BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-26
Company: Experian Information Solutions Inc.
State: NJ
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:
In XX/XX/XXXX I was advised by XXXX XXXX XXXX that an address change was made on my behalf. The address change was an attempt at identity theft. I immediately contacted XXXX XXXX XXXX and advised them of same. They cancelled my card and reissued a new card and promised to remove the fraudulent address from my account. That never happened ; in fact XXXX XXXX has now reported the fraudulent address to the credit reporting companies ( Experian, etc. ). Today I spoke with XXXX at Experian and he assures me it will be removed ; however, I have been promised this before. Now I have an alert that the fraudulent address is now associated with my SSN. This is problematic on many levels. My complaint is specifically with XXXX XXXX XXXX and their incompetence as well as reporting information they know to be fraudulent to the credit reporting services. This has taken me many hours to attempt to resolve and so far they have been unresponsive. I mailed a complaint directly to XXXX XXXX on XX/XX/XXXX after repeated phone calls and I have not seen any results nor have I heard from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am sure that I part of TransUnion 's glitch that caused information on people 's credit report to disappear and then reappear without notification. According to, FCRA, section 611 paragraph ( 5 ) sub section ( B ) ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I would hope that Transunion would remove these injuries from my credit report promptly. Due to the fact that I was Notified of them being put back on my credit report. 

XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX, XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX Inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: TN
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 2017 hack of Equifax. Hackers have access to my personal information including, DOB, SS #, Address, and other identifying information that could be used to open accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. I have provided Transunion with the FTC report, approved police report, proof of identity theft alerts from XXXX and they have failed to properly investigate these matters and delete the information from my credit report which is adversely affecting my ability to obtain credit. Additionally, they have failed to disclose their method of verification per FCRA laws. As such, I am hereby demanding for the following offending unauthorized inquiries listed below to be immediately deleted from my credit report : XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NY
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. 

Also the fact that Three Equifax Managers Sold Stock Before Cyber Hack is unbelievable and disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MS
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 information was thought to have been stolen during the equifax security breach in XX/XX/XXXX. I have initiated a 90 day fraud alert but am worried about what else could come of this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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 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 while doing other things online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Credit bureaus are continually reporting derogatory accounts and inquiries that have been contested as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Professional Debt Mediation, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PROF DEBT ( XXXX AT XXXX XXXX  ) CURRENTLY VIOLATING MANY OF MY FCRA & FDCPA RIGHTS!!! THE ARE UNLAWFULLY REPORTING A ACCOUNT WITH MANY VIOLATIONS KNOWINGLY TO MY CONSUMER CREDIT REPORT WITH MANY VIOLATIONS & INACCURACIES!!! 
I WILL PROCEED WITH LEGAL ACTION & REQUEST COMPENSATION FOR EVERY SINGLE VIOLATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
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: Other problem getting your report or credit score

Complaint:
I have attempted multiple time to get my consumer reports from XXXX XXXX, XXXX, and Chex Systems. I can not get them to provide me copies of my consumer reports.

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: CITIBANK, N.A.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXXn has had two accounts for collections on my credit account I Have disputed the accounts several times because they are identify theft accounts I supplied documents supporting this and it turns out its Citibank they have sued me and now I have to appear in court to disclose my income so they can get paid this is ridiculous and unfair

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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax breach allowed my sensitive information to be collected. They then offer credit monitoring services which will most likely expire within a year, unless I pay them for this service. Why should this be if my highly sensitive data is out there forever. We are forced to rely on them for credit reporting and give up our information when they themselves can not even keep it secure.

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: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax recently released a press report declaring that they were hacked and sensitive information was compromised. It was determined by Equifax that my data may have been compromised, including my social security information. This is the most sensitive data I have and should have been handled with more care. Now, their negligence could cost me financially as well as require me to take additional security measures for a mistake made by another company. It 's inexcusable.

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 Inc. said its systems were struck by a cyberattack and my information was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WA
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:
Equifax was recently hacked and I 've been told that I may be a potential victim of the data breach. Equifax did not proactively inform myself or other victims about the breach. I was able to use a tool to find out if I was affected after reading a news report that directed me to the tool.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding accounts. Per tracking, its been several months no information given, no investigations performed and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: CBC Companies, Inc.
State: OH
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: Other problem getting your report or credit score

Complaint:
I have attempted multiple time to get my consumer reports from XXXX XXXX, Innovis, and XXXX XXXX. I can not get them to provide me copies of my consumer reports.

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 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 2022-07-12
Company: WELLS FARGO & COMPANY
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Wells Fargo has a limit on how many payments I can make on my credit card bill a month. The rules are that as a card holder I can make only XXXX online payments a month and one each day. 
XXXX : I made a payment for {$500.00} on XX/XX/2022 but cant make another payment today. I also wanted to make a {$2700.00} payment in addition to the first payment but was denied processing the online payment. 

Also XXXX cant make more than XXXX payments a month towards my balance.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries.. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WI
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:
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 2017-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
It behooves me as to why I am showing a missed payment when I speak to Capital One I am told that I missed the date it was supposed to be paid on and it is out of their hands and only the credit agencies can make that call. When I speak to the credit agencies I am told they only report what they are given. I have been going in circles for weeks on this and dont know where to turn, I do not feel that this blemish on my record should be there at all and I am requesting you look at the facts and remove it. My credit has dropped over 50 points because of this inaccuracy.
I was never 30 days late as you can clearly see.
I have attached the record of my payments and while I did not pay on the exact date it was never 30 days late.
Please let me know how to proceed and if you can just remove this incorrect error on the part of the credit card company.
I dont know how they can report me as thirty days late if I was not.
Please see the payment history of the card in question, this was copied and pasted from my bill pay.
Deliver by Paid to Amount Confirmation No. Paid from Status Category Date due XX/XX/XXXX Capital One {$130.00} XXXX SHARE DRAFT Complete credit card Due XX/XX/XXXXXX/XX/XXXX Capital One {$120.00} XXXX SHARE DRAFT Complete credit card Due XX/XX/XXXXXX/XX/XXXX Capital One {$90.00} XXXX SHARE DRAFT Complete credit card Due XX/XX/XXXX 20 days late not 30 Due to death in familyXX/XX/XXXX Capital One {$150.00} XXXX SHARE DRAFT Complete uncategorized Due XX/XX/XXXXXX/XX/XXXX Capital One {$150.00} XXXX SHARE DRAFT Complete uncategorized Due XX/XX/XXXX XX/XX/XXXX Capital One {$150.00} XXXX SHARE DRAFT Complete uncategorized DueXX/XX/XXXX XX/XX/XXXX Capital One {$150.00} XXXX SHARE DRAFT Complete uncategorized Due 12/20

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX, I opened a Bank of America XXXX XXXX Banking checking account. This account has a $ XXXX monthly maintenance fee, which can waived by having a combined balance of {$10000.00} or more in linked Merrill accounts ( see the fee disclosure linked below ). From the very beginning, when I logged into my BofA account, I could also see my Merrill account balances, which have totaled around {$20000.00} for a while. This led me to believe that my Merrill accounts were linked to my new checking account. 

Unfortunately, I was dismayed to see that I was charged a {$25.00} maintenance fee on my last statement on XX/XX/XXXX. I called in on XX/XX/XXXX, and the agent said my Merrill accounts were " not linked '' to my checking account, despite the fact I could see everything under my BofA login. She explained I had not been charged the fee until now because there is a 60-day grace period after account opening. More importantly, she explained that because I opened my checking account online, I would have had to call in to properly " link '' my Merrill account balance to qualify for the fee waiver. I asserted that any reasonable person would think that my accounts were " linked '' since I can see them all at once online. Furthermore, the fee disclosure does not elaborate at all on what it means for accounts to be " linked. '' In the end, the rep could not refund the fee. 

https : XXXX I have attached the statement showing the fee as well as a printout of what I see when logon to my BofA 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 monetary relief