BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I filed a dispute on XX/XX/2020 due to inaccurate information being reported on my credit profiles. The profiles have numerous inaccuracies that need to be resolved immediately. I have sent multiple letters to try and resolve this matter and have yet to have them acknowledged. I would like for actions to be taken as it has been well over 30 days since my initial dispute. These companies have not been complaint with the Fair Credit Reporting Act, and must be held accountable for there actions.

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 2022-07-13
Company: Park Hill Holdings
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX on my XXXX XXXX, XXXX, XXXX are not accurate. my address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. I never lived at another address in the past 10 years. my name is : XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX XXXX I XXXX ALSO KNOWN AS : XXXX, XXXX, XXXX DATE OF BIRTH : XXXX XXXX XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX / XX/XX/XXXX / PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX EMPLOYER : MILITARY XX/XX/XXXX RETIRED XX/XX/XXXX XXXX XXXX XXXX XXXX NY XX/XX/XXXX RETIRED XX/XX/XXXX MILITARY XX/XX/XXXX RETIRED XX/XX/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 2022-07-13
Company: CORELOGIC INC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX on my XXXX XXXX, XXXX, XXXX are not accurate. my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never lived at another address in the past 10 years. my name is : XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX XXXX I XXXX ALSO KNOWN AS : XXXX, XXXX, XXXX DATE OF BIRTH : XXXX XXXX XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX / XX/XX/XXXX / PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX XX/XX/XXXX EMPLOYER : MILITARY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NY XX/XX/XXXX RETIRED XX/XX/XXXX MILITARY XX/XX/XXXX XXXX XX/XX/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 2021-08-27
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit Management collection agency was calling me frequently. I told them I was affected by covid and was in a bind due to losing my job. The company continued to harass me. Now Ive called them XX/XX/XXXX and XXXX trying to settle the debt at a lower percentage due to me trying to borrow the funds from someone else. I explained to them my current unique situation but the company really didnt care. Midland credit management stated that their company is only able to give out a 40 % discount off of the debt but sent a document stating otherwise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22
Company: EQUIFAX, INC.
State: WA
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: Other problem getting your report or credit score

Complaint:
Equifax uses " financial service '' questions to allow access to your credit report, freeze your report, etc. I don't recognize the answers to the " financial service '' questions and want to talk to an agent who can explain where they get their data. Their " Consumer Care Line '' is a joke. I pushed telephone buttons for ten minutes and was finally told by a robot that I couldn't talk to an agent.

As to past communications with Equifax, they mailed me a verification code to my home address. I entered the code and was sent the '' Welcome to My Equifax '' email of XX/XX/2020 ( attached ). 

When I was still unable to access my account, I tried their " Consumer Care Line '' and was unable to speak to an agent. I then sent them two emails on XX/XX/2020 and XX/XX/2020 ( attached ). They have not responded to either email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an 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 explanation
Consumer complaint received 2021-08-27
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report and they havent responded in over 30 days

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: 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:
I am filing this complaint in regards to the Equifax data breach on XXXX XXXX 2017. After checking their website I discovered that I am one of the individuals affected by the data breach. Any company that holds that much information about citizens should be held to the highest level of accountability when an incident like this occurs.

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:
Equifax 's inadequate security of MY DATA has lead myself to be at significant financial and personal risk. They have been hacked and my address, name, SSN, credit card numbers have been exposed to the dark web, and they did n't notify us until a MONTH LATER! The executives sell off stock before announcing it to keep their own money, while we are the ones put in serious turmoil. Absolutely horrific failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NV
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:
Our identities and accounts were stolen because of improper security with Equifax. In XX/XX/XXXX they knew of the issue and did not report it until 2 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2020-09-25
Company: Green & Sons Agency, 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:
Outsource Receivables is reporting an account on my credit file on a debt I no longer owe. I recently checked my credit and noticed this debt on my credit file, I called immediately and settled the debt with them. I never received any phone calls or any collection letters or notices about this debt and I'm pretty sure this violates my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
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:
I recently obtained a copy of my credit report, which containsaccounts I can't remember ever having! I have no idea what these accounts are and request they be removed. I am a viticm of identity theft and ask for these accounts be removed immediately. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports your publish. 
Also i have enclosed copies to the FTC.

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 2022-02-12
Company: Santander Consumer USA Holdings Inc.
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Recently received a credit report from XXXX which reflected a Santander XXXX account opened in XX/XX/2013. I have disputed this account in the past to no avail. It is my belief that the creditor is now taking steps further to intentionally report false information about me in order to keep this zombie debt on my credit file. The delinquency dates and repossession dates are being fraudulently changed by the creditor!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX XXXX is showing on my credit file 6 times with the same account info, I disputed it as duplicate but for some reason it came back as verified.

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: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I had an AmEx Gift card for {$100.00}. I did not make any purchases using this gift card but when i tried to use it there was no balance in the card. I checked online on the AmEx site and it shows 4 transactions made in XXXX XXXX. I have never been to XXXX XXXX so seems like there were fraudulent purchases and I lost al the {$100.00} gift card balance. So far AmEx has been very unhelpful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-17
Company: JPMORGAN CHASE & CO.
State: SC
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:
My wallet was stolen. With my social security card credit cards banks cards. Id etc they tryed to open banks phones credit cards. Loans. And they used my atm card and got my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: OK
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 previously mailed the attached letter below on XX/XX/15 and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an 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 2020-10-07
Company: Experian Information Solutions Inc.
State: AZ
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 have a problem with my credit report, and I submit a complaint with the credit bureaus such as XXXX, XXXX  and Experian, but they did nothing. The inaccuracies are still in my credit report and my credit score is getting lower.

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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an 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 2022-07-13
Company: TRANSWORLD SYSTEMS INC
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This was a private loan that originated from My XXXX XXXX. I filed for bankruptcy in XXXX and this was included since it was a private transaction/loan paid directly to me. I advised the lender of my bankruptcy discharge, they then filed for bankruptcy, sold the account to Youconomics. Youconomics then sold the account to UAS XXXX. I have called and emailed them about the discharge Gave them a copy and requested my payments for XXXX and XXXX returned. They advised it would take 3 weeks but it has been over a month with no new information and they continue to report the account to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: U.S. BANCORP
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:
I, XXXX XXXX XXXX, want to make the following statement under oath : My last name is 2 words, XXXX XXXX. 
Since late XXXX someone has been using my name to obtain credit while I was stationed with the United States XXXX in XXXX XXXX. 
I was deployed a total of 3 years and 4 months in XXXX and XXXX. These tours were back to back without a break in between. I was seriously injured and spent the better part of my remaining time of enlistment under medical care. During this time I did not actively monitor my credit reports. 
Due to an extended hospital care for combat injuries I have temporally misplaced these military police reports. In wartime the military does not keep records of police reports for easy retrieval thus the need to secure a current identity theft police. 
Every time I provide past police reports, affidavits and correspondences the bad accounts return to my credit reports after a few years under a different name/account number and I have to once again file the same disputes on my credit report. To date I have spent thousands of dollars in legal fees. 
Recently, in XXXX and XXXX there were 16 hard inquiries on my credit reports for a credit card with banks as well as for a fuel card. Twelve credit cards or accounts have been issued since XX/XX/XXXX. I have zero control over these inquires and credit accounts. 
I have flagged and froze credit granting from the three credit reporting agencies. Additionally, there is a fictitious power of attorney that is being actively used under my name as well as a California ID. The stolen identification problem continues to remain an ongoing issue for me. I have also filed a Identity theft report to the Federal Trade Commission. I have attached that report. It is report number XXXX. 
Today, I once again filed a police report with the XXXX Police Department in XXXX, Texas. That report, which I have included is report number XXXX. 
I have not authorized anyone to use my name or personal information to obtain money, credit, loans, goods or services or for any other purpose. Do not grant credit to anyone under any likeness of my name. 

I hereby declare that the above statement is true to the best of my knowledge and belief, and that I understand it is made for use as evidence in court and is subject to penalty for perjury.

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: IN
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 failed to protect consumer information in the event of a massive-scale data breach. It has been indicated by their website, equifaxsecurity2017.com, that my information was included. Equifax 's failure has put millions of consumers at risk. 

Furthermore, Equifax has offered a free trial of their credit monitoring service which REQUIRES CONSUMERS TO WAIVE LEGAL RIGHTS against the company in relation to the breach. This is an utterly sickening and anti-consumer thing to do. Equifax needs to take responsibility for their malpractice, not try and XXXX customers out of their rights to fight back.

Company response to consumer: Closed with explanation