BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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:
Equifax mishandled my personal information including Name, Social Security #, Address, Date of Birth, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site XXXX. 
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6600.00} XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01
Company: FREEDOM FINANCIAL NETWORK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been on XXXX since XXXX XXXX. I had used my 401k to supplement my XXXX income to continue to pay 5 obligations. I ran out of 401k money in XX/XX/XXXX and am still on temp XXXXy. I was solicited by Freedom Debt Relief ( FDR ) to consolidate my obligations I have been unable to pay. I contacted their 800 # and the program was explained by XXXX XXXX, Senior Financial Consultant. He sent me the documents to sign to set up the program and explained that my credit would most likely have late payments on it. I explained to him that I know I owe the money and intended to pay if I was awarded social security XXXX. He assured me that they would be able to negotiate settlement amounts, and I reiterated how important it was to minimally affect my credit. They determined an amount to collect from me of {$760.00} per month to pay the obligations they would be negotiating settlements on. Although this amount is high it was much less than the monthly payments I have been making. I did not think I had a choice. They have withdrawn 6 monthly payments from my account for a total of {$4500.00}. Since XXXX only one account ( XXXX  ) settled in XX/XX/XXXX. XXXX has filed legal papers to sue me for the amount I owe. In order to respond to the summons I had to engage the legal company FDR has a relationship with XXXX XXXX XXXX XXXX ( XXXX ). To respond to this summons it is a cost of {$220.00}. I requested that money from the bank holding the deposits from FDR. According to FDR because I took this money out they could not pay {$200.00} to the XXXX account therefore it is delinquent now. The issue I have is that FDR withdrew their fee the minute XXXX  responded to a settlement and drained the account that had my deposits. I have been in contract for their services for 6 months and all I withdrew was {$220.00}. I believe that FDR is capitalizing on the fact that they are controlling my deposits and paying themselves when only one account has been settled. Yet that account XXXX is now delinquent to the settlement that FDR blames on my withdrawal. The bank account ( XXXX XXXX ) currently shows {$930.00} when they have withdrawn from me {$4500.00}. This company has taken advantage of my hardship and paid themselves with very little performance on the negotiating. They claim they have to wait to see what the court will say about the XXXX account, a court case I had no idea would come up from the structure of this program. I do believe that this company has misrepresented how efficient their operation was supposed to be. They should not withdraw their fee until each of the 5 obligations I had were settled. Only then do I believe they have earned their part. Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-13
Company: CITIBANK, N.A.
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:
I sent a letter on XX/XX/XXXX to remove fraudulent account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint XXXX & I am including it again. 

CITI XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: PA
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 am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$400.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NH
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 one of the 143 million people impacted by Equifax 's latest breach back on X/2017. Thus having to spend XXXX dollars of my own money to freeze my credit. These reporting companies need to be held accountable for the massive amount of data that is stored, as the end user has very little recourse about the data that is stored on them, that can greatly impact their lives if the data falls into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of these accounts listed below. I believe it was reporting in error. 
XXXX XXXX Balance : {$34000.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

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 2018-04-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Equifax has Promotional Inquiries after I file a Notice of Election to opt out of any and all Promotional Inquires. I filed and requested back in XX/XX/2017 and I still see on that Equifax is still showing Promotional Inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MN
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 information services has grossly mishandled my personal identification information, which puts me and hundreds of thousands of other people at risk of identity theft. 

I demand that they rectify this by making credit freezing free of charge and refunding anyone who has already paid for such services. The " equifaxsecurity2017.com '' website indicates that I have been affected and it is unacceptable to require that I file a police report when they already know that I ( and many, many others ) are impacted. The fact that this is a paid service is actually a perverse incentive for them to " accidentally '' release some information and then charge consumers for their protection. That sounds vaguely like a tactic employed by the mob for some time. 

The fact that they did not notify anyone quickly enough, and themselves admit that they will not notify everyone is a gross dereliction of duty.

