BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
- Contacted credit bureau concerning XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, and XX/XX/22 concerning inaccuracies in my credit reports. 
- Credit bureau responded that the information was accurate and valid, despite providing my personal documentation representative of the verification of my identity. 
- The credit bureaus failure to comply with the FCRAs insurance that exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
The FTC affirms that credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of the information in your credit file. The credit bureau must then re-investigate and change or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service.

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: BTH Management
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted by XXXX XXXX regarding an alleged debt that they are saying I owe. I have no idea about this debt and I am very frustrated that they have put this on my credit report. They have sent me a contract with typed name on it which is not a signature. Anyone could have typed this template contract up. They have still not responded to my letter that has been sent to them asking for a mac address id where this alleged electronic signature was generated from. XXXX XXXX have been very rude when I have been asking about this alleged debt. The contract says XXXX but my credit report says XXXX XXXX XXXX which is two different companies,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: IL
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
Equifax had a data breach and my information was included. This is an unacceptable use of my personal information and is potentially damaging to my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NY
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: Problem with product or service terms changing

Complaint:
My problems are three-fold : 1 ) Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency and did not issue information regarding the attach until MONTHS after the fact. Long enough for their employees to sell company stock at a higher price KNOWING price-per-share would plummet after revealing such a wide reaching leak of information. 2 ) Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers, as well as credit card numbers for millions of people. 3 ) Equifax did not take proper security measures to protect their digital site and by not doing so, allowed hackers to target vulnerability within their network to gain access to personal files and information. 

Absolutely disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Navient Solutions, LLC.
State: FL
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:
My problem pertains to a 90 day late error on my Navient loans. There is no late history, I pay the account on time and am never late. The error does not show a 30, 60 late prior to the 90 day late. I have called Navient and explained the error, and they have promised to remove it because it is an obvious error. However the problem persists and worse yet gets duplicated across all my loans. The same 90 day late annotation. I have been treated very kindly by Navient but the problem has been addressed and found to be an error by various agents but never corrected when they say it will. I am asking for help to see this small matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Experian Information Solutions Inc.
State: TN
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:
Having problems with XXXX removing inaccurate accounts form my consumer report.

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

Complaint:
I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. 

Equifax mishandled my information, which puts me and millions of other people at risk. They did not notify me quickly enough for such a potentially harmful issue. 

I have put a freeze on my credit report but they sat on the information for so long I have no way of knowing if I was impacted yet or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have seriously been working on my credit score for the past 2 years with an exceptional payment record with no late payments or delinquencies getting my score up to XXXX with Expierien, At this point I felt ready to investigate my options for obtaining a mortgage to view properties. I opened an account with XXXX in XX/XX/XXXX and have been on autopay as all my accounts are and to my surprise i was notified by XXXX that i had a potentially negative report on my score, when i investigated it was XXXX XXXX XXXX saying i was 30 days delinquent, I called XXXX and they told me my account was at XXXX balance and i have {$1500.00} available credit! 
I reported to all 3 agencies my dispute and mailed also to them and XXXX. I did have a compromised bank card back in XX/XX/2020 and cancelled it out with the bank who put in place my new card and mailed me the physical card. All my other creditors and autopay payments went thru fine apart from XXXX who did not notify me at anytime that this occurred, so my XXXX is now at 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 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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax discovered in XXXX XXXX that they were subject to a data breach starting in XXXX XXXX but did not report it to consumers until XXXX XXXX. This subjected consumers to a security risk that they have been unable to do anything to mitigate. 

On top of that senior executives in the company have suffered no losses because they have cashed out before the announcement. This represents unfair trading practices. 

Third, they are offering a service in relation to the hack which requires users signing up to waive their ability to participate in a class action lawsuit. This is a move designed to protect the company and not the consumer, the true victim of the data breach. 

These moves demonstrate a reckless and negligent attitude toward managing sensitive data.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WI
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 an individual who is potentially impacted by the Equifax credit bureau leak. This comes as the result of gross negligence and makes me a risk for identity theft for the coming decades. 

Operating a system that was easily defeated, after storing my name, address, DL #, CC # and SSN in  plain text is not only foolish, but dangerous and willfully negligent. In addition to this, the time delay of notification, as well as the corrupt affect checker is in serious breach of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: PA
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 take sufficient measures to protect my, and 150 million others, personal information resulting in electronic distribution to unknown entities and compromising my credit security for the entire foreseeable future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
RAYMOUR AND FLANIGAN charged off an account that was never late on payments and sold it to a debt collector. violating 15 USC 1681 s-2, 18 USC 894 , 18 U.S.C 1028A , Gramm-Leach-Bliley Act

Company response to consumer: Closed with explanation
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: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I 've called XXXX XXXX company to complain that the account has never been late past 30 days. They 've looked into their system and confirmed, yet the mark is showing 30 days late as of XXXX XXXX. Please investigate and have them update all there credit report agencies. the amount past due at the time was {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: FL
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 recently reviewed my consumer report and there was several inaccurate information listed as personal information that does not belong to me such as spelling of names and unrecognizable addresses. I sent a communication on XX/XX/22 to Equifax with written instructions Pursuant to 15 U. S. Code 1681a ( d ) ( 1 ) to have it removed. The names are XXXX. XXXX XXXX. XXXX. The addresses are XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The Phone numbers are XXXX. XXXX XXXX. XXXX. This inaccurate information is still on my consumer report after allowing 30 days to have this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2021 These inquires listed above were not authorized by me.

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 2021-02-22
Company: EQUIFAX, INC.
State: FL
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:
Please update your information as this account was found to be fraudulent. So it was removed by XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: MARINER FINANCE, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was out of work on worker 's compensation so I began to fall behind in payments in XXXX of this year. I kept open communication until I was able to make a payment, but I was still struggling with the payment. I had the same issue with other creditors, but they were more lenient than XXXX XXXX. Once I was able to make a payment I was told that I needed to sign a form to stop legal proceedings on my account. I signed the form and made the payment, but I was still struggling to catch up on my financial debts. I continued to keep open communication and explained that I started a new job which changed my pay frequency so it was even harder to get caught up on my finances. I then received a letter dated XX/XX/XXXX, stating that a judgment was granted in the favor of the plaintiff. I thought this was in error because I never received a court date. I continued communication with XXXX XXXX. Then onXX/XX/XXXX, I received a letter statin that my wages would be garnished and I contacted XXXX XXXX. I was told that I signed a consent form so they did n't have to take me to court. The consent form did not state that there would be no court date if I defaulted in payments. I then received my paystub and my wages had been garnished for {$530.00}. Because of this my car insurance was cancelled and I am really struggling more to satisfy my financial obligations.

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: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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: 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:
A child support agency in North Carolina sent information to Credit Bureau ( Experian ) for child support arrears in ( XXXX XXXX XXXX and only after i applied for a modification of my orfer. Before this i was never reported to thus or any other credit bureau ... and these arrears are from the year XXXX. 
Before XXXX and before i applied for modification ( nothing was ever reported ) this is retaliation due to friction that we had while in court. 
My EQUAL Protection Rights were violated as well. Due to the fact i never was notified that i was or could be reported to credit bureau or any such notice. I havent missed a payment in years. ( they Garnish my SSDI ) check and hv sone so for years..at least. For the last 6 years now. 

I contacted the child supporr agency and spoke with Supervisors as well as The Deputy director ( XXXX XXXX XXXX ) phone # XXXX XXXX who looked into the case..my case and agreed that i should not been reported to Credit Bureau XXXX The court order never stipulated this and ( again ) i was never given notice of any impending sanctions. 

XXXX XXXX instructed her subordinate XXXX XXXX XXXX to recode my case file as to not be reported to the Bureau from here on out. XXXX XXXX notified me at the beginning of ( XXXX ) That it had been recoded and wouldnt be reported any longer. Her # is : XXXX XXXX XXXX XXXX. I have disputed this With Experian in XXXX and XXXX. To know avail. I on the second dispute even updated them on the recent discovery and that i had spoke to the Child Support deputy Director, who ordered my case to be recoded to not ..or no longer be reported. I even Provided Experian with her name and Phone no. As Well as they were calling the wrong agency Prior to this. They never called XXXX XXXX. And still continue to Report my Child Support Arears. Wwll nit actually reporting any new or up to date info. BECAUSE the Child Support Agency is no longer reporting my case. So now it looks as if im NOT paying my Child Suoport at all because no updates will ne reported by Child Support Agency. And Experian refuses to take past info reported off of my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
Bank of America charged off an account that was never late on payments and sold it to a debt collector. violating 15 USC 1681 s-2, 18 USC 894 , 18 U.S.C 1028A , Gramm-Leach-Bliley Act

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
most recently, i have sent dispute letters over 50 days to all three bureaus. I have not recieved any indication their was an investigation performed. under the FCRA laws consumer agencies may not report outdated negative information and that I can seek damages if consumer reporting agencies violate the fcra you may be able to sue or federal court. After mulitple attempts to resolve the bureaus violating laws 15 usc 1681 eb which deals with being 100 % responisble for reporting 100 % accurate information on my credit profile I still find myself stuck in same situation which is exhuasting me. I have demanded they remove the late payments on loans with XXXX XXXXXXXX XXXX  and XXXX XXXX, they both have mulitple different open dates which is a violation because how can i open a brand new account on multiple days? according to 15 usc 1666 b, as explained before in last few attempts to dispute, I am tracking the days of when i am to recieve my billing statement before my due date, they are not coming in from mail before 21 days they are coming in between 5-10 days. Because these bureaus have violated 15 usc 1681 eb and also 15 usc 1681s2 and not holding the furnishers reponsible for reporting correct information the late payments and collections need to be removed from my credit report because i always pay my bills on time, theyre not sending them in the fcra guideline. late payments to include XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX 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 non-monetary relief