BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/22 I received a text message from ( XXXX ) XXXX FreeMsg : From Fifth Third Bank : Did you attempt {$580.00} at XXXX  Shopping Center? Reply YES or NO. If YES, you will not be charged unless you try again. If NO, we will mark this transaction as fraudulent. Msg & data rates may apply. 

I have never even heard of this bank or filled an applications with them. I would like for you to investigate the credibility of this bank themselves! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed disputes with the credit bureaus well over 30 days ago, filed a police report and called the creditors, The following accounts were not opened by me and falsely reporting to my credit report : 1. XXXX  XXXX XXXX : opened XX/XX/XXXX, 2. XXXX XXXX ; opened XX/XX/XXXX 3. Syncb/CARECR ; opened XX/XX/XXXX ; Account # XXXX* 4. XXXX XXXX Account # XXXX 5. XXXX XXXX XXXX Date opened XX/XX/XXXX Account # XXXX or XXXX 6. XXXX XXXX : Account # XXXX Date Opened : XX/XX/XXXX 7. SYCB/CARECR : Account Number : XXXX 8. XXXX : Account # : XXXX Date Opened : XX/XX/XXXX 9. XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX ) acct # XXXX The following inquires were not authorized by me : 1. XXXX  XXXX XXXX XXXX Bank ) XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX - XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XXXX XXXX : Date XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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: MI
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 did not know how to categorize this complaint. This is in regard to the Equifax security breach that happened somewhere between XXXX and XXXX, but was not reported to consumers until XXXX. I am one of the MILLIONS of consumers whose data may have been breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
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: Information belongs to someone else

Complaint:
While checking my credit report, I notice an account from XXXX XXXX XXXXXXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXXXXXX XXXX XXXXXXXX XXXX XXXX reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2021-03-10
Company: AVANTE
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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX ... AVANTE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
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 was advised to contact this agency about items on my credit that are not mine. XXXX, XXXX AND XXXX. I have contacted the FTC and my local police. There are also inquiries on my report that e.re not mines.XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this on my own behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Paid {$30.00} to a division of Citizens Bank to get a lien release on a paid off XXXX  XXXX that was owned by XXXX XXXX The Citizen person said everything was in order with my request Today I received an email stating they will not be sending me the lien release

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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: 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 mishandled my information in a grossly negligent way which has led to a breach that puts myself and hundreds of 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 on XXXX XXXX. What Equifax has done so far is NOT ENOUGH and leaves myself and hundreds of millions of others at risk of severe financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: DE
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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 2022-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX should not be reporting to XXXX  ; XXXX  and Transunion that I am ( 90-120 ) days late on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was granted payment arrangements on this account via the CARES Act. XXXX  XXXX XXXX agreed to the terms of the payment arrangements and assured me that this account would not be in jeopardy under our agreement. I was also told that no late payments would report. XXXX  XXXX XXXX did not honor our agreement and consequently they reported this account to the bureaus as being late. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and these lates need to be removed. I have contacted XXXX  XXXX XXXX as well as the bureaus to fix this however, I have not been successful.

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:
It was just reported ( XXXX XXXX 2017 ) that Equifax, one of the 3 main credit reporting bureaus, was hacked and breached, beginning in XX/XX/XXXX, and millions of Equifax users, like myself, may have had very sensitive personal information stolen. I am outraged at the delay in reporting the breach to consumers, which, according to security experts, could have been prevented by creating multiple layers of security that Equifax did not install. Moreover, it was additionally reported that several high ranking Equifax executives sold millions of dollars of Equifax shares before the breach was made public. These people should be prosecuted, if possible, but at the very least they should be fined an amount that exceeds any profit made on the sale of their shares. 

Equifax created a webpage for consumers that supposedly would allow them to check if they had their data compromised. When I attempted to go to this page, my XXXX security software issued a warning that this site was a high risk. Im not sure what steps Ill take next, but I want to complain in the strongest possible terms about the incompetent and indifferent actions Equifax took and is taking in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received notice that my personal information may have been compromised on XX/XX/XXXX. I tried to enroll for protection via Equifax organization. I was told by Equifax agent that enrollment was not possible until XX/XX/XXXX and that I 'll have to return to attempt enrollment again at the later date. Equifax stated no enrollment was possible now and I 'll have to make time and effort to enroll at the later date. I am now requesting that the Consumer Financial Protection Bureau take action and help us, i.e. to determine root cause for this security breach and to protect the American consumer by regulating this industry so the frequency of security breaches is reduced or prevented.

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 's data breach and their options for credit security is not sufficient. They lost all my credit information, and only give us 1 year of identify theft monitoring. After 1 year, we will shoulder the cost of their mistake. Additionally, in order to freeze my credit account, it will cost more money in their own firm when it is their fault they caused this data leak. This is truly unfair.

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 leaked personal and financial information on hundreds of millions of Americans. I am one of them - the Equifax website confirmed my info was leaked. 

As someone in the XXXX XXXX field, the only explanation for this is gross incompetence. It should not be possible for a leak of this magnitude to take place. 

There should be a full investigation with civil and criminal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
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:
I didnt recognize XXXX XXXX inquiry in 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 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 feel I'm a victim of XXXX XXXX XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a collection letter from a company called IC System , Inc. on behalf of XXXX claiming that I owe {$4400.00}. However, I have never opened a XXXX Account. I contacted IC System and sent them a letter on XX/XX/XXXX, requesting verification of this debt. On XX/XX/XXXX, I received a letter from IC System stating that they were unable to verify this debt and removed the debt from my credit report. As an additional measure, I went to my local police station and completed a police report about this identify theft. 

However, on XX/XX/XXXX, I received a letter from a new debt collector, XXXX XXXX XXXX XXXX XXXX attempting to collect a XXXX Debt in the amount of {$4400.00}. XXXX and the subsequent debt collectors have been unable to verify this debt but are still continuing to try to collect this debt. They are now contacting me at my office as well. I have no idea how to resolve this matter further and I am seeking your assistance. Thank you.

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 2022-07-13
Company: EQUIFAX, INC.
State: MN
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
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: Account status incorrect

Complaint:
To someone who can help me. I am deeply upset because I have denied for housing due to a false and inaccurate account on my consumer report. I dont how this happen but it needs to be removed asap. XXXX XXXX and these three bureaus have messed things up with my comsumer report. I dont have debts and I dont owe anyone. XXXX XXXX is committing illegal activity under FCRA 609 by fraudulently and illegally placing an item that is obviously mixed up with someone else because this account is not mine.. This is very unethical and its on ALL my credit reports. this false debt is not mine and I can prove it. I have attached a letter from XXXX XXXX themselves sending me reimbursement for the error they committed. These bureaus is violating my rights as a consumer by reporting an inaccurate account after even notifying them, under FCRA section 609 this must be removed from my credit report immediately. You cant just place an false item on someone report and say they owe something. Thats FRAUD. THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVESTIGATION BY THE ATTORNEY GENERALS OF TWO STATES, THE CFPB, THE CONSUMER SENTINEL DATABASE, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD, EMOTIONAL DISTRESS, AND ILEGAL ACTIVITY.

Company response to consumer: Closed with explanation