BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-31
Company: Midwest Recovery Systems
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 have filed a report with the XXXX as well. A few weeks ago, I received a notification from XXXX and XXXX that someone had reported collections on my credit report. Mind you, I have never received any documentation as to this and I don't have any open medical bills or unpaid debt. I looked and found out that it's from Midwest Recovery Systems. Currently, they are claiming I owe for 4 accounts which goes like this ... {$2800.00}, {$290.00}, {$280.00}, and {$97.00} for a total of {$3500.00}. They are claiming that its for a day that I was seen somewhere which is impossible because on that particular day I was moving and driving 3 hours away from where I had lived. I also told them that I have always had medical insurance because I am on welfare so I don't owe them any money and they lied and fraudulently placed those accounts on my credit report. I got a message from the XXXX  and Midwest Recovery Systems yesterday XX/XX/2019, in which they stated, " Midwest Recovery Systems has further reviewed your account. We have sent notification to the credit reporting agencies to delete this account from your credit report. Attached to this response you will find a copy of this deletion notification. '' So, I called XXXX to verify this and to verify that they have received the deletion pdf 's and they told me no, they do not have any such thing. What a surprise!!!! I am going to inform the XXXX that Midwest once again lied and has shown that they are frauds and since they aren't accredited, they should be shut down. I will attach all of the proof that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check at the chase branch when I got there the teller said the system was down and gave me a XXXX number to call which I did the person at the XXXX number said the system was not down and I needed to speak with the branch manager I called the branch manager and nothing no show of my deposit reflectes on my account I want my money and I would like to close this account ASAP and take my banking elsewhere

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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: Reporting company used your report improperly

Complaint:
Through gross negligence, Equifax has allowed extremely sensitive personally identifiable information to fall into the hands of unauthorized agents. Despite knowing the sensitive nature of the data Equifax held, they failed to set up adequate systems and protections in place to secure my personally identifiable information. Due to these actions, I am at a grave financial risk and can fall victim to act of identity theft, a drop in my credit score, and elevated costs for home, car and other loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I keep receiving calls late at night or early on the morning almost XXXX times a week and they keep harassing me for an amount of {$850.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/2022 I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on accounts I have listed below. After which I also filed a complaint with the CFPB ( Consumer Financial Protection Bureau on XX/XX/2022 for improper usage of my credit report. 

According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated that my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are STILL not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : Account Name : XXXX XXXX XXXX CO Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  US BANKRUPTCY COURT Account Number : XXXX Account Name : CXXXX XXXXXXXX US BANKRUPTCY COURT Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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: Reporting company used your report improperly

Complaint:
Today, Friday XXXX XXXX 2017, Equifax announced that they were the subject of a network intrusion, and details on millions of people was compromised by an unknown third party. I have come to find out that I was among those with details compromised, but have not been told the exact personal details that have been released.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Berlin-Wheeler, Inc. (Kansas)
State: VA
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: Billing dispute for services

Complaint:
I recently moved from XXXX, VA to XXXX, VA. I cancelled my XXXX cable service on the date before I moved in late XXXX of 2021 because they do not offer services in XXXX. I delivered their equipment to them in person in XXXX. 

While I was waiting for a final bill from XXXX, I continued to make monthly payments with every intention of paying off the balance. 

XXXX apparently referred my bill to Berlin-Wheeler who very quickly reported my account as delinquent to XXXX. I learned of that today. 

I have disputed this delinquency with XXXX  and expect they will correct it as not being delinquent since I have been making monthly payments toward the total. 

I have also made a payment through my bank 's " bill pay '' feature for the remainder. 

I want to report both XXXX and Berlin-Wheeler for their actions. While I am fairly knowledgable about my protections under the law, I fear that many consumers will be hurt by these tactics. Neither XXXX or Berlin-Wheeler made any effort that I'm aware of to reach me. 

I do not have any record of Berlin-Wheeler attempting to work with me on this and, based on my initial research, they appear to be a predatory debt collection company. 

I want to give some credit to the XXXX XXXX app I use on my XXXX for alerting me to this inaccurate information on my credit report. 

Thank you for your help with this.

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 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information

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 2022-07-12
Company: Experian Information Solutions Inc.
State: VA
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 XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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: 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:
Equifax , Inc. allowed, without my consent, the personal financial information of both me and my spouse to be compromised by hackers. Now they want to offer me the opportunity to monitor my credit if I waive my legal rights to hold them accountable. In addition, I read in the NY Times that corporate executives went on a stock selling spree prior to acknowledging their incompetence and I hope these individuals are prosecuted for this clear illegal activity to the fullest extent of the law. I have been the victim of both credit application and tax fraud in the past and I am sick of wasting my personal time having to deal with the repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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:
My credit report was listed as part of the 143m credit reports that were affected in the Equifax breach reported yesterday. 

The company has admitted to the breach and started that they " deeply regret '' the occurrence. I believe that they knew about this well in advance of the announcement, and their gross negligence in identifying the breach is nothing short of criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I went to buy a new car and was told that only XXXX XXXX  would be used and it more than that has appeared on my credit report as shown below in attachment via Identity Theft 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: 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:
On XX/XX/XXXX, Equifax learned of a data breach that occurred from mid-XX/XX/XXXX to XX/XX/XXXX. The breach affected 143 million consumers, and the information disclosed through the breach includes names, Social Security numbers, birth dates, addresses, drivers license numbers, credit card numbers, and dispute documents. Using the official website for information about the breach, www.equifaxsecurity2017.com, I was told that I may be among the consumers impacted. Obviously, I did not consent to the sharing of this information. I have a shorter credit history, so any negative effects from this breach can severely impact my credit health. Considering the amount of sensitive information in this breach, I believe the one-year credit monitoring provided at the above website is an inadequate solution to prevent identity theft and credit fraud. In addition, the resolution requires me to waive my right to class action, which I believe is unfair, considering Equifax is completely at fault for the data breach of millions of consumers.

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:
My information was stolen as part of the Equifax hack that affected 143 million people, and wo n't provide credit monitoring without me signing an arbitration agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: TX
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 mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, 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. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: American Coradius International LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against American Coradius Interantional LLC for committing identity theft. I have never given American Coradius International LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am fully aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both equally liable for violations under 15 USC 1692e ( 12 ). It seems as though this account has been turned over to innocent purchasers for value, when that is a very false and misleading representation. I have not validated any alleged debt with American Coradius International LLC and my failure to. dispute the validity of this alleged debt shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving American Coradius International LLC any right to collect on this alleged debt. I have never received any documentation requesting validation from American Coradius International LLC before they decided to commit numerous violations under the Fair Debt Collection Practices Act. American Coradius International LLC is using unlawful extortionate means to commit abusive, deceptive, and unfair debt collection practices in order to bring harm to me and my financial reputation for an alleged debt that has not been validated. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activity, of this and any alleged debt until American Coradius International LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and American Coradius International LLC continues its collection efforts, I will file for litigation for actual damages caused and American Coradius International LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Fidelity Properties Inc.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
OpenedXXXX XXXX, 2020 ( XXXX yrs, XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor nameXXXX XXXX XXXX Fidelity Collectons have reported this same {$200.00} radiology bill on my credit report XXXXwo times and it was the same service and paid for by WV Medicaid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: VA
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: Problem with personal statement of dispute

Complaint:
It appears that information on my report is being reported inaccurately. I have XXXX  accounts on my report in good standing and all over a year old. I paid off my car loan with XXXX XXXX XXXX, and it is no longer being reported on my report, yet there are nine paid accounts shown as potentially negative. It appears there is one collection account that I have disputed. I certainly do not understand the credit scoring process as it relates to my credit report. It seems that I am not receiving the correct scoring that should be a much higher score. I have been in good standing for over three years or more, and my score is fair. I don't have a lot of inquiries. I explain to the agency the information that I have can verify something on my report is inaccurate, and they still don't update the information correctly. Yet, they take the word of the creditor. It appears to me that there is a slight bias going on here. I do not like to call the race card, but I am concerned when I look at my report and have never been late, and I prove it, and it still isn't removed. Enough is enough. I am demanding that this matter be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: WI
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 noticed multiple inquiries and an account from XXXX XXXX that do not belong to me. I called each bureau and they all told me to submit a dispute so I did just that. Its been over 40 days and NO RESPONSE YET, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MS
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 2017-09-08
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:
XXXX : XXXX XXXX XXXX, XXXX by XXXX XXXX Attorney XXXX Division of Consumer & Business Education , FTC If you have a credit report, theres a good chance that youre one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nations three major credit reporting agencies. 

Here are the facts, according to Equifax. The breach lasted from XXXX through XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. 

" 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 ... Some XXXX and XXXX residents were also affected. '' XXXX Thread and XXXX Thread " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from XXXX through XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' " The company set up a website, www.equifaxsecurity2017.com, that  consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. ''

Company response to consumer: Closed with explanation