BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-29
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Balance : {$1200.00} On XX/XX/2019, I notified Enhanced Recovery company in writing that this debt be Exemption, Due to Hardship, they refused to cooperate or consider, or verify. 
Enhanced recovery Company refused to follow up on my letter explaining or notice it is disputed. I wish to file a complaint against Enhanced Recovery Company under the Dodd-Frank Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # 1 : XXXX XXXX XXXX XXXX, have violated my rights. 
Account # 2 : XXXX XXXX  XXXX, have violated my rights, Account # 3 : XXXX XXXX XXXX, have violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C 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 2022-06-17
Company: First Credit Services Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
First Credit Service continues to contact me about a supposed debit that my wife owes. Will not share information with me, will not mail information to us. At least XXXX phone calls per day, this is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 been patient. I am not seeing results or getting notifications on repairing my credit to 100 % accuracy. I have now waited over 60 days for investigation results, and nothing. Please remove all accounts listed here. 

1. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX  Account Number : XXXX Please remove it from my credit report. 

6. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. This account is in violation of 15usc code 1681 a ( 4 ) consumer right to privacy XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

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 2017-10-02
Company: Concord Servicing Corporation
State: SC
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:
Dispute Concerning XXXX XXXX XXXX XXXX Blackwell Recovery Reporting On My Credit Report There was a hostile management take-over at XXXX XXXX XXXX XXXX location in XXXX, TN. a couple of years ago. The new management company advised me and my family that the prior management company was not licensed to manage timeshare projects in the state of Tennessee. The new management company gave us the option to withdraw or opt out of our timeshare interval. We exercised our option and opted out. 
The prior management company later regained control of XXXX XXXX XXXX management and a class action suit was filed. We joined the class action lawsuit. A negative report was placed on my husbands credit report, which was later removed when we advised the reporting agency about the circumstances and the class action lawsuit. 
Now, several years later, a negative report has been placed on my credit report. We have paid in full for each timeshare interval we used at XXXX XXXX XXXX. We do not owe any additional money. XXXX XXXX XXXX has continued to charge our closed account for each interval since we opted out of the timeshare. 
This negative report needs to be removed from my credit report. I have filed a complaint through XXXX and Blackwell Recovery falsely indicates the report is accurate and refuses to remove the incorrect information from my credit report.

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX. Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXXXXXX XXXX XXXX. Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


Account Name : XXXX XXXX XXXX  Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX. Account NumberXXXX : Please investigate if every piece of information is correct. If not, please remove it from my credit report I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.

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 2019-11-25
Company: Credit Protection Association, L.P.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2017-09-11
Company: EQUIFAX, INC.
State: AZ
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:
As per the website of Equifax I may have been potentially affected by the security breach they have recently announced. 
This is not a simple issue, it involves ALL my personal information, so I do not believe that " potentially '' affected is a good enough answer. 
As the owners of the system, they should be able to probe and provide an exact answer of the issue and not just place everybody under a " potential danger '' umbrella,.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
Approx XXXX I sent a dispute to Transunion about a XXXX on my credit report that I wanted them to investigate as not mine .They came back on XXXX with a verified as accurate. I sent another letter to them XXXX asking them to reinvestigate and verify the method of verification, and to use my name, address, social security number and birthdate. On XXXX they sent a letter to me, that they will investigate the dispute, by contacting the source, or hire a third party to check applicable local, state and federal court records to verify the accuracy and / or completeness of the information reported. 
That has been over a month with no new information from there last findings of the investigation.

