BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-09
Company: SYNCHRONY FINANCIAL
State: TN
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:
This debt has been disputed numerous times and removed. I do not owe this debt. This also looks to be a very old debt. I sent a certified letter stating this. Do not contact me anymore and i do not owe this debt!

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 2022-07-11
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:
Im accordance with The Fair Credit Reporting Act the United States Bankruptcy XXXX Ohio District Case Number XXXX 15 U.S.C 1681 section 602 A States that I have a right to privacy. 
15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2022-07-11
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:
Im accordance with The Fair Credit Reporting Act the United States Bankruptcy XXXX Ohio District Case Number XXXX 15 U.S.C 1681 section 602 A States that I have a right to privacy. 
15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions

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

Complaint:
My personal information ( DOB, SS #, address, credit info ) was compromised by Equifax, leaving me a likely target for identity theft. First issue of complaint is that I was not notified but instead had to research how to protect myself based on a news story! I went to a website that asked for more personal info to see if I had been impacted by this breach. I had. I was not given any guidance about what to do to protect myself. I was not offered any solution. I was forced to search myself for options, all of which will cost me time and money and a lifetime of watching every transaction, every attempt at using my credit report, every attempt at using my personal information and may still result in financial harm to me if something gets through. This is not my line of work. Equifax is responsible and they should make it right, as much as it is possible to do.

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:
Due to the Equifax cyberattack, my information has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: EQUIFAX, INC.
State: FL
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:
XXXX is listed my credit reports as 120 days late. This account has never been late. This account is in forbearance status. I have attached the appropriate documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I noticed that XXXX hasn't removed my bankruptcy from my credit report it's been 2 years I want it removed it should have been after 1 year. I submitted a dispute but it's still showing on 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 explanation
Consumer complaint received 2019-01-09
Company: EQUIFAX, INC.
State: MO
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:
The accounts listed below are still reporting to EQUIFAX, XXXX, AND XXXX. These accounts do not belong to me. I have reported these accounts several times and the appropriate actions have not been taken. Please, delete these accounts immediately. 

XXXX XXXX XXXX XXXX / XXXX   XXXX Last reported : XX/XX/XXXX + {$560.00} Needs Attention XXXX XXXX / XXXX  XXXX Last reported : XX/XX/XXXX + {$300.00} Needs Attention XXXX XXXX XXXX XXXX / XXXX XXXX XXXX  Last reported : XX/XX/XXXX + {$120.00} Needs Attention XXXX XXXX XXXX/ XXXX  Last reported : XX/XX/XXXX - {$300.00} Needs Attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-22
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
-Purchased a washing & dryer from Sears in XXXX, XXXX -Had multiple problems with deliveries -Once the items delivered the washing machine began to malfunction -I paid every month on time & paid off in full in XXXX XXXX -I was NEVER late and paid on time every month prior to the payoff -The washer has had 17 repair appointments -The washer is currently not working -The washer is still under warranty -Sears is reporting me paying late ONE time in XXXX XXXX -I have contacted Sears executive office three different times -I have was treated with disrespect and Sears has refused to correct inaccurate report -I owe NO money -I do not have a working washing machine -The inaccurate report is the ONLY late payment reporting on my credit report -I was also insulted by the Sears rep with a negative racial stereotype

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 2017-09-09
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 suffered a security breach that was announced over the past few days. They did n't contact me or let me know that my information was compromised. Their executives sold over {$1.00} million worth of their stock BEFORE announcing the security breach. I had to receive an email from my password manager ( that was n't affected or harmed at all by this security breach ) directing me to a site managed by Equifax to see if my information ( social security number, etc. ) was compromised. Turns out it was. I now have to spend time going over securing my credit, putting freezes on my account, and closely monitoring my credit in the unforeseeable future because my SSN is not going to change and is now out there in XXXX knows whose hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX / XXXX / {$350.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Paypal Holdings, Inc
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Venmo froze my account because I tired to order of XXXX iv given them every piece of abutting to show it was me but they still haven't unfrozen my account they also haven't depositing my money that I did a standard XXXX on they passed the date they told me it would be delivered on they won't talk to me or tell me why my account if froze they stole my money and are getting attestation with it is theft pain and simple... it was my tent money and as a result me my wife and my give week slogs caught was kicked out and venmo still hasn't released my money or give me idea when it will be or why please help so this fraud scamming... thefts from stealing people 's money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: FL
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 divulged my information to hackers through their poor security. I used their website to verify whether or not my information may or may not have been compromised. The results of the investigation is that my personal information may impacted.
DATE : XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
While I sought relief under Chapter XXXX Bankruptcy filed inXX/XX/XXXX and Discharged in XXXX. The obligation with XXXX survives the discharge and since they reported prior to the BAnkruptcy, Bankruptcy code says they must report after the discharge since I am liable and paying this obligation. Mortgagees are treated differently and as secured loans iunder Chapter XXXX and continued to be paid outside the repayment plan. 

Mortgages arent discharged In Chapter XXXX, your liability on your mortgage is an exception to the discharge. 

The mortgage loan is not discharged as a personal obligation. 

And therefore, there is no legal bar to the servicer reporting your payments, and every danger should they not report. 

Heres the part of the Bankruptcy Code that excludes long term debt like your mortgage. 

Section 1328 says, ( a ) the court shall grant the debtor a discharge of all debts provided for by the plan, except any debt ( 1 ) provided for under section 1322 ( b ) ( 5 ) ; Section 1322 ( b ), defining the debts excepted from the discharge, says ( b ) Subject to subsections ( a ) and ( c ) of this section, the plan may ( 5 ) provide for the curing of any default within a reasonable time and maintenance of payments while the case is pending on any unsecured claim or secured claim on which the last payment is due after the date on which the final payment under the plan is due ; So, among the debts excepted from the Chapter XXXX discharge is a secured claim with a payment schedule that extends beyond the life of the Chapter XXXX plan. 

Servicers obligation to report Put simply, if a creditor reported to credit reporting agencies before the bankruptcy was filed, then there is an obligation to report after the bankruptcy.

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 2021-08-25
Company: EQUIFAX, INC.
State: NC
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
While I sought relief under Chapter XXXX Bankruptcy filed in XX/XX/ and Discharged in XXXX. The obligation with XXXX survives the discharge and since they reported prior to the BAnkruptcy, Bankruptcy code says they must report after the discharge since I am liable and paying this obligation. Mortgagees are treated differently and as secured loans iunder Chapter XXXX and continued to be paid outside the repayment plan. 

Mortgages arent discharged In Chapter XXXX, your liability on your mortgage is an exception to the discharge. 

The mortgage loan is not discharged as a personal obligation. 

And therefore, there is no legal bar to the servicer reporting your payments, and every danger should they not report. 

Heres the part of the Bankruptcy Code that excludes long term debt like your mortgage.

Section 1328 says, ( a ) the court shall grant the debtor a discharge of all debts provided for by the plan, except any debt ( 1 ) provided for under section 1322 ( b ) ( 5 ) ; Section 1322 ( b ), defining the debts excepted from the discharge, says ( b ) Subject to subsections ( a ) and ( c ) of this section, the plan may ( 5 ) provide for the curing of any default within a reasonable time and maintenance of payments while the case is pending on any unsecured claim or secured claim on which the last payment is due after the date on which the final payