BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-30
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
To whom it my concern : My husband and I had a bankruptcy on XX/XX/XXXX, our home was not in the bankruptcy it was to be reaffirm, either the bank got the reaffirm or did n't I keep trying to get our credit for the mortgage and US bank keeps tell me its the credit report that is not recorded. I had to go bankrupt because my husband was unemployed and I could n't keep up on the payments. So we went bankrupt. So we had problems with mortgage payments, so US Bank help use by getting with a Home Affordable Modification Program, but they did n't tell us it was a 54 year mortgage. When we sigh the mortgage we thought it was for 30 years. My last mortgage account number that shows up on my credit report is from XX/XX/XXXXaccount number XXXX, now we have a new mortgage number which is XXXX that started on XX/XX/XXXX. So it 's a new mortgage so why is n't it getting reported to the credit report. We want to know why it does n't get reported. I need help to fined out why they wo n't reported, I have not missed a payment we pay our taxes, and Insurance with the payments. I have sent a letter to, US Bank XXXX XXXX default Management XX/XX/XXXX, on XX/XX/XXXX, Credit Bureau Dispute. I have called the XXXX on XX/XX/XXXX to see if it was them but they looked into it and it was US Bank XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TrueAccord Corp.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
As a federally protected consumer, I am highly disappointed and unsatisfied with TrueAccord. My name is XXXX XXXX and I am making this complaint against TrueAccord for violating a cease and desist notice received by their offices XX/XX/2022. I have no recollection of authorizing or giving TrueAccord any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt that claim I owe. I am fully aware that, in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are equally liable for violations pursuant to 15 USC 1692e ( 12 ). It seems as though this account has been turned over to innocent purchasers for value, when that is a very false and misleading representation. I have not validated any alleged debt with TrueAccord and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving TrueAccord any right to collect on this alleged debt. I have also never received any documentation requesting validation from TrueAccord before they decided to commit multiple federal violations under the Fair Debt Collection Practices Act. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, all collection activity and communication expect through mail to above address, of this and any alleged debts until TrueAccord can provide me with sufficient documentary evidence that I have any legal obligation to pay them. True Accord has advertised the sale of this alleged debt to coerce payment. I have abundant evidence of the use of abusive and unfair debt collection practices by True Accord ( EXHIBIT A, B, C ). This has led to an invasion and breach of my privacy. If this documentary evidence can not be produced and TrueAccord continues its collection efforts, I will file for arbitration and TrueAccord will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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

Complaint:
My credit data and pii was released and shared improperly. I am now at high risk to identy and credit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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:
" THIS IS NOT A DUPLICATE NOR IS THIS COMPLAINT BEING FILED BY A THRID PARTY. I AM FILING THIS COMPLAINT MYSELF. PLEASE SEE THIS COMPLAINT IS PROCESSED TO THE LETTER OF THE LAW '' XXXX, Experian XXXX XXXX are failing to comply with FCRA laws & sections. I was the victim of Identity theft & have reported the information to all 3 credit reporting agencies ( CRA ). I've provided them with a police report, identity theft report and identifying documents to substantiate my position. They have failed to provide me with any verifying proof these accounts, which were opened fraudulently, belong to me or I have any legal obligation. The following accounts & addresses were opened without my knowledge, consent or authority & I need them blocked/removed from my credit. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm including the police report, identity theft reports & my verifying documents to prove my position. Please see the listed accounts are removed/blocked from my credit 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 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
I was only informed via a XXXX article that my private information was stolen from Equifax servers back in XX/XX/XXXX. When I input my info on XXXX Equifax link, it confirmed My information was compromised and I would need to enroll in an identity theft product. By enrolling in the ID monitor I waive my rights. This will create a huge ongoing inconvenience and could delay a refinance. Equifax has such critical information that this could take many days, hours, or weeks to monitor over a long period of time. The thieves could also wait out the identity theft monitoring and then use my info to damage me. I am very concerned that equifax never contacted me directly, and this happened in XX/XX/XXXX. The identity theft service ca n't even start until XX/XX/XXXX. They have a responsibility to keep all info safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MI
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:
Apparently, Equifax, A Major Credit Reporting Company, allowed my personal data to be breached by hackers as early as XX/XX/XXXX of this year, is only reporting it now, in XX/XX/XXXX, will only provide free credit monitoring for a one year period, and I am not even allowed to sign up for this until next week. Possibly way too late for criminals to use my personal data. Then, as a provision of the short term free credit monitoring, I am required to waive my right to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/2022 I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on accounts I have listed below. After which I also filed a complaint with the CFPB ( Consumer Financial Protection Bureau on XX/XX/2022 for improper usage of my credit report. 

According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated that my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are STILL not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX US BANKRUPTCY COURT Account Number : XXXX Account Name : XXXX  XXXX US BANKRUPTCY COURT Account Number : 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 2022-07-11
Company: Experian Information Solutions 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:
The Credit Bureaus stated my account was properly investigated, but how is that possible if the Last Date Verified is inaccurate, the Date of Last Activity is inaccurate, the date Opened reported is inaccurate, the Account Status is reported inaccurate, and Creditor Remarks is reported inaccurate. This is grounds for removal in addition to violating my rights : 15 U.S.C. 1681 Section 602 A, States I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Experian Information Solutions Inc.
State: CT
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 noticed a XXXX account on my credit report- which was not mine. I contacted the company and they told me they did not have my information. I then contacted experian on X/XX/17- was told that my personal information may have been mixed up with someone else and they would investigate however, it remains on my credit report. I called again and was getting the run around

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: TN
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 told XXXX XXXX XXXX XXXX in XX/XX/XXXX that family members were abusing my social security number. XXXX XXXX XXXX confirmed this XX/XX/XXXX stating the family members are using a power of attorney without my knowledge /permission. Also XXXX XXXX XXXX transferred my loan in XX/XX/XXXX to XXXX. XXXX federal identification number was used, XXXX XXXX address in Texas was typed in. This was reported to IRS. IRS sent me a letter XX/XX/XXXX stating I am a victim of embezzlement. I was told there is property in Texas using my social security number. I sent you another identity theft affidavit certified, since you say you did n't receive the first one I mailed. In XX/XX/XXXXXXXX XXXX reported my loan to IRS in XXXX. Suddenly my loan is in Texas and the mortgages was being paid using The Tennessee Department of Labor funds, that was being directly deposited into my account and offset by XXXX XXXX XXXX allowed that did n't come to XXXX XXXX XXXX XXXX. My XXXX credit report reflects those payments in XX/XX/XXXXwhen I filed bankruptcy. The date of the loan was changed by family members to XX/XX/XXXX. If you need a copy please feel free to let me know via mail. I told you the family prepared my XXXX in XX/XX/XXXX after I was given an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the doctors office. In XX/XX/XXXX I filed a medical malpractice law sue. The attorney asked for XXXX dollars. In XX/XX/XXXX I received a settlement. Attorney XXXX XXXX XXXX filed the malpractice law sue as workman 's compensation and made my medical records public. I was laid off from XXXX XXXX XXXX of XX/XX/XXXX, a few days before you stated I was suppose to be notified of the transfer of the loan. As I 've stated I was under wage earner when this occurred. I was making payments to XXXX XXXX applied my payments. And reported to Transition credit on XX/XX/XXXX. XXXX XXXX was served a subpoena on XX/XX/XXXX to release me employee records and medical records to the courts. The company refused to do so. The case number is XXXX  XXXX, XXXX XXXX. XXXX XXXX XXXX. I 've reported this theft to the Tennessee Department of labor. XXXX XXXX XXXX did n't report my date to them. The family changed the date to get extensions using my social security number and account number to steal government funds. XXXX XXXX XXXX allowed this corruption. The family is involved in organized crime. These are very dangerous people, I stopped associating with them when I was much younger. I knew what they were capable of. No-one wants to listen to me. I never had an account to make payments to you using six digits in a wire check. You may want to to take me just a little more serious.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
I received a notice from TransUnion, dated XXXX XXXX. I received the notice XXXX XXXX. The notice said my credit score had a negative item. The notice said I could call this phone number ( XXXX XXXX ) to find out what the negative item was. That phone number is 'not valid in my location '. 
I tried going to the online address that was on the notice to view the information and was n't allowed. TransUnion wo n't allow me to set up an account -after I gave all the necessary information. TransUnion wo n't allow me to view the negative information.

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 2022-07-11
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email from Santander bank stating that I had just opened a checking account and that it could potentially be fraud. When I contacted Santander bank I asked them how they couldve opened an account in my name without having a copy of my photo identification to go along with the account to which they had no response. I am concerned that this bank is just opening accounts without verifying who people are and now fraud has been committed with my identity because of their lack of responsibility. I have had to pay for credit monitoring services because of this.

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: 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:
Equifax, through improper utilization of cybersecurity, allowed the personal data of myself and nearly 143 million individuals to be improperly accessed by non-authorized persons. Rather than issue a press release upon notification of the breach, Equifax allowed the breach to remain unknown to the public for 41 days, during which time Equifax executives were allowed to sell company stock ( see XXXX XXXX XXXX ). 

Considering the severity and potential impact of the breech, Equifax would have better served the public by doing the following : -holding a press conference upon discovery ( XXXX XXXX 2017 ) to announce the finding and intent to remediate the compromised services. This would allow initial questions to be asked and to get the word out to everyone as soon as possible so that they can take action to protect their identity and sensitive information. They would also announce their site where people could go to check to see if their data had been compromised and what to do if they had or not, listing their services as well as their competitors for issuing a fraud alert on their accounts. 

-Suspended operations on the compromised services until they were properly remediated. 

-Provided press release updates to the public on when services were expected to return to service, had returned to service, and when all services had been properly remediated. 

-Instead, by issuing a press release 41 days later, news of the breach was spread by word of mouth via social media ahead of more trusted news outlets and created greater scrutiny and erosion of trust between Equifax and the public. 

Stewardship of individuals credit history and the impact it can have to the public should be a constant concern to credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: RI
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:
During the recent Equifax hack, my personal information was compromised and I had to apply for multiple credit freezes to minimize by potential risk ( performed on XXXX17 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: TN
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 am one of the potential victims of the recently announced Equifax security breach, giving hackers access to my secure private information including social security number, date of birth, full address, and driver 's license number. As such, Equifax has not served as a good steward of my private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX ssn:XXXX DOB XX/XX/XXXX 2 years address : XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Balance {$1200.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$9400.00} Original balance {$9400.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX. 
Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$8500.00} Original balance {$8500.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX XXXX XXXX details 0 % of this account is paid off Balance on XX/XX/XXXX {$1000.00} Original balance {$1000.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/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