BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-10
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: Personal information incorrect

Complaint:
on XX/XX/2022 ive disputed these accounts with transunion, XXXX, and XXXX  i received no response or results on any investigation that i requested. i requested for them to validate 2 collection accounts on my report which they failed to do in the 30 day investigation period.i also requested that they update my personal information and remove all inaccuracies from my report. they have failed to investigate and comply with my instruction to remove all inaccuracies .transunion instead tried to send me a stall letter accusing me of using a third party to contact them which has nothing to do with the investigation i requested for these accounts .i dont appreciate them ignoring my request and violating my consumer rights by failing to respond in the 30 day investigation period.transunion especially, continue to violate my consumer rights by trying to stall to buy them more time to discourage me from my rght to disputing these accounts that are a defamation to my character .according to the federal credit law spelled out in the FCRA, a credit bureau is required to respond to you and complete their investigation within 30 days.if they do not respond within this time frame, they must remove the negative and inaccurate listings disputed.it as been 47 days since ive disputed and ask for an investigation, which is a blatant violation of my consumer rights.i would like these inaccuracies to be removed from my credit 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 2017-09-09
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 mishandled my personal information including name, social security number, address, birth date, 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 2017-09-09
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:
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
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 am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Upgrade, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I called Upgrade to remove the automatic draft from my personal checking account for the loan/credit card that I have with them. I told them that they were not authorized to transact ACH payments from my XXXX XXXX XXXX XXXX account. I called the customer service line and spoke with a representative who stated that he would remove the automatic draft from my account. I spoke with the individual on XX/XX/XXXX. On XX/XX/XXXX, an ACH draft was taken out of my account in the amount of XXXX. I called the customer service line and spoke with a representative asking them to refund the amount, as I had not authorized them to draft any further payments from that account when I called in on XX/XX/XXXX. I explained that I was closing my checking account to open an account with another institution, and that I needed to have the funds replaced. The representative admitted that it was their fault that the XXXX was drafted out of the account, as I had called in enough time that the draft should not have gone through. The representative stated that he would issue a refund to my XXXX XXXX XXXX XXXX Account. I have not received a credit as of today, XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-09
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 mishandled my information in XXXX - XXXX 2017 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 2017-09-09
Company: EQUIFAX, INC.
State: LA
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:
Regarding the recent Equifax data breach reported on XXXX XXXX, 2017, I am joining others in complaining about the lack of care this company took with our valuable personal information. We should not have to enroll in a service that they will charge us for once the so-called free trial period expires and we forget to opt out. Furthermore, the company 's former executives clearly violated SEC rules and made a bunch of money before making this known to the public. They should be fined and the proceeds go to provide credit monitoring for those of us affected by the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX, XXXX XXXX  a fraudster gained access to my USAA account and wired in {$5000.00}. Then they transferred money from my savings account to my checking account, and wired out {$6100.00}. I called the next day to dispute the unauthorized wire and assumed they would handle the problem. USAA attempted to recall the wire on XX/XX/XXXX. Even after securing my account with USAA with their security team, I had another {$5000.00} transfer from my checking account, on XX/XX/XXXX which left my account overdrawn ( - {$5000.00} ). They told me they would look into the issue but it may take up to ten days. Ten days later, and my dispute was closed though nothing was resolved or communicated to me. I had to issue a new dispute and a new wire recall to start the process again. I am now receiving official USAA letters to collect the money from my overdrawn checking account. It has been a month and they have not resolved the issue nor have they been helpful in communicating why my account was able to be overdrawn by {$5000.00}. Or why I am liable for an unauthorized wire and transfer? 

In short, someone stole my money and now USAA is asking me to resolve the insufficient funds, which I do not have since all my money was wired out.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Resurgent Capital Services L.P.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have a right to better myself and my only son also. I have been disputing this same company for years! They call themselfs LVNV FUNDING LLC. 

I have submitted Disputes with XXXX, XXXX, and XXXX credit reporting AGENCYS. They keep popping back up after a couple months. I don't know these people. In my disputes all I want is account numbers and dates! 

Now LVNV FUNDING LLC THREATENED ME IN MY EMAIL ACCOUNT! She told me to hit unsubscribe but that is not going to stop here from getting a full amount due back in 2015. I can't afford an attorney on my Social Security checks! She was ranting on about suing me in courts. I have snap shots of these threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$18000.00} XXXX  XXXX {$580.00} XXXX AR XXXX {$760.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Spring Oaks Capital, LLC
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:
I disputed this Spring Oaks Capital LLC collections with XXXX XXXX XXXX and informed XXXX XXXX XXXX that the account was opened with Spring Oaks Capital LLC fraudulently. Also reported that this collection account was showing as a open account on my credit report and shows a past due amount. XXXX did not remove the inaccurate item instead stated in the comments dispute resolved, customer disagrees. See attached files below to show this item showing on my XXXX credit report. I never opened any credit account of any sort with Spring Oaks Capital LLC and account should be removed from my XXXX Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: Ceannate
State: GA
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:
Back in XXXX, XXXX, I became a victim of identity theft, My information was used to enroll in a XXXX college, XXXX University. My personal information was used without my consent. I did n't give anyone the autorization to use my social security number an birthday to take out money for student loans.. The person, that use my social security number and birthday, used a boguish name also. Also, at the partically time the loans was taking out, i didnt have a XXXX XXXX XXXX nor a XXXX. I want want this problem to be disputed an to be dissolved, because, it is affecting my credit score. I am being harrassed by collection agency and my wages has been threaten to be garnish. I cant even attend school to better my life because of the student loans being in default. I have tried to work this matter out with the Dept of education, i have sent in all the documents they asked me to. the denied me, saying i am respsonible to pay the money back. I dont think its fair, that i have to pay money back that i have never seen nor touched.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Experian Information Solutions Inc.
State: GA
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:
EXPERIAN IS ALLOWING AN INACCURATE ACCOUNT TO REPORT ON MY CREDIT FILE.

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 2022-02-08
Company: RS Clark and Associates, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
DUE TO THAT XXXX XXXX XXXX THE BANKRUPTSY BEING ON THERE LONGER THAN IT SHOULD, I HAVE NOW GOTTEN THE LETTER OF DENIAL FOR SCHOOL LOANS ... .IM VERY UPSET! ATTATCHED ARE THE PROOF OF LETTERS XXXX DDENIAL FROM XXXX XXXX XXXX XXXX WHERE I BANK AT BUT THEY DENIED ME AS WELL FOR A LOAN FOR SCHOOL AND A CREDIT STUDENT CARD. EVEN I GOT DENIED BY COLLEGE AVE. LOAN!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX, XXXX, and Equifax have admitted to improper use of my credit report by removing multiple accounts and inquiries from my report but they refuse to accept liability by paying the cost of damages. I sent multiple notarized letters in XXXX and have yet to receive a response. They continue to pull my credit report without my permission and they report these inquiries or try to hide them as " soft inquiries. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
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:
I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXXXXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.

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

Complaint:
On XXXX XXXX, 2017, Equifax announced that they were the victim of a hack that occurred on or about XXXX 2017 that leaked my personal information according to their victim reporting tool at this address : https : //www.equifaxsecurity2017.comXXXX According to this site, and after I sent my identifying information for them to check says that my information has been leaked due to to this hack. 

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. It is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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 and did not have adequate redundancies in place to prevent a data breach that affected myself along with 143 million others. They also failed to inform me immediately and I suspect insider trading occurred as a result of this. They must be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I applied for and opened a free checking account with TCF bank on XXXX/XXXX/XXXX, as I was browsing for a new bank and thought to give them a try. I funded my account with a {$500.00} transfer from my existing XXXX checking account on XXXX/XXXX/XXXX. A member of XXXX 's loss prevention team called TCF to verify my account with TCF was in fact controlled by me when I initiated the transfer, and then TCF inexplicably closed my account the same day ( see attached ). 

I contacted their customer care account on twitter, @ TCFCares, and spoke to a man named XXXX. He gave me his phone number as well XXXX XXXX XXXX XXXX ext XXXX ), and we spoke. He explained that XXXX needed to call TCF again to verify my account was not fraudulent, and so I called the XXXX, IL XXXX branch. 

I spoke to XXXX XXXX, who is a XXXX XXXX at that location, and she called TCF and explained that yes, my account is legitimate and that the transfer for {$500.00} was in fact initiated by me. I verified my identity with her by going into the branch with my identity documents ( photo ID and a Chase credit card of mine ), and also verified the account at TCF was mine by bringing in the documents I 'd received from TCF in the mail. 

After this, TCF insisted that I had to actually come into a branch with my identity documents to verify who I was with them. I tried to explain that I live XXXX miles away from the closest branch in XXXX, IL, but XXXX said there was no other way. So, I drove to the branch with my identity documents ( SSN card, photo ID, recent utility bill ) and the XXXX ( XXXX, business card attached XXXX told me that she had submitted my paperwork to the 'back office ' but that I would have to wait XXXX business days for a response. I was logging in to the TCF online banking website every day thinking I 'd get a message there or just see that my account was now 'Open ', but I never heard anything. 

By the XXXX business day, I contacted XXXX again and explained that I had n't received an update. He contacted the management at the XXXX location I 'd visited XXXX branch XXXX XXXX XXXX, business card attached ) and then told me that they said because my account was still closed, there was nothing they could do and that I would have to come into the branch again in order to withdraw my funds. I again drove XXXX miles each way to make my withdrawal and close the account, and XXXX informed me that my account was listed under 'Hot file ', which indicated it was still considered fraudulent. 

XXXX verified with XXXX XXXX that XXXX had contacted him earlier in the day about my situation and that I should be allowed to withdraw my funds with my photo ID and just XXXX of the documents I 'd received from TCF, provided me my funds, and closed my account permanently.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief