BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-13
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 fraud alerts or security freezes

Complaint:
In light of the XXXX hack, I feel I should be able to freeze or otherwise restrict access to my credit report at all reporting companies completely for free, and at my own discretion, now and forevermore. Paying even a nominal fee for this service is unconscionable in light of the gross misuse of my data.

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 2022-06-14
Company: EQUIFAX, INC.
State: AL
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 call the credit bureaus to remove inquiries that are reporting on my report that wasnt authorized by myself. They advise me to call the individual companies that placed the inquiry on the report. So I did and the companies stated that they do not have any applications on file showing were I applied for there services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
this XXXX CARD Account Number XXXX Account Type Credit Card was paid in full

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 2019-11-23
Company: AmeriCollect
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I found out from my credit monitoring app that Americollect had posted a debt for collection from 2014 from a medical place. I never received any phone calls or mail regarding a collection in this amount for this debt. Ever. If they called, they did not say anything about a collection or money being owed.

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

Complaint:
In light of the Equifax hack, I feel I should be able to freeze or otherwise restrict access to my credit report at all reporting companies completely for free, and at my own discretion, now and forevermore. Paying even a nominal fee for this service is unconscionable in light of the gross misuse of my data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 these accounts below has violated my rights. 


Account Name : XXXX Account # XXXX. 


Account Name : XXXX Account # XXXX. 


Account Name : XXXX Account # XXXX. 

Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) Account # XXXX 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 2017-09-13
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: Account information incorrect

Complaint:
this XXXX CARD Account Number XXXX Account Type Credit Card was paid in full

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 2017-09-11
Company: Experian Information Solutions Inc.
State: NY
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:
unknown Inquiries on my credit report. 


Date Filed XX/XX/XXXX Type Credit Unions Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX   XXXX XXXX XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX   XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Reseller Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, New Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance Companies - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, New Phone Number ( XXXX ) XXXX Address 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 explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have submitted XXXX requests to remove all addresses from credit report that are old and not deliverable by postal mail per the fair credit reporting act. They have not removed my information despite the XXXX requests made to trans union and XXXX. They also have not removed inaccurate information pertaining to my name. 

I am also requesting an updated copy of my credit reports for my review as proof they have complied.

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 2020-06-22
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter. 

After sending several requests for validation for this debt in writing beginning in XX/XX/XXXX, the company then deleted the item. However, months later, they would illegally re-insert the item to credit report again. This has happened at least four different times. The most recent being XX/XX/XXXX sending a debt validation letter only to have them once again illegally add and report he information to credit reporting agencies again in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a follow-up to previous compliant number XXXX against Credit Collection Services. The initial complaint was XX/XX/XXXX. Credit collection Services responded " the complaint did not belong to them. '' On XX/XX/XXXX I called Credit Collection Services and received a reference number of # XXXX. I informed the representative I have received no response from my previous letters. The representative proceeded to give me the file number and also said I could dispute the collection via fax to XXXX. I was not successful in my initial attempts to fax and I called back to verify the number. I successfully faxed the company 3 times on XX/XX/XXXX with the fax confirmation as proof. 

The representative also gave me the website http : //ccsnotice.com and stated my pin would be XXXX. I spoke with XXXX XXXX @ XXXX PST on XX/XX/XXXX and XXXX @ XXXX PST on XX/XX/XXXX. 

Credit Collection Services closed the file with Consumer Financial Protection Bureau just as they ignored my certified letters requesting debt validation. I am sure this is illegal. Please see my photos as proof.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: MI
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 n 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 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 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 n 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 n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I had called in to customer service because we had issue trying to make our XXXX payment online. After speaking with an agent, she informed us that it was due to us being approved the loan modification program, which would lower our payments. During the conversation, I was informed that we did need to make a payment until our XXXX payment was due, on XX/XX/XXXX. When XXXX rolled around we noticed that our XXXX payment we into a past due status and I contact the company again to resolve this. At that time I was informed that the call would have to be reviewed, and the agent did see the notes clearly on our account that stated we were informed no payment was due until XXXX. He even mentioned it would take about a week to review and to call back. A week later I called back and was informed it was still being review, and to call back. I gave it a few more weeks and called back the end of XXXX to make our XXXX payment over the phone, and scheduled it for XX/XX/XXXX. At that time, the agent after asking about the status mentioned that it was still being reviewed, and proceeded to inform me that it would be updated on our credit that XXXX is working with us. That is incorrect, because I pulled my credit report this month as a result of the Breech, and we are still showing 30 and 60 days past due, for XXXX and XXXX. 

