailed it XX/XX/XXXX but it was never received. 

On XX/XX/XXXX, I called Citizens for the fifth time to request the lien release be both emailed and mailed to me because their delay is preventing the sale of my house because of an inability to prove their lien has been released. 

Citizens refused to provide the name of any person that I could use as a contact to ensure that my request would finally be processed.

Citizens ' delay has resulted in a delay in the closing of the sale of my house. As a result, I have not received the sale proceeds resulting in financial hardship. In addition, I am paying more in interest expense on my home equity line of credit because it has not been paid off as early or quickly as it would if Citizens would have correctly processed my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
I was one of the 150,000,000 people affected by the Equifax hack and have to say I am absolutely livid that my information was not handled with the utmost discretion. Whoever decided it would be a good idea to skimp on cyber security deserves AT THE VERY LEAST to lose their job and be blacklisted from the industry for the rest of their life. Prison would be preferable. I want to see heads roll.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions 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:
The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
Inaccurate name : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2019-11-30
Company: EQUIFAX, INC.
State: UT
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:
XXXX, XXXX and Equifax are erroneously reporting false addresses names and social security numbers on my credit report. I have filed a request with the 3 bureaus and provided them with my drivers license, social security card and proof of residency and requested to have this inaccurate information removed immediately. XXXX, XXXX  and Equifax have failed to remove these items and is in violation of the fair credit reporting act. The information that must be removed is as follows Address Ive never lived at : 1. XXXX XXXX XXXX XXXX XXXX UT XXXX 2. XXXX XXXX   XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX 4. XXXX XXXX XXXX XXXX  XXXX, UT XXXX 5. XXXX XXXX XXXX XXXX  XXXX XXXX, UT XXXX 6. XXXX XXXX XXXX XXXX XXXX, UT XXXX I request these address and every variation of these addresses be removed from my report. I have never lived at any of these addresses. I DO NOT KNOW OF THESE ADDRESS. 
SSN that are not mine that show on my report 1. XXXX 2. XXXX I request these SSN numbers be removed from my report Phone numbers that have never been mine. 
1. XXXX XXXX. XXXX XXXX. XXXX I request these phone numbers be removed. 
Spouse Name : 1. XXXX This person is not my spouse. I request this name be removed from my file. I do not know this person. 
Names : 1. XXXX XXXX is not my name. I request this name be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, there are several unauthorized inquiries and incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are unauthorized and the following personal information were inaccurate and needs to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 Account unknown how do you verify this information this account is in violation it was reported without valid evidence 2. Did not consent to authorized this inquiry XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
3. Did not consent to authorized this inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report

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 2018-05-19
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
OnXX/XX/2018approx XXXX EST I received a call from someone who identified themselves as working for XXXX XXXX XXXX . This person asked if I was my name and I replied in the affirmative. The agent never verified my identity though DOB or last 4 of my Social Security number then proceeded to disclose a debt to me, including the full amount owed and to whom. I believe this violated the FDCPA as only my name was asked and my ID was never verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
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:
In accordance with the fair credit reporting act XXXX XXXX  # XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: AZ
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 canceling credit monitoring or identify theft protection service

Complaint:
Equifax hack has put my identity at risk and I am now in danger of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: VT
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 sensitive personal information, putting me and hundreds of thousands of other Americans at risk of having our identities stolen. I am listed as a potential victim of their security breach on their website http : //www.equifaxsecurity2017.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I called XXXX XXXX XXXX regarding my auto loan. There was incorrect information being reported to the credit bureaus. It showed that I was 30 days delinquent on my auto loan when I was not. I spoke to a representative and she acknowledged the incorrect reporting and stated she would be submitting a ticket to fix the reporting error. She indicated it would be resolved in three business days. 

It is now XX/XX/XXXX and the reporting has not changed. I called in again and the representative said that all they did was waive my late fee but no ticket was submitted to fix the incorrect negative reporting. They stated there was nothing they could do on their end to fix the issue and that the original representative had given me incorrect information.

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 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX and Transunion are reporting an incorrect coding of the XXXX XXXX  XXXX - account number XXXX. This account is being coded as an M2 when actually this needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.

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 2018-05-19
Company: Critical Resolution Mediation LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call from Critical Resolution Mediation LLC on XX/XX/XXXX  informing me that I owed a debt on a credit card from XX/XX/XXXX. I have no recollection of this credit card and when asked for some proof that this was actually my debt, I was told to call the original bank that held the card. CRM e-mailed me a letter that gave me the original account number for the account and their representative gave me XXXX  banks phone number. I called the bank and was told that account has never existed. When I called CRM back to find out what was going on, I got lots of excuses as to why I did it wrong and how the account number may be wrong. The representative got to yelling and being ugly with me so I ended the call. He then took to calling me repeatedly and finally left a voice mail threatening to sue me for the money.

As it is, all I asked for was proof that the bill was mine. I was informed he doesn't have to show me anymore proof than a letter that lists the account number and original creditors name, that he wrote up himself.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation