BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had a loan with XXXX and even after I lost my job as of XX/XX/XXXX and still was making my payments on time to them and there were no late payments during this time at all even though they reported me late several times and still are with regards to my 3 credit reports. 

The vehicle was totaled as of XX/XX/XXXX and XXXX received a payment from XXXX XXXX XXXX in the amount of {$16.00}, XXXX. The balance on my credit reports needs to be updated to reflect {$0.00} ASAP along with all the points returned to me that I lost as a result of the derogatory info. being reported and affecting me negatively. 

XXXX is also currently under investigation with XXXX regarding this matter as well and I have not heard anything from XXXX regarding this matter or the check that was received as a result of this matter the case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: VA
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 linksto 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 2021-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital One Auto is in violation

of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments. Capital One Auto is reporting numerous missed payments on my credit report. Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports states, " If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. '' Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments states, A creditor may not treat a payment on a credit
card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''

Company response to consumer: Closed with explanation
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 recently announced that they have been affected by a cyber security breach that has allowed the personal information of millions of Americans fall into the wrong hands. According to a tool offered by Equifax to check who has been affected, it is likely that my own information was also included in the breach, meaning someone almost certainly has my personal information due to irresponsible safeguarding of said info by Equifax. This breach occurred only one month after my credit history began. My new credit history has no negative marks on it, and has a credit score of around XXXX, which makes my very concerned that my personal info will be considered " valuable '' by potential identity thieves ; I feel as though my information is more susceptible to being used fraudulently. I am also concerned that whoever may have access to my information might not use it for a long period of time in order to avoid the 90 day fraud alert, as well as to wait until I, and many others, have let our guard down and may not be monitoring our credit reports as closely as we will be immediately after the breach. 

Equifax is entrusted with our most sensitive personal information, and allowing a situation to occur where the information of millions is given out to unknown, unauthorized persons is disappointing, and very frightening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MD
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 found out today on XXXX XXXX, 2017 via the Equifax website that my information such as my SSN, my address, my D.O.B., Etc was stolen by hackers.

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:
Today is XXXX2017 Based on Equifax 's online tool, they believe my information was compromised in the recent hack. I believe my personal information is now insecure and I am susceptible to personality theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Avant Holding Company, Inc.
State: DE
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 had a hard inquiry pulled on my credit report from XXXX/AVANT LLC . I contacted both XXXX XXXX and Avant and neither could find an account in my name. I have not applied for anything from either place and would like the inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
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: Account status incorrect

Complaint:
I have an Account with XXXX XXXX. My credit report reflects that a 30 day late payment has been reported for XXXX and XXXX XXXX This is incorrect. I contacted XXXX who concurs that my account has never been late. They informed me that they could not send me a letter but I would need to dispute directly with the credit bureaus since they do not see me in their systems as every having been paid late. I have disputed with all three credit bureaus with no success. I am in the process of applying for a mortgage and this incorrect reporting is penalizing me. Please help.

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:
Equifax did not protect my credit information and sensitive personal information was compromised in the hack. I need to pay money to freeze my credit reports for a mistake I did not make.

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

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: EQUIFAX, INC.
State: GA
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: Problem getting your free annual credit report

Complaint:
I have tried to order my credit report through Equifax 's XXXX XXXX and I have tried to use the free credit report website and I can not get my credit report. Months ago, I have contacted them and was told to fax in a lot of information with copies of my driver 's license and social security card. I was told to ask for them to review it. I was also told on another occasion that my credit report maybe split. I still have had no success getting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions 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:
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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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

Complaint:
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 2017-10-17
Company: EQUIFAX, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been trying unsuccessfully to submit a dispute to the company for inaccurate information on my report. I have been blocked from filing complaints online via the web portal, I have been blocked from filing email complaints, I have filed via US mail and they are ignored. I called the customer service number on XXXX/XXXX/XXXX to speak to someone about my disputes and was told I had not filed any disputes. I asked to file one and hey said in broken English I would have to mail it in with identification. I am going to provide this agency the disputed info and maybe you can get a response from this company. 
I have two accounts that they have listed on my report that I demand be removed as I proved in court were not mine. I will attach a copy of the dismissal from the company, if I am allowed to attach items. In case number XXXX XXXX XXXX XXXX XXXX XXXX i was sued for the alleged debts listed on my credit report XXXX XXXX XXXX, and XXXX XXXX. I was able to defend against these suits and prove that the accounts were not mine. XXXX was forced to dismiss without prejudice the suit. I also received a letter from XXXX XXXX sowing i did not owe the debt. 

I have contacted the company XXXX XXXX XXXX about this alleged debt that is listed on my report and they have no knowledge of me owing this debt now, and are stating they are not reporting it on my report. When i told this to the agent on the phone they said to mail in a dispute. I have disputed this in the past and asked for method of verification and never received a response. 

I notified this agency, XXXX XXXX, and the XXXX via a complaint that these were fraudulent accounts and have not received a response from anyone on these two accounts. I spoke to the store and they admitted to me that there was fraud but claim that they can not do anything about the entries on my credit report. the credit reporting agency refuses to allow a dispute This company goes out of there way to make it impossible for a person who is the victim of theirs to get a resolution to a dispute. They have blocked me from filing disputes, and say its for my own protection that i can not see my credit report, that is of course unless i buy there service then i can see everything online.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CO
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:
Today, Friday XXXX XXXX, 2017, I discovered that my personal information, including social security number, was leaked in cyber security breach at the credit agency Equifax. This shows, at best, incompetence, and at worst, negligence in regards to the company 's duty to safeguard consumer personal information.
I also learned that this breach occurred some time ago ( about one month ) and those of us affected were not notified in a timely manner.

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, XXXX I was alerted by Equifax my information was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MD
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 leaked in the recent Equifax hack. I was listed as one of the potential victims on their reporting tool. A sufficient amount of my data may have been captured which would give an attacker enough tools to damage my credit by accessing accounts which only require a date of birth with social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: MI
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:
My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account. 

XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Conduent Incorporated
State: FL
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:
The Florida Attorney General recommended that I contact your agency regarding my claim. 

As you will determine from the documents that I will include, I have been trying to obtain the balance of {$2400.00} that was on my Florida XXXX XXXX XXXX since XXXX of 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Checkr, Inc
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I've been denied 2 jobs due to incorrect reporting from Checkr. In XXXX I tried to get this corrected. The company reported that I had a bad check charge from 10 years prior to XXXX. I contacted the clerk of court office in the county where this charge was reported. They gave the name of the company that filed the charges and I reached out to them. The owner said he has since closed the business and had no records. I contacted Legal Aid who said they don't usually handle this type of situation and they found no charges based on my name, dob and social security. I was to start a job on a Monday and received a call the previous Friday that stated my background check had negative information and they could no longer offer me a position. I notified Checkr of info from Legal Aid but they would not look into the issue. I've been told it would cost me {$1500.00} to have an attorney to remove this from my record. When applying for jobs I have to explain that I've never been charged with anything but there is something on my record from early XXXX. In XXXX of XXXX I had a background check for XXXX ( XXXX XXXX XXXX XXXX ) and it took 30 days to submit info to XXXX which prevented me from earning income. I can't afford to hire an attorney to assist with this issue. At the time of this charge I was employed with the XXXX where I worked for 14 years. I never received any court papers about any charges other than a XXXX XXXX. There are multiple women in NC with the same name as mine. When I moved to this state in the XXXX 's I went to a store to purchase needed items for the home. I wrote a check and was told they had a worthless check on file and couldn't accept that form of payment. I was able to provide information to prove I had never written a check to them based on my SS #. From then on I no longer wrote checks and only paid cash.

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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax failed to adequately safeguard my credit data against computer hacking, along with another 160 million people 's. Then the company execs try to cash out before the news comes out?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: KS
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 listed as a " potential victim '' in Equifaxes data hack. Time and time again, companies have underestimated the importance of data security, and time and time again, this has completely come at the expense of the average consumer. 

Instead, the Executive board is able to inside trade out their own securities before divulging their MONUMENTAL mistake, further damaging a market they have already destroyed. 

This company needs to be completely frozen and audited from the ground up, and no information should be processed through them until a proven process can be implemented. 

This is disastrous for potentially almost half of Americans and I hope this company receives this level of complaint from every last one of us.

Company response to consumer: Closed with explanation