BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
As I am trying to start my business, and can't borrow money because these credit people sit in jurisdiction over my life, and continue to report me as a XXXX= XXXX, who is like a XXXX XXXX XXXX. As someone who has never applied for credit anywhere. Not only do I have a loan that I have paid over {$100000.00} for, I have a credit card and a car note, but they keep displaying my credit score as XXXX XXXX, and it is ruining my life plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiry I never authorized and I was not aware of. 
This is the inq. reporting on my transunion XXXX Inquiry from XXXX XXXX, XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from 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 explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FCRA violations : accounts not mine XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 7 years 7 months 26 days XXXX XXXX, XXXX : XXXX View account details Account status Age of Account Late payments Closed 4 years 5 months 5 days XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 12 years 1 month 16 days 3 FCRA violations : inquires not mine XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX 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 explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 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 was hacked on XXXX XXXX 2017 and my personal information is now out in the public. I have gone to equifax.com and received an enrollment date for my fraud protection service but I am worried that my identity is already out there as I am not allowed to enroll until the XX/XX/XXXX. I  need to rectify this situation immediately and am not affected for the rest of my life and expect to be compensated fairly for all protection services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MA
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:
Recent cybersecurity breach at Equifax led to release of personal information of millions of users ' social security numbers and other important personal information that can lead to identify theft crimes. I am one of them. I have tried to resolve the issue with Equifax and while they admit the breach, they can not provide sufficient protection that will ensure that my identify will not be stolen. For example, 1-year of credit monitoring is too short, as my social security number ( SSN ) will now be in public forever. Also, even if I were to change the SSN, Equipfax does not provide any assistance/compensation regarding the times I lost changing my SSN, contacting various financial/governmental agencies to inform that I have changed my SSN, and other time/energy/finance consuming activities that will entail. The company 's response to one of the most serious security breach is insufficient for consumers to be protected from the identify theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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 swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. Please note I am the only natural person writing this statement. There is no 3rd party helping me with this matter. The credit reporting agency failed to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. Please see attached letter that was sent.

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 2022-07-11
Company: Social Finance, Inc.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank offered a promo that offered {$20.00} to check one 's rate for a personal loan ( see attached emailed offer ). 

I had completed the steps yet the bonus was not credited as promised. I had chatted in about the issue on XX/XX/2022 and was promised resolution withing 7 days but unfortunately did not hear back from the bank nor receive the promised bonus.

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 negligently allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. Their failure to secure my data has compromised my entire credit history. I have not yet been the victim of identity theft, but I am certainly at a huge risk. I checked their website to see if I was at risk for being impacted, and it said this : " Based on the information provided, we believe that your personal information may have been impacted by this event ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: DISCOVER BANK
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, i called wells fargo to cancel the new card that was opened fraudulently in my name. on XX/XX/XXXX the impersonator of me contacted wells fargo and they reopened the credit card that i received confirmation of being closed. On XX/XX/XXXX i received notice from wells fargo that the credit card that had been fraudulently reopened now had a balance on it of {$20000.00} of purchases that i have not made since i do not have this card. Wells Fargo has done nothing for me. the impersonator has opened many accounts at wells fargo in my name and i have closed all accounts at wells fargo and they keep reopening them. i need these accounts to be closed and noted that they are fraudulent.

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 2022-07-11
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report and noticed some hard inquires that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a secured card with capitol one but was promised that after 1 year of on-time payment I would 1 receive a credit limit increase called several times after the year but always received conflicting in accurate false answers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XX/XX/2021, a fraudulent withdrawal was made to my Direct Express Deposit account from a cardless ATM machine, located in XXXX XXXX, California. I have followed all the instructions provided by Direct Express to have them return the funds of {$1000.00} to my account, including an extensive answer form, a police report, a statement about the circumstances, etc. It is clear that this is a fraud or identity theft perpetrated on my account. I have given a very consistent statement to Direct Express about this situation. Direct Express claims there are inconsistencies in my report, there are NOT. Direct Express refuses to refund my money and has closed the dispute. I can not reach Direct Express to discuss the situation. They schedule telephone calls to me that they never make. They are perpetrating and participating in a fraud on my account and I can not get any information. They take me around and around in a circle to get this scenario resolved and there is NO XXXX to appeal too or adjudicate the matter. It is a blank wall to try to deal with them. This is a very exasperating and dangerous situation for the consumer, especially a person who relies on Social Security deposits to cover their expenses. Direct Express does this because there seems to be no remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: WA
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 submitted a dispute of hard inquiries in which I did not authorize on my credit report. After submitting my report, I called Equifax to get the information to fax over my supporting documents. I was told I needed to submit my police report or FTC report, a copy of my driver 's license, social security card and make sure to include a cover letter with all of my identifying information. That same day I went up to XXXX  to have all of my documents faxed over to Equifax. I called them on XX/XX/XXXX to confirm they received all of the necessary information and was told although I faxed all of the documents, it still would take 3-5 business days to process and to check back the following week. On XX/XX/XXXX, I called and spoke to a representative named XXXX who informed me that my dispute was closed on XX/XX/XXXX ( Sunday ) ( I never received notification ) because my supporting documents were hard to read. She stated that the copy of my social security card was very dark. I asked to speak to her supervisor, XXXX, in the Fraud Department and she told me the same thing basically. My frustration is that my dispute was not thoroughly investigated and if document were needed to be re-fax the proper order would have been to notify me but to just close my dispute as if it was investigated was not right. I spent {$15.00} paying to have the documents faxed all for them to say because they could see the copy of my social security card clearly but could see my other documents. I informed her I would be sending the documents in the mail and would have them overnighted but it is very disappointing to have to spend more money and time when I thought this whole time they had everything they needed. I did not ever have these issues when I went through this same process with XXXX  or XXXX. I am reattaching what I sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Berlin-Wheeler, Inc. (Kansas)
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I obtained my consumer credit profile on XX/XX/2021 and discovered from XXXX and XXXX that BERLIN WHEELER INC. is alleging a balance owed in the amount of { {$380.00} }. Since then, the below mentioned company was given two ( 2 ) notices of claim dispute to verify their permissible purposes for intrusion, fraud, and damages to my credit profile and personal character. I have yet to receive a response. BERLIN WHEELER INC. is a debt collector pursuant to 15 USC 1681. I am a consumer defined by 15 USC 1681 seq. BERLIN WHEELER , INC., is not a creditor, and I have not applied for, neither received any services or credit with their particular entity. Therefore their intrusion in my personal credit file constitutes a willful and negligent violation of 15 USC 1681 ( b ) which would also be a criminal offense ( felony ) punishable under Title 18 USC, the penalty being a fine and or two years imprisonment, and a civil liability exists within 15 USC 1681 ( n. ) This violation may also constitute a tort claim for identity theft. Again, this reporting is unlawful and I am requesting immediate removal.

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 2021-08-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I am trying to apply for a Home Loan, XXXX  Credit Score was XXXX  on Experian, and they dropped it by 26 points for just one account credit card, which is my XXXX  XXXX  XXXX. I just had a {$100.00} purchase on {$2800.00} credit limit. This is very unfair, now I have to wait for another month and the house I wanted to acquire is going to be gone. I called their customer service, there is no live person, the automated system has no option to speak with a live person. This is horrendous, all my other Bureaus are over XXXX, Experian has some faulty algorithms, I feel they need to be checked and vetted.

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: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was affected by Equifax 's data breach. Equifax said the breach happened between mid-XX/XX/XXXX and XX/XX/XXXX. It discovered the hack on XX/XX/XXXX. However, Equifax only informed the public on XX/XX/XXXX. The  reporting agency has not only been irresponsible with my data, but also duplicitous ; they have know about this breach for over a month and ( to add insult to injury ) attempted to trick me into waiving my rights to sue them through their coercive " opt-in '' process when I went to check if I was affected by the breach. 

I am saving to buy a house, and have spent the last decade rebuilding my credit score. This mishandling of the breach is completely unwarranted and is wrong on the most fundamental level. By waiting over a month to announce the breach, they have robbed me of precious time to proactively set up a credit freeze. I can only imagine the horrors that will come from this breach in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: LEXISNEXIS
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:
Ive have submitted a ( 3 ) disputes on this matter to no avail, constantly reporting accounts of missed payments, and charge-offs As accurate when it is in included in XXXX  XXXX  XXXX. Its affecting my life I was recently turned down for school for this the adverse letter specified that I have late accounts and charge offs

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: OH
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 number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, 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. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
There's incorrect information on my credit report and I've been trying to fix it for a long time and had no luck. Account stay there open account say they're closed there is wrong information and payment information being reported and not being reported my score is contradicting the information on the report my personal information is incorrect and I feel like Experian XXXX  and XXXX  have been discriminative towards my situation and very unhelpful and I'm unprofessional and resolving my issues

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 2022-07-11
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sequoia Financial Services initially appeared on my credit report in XX/XX/XXXX with an opening balance of {$1400.00} for money they claim was owed to The City of XXXX XXXX. 

I was never provided any documentation informing me what was being charged or for what periods. I did have Utility services with XXXX but once I left the area I close my account with them in the year XXXX leaving a XXXX balance.

Company response to consumer: Closed with explanation