BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: CT
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 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 an 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 explanation
Consumer complaint received 2021-08-25
Company: J J Marshall & Associates, Inc
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I am having a hard time dealing with this collection agency, JJ Marshall & Associates. The alleged debt was originally from a credit union. JJ Marshall & Associates claims that I owe {$270.00}, this is inaccurate and untrue. Not to mention, I never received any type of notification that I owed money, this collection just randomly showed up on my credit report. I have emailed and sent hand written letters to the executive departments of both the original creditor and JJ Marshall & Associates, neither of them can validate the exact amount they claim that I owe or the dates of any activity. I have also disputed this collection account through the credit bureaus and each time it comes back verified. It is disturbing how much damage these companies can do to a person 's financial life and yet not even blink an eye when we request information and accuracy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: AZ
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've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX XXXX- {$25000.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXXXXXX {$13000.00} XXXX XXXXXXXX XXXX  XXXX {$9900.00} XXXX XXXX  XXXX- {$29000.00} XXXX XXXX XXXX- {$18000.00}

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 2016-12-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I 've been a happy Citi customer for over a decade, however most recently there has an issue that arose from theft on my Citi checking account that led to problems with my credit report. This has been a very frustrating issue as I 've brought this issue up with Citi to no avail, and I find my credit score heavily tarnished due to a small missed payment, which in effect was Citi 's mistake. XX/XX/2015, my checkbook was stolen and my account information was compromised I was told by Citi to close the account and start up the new account. In XX/XX/XXXX I went to the Citi branch and started up a new account and closed the old account. Unfortunately, without my knowledge, the account was re-opened and then over drafted due to an ACH, which I was not aware of at the time. This account ended up being overdrawn and it ended up maxing out a small overdraft line of credit which had a credit limit of a few hundred dollars. On XX/XX/2015 when I was at the Citi Branch, only then was I made aware by the teller there of the old account not being closed and was still honoring old ACH 's and had a balance of {$38.00}, so I promptly made a {$750.00} deposit towards that account o make sure it did n't get overdrawn. So the account ended up having a balance of {$780.00}. However the teller failed to tell me that the line of credit linked to it had also not been closed and was indeed maxed out and past due. I only got alerted of this later when I checked my credit report, at which time I promptly paid off the line of credit. All the while in my new account, I had funds between $ XXXX- {$8000.00}, which were more than sufficient to payoff the overdraft reserve line

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 2020-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Capitol One added a Hard Inquiry on my report that I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: AZ
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 has failed to properly secure more than enough information needed to steal my identity and left it vulnerable all in one place. After this they failed to notify me of it for 30 days. I have not ever used Equifax directly however they still have all my personal information and have failed to secure it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WA
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 improperly divulged my information without my consent. I 'm shocked that their security systems were so inadequate, and that considering how highly valuable this information is, they do not employ standard techniques such as two-factor authentication. In my opinion this breach shows how little they value the security and privacy of US citizens, and they should be reprimanded appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WA
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:
Equif
ax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX. and XXXX residents were also affected. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.

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

Complaint:
I have been a victim of the Equifax hack. I went through their site to see if I was affected, and it said I may have been.
I understand that Equifax was also a victim in this attack, but there is only one way that over 140 million people could have been affected : negligence in regards to security and storage of highly sensitive personal data.
As an additional layer of negligence, they should have informed the public much more quickly instead of waiting more than a month after the breach happened.

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

Complaint:
Equifax was recently hacked and criminals obtained sensitive information about my person, potentially including my name and past addresses, as well as my social security number. I had to find out about it through an online forum thread rather than any direct contact from the company. Equifaxes own website confirmed that I was most likely affected by this breach of cybersecurity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: JPMORGAN CHASE & CO.
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I brought a XXXX XXXX XXXX in XXXX and paid it off, JPMorgan chase bank turned around and said I own {$2100.00} and send my name to credit bureau I have requested for them to validate their claim they are not able because it is a false claim, and has ignored all my request. I am requesting that they should remove this charge off from XXXX which has pass status of limitation from my credit, it is causing a hard time as to getting other loan and bettering my credit. 

Thank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: CURO Intermediate Holdings
State: MO
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 promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
We were going to open a XXXX acct and decided before our time period we didnt want to and stayed with XXXX XXXX XXXX XXXXXXXX sent us to a collection company Convergent Outsourcing. I call this collection company and offered a settlement payment if they would not report to credit bureaus or if they had to remove the account completely. They agreed. We made the settlement payment but they did not do what they promised and it is showing on our credit bureaus and we want it removed as it is destorying my credit

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: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND LATE PAYMENTS from my credit report immediately

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: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Account XXXX i was mailed a {$15000.00} cashiers check for the close o it if my account and it had bounced. I already submitted a notarized fraud affidavit to Citibank and all the documents they needed. The bank is now stating it is sent it to collections to collect the money and then itll issue me a check if it collects it and itll take up to 120 days. I need my close out check and since the check they sent me was fraudulently cashed Citibank needs to assume responsibility and issue me a new one while they collect from whoever it was cashed fraudulently from!!! Check # XXXX issued on XX/XX/2021.

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: 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:
Sometime around XXXX of 2017 Equifax had a data breach and lost 143 million Americans personal data. I am one of them. It looks like the company sold a bunch if it 's stock as a reaction to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 2022-07-10
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 status incorrect

Complaint:
XXXX XXXX is showing up as a derogatory account on my credit report, this is simply not true. I had a vehicle financed through them which i traded in to XXXX XXXX  when i purchased another vehicle ... the dealer was supposed to payoff the cars balance. Im not sure why its on my report as being derogatory as my account is and has always been in good standing.

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 2022-07-10
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX XXXX furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 2022-02-08
Company: 3rd Generation, 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:
I purchased a vehicle through California auto finance 3 years ago. I was late on 1 payment, since then they have stopped reporting my credit score to XXXX. My auto loan should be at about 6200+ int. XXXX told me that they were made aware that XXXX  closed my auto loan. Which is not true because I am still in possession of the vehicle. I have submitted a complaint once before with XXXX  and nothing has been updated or changed on my credit. This is hurting my credit score because the auto loan is stating closed when its indeed open

Company response to consumer: Untimely response
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: DC
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 allowed significant private information about me including my Social Security Number, date of birth, addresses and potentially credit card numbers to be shared with hackers, putting me at significant risk of identity theft. 

I have confirmed via the Equifax website that my information was stolen : " 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 2015-08-12
Company: IQOR US INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received this letter from this collection agency informing me that I owe them a debt and upon further review I noticed that this debt was with another debt collection agency prior with whom I disputed the debt. It appears that they may have sold the debt and this company is now trying to collect

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25
Company: The Law Offices of Gerald E Moore & Associates, PC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company did not accept forms of payment besides a debit or credit card. A relative had a debt that was collected through this company and in order to assist them in paying it off I made an arrangement with the company to contact me prior to running my credit card for any amounts due. The debt was not mine, however, an arrangement was made such that my relative would give me an amount of money to pay for them on their debt. The company will call me and ask the amount to run on my credit card. The representative took it upon herself to run my credit card without my permission nor approval for an amount on XXXX separate occasions. When confronted about running my credit card without my permission she then proceeded to be very unprofessional and rude when the mistake was made on her end. She told my relative that they needed to " just put the money in their account because she had already ran my credit card anyway. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
accounts removed from credit report still showing XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: NY
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:
Good Day, I sent the 3 credit bureaus letters well over 3 months ago and I haven't heard anything back from them saying they received my letters or anything. I wrote to them back in XXXX and just recently I sent them a letter because its been over 2 months and still no answer. Also I never authorized any furnishers to report on my credit and what they are doing is illegal and I will have no choice but to fill for litigation because they are in the wrong. Thank you for your time and I hope this gets handled quickly.

Company response to consumer: Closed with explanation