BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-19
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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: Experian Information Solutions 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:
I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet the 3 credit Bureaus refuses to remove me from being lates on this account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do 3 Bureaus job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update this damaging negatives from my profile. 
XXXX XXXX XXXX XXXX Balance {$3400.00}

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 2021-08-26
Company: EQUIFAX, INC.
State: MI
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:
Contacted creditors & bureaus 40 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these accounts that wrongly reporting be removed off my report as soon as possible. 


XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX 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 XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$490.00} XXXX XXXX XXXX XXXX : {$2600.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$11000.00} XXXX XXXX XXXXXXXX Balance {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed the same accounts with Experian numerous times beginning in  XXXX  only for them to claim they verified the information as being correct. I 've asked them for the method of verification and received a letter dated  XXXX   XXXX ,  XXXX  that unless I provide them with " additional '' relevant information they would NOT  re  investigate my claims. They NEVER provided me with the method of verification but just arbitrarily dismissed my dispute.

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 2022-02-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payments from XXXX XXXX Late Payments from XXXX XXXX XXXX XXXX XXXX XXXX from XXXX Personal Loan Late Payments from XXXX XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Tried to get free credit report and it stated that I requested report on XXXX/XXXX/15 which I did not

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I greatly appreciate the Credit Bureaus ' efforts to remove some of the information from my Credit File that resulted due to Identity Theft and I am grateful for what they have done. however I see here that there are still remaining items in which I believe were also opened due to Identity Theft. According to the Fair Credit Reporting Act section 605b, the Credit reporting agencies are required to remove any accounts and information that resulted due to identity theft. The following items must also be removed as they too are the result of the Theft of my Identity : XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$240.00} Medical XXXX Balance Owed : {$220.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX. I am, once again, appealing to the Credit Bureaus to take another look at my Credit File and investigate whether the reported items are factual and remove these items if unable to prove.

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 2022-02-10
Company: TD BANK US HOLDING COMPANY
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:
TD bank account was fraudulently opened back in XXXX. I did get it closed but TD Bank ran my credit which resulted in a hard inquiry on my credit. I need the inquiry removed as it is effecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received a notification from my lender fedloan serving on XX/XX/2022 that my loans were forgiven after previously being told that I had not made all the required payments. I XX/XX/2022 I called fedloan serving to request a refund of the payments made during the payment pause period related to covid I spoke with XXXX badge # XXXX I was told she would process my refund which was in the amount of {$5600.00}. I received a second notification of loan forgiveness indicating a different amount of forgiveness on XX/XX/2022. By XXXX XX/XX/2022 I had not received the refund and called and spoke to XXXX Badge # XXXX who indicated that I should have already received the monthly via direct deposit to the account I was making payment from she stated I should have received a payment for XXXX on XX/XX/2022 and another separate payment but she did not share the with me the amount. I explained that I received no such payments and wanted to speak to someone to discuss this further. I was transferred and waited in excess of an hour to speak to XXXX # XXXX who stated that since my account balance was zero I was not entitled to any refund of payments made during the payment stop. I do not trust that this is accurate and would like a refund of the payments made during the payment pause.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
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:
i have a lot of inquires for credit on my credit report all 3 of them Experian, there are address on my report that do not belong to me XXXX, and XXXX. i called all 3 to have a fraud alert put on my credit. they told me to come to the website to fill a report.

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 2022-07-12
Company: Experian Information Solutions Inc.
State: NC
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX  XXXX Balance : {$260.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX  XXXX Balance : {$5800.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXXXXXX Balance : {$68000.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX Balance : {$31000.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXXXXXX Balance : {$17000.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXXXXXX Balance : {$6600.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX  XXXX Balance : {$4800.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXXXXXX Balance : {$10000.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX XXXX Balance : {$400.00} XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXXXXXX Balance : {$21000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal permanently limited my account for 180 days yet I didn't do anything wrong. This happened on XXXX XX/XX/2022. I understand the decision was made for security reasons but this is unfair because I need to pay my school fees ( very urgent ) and bills as I don't have other means for getting money. Kindly assist a desperate case. The email address linked with Paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE
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 sent out a letter To Verify The Accuracy On my Credit Report. It's been over 30 days in have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof.

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is the term credit card means any card or plate, coupon book or other credit devices used device existing for the purpose of obtaining money, property, labor or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41. I demand that you remove the following accounts and send me my updated consumer report.

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 2021-03-25
Company: Consumer Adjustment Company Incorporated
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Consumer Adjuster says that i owed XXXX and this is already paid out and they are trying to extort more money out of me even though i dont have it so please do something about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my checking account prior to XX/XX/2021 and a check was sent dated for XX/XX/2021 in the amount of XXXX. I did not know that I had received the check already in the mail and called Capital one on XX/XX/2021 regarding a possible lost check. Capital one responded appropriately and cancelled the check. The very same day, I found the lost check, and tried to call them back and tell them to stop the previous action of cancelling the check. They mentioned a " back research team '' or " people in the back '' that handle this type of issue and were not able to give me any more help regarding this matter. My main problem, is the amount of time that it took for the corrective actions to be taken and the amount of times in which I had to call them. On XX/XX/XXXX, I called and was told that I needed to wait some more time for the check that was cancelled to be " actually cancelled ''. Could take several business days. Next, I called back on XX/XX/XXXX, and was told that they needed to sent more communication to the " back team '' in order to see about further actions on me receiving a new check or maybe reversing the previous action on the current check. On XX/XX/XXXX, I called yet again and they mentioned that it could take several more business days for the " back team '' to actually get back to the front team. Or some such nonsense as this. Now, on XX/XX/XXXX, I spoke with a supervisor who now confirmed that the check was being sent expedited my way. Note, that only after I made this phonecall, was this information relayed that the check was now being sent. Also, I had to talk to two separate people in order to get this information. I would now have to call back on Friday in order to get a tracking number. I received the following reference number for this final interaction which was : XXXX My complaint is that this will take over 3 weeks for a check to be sent because of this other check being cancelled. How is it, with today 's technology, that it should take such a ridiculous amount of time for a check? I do have bills to pay and have plenty of debt and this is not acceptable. I would want actions taken on this company for this inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MD
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 over a month (!!!! ). I received no email, letter, or phone call and instead had to discover it via social media ( even though they have all of my information ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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 Inc. said its systems were struck by a cyberattack that may have  affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' As a result of these revelations I have used the companies website www.equifaxsecurity2017.com which reported that I may be at risk for having my information leaked as a result of the company failing to adequately secure my data. It has also been shown that 3 Equifax Inc. Executives cashed out their company stocks prior to the release of the information contained within this report as reported by XXXX XXXX : XXXX.

Company response to consumer: Closed with explanation