BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-13
Company: EQUIFAX, 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:
For the past 18 months I have been disputing with Equifax Inc., the consumer credit reporting agency. I have sent affidavits, police reports, certified compliant/demand letters to Equifax Inc. They have continued to delete and than add accounts back on my credit file without providing evidence obtaining my signature. The following are accounts that Equifax Inc. added to my credit file without my permission nor evidence that these account are mine : 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 was reported for same account as XXXX XXXX XXXX for XXXX XXXX I also told Equifax Inc. to remove the addresses not affiliated with me, those address is as followed : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX My last certified letter that I sent Equifax was on XXXX XXXX, XXXX and they continued to keep my credit file the same or re-adding accounts and not providing me with actual proof with signatures that these accounts belong to me. 

Also Equifax Inc. has taken off accounts that belongs to me, I 'm demanding those accounts back on my account which is as followed : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2017-09-13
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:
After chasing down information myself, I discovered through the Equifax website that they might have compromised my personal information in their recent hack. They have yet to give me a definite answer as to whether or not my information was compromised, nor have they provided an avenue toward a resolution. The information in question was not voluntarily given to this company by signing up for their services, but rather collected by Equifax as a facet of their business model. Not protecting this data properly is an enormous violation of the privacy of me and others in my situation who did not choose to explicitly trust this company with our private data.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a security freeze on my credit. In the past, I was able to use a PIN number that Equifax provided to temporarily lift my freeze. Since Equifax rolled out my.equifax.com, I  am now unable to use any electronic means to change my security freeze status. All attempts to contact Equifax through various communication channels, chat/phone, have been unsuccessful. Not only have these attempts been unsuccessful, the customer service agents have not been able to provide any escalation path to addressing my issue. 

I am at a point where I can either leave my security freeze in-place and use the other two bureaus to unfreeze my credit or mail my request for a temporary lift to Equifax as the need arises. I would prefer to keep my security freeze in-place as my SSN and PII was subject to the recent data breach with Equifax. 

I am looking to connect with someone who can help address any issues with my account so I can begin using digital means of managing my security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: AFNI INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Afini credit collection company fasley reported and fraudulent account on my credit reports and when i reached out to the company they provided me with false information and I repeatedly told the Representative that this debt wasn't mine, XXXX ID number is XXXX he informed that this was my debt.. I asked XXXX were there any mail sent to me inreference to this debt and he informed me no so how do you place something on someone's credit without giving them the opportunity to defend the debt or their case and he stated they didn't have to notify me and than I asked to be transferred to a manager and he sent me to a coworker voicemail so I hung up and tried calling him back but of course I got another representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: MA
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 have been sending letters and notices to EXPERIAN to get inaccurate information removed from my credit report. I previously have been trying to get EXPERIAN to validate and verify all accounts listed on my credit report. After further review of my Consumer Report all the accounts that are being reported have a Payment status of " Charge-off ''. According to a IRS Publication on the IRS website, the IRS defines a " Charge-off '' as gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which is a fact makes the reporting of all the accounts on my Consumer report inaccurate. This is in my second CFPB Complaint the week, the inaccuracies on my Consumer Report are cause me mental anguish and I hope I wont be discriminated.

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 2019-10-15
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have fraudulent accounts, I did not open on my credit report and I have contacted the credit bureau 's and credit companies to have the items fixed on my credit, but the items are still reporting on my credit and is damaging my credit history. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
American express blue prepaid card XXXX XXXX XXXX, code XXXX, expiration XX/XX/XXXX charged me {$2800.00} without my permission or authorization for a car rental which was already prepaid. They took {$900.00} I had on my account at that time, plus left unpaid balance, and fees American express imposed. It happened in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX after checking my credit report I noticed that this file from XXXX appeared. It is not mine, so I disputed it. Additionally, I contacted XXXX and they agreed that the account in question was not mine and agreed to request its removal. This account was removed from both XXXX  and XXXX XXXX however it remains on Experian. I contacted Experian several times and as of date they still have this account on my credit file damaging my credit. They state that the account was verified, however as you can see it could not possibly be verified. Experian is deliberately violating my rights under the FCRA by reporting invalid unverified information and alleging it is having investigated this which obviously it had not. Please see attached proof.

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 2022-06-13
Company: Hillcrest Davidson & Associates
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently reviewed my credit report and I noticed a fraudulent collection account on my credit report I have never done business or signed a contract with them In do not know who this company is. I feel liken I am being pushed against the wall with their fraudulent activity.

15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Pan Am Collections, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XXXX XXXX, 2017 a debt collector called my work looking for my boss they call almost every day we forward the messages to our boss but that does n't seem good enough for them today he called 4 with 1 to 3 seconds apart each phone call the first two phone calls he yelled and screamed at me told me to do my job to get my boss to pay the debt I explained to him that I ca n't make my boss do anything I 'm not on his checking account this debt has nothing to do with me and he should not be talking to me like this I hung up the phone he immediately called back his tone was even worse the fourth phone call I recorded with him yelling at me telling me that it 's all my fault with you here in the recording down below I then contacted the company to put in a complaint myself the company said it is quite OK and OK for the company to talk to me this way basically I allow my boss to go without paying his bills he called my boss a scumbag at that point in time I knew I was not gon na get through to these people and I hung up the phone I think that person who he said his name was XXXX is the same person that calls here every day looking for my boss The company name is Pam am debt collectors as I stated above this debt does not belong to me but the man got very abusive with me over the phone several times on the date listed

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XXXX/XXXX/XXXX, I attempted multiple times to obtain an Experian credit report thru XXXX. Each time the Experian website timed out. 

I then attempted to use the " Add a Security Freeze '' option on Experian 's website ( v ), but that also timed out/did not load. 

I also attempted to do both using different browsers ( 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 2022-06-13
Company: Chime Financial Inc
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Iam set up to receive my direct deposit from my employer and still have not gotten it. I've spoke to my employer and the payroll dept for my employer and can show where it was drafted from employers account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
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 fraud alerts or security freezes

Complaint:
Credit reporting agencies collect, retain, and distribute my personal and financial information, most of which is done without my explicit consent. Now one of these agencies has compromised the data of nearly every American adult. I should not have to pay a fee to freeze my credit, or an additional fee to thaw that freeze later. I would like governmental intervention to make freezing and thawing free.

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 2017-09-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Credit reporting agencies collect, retain, and distribute my personal and financial information, most of which is done without my explicit consent. Now XXXX of these agencies has compromised the data of nearly every American adult. I should not have to pay a fee to freeze my credit, or an additional fee to thaw that freeze later. I would like governmental intervention to make freezing and thawing free.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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 non-monetary relief
Consumer complaint received 2019-10-15
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For a very long time I have been in receipt of phone calls from this organization claiming I owe a debt that does not belong to me. They will not disclose any proof and since I have paid every other bill in my life exactly on time I am bewildered. They have refused to stop calling me both at home and at my workplace and claim to make there own regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My identity was stolen in early XX/XX/2022. I immediately froze my credit across all three bureaus, followed the guidelines on the FTC, created a fraud alert, and have a police report. In XXXX my reports across all three bureaus were unfrozen without my consent. I was able to refreeze XXXX  and setup a pin. As of today, it appears that XXXX has not been unfrozen ( great! ). My complaint is against both Transunion and XXXX. Multiple days so far in XXXX, my credit has been unfrozen at both of these credit unions, without my consent. Despite calling both organizations and discussing this with customer service, I was told there is no way to secure my account. At one point, while talking on the phone with customer service at XXXX, another user called in on another line, and requested my account be unfrozen, and they obliged! I watched on my online account as the indicator noting the freeze had moved between frozen and unfrozen, while I was logged in. The only information needed when a caller calls transunion or XXXX is SSN, numeric portion of your address, date of birth, and zip code. All of this information has been compromised for me, so someone continues to call bureaus and easily unfreeze my credit regularly now. Almost immediately after it is unfrozen, I receive hard and soft inquiries for credit unions, banks, cell phone accounts, etc. Is there absolutely nothing I can do to make this all stop? I have absolutely no power to control my credit being frozen, and that is unacceptable. Help!

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 2019-10-15
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I obtained NetSpend prepaid Visa card and after paying {$4.00} deposited {$200.00} on XX/XX/XXXX. After I tried to use card I was informed that I would be able to use it for 2-4 weeks! I wasn't able to pay bill while NetSpend was holding my money! In XX/XX/XXXX I filed lawsuit in small courts against NetSpend but it wasn't resolved since they haven't showed up.

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 2019-10-15
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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