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 2017-09-10
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:
It was recently revealed that on XXXX XXXX 2017, Equifax 's database containing the personally identifiable data of ~149 million people was breached by an unauthorized actor. As a result, of this my personal credit information ( including SSN, name, address, credit cards, phone numbers ) have been potentially exposed to the public which has put me at immediate risk of identity fraud by those that possess that info.
This information has been confirmed to have been compromised via the website set up by Equifax - https : //www.equifaxsecurity2017.com/

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
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:
Between XX/XX/XXXX and XX/XX/XXXX 2017, Equifax allowed malicious actors to obtain my personal information, including my social security number, date of birth, and previous addresses. I utilized their website ( www.equifaxsecurity2017.com ) and was informed that my information was likely caught up in the attack. Their failure to adequately secure this information has put me and millions of others at risk of identity theft for the rest of our lives. I have now paid {$50.00} to freeze my credit with all three bureaus as well as XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
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:
Here are my present concerns with Equifax : 1 ) Equifax did n't disclose this threat for more than a month after it happened. 
2 ) Equifax directed me to a website where I could learn if my personal information was stolen, only to give me a canned answer that does n't tell me if my personal information was stolen. This is misleading. 
3 ) I have read that several executives at Equifax sold company stock after the hack was discovered internally, but but before it was announced publicly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: FL
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, 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 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 2022-01-17
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/17 sometime around then I purchased a XXXX, long story short I fell short on my payments and they repo it, now that time I owed like XXXX some where around there. So they sold the car at a action for about XXXX XXXX and saying I owe XXXX like I ask to see how much they sold it for because they reporting this and I told them its not right and I need proof what they sold a car Im paying for!

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 2017-09-10
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 has mishandled my information, did n't notify me XXXX I found out via social media and had to go to their poorly made response site to check for myself XXXX, and now has cost me several hours and will continue soaking my time and money to deal with paying for and monitoring reports against fraud as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: DC
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 have provided this company with all the documents necessary to remove all alleged accounts from my consumer report. XXXX has responded accordingly but Equifax and XXXX has not. As the controller of my consumer report, I did not give consent to nor was I properly explained the furnishing of these accounts on my consumer report. My federally protected right to privacy prevents these accounts from being furnished without my consent. Please see attachments for docs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This is a complaint against Capital One. I paid my card in full before the due date. The credit card company charged me {$160.00} in interest claiming that the balance accrued interest between the date they issued me my bill and the date I paid my bill, which to be clear, was on time and was NOT late, something they willing acknowledge. I called them to clear this up, and after speaking to two people, they hung up on me. Not for yelling at them, but because they just " didn't have anything they could do for me. '' They maintain I owe them this money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-10
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XXXX XXXX, XXXX they charged me a debit adjustment fee of {$95.00}. I called the PNC Bank the same day to see why. They said that when I went to the Atm machine XXXX/XXXX/XXXX and withdrew {$55.00} I took out {$150.00} instead and that they had it on video. I told them that before I left I counted my money and that I received a total of {$55.00} and not the {$150.00}. They then told me that the person who puts the money into the Atm machine had put the {$20.00} bills in the {$1.00} slot and the {$1.00} in the {$20.00} slot and did not make sure the money was in its correct slot. I spoke to a manager in the store about the problem and she also told me that this had happened to someone else that same day. I called customer to speak to the escalating team because the dispute team denied my dispute. And the escalating team said they are just waiting on the video from the dispute team. On XXXX/XXXX/XXXX the dispute team gave me provisional credit for the {$95.00}. Then on XXXX/XXXX/XXXX they took the provisional credit back. Then on XXXX/XXXX/XXXX they sent me a letter in the mail stating that they credit my account the {$95.00} back. However the funds has not been credited back into my account. I have tried my best to be patient with the dispute and escalating team but they still have not resolved the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
As a result of Equifax 's data breach, I attempted to place credit freezes on my credit data at Equifax, XXXX and XXXX. I was only partially successful with XXXX. They reported that I already had a freeze in place. XXXX XXXX process died with a system error. Equifax 's process returned a blank pin number. Apparently the last XXXX companies have poorly designed system which can not be relied upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, 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:
Equifax allowed my SSN and other information to be stolen. I would like compensation so that I can freeze my files at all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
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 has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Credit card was used to pay to vender for probate of grand fathers property with US Bank card and did not receive services or itemized work vender provided they were suppose to get death certificate for me and did n't they would not return phone calls or emails see attached emails they provided nothing for the {$1600.00} dollars I paid them and I have nothing

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