BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-10
Company: Experian Information Solutions 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:
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. 
XXXX XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-10-23
Company: Experian Information Solutions Inc.
State: TX
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 contacted discover about fraud account opened in my name. They did not get back with me and refused to do anything about the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX continues to harass me and fraudulently report a {$12.00} loan I never applied for. I am again telling them to stop reporting this loan to my credit report. MY FATHER opened this account without my knowledge. He had access to my phone and previous email addresses. He has opened a few other accounts in my name and these companies had no problem investigating the matter and stopped reporting. XXXX is completely ignoring the police report that was filed verifying this crime against me but for some reason, XXXX insists on harassing me by reporting this erroneous information. PLEASE review the police report, call the police department for verification and go after XXXX XXXX for your {$12.00}! Delete this account now or I'll have to file a complaint with the XXXX and XXXX Attorney General.

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 2017-09-09
Company: EQUIFAX, INC.
State: WY
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:
1 month ago Equifax leaked my ( and millions of others ) Social Security number and other private information to hackers. Equifax failed to notify me of the breach, and like most other Americans affected by this breach, we only heard about it in the past week from social media and television. 

Now I must freeze my accounts, pay a credit monitoring service to notify me of fraud, and possibly look into changing my social security number depending on how many people now know it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: AL
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 AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY AND IT HAS RUINED MY LIFE. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: ONLINE Information Services, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I was admitted to the emergency room. At the time of admittance I informed the Hospital and provider with my Maryland XXXX information. They subsequently billed XXXX for the services provided in the amount of n {$970.00}. However according to my XXXX XXXX XXXX, XXXX XXXX, the claim was submitted incorrectly by provider XXXX XXXX   and as such was not paid. 

Now Online Information Services on behalf of XXXX XXXX is attempting to collect this amount from me and have placed a negative entry on my credit file. Which legally I can not be billed for this amount due to their error in submitting the claim. 

I have called and written to Online Information Services repeatedly informing them of this and supplying them with documentation from the Maryland Health Department, verifying that I was covered by XXXX and that they can not come after me for this bill. 

Despite being informed of this on five separate occasions they will not close the account and continue to report it as Valid when I dispute it with the Credit Agencies. I have contacted XXXX XXXX and they have told me that they informed Online Information Services that this should not be an open account and again they refuse to remove the entry on my credit file. Which is damaging my score and hindering me in obtaining credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 SENT FTC REPORT ALIONG WITH BLOCK LETTERS ON XX/XX/2021 AND THE ITEMS ARE STILL ON 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 2017-09-09
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
At XXXX XXXX navient called my phone 4 times in a row and woke me up on Saturday XXXX XXXX. Bewildered and tired I ask who is calling me this early on a Saturday morning. The navient worker replied I need you to verify your name and social security number. I told him it was kind of rude to call so early in the morning and which he did not apologize but then asked me to verify my address. Navient worker said that my payment was 12 days past due. I explained to him that I was confused because my mother who is also my cosigner made a payment on my behalf last week. He then said unfortunately you are still 12 days past due how do you want to take care of it. He was very rude, spoke to me and a condescending tone, and did not acknowledge what I had said to him. I explained that I had not been working in a month because I was laid off from my job at the moment due to lack of work. My mother and cosigner is also not working and receives Social Security. The navient worker was very unthoughtful did not apologize for his actions and made my mother and myself stressed out because instead of discussing this matter with the previous person who took our payment he assumed that we did not make arrangements. Come to find out we were right and had made a payment but on there and it did not go through. My mother explained to the navient worker it was not fair to call so early in the morning when they already got paid because there was confusion on their end. Navient is supposed to be a worldwide company that helps various people with their loans. Unfortunately when it comes to getting their money they have no problem hurting those same individuals to regain their funds. My mother asked man to apologize and what she said he already did although he did not. I wish we would have gotten his name and number so that we could have reported him individually because usually when these people call they are rude and inconsiderate. It 's rare that you find people in this company who listen to what you have to say and do n't talk over you to just get your money. I wish I had the money to pay them off completely because the stress that they put you through is somewhat unbearable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
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: Credit inquiries on your report that you don't recognize

Complaint:
I have several inquiries on my account that I do not recognize. I got an email yesterday stating there was a hard inquiry to my account from XXXX XXXX XXXX done for a credit limit increase. As a consumer it is already difficult reading through fine print and credit jargon that comes with credit. XXXX XXXX XXXX makes it difficult to identify if credit limit increases will result in a hard inquiry or not. XXXX XXXX XXXX is known to display promotional banners on their website for eligible credit limit increases to credit worthy candidates that abruptly appear. When I applied for a credit limit increase I thought that was the case, and they pulled my credit history without my knowledge. They need to provide more emphasis whether or not their products will need a hard or soft inquiry. More transparency is needed. The not so knowledgeable credit seekers are the real victims here to at times misleading credit card issuers. I read there was an inquiry issue with XXXX during that year, XXXX, it XXXX or not be related. The Equifax breach was what made me check my credit history. I have found these inquires that I dont remember applying for. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX PO BOX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX : XXXX XXXX NA XXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY Equifax : XXXX/XXXX/XXXX XXXX XXXX BANK XXXX/XXXX/XXXX XXXX BANK XXXX, XXXX A I have tried calling but I do not have the power to influence them. In this day and age of hackers, auto logins for websites, scams, identity theft, and even family identity theft the public is at the mercy to these XXXX giant credit bureaus.

