BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Upon reviewing my reports, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiry is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove the inquiry from my credit file. 
XXXX XXXX XX/XX/2022

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 2020-09-25
Company: Square Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sent a payment via the CASHAPP service to pay for XXXX and the payment never arrived to the daycare. I can not reach the company, they have not responded via XXXX, or email

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: CL Holdings LLC
State: SC
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:
Ive spoken with XXXX XXXX about two years ago about this incorrect account on my credit and Ive provided information to them to advise of this incorrect information and theyre still reporting this item and hurting my credit. I am unaware of this item, and then it now shows that the item opened on XXXX 2016 when it was reported well over 4 years ago. They are reporting incorrect information, which is against the law, if we cant get this issue resolved within the next 30 days I will be hiring an attorney and filing suit for the continuation of wrongfully reporting inaccurate information on my credit report, which is causing me to not be able to move forward in my home buying proceeds and its causing great steer on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NJ
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:
X/X/17- Equifax was hacked, I went to equifaxsecurity2017.com and recieved the following message " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I have put a 90 day fraud alert on my credit file with all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: AmeriCollect
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 contacted Americollect about reporting errors on my credit report XX/XX/XXXX. This account was challenged one year ago, and still, no notice of dispute, which is required, has been submitted. This account was also challenged and deleted from XXXX XX/XX/XXXX. 

Americollect responded by sending a copy of my medical procedure from the original creditor, which is a HIPAA violation. Americollect did not furnish written authorization from me to obtain my protected medical information.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
According to https : //www.equifaxsecurity2017.comXXXX I may have been impacted by the Equifax data breach made public XXXX 2017. I have been forced to implement a credit freeze and will need to continue to monitor my credit in the future due to their mishandling of sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: DC
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: Problem with product or service terms changing

Complaint:
This is a general complaint about Equifax 's offer of " complimentary identity theft protection and credit file monitoring '' to consumers impacted by its data breach. 

Several pages on Equifax 's website describe the service as " complimentary. '' Yet the Equifax browsewrap Terms of Use include a class action waiver. 

It is not clear from the website whether enrolling in the identity theft protection program constitutes agreement to the Terms of Use. The relevant language in the terms of use states : " BY REGISTERING ON THIS SITE AND SUBMITTING YOUR ORDER, YOU ARE ACKNOWLEDGING ELECTRONIC RECEIPT OF, AND YOUR AGREEMENT TO BE BOUND BY, THIS AGREEMENT. YOU ALSO AGREE TO BE BOUND BY THIS AGREEMENT BY USING OR PAYING FOR OUR PRODUCTS OR TAKING OTHER ACTIONS THAT INDICATE ACCEPTANCE OF THIS AGREEMENT. '' http : //www.equifax.com/terms/ If Equifax considers consumers affected by its identity breach to have agreed to its Terms of Use by registering for identity theft protection, then that protection is not " complimentary. '' Consumers registering for it have paid a possibly high price by forgoing the opportunity to be members of a class action. The descriptions " complimentary '' would then be both deceptive and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back in XXXX of XXXX, my son 's wallet was stolen from the gym. His ID and credit card which he is authorized user of mine was compromised. He filed a police report. In XXXX, the credit card was used at XXXX for a purchase of {$140.00}. I disputed the charge with my credit card ( XXXX Bank ) and contacted XXXX. The representative at XXXX said they did not have any information about me in their records. I have never had an account with XXXX. I have been an XXXX customer for over 25 years. In XXXX of XXXX, I received a past due bill from XXXX XXXX I called XXXX again, spoke to representative and we filed a fraud claim with XXXX. # XXXX. Shortly after that call, I received a letter from a collection agency stating I owed the debt. I disputed the debt, spoke to the collection agency who informed me to notify XXXX Fraud dept with my case # and their collection account #. I spoke to XXXX again, they requested I send an email to XXXX Fraud, with the case #, my identification, and police report from last year where my identity was stolen. I sent them the information on XX/XX/XXXX, and have not received a response. Now, on XX/XX/XXXX, I received another collection letter from a different company, Receivables XXXX XXXX attempting to collect this same debt which 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 2021-11-11
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 and XX/XX/2021 I sent a lette ( s ) re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
My personally identifiable information was compromised by the recent Equifax data security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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:
It has been drawn out into the open that the 3 credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the credit bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a check deposit on XX/XX/XXXX and they said they are going to hold it until XX/XX/XXXX but they already withdrew the money from that check owner on XX/XX/XXXX. What is the reason for them to hold the fund so long?

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: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: PA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : XXXX XXXX XXXX XXXX : {$2000.00}

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: 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:
Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. They did not notify anyone quickly enough moreover and expect me to pay to freeze my credit on account of a mess up on Equifax 's end..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 sent a letter to Transunion stating that the all of the credit Inquiries, except for XXXX XXXX, on my credit report were NOT authorized by me. I asked Transunion to delete the fraudulent inquiries, but they refuse to do so.

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 2022-07-13
Company: EQUIFAX, INC.
State: PA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
After the Equifax data breach I attempted to obtain my free credit report ( via internet ) from the three credit reporting companies. On XXXX XXXX, XXXX I was able to get my credit report electronically from XXXX, but was unable to do so from XXXX and Equifax. On that date, I mailed the Annual Credit Report Request Form ( including required IDs ) to Equifax and XXXX. 

On XXXX XXXX I received my credit report from XXXX, but to date ( XXXX XXXX ), I have yet to receive any correspondence from Equifax. I have tried calling several times, but my call has been disconnected. There were errors on both my XXXX and XXXX  reports and I 'm concerned that there are errors on my Equifax report, but I have no way of finding out. 

Please advise on the best way to obtain my credit report from Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MN
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 puts me and 209,000 other people at risk. I am listed as a potential victim of their security breach according to their equifaxsecurity2017.com website, and I would like a resolution.They did not notify me in a timely manner and put all of my personal information at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Equifax mishandled my personal sensitive information, along with 200,000 other peoples ' and allowed it to be leaked to hackers. According to their website, equifaxsecurity2017.com I am a potential victim. There was no notification, even though this was known to Equifax executives months in advance. 
I would like to see a rectification for this grievous error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
AES/PHEAA continues to send emails even after I had warned them on multiple occasions to cease and desist with all communications. The person or persons who decide to reply to this, I respectfully ask the CFPB to document who they are to determine if they're even an eligible agent responding or if they are simply taking it upon themselves to violate my Consumer Rights vindictively. I would also ask to see Credentials to verify whoever is responding is legally allowed. Based on recent events where data is breached within companies, I'm not entirely sure I feel comfortable not knowing who exactly is handling these complaints from AES/PHEAA. As far as I'm concerned, it could be someone not affiliated with AES/PHEAA. AES/PHEAA should identify the person or persons handling these complaints, because just labeling themselves as being from the company is not enough to vet their real identity.

I also challenge AES/PHEAA to prove to every borrower who accesses their system that their Online Portal is secure enough to be able to resist intrusions. Until I see proof, there is no convincing me otherwise.

Company response to consumer: Closed with explanation