BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-11
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:
I might be one of the 150 million victims of 2017 Equifax Security Breach, and I feel really vulnerable since there is nothing I can do to improve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
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:
Equifax allowed my personal information, including social security number and other vital personal information, to be breached and divulged my information without my consent. This greatly impacts me, as it sets me up to be a victim of identity theft. I have worked hard to maintain good credit and Equifax, either due to negligence or direct intent, has made it possible for my credit to be ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Experian Information Solutions 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:
XXXX XXXX Account Number XXXX Account Type Unknown Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$300.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments This account is not mine, it was removed from my report and then added again. As a result my credit keeps decreasing.

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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX have a Account on my credit report Account Number XXXX Date Opened XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
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:
XXXX XXXX XXXX have a Account on my credit report Account Number XXXX Date Opened 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 explanation
Consumer complaint received 2017-11-13
Company: CITIBANK, N.A.
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XXXX, I placed a payment of {$100.00} on my account with XXXX, which was over the minimum amount due on an account with the balance of {$3200.00}. On XXXX XXXX, I posted a second payment for the rest of the balance due of {$3100.00} that was the balance on the account on that date. On XXXX XXXX, after there was {$0.00} balance on my account, I was charged interest in the amount of {$44.00}, with that amount due during my next billing cycle. This was also after I had ONE late payment ( the only one in my credit history ) with XXXX, and they instituted a penalty rate on my card AND decreased my credit limit to make it appear that my card was maxed out, without notifying me, several months after the late payment occurred. This ended up hurting my credit score, when I otherwise had excellent credit and payment history.

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 monetary relief
Consumer complaint received 2018-10-26
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received calls numerous times by this and other phone numbers asking to pay a debt from pharmacy. 
When I try to get more information as to what exactly I was charged for, where is the receipt, etc. they just close the line. They call my friends phone numbers too.

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: 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:
This is a response with the complaint that was filed on XX/XX/22. The Bureau stated Account Name and Account number was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal.

They also violated my rights under 15 U.S.C 1691 Section 604 A Section 2 : They law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C. 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 U.S.C. 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified, they consumer reporting shall promptly delete the information from the file of the consumer.

This also violates the statue of limitations - Fair Credit Reporting Act - 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] I have included the supporting evidence with the discrepancies circled. The credit report with the date of XX/XX/22 was submitted initially. The report dated on XX/XX/22 shows there are still discrepancies and even thought the stated they verified and updated. They did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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: 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent off letters to all 3 credit bureaus. I have yet to hear from any of them. It is a law for credit bureaus to respond in 30 days, they are in violation of my consumer law.

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 2017-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
First let me start with I have been on file noted with the Federal trade as a victim of ID theft and it is clearly noted on my credit bureau files that I am the victim of identity theft, yet I still have all these credit inquiries which are negatively impacting my credit ... I did find out that Transunion about 2 months ago removed everyones credit inquiries and then put them back on, without sending a 5 day reinsertion letter which is a violation of 6.11 of the Fair Credit Reporting Act. I did call in this morning and was on hold with operator, XXXX, at XXXX, XXXX XXXX, XXXX regarding both issues. She is stating she is not able to do anything for me. I did notify her that I would be filing a complaint with both the CFPB and the Attorney Generals Office. 
All inquiries made against my social should be removed. I have not attempted to purchase or open any accounts. I am just finding out about all of this since XXXX and have been desperately trying to fix this disaster.

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: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX XXXXaughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
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 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 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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/2022 LCI, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX Dear, LCI representative Transunion, your parent company has notified me that they received information of a bankruptcy from LCI, XXXX. 

Refer your knowledge to the Fair Credit Reporting Act Law, subsection 609 - 15 U.S code 1681g - Disclosure to consumers. 

I am requesting a complete file of all the information LCI, XXXX has obtained about an alleged bankruptcy in my name. 

Provide the information on file, the source which LCI , XXXX obtained the information and the recipients of the information. 

I want the identification of a person, court or business, the name of the person, court or business or, if applicable, the trade name ( written in full ) under which such person, court or business conducts business and the address and telephone number of the person, court or business that furnished the bankruptcy that you have on file. 

You are here by put on notice LCI XXXX XXXX. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to PRIVACY. 

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency OR any PERSON/COMPANY can not furnish a account or information without my written instructions and consent. 

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Each violation is a XXXX dollars when a company breaks the law. 15 U.S code 1681n

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: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
It has been years since I have been even a day late on my student loan payments but when I was informed that my husband was entering a training program that would significantly reduce our household income, I called Navient to see if I could receive a one month delay on my payments. I was told that they could not do that ; they may be able to lower my payments if I was interested in entering some kind of program but skipping a payment was not possible. I explained that a lower payment would n't help me because I just could n't afford it. They asserted that there was nothing that they could do. It has been less than 30 days since I missed my payment and I am receiving over 20 phone calls per day across 3 phone numbers ; two of which I have repeatedly asked them not to call. I am receiving calls before XXXX and after XXXX which is beyond harassing. During my last call with a representative this morning, I was told that not only would the calls not stop but they are going to continue to call the numbers that I asked them not to because they do n't think it is against the law. She then threatened that she was just going to call my cosigner next to tell her of the delinquency as if that was supposed to instill some kind of fear in me. I 'm going to continue my payments as planned on XXXX but since I was unable to make the payment in XXXX, I will remain ~28 days past due each month because I ca n't make " extra '' payments to make up for the ONE I missed. My concern is that these harassing phone calls will never end. There has to be a limit to how often they can call people. This is no way to treat consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX and Experian are still charging money for credit freezes and thaws. After the XXXX break, the Experian breach, and the XXXX breach, this is unconscionable. 

CFPB should pressure all of the credit reporting agencies to offer freeze/thaw protection gratis.

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: 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 's data breach exposed my personal information. I am filing this complaint as I am upset that Equifax did not reach out and notify those affected ; they report the breach ended in XXXX. It 's XXXX. Additionally, I would like to know what types of my information was hacked. For example, did it include my driver 's license number, social security number, etc. As consumers whose information was taken fraudulently, we are entitled to know what information that consisted of. Very disappointed in the lack of transparency and assistance by the company at this stage. Also disappointed that in an effort to check if I was impacted, there is a clause built in to the process that prohibits you from seeking legal action against the company going forward. Dishonest business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: UT
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, I checked with Equifax to see if my information was possibly compromised, and seemed to have been given a response. The site, https : //www.equifaxsecurity2017.com/, asks for my last name and social security number. Multiple other customers have tried using fake information, ( https : XXXX ) with the website stating that said even those " customers '', with information such as Test as a last name and 123456 working as a social number, giving a false positive ( https : XXXX ). I believe my information has not been used correctly, instead been used to offer me a product for ID protection for free which will begin to cost after one year of usage. My information may or may not have been compromised, and Equifax is not giving a solid answer. Instead, I am being pushed a product I do not trust by said company who has been hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Because of the data breach at Equifax, and after confirming on their website that both my credit information, as well as my wife 's, may have been compromised, I submitted a 90 day fraud alert and then attempted to obtain my free credit report based upon my fraud report submission. The Equifax web site will not allow me or my wife to obtain our free credit reports without our accepting binding legal arbitration for any and all complaints against Equifax. When we decline to accept their online terms, we are prevented from submitting our requests for our free credit reports. We believe that this is a violation of federal credit laws, since it was the breach of their computers that jeopardized our credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: HI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XXXX, my XXXX XXXX was repossessed due to the apartment complex towing it because they said i did not have a registration sticker. The cars tags were current and i left on XXXX XX/XX/XXXX. The Apartment complex towed my car while i was away i did not return until XX/XX/XXXX and the XXXX XXXX XXXX company sold my car at auction before i returned was i was not notified until i returned. I have disputed this many time and tried to explain the situation i have XXXX order showing i was not in the country to fight this at the time this repo is effecting my security clearance

Company response to consumer: Closed with explanation