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

Complaint:
My data was compromised in the Equifax security breach. There is a delay in enrolling in their Trusted ID  program and I am concerned about fraud. It was unfair that Equifax did not disclose the breach to consumers prior as over a month has passed, and we should have been notified earlier so that we could monitor our accounts ASAP. I am unsatisfied with the breach notification by Equifax. I am unsatisfied that Equifax had insufficient security, such that the breach occurred. 

I also think it was unconscionable that Equifax did n't clarify the class action waiver piece earlier. There was a lot of info swirling around social media that checking whether your security was compromised/enrolling in Equifax ID protection required a waiver. It is now addressed on the Equifax site but I think Equifax should have communicated better overall.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WV
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 Inc. mishandled personal information including my name, social security number, birthdate, address, and driver 's license number. I verified my data were affected by using the Equifax website at www.equifaxsecurity2017.com ( screenshot attached ).
Equifax Inc. has put me and millions of others at increased risk of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My checking account was hacked into about XX/XX/2022. The bank closed the account after this occurred. The remaining balance was sent by a check to the hacker. I have contacted the at fault person. I haven't gotten my check for my money from the person or the bank.

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 2022-07-10
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: Information belongs to someone else

Complaint:
ACCOUNTS AREN'T MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED, XXXX XXXX  XXXX. Opened XXXX ( {$150.00} ) XXXX XXXX XXXX Opened XXXX ( {$670.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I reached out to Sallie Mae via mail. They received my certified letter in the mail on XX/XX/2022. Sallie Mae did not answer anything pertaining to my letter. I wrote them and asked them how they are saying that I owe them alleged debt without proving to me that this debt belongs to me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: TX
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 credit information was grossly misused by Equifax. I am a victim of the recent security breach, and now am having to take numerous steps to try, and protect myself due to Equifaxs unbelievable negligence regarding customer security. This has not only affected me, but my husband as well. Along with 143 million other Americans. I have been working hard to build my credit, and now I have to worry about someone taking all of that from me due to Equifaxs negligence. Not only do I have to worry about  someone tanking my credit score, but I have to worry about the possibility of fraudulent tax returns in my name, or someone emptying my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OK
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 allow my personal information to be hacked. As a result, my personal information has been stolen.

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:
On XXXX XXXX, 2017, Equifax experienced a massive data breach, which put over 143 million million people at risk for identity theft. 

According to Equifax 's records, I am one of those people. Hackers have my social security number, birthdate, address, etc., which they can use to destroy my credit and everything I have worked for. I 've known people who have had their identities stolen, and it 's taken them years to get their lives back. 

This should not have happened -- not to a company that 's in charge of incredibly sensitive information. 

Also, Equifax is offering me ID protection in exchange for an arbitration clause, which I believe is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: RICHLAND HOLDINGS, INC.
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted account Corp of southern Nevada to settle a debt with them that they bought off of a hotel that I had stayed at years prior. I gave them an offer and they responded that there was no way they could take anything less than the full amount and they couldnt negotiate anything less than the full amount because it was an eviction. They lied to me to try and get a larger commission on my debt.

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: 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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: SC
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:
According to Equifax critical personal information pertaining to my credit report have been compromised in the hack of their servers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received emails and letters from Debt collector from XX/XX/XXXX until the present. I have requested validation via email and certified letters for validation of the debt. 
Dates request validation : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX the debt collector states they have received a dispute and will stop collection under debt is validated, I have not received anything showing validation. They keep emailing and calling me ; also they have placed the debts on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: Credit Control, LLC
State: WI
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:
I received calls from them. Some times, I have received calls 47 times in less than a minute. I think this is excessive spamming and robocalling. I wrote to them in XXXX disputing the information and they stopped for a few weeks. Then at end of XXXX, they started again. Even my attorney requested them to stop. Attached is letter that my attorney sent to them. But they have refused to stop calling. Their robocalling is excessive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
incorrect addresses on my credit report. 
my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX Please remove all old/incorrect addresses from my credit report.

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:
Equifax did not implement Cyber Security Standards to protecting PII information resulting in the information being vulnerable to outside malicious attackers. This vulnerability was taken advantage of resulted in my sensitive information being compromised including but not limited to Social Security number, current and previous addresses and credit history. Equifax has not clarified the solution for this breach to the consumer community or highlighted next steps on how consumers can protect themselves aside for 1 year or free credit monitoring with the caveat in regards to their arbitration clause. 1 year of credit monitoring does not come close to mitigating or managing the damage that has been caused because of this.

Company response to consumer: Closed with explanation