BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX is erroneously reporting an account as delinquent. This account was paid in full and never late. Please see the enclosed documents. 

XXXX XXXX XXXX XXXX not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25
Company: Experian Information Solutions Inc.
State: MA
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 GOT LAID OFF DUE TO XXXX  AND XXXX XXXX XXXX. I WAS UNABLE TO MAKE MINIMUM PAYMENTS FOR XXXX AND XXXX OF XXXX DUE TO UNEMPLOYMENT TAKING MONTHS. I HAVE NOW PAID THE PAST DUE BALANCE AND WILL CONTINUTE ON WITH MY REGULAR PAYMENTS OFF OF THE ACCOUNT. I HAVE NEVER HAD A MISSED PAYMENT SINCE XXXX. THE NEGATIVE REPORTING IS DRASTICALLY AFFECTING MY CREDIT PROFILE.

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 2017-10-22
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX XXXX, Advanced Collection Bureau XXXX XXXX XXXX XXXX, XXXX, XXXX of phone XXXX XXXX XXXX reached out to me saying I owed a {$270.00} debt to XXXX XXXX. I told them I had already been contacted by XXXX XXXX. I explain then and now that there was no deductible for that procedure, and that both the hospital and the insurance company verified this before the procedure as this was a requirement by me before agreeing to the procedure. This is a data entry error on XXXX XXXX part. After I explained this, they stood down from the collection realizing it was an error.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: TX
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 reported all 3 major credit bureaus XXXX, Equifax, and XXXX that the collection from XXXX XXXX for XXXX XXXX XXXX has many inaccuracies. 
These inaccuracies are causing me emotional mental distress due to the fact I can not I apply for credit to make major purchases for myself without paying having to pay high interest due to these inaccuracies. 
XXXX and Equifax are reporting a different account number from XXXX. XXXX and Equifax are reporting a high balance of {$1500.00} and XXXX is reporting a high balance of {$1500.00} which is different from the other 2 Credit Bureaus. XXXX is reporting date of last activity of XX/XX/XXXX, Equifax is reporting a date of last activity of XX/XX/XXXX and XXXX is reporting a date of last activity of XX/XX/XXXX all dates different each bureau. XXXX and Equifax is reporting balance owed of {$1600.00} and XXXX is reporting balance owed of {$1600.00} and balance owed is higher than the high balance amount. XXXX and Equifax are reporting on account status as closed and XXXX is reporting account status as open. Also a collection account can not be listed as an open account. 

XXXX XXXX XXXX XXXX Equifax Account # : -- XXXX XXXX High Balance : -- {$1500.00} {$1500.00} Last Verified : -- -- -- Date of Last Activity : -- XX/XX/XXXX XX/XX/XXXX Date Reported : -- XX/XX/XXXX XX/XX/XXXX Date Opened : -- XX/XX/XXXX XX/XX/XXXX Balance Owed : -- {$1600.00} {$1600.00} Closed Date : -- -- -- Account Rating : -- Derogatory Derogatory Account Description : -- Joint Joint Dispute Status : -- Account not disputed Account disputed Creditor Type : -- Other Collection Agencies Other Collection Agencies Account Status : -- Closed Closed Payment Status : -- Collection/Chargeoff Collection/Chargeoff Creditor Remarks : -- Customer disputedaccount - reported bysubscriber. 
Consumer disputes thisaccount information Subject has not satisfieddebt. 
Original Creditor : -- XXXX XXXX XXXX XXXX XXXX Last Payment : -- -- -- Past Due Amount : -- {$0.00} {$0.00} Account Type : -- -- -- XXXX XXXX XXXX XXXX Account # : XXXX -- -- High Balance : {$1500.00} -- -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX -- -- Date Opened : XX/XX/XXXX -- -- Balance Owed : {$1600.00} -- -- Closed Date : -- -- -- Account Rating : Derogatory -- -- Account Description : Joint -- -- Dispute Status : Account not disputed -- -- Creditor Type : Collection Services -- -- Account Status : Open -- -- Payment Status : Collection/Chargeoff -- -- Creditor Remarks : Account informationdisputed by consumer, meets FCRArequirements -- -- Original Creditor : XXXX XXXX XXXX -- -- Last Payment : -- -- -- Past Due Amount : {$0.00} -- -- Account Type :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
During XX/XX/XXXX to XXXX 2017, Equifax was the victim of a cyber attack that resulted in over 140 million sets of personal identification stolen, including my own ( as reported after I enteredy information in at " www.equifaxsecurity2017.com ''. After examining the reports publicly available regarding the attack, it is very likely that the atrack was facilitated in large part by the negligence of Equifax to properly secure the aforementioned personal records. Their negligence means that I must now monitor my credit at a far more frequent level than is typically necessary. 

Furthermore, because of the nature of the information stolen, applying a credit freeze at the three bureaus ( Equifax, XXXX, and XXXX ) may be ineffective. This is due to the fact that a new PIN number to un-freeze the credit can be obtained by submitting the very information that was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
It started on XX/XX/2019. Between XXXX XXXX and XX/XX/XXXX, the criminals charged more than XXXX on my AMEX Bloomingdale 's account. Yesterday ( XX/XX/19 ) I got a letter from Bloomingdale 's Fraud Department saying their investigation was complete and that I owed XXXX. They say I am responsible for the charges in question. They said my account can only be accessed by the card issued by them. And that it was used at a chip enabled card reader. I have been a customer at Bloomingdales for about 73 years. Never a late payment. Never make large charges as these are. Or at the places these were charged. They can see that if they review my history with them. 

I have both my cards. Fraud Dept. told me the criminals have my birth date, social security number and a lot more of my personal info. The fraud dept. knows a lot more than they are telling me. The criminal wife was called on one of their large purchases and said that it was okay. that her husband had made it. i haven't had a husband since XXXX. 

I have been dealing with the XXXX XXXX XXXX XXXX police, Sargent XXXX XXXX ( phone XXXX XXXX XXXX ) head of the crime department of the XXXX XXXX police, the three credit companies ( froze them ). And have spoken to the Fraud department several times so was shocked to receive this letter. Police also spoke to the Fraud department. My case with the XXXX Sheriff 's office is XXXX. Bloomingdales case # is XXXX. Initial claim on old account ending in XXXX is 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 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:
My personal information was improperly stored on Equifax and compromised when a security breach occurred between XXXX and XXXX 2017. I obtained my Equifax credit report via XXXX and discovered it was linked to another individual 's identity. I believe my identity could be stolen, which would negatively impact my credit score, financial trustworthiness, and personal health.

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:
On XXXX XXXX, 2017 I read news that a huge number of people 's social security data maintained by credit reporting agency equifax has been compromised. I visited the website - XXXX XXXX XXXX - provided by Equifax to check if my social security data was compromised as well and the tool informed me that I *may* be affected. This is very concerning to me & the company is not providing accurate information and is only offering free credit monitoring service as a consolation. 

The company should instead accurately, and with certainty, inform me if my data has been compromised and provide steps or take action to correct the misdoings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: ME
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 stored by Equifax and compromised by hackers. I now must spend extra time and energy protecting my credit history, potentially freezing my credit during a period where it was increasing, thus doing long-term damage to me and my family. The financial insecurity aside, the emotional insecurity of knowing that this agency has utterly lost any credibility or trust in handling my personal data is damaging by itself.

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:
Equifax 's poor security concerning consumer data 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. This leak happened more than a month ago, and they still are not notifying potential victims. 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. I think it is ridiculous that they only offer 1 year of free protection, and that they make us accept terms that include an arbitration clause. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Consumers should not have to file a police report to receive a free credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
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:
I AM A VICTIM OF IDENITY THEFT. I SENT INTHE ID THEFT AFFIDAVIT AND POLICE REPORT AS I WAS INSTRUCTED WHEN I CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND XXXX   CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION TO THE FCRA LAWS. I WOULD LOVE FOR XXXX TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPLEN BY THE THEFT AND NOT ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am currently writing in to dispute a charge that comes up on my credit for XXXX XXXX. I have never had an account with XXXX XXXX and I do not owe a debt to XXXX XXXX I have asked repeatedly that the company remove the information that is enormously listed on my credit. It shows that the creditor is XXXX XXXX XXXX. I have asked XXXX  to provide a contract that I signed with them and they are not able to verify that information and or provide actual documents that I show that I had a contract directly with them. The company has repeatedly sent notices of collections using harassing language but again has failed to provide a contract signed by me with XXXX XXXX and because of that there is no validity to the debt that is showing up on my credit report. XXXX XXXX has repeatedly failed to provide the proper documents and by law a third party agency can not collect on a debt not belonging to them. If the information is not removed from ALL Credit Bureaus I plan to seek further legal action in getting the information removed from all 3 credit bureaus!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05
Company: CITY NATIONAL BANK
State: NY
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:
I called City National Bank to close my Visa card on XX/XX/XXXX XXXX days before the annual fee was due ). I spoke to my relationship manager ( XXXX XXXX XXXX and he confirmed he would close the card. 

On XX/XX/XXXX, I get a notification from the credit bureaus that my credit score dropped from XXXX to XXXX XXXX! ) because I am late on a payment to CNB. I called them multiple times to remedy the situation but have not received any responses.

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:
My personal information was leaked by Equifax due to inadequate cyber security measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: NV
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:
Hi I am submitting thisXXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
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: Personal information incorrect

Complaint:
All names should be removed from my profile besides my given name.

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 2022-08-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX and XXXXXXXX XXXX acct # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Dear XXXX, Transunion, and XXXX  The tradeline XXXX is currently reporting fraudulently with incomplete, false, inaccurate, and unverifiable data. This is after CRA 's and one furnisher stated that the account is verified accurate and complete on XX/XX/XXXX. There are still many inaccurate data on my report. I would like this deleted immediately and update CRA 's and furnisher. If furnishers are contacted, please provide name, address, phone for this reinvestigation. If documents or data used to determine your review, please share. Basically I would like the procedures of reinvestigation for my file disclosure that pertains to me. 

1. account name : XXXX XXXX wrong : Its XXXX XXXX see attached 2. date opened : XXXX wrong : Its XX/XX/XXXX - see attached 3. The balance - XXXX : There should be no balance if original creditor transfer it. 
4. Payment is info is reporting wrong from XX/XX/XXXX to XX/XX/XXXX ( increments from XXXX to XXXX to XXXX to XXXX ) 5. status date of XX/XX/XXXX is wrong. there should be no activity after closing date of XX/XX/XXXX. 
6. i sold the house and pay off the mortgage in XXXX XXXX see attached.

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 2022-02-08
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Received letter from TD bank that there was insufficient funds in my checking account. I do not have a checking account at TD bank. They say last XXXX of acct. no. is XXXX. 
XX/XX/22. I called their fraud section.

Company response to consumer: Closed with non-monetary relief
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:
My information was breached in the Equifax hack that occurred on or before XXXX 2017. All of my personal data was stolen, including SSN, full name, addresses, credit card numbers, and more.
Equifax stored the information with a very low level of security that made this possible. If they followed correct encryption and sensitive data storage practices, my information would be safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: AL
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2021-06-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
chase bank allowed a third party some law form to place a hold on my checking acct. this was a joined account but I have communicated with my husband for the last 5yrs. i did not remove his name from my checking acct, but the bank should have reviewed the acct that is only apportioned by me XXXX has nothing to do with my acct. why a third party went in my personal checking acct and place a hold

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Well I was getting my eff payments thru bank of America and they closed my account because of the whole ID.me thing but I have a balance of over 2000 and I can't access it or transfer it because the account is closed

Company response to consumer: Closed with explanation