BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-22
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The account in question was opened in XX/XX/XXXX and closed in XX/XX/XXXX. Navy Federal charged off this account and continued reporting the account. After contacting Navy Federal about paying off this debt, over the phone they agreed to a settlement amount of {$2600.00}. They updated the account as closed on my credit report with a date of XXXX 3 years after the account closed. They also never followed up and sent out the corresponding information for me to pay off the account. It's been over 6 years and Navy Federal has not tried to solve this issue with me but continues to report this old car loan as new. The statute of limitations of debt in South Carolina is 6 years. This debt should be removed from my credit report 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 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
XXXX  is reporting three erroneous accounts in my credit file. I asked for a full investigation for all three collections. I gave XXXX  30 days to complete their investigation. I never received anything pertaining to their full investigation. The company simply updated the alleged debt collection items without sending proof that I owe these alleged accounts.

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 2022-02-10
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
They will not send me any documents proving this is my account, I asked them multiple times how are they verifying this is my account reporting it to Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Performant Financial Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Every month I get my credit report. I discovered that my credit was pulled by a company called Performant. I did not authorize this company to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 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 non-monetary relief
Consumer complaint received 2021-08-25
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:
You can clearly see they took 68 points off my score and there is no reasoning behind it

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, through their own gross negligence, provided my confidential personal information to hackers/thieves ( identities currently unknown ). Being one of the 3 major credit reporting bureau 's in the USA they have a huge responsibility to safeguard our data and have been recklessly careless with this information. 

As additional examples of their careless behavior : 1 ) When you do a security freeze on an Equifax account they give you a 10 digit PIN you need to unfreeze the account. The first 6 digits are the date you enacted the freeze. This is TERRIBLY insecure, as everyone who freezes their credit as a result of this recent security breach will have extremely similar PINS. 
2 ) The website they created enabling citizens to check if they are a victim of this breach is a BRAND NEW DOMAIN, instead of using their own domain. This makes it significantly easier for identity thieves to direct people to fraudulent sites. This is either simply lazy, or demonstrates an ignorance of cybersecurity that 's criminal. 

I now have to set a fraud alert on my wife and my accounts, which is no guarantee that I wo n't become a victim of identity theft following this breach. Equifax has offered 1 year of credit monitoring to victims such as myself, however this breach will have far reaching effects for YEARS to come. 

In addition to credit card information, which is an inconvenience to change, criminals now have my name, birthdate, social security number and drivers license information which is INCREDIBLY difficult to change. They also know where we live and work, which is terrifying. It is impossible to overstate the economic and physical repercussions of this event.

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:
I have discovered that my personal information was part of the recent hack ( XXXX-XXXX 2017 ) on Equifax 's servers. 

I have contacted all three credit reporting agencies to place both a freeze and a fraud report on my accounts. 

It troubles me that I had to pay for the freezes to be placed on the accounts, given that Equifax does NOT have the greatest reputation concerning its training and security. The inappropriate use of my data should fall squarely on the shoulders of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Ad Astra Recovery Services Inc
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to contact this company and showed them with court documents showing i was incarcerated during the time someone used my identity to open this account it is not mine i was in jail and to remove this due to the fact its not mine i was in jail i provided them with the court documents and they still will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am a freshman at XXXX College. I opened a student checking account with TD Bank because before I moved in, I spoke with a branch manager in the XXXX branch who told me his wife worked at the college and there was a TD ATM on campus. Not true. That means I pay {$3.00} every time I withdraw money. I try and get money when I buy items at the bookstore etc to avoid that fee but in my last statement, I noticed I got charged {$3.00} for a " Bal Inq Fee. '' I feel that this fee was not explained nor is it fair. I think they are taking advantage of me as a student and I want my money back for the fee ( and the {$1.00} paper statement fee too ), since I did not get told about that fee either. I am considering closing this account altogether since I feel that they misrepresented the ATM location too. I thought that banks were supposed to treat students fairly but that is not how it appears.

Company response to consumer: Closed with 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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Based on the Equifax security breach, I have been identified as a victim of the data breach. It is assumed that my social security, driver 's license, and other personal information has not been secured and is now public information.

