BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted for lack of evidence : XXXX XXXX, XXXX 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
Consumer complaint received 2017-06-29
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never done business with IQ Data International IN. I do not have a signed contract not any contract with IQ Data International IN, I have the right to demand a copy of any contract between IQ International IN and myself.

Company public response: Company believes it acted appropriately as authorized by contract or 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 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. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
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: Account information incorrect

Complaint:
I filed Disputes with all three credit bureau reporting agencies on XX/XX/2021 ( XXXX  XXXX, XX/XX/2021 ( XXXX  XXXX and XX/XX/2021 XXXX Transunion XXXX against XXXX XXXX XXXX. As of XX/XX/2021, my XXXX  XXXX XXXX student loan was paid in full and therefore closed. On XX/XX/2021, both XXXX  and Transunion closed my Disputes with no change to my account balance and status, because XXXX XXXX XXXX  advised each that I still have a balance when in fact that was ABSOLUTELY false and unsubstantiated by their own records. I dont know why XXXX XXXX XXXX would intentionally provide a fraudulent response, one that has harmed me and caused extreme stress.

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: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One closed my account. The letter I received stated the account is not consistent with their expectations for account usage and violations of the Capital One Customer agreement. I called Capital One and spoke to several managers in the fraud department. No one was able to inform of the violation. Due to the erroneous mishaps internally at Capital One my credit score has dropped significantly. The letter also stated that I will continue to receives statements until the bill is paid in full. I DO NOT OWE ANYTHING I then proceed to XXXX the terms and conditions while on the phone with the XXXX ( XXXX  Manager ). I read the terms and conditions and couldn't find XXXX violation. She proceeds to tell me it could XXXX or many things, but could not inform of what the issue is. This is XXXX.

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:
Filing a complaint based on the recent Equifax data breach. 

1. Learned of Equifax breach yesterday evening ( XX/XX/XXXX ). 
2. Checked today ( XX/XX/XXXX ) on the Equifax site that my SSN has been compromised. 
3. Enrolled in their XXXX program ( with an enrollment date on XX/XX/XXXX ). This is really unacceptable we have to wait this long for service. 
4. Attempted to sign up for credit freeze but they will not waive the {$10.00} fee ( outrageous that they are charging money for a service that is a direct result of their incompetence ). 
5. Filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Experian Information Solutions 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 information incorrect

Complaint:
I filed Disputes with all three credit bureau reporting agencies on XX/XX/2021 ( Experian ), XX/XX/2021 ( XXXX ) and XX/XX/2021 ( XXXX  ) against XXXX XXXX XXXX. As of XX/XX/2021, my XXXX  XXXX XXXX student loan was paid in full and therefore closed. On XX/XX/2021, both Experian and XXXX  closed my Disputes with no change to my account balance and status, because XXXX XXXX XXXX advised each that I still have a balance when in fact that was ABSOLUTELY false and unsubstantiated by their own records. I dont know why XXXX XXXX XXXX would intentionally provide a fraudulent response, one that has harmed me and caused extreme stress.

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: 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:
My information seems to have been potentialy impacted by the recent equifax data breach. I heard of the breach, entered my information, and recived a message saying as much. My spouse was the same. In finding this out, i was required to literally fill out more paperwork on a mobile phone, in order to enroll in a service that by enrolling in it prevents me from seeking legal action from any harm that may or may not happen. If it does, my finances are down the drain. It feels like we are being bent over a barrel for something that is NOT OUR FAULT!!!! I will not be extortioned by a company that has our information, AND CLEARLY HAS NOT HAD ENOUGH SECURITY IN THEIR SYSTEMS!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Experian Information Solutions Inc.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This complaint is about Experian XXXX and their false and misleading television advertising. 

In their television ads, they claim they will gather information on recurring payments made to utilities and entertainment providers. 

One example they site is XXXX. I pay for XXXX every month for years, and Experian XXXX refuses to include XXXX in my XXXX  Report and resulting Credit Score. 

I have contacted Experian XXXX  numerous times in writing over this omission and the fact that they advertise extensively that they WILL ADD XXXX payments to my XXXX  Report and subsequent XXXX  Credit Score. 

This advertising is a LIE, it is FALSE and MISLEADING, and they know it is false and misleading and yet still continue to advertise that they include payments to XXXX in their Experian XXXX  product. 

Nothing has worked to get Experian 's attention and get them to fix whatever the problem might be. I have even submitted copies of my bank statements to them showing the payments to XXXX and still, they do nothing. 

Experian needs to be held accountable by the CFPB and the FTC for their bad behavior and completely unresponsive customer support.

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: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate,  etc. resulting in a data breach in XXXX 2017 that 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: DC
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 allowed ( an ) unknown individual ( s ) access to all of the identifying financial information of almost every adult American, myself included. 

The US needs a new, better way to manage credit. Having three credit bureaus control this information is ridiculous and the problems that will come from this leak will be disastrous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2021 XXXX  XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$6000.00} XXXX  XXXX Balance : {$410.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX  XXXX Balance : {$410.00} XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX : {$730.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00}

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 2019-07-31
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I BORROWED {$200.00}, IN AN FINANCIAL EMERGENCY, FROM XXXX XXXX XXXX OFFICE IN XXXX, TN, ON XX/XX/2019. THEN ON XXXX XXXX ; AT XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, IN XXXX XXXX, TN XXXX ; I WAS TOLD MY PAYOFF IS {$210.00}, SO I PAID {$210.00}. HOWEVER, I HAVE BEEN CHARGED MUCH MORE THAN {$210.00}, ON XXXX XXXX, I PAID OFF THE LOAN IN PERSON AND MY CHECKING ACCOUNT WAS ALSO DOUBLE BILLED /CHARGED ANOTHER {$45.00}, IN XXXX , TN. 
TODAY XX/XX/2019 I WENT INTO THE XXXX   XXXX OFFICE, IN XXXX, TN AND ASKED FOR THE REIMBURSEMENT OF MY OVERBILLED MONIES AND THE CLERK NAMED " XXXX '' REFUSED TO REFUND MY {$45.00} OVER/ DOUBLE BILLED CHARGES! 

XXXX THREATENED TO HAVE ME ARRESTED IF I DID NOT LET THE OFFICE KEEP THE MONIES. MY LOAN OF {$200.00} WAS JUST FOR 40 DAYS, I WAS FORCED TO PAY A TOTAL OF {$260.00}. 
I WAS OVERBILLED/ DOUBLE BILLED {$45.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and requests. I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given XXXX this information. Having understood this is a violation of XXXX XXXX XXXX ( XXXX ) ( XXXX ). Both together and separately my consumer and privacy rights are being violated.

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 2020-11-13
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow tooltip buttonSelect as many as apply XXXX XXXX  XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX/XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX/XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX/XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX Real Estate on behalf of XXXX  XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX  XXXX  XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX  XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please be advised The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA XXXX # XXXX {$780.00}, XXXX XXXX # XXXX {$380.00}, XXXX  # XXXX {$180.00}, XXXX XXXX XXXX # XXXX {$560.00}, XXXX XXXX # XXXX {$510.00}, XXXX XXXX XXXX # XXXX {$150.00}, XXXX XXXX # XXXX {$150.00}, XXXX XXXX # XXXX {$670.00}, XXXX XXXX # XXXX {$280.00}, XXXX XXXX # XXXX {$210.00}, XXXX XXXX # XXXX {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please be advised The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA XXXX # XXXX {$780.00}, XXXX XXXX # XXXX {$380.00}, XXXX # XXXX {$180.00}, XXXX XXXX XXXX  # XXXX {$560.00}, XXXX XXXX # XXXX {$510.00}, XXXX XXXX XXXX # XXXX {$150.00}, XXXX XXXX # XXXX {$150.00}, XXXX XXXX # XXXX {$670.00}, XXXX XXXX # XXXX {$280.00}, XXXX XXXX # XXXX {$210.00}, XXXX XXXX # XXXX {$280.00}

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 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:
My personal information may have been leaked by the Equifax cybersecurity incident on XX/XX/XXXX ( https : //www.equifaxsecurity2017.comXXXX ) which was reported to the public on XX/XX/XXXX. Their website confirms that my information may be have been compromised ( https : //www.equifaxsecurity2017.comXXXX ).

Company response to consumer: Closed with explanation
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:
I am filing a CFPB complaint against Equifax regarding the XXXX XXXX, 2017 loss of consumer data in which I have been identified as a potential victim.

Company response to consumer: Closed with explanation