We in good faith, did exactly what we had been advised by the rep in XXXX and made no payments until XXXX. We have even during this period of time left message on the online messaging system to seek a resolution, which all 3 have been closed with no outcome or response from XXXX XXXX. The first inquiry online was on the old system and got purged, on the consumer side, when the new website went live, the other 2 have been closed. One indicating we need to verify who we were, which we did when we signed into the account. The second request on the new system was again an attempt to resolve, and was closed with no comments on outcome.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
this account is not mines it 's belong to some one else please removed it from my credit report XXXX Account Number XXXX Account Type Credit Card Terms Revolving

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: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
We sent American Express our Biling Dispute for XXXX domain name registration services, whom I have had an account with since XXXX. 

The charges on my XXXX XXXX that ends in - XXXX inXX/XX/XXXX are absolutely discpouted and I do understand the domain names would also be cancelled. 

XXXX was really awful when I contacted them, saying that I only had 3 days to have the cancels and refund done. And they falsely claimed that they had pre-notified me about the charges for these ( 3 ) :  XXXX.org XXXX.XXXX XXXX.net and cancel the names and Refund the {$180.00}. 

I am really angry with American Express, because they communicated in our statement datedXX/XX/XXXX that they are investigating, on the above and attached documentation, including proof that XXXX did cancel at least 2 of the above domain names after I asked, but refused to refund our Credit Card with American Express! 

2nd- The worst problem of all- AMERICAN EXPRESS DECIDED TO DECLINE COMMUNICATIONS WITH ME, THEIR CARD HOLDER. INSTEAD, THEY TALKED TO XXXX ONLY AND PLAY THEIR FAVOR AND NOT ONLY DECLINE TO PROVIDE ME WITH DOCUMENT ( NOT EVEN A LETTER ) ON WHY THEY COULD NOT ASSIST IN THE LEGIT REFUND OF {$180.00}. THEY ARE VERY SNEAKY AT AMERICAN EXPRESS! 

THEY ADDED IT INTO THE FOLLOWING MONTHS STATEMENT IN XXXX AND THEY ARE VERY DECEITFUL. 

PLEASE FIND OUT WHY AMERICAN EXPRESS WILL NOT ASSIST WITH THE FRAUD AS DESCRIBED ABOVE AND WHY THEY REFUSE TO HONOR OUR CARDMEMBER AGREEMENT. 

Please see 2 docs attached! 

Thanks! 

- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I received an email from Citibank containing an offer to " Earn up to {$700.00} cash '' for " mak [ ing ] a qualifying deposit in a Citibank Savings Plus Account or Citi Savings Account. '' I enrolled in the offer the same day I received the promotional email from Citi on XX/XX/XXXX. I clicked through the link in the email to enroll in the offer. A few days thereafter, I funded the Savings account, precisely for the purposes of meeting the offer 's conditions. I also maintained the required funds through XX/XX/XXXX, as required under the terms of the offer ( again, specifically for the purposes of meeting the offer 's conditions ). I 've tried to resolve this with Citibank Customer Service a few times now, but they continue to claim that I never enrolled in the offer or satisfied its conditions. I would not have gone through all of these precise steps, if it were not for the offer.

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: 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 2017 that I was likely affected by. 

They have put myself and over a hundred million 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 own ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have submitted XXXX requests to remove all addresses from credit report that are old and not deliverable by postal mail per the fair credit reporting act. They have not removed my information despite the XXXX requests made to XXXX XXXX and XXXX. They also have not removed inaccurate information pertaining to my name. 

I am also requesting an updated copy of my credit reports for my review as proof they have complied.

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 2020-02-26
Company: Experian Information Solutions Inc.
State: FL
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 ; Experian and XXXX  are incorrectly reporting a charge-off in the amount of {$4100.00} on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was in an accident and was deemed a total loss. Consequently, the vehicle was sold at auction and sold for more than the balance owed. In addition, I had GAP insurance at the time so any outstanding balance due was paid. There is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.

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