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 divulged personal information that I provided for their credit reporting services, including social security number, without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company 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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX is identity theft fraud but The company call me XXXX  and make fun of me I tell the company they not do anything I already put in a arbitration case against them

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: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX/XXXX/2017 I was informed of the security breach at Equifax. After checking to see if I was affected, I found out that indeed my information had been compromised.

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:
Equifax compromised 143 million people 's Social Security numbers and other data and just announced this on XXXX XXXX, 2017.

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:
On the morning of X/X/17, I learned of the data security breach at Equifax Credit Bureau via XXXX. XXXX provided a website address/URL to assist individuals in determining if they were affected by the hacking incident. I visited the aforementioned site and was informed that both me and my spouse were possibly affected by the hack. We subsequently registered for identity theft protection via their TrustedID program. Later on in the day, I learned that after one year Equifax will charge for the TrustedID program and signing up for the program waived our rights to participate in any lawsuits ( i.e. class action, etc. ) and we 're subjected to only arbitration. I believe this to be very unfair, penalized in two different instances for their inadequate cybersecurity protection of our personal and highly sensitive data ( charge after one year and waiving our rights ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
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:
There were 2 dubious accounts on my credit report and I initiated a dispute process on XX/XX/2019. XXXX, Equifax and XXXX  failed to provide me the method of verification of how they verified this dubious and false information. 
All I want is for them to remove this incorrect information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
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:
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. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

2. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX XXXX Account Number : XXXX 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 2022-02-10
Company: LEXISNEXIS
State: WI
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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 continues to violate my right to privacy by continuing to harass me by submit negative, harmful and detrimental information to the three credit reporting agency. This is continuing to be done because I asked them to validate a debt and they have not.They refuse to validate a debt and instead continue to attack my character thru unlawful reporting. Pursuant to Federal Law 15 USC 1692g their continuing to report harmful, character deeming information is against my rights as a Consumer. Furthermore, pursuant to 15 USC 1681 under the FDCPA I have a right to privacy. I did not give them permission to report anything to anyone. 
In addition, XXXX, Transunion, and XXXX continue to allow them to report and I did not give them permission either. I am the Consumer, I have a right to privacy. They can do as they wish to a citizen but NOT to a natural person, consumer, citizen of heaven.

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 2019-07-31
Company: U.S. BANCORP
State: TX
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:
US Bank put two inquiries on my XXXX file on XX/XX/2019. I was never reached out to. No one called to clear my Extended Fraud Alert, I did not apply for any products with Us Bank on XX/XX/2019. I SEE TWO Inquiries on the same date from the on my same file. This is on my XXXX Credit Report, And I can see that. I did reach out to XXXX whom advised me to contact US Bank. I did contact US bank and advised them I did not apply for credit with their instituion on XX/XX/2019 and that I am a victim of ID Theft, According to the rep they only show 1 inquiry and they said they would remove it. THEY DID NOT. It is Two inquiries both from the same company on the same date. XXXX is requesting me speak to US Bank. So this complaint is because US Bank refuses to assist even though I advised the Application was fraudulent and not authorized they refuse to remove the inquries they illegally placed. Please correct this.

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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went to buy a new car and was told that only XXXX XXXX  would be used and it more than that has appeared on my credit report as shown below in attachment via Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: PA
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 continues to violate my right to privacy by continuing to harass me by submit negative, harmful and detrimental information to the three credit reporting agency. This is continuing to be done because I asked them to validate a debt and they have not.They refuse to validate a debt and instead continue to attack my character thru unlawful reporting. Pursuant to Federal Law 15 USC 1692g their continuing to report harmful, character deeming information is against my rights as a Consumer. Furthermore, pursuant to 15 USC 1681 under the FDCPA I have a right to privacy. I did not give them permission to report anything to anyone. 
In addition, XXXX, XXXX, and Exquifax continue to allow them to report and I did not give them permission either. I am the Consumer, I have a right to privacy. They can do as they wish to a citizen but NOT to a natural person, consumer, citizen of heaven.

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 mishandled my personal information including Name, Social Security Number, Address, Birthdate, Driver 's License Number, and possibly more. They allowed a data breach to occur inXX/XX/XXXXand they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation