BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
State: NC
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/2022 I sent a dispute to Equifax and XXXX about some sketchy accounts on my credit report. To this date I have not received any updates. I'm just trying to get this resolved so I can move forward with my life. This is adding more pressure to my life because I can not use my credit for anything and these accounts aren't even suppose to be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NC
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 put myself and my family at risk through improper handling of very sensitive personal information. I have no choice in the matter of whether I entrust Equifax with this personal information, because in today 's society it is mandatory if I want to maintain my financial worthiness. 

Equifax literally has one job, and that is to securely maintain this information to protect and preserve my credit. They have failed in the worst possible way. Now myself and others are at risk. The size and nature of this breach, nearly 150 million people affected, means that it is statistically unlikely that the negative consequences will hit me in the immediate future. This actually presents a problem, because it makes it harder to be prepared for it. 

Obviously many of us concerned individuals will be doing everything we can to monitor our credit and watch it closely over the coming months, but with a breach of this size it could be 10 years from now that my leaked data is used against me. We are all vulnerable now, and it could happen at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: GA
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:
Equifax took my information, mishandled it and then gave it away to malicious parties. Their website telling me to mark my own calendar is shameful. I did n't ask them to collect this, I did n't lose my information. They should be held fully accountable for everything, and THEY should be dealing with this. Not me. 

Shame on those sleazy executives for selling stock. What kind of disgusting corporate creed are we allowing to happen? Where is the justice and fairness for the average person?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MO
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
Equifax told me that they " may '' have shared my social security number, information and financial and credit information with an unauthorized private individual due to their lack of proper security measures. My credit is now compromised as well as my private personal information. I have also started to have hundreds of dollars of unauthorized uses hitting my credit cards requiring me to cancel credit cards and go through repeated attempts at trying to challenge a large number of charges, having my financial stability put in jeopardy and my credit negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Re : Acct # XXXX To Whom It May Concern : I recently pulled my credit report from Experian, XXXX and XXXX and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with Experian, XXXX and XXXX and the results of the investigation came back as " verified ''. I did not have an account with " XXXX XXXX '' during this time period. Since I have disputed the account with the credit bureaus, and you have verified them, I would like to see what sort of records you have for this alleged account. Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it. I will seek legal action under FCRA 623 ( b ) for violations of the FCRA if you do not comply and respond to me with the results of the investigation within 30 days of your receipt of this letter. In order to clear up this matter, I would like to see, a signed contract showing me that I indeed had an account with your company. If you do n't respond with the results of the investigation ( as is required per the FCRA ), I will assume you have no documentation and therefore you were negligent in providing the credit bureaus with accurate information. At this point, you would also be in violation of the FCRA merely for not responding within the 30day period. To avoid a lawsuit, I request that you remove the account from my credit report. Please delete this listing or I will be forced to seek legal action. Sincerely, 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 2019-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
In XXXX, Capital One cancelled a business credit card I had with them. The card had a {$1100.00} credit due to an overpayment. On XX/XX/XXXX, I was issued a check for the credited amount made out to my company ( XXXX, XXXX. ) which no longer existed as of XX/XX/XXXX. 
I sent the check back and requested the amount be endorsed to me since it COULD NOT be cashed as a company check by anyone. Capital One has ignored my phone calls and letters and are now proceeding to turn over my funds to the Maryland Treasurer as Unclaimed Property. Please help me resolve this long standing impasse. 

Holder ID : XXXX Property ID XXXX Check Number : XXXX Property Amount : {$1100.00}. XXXX Thank you in advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 just received my credit report and noticed unauthorized items they shouldn't be on my credit profile. This had been a tough time during the covid 19 pandemic

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 2017-08-23
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: Information belongs to someone else

Complaint:
Re : Acct # XXXX To Whom It May Concern : I recently pulled my credit report from XXXX, XXXX and TransUnion and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with XXXX, XXXX and TransUnion and the results of the investigation came back as " verified ''. I did not have an account with " XXXX XXXX '' during this time period. Since I have disputed the account with the credit bureaus, and you have verified them, I would like to see what sort of records you have for this alleged account. Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it.
I will seek legal action under FCRA 623 ( b ) for violations of the FCRA if you do not comply and respond to me with the results of the investigation within 30 days of your receipt of this letter. In order to clear up this matter, I would like to see, a signed contract showing me that I indeed had an account with your company. If you do n't respond with the results of the investigation ( as is required per the FCRA ), I will assume you have no documentation and therefore you were negligent in providing the credit bureaus with accurate information. At this point, you would also be in violation of the FCRA merely for not responding within the 30day period. To avoid a lawsuit, I request that you remove the account from my credit report. Please delete this listing or I will be forced to seek legal action. Sincerely, 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 2022-01-19
Company: Bridgecrest Acceptance Corporation
State: TN
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:
Bridgecrest XXXX XXXX XXXX XXXX XXXX, AZ XXXX account balance XXXX opened date XXXX XXXX this account is not mine I did not open this account with the company an XXXX XXXX XXXX XXXX, XXXX XXXX, CA is reporting this account on my consumer report as well

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been harassed weekly by this organization regarding this debt. It was explained to XXXX that I did not open this account. I am XXXX years old and did not realize a relative had used my Personal information. 

That relative is in the XXXX  XXXX  system for the next 10 years. This money was being taken from my social security check and was discovered when the relative was XXXX. 

I have written to XXXX including a certified letter with no response. I always pay my debts but this is not mine.

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 2022-06-20
Company: Experian Information Solutions Inc.
State: NC
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:
I need help with a dispute that I submitted on XX/XX/2022 with XXXX, XXXX, and Experian. I haven't received any response as of yet. I need them to be held responsible for investigating my dispute.

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 2017-08-23
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Information belongs to someone else

Complaint:
Re : Acct # XXXX To Whom It May Concern : I recently pulled my credit report from XXXX, XXXX and XXXX and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with XXXX, XXXX and XXXX and the results of the investigation came back as " verified ''. I did not have an account with " XXXX XXXX '' during this time period. Since I have disputed the account with the credit bureaus, and you have verified them, I would like to see what sort of records you have for this alleged account. Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it. I will seek legal action under FCRA 623 ( b ) for violations of the FCRA if you do not comply and respond to me with the results of the investigation within 30 days of your receipt of this letter. In order to clear up this matter, I would like to see, a signed contract showing me that I indeed had an account with your company. If you do n't respond with the results of the investigation ( as is required per the FCRA ), I will assume you have no documentation and therefore you were negligent in providing the credit bureaus with accurate information. At this point, you would also be in violation of the FCRA merely for not responding within the 30day period. To avoid a lawsuit, I request that you remove the account from my credit report. Please delete this listing or I will be forced to seek legal action. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I had my credit pulled for a mortgage. I was informed that my credit score was low because I have an outstanding collection account with Diversified Consultants. They reported the account on my credit on XX/XX/XXXXand the account was opened in XX/XX/XXXX.
In those 3 months, I never received a phone call or a mailing from Diversified Consultants stating that I had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
State: MN
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:
Attached to this complaint is a Federal Trade Commission Identity Theft Report, identification documentation and a partial XXXX credit report showing they deleted the XXXX credit inquiry which is still listed on my XXXX credit report. The following accounts and credit inquiries listed on my Experian and XXXX credit report are fraudulent, unauthorized and not my accounts or credit inquiries : XXXX XXXX XXXX XXXX, XXXX, {$370.00}, XXXX XXXX XXXX XXXX, XXXX, {$3700.00}, XXXX XXXX Bank, XXXX, {$570.00}, XXXX XXXX Bank, XXXX {$570.00}, XXXX XXXX Bank, XXXX, {$2000.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX and XXXX, XX/XX/XXXX. The accounts and credit inquiries are all fraudulent, unauthorized and not mine. I have sent Experian and XXXX the Federal Trade Commission Identity Theft Report along with a police report case number, but Experian and XXXX continues to keep to put and keep the fraudulent accounts on my credit report. The XXXX  XXXX account has been deleted and removed from my Experian and XXXX report twice, by Experian XXXX XXXX, but the XXXX  XXXX account is back on my Experian and XXXX credit report. I sent Experian and XXXX all kinds of documentation proving I am a victim of identity theft, but Experian and XXXX continues to put fraudulent accounts and the same fraudulent accounts, Experian and XXXX has deleted previously on my credit report. This is very frustrating. The CFPB, U.S. Congress and the U.S. Department of Justice need to investigate Experian, XXXX and XXXX XXXX for violating the Fair Credit Reporting Act under Federal law. The U.S. government needs to take over the credit bureau industry because Experian, XXXX and XXXX XXXX dont listen to the consumers. They violate the FCRA constantly and do whatever they want to do.

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 2022-01-19
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:
mortage settlements in attorney general website were my homes ande now im the exe4cutor for XXXX XXXX banks XXXX XXXX college fraud and students stealing i have no statue of limitations they made law its legal to murder me by XX/XX/2022 and i withgout funds car home and have zillions each county

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Experian Information Solutions 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:
I am a consumer/natural living breathing person attempting to correct inaccuracies on my consumer report. I am aware that my rights are being violated as my privacy has been breached as these accounts should be excluded according to the Fair Credit Reporting Act because the accounts contain transactions and experiences. I have recently made a report to Experian to correct these inaccuracies, in regards to the accounts XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX as well as XXXX XXXX XX/XX/XXXX and received correspondence from Experian which states that after the investigation the accounts are accurate, and as I am not content with the results, I now require a copy of the investigation that took place which proves why these accounts are in fact accurate.

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 2022-06-20
Company: Experian Information Solutions Inc.
State: PA
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:
THESE COMPANIES VIOLATED MY RIGHTS TIME AND TIME AGAIN UNDERTHESE LAWS WHICH IM PROTECTED 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS 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 XX/XX/XXXX XXXX BANK XX/XX/XXXX ACCT XXXXXX/XX/XXXXXXXX BANK ACCT XXXX XXXX/XXXX/XXXX XXXX BANK ACCT XXXX XX/XX/XXXX XX/XX/XXXXL XXXX XXXX ACCT XXXX XXXX XXXX CREDIT CARD ACCT XXXX XXXX XXXX CREDIT CARD ACCT XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX ACCT XXXX.. 
XXXX XXXX ACCT XXXX XXXX XX/XX/XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XX/XX/XXXX CHILD SUPPORT ACCT 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