BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-14
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Honestly I do not know the laws governing this issue or if I have a legitimate complaint. Unfortunately I have a few collections on my report because of myself being on XXXX and just can't pay them. The collections agencies close and open add and remove collections accounts at will. One moment the collection is on my reports and then they close it and remove it which causes my score to go up and down constantly. It is taken off my report and closed and as soon as my score goes back up they report it and open it again. This can't be fair can it? How am I suppose to get to a point where I can get back on my feet to even pay them when they play this game with the credit report. I have contacted the credit bureaus and they say the account is verified but i know this is an automated feature and no one actually looks at the information which is another unfair situation. I have been affected by the pandemic and this is really stressing me out there has to be something that can be done to stop them from playing games with my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: NAVY FEDERAL CREDIT UNION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Navy federal was offering a service that would credit your account to a positive balance to allow the use of the child tax credit which any moneys owed would be withdrawn in XX/XX/2022. The bank sent a message out Im error of navy federal that provided the incorrect amount, I just received a new amount which is triple. They arent willing to offer any assistance or payment arrangement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: FISERV INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In yet another XXXX occurrence from the company known as " XXXX '' sometimes moonlighting as First Data, or FISERV, these idiots have now erased all of my now 4 unnecessary XXXX accounts that they created, XXXX, XXXX, XXXX, and XXXX, but now this morning sent me a bunch of alarming emails indicating a credit card charge back from a former client, but now without the ability to see what the XXXX they are talking about, because as was stated above these XXXX  have deleted any & all data relevant to said " charge back. '' We have previously accused this recently merged merchant services behemoth of targeting me & my XXXX XXXX business because we have filed various/myriad complaints against their various corporate names/incarnations for foul, terrible, awful, bad merchant service, with such XXXX employees as XXXX XXXX & others , who we believe roam throughout the company sabotaging our business 24/7. Please investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Here are attatched of all the proof u need to dismiss my 180 days late payments on my Transunion XXXX and XXXX report. this is concerning my education loan through XXXX. I have never missed a payment due to me always being on a deferment or forbearance option with the loans for my schooling.

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: VA
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:
Today, X/X/17, Equifax mishandled my information, putting myself and so many millions of other people at risk of identity theft, for the rest of our lives. I was informed by Equifax that I am affected by this data breach. They have shared all of my data, some that can never be changed, with who knows who - with everyone, essentially. My private data is now public, and there is no going back, for the rest of my life. 

Free freezing of my credit should be offered ; that they can now profit, indefinitely, from their negligence by charging me to freeze my credit, or to monitor it after a short period, is unacceptable. They failed completely in their most basic duty : protecting personal information from identity theft. They 've compiled massive amounts of data on millions of people, and failed to safeguard it, essentially handing over this data to scam artists on a silver platter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XX/XX/2008 Balance : {$2900.00} XXXX XXXX XX/XX/2008 Balance : {$3800.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$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 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:
My personal information was stolen in a data breach at Equifax from mid-XX/XX/XXXXthrough XX/XX/XXXX. The hackers accessed my name, Social Security number, birth date, address and possibly my driver 's license number and credit card numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
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:
Equifax is listing this account status as INDETERMINATE while the other bureaus report it as CLOSED. 

Equifax is also listing a date of last activity as XX/XX/XXXX while the other bureaus are reporting different dates of last activity ( XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX ). This indicates the account was illegally re-aged. 

The last reported date is also listed as XX/XX/XXXX, which also means this was never legally verified. 

Equifax also continues to report positive payments on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
on XX/XX/2022 I received a copy of my consumer reported and noticed this one account which was open fraudulently XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) balance {$1200.00} I have no knowledge of this account and I want it removed immediately.

