BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: Payfare International Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I am a consumer holder of a Payfare prepaid card. This card is used by gig workers who work for XXXX, XXXX or XXXX to receive their pay. On XX/XX/2022 at XXXX I received a text notification that my account had been breached and I called to report the fraud immediately and freeze the account. While on the phone with Payfare I watched in horror as my account was drained by unauthorized activity. Payfare will not help and said there is no way to file a dispute or a claim for these unauthorized charges. They said it's in their terms of service they are not liable for any fraudulent activity but that is not what my terms of service says. They just read from a script and hang up. The next day, on XX/XX/XXXX at XXXX they allowed MORE fraudulent activity to happen on this account after they assured me the account was closed. They allowed it to go into the negative and continue to be scammed of {$1300.00} even after I had reported the fraud the day before. 

I have done a lot of research the past few days and have discovered there are hundreds, if not thousands of consumer holders of the same Payfare card who have suffered the same fate with zero liability or recourse. Payfare is in violation of the Electronic Fund Transfer Act and several other consumer protections in place to protect consumers from this type of fraud. 

In almost all cases, like mine, the card is secure in my wallet and I have never used the card online this is a breach with Payfare and they will not take responsibility or abide by the law in allowing consumers to dispute fraudulent charges in any way. The calls are forwarded overseas where representatives just read from a script that we have no rights or recourse for this fraud and then they hang up. I have recorded phone calls and all documentation. There are so many victims this really needs to be investigated by someone or an agency who can advocate for our rights. Please help? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Clearview Resolution Services
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a call from Clearview Resolution Services this morning, phone number XXXX. The call was an automated message stating they were " unable to process [ my ] payment and [ I ] needed to contact them back immediately to resolve this issue. '' Before calling them back, I logged into my bank account and checked all of my payments. All had cleared, nothing was pending. That is when I knew this was a scammer. I decided to call back to see what they said and to get the name of the company, if they stated one. 
When I called the number a man answered " Clearview Resolution Services, can I help you. '' I stated, " I 'm not sure, you called me. '' He ask me to hold. I timed it, I held for approximately three minutes. When he came back on the phone he asked if I was, i.e., XXXX XXXX. I stated, " no. '' He asked again, " You are not XXXX XXXX? '' And I stated again, " No, I am not XXXX XXXX. '' Then he asked, " Do you know XXXX? '' And I stated, " No, I 'm sorry, but I have never heard of her before. '' He proceeded to ask, " How long have you had your current telephone number? '' I advised, " I do not know how that information is relevant to you, but over two years. '' He then stated, okay, we will contact the, i.e., " Hometown, State '' records, for current information on XXXX XXXX. I told him, good-luck and goodbye. 
The name this man originally asked for was close to my maiden name, but not correct. Secondly, I did n't correct him because I did not want to give him " my correct maiden name ''. In addition, I have not used that name in over 25 years. Also, I filed bankruptcy 9 years ago so I know there are no collections or other accounts on my credit besides the new accounts I have built in the last 8 years. And since, I meticulously check my credit scores monthly, I know for certainty that my current accounts are in good standing. 
Lastly, the reason I decided to report this call today and not ignore it is that last week my credit union alerted me that my identity and personal information could have potentially been breached through XXXX. I was sent a link to check my status and to determine if I was eligible for free credit monitoring. It was determined I was eligible for the service and I have signed up even through I already have my own identity theft protection. 
I feel this is the " first breach '' of my identity and personal information because this company was clearly going to try to scam me for a debt that is a counterfeit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: GA
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 PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS ( 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 XXXXXXXX XXXXUS DEPT OF ED/XXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXUS DEPT OF ED/XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, 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:
MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS ( 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 XXXXXXXX XXXX.US DEPT OF ED/XXXX  XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUS DEPT OF EDXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: Ability Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Last year, I asked for written verification with a handwritten signature of proof of debt. I submitted a complaint through CFPB on XX/XX/21 ( complaint ID XXXX ) stating, I have asked for a signed contract with my signature and havent not received. What was sent just a balance. I called and the representative was rude. I am very respectful and honest. I am trying to cooperate, but it is hard too. I am not hard to work with resolving any issue unless the other parties are. Also, this company has be re-aging my XXXX credit report which is illegal. 

