BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: NY
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 credit information was compromised by Equifax on XXXX XXXX and they waited to inform me. I have never given permission for the information Equifax possesses to be maintained and so this security breach severely compromises my identity and credit worthiness. This is unacceptable. This company also sold stocks between the date of the breach and consumer notification which reeks of possible insider trading. Please investigate this company and hold them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
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:
Incorrect information on my credit report Sub-issue : Information belongs to someone else date open : XX/XX/2021 amount : {$210.00} XXXX date : 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 2022-01-17
Company: EQUIFAX, INC.
State: OR
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 contacted XXXX, XXXX and Equifax in XXXX of 2021 to ask them to properly verify information that was being shown incorrectly. The dates my account was late is entirely inaccurate. This account was closed months before the Charge off. 

I will assert my right to arbitration to remedy the credit bureau 's failure to furnish accurate information. It is my right at this point to have this information deleted from my credit report. 

If XXXX, XXXX, and Equifax fail to do their part again, I'm ready to sue in small claims court because of my legal standing under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX credit fka simple autorize a loan to be taken out under my name and social security for a rent to own furniture store. They are now reporting late payments to my credit beaureu.

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 2022-01-17
Company: The Outsource Group, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a phone call from Medicredit on XX/XX/XXXX saying I have a medical debt. The medical debt with XXXX XXXX XXXX XXXX was dismissed because it was misfiled with my insurance. They resubmitted it. After the initial phone call, then I get a letter to dispute within 30 days. The letter was received on XX/XX/XXXX and a phone that same day. I wrote them to cease all communications with me and that this debt was not valid. They must not keep in contact with their clients to see this. I received another phone call on XX/XX/XXXX. They did not give me notice beforehand and no 30 days to dispute and even after getting my letter, they are still calling. They are violating numerous FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: LA
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 Fair Credit Reporting act XXXX XXXX XXXX account number 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. 

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2018-06-03
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Southern Managament third party for ( XXXX XXXX/ XXXX XXXX ) attempted to claim their is a balance due for {$9100.00} for a apartment I rented in XXXX XXXX Florida XXXX I moved out of the apartment for job relocation. I provied them all information they needed include written letter i was leaving. date included. I forefitted all security deposit as well as i paid the rent for the time the apartment was not rented which was two months. 

Their claiming their were damages of this amount for the apartment. The apartment complex never notified me of this owned amount. I received harrassing calls begining 12 months after leaving stating this debt was owned. I communicated several attempts with this collection agency to provide the proof of information that would validate the debt. They flat out refused- any settlement offers i have made during that time of XXXX-XX/XX/XXXX they refused. Even offered settlement when they could not prove the debt or the details of damages. I contacted the property manager myself and went to property in which they no longer had any information or record of me living there and could not provide information either. 

I submited a dispute with XXXX  in XX/XX/XXXX via online dispute stated the dispute was closed- however I did not realize this was stated the dispute was already closed when it goes into collection. I was attempting to resolve this and have it removed was the purpose so i choose the wrong tactic on website. The company is called Souther Management Company. 

I have been attempting to resolve this debt for over 7 years. This company in the beginning called and harrassed and threaten to damage credit report, hold funds, hold tax returns, contact banking center i bank with and withdrawl money. I have not been in contact with them because of their bullying tactics. 
They have never sent information to me concerning this debt- or the detailed report i have asked for several times. I receive one email from them stating that the debt was valid but no other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/2022 I pulled a copy of my free Consumer Reports. After review of my most recent reports I discovered accounts that were not authorized by me. These accounts are result of Identity theft. I filed a report with the FTC it will be attached with this complaint. Fraudulent accounts include, XXXX XXXX XXXX ( {$12000.00} ), XXXX XXXX ( {$500.00} ), XXXX XXXX ( {$3000.00} ), XXXX XXXX XXXX ( {$1400.00} ), and XXXX ( {$10000.00} ). I am currently working with my local authorities to get help on pin pointing the person/s who are responsible for opening these fraudulent accounts. Please block and delete these accounts from consumer reports. They do not show an accurate account of my creditworthiness.

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 2022-06-17
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Fair Collection and Outsourcing Inc. reported a false rental debt to credit bureaus in violation of Reg. F, 12 C.F.R. 1006.30 ( a ) ( 1 ).

The debt was never verified and stems from a landlord tenant dispute without a valid court judgement.

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 2022-06-17
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:
in accordance with the fair credit reporting act i believeXX/XX/XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
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:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX 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. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXX, NJ XXXX RE : XXXX XXXX XXXX EXPERIAN : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XX/XX/2022 US Mail # DEMAND LETTER To whom it may concern I [ XXXX XXXX ] a natural person, consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from Account [ XXXX ]. Be advise pursuant to 15 USC 1666b ( a ) ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. 


I am notifying you in writing that I would like these late payment ( s ) removed immediately. I am also demanding that you refrain from ever reporting another late payment ( s ) future wise. I hope that you comply and that this issue will be resolved and handled here amicably. 






Kind regards, XXXX XXXX XXXX : CFPB XXXX : FTC XXXX : ATTORNEY GENERAL

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 2017-09-10
Company: EQUIFAX, INC.
State: DC
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, despite no assertive behavior on my own, has collected and stored a wealth of credit information about me as a private citizen for years and has now subjected that data to a system breach. This is a fundamental breakdown of the public trust and social contract of our society. We did not ask for these monitoring services and now a *private* company* has lost all that data. The impact of this can not be overlooked. Loss of my data gives bad actors years of information they can use to now attempt to impersonate me or gain access to my online accounts. Please help and let 's get to work changing the way this entire ecosystem of quasi-government monitoring is handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
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:
I was another victim in the large scale Equifax hack. Like many others, it was suggested that I check the status of my personal information on their website, and after doing so, I was told that I should return at a later date, and was directed to a page with ads for their credit protection services, which given the situation, is entirely improper. 

Moreover, with the number of times that I 've moved in the last few years ( I just finished XXXX XXXX, and even moved in the middle of that for an XXXX ), I 'm having trouble checking my credit report through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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 60 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 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 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 60days 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 21 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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX RE : XXXX XXXX XXXX XXXX : TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XX/XX/2022 US Mail # DEMAND LETTER To whom it may concern I [ XXXX XXXX ] a natural person, consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from Account [ XXXX ]. Be advise pursuant to 15 USC 1666b ( a ) ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit.

I am notifying you in writing that I would like these late payment ( s ) removed immediately. I am also demanding that you refrain from ever reporting another late payment ( s ) future wise. I hope that you comply and that this issue will be resolved and handled here amicably. 






Kind regards, XXXX XXXX Cc : CFPB Cc : FTC Cc : ATTORNEY GENERAL

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 2017-09-10
Company: Stellar Recovery, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
STELLAR RECOVERY INC ; has not posted a debt for XXXX $ as a new collection item to my credit report three times on : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I called to inquire why they are submitting as new collection items each time having to figure out what the XXXX $ was on my own as I did not receive any form of communication from Stellar Recovery in any shape of written, phone or electronic. They were exceedingly verbally abusive and was transferred to an auto voice giving me an email to write to them about my " concern. '' I called a second time and finally talked to someone who only said they will look into this but it is their policy to report at least once a week, in essence resetting the collection date to re-age the account and force the person to pay to avoid more credit damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received a letter today stating tried to purchase or open account with. PayPal credit Payment. I live in Iowa don't have this and don't know what it is about. Feel it is indenity thief or scam

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 2022-01-17
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
account XXXX XX/XX/21 180.00 XXXX140.00 XX/XX/21 100.00 XX/XX/21 XXXX XX/XX/21 XXXX my atm card and in my bag with all my documents an dpasswordes and piin numbetrs was stolen and used to gain access to my checking account and use atm without my knowledge i did not authouriaze these transactions and citit bank is flat out refusing to honor the aggrement of my checking account that all unauthorized transactions will be refunded ( and a provisional money given while under investigation ) i was not given provisional money nor refunded these unauthorized transactions! i filed a police report myself as well. regaarding this issue. I want to be reimburesesd as per the agreement when i opened the checking acct.

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