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 2021-08-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I used a Capital One ATM and was charged a service fee of {$10.00} and interest of % 0.50 with no notice of any fee. The XXXX XXXX XXXX XXXX XXXX is amending Regulation E ( Electronic Fund Transfers ), which implements the Electronic Fund Transfer Act ( EFTA ), and the official interpretation to the regulation. In XX/XX/2012, Congress passed and the President signed legislation amending the EFTA to eliminate a requirement that a fee notice be posted on or at automated teller machines, leaving in place the requirement for a specific fee disclosure to appear on the screen of that machine or on paper issued from the machine. This final rule amends Regulation E to conform to the EFTA amendment. 
No fee of any find was on the screen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-09
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:
Equifax 's information security program failed to properly protect my NPPI as a result of a massive data breach. I checked their website, which confirmed that my data was likely exposed. Equifax attempted to offer account protection services, but demanded a waiver a future claims. The CFPB must ensure that Equifax properly protect consumer data and provide FREE monitoring services without demands for waiver of rights. The company is responsible to protect its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: SD
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 mismanaged my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website ( www.equifaxsecurity2017.com ). They have put myself and millions of others at risk for a lifetime of identity theft/fraud due to negligent security protocols in handling consumer information.
Furthermore, they have been attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
On XX/XX/2021 someone applied for 3 different credit cards. Capital One, XXXX XXXX and a 3rd that I can not remember. This was not me and I need them removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/XXXX ( XXXX only ) 60 days late as of XX/XX/XXXX ( XXXX only ) 30 days late as of XX/XX/XXXX ( XXXX only ) 60 days late as of XX/XX/XXXX ( XXXX  only ) 30 days late as of XX/XX/XXXX ( XXXX & Ex only ) 60 days late as of XX/XX/XXXX XXXX XXXX XXXX XXXX only ) 30 days late as of XX/XX/XXXX XXXX XXXX & XXXX only ) 60 days late as of XX/XX/XXXX ( XXXX & XXXX only ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

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 2019-01-09
Company: Experian Information Solutions Inc.
State: KY
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:
There are many mistakes appear in my report without my understanding.

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 2021-06-09
Company: DISCOVER BANK
State: NY
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:
1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2018 This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

3. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

4. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XXXX  XXXX XXXX sent me US {$2900.00} via Western Union on or about XX/XX/2023. 

I have been trying to get the money but every single time I try to receive my money, Western Union refuses to give me my money.

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: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a letter asking XXXX to remove the incorrect names and addresses from my report. I also requested that several of the inquiries, Collections listed were not mine and/or not authorized. The information is still listed on my report and I never received a response from 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 XX/XX/XXXX  XXXXXXXXXXXX  XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX XXXX/XXXX/XXXX Collections- XXXX XXXX {$0.00} XXXX/XXXX/XXXX XXXX XXXX XXXX {$59.00} XXXX/XXXX/XXXX XXXX {$280.00} XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
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:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.

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 2022-07-11
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:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.

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: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX, 2017, I found out that my personal data was compromised by the Equifax data breach. I tried to add a security freeze with all three agencies. I received error messages by all three - I believe because I am new to the United States and have a short credit history. However, I was able to add this freeze to XXXX and XXXX by phone. When I tried to do the same with Equifax, they provided no option to add this by phone. They requested that I mail in my social security number, name, date of birth and credit card details to a XXXX XXXX XXXX - which is highly insecure. I called the hotline for the data breach issue and was told that they are n't Equifax, they 're contractors and they ca n't provide me with a customer service number for Equifax, that I should XXXX it. I found a customer service number online that 's only active during the day Monday to Friday. My data is stolen and I have to wait three days to do something about it? 

I tried instead to add a fraud alert so that any issues could be prevented right away, and again I could n't do so online or by phone and I was requested to mail in the information - including a photocopy of my social security card! 

This is highly unprofessional and negligent of Equifax. In my opinion, I should have automatically received a security freeze at no cost - and now I 've spent three hours dealing with this, and I have no guarantee of resolution. Further, I have to risk further compromise of my data by sending in my information by mail to a XXXX XXXX , which means I ca n't send it by courier for sign on delivery. 

In sum : - They allowed my data to be stolen - They are not offering any remediation to protect from abuse or identity theft ( credit monitoring is reactive. They will tell me if something happens after the fact and I will have to invest the time in the remediation ) - They are not contactable - They are not honoring a request for a security freeze or fraud alert to be placed immediately on my account - They want me to further compromise my data by sending all of my personal identifiable information by mail to a XXXX XXXX XXXX, which eliminates the ability to send it by courier and getting a name of someone who signed for it - They do not provide the time lapse between a mail in request and when they will actually place the freeze. So if I risk sending my information by mail, there is no timeframe to resolution It 's criminal that these credit reporting companies have no oversight or governance. They have the most sensitive data of nearly everyone in the USA and they are being negligent with it. And there is no means of remediation.

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:
I found out that Equifax was recently struck by a cyberattack that resulted in a security breach of personal information. Upon going to their website and filling in my information, it was mentioned that I could be impacted by this breach. I am extremely worried about the potential for identity theft from this incident.

Company response to consumer: Closed with explanation