However, today, I seen it has been put back on my credit reports without receiving any written notification in the mail and the company removed the it from my report last year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is regarding the Equifax data leak that occurred in XXXX 2017. The fact that I, along with over half of my fellow Americans, have had my identity stolen that can be used either now or in the future leaves a high amount of uncertainty of my financial records and credit. I demand consequences to Equifax and the executives responsible for this, as well as security on future data and personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX attempted to collect {$560.00} from me for a rented water cooler. I tried to settle with company to buy the cooler outright. Company refused and sent the collection amount to The Law Offices of XXXX XXXX in XXXX, ILlinois. I settled with The Lawyers on an amount of {$260.00} to be paid by me and I keep the water cooler. I sent 4 payments totalling the full amount owed. 15 months later XXXX XXXX sent this same account to XXXXOLLECTION PROFESSIONALS INC in an attempt to collect {$2200.00} from me. COLLECTION PROFESSIONALS INC HAS CALLED ME 9 TIMES IN 6 DAYS. Harassing me. I called them back, they hung up on me. I recieved ONE form of physical mail, a letter from them with no Account Number, No Validation, No Itemization. I am enclosing the document they sent to my mailing address. This is an extortion attempt. My next step will be contacting the STATE ATTORNEY GENERAL OF ILLINOIS AND AN ATTORNEY TO FILE A CLASS ACTION LAWSUIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX '' IS MY ONLY TRUE NAME I WOULD LIKE THE FOLLOWING NAME ( S ) LISTED REMOVED FROM MY CREDIT REPORT. " XXXX XXXX XXXX '', " XXXX '', '' XXXX '', '' XXXX '', " XXXX XXXX '', " XXXX '' XXXX XXXX XXXX XXXX TN XXXX IS MY PHYSICAL ADDRESS, I WOULD LIKE THE FOLLOWING INCORRECT ADDRESSES ATTACHED TO NAME " XXXX XXXX XXXX '' TO BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX XXXX CT, XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX United States THESE ADDRESSES LISTED COULD POTENTIAL REFERRING TO MY FATHER, " XXXX XXXX XXXX XXXX '' WHO I INHERITED THE NAME FROM. I WOULD LIKE FOR ALL INCORRECT INFORMATION TO BE REMOVE IMMEDIATELY. 15 U.S.C. 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S.C 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher 15 U.S.C. 1681 section 602 States I have the right to privacy 15 U.S.C 1681i ( 1 ) Reinvestigation required 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681l Restrictions on investigative consumer reports 15 U.S.C 1681 section 604 A : it also states consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please delete the fraud accounts from my credit profile. I believe after me filing a report you already investigated them. Could you please send me the results of investigation? I have never had these accounts and I do not know them. I became identity theft victim and I feel very uncomfortable to have this misleading info in my credit report. Actually I was planning to take a mortgage but just because of this fraud I can not proceed with my mortgage and my wife will be very angry. Delete them as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Experian has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX Late Dates : XXXX for I believe it was reporting in error.

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 2022-01-16
Company: Forster & Garbus LLP
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX, 2019. I was at the end of a divorce. My wife and I were selling our house, so we can go our separate ways. A week before the closing, the title search came back with a lien on the property. Forster and Garbus LLP was suing me on behalf of a company that alleges I had a contract with them, I requested time and paperwork so I could address and validate this information. They said I missed the court date, but no notification/mail was ever delivered to me, I asked them for proof of a signature of delivery. I never got that proof or anything relevant to show that a summons was sent to me to appear in Supreme Court, or that I owed this alleged debt. The bad thing about this situation, I had a new job situated and was suppose to close and purchase a new house in XXXX, Fl. Once the house sold, this debt collection strong-arm tactic from Forster & Garbus LLP XXXX forced me to settle with them for {$25000.00} in order to continue with the sale of the property, this processed took the closing from a week away to three and a half months later to the end of XXXX. I wasn't able to start my new job and I lost out on the sale of my new property in XXXX, Fl. The proceeds from the sale of the house which was suppose to come to me was {$32000.00}, that went to Forster and Garbus which was {$25000.00} and I no longer had enough or any funds to place as a downpayment for anything property and moving fees. I was jobless and homeless for awhile, I had to move in with friends and family in order to get back on my feet. Forster and Garbus LLP states that they are lawyers but at the bottom of the paperwork they provided it clearly states in all caps ( PLEASE NOTE THAT WE ARE REQUIRED, UNDER FEDERAL LAW, TO ADVISE YOU THAT WE ARE DEBT COLLECTORS AND ANY INFORMATION WE OBTAIN WILL BE USED IN ATTEMPTING TO COLLECT THIS DEBT. ) 12 CFR 1006.18 ( b ) ( 1 ) ( iii ) ( b ) False, deceptive, or misleading representations. 

( XXXX ) A debt collector must not falsely represent or imply that : ( iii ) Any individual is an attorney or that any communication is from an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: MD
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. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX  dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Transunion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XX/XX/XXXXXXXX XXXX Late Dates : XXXX for I believe it was reporting in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX TRANSUNION AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.US DEPT OF EDXXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4.US DEPT OF EDXXXX  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 2017-09-11
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 am listed as one of the hundred and a half million people whose personal information, including my Social Security number, was exposed by the Equifax exposure. Equifax did not properly secure my information, and they are not properly handling this breach -- including their potentially data-exposing request for entry of name and social security number into their breach form, which is very exploitable to further guess peoples ' information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
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:
My information was compromised because of an XXXX security breach. I had previously contacted transunion, as soon as I saw an unauthorized inquiry on my credit report to investigate this right away, most recently XX/XX/XXXX. I was told that I need to file a police report. On today, XX/XX/XXXX I was told the same thing from Transunion, after XXXX confirmed that my information was stolen. Someone has clearly been trying to use my information to open accounts. Transunion is not being helpful at all with investigating the fraudulent information on my credit file. I do have rights as a consumer and Transunion has violated the XXXX. I WAS TRANSFERRED TO A SUPERVISOR IN XXXX SPECIAL HANDLING. His name is XXXX from the PA office. He would not provide an ID number. He was not helpful, and insisted on me to file a police report before he even listened to my entire situation.

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 2022-08-25
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Identity Theft XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXXXXXXXX**** XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX 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