BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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:
Is it that har for the Credit Bureaus to do their investigation and verify the information the report on my Credit File? The Credit Bureaus had become negligent of their duty and kept ignoring the letters I have been sending to them. The most recent letter I send to the Credit Bureuas was lsat XX/XX/2022, was already my sixth attempt to reach out to the Credit Bureaus, emphasizing the importance of the FCRA section 605b ( c ) ( 1 ) ( c ) Athority to Decline and Rescind. Once again, I have been a victim of Identity Theft and the Items I am disputing does not relate to any transction that I have made or Authorized, therefore, the Credit Bureaus have no right to decline my requests for the removal of the disputed items from my Credit report. If the Credit reporting insist that the items belong to me, I will require all documentation that bears my signature to prove that the alleged items are mine. The Credit Bureaus became lazy and did not comply with the FCRA regulation, thus their action have done negative impact on my Credit report. I have been submitting complaints regarding this matter and I am disputing the fraudulent items once again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXS XXXX, MO XXXX XXXX XXXX XXXX XXXX Owed : {$35000.00} XXXX  XXXX XXXX Balance Owed : {$2600.00}

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 2017-09-08
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 has suffered a huge data breach. They will not confirm or deny my credit data was stolen. I am only offered an option to check after 7 days. Also they are trying to charge me money to freeze my credit report. Seems outrageous after they allowed their systems to be hacked and now want to charge me to protect my credit rating ...

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 had my information which was collected and then shared with others without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is regarding the Equifax hack. I just checked my credit score and it is down XXXX points. I am actively trying to repair my credit in the hopes of buying a house soon. This will set me back and I am not pleased.

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:
XXXX was hacked! I was possibly affected. I tried to enroll in protection program and was told to save the website and come back on or after XXXX XXXX. XXXX should have immediately enrolled every consumer affected or possibly affected and then contacted the consumer with the news and reassurance they were enrolled for a lifetime of credit monitoring!!!! The executives that cashed in before announcement and before stock tanked should be investigated and jailed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: CA
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 recently noticed that there was an account on my credit report that I never opened, then i decided to do some investigating myself which also led me to findout that there was a checking account also opened without my knowledge. This is when i found out that i was a victim of identity theft. I closed the checking account and decided to file a federal trade commission identity theft report. I used this document to help me remove this fraudulent account off of my credit report. I contacted the creditor and the credit bureaus, sent them the needed documents to remove this account but both kept verifying it as accurate.

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 2022-07-12
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 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 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 sent letters, disputed, called and notified my credit bureaus that this is a result of identity theft. My wifes ex sister in law was staying at our house when we were out of the state and this was opened and had access to our bank account cards. My XXXX email was hacked and breached and to my understanding was used to correspond with this company. My wife and Is phone were hacked and flashed for our number and it took getting new phones to resolve this. We had to stop payments on this when my wife balanced the check book and realized money wasnt balancing and there were multiple withdrawals for this including having to get new cards and accounts etc. Its my understanding also that the address used was XXXX XXXX XXXX XXXX but we moved in XX/XX/2018 to XXXX XXXX XXXX XXXX and utilized our XXXXXXXX XXXX XXXX account. Its my understanding that the calls on the original loan have voices from multiple different people. This loan shows refinanced and it was my understanding that this was to be closed and removed but it looks like someone got to run off with the money and I did not take this loan with my knowledge or consent. The contract I have seen only once stated interest in the amount of something like 188 % which I dont believe to even be legal. They are stating I owe {$2500.00} to them and this is a result of identity theft. I just recently learned my rights and have asked them to remove this after the XXXX account and XXXX breach along with my drivers license and wallet being stolen from me at work. I have had multiple loans with my credit union and would never need a loan with this insane interest which is predatory to say the least.

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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reports is not accurate either. The ground for removal they also violated under my rights 15 U.S.C. 1681 section 602 A States I have the right to privacy 15 U.S.S 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. They ignored my dispute and since then I have lost out on grants, loans as well as credit card offers due to their negligence. I also receive harassing phone calls from 3rd party collection agency due to them furnishing deceptive INACCURATE information. The calls are non stop AFTER I informed these parties that my number was on a do not call list as well as sent a cease and desist.

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 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
RE : File # XXXX I 'm complaining because Transunion have failed to comply with, furthermore blatantly disregarded, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing. I sent them a dispute letter requesting that they verify all data for the disputed account and nearly 40 days later I have yet to receive anything of the sort. Because it is well past the time permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. I ask that you resolve this matter with urgency as my character is being adversely affected and may be hindering me from obtaining financing to purchase a home because of their wilful non-compliance with the FCRA. Thank you.

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 2022-07-12
Company: Experian Information Solutions Inc.
State: TX
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/XXXX, I sent several letters disputing items on my Experian Credit report to include late payments, medical debt collections, and HIPPA violations. Experian is supposed to provide detailed information on how they investigate and validate these claims and I was supposed to get a response in the mall within 30 days including an updated copy of my credit report. On XX/XX/XXXX, I received an email from Experian that everything I disputed was verified. Yet I received no information on how they achieved that verification. No information of any kind to substantiate their claims of verification was included. I do believe this is their normal response anytime anyone tries to dispute something on a credit report in hopes that people will simply give up. I tried twice, once on their actual website, and then again by mailing certified letters. I am attaching copies of the letters that I sent to Experian. I am also attaching the receipt from the certified mailing notice.

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: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

1. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3.The Following Account Was A Charge-Of. Balance should be XXXX. 
XXXX Account Number : XXXX The Following Account Was A Charge-Of... 

* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, 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 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:
I validated the security breach had affected me at the suggested link provided by Equifax ( https : //www.equifaxsecurity2017.com/potential-impact/ ). When attempting to get a resolution, I was forwarded to sign up with a pad security service ( free for one year ) with the caveat of forfeiting my rights in a class action lawsuit against them. In summary, Equifax did the following : 1. mishandled secure information with an insecure API that allowed data to be returned to attackers in plain text. 

2. Did not disclose the breach this for over a month while executives sold stock, instead of immediately notifying affected individuals. 

3. Are attempting to prey on victims of this attack further through a carefully worded arbitration agreement that waives litigation rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Albert Corporation
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I got referred to Albert by my friend and their joining terms promised to pay {$500.00} to me after completing the qualifying activities for the first 3 months ( direct deposit and debit card purchase ). After a few days of joining, I confirmed this over text support and they verified the same saying that they see me being referred by my friend which makes me eligible for the bonus. However, after meeting all the criteria I don't see {$500.00} yet deposited into my account. 

Also, after joining Albert, I referred two of my friends for a {$500.00} bonus each ( 2* {$500.00} = {$1000.00} in total ) and they joined via my link & completed their activities as well but I don't see any {$1000.00} deposit in my account for referring them. 

But now after a few months, when it comes to paying the bonus, I tried to contact Albert over email and they said they don't see I was referred by anyone which is not true. 

I hope this is not the experience you would like your customers to face. Please resolve this and my account should be deposited {$1500.00} in total ( {$500.00} for joining and completing activities + {$1000.00} for the 2 friends I referred ). Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian and XXXX XXXX XXXX XXXX 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. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is 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/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
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:
I was notified that my personal information was compromised as a result of the XXXX XXXX 2017 security breach at Equifax. I want to file an official complaint and I want to know how Equifax plans to protect myself and millions of others implicated. I do not want to be financially responsible for something that happens as a result of their ineptitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WA
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:
This week ( XXXX/XXXX/2017 ), Equifax disclosed a security breach in which 143 million US customers of the agency had their personal information taken. I checked on https : //www.equifaxsecurity2017.com and the site alerted me that my personal information may have been impacted by this incident. This amounts to improper use of my personal data by having it disclosed to 3rd parties without my consent ( even if Equifax is a victim in this case as well XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
On XXXX XXXX, 2017, because of insufficient security safeguards, Equifax announced that they allowed my personal information, credit report, and possibly my credit card numbers to be accessed illegally by third parties. They have set up a site to verify that you are a member of the effected class, and I have confirmed that I am a member through this method. I declined to enroll in their protection program, because it would force me to waive my right to join a class action suit regarding this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I tried to find out how much I owed Bank of America by calling their phone. They would not give me the amount until I gave them information on my brother & son who have nothing to do with our cards or money. They wanted personal information like where they lived & more. We have always paid on time. I never got the amount owed.

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 2018-08-22
Company: Equitable Acceptance Corp
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: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a loan to purchase a ticket to a XXXX XXXX event. The company Equitable Acceptance is the financing company which XXXX XXXX uses. Initially they pulled my credit report in XX/XX/2017 to see if I was eligible for financing and I was approved for the loan. However, they pulled another hard inquiry again in XXXX which I dont know why and I did not allow. Since then, the loan has been completely paid off years before the due date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation