BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: OH
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:
There are inquiries on my Equifax report that was not authorized by myself. i contacted Equifax to report these fraudulent inquiries and was told I had to go to FTC.gov and fill out a report and then fax it to them in order to get these items removed. the item are listed below. 


XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICES, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I believe equifax has repeatedly ignored security loopholes in their system. Especially with as much personal information as they have available ... there should not be an issue like the hack happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: First Advantage LNS Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The Fair Credit Reporting Act requires that the credit reporting agency report accurate information. National Credit XXXX  has me in collections for two accounts. Original collectors reported as XXXX XXXX for {$560.00} and XXXX XXXX {$610.00}. I am reporting both for predatory lending targeting a certain economic group and using unlawful practices for monetary gain. This is a violation of my rights under the Fair Credit Reporting Act Title 15 us code 1663 Advertising of open end Credit plans. 15 US Code 1691 D2 Each applicant against whom adverse action is taken shall be entitled to a statement of reasons for such action from the creditor. 15 US Code 1692 A Abusive Practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices contribute to the number of personal bankruptcies, marital instability, to the loss of jobs, and to invasions of individual privacy.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am one of the people impacted by the Equifax hack. The scale of this breach in trust and law is absolutely unacceptable. There should have been adequate safeguards put in place by law more than a decade ago. This incident only serves to highlight the urgent need for more stringent security requirements. Or any decent security requirements in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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: Their investigation did not fix an error on your report

Complaint:
The Credit Bureaus never fail to disappoint me when it come to doing their best at nothing. I have been sending numerous letters and complaints to the Credit Bureaus urging them to properly investigate the accounts in which I belived reporting erroneous information and doing harm on my Credit File. Despite all my efforts, the Credit Bureaus grew negligent and never even bothered to do an investgation on my Credit File. The FCRA gave the Credit Bureaus ample amount of time to do a proper verification and correct the accounts and yet they have failed to respond to my letters. The 3 credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I need the Following acounts verified and corrected immediately : XXXX. XXXX XXXX XXXX {$1100.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX Balance {$180.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX Balance - Date opened XX/XX/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 2017-09-08
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent this company a letter dated XX/XX/XXXX. Pursuant to the FCRA and FDCPA, I requested this company to provide me Validation Documents and listed everything that is required for this alleged debt/item to be validated ( See attached files - a copy of the letter I sent them ) It is now XX/XX/XXXX and I DID NOT RECEIVE the documents I requested. Attached to this complaint is a copy of the letter sent to me by DCI requesting me to provide information about this unknown debt. If I am not mistaken, by law, they are the who are supposed to be providing me with proof that this item is VALID. This company definitely violated FDCPA. To make things worse, this item was already removed from my XXXX report and still is reporting on my XXXX and XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
Equifax was victim of a hack and they believe my information has been leaked. This is a part of the larger hacking story involving the 143,000,000 identities being leaked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PROFESSIONAL DEBT MEDIATION INC. 
ORIGINAL CREDITOR : XXXX THIS DEBT IS SHOWING IN MY CREDIT REPORT IN THE AMOUNT OF {$4500.00} AFTER CONTACTING THE ORIGINAL CREDITOR. 
THEY STATED THAT THIS IS FOR A BROKEN APARTMENT LEASE. 
OPENED ON XX/XX/XXXX2017. 

I HAVE NEVER LIVED IN AN APARTMENT. 
I HAVE LIVED IN MY CURRENT HOME SINCE XXXX OF 2000. 
THIS ACCOUNT WAS FRAUDENTLY OPENED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have the following unauthorized inquiries on my credit report and they may be fraud related : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-12
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Dates XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Dates 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 2022-02-10
Company: Resurgent Capital Services L.P.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX with the account number XXXX. XXXX XXXX, reporting must be XXXX XXXX accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
I was made aware of the Equifax data breach on XX/XX/2017. I checked on their potential impacted victims sight and was identified as having my information potentially impacted by this breach. I have checked two of my three credit reports, and there is no current suspicious activity. I have placed a 90 day fraud alert on my credit accounts to be made aware of any activity. I have also read up on the year of credit monitoring that Equifax is offering the impacted victims, but would potentially compromise their ability to join in any class action lawsuits. Since I believe this is not done in any good faith I am not currently planning on participating in this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX  XXXX Late Dates 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 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your Company, This has cause me financial injury, this has cause me defamation of character hurting my ability to obtain credit under the COVID Pandemic crisis

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: CT
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:
On XX/XX/2021. I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 a XXXX  transfer for {$84.00} was made to a closed account. I contacted Wells Fargo and the transfer was cancelled and I was to receive reimbursement of the {$84.00}. On XX/XX/2022 I contacted Wells Fargo once again to inquire into the cancelled XXXX  transaction and to report the {$84.00} had not been deposited to my account. Today, XX/XX/2022, I am on hold concerning the same cancelled XXXX  transaction. Not only have I been transferred XXXX  times to claims, claims has transferred me back to the online banking que every time where I then wait for a prolonged period in order to speak with someone. I have yet to receive any information regarding the cancellation or be reimbursed the {$84.00}.

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 2017-09-08
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 was hacked and my PII as well my financial information may have been stolen.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 2020-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
on XX/XX/XXXX had credit limit of {$1700.00} and paid full amount and have {$0.00} balance and don't have XXXX XXXX  XXXX  anymore. its paid and will like to remove please. reached out to company and still haven't removed from credit reporting agency 's. 

On XX/XX/XXXX had Credit limit of {$1700.00} on XXXX XXXX  XXXX. Balance paid in full and nothing owed. Don't have credit card anymore and will like to have removed from credit report, disputed charge and still haven't been removed from credit reporting agency 's. 

On XX/XX/XXXX opened credit card with XXXX XXXX/XXXX XXXX and account is closed and paid of {$81.00}. Will like to have removed from credit reporting agency 's. disputed to have removed off account and still showing on credit. 

On XX/XX/XXXX got an auto loan with Capital One Auto Finan. Made last Payment on XX/XX/XXXX and no longer owe on my car and will like to have removed from credit reporting agency 's. reached out to company and still haven't been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: IN
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 subject to a major breach that included 143 million American 's PII. According to their system, I was one of the individuals affected. I am now a strong target for identity theft as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, I emailed to Portfolio Recovery Associates dispute website and informed them to CEASE and DESIST and to stop any communication to me because I am disputing the debt. 

Since XX/XX/XXXX I have been getting a lot of phone calls from disguise numbers and some of the phone numbers that are calling to my phone number are not working numbers or the person answering my call back did not call me. 

Today I received a collection from PRA, LLC in the mail regarding my payment options including information of a letter about the debt they sent to me around the time ( XXXX XXXX ) when PRA, LLC purchased the debt from XXXX XXXX XXXX 

As you will see in the letter ( attachment to this complaint ) from PRA, LLC. As you will see, I was not living at XXXX # # XXXX XXXX XXXX. In XXXX XXXX.No one in my family were living there. I moved out in XXXX from XXXX XXXX XXXX Never received letter or information from PRA , LLC in XX/XX/XXXX concerning this debt.

PRA, LLC violated the FDCPA collection practices then and now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received by us mail first notice of alleged debt and demand for payment. This notice attached herein did not provide information identifying the original creditors accounting of the claim. I attempted to contact Transworld Systems Inc. ( TSI ) and was not able to reach anyone. 

On XX/XX/XXXX I mailed a certified letter attached herein to Transworld Systems Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX requesting they provide required information in order that I have an opportunity to investigate their claim. 

On or after XX/XX/XXXX I received a response attached herein from TSI providing an incomplete file copy of a lease agreement and accounting ledger. 

On XX/XX/XXXX I responded with a second letter attached herein citing XXXX CIVIL CODES, detailing my request for proper documentation and discrepancies with regard to previously provided information. 

On or after XX/XX/XXXX I received a letter from TSI denying my request for required information and no response to previously defined discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Experian Information Solutions 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:
RE : Report # XXXX I 'm complaining because Experian have failed to comply with, furthermore blatantly disregarded, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing. I sent them a dispute letter requesting that they verify all data for the disputed account and nearly 40 days later I have yet to receive anything of the sort. Because it is well past the time permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the account in my dispute. I ask that you resolve this matter with urgency as my character is being adversely affected and may be hindering me from obtaining financing to purchase a home because of their wilful non-compliance with the FCRA. 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