BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-12
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:
Not only did Equifax not ensure the security of so much valuable information, their response has been awful. There seems to be no real follow-up, especially given their generic search tool to see if I have been impacted. The results are untrustworthy. Additionally, they have not done much to communicate the error. To top it all off, many of their executives sold off a bunch of their stock before this story hit the press. Seems a little bit too fishy for coincidence. It is very frustrating that a company with so much precious data would be so incompetent at securing it, especially regarding preventative measures. I have a very busy career, and am also regularly busy in my home life. It is difficult to know that for the foreseeable future I will have to take extra time navigating credit information to monitor all of my accounts more than normal, make sure that all IRS/tax issues are closely monitored, and will be constantly nervous that identify theft can potentially happen at any time, regardless of the precautions that I have taken to avoid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. 
I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX  XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Problem on XX/XX/XXXX and XX/XX/XXXX, I requested multiple times for an extension on the deferral but all efforts by multiple people on different days were met with reluctance to dismissal. 

People I spoke to. XXXX, XXXX XXXX and others Ive received nothing in writing showing the request was being processed. 

Its almost like BofA representatives are trained not to process nor request extensions for deferrals to force homeowners into foreclosure. 

Horrible customer service. They just do whatever they want which is nothing.

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 monetary relief
Consumer complaint received 2020-02-27
Company: Experian Information Solutions Inc.
State: KY
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:
I received two letters from XXXX XXXX with notifications that I was deceased. I called them and spent over a hour on the phone trying to correct their mistake. The follow day I received a email from Experian alerting me that my social security number was linked to a deceased person. I attempted to call the number on the email and even attempted another number located on their website/membership contact us page. After multiple failed attempts to make it through their automated system i would like to file a complaint, I am unable to correct this information with them because at no point in their automated system can you, or does it give you the option to speak to an actually human being. This entrain situation has delayed my potential to enlist in the military and had potential ramifications on my credit and other areas of my life if I can not get it resolved. And I am unable to do so because of the inability to actually get into contact with anyone from that credit reporting agency.

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: OR
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 believe I may have been affected by the recent data leak of Equifax. As a precaution I will be submitting this complaint against Equifax on X/XX/2017. I will be taking other actions against Equifax to the best of my ability.

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:
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 the breach via social media. 

This is an undue burden from a company I have never chosen to do business with ; they are a vendor of my vendors/creditors. Please take prompt and decisive action to ensure I am compensated for their negligence. 

I discovered my information may have been compromised on XXXX XXXX, 2017 via Equifax 's website : www.equifaxsecurity2017.com.  After checking to see if my information was compromised, I received the message : " Thank you -- Based on the information provided, we believe that your personal information may have been impacted by this incident ''. I then immediately placed a 90-day Fraud Alert with Equifax, XXXX, and XXXX, and froze my credit with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
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 belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 2022-06-15
Company: SLM CORPORATION
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I currently have loans that are about to go into default through Sallie Mae, and of course this is not what I wanted. I have called several times to explain my financial situation, and I seem to be getting a deaf ear. I currently get paid {$19.00} an hour and work XXXX hours a week for an XXXX clinic. I am doing this to gain the hours need to so that I can gain access to the job I went to school for. After explaining my situation multiple times I am told the only plan is to pay XXXX XXXX monthly. Between my rent, car insurance, groceries, gas, phone/internet, electricity, and paying off credit cards this payment is impossible. I am not in a position where I am trying to not pay. I am willing to work with the department but it feels as though they are not willing to work with me. I plan to pay off these loans. I want to pay off these loans. I took them out when I was XXXX in college because there was no other option available to me. Now I'm in a position where I'm trying to advance in life so that these payments can be made but at the moment it just isn't possible. I am asking if someone will consider where I am, and give me the opportunity to pay what I can to do better. It has been quite difficult dealing with this over the past few months, being put on hold for hours, getting disconnected, and being talked down to while also being threatened to have my wages garnished. I told the people I spoke to I am able to pay $ XXXX {$100.00} a month and I was scoffed at. I am doing the best that I can to make ends meet, and I know that I am not the only person experiecing this.

Please Sir or Ma'am Reconsider your current protocols and procedures in efforts to help those like myself who you were so willing to help when there was hope of a prosperous future when I took out this loan, and now facing my reality that it is almost impossible to get a descent paying job and to be able to make ends meet. I know it's your job to do what you have to do to ensure that these loans are paid back, but when it is obvious that my monthly student loan payments cost more than my rent then this should be a problem for you. Put yourself in my shoes. What if I were your son? Would it matter then?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
To whom it may concern I had XXXX XXXX in a chapter XXXX bankruptcy and in XX/XX/2020 they sent me a letter saying I had to pay even though it was already settled in the bankruptcy last for number of the account is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent numerous requests to this company via certified mail and through the credit bureau requesting proper validation. Each time the company ignored my request and sent the same itemized bills. The have not provided me with documentation showing any type of agreement between me and the party. After doing research on this company this company has been in many lawsuits and is in one as of today for taking away consumers rights.The court documents stated that midland claimed to have a copy of the " consumers who " owe '' them. I requested a copy of this agreement was ignored. Im not obligated to pay a debt buyer who cant validate a debt properly or fail to communicate properly. They 're know to bully consumers all the time.They claimed that on XXXX XXXX,2014 they mailed me a validation letter. I will like to see where i signed for a certified letter from midland. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.They are in Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited toSection 623-b ) I have attached a copy of theFTC opinion letter, a copy of my letter and you can look at case numberXXXX on their poor response and their itemized bill from XXXX XXXX XXXX again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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: Public record information inaccurate

Complaint:
Equifax has been asked multiple times to inform me of whom did they speak with at the court to verify information on bankruptcy that they have placed on my credit report. 

Each time they have insulted me and the CFPB by giving the exact same answer : they did an internal audit and have sent me results. 

The bankruptcy that is incorrectly placed on my credit report is information that I as the consumer need to verify myself. Not an internal audit by Equifax will resolve this issue. 

Equifax wants the CFPB to think that they are investigating my dispute and verifying the information. But Equifax displays disingenuous tactics while I am negatively impacted by financial and emotional. 

I need to have the incorrect information verified by listing whom and where you spoke with the verify this information. This is my third time requesting this information and each time my request have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be advised this is my THIRD WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The information that COMMONWEALTH FINANCIAL claimed to have forwarded this account to be deleted from my credit report on XX/XX/17 CFPB complaint # : XXXX has never been removed from my credit report. You have ignored my request to provide me with the documents that you have in your files that you used to validate the disputed account which means that you have NOT validated or you can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE information which you can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. 

A copy of this complaint as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: EQUIFAX, 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 information incorrect

Complaint:
I sent three letters to XXXX XXXX, Equifax, to verify the information on my credit report but they never sent me any verification I need to know how are they Verifying this information?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have checked all three of the credit reporting agencies and Diversified Adjustment has sent and alleged Debit to the agencies in the amount of {$590.00}. I did not receive any documentation advising me of the alleged debit. I also have a pending case regarding XXXX that I have filed with the CFPB that is still being reviewed. According to the CFPB my rights have been violated because I was not provided with a electronic of mailed validation letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: MN
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 XX/XX/XXXXthat 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. 

According to a phone call to XXXX XXXX on XX/XX/XXXX,  someone tried to apply for a new credit card using my social security number. This is likely a result of the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
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:
MY INFORMATION WAS USED TO OPEN FRAUDULENT ACCOUNTS THE ACCOUNTS LISTED DO NOT BELONG TO ME MY INFORMATION WAS STOLEN I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
On XX/XX/XXXX I filed a complaint with CFPB against Synchrony Bank/Ashley Furniture . Synchrony called on XX/XX/XXXX to confirm receipt of the complaint. In the company response to the CFPB on XX/XX/XXXX, the response had attachments, and it shows the item signed for " XXXX '' on XX/XX/XXXX at XXXX. In none of the documents attached nor submitted, is there anyone in my household by that name. " XXXX '' is not my first nor last name. The vendor delivered to the incorrect resident. 

I called XXXX Customer Service on XX/XX/XXXX on a recorded line and they stated that during " that time '' ( meaning XX/XX/XXXX ) still did no-contact and sometimes the driver would sign for the items. I have initiated a complaint with XXXX  for allowing someone other than me to ever sign for a package that REQUIRED a DIRECT SIGNATURE. Per the XXXX representative, the Shipper listed as XXXX XXXX on an attached document on the company response, needs to initiate a claim to get a reimbursement so that I can have my credit reported accurately. 

This could've been resolved, or initiated sooner, but I was not provided a XXXX  tracking number in XX/XX/XXXX when I requested proof of delivery both in person and over the phone with Ashley 's Furniture and their Guest Response team. Additionally, Synchrony Bank/Ashley Furniture is still attempting to hold me responsible for an item I never received after viewing for themselves that the person that signed for the item is NOT the person whose name is listed as the recipient. Me. I did not receive any items nor did I sign for any items. Synchrony Bank/Ashley Furniture is continuing to falsely report on my credit under the remarks that the account is within FCRA. It is not. An improper investigation was conducted and reported to the CFPB by Synchrony Bank/Ashley Furniture .

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 2020-02-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Prior complaint # XXXX My previous complaint resulted in XXXX XXXX XXXX replying that they will notify the credit bureaus to delete these items from report but it could take 60 days for them to update their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX placed a collection - adverse account on my credit report on the behalf of XXXX XXXX XXXX. They state that XXXX XXXX XXXX deposited money into my account on XX/XX/XXXX in a checking account that I have opened since XX/XX/XXXX. They state that they deposited the money but could not get payment. That is not true!! Additionally, in XX/XX/XXXX someone filed taxes using my SS #. The IRS has since on annual basis issued me a pin to file taxes since they found my identity to be stolen. XXXX XXXX has never contacted me much less placed money in my account. There has n't even be an attempt to withdraw funds from my account or I would have definitely have addressed it. XXXX now refuses to provide proof of funds deposited into my account. XXXX XXXX XXXX states they have no information to give and they even have an incorrect email address for me. I need proof of the deposits and the attempts they took to withdraw the repayment of the loan through my checking account. If they ca n't provide proof it needs to be removed from 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