BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I received a text from US Bank Security notifiying me of 4 transactions and asked if I recognized them. I said no. They then said that the bank would call me shortly. During my phone call they asked me if I had been in another state the night before. I said no. They then said that inorder to protect me I had to send my remaining balance to XXXX and then it will be automaticaly refunded within 24 hours. I sent {$1200.00} to Dispute One on XXXX. I realized the following day after calling the US Bank Security team that it was a scam. I immediately headed to the bank and filed a fraud complaint. The bank manager assured me that my money was insured and would be returned. On XX/XX/XXXX I received a letter from the bank that said they will not refund my money. It turns out that the hackers had gotten a hold of an old debit card that had never been removed from my account from the prvious year. I feel like the bank was responsible for not removing that card from my account.

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 2022-06-17
Company: Firstsource Business Process Services, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a call from ( XXXX ) XXXX. The lady said her name was XXXX calling from First Source Advantage LLC. She never asked for me by name. Also the number ( XXXX ) she asked to be called back on was different than the caller ID number. I then looked up the number and read all these complaints about it being a scam. Ive never received any mail from this so called company. I would like my number removed and if need be I would like to be ceased and dismissed. 

Thank you, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, 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 have completed IRS Form XXXX ( Application for Withdrawal of Paid Federal Tax Lien ). It is a new initiative ( XXXX XXXX Program ) for people who credit score suffers from a paid Tax Lien. The IRS sends a withdrawal form to the persons County Assessor to have the Tax Lien removed.
I have sent Equifax proof of Release of Federal Tax Lien, through email. Ive also did an online dispute to have the tax lien removed from my credit report in XXXX of 2017. However, the derogatory remains on my credit report under Public Records.
Fortunately the other two credit bureaus ( XXXX & XXXX ) have removed the tax lien, according to the IRSs new XXXX XXXX Program.
I have proof that the lien has been paid, released, and withdrawn from my County Assessors Office. Therefore, Equifax, should honor the release and remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19
Company: Bread Financial Holdings, Inc.
State: MD
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:
Comenity Capital/BJsWholesale pulled my XXXX  credit report, which I absolutely DID NOT authorize them to do so. I've written to them and called them, but to no avail. Also, XXXX  has refused to do a legitimate investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, 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:
" Equifax, one of the three major consumer credit reporting agencies, said on Thursday [ XXXX XXXX, 2017 ] that hackers had gained access to company data that potentially compromised sensitive information for 143 million American consumers, including Social Security numbers and drivers license numbers. '' - The XXXX XXXX XXXX ( source : XXXX XXXX XXXX XXXX  ) Equifax had a significant data breach and when they offered their service of free credit/ID protection/monitoring for a year, they had an arbitration clause in relation to TrustedID Premier in which, to access this " free '' service, we have to sign away our rights for any potential future legal proceedings with Equifax that may arise ( source : XXXX XXXX XXXX XXXX XXXX ) To add further instult to injury, the dedicated data breach checker set up by Equifax at https : //www.equifaxsecurity2017.com is largely useless and seems to be giving a pre-determined response. It appears that they do n't really know who has been impacted ( source : XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: EQUIFAX, INC.
State: NY
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:
Equifax has failed to act after they have received information form me and they basically forced me into starting a subscription so that I could get my credit report updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 several accounts on my credit report that does not belong to me. 
XXXX XXXX XXXX,XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX / XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXl XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX I noticed unauthorized inquiries on my credit report. Someone else applied using my name. According to the FCRA ( Fair Credit Report Act ) these unverified and unauthorized inquiries must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX Trans UnionXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX XX/XX/XXXXXXXXXX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-17
Company: EQUIFAX, INC.
State: OH
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 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 a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed with the bureau about a bankruptcy in file. They informed me that XXXX have them the information. XXXX in formed me that they did not share any of my information with and credit reporting agency.

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 2017-09-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
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 2022-01-05
Company: Experian Information Solutions Inc.
State: MA
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 XXXX I spent over 50 minutes on the phone with XXXX XXXX at the Experian consumer affairs office, ( XXXX ) about disputing the XXXX XXXX hard inquiry done on XXXX. XXXX XXXX DID NOT HAVE MY AUTHORIZATION DO PULL A HARD INQUIRY ON MY CREDIT. XXXX XXXX spent 50 plus minutes telling me that there was no way to dispute the inquiry, and that there was nothing that he or Experian could do, unless it was specifically identity theft related. As a result nothing was done. It was stated that a dispute could not be opened regarding this. I am requesting if the company needs any additional information, they should contact XXXX XXXX in their consumer affairs office at the phone number listed in the above paragraph. I spent almost an hour on the phone with him and he has any information that they could possibly need from me regarding this complaint. Further complaints to Experian only result in copy and paste responses that do not help whatsoever. This company has been veery rude, disrespectful and unprofessional with regard to my complaint and could care less.

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 2022-06-17
Company: EQUIFAX, INC.
State: OH
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 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 a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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: Was not notified of investigation status or results

Complaint:
" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following accounts from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
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 by having a vulnerable public-facing website that allowed hackers to access and distribute my personal and financial information. Equifax did not directly notify me of the breach, instead I found out through the news. Now, because of their mistake, the burden is on me to additionally protect and monitor my credit for the foreseeable future. They are doing the bare minimum to assist their customers in the aftermath of this breech, offering only a year of free monitoring service that will be auto-renewed after a year, potentially costing me money if I forget to cancel it. If I choose to freeze me credit, that cost would be mine to bear. 
NOT TO MENTION the insider trading that took place when several of their executives sold their stock in the company before the breach was made public. Totally unacceptable and morally reprehensible!! 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I, and all of their other customers, are compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
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 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 back in XXXX. 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 2017-09-10
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 adequately protect my personal information. According to their website equifaxsecurity2017.com, I am listed as a potential victim of the Equifax information breach. I am not a customer of Equifax, but have had credit checks run on me through Equifax. In addition to failing to protect my information, Equifax failed to promptly inform me of the breach. Secondly, I should have been contacted by Equifax to inform me of the breach. Equifax should not assume that everyone follows the news. Finally, Equifax is now charging me to freeze or monitor my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
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:
On XXXX XXXX, 2017, I learned that Equifax experienced a security breach resulting in the exposure of the personal and financial information of 143 million Americans. In addition, the free one year credit monitoring that they offer as a result contains an arbitration agreement disqualifying any victims that use the product from participating in class action lawsuits. Lastly, when I place a credit freeze on my Equifax credit report, the security pin that I receive is simply a time stamp of when I signed up, making it easy for my pin to be hacked. All of the above is unacceptable, especially given that Equifax uses our personal information without consent and without an option to opt out, and then uses our personal information as its product, on which it makes a profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: OH
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 actXXXX 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 a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: OH
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  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 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 non-monetary relief
Consumer complaint received 2017-09-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have been disputed this account information two many times and the wrong information never get fix it, this account have been discharged after bankruptcy chapter XXXX case # XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX  XXXX ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following accounts from my credit report immediately.

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 2022-06-17
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company is called LVNV Funding LLC who claims to also be another company. They are sharing personal and privacy information with another third company without and authorization. Third company is supposedly called XXXX XXXX? XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX spoke with XXXX who caims hes not violating any laws. My personal information is just that and not permitted or authorized to be shared with anyone. XXXX agreed to accept a settlement amount verbally on a supposedly recorded line then reneged of {$250.00} in two equal installments beginning in XX/XX/2022 and commencing in XX/XX/2022 and then insisted on having me give a stranger critical payment information without knowing if he's legitimate. Payments need to be able to be made on a secure website and not to a person who is a stranger. I want the information to stop be shared and compensation for the breach of my privacy from LVNV Funding. Additionally the agreement for settlement can not be agreed upon and then reneged by XXXX after he decides to not provide a secure type of method for payment of the originally agreed upon settlement. My address is XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: MA
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 did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation