BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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:
Equifax mishandled my personal information by failing to properly secure data on their systems which has led to a cyber-security 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 or include arbitration clauses in ToS. 
This should be rectified firstly 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. 
Equifax corporate insiders should also be investigated for potentially cashing out stock prior to announcing the breach.

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 released my information without my consent to a 3rd party on XX/XX/XXXX and did not divulge to me that it was given out until early XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
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 have been a VICTIM of Transunion inquiry issue, customer service would not help and take care of the negative inquiries reporting on my credit report, I sent them a certified letter to remove the inquiries and made two phone calls, these inquiries was previously moved off my report and when they had their issues with the inquiries showing back up on credit reports it caused my credit score to go down and I was not notified of this issue and by law they are required to notify me. I addressed this issue with Transunion and they still will not remove these inquires.
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XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX XXXX XXXX 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 2021-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I had two checks deposited into my Capital One bank account that were the same amount of {$540.00} that I did not do. Then on XXXX XXXX I had another check deposited into my account with the amount of {$1200.00} that I did not do as well. When I disputed those transactions with Capital One on XXXX XXXX after checking my account I was placed on hold by an employee at Capital One named XXXX who made multiple threats about locking my account for other reasons that I did not call in about. I asked to speak to a Capital One Manager named XXXX and he placed me on hold for about 5-10 minutes. XXXX informed me that my account would be restricted until they completed an investigation for a PPP loan I received on XXXX XXXX and the amount of my loan would make my account negative. I let XXXX know that the checks that I was disputing were why I was calling in and that me disputing something going on with my account and now having something completely different now affect my account was not okay since I was not calling in for that. I received an email shortly after to send documents in regards to the PPP loan and also informed them multiple times through email and phone calls that I never stated that I owned a business and that I was a XXXX employee. My account has been negative $ XXXX for over almost three weeks and almost going on a month. I have had multiple bills that have been reversed and not paid because of Capital One locking my account or restricting all access to my account/funds. I have received zero information in regards to my original dispute which were three checks being deposited into my account, it has been 16 days since my dispute and there has been no resolution and those checks are still showing up in my account. They have not sent me a new debit card as well either. I made multiple attempts online to request a new card as well as calling multiple times and I have been told one is being mailed to you but I have not received one. Every single time I try and contact Capital One for an update and when I let them know this has gone weeks without an answer I am told the same thing which is we do not have an update for you and this can take as long as it wants there is no deadline or timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: EQUIFAX, INC.
State: OH
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 advised that this account that is reporting on my credit profile through Equifax as of XX/XX/2017 from an unknown collection company by the name of XXXX XXXX for the amount of {$600.00} do not belong to me and is reporting inaccurate incorrect information on my credit profile this medical bill showing up on my credit profile is not mine. I do not go and have not been to any hospital 's or doctors ' in Over 20 years. I only use natural remedies only I do not believe in Western medicine or prescriptions. Equifax is breaking the law along with XXXX XXXX with report inaccurate incorrect information. Per 15 U.S. code section section 1681b ( g ) ( 3 ) prohibits such information from these collection companies and credit report agency from breaking the law with their alleged investigation 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company XXXX XXXX is reporting on my credit report with a debt owed. I never had a contract or business with this company. I tried to dispute and the credit agencies are saying that the account was verified by the creditor but provided no documentation or proof. My next step is to start ligitation against Experian, XXXX and 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 2017-09-09
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:
On XXXX/XXXX/2017, I was informed that there had been a data breach of Equifax, which contained very sensitive information on millions of people in the US. I was directed to use their tool to check on the status of my information at www.equifaxsecurity2017.com and was informed my information had been compromised. This may include my name, address, social security number, and more. This breach makes my sensitive information potentially public and puts myself at risk for identity fraud, and is an improper use of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reference : XXXX My friend and I wanted to move into an apartment. We called up the XXXX at XXXX at XXXX XXXX and were told that we could fill out an application that would cost us XXXX $ each. My friend and I filled out our applications and paid the fee, which can be proven by submitting our bank statement. No apartments were available but we were shown XXXX that had recently been vacated and would be available, after cleaning and repairs, at the end of the month. We were told that we would not be getting the apartment, we were just shown the apartment so we could see what the layout was. The XXXX told us that we would be contacted if something became available, in the meantime our application would be processed. At no time were any other fees mentioned, nor was any paperwork given stating that any other fees, except for the already paid application fee, were due. We were turned down because of my friend 's credit report. 
I received a notice from National Credit Systems in XXXX stating that I owed XXXX at XXXX XXXX {$240.00}. The letter did not state why I owed money. When I attempted to contact XXXX at XXXX XXXX, the number we had for the XXXX was disconnected. 
I am therefore disputing this bill as I have no idea what the charges are for, and certainly know that, other than the XXXX $ application fee, I am not responsible for any fees. 
Thank you for your kind attention to this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX To Whom It May Concern I XXXX XXXX Have XXXX Hard Inquiries That are reporting on my Transunion report I Do not recognize these inquiries never made these inquiries I will like for them to be Removed from my Credit Report Thanks. 



HARD INQUIRIES XXXX  XXXX ( Bank ) XX/XX/2021 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 2021

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 2022-02-07
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to LVNV on XX/XX/XXXX and again in XX/XX/XXXX, in reference to account # XXXX with a balance of {$720.00} and informed them that I have no debt with them or anyone they represent. I have asked them to send me correspondence with my wet ink signature or any documentation in reference to this claim. It has been over two years and I have yet to receive anything from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I mailed Credence Resource Management , LLC a letter which which contained an FTC Identity Theft Report explaining I am a victim of Identity Theft with an Identity Theft Report. Credence Resource Management , LLC received this letter on XX/XX/XXXX, which was mailed through the US Post office, USPS Certified Mail, Return Receipt No : XXXX. They responded with a letter stating I requested them to verify the account, which I did not. They continue reporting this fraudulent account to the major Credit Bureaus, who were also notified of the Identity Theft. XXXX XXXX XXXX, who Credence claims they are collecting on behalf of, were also notified of the Identity Theft and claimed Credence did not notify them about anything I mailed them nor have any knowledge on who they are. Credence continues to report this fraudulent account after they were notified by me to remove this fraudulent account from my credit reports and conduct an investigation into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I went to XXXX in a time of need searching for a car. I was sold a XXXX XXXX XXXX XXXX XXXX with a selling price of XXXX which is was over the value but doable. After a year of constant on-time payments I figured it was time for me to refinance, wrong! I was told by numerous banks that they were unable to lower my payments due to the value and age of the vehicle vs. the amount owed on it. I was confused. Somehow I ended up being financed more than needed and owed a total of XXXX after a year which apparently came down from XXXX. I was in a shock. I feel like I was taken advantage of being a young kid in need of a car. I even asked the lender if I was able to trade in my vehicle for something with lower miles due to being affected by hurricane Harvey I am now back and forth between XXXX and XXXX they replied, " If your balance is XXXX or lower. '' I asked was a able to re-negotiate my contract that was a no. I tried every way possible to remedy this situation it is impossible, especially with no help from the lender or dealership. I do not recommend doing business with them, they are not for the customer.

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 2021-08-24
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a collections letter from Weltman Weinberg & Reis CO LPA for the amount of {$6300.00}. I realized this is the office of an attorney and per the Fair Debt Collections Practices Act, 15 U.S.C. 1692e ( 3 ) a debt collector can't give the false presentation or implication that they are an attorney. The letter states " an attorney '' did not take part in the collections attempt but when I reviewed the secretary of state ( Ohio ) website, the company is registered as an attorney. There is no way to confirm if an attorney wrote the communication or not. I sent a letter dated XX/XX/2021 and the office received my letter on XX/XX/2021 as confirmed by certified mail USPS. The law office has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I mailed to EQUIFAX via certified mail a notarized Dispute Letter requesting that they verify the alleged accounts on my credit report ( attached ). The tracking from the USPS shows the letter was delivered on XX/XX/XXXX ( attached ) which they acknowledged receipt via email ( attached ). More than 30 days elapsed, and I have not received any response containing proof that EQUIFAX verified the accounts. The law stipulates ( FCRA Section 611 ) that the consumer reporting agency must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. I then mailed EQUIFAX a letter via certified mail which the tracking from USPS shows the letter delivered on XX/XX/XXXX ( attached ) advising them of their failure to respond and that because of that all unverified accounts on my previous dispute need to be deleted. EQUIFAX acknowledged receipt of that letter via email on XX/XX/XXXX ( attached ) but did not comply with my request or the law but rather informed me that they are starting a reinvestigation only ( attached ). According to Section 611 EQUIFAX has not established or met the criteria for extension of time from the original letter primarily for their failure to respond according to the law. I have and continue to suffer damages because I need to rely on an accurate and complete statement of my credit record which is reflected on the change to my FICO EQUIFAX credit score which has went down due to EQUIFAX operating outside the parameters of the law.

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:
Due to the third party hack of Equifax, my personal information ( SSN, date of birth, credit card numbers, home address, telephone number, and other key personal info ) could have been or was stolen. According to the Equifax security site, where they will obscurely tell you if your information was stolen, and mine was. The hack happened in XXXX but we were not told about it until Thursday, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
I am one of the possibly affected 143 Million people in the recent Equifax Security Breach. Their conduct and handling of this situation is unacceptable, especially the sale of stock by their executives days before the breach went public.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered new phones from XXXX through their upgrade service from my USAA Credit Card XXXX The phones never arrived and I was still charged for the merchandise. When calling T-Mobile they hung up on me twice and finally told me it wasn't their problem it was XXXX 's because they had been given a delivery receipt. I never received a package with the new phones. I disputed the charges from XXXX on my USAA Credit Card account XXXX XX/XX/2021 ) and reported the card Lost/Stolen to prevent additional charges. USAA then closed out the dispute saying the company had provided them with a delivery receipt and that it was enough to close the dispute and reverse credit for the amount. I have been fighting with them since XXXX last year to get it sorted out because I will not pay for merchandise I did not receive. I provided the same delivery receipt and confirmation of purchase, etc. but was told that isn't enough to confirm my dispute. XXXX, XXXX and XXXX all have given me the same " the original creditor has verified the information '' line and continued to report more false information on my credit reports. The account has been closed since XXXX yet they all report it as open... This is the last straw.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

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: ENCORE CAPITAL GROUP INC.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This was a charge off from an old debt that midland credit purchased for Pennies on the dollar. They have been sending threatening letters stating that they will take me to court. On XX/XX/2022 I received a final notice stating that failure to reply will result in attorney review. Ive started the process of getting in touch with a public defender in my state but also know that this company has been taken to court many times due to violating the fair debt collections act. I also have paid some of this amount owed when they sent me a legal notice the first time about 2 years ago and have noticed that any past payments made are not reflected on my account. As this was a charge off many years ago and was reflected on my credit report I do not believe I owe midland credit any money as they purchased this old debt on their own will.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10
Company: AFNI INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CFPB, I am filing this complaint through your office for assistance in regards with the inaccuracies on my credit file. I have mailed a dispute to credit bureaus but I was not able to receive a good response. 

AFNI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: Experian Information Solutions 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:
THE FIRST THING I SAW THAT WAS FRAUD ON MY CREDIT FILES WAS MY NAME SPELLING I ATTACHED MY DRIVER LICENSE TO PROVE MY REAL NAME AND ADDRESS. I ALSO ATTACHED MY CREDIT REPORT SHOWING THE FRAUD, I PUT FRAUD NEXT TO EACH FRAUDULENT ITEM TO THE LEFT OF IT. PLEASE FORWARD THIS COMPLAINT TO EACH CREDITOR.

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