BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX 1 ) Account name : XXXX  XXXX XXXX Account number : XXXX ( I didn't remember this number ) Account type : Credit card Date opened : XX/XX/XXXX Status : Paid, Closed. {$1.00}, XXXX written off. 
Status updated : XX/XX/XXXX Has violated my rights. 
It keeps saying : Potentially negative. Erase this from my credit Report. 

2 ) Account name : XXXX XXXX Account number : XXXX Account type : Credit card Date opened : XX/XX/XXXX Status : Open. 
Status updated : XX/XX/XXXX Balance : {$940.00} Balance updated : XX/XX/XXXX Recent payment : $ XXXX  Monthly payment : {$25.00} Credit limit : {$1800.00} Has violated my rights. 
It keeps saying : Potentially negative. Erase this frase from my credit Report. 

3 ) Account name : XXXX XXXX XXXX Account number : XXXX Account type : Auto Loan Date opened : XX/XX/XXXX Status : Open. 
Status updated : XXXX XXXX Balance : {$1400.00} Balance updated : XX/XX/XXXX Recent payment : $ XXXX  Monthly payment : {$370.00} Original balance : {$12000.00} Highest balance : {$0.00} Terms : 54 Months Has violated my rights. 
It keeps saying : Potentially negative. Erase this frase from my credit Report. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: IL
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:
1I Sent my letter off on XX/XX/2022. 1 told the credit bureaus to investiage every piece of information on the accounts I have listed below. Also I have attached the letter l sent out and here is the Tracking number XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion there of in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is reporting wrong and they couldnt have verified it I sent XXXX a 609 letter to get the info on the account and it was returned because they sold the account this information needs to be delete asap thank 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 explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
According to Equifax my personal information may have been obtained by hackers that hacked Equifax 's servers and made off with millions of people 's personal information. I received confirmation that my information may be compromised by Equifax 's security site that offers a years worth of free security for people that may have been affected. Although on the surface this seems like a nice gesture, Equifax is actually taking advantage of this data breach in order to wash their hands of legal responsibility by getting victims of this hack to sign up for their " security service '' which binds the victim 's hands in a legal sense. Not only that, the heads of Equifax knew about this hack and took advantage by selling off their stock to protect themselves rather than face the consequences of this hack. Equifax is proving that they do not care about the countless people affected who did not request that their personal information be held by Equifax and have created a situation where their backs were saved while everyone affected has been left out in the cold.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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 mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OH
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:
Equifax has alerted me that my identity has been compromised. I have placed a freeze on my Equifax credit score as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX found that XXXX XXXX XXXX XXXX XXXX was inaccurate and removed the accout. XXXX and Experian is still reporting the account which is in violation of my rights.

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 2017-09-08
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 am included in the list of potential victims of the 2017 Equifax cybersecurity incident, which means intruders may have accessed my name, Social Security number, birth date, address, driver 's license numbers, and credit card numbers. Criminals took advantage of a U.S. website application vulnerability to gain access to certain files from mid-XXXX 2017 through XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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:
There was a major security breach at Equifax. I found out about this on XXXX today XXXX XXXX XXXX, XXXX ). Not from the company, not from any other bureau, but on XXXX XXXX thank you XXXX XXXX. I checked Equifax and it told me my information was likely compromised, but that I should contact them on XXXX XXXX, XXXX to take further action. At that point I decided to freeze my credit through Equifax, XXXX, and XXXX. Not only is this inconvenient for me, but I had to pay a total of {$20.00} to do this. So, in essence, I am having to fund the company that lost my information in order for them to agree not to further release my information. That is unacceptable. 

I also find the entire credit reporting racket to be unacceptable. We can not track our own credit scores without paying for a service. We can only get credit reports for free once a year. There are no posted guidelines on how to improve your score because each place has their own proprietary way of handling things. 

Identity theft is just going to get worse if we insist on having everything tied to a social security number. Giving these credit bureaus full control over all the buying power of Americans, without them having to say how to improve your standing is also terrible. This should be a wakeup call that this needs to change. It is only going to get worse if it does n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Experian Information Solutions Inc.
State: FL
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: Problem with personal statement of dispute

Complaint:
On XXXX of 2019 I opened an account with XXXX  XXXX, I was on time with my payments up until we had a national emergency with COVID-19. I've disputed this with the credit bureaus stating they were violationg my rights on reporting negative remarks under the CARES Act. Upon further research I learned that my rights are also being violated by both the bureaus and XXXX  XXXX under The HEROES Act where it states that no negative remarks should be reported during The COVID-19 pandemic plus 120 days and that under FDCPA restrictions have been placed on debt collecting.

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 2019-11-26
Company: DEBT 0, INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
the company named is XXXX Main office XXXX XXXX XXXX  XXXX XXXX  fl XXXX phone number:XXXX The purpose of this company is to collect an specific amount from your bank account each month. In my case {$760.00} each month and place the money in escrow in a bank called XXXX XXXX XXXX to pay the creditors when they got settlement They stated that if the credit card call you do not answer the phone because they are going to lied to you. 
In my case my husband answered a phone call from one of his creditors and informed him that this company has not called them or execute any kind of settlement. we called XXXX XXXX they did not answer the phones calls or put you in hold indefinitely. I have to go in person to resolve the issue. I request to receive my {$3000.00} back because they were not representing to us. The manager told me in person that all that money they are going to keep it because they were working in the accounts. they have {$120.00} administrative fee plus {$15.00} monthly service fee equal {$140.00} x four months equal {$560.00} they should return {$2400.00} they just placed back into my account {$450.00} When I called XXXX requesting my money in escrow they just saying that they return what ever amount XXXX XXXX tells them to do. I feel frustrated and robed from this company and I please ask you kindly to help me to recuperate my money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
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:
I was identified on XXXX as having been a victim of the recent security breach ( Today is X/X/2017 ). The intrusion was discovered by Equifax, according to their statement, on XX/XX/XXXX. This is an unacceptable length of time to wait to notify the public. 

Additionally, while Equifax is offering " free '' credit monitoring for 1 year since I am a victim of the breach, this is a trap. The arbitration clause included in this free monitoring would prevent me from being able to sue them for damage caused to me by the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After Equifaxs data breach disaster in 2017, I froze my credit reports at Equifax and the two other rating agencies. I recently applied for a new credit card. In advance of the application, I unfroze my XXXX and XXXX credit reports, but was unable to do so w

ith Equifax ( details in the next paragraph ). The credit card company used Equifax and tried to access my credit report but could not, and so did not approve the application. Both before and after the credit card application, I have been unable to unfreeze my Equifax report, and indeed have been essentially unable to make contact with a live person at Equifax, as Equifax has seemed to create a process to stifle any interaction with consumers. When I initially tried to log into my myEquifax.com account online, Equifax apparently rejected one or more of the answers to the verification questions, and said I would have to receive a verification code in the U.S. mail and then go through the login process with that code. I received the code yesterday but the website kept rejecting the login attempt, stating it was an incorrect code. I tried calling Equifax this morning. On the first attempt, after 15-20 minutes of voice menu prompts and further verification questions, I could not get through to a live person. I tried a second time and, after another 15-20 minutes of rigmarole, I did get through to someone ; after taking down my name, the Equifax rep. started to tell me something but, the instant I started to ask a question, he hung up ( this was about 15 seconds after, on the second or third attempt, he successfully got my name correct ). I will add that the representative had a thick foreign accent and sounded as if he was in a foreign call center ; if true, that would be very disturbing given the extremely sensitive information Equifax handles and its horrid history of
protecting the data it collects without consumers consent.

Beyond the difficulty Im now having getting my credit card application approved, Im concerned that my Equifax report is now, as a practical matter, frozen in perpetuity with no way to get it unfrozen. Despite the
way it treated users data three years ago, Equifax still makes it virtually impossible for consumers to deal with the company and get matters resolved. Its voice mail system seems designed to make it difficult for consumers to get through to anyone at the company ( if you click a phone key or answer the question vocally too soon, you get booted off the call ), and the telephone representatives are generally uninformed and often have trouble with English ( I know this from a similar episode my husband had about a month ago with his Equifax report ; he, too, had to deal with multiple agents with thick foreign accents, all of whom sounded as if they were in a foreign call center ). For what its worth, I have not had any issues or problems with XXXX  or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
Equifax failed to secure my and 148 million other people 's vital information. To say I am angry is an understatement. Equifax seems prepared to offer one year of credit monitoring for free then charging each year after that. Do i have to pay for their mistake? This is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: DISCOVER BANK
State: NY
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:
I am trying to reach a settlement amount on a credit card that I have had for about 4 years. During covid I lost my job and got behind on payments. I then called in XX/XX/2022 to get a settlement amount for my {$10000.00} balance. They were willing to settle at that time at {$5000.00} but I only had {$3500.00} available. They then enrolled me in a 0.99 % program where they would reduce my interest rate and set me up on a payment plan. I have been making my payments regularly so I am now down to a {$7500.00} balance. I have called discover multiple times in an attempt to settle on my account due to unforeseen circumstances. I recently got pregnant and need a home to live in and grow my family. Part of that has been an effort to clear all debt off of my credit report. After multiple attempts, discover stated that since I am enrolled in their " permanent program '' I am not eligible for a settlement amount. I was never told this before I enrolled in the program. I never signed anything to enroll in the program. It was a verbal agreement which I would not have made if all terms and conditions were disclosed to me including the fact that I would not be eligible to come to a settlement while enrolled. I have left multiple complaints with phone representatives and it has gone no where. I even had a representative say to me " I can submit a complain for you but they're probably not even going to answer it or do anything for you ''. I would like to come to a reasonable settlement amount with discover financial to remove this debt off my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2021-03-10
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:
Payment was made and acct paid and it still show delinquent on file and has been taken off of other credit bureaus and not XXXX XXXX they wont take it off I have tried several times and its almost impossible and they want you to pay XXXX dollars for service

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NE
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 protect my information. Through cyberhacking, my account was compromised, according to Equifax 's Web service ( https : //www.equifaxsecurity2017.com/potential-impact/ ), as I discovered on XXXX2017. Equifax seems to be offering " one year free '' identity theft protection. Because of the nature of this breach and the information obtained by the hackers, this is a patently inadequate length of protection considering that anyone with my information can simply wait one or any umber of years before attempting to steal my identity with it. This is therefore is nothing more than a means to force victims caused by Equifax 's inadequate security, to purchase their service once it expires. My identity information was not divulged with my consent. Furthermore, as of today, XXXX2017, Equifax 's " free '' identity theft service agreement includes a provision that, unlawfully, binds the user of the service to arbitration. This shows bad faith on the part of Equifax and its managers in dealing with customers. Finally, three top executives sold large amounts of shares in their company before the news of the breach was public. This implies that they intended to enrich themselves based on this breach and the suffering of their customers.

Company response to consumer: Closed with explanation