BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My name is showing as XXXX XXXX XXXX. I keep calling, mailing in disputes along with my ID and SS Card, and sending in complaints about my name. My name is XXXX XXXX. I do not have a suffix at the end. They finally took the XXXX XXXX XXXX off but now it's showing XXXX XXXX XXXX. Please correct this. ( I have not recently shared this information with a creditor.

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 2022-07-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Creditor XXXX XXXX Account numbeXXXX XXXX XXXX -- There was never a dispute. Please remove comments. 

XXXX XXXX XXXX XXXX- Account paid- please remove comments. no disputes XXXX XXXX XXXX please remove comments ( never disputed anything ) ( XXXX entries -- XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - paid/closed -- please remove negative remarks XXXX XXXX XXXX XXXX Please remove comments- XXXX. XXXX XXXX XXXX XXXX - chargeoff removed by Creditor -- sent to all XXXX bureaus. Will submit proof. 

XXXX XXXX XXXX XXXX -failed to deduct payments when auto payment was setup. my banking info never changed. I always setup auto pay. This was only XXXX XXXX month and at the time, I had XXXX XXXX XXXX  mortgages, car note, credit cards and they all were paid on time, I always setup payments auto pay to avoid missed payments. I requested account to be closed. Please remove negative payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: DE
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, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: BRite Financial Services, Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been leasing a car since XX/XX/XXXX. Purchased from XXXX in XXXX XXXX, CT, leasing company is XXXX XXXX out of XXXX XXXX but my payments go to Brite Financial in Michigan. Part of my lease payments include my XXXX of XXXX property taxes. I found out in XXXX that the leasing company that receives the tax bill from XXXX has not been paying my property taxes since XX/XX/XXXX. They owe the taxes that were due on XX/XX/XXXX and on XX/XX/XXXX for a total amount of {$290.00}. I have  been calling Brite Financial weekly since XX/XX/XXXX to get this resolved and nothing has happened. My auto registration expires on XX/XX/XXXX and the CT Dept of Motor Vehicles wo n't let me renew my auto registration until the leasing company pays ALL of the delinquent taxes they owe on every vehicle they lease in CT. How is this fair to me who pays their taxes every week as part of my weekly lease payment? I ca n't get any resolution on this and if I ca n't renew my registration, I can not work and will become homeless. I know it 's a long shot but can you assist in anyway? Also, they have been overcharging me the tax portion of my lease payment and I have overpaid {$1400.00} to them in taxes and they wo n't refund it to me either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
About XXXX XXXX XXXX XXXX XXXX I had a dilemna with Citibank about checking accounts. They were originally asked to close these accounts once they refunded all of my money back to me. However, they have kept one open and charging me stating that I owe them {$20.00}. I recently received a letter stating if I did not pay this {$20.00}, they would close this account ( they already should have done this ) and would negatively report me to the banking credit unions that I still owe them money from a closed account. 
I have been fed up with Citibank and here they are again. I sent them this {$20.00} in a money order to an address they originally provided on a letter, and they returned it to me saying it was the wrong address. I sent it to the address on the second letter and they returned it back to me ( money order ) today saying they already closed account, but the letter had an array of numbers for me to call. 
The bottom line here is that Citibank should not be reporting me to any institution because they should have already closed this account as instructed months ago. 
I have attached a copy of the letter received today with the money order.

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 2019-10-17
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Listed below are several companies that do not know and did not approve any inquiries to my credit from this companies. I had my credit hit about 7-9 times with hard inquires from random unknown financial institute 's all in a span of a week. I have not tried to contact said banks for these inquiries. 

XX/XX/2019 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/2019 XXXX XXXX Deal out of XXXX, OH XXXX Phone # ( XXXX ) XXXX XX/XX/2019 Ally Financial XXXX, MN XXXX ( XXXX ) XXXX XX/XX/2019 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/2019 XXXX XXXX XXXX XXXX, TX 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 2022-07-13
Company: Experian Information Solutions Inc.
State: GA
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:
Hi. I have sent many different verification letters to the credit bureaus in regards to the inaccuracies across my credit report. I told the credit bureaus that there are inaccuracies in names, addresses and companies that I did not recognize as well as inaccuracies in the dates across the board. All of the credit bureaus, for the last XXXX months have verified this information. Until this day none of the dates are aligned so how can you say you verified the information. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX ( not all account numbers are accurate board, XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting duplicate as well ), have violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 states a consumer reporting agency can not funrish an 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 2017-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I learned on XXXX that Equifax failed to sufficiently secure my personal & financial information, including my name, address history, social security number, phone number, date of birth, email address, and credit card numbers. I confirmed with Equifax at www.EquifaxSecurity2017.com that my information has been compromised, putting me at risk of identity theft, financial fraud, and tax return fraud. Additionally, they have known about the security breach since late XXXX and have failed to notify me at all. I only learned about the issue through social media comments from other people also affected. 

Equifax is delaying their offer of credit monitoring services ( I must wait until XXXX to enroll ), leaving me with two options : ( 1 ) leave my information at risk until their offered services are available to me, or ( 2 ) pay from my own funds another company to immediately institute a similar service. I also must pay with my own funds to freeze my credit reports with 4 other services -- {$40.00} total plus tax to freeze and the additional fees to later unfreeze.
Equifax should have : 1. Notified affected consumers of the breach prior to our having to learn about it through social media and news reports 2. Offered immediate, preferably instant, enrollment for affected consumers into credit monitoring and identity theft protection services 3. Arranged or paid for our credit reports to be frozen and unfrozen later with other consumer credit bureaus 4. Offered more than just one year of credit monitoring, as my social security number will continue to be useful for fraud well after one year, and due to Equifax 's negligence, I will have to deal with this for years to come.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
On X/X/2017, I was notified that there was a data breach at Equifax and that I was a potential victim according to their website equifaxsecuirty2017.com. This has put me and millions of Americans at serious risk for identity theft. I believe that a single year of free identity theft protection is not sufficient and should be extended to 5/10/15+ years depending on how much information was stolen. Equifax should also take responsibility and reimburse the affected for putting credit freezes on credit reports as well as compensation for time and money lost for getting a new SSN if needed. The company failed in protecting consumers by not responding in an urgent and responsible manner and I would like a resolution that is fair to all those affected.

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:
There was a data breach at Equifax credit reporting bureau and they have notified me that my personal information was compromised. 
They learned of the data breach in XXXX XXXX, however they took over a month to notify the public. 

I do not feel Equifax has taken the necessary steps to prevent this data breach or to remedy the harmful effects to consumers.

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 Inc. was hacked yesterday. My details were leaked, according to their website. https : //www.equifaxsecurity2017.comXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to Equifax, my information was released in a cyber attack. Equifax failed to protect my personal identifiable information, and I am now at risk for identity theft. I have no business relationship with Equifax, and entered into no agreement with them. They were granted access to my personal information by statute, and as such they need to be held to the highest standards of consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
{$2600.00} I do not owe this debt and it does not belong to me. I've contacted credit 3 bureaus regarding this matter and the company listed to report inaccuracies. They continuously post to my credit report without my knowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient called my former roommates parents today looking for me. I have not lived with this person in five years and we did not go to the same college together. I never lived at her parents residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: DE
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 Account # XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company XXXX XXXX XXXX XXXX mailed me a medical collection bill on XXXX XXXX behalf for the amount of {$220.00} on XX/XX/XXXX. on XX/XX/XXXX I called CCS and successfully completed the payment for above referenced amount in full. 
I expected to get a receipt of some sort reflecting the debt was paid in full and how much had been paid for insurance purposes but after a couple of weeks I never received anything, to this date, I have spent countless hours between CCS and XXXX, called CCS in more then 6 different times and spoken with supervisors as well, asking for a receipt, they kept referring me back to the website, however after attempting the website early on the request for a receipt, the website will NOT reflect the amount that was paid at all, it will only reflect I do n't owe CCS anything which is not what my insurance needs, a receipt with amounts paid. What is more concerning, is the fact that XXXX XXXX can not find ANY credits on my name from a collections accounts after XX/XX/XXXX, which makes me think CCs is pocketing the money and not reporting appropriately. 
To make matters worse, this medical debt was paid with my Flexible spending account, which requires to substantiate with receipts, to this point given the fact this company CCS is not producing documentation showing the amount paid, my FSA card has been suspended until either I repay FSA or produce a valid receipt, and I am not able to pay for my medical expenses for me or my family 's, if I choose to repay FSA, I will be paying for this debt TWICE pretty much. 
In no way I am trying to throw XXXX XXXX under the bus on this complaint, I owed them money and I paid it, or so I was led to believe by CCS. 
Please help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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 information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Diversified Consultants, Inc.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Four weeks ago i called Diversified Consultants Inc informing them that I 've never lived or ever had a mailinig address in XXXX, WV where they supposedly mailed their correspondence concerning an alleged debt i owe XXXX XXXX. During that call I gave them my address that i have had for five years requesting a debt validation letter to determine whether or not I owe this debt. As of today i have not received any correspondence from Diversified Consultants Inc at my current mailing address and I am asking you to intervene on my behalf and protect my legal rights in this matter and persuade Diversified Consultants Inc to mail the debt validation to my current address so I can determine if that debt is valid. Diversified Consultants Inc also illegally re-aged the alleged account on my credit reports and I want the account removed ASAP. I have been a lifelong resident of XXXX XXXX, XXXX XXXX, West Virginia and I was informed by Diversified Consultants Inc during that call they sent correspondences to XXXX, XXXX XXXX, West Virginia, a town that I have never lived at nor had a mailing address.My address which i 've had for over five years is as follows. XXXX XXXX, XXXX. XXXX XXXX, XXXX, WV XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Around XX/XX/XXXX I cancelled all services with XXXX XXXX XXXX. I returned all equipment expect modem because the XXXX  person would not take it to return it. She said they would just throw it away if I gave it to them, I didn't. I put it away when I got home and forgot about it. Not long after I received a check for overpayment. As far as I was concerned I didn't owe XXXX XXXX XXXX anything. That is until late XXXX when I started to receive collection mail and phone calls. I called XXXX XXXX XXXX and explained, again, XXXX would not take the modem. They did not care I owed the money they said. 
I bought a 2nd house and in the move I found the modem. I called XXXX XXXX XXXX on XX/XX/XXXX to let them know I found it and would be returning it. They said OK and would make notes about me calling and stating I would be returning it. I took the modem to XXXX  on XX/XX/XXXX and retuned it, XXXX # XXXX. I called XXXX XXXX XXXX on XX/XX/XXXX to confirm receipt, they said it was not returned. I gave all the information from the return slip, and started an escalation process. On XX/XX/XXXX received an email stating ; STATUS : CLOSED-NOT-ADJUSTED ROOT CAUSE : Equipment Not Found in DB or Supply Chain I returned their equipment per their process yet XXXX XXXX XXXX will not accept the proof I returned the modem. I was able to get the XXXX  location to provide even more proof that I returned the equipment. 

This collections was reported on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX breach and may have got into the hands of the wrong person.

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: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

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