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

Complaint:
Equifax has officially leaked my personal information to hackers and did not take the proper steps to ensure my personal and financial information was secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
someone charged my credit card twice at XXXX XXXX using phone number and email address that arent mine. Both orders were placed online but I have not gone into XXXX XXXX in more than 3 years or so. 

Supposedly, one of the item was delivered next day to my address ( which I did not receive ) and the other item was picked up in XXXX, which I also have not gone into. Also, while the delivery address may look like my house, theyre missing the apartment number! ( Which fraud people wouldnt know about ) Its driving me crazy since they are saying I purchased these items and charged my card over {$700.00} dollars and THEY ARE NOT MY PURCHASES! 

I have been with Bank of America for 26 years. Why would I lie?

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 2022-02-11
Company: Experian Information Solutions 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 without 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 XXXX has me at a score around XXXX. 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 XXXX 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

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 2017-10-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax, XXXX and XXXX claims that an account from XXXX XXXX XXXX has been documented and prove valid. Yet, I 'm still waiting for documentation from the creditor since XXXX 2017. 10  Months later. My credit has a mark on it because of this. How can a company deem something valid but yet the consumer is still waiting on the documentation. Please help me resolve this with the 3 credit reporting agencies on getting the removed as it has not been validated to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  BALANCE : {$540.00} STATUS : DEROGATORY ACCOUNT # CAPIT-XXXX XXXX XXXX ( Original Creditor : 08 CAPITAL ONE BANK USA N A ) BALANCE : {$540.00} STATUS : DEROGATORY ACCOUNT # XXXX To Whom It May Concern, I am writing to you in reference to the following : Account Name : XXXX/XXXX  Account Number : XXXX XXXX Reason : Miscellaneous Account Name : XXXX XXXX Account XXXX : XXXX Reason : Miscellaneous Account Name : XXXX  XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX/XXXX  Account Number : XXXX Reason : Incorrect late payment Account Name : XXXX  XXXX  ( Original Creditor : 08 CAPITAL ONE BANK USA N A ) Account Number : XXXX Reason : Unverified account I have disputed this account information as inaccurate with you, and you have failed to respond. 
Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt. 
I have enclosed copies of my requests to the collection agency, asking them to validate my debts. 
This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I look forward to an uneventful resolution of this matter. 
Sincerely, XXXX XXXX

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:
I am a victim of the Equifax hack of 2017 where mishandling of my sensitive information and lack of proper security have led to my information being leaked to the public.

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: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
As of XXXX XXXX, 2017, the public was notified by Equifax of a massive data breach of over 143 Million records, including SSN, credit history, and many other sensitive matters. Equifax has provided a toll-free number for assistance ( that either does n't answer, puts you on perpetual hold, or connects you to a person who can not tell you if you are affected, or not. Equifax also has provided a website to allow a person to ( 1 ) identify if they are part of the data breach and ( 2 ) optionally enroll in a free 1-year subscription to XXXX to track credit activity. Following the information request process on the website does NOT tell me whether I was affected or not -- it just skips that point entirely. And the enrollment is delayed until X/XX/2017. News services describing this event have also complained of a hidden feature of this service that may prohibit class action lawsuit and force subscriber into arbitration instead ( I would have to mail in a letter within first 30 days of sign-up, to void the mandatory arbitration clause ). This is a horrible response to their problem that was detected over 3 months ago, but made public only yesterday.

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:
Equifax security has been breached, resulting in compromised personal details ( including social security numbers and other financial information ) of millions of people, including my own. The company must be held accountable for the sharing of private information of millions of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Grain Technology, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
My Grain account was opened XXXX of XXXX. I was approved for a credit Limit of {$750.00} My credit account has been restricted and withdrawals from the credit line has been disabled. This company has withdrawn {$60.00} from my bank account. I have never had access to the credit limit. I sent several emails, requests, complaints advising them that I could make withdrawals. Nothing has been done. 

( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation