BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-19
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:
Acct. name - XXXX XXXX XXXX, acct. # XXXX - acct. type - open date XX/XX/2018, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights.

15 U.S.C. 1681 SECTION 602 A. I HAVE THE RIGHT TO PRIVACY.

15 U.S.C.1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish an account without my written consent. 

Acct. name XXXX XXXX XXXX  acct. # XXXX - acct. type - open date XX/XX/2018, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights.

15 U.S.C. 1681 SECTION 602 A. I HAVE THE RIGHT TO PRIVACY.

15 U.S.C.1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish an account without my written consent.

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: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My XXXX  and equifax credit report show that they are using a 3rd party XXXX  XXXX to verify a bankruptcy on my credit report. This is a violation of the fair Credit report act. There are errors in this report. I have contacted the courts ( letter attached ). They have not verified any of this information with XXXX or Equifax. 

In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
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: Reporting company used your report improperly

Complaint:
Acct. name - XXXX XXXX, acct. # XXXX - acct. type - CLOSED date XX/XX/XXXX, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. I HAVE THE RIGHT TO PRIVACY.

15 U.S.C.1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish an account without my written consent. 

Acct. name - XXXX XXXXXXXX, acct. # XXXX - acct. type - REVOLVING / CHARGE OFF date XX/XX/XXXX, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. I HAVE THE RIGHT TO PRIVACY.

15 U.S.C.1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish an account without my written consent.

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: 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:
My credit history, and personal information were comprised by Equifax during their security breach on XX/XX/XXXX. They did not report the security breach until XX/XX/XXXX. 

I am attempting to place a 90 day fraud alert on my credit file, but due to the massive number of compromised files, I have been unable to do so at this point. 

In my opinion, Equifax has placed consumers at risk by waiting more that a calendar month to report the security breach. It has caused consumer tools to be overloaded with requests from those whose identity 's are at risk, and is, in my opinion, unequivocally irresponsible. In addition, I have read that high level Equifax executives sold nearly XXXX XXXX dollars worth of stock without disclosing the sale to the public, after the breach was discovered, but before it was announced to the public. The sales were not listed as a part of XXXX scheduled trading plans, indicating that the executives may have acted in response to the security breach. 

To me as a consumer, this is unacceptable behavior for a company with records of personal data. This event has placed millions of Americans at large financial risk, and appears to have directly benefitted Equifax executives. In addition, Equifax is a company I have never chosen to do business with. My identity is likely compromised as a result of the business decisions of other credit vendors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Experian Information Solutions 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:
XXXX mishandled my information which has led to a breach that puts myself and millions of others at risk. I am extremely disappointed with how XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: 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 learned about the Equifax security breach and went on their web site and entered my information. it says i am one of the millions whose information was involved. it then asked if i would like free credit monitoring services for a year. I said that i would lime that. 
now i am reading that if in fact i end up with financial problems or identity theft due to the breach that i have waived my recourse against equifax merely by agreeing to accept this offered service. 
I believe this is fraud and tbey fraudulently got me to waive my rights to sue re : any future damages or losses by offering a free service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: EQUIFAX, 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:
Acct. name - XXXX  XXXX, acct. # XXXX - acct. type - CLOSED date XX/XX/XXXX, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. I HAVE THE RIGHT TO PRIVACY.

15 U.S.C.1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish an account without my written consent. 

Acct. name - XXXX XXXXXXXX, acct. # XXXX - acct. type - REVOLVING / CHARGE OFF date XX/XX/XXXX, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. I HAVE THE RIGHT TO PRIVACY.

15 U.S.C.1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent them certified letters numerous times asking them to correct the information but they refused. XXXX reported the same thing twice under different company names and Portfolio RC incorrectly reported that I owe them money. I sent multiple letters to all companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Back in XXXX I found out by the FBI my SSN was used in filing online taxes, I don't file taxes since i am on SSI disability. So I had to file police report fingerprinting and photo taking to verify who I am. I send all three credit bureaus the police report and all the paperwork on the identity theft so they could put it on my credit to protect me from any more problems. Then Equifax because breech and my identity was stolen again and now I have so many hard inquiries on my credit report it is killing my credit scores. I am getting phone calls and text messages and emails from loan companies and car loans, and I have not sign up with them at all. I have told all of them to leave me alone. It was not me filling out the forms on their websites, I have explain to them my identity was stolen but they are not listening to me. Here are some of the companies that are on my credit that I want removed and stop looking at my credit. 
XXXX XXXX XXXXXXXX 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 these companies did not have my permission to run my credit or did I go on their website to file there forms out. I am tried of people ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: CrossCountry Mortgage LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I wrote to my mortgage company citing my complete compliance with all industry wide standards : i. e. an LTV of 53 %, a XXXX score in the top 2 %, no missed payments, a flawless credit history, more than 1 year old mortgage. 

I requested CCM to remove an escrow account from my mortgage with Cross Country Mortgage. This was after they attempted to increase my monthly escrow payments by 58 %. I refused to accept that amount and they lowered it to a 15 % increase. 

I then requested to waiver the escrow account, having fulfilled all the reasonable and normal requirements. They refused citing that my LTV, which is 53 % ( current loan to current market property ), by stating that THEIR calculation of LTV is based on loan to property value AT THE TIME OF THE LOAN, and it showed an LTV of 92 %. 

I vehemently disagree with their calculation, which seems to be constructed solely for their benefit of collecting higher monthly payments, and unreasonably padding their escrow account. The industry wide norm for LTV calculation in demonstrated on the XXXX website, and used by most all the mortgage companies. 

This appears to me as deceptive and unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: AES/PHEAA
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AES/PHEEA is reporting to XXXX, XXXX, and XXXX a debt that was paid in full. 
The company is reporting XXXX, XXXX, and XXXX dates of last activity XXXX and XXXX. I have contacted this company via telephone. The company states they do not understand why XXXX, XXXX, and XXXX are reporting the outdated date. The only thing they can persist is XXXX XXXX continues to report. 

The debt last date of activity XXXX and XXXX which is well over the Federal Regulations for reporting status of seven years on my credit reports. These amounts effect my debt to income ratio.

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

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
( 1 ) AFTER REPEATED REQUESTS FOR PROOF and RECEIVING NONE, charges ( not made by us ) are not being removed from our Target account, and ( 2 ) Negative credit notices ( from Target ) are not being removed from our credit reports. 

History : a. We paid off our Target account and quit using the XXXX credit card ( acct ending in XXXX ) in XXXX XXXX. 

b. We received a notice fromXX/XX/XXXX that a negative entry was posted against our credit report by Target. According to Target, a {$55.00} charge made on XXXX XXXX XXXX and it was overdue. 

c. We contacted Target customer service and were informed of the following : 1. Charges were made on our account on XXXX XXXX XXXX, and 2. Unbeknownst to us, our account profile had been changed such that Target would NEITHER send invoices to us via US Postal Service NOR send invoices via email. As a result of these settings, WE HAD NO NOTICE earlier than the XXXX note from XXXX that anything suspicious had gone on with our Target account. 
3. We were told that the matter would be investigated and evidence of who used the credit card would be provided. NO SUCH EVIDENCE HAS EVER BEEN PROVIDED. 

d. Since XXXX, 1. We have been notified repeatedly by Target that late charges have been added to the amount due, and 2. We have repeatedly contacted Target customer service, the Targets Fraud Dept and Targets Collections Dept to only be told that the matter would be investigated and that evidence of who used the credit card would be provided. NO SUCH EVIDENCE HAS EVER BEEN PROVIDED. Dates we contacted Target : XXXX, XXXX, XXXX. 

e. On XXXX XXXX XXXX, a representative in the Target Fraud Dept ( by the name of XXXX ) told us 1. that no one but my wife and I could have used charged items against the account, 2. that she was NOT GOING TO PROVIDE EVIDENCE, and 3. that we were going to be held liable for the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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. 
The company Equifax has miss handled information of myself and other who have never used their services and the service they have set up can not tell me, simply, that I am indeed affected by this breach in security. This is appalling and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I reached out to Capital One via XXXX and their toll free number back in XX/XX/2022. My accounts were acquired from ING Direct. All my accounts were set to XXXX XXXX ( taking out the XXXX and last day of the month ) since that was the option I had set when with ING. I had to change my external checking account so to my dismay XXXX XXXX option was not a Capital One option. I tried explaining that the system did it because it was transferred in that way, so there should a way to recreate this without setting up manual transfers. I just gave up but decided that this should be addressed. Furthermore, my accounts from ING are only get 0.30 % and the Capital One account is paining a much higher rate. I was told that I would have to close all my existing saving accounts to get the higher rate. I reached out again in XX/XX/2022 and they told me the same thing that they can not manually adjust the interest rate or offer the Semi Monthly option. My issue is that if you acquire accounts, I am now a customer and should get the same rates as your other accounts. They are offering the ING Direct accounts that they acquired a lower rate than their existing customers. I feel that this is very dishonest and I should get the interest rate that was applicable at the date of transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
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 reviewed my credit report and XXXX XXXX and XXXX XXXX Bank XXXX account # XXXX are reporting on my credit I do not recognize and I did not authorize this account/Inquiry

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 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have attempted to contact the data pullers below to remove my inquiries as they do not have my informed consent to use or access my credit data. I did not give them permission to access my files. I have informed both the credit bureaus and the data requestors and have gotten no resolution These instances are on my Transunion 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 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 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 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 explanation
Consumer complaint received 2022-06-19
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:
Acct. name - XXXX XXXX XXXX, acct. # XXXX - acct. type - open date XX/XX/2019, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. I HAVE THE RIGHT TO PRIVACY.

15 U.S.C.1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish an account without my written consent.

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: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Belk company has the same account listed on my credit report twice. The amount due is the same yet different account numbers are noted. I have requested validation for each account and have not received any validation. Therefore I concur both accounts are incorrect and would like them removed from all 3 credit bureaus.

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: 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 mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward, Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

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.

Company response to consumer: Closed with explanation