BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I applied for a loan, refinance with XXXX on XX/XX/2019, and was denied credit on XX/XX/2019 because Experian reported that i had no credit, code XXXX. I went to freecredipt report and got all there credit reports, all were fine. I opened an account with Experian to view my credit score and my account showed the same thing, no recent credit activity. I went to dispute my account and that is where the problem began. I followed the link to disputes, but there is no way to dispute a problem with my account because of Experian 's, i guess with their software, causing it not to use my credit information that they have. My credit report from Experian is fine. it shows 49 account with all of my credit activity. I called them regarding this issue and was transferred back and forth form disputes to membership six time. Experian 's reps kept telling me that I have no credit activity to generate a credit score. I explained that I just generated a credit report from Experian that showed my accounts and activity, the system they were using on their end did not generate the same report. they kept telling me I had no accounts or activity. I was on the phone with Experian for 2 hours, finally asking for a supervisor. Experian finally understood that the problem was on their end. Experian forwarded the issue to the fixing department and said it should be fixed within five business days. My biggest issues is. there is no was to raise issues on Experian 's website to raise questions about how they, Experian, wrongly report credit like they wrongly reported mine. I didn't see any drop down question at this website, CFPB, either. I guess my problem is not common but Experian 's wrongly using my credit activity and accounts, through their system, caused an adverse credit report and credit denial. Another issue with Experian is their customer service agents are not trained on the issue that affected my credit, believing their system could not be wrong. I think the five business days to correct this problem is also excessive. Experian should be able to immediately fix the problem where their system is the cause.

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: 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. reported that their systems were hit with a cyberattack and that the attack may have affected nearly 143 million people. Due to this, my information may have been compromised. I am afraid that my information can be used to either open up fake accounts under my name or identity theft. In light of this information, I have set a fraud alert on my accounts.

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:
Company withheld knowledge of data breach from customers for 2 months drastically increasing the damage potential to XXXX citizens. Credit company improperly safeguarded and released my personal, financial, and employment data without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion for the past several months has not been posting my payments with my XXXX XXXX Credit Card. My payment history with my XXXX XXXX Credit card is always two or three months behind which is affecting my credit score. This is XX/XX/2021 and I don't see my payments for XXXX, XXXX, and XX/XX/2021 posted on 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 explanation
Consumer complaint received 2019-11-26
Company: American First Finance, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I noticed negative reporting from XXXX XXXX XXXX when I pulled my credit report on XXXX XXXX, 2019. On XXXX XXXX, 2019, I wrote to inquire about the debt.I have attached a copy of the letter and certified mail receipt. I have no knowledge of this account so I asked for them to verify the debt and provide proof that this is, in fact, my debt. It has been more than 30 days and XXXX XXXX XXXX has not responded to my request. I believe it is unfair for this organization to report negativity on my credit and refuse to validate my debt.

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:
On XXXX/XXXX/XXXX it was reported that Equifax was subject to a large data breach in which millions of users personal, sensitive data was stolen, potentially for nefarious or illegal gain. After checking the Equifax website on XXXX/XXXX/XXXX, I was alerted that it was likely that my information, including name, address, and social security number, was indeed among the lot stolen, putting me at significant risk for identity theft or other abuse of my information. 

It was also noted in the news that several Executives of Equifax sold shares of their company after knowing of the breach but before disclosing it to the public, in, perhaps, a violation of FCC regulations ...?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
Following the news of the recent Equifax security breach, I went on the company 's own website ( exifaxsecurity2017.com ) and after putting in my last name and last 6 digits of SSN, it reported that : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' This includes : Name, Social Security #, Address, Birthdate, etc The company mishandled my information, which puts myself an millions of other people at risk. Additionally, they did not notify anyone quickly enough about this potentially life-damaging breach to millions of consumer 's personal and financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: MIDFIRST BANK
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My brother, XXXX XXXX XXXX, passed away on XX/XX/2021. My brother had a long bout with XXXX before he passed away. Beginning in XXXX of 2021 I have been trying to assume his loan along with seeking mortgage assistance from the assistance department. This process has been absolutley horrific. It took Midland Mortgage 4 months to send me an assumption package, while telling me over and over and over that it had been sent. I notarized and returned the package immediately, on XX/XX/XXXX, have called multiple times to confirm that they had all the documents they requested only to have them request the same documents over and over. I have sent his death certificate so many times that it is at the point that another request of this is inhumane and borders abuse. The same has happened with the Assistance Department. I have sent all the documents requested, have been told that my file is complete over and over, even in writing only for Midland to kick my file out for not being complete and place the property in foreclosure. I have been proactive, calling several times a week to make sure that my application and assumption is on track. I have been told that it is only for someone else to kick out my file and request all the same documents over and over again. This needs to be resolved and regardless of all my efforts Midland Mortgage has still be unable to make this happen. It's absurd.

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 2021-08-25
Company: FirstCollect, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I already paid the debt to the original credit but this collection company continues its efforts to collect a debt not owed, thereby hurting my credit scores and credit report preventing me from qualifying for credit or housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: CITIZENS FINANCIAL GROUP, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX unethically used my personal information to apply for a loan with Citizens Bank. I did not authorize the credit inquiry and upon recognizing it, I immediately canceled my relationship with XXXX. 

There is no documentation that exists that would prove me wrong! 

Upon contacting Citizens Bank, they acknowledged the loan application that I supposedly authorized, and supporting documentation, but they blatantly refused to provide me with the said documentation. XXXX also refused to furnish the said signed documentation. 

Please help me clear the credit inquiry from my profile, and please mitigate the risk involved in both XXXX and Citizens Bank Credit processes!

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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX reporting Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602 A, States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 non-monetary relief
Consumer complaint received 2019-11-26
Company: CNG HOLDINGS INC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Today, XX/XX/XXXX is my first time hearing of this debt. The guy stated he is a compliance officer and he was sending my information to have me arrested for grand theft if I didnt pay for a debt. He wouldnt tell me what the debt was for. And continues to hang up in my face. Then After the third call he forward me to processing saying that he already sent my file to have me picked up in 24 hours. This was so humiliating as I didnt even know what this was for.

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 was not notified, but when I checked Equifax 's database I was told I may become a victim of fraud because they improperly stored my financial record.

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: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Equifax improperly protected my credit information from unauthorized users. The solution they are offering is 90 days of credit monitoring which is preposterous as this information is in the hands of hackers and thieves and can be used at any time during or even after my life time. This is incredibly frightening to me. When a company values protection and privacy this little they have to be made to protect they people that are effected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
The SBA approved my business for a loan in the amount of {$13000.00} that was disbursed on XX/XX/2020. The funds were sent to Bank of America erroneously however to date Bank of America has not returned the funds back to the SBA. I've contacted Bank of American numerous times requesting to have the funds returned to no avail. I've also contacted the SBA for help in this matter ; unfortunately the SBA was unable to contact Bank of American on my behalf. I have attached a copy of my loan agreement as well as communication that I received from the SBA legal department. I am reaching out for help in this matter because my business is still responsible for repaying this debt that interest is accruing every month while Bank of American is holding on to the funds while my business is in desperate need of the funds. I thank you in advance for your help in this matter. Respectfully, 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 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 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 2022-07-11
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, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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 2021-08-25
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021 a collection was placed in my credit account I have disputed the same account before and it has been removed they have acquired the purchase of my Debt from another debt collector I have disputed this again to be removed I do not all this amount I do not have XXXX XXXX XXXX I even called them and they told me that that account doesnt exist to get this removed from my account from the previous time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: GA
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 all the credit bureaus and informed them of the idenity theft on credit. They have not assisted me with correcting the information. I don't know what to do next. I need this situation resolved. It is really affecting my life.

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: MA
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 #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site 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. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TransUnion without my permission pursuant 15 USC 1681 ( B ) furnish information on my behalf. They also violate another federal laws stating They CAN NOT report/treat a payment on an open-ended credit plan as late for any reason per 15 USC 1666 ( B ). That exactly what they did with 3 negatives reporting on this account : XXXX XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX of listed late payments

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 2022-07-11
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:
In accordance with the Fair Credit Reporting Act XXXX  reporting Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602 A, States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 non-monetary relief
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: FL
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  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 Account # : XXXX XXXX Account Type - Detail : Credit Card Credit Card Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3000.00} {$3000.00} {$3000.00} High Credit : {$3000.00} {$0.00} {$3000.00} Credit Limit : {$2800.00} {$2800.00} {$0.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief