BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have tried to dispute this information about hunter Warfield about a debit that I don't know anything about and they want take it off my credit report says that I owe money from them about a loan I didn't not apply for in my name and someone used an address with my information that I never lived at and that it was opened in XX/XX/2019 that year I had an XXXX  XXXX and was in the XXXX  and I didn't apply for I'm a victim of identity theft and someone using my credit to apply for credit and XXXX   loans and they making payments on the student loan that I know anything about and someone has a mortgage open in my name as well I know nothing about and and I never had bankruptcy or any kind or with and credit union

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was potentially 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 2017-09-09
Company: EQUIFAX, INC.
State: PA
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 did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

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:
I sent my letter off XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letters I sent out and here is the Tracking # XXXX, XXXX, XXXX According to the FRCA The term '' investigative consumer report '' means a consumer report or portion thereof in which information a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to FRCA 15 USC 1681 everything have to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX 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 2017-09-09
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, 2017, Equifax Inc.announced a cyber security incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from XXXX through XXXX XXXX. 

According to www.equifaxsecurity2017.com, my credit report information may have been compromised : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: PA
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 one of the 143 million people potentially impacted by the hacking/data loss at Equifax. As of this time, I have no idea what this will mean for me, but at the very least it will require an amount of additional time and personal effort. At worst, I will be much more likely to be a victim of fraud in the future. 

Until such time as a new and more secure system is developed for managing personal information and credit, I and the millions of other victims of this hack must live with its consequences, with virtually no measure available to us to have prevented it. This is the real crime -- that the consumer is rendered powerless to protect him or herself without incurring substantial costs. The remedies Equifax has offered are insufficient given the magnitude of the breach and potential consequences to its unwilling customers.

Company response to consumer: Closed with explanation
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: Problem with fraud alerts or security freezes

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: 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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXXXXXX XXXX ( Account Number : XXXX, Open Date XX/XX/XXXX, Credit limit : {$700.00} ), XXXX XXXX ( Account Number : XXXX, Open Date XX/XX/XXXX Credit limit : {$250.00} ), XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$250.00} ), XXXX XXXX Account Number : XXXX, Open Date XX/XX/XXXX, Credit limit : {$400.00} ), XXXX XXXX  ( Account Number : XXXX, Date Opened XX/XX/XXXX, High Balance {$2000.00}, Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX  ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2020-08-19
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: Account status incorrect

Complaint:
Companies included : Experian, XXXX XXXX, XXXX XXXX, XXXX Experian has consistently falsely reported the wrong information regarding each of these other companies, and has failed to change the negative information after conducting two disputes per account, or company. 
I paid off my XXXX XXXX account and have the documentation that proves it but I should think XXXX XXXX could verify that fact. The account status was last verified in XXXX of 2020, but I cant seem to get the correct info to Experian to correct their error. Similar issues with XXXX and XXXX accounts. I truly have no knowledge of a XXXX XXXX account and it shows I never made a single purchase with the account, but it reflects negatively on my credit report and Experian will not dispute it again. XXXX   sold me a new SIM card years ago at ne if there store locations, but I didnt have time to pick out a new device for my new added line, because the store was closing for the day. I never ended up using that SIM card at all in any device but six months later I was getting collection notices from XXXX where they had assigned me a device and a plan that NEVER existed, I never even took the sim out of its Plastic punch out card holder. I went to the store first where I bought the card and they passed the buck to customer service via telephone to address my issue, customer service referred me back to the store for help. Meanwhile, I have 6-8 months of charges for a phone and a plan that I never signed up for saw or used. What can I do?

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 2020-06-22
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX I requested that the unverified ( Chapter XXXX Bankruptcy Acct # XXXX XXXX be removed due to non-verification of this account belonging to me. Per FCRA section 609 ( a ) 2 the credit bureau is obligated by law to disclose to me the source they are claiming to have verified this account with as being mine. FCRA states that the furnisher of the debt is the only person or entity that can verify that the debt belongs to the debtor. In this case that would be the United States Bankruptcy Court XXXX XXXX of Wisconsin. 

I have submitted proof via postal correspondence dated XX/XX/XXXX, from U.S. Bankruptcy Court Clerk, XXXX XXXX XXXX that the court " does not report information to any credit agency. '' Equifax is required by law to provide me the Business name,  address, and phone number of the source they verified this account with. I was not provided that I have only been told that a vendor verified the information with them that the account is verified as being mine. 

This does not constitute as a Proper Investigation, I need the name of the business, the address, and the phone number of the person Equifax verified this information with. Third party credit reporting agency information is not considered the original furnisher of the debt. 

I have submitted proof to Equifax that the original furnisher of this debt states that it " does not report information to any credit agency. '' Please delete this unverified account immediately. TransUnion was reporting this same account and after receiving the proof of this letter from the U.S. Bankruptcy courts, they deleted the unverified account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, 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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$470.00} ), XXXX XXXX  ED/XXXX ( Date opened XX/XX/XXXX, Balance {$1900.00} ), XXXX ( Date opened XX/XX/XXXX, Credit limit {$2000.00} ), XXXXXXXX XXXX  ( Date opened XX/XX/XXXX, Credit limit {$2800.00} ), XXXX ( Date opened XX/XX/XXXX, Credit limit {$300.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: BANK OF THE WEST
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XX/XX/XXXX ( est. ), Bank of the West opened a credit card account and sent me a Credit Card associated with this account. I had NEVER requested a new credit card as I have several other general credit cards, as well as a Bank of the West Debit Card and a XXXX XXXX XXXX ( at the time with over $ 1M ). 

Around the XX/XX/XXXX timeframe, I accidentally used the card at XXXX for {$5.00}. Subsequent to this, no bill was mailed or emailed to me. And none since. As well I didn't receive any phone call from Bank of the West concerning this account and the {$5.00} charge. 

After checking on my credit rating concerning a potential HELOC loan, I realized there was a {$94.00} outstanding charge. I then reached out to Bank of the West concerning this charge and account. I immediately paid the {$94.00} to Bank of the West and closed the account ( XX/XX/XXXX ). 

I immediately filed a complaint with Bank of the West asking for them to reverse the credit reporting incident since they are responsible for creating the account/situation. they have not yet responded to me in any form. 

As well, I filed a dispute with all three credit bureaus. Their response back to me indicated Bank of the West was not willing to change their representation of the outstanding account/issue. 

With over $ 1M in a XXXX XXXX and several {$0000.00} in our checking account, as well an over 45 year customer of Bank of the West, I would have hoped Bank of the West would have made more of an effort to contact me concerning this issue. 

finally, I find it very disturbing that a Bank can send a credit card ( without authorization ) to a customer, then report on non-payment without mail, email, or phone contact to their customer. This is misleading at best. Fraudulent in my view.

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 2017-09-09
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:
My personal information was released due to the improper release of information from Equifax servers. That information included my name, Social Security number, birth date, addresses, drivers license number, and might include credit card numbers. I have requested Equifax put a fraud alert on my account.

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: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX! I sent in letters to the following 3 credit bureau regarding my credit cause I was curious to where did they get the following information regarding a Bankruptcy that was places on the credit. I got a letter for all 3 credit bureau : XXXX, XXXX, and Transunion stating in a mail letter that the information was verified with XXXX XXXX. I reached out to XXXX seeing how was they able to verified a bankruptcy that's on my personal credit. A Rep name XXXX reference no. XXXX on XX/XX/XXXX stated that the information is inaccurate that XXXX never verified any information with any of the credit bureau. I was send a letter from XXXX stating the same information on the phone conversation with the Rep. XXXX. XXXX removed the following information from system.I have a letter that proof my conversation. I later contact the United States Bankruptcy Court of Northern District of IL. to asked if their company reports to the 3 credit bureau about my credit and they stated that they do not verify any information of the source. I was send out a letter on XX/XX/XXXX from Bankruptcy court supporting the conversation.A credit freeze was place on my credit from me in 04/2021so can completed a reinvestigation with all 3 Credit Bureau regarding the inaccurate information of the Bankrupyvy reporting on my credit to get the same letter from XXXX, XXXX, and TransuUnion stating that they verified the information again with all three credit bureau XXXX, TransUnion and XXXX  reporting false and inaccurate information on my credit report and due that issue they has violated my rights according to the Freedom Foundation, a V Seiu Health NorthWest Training Partnership, a 501 ( c ) ( 3 ) Trade Secret Misappropriation Privacy Act of 1974 Violations 5 USC 552a Violations 31 USC 371 1 ( e ) Violations Public Records Act Violation Commercial Purpose Declaration 42.56.070 ( 8 )

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 2020-04-23
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Reporting twice on my credit report. Which is damaging to my credit. Please remove from my credit report. I am under a IDReplayment plan with Department of Education. Navinet is continunously reporting my payments late. I would like them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: AR
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:
Main address XXXX XXXX XXXX, XXXX XXXX XXXX, Ar XXXX Previous XXXX XXXX XXXX XXXX, XXXX XXXX, Ar XXXX Incorrect address are being reported. I fax information and contacted them by email Equifax .Photo and one the my 2 previous job W2 forms. That 's show address My name is incorrect and I ask all for all inaccurate mis spelling name be removed. As I go. XXXX XXXX XXXX ( previous ) XXXX XXXX as current name. I fax over information and they mess up my reporting over worse than before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
My SSN was in the XXXX breech and XXXX XXXXXXXX Breech and my credit has Been ruined ever Since I always had good credit and now I cant even get a bank account or A XXXX pack of gum!!! Please help without credit in American you cant do XXXX buy a house Car nothing please help, Who do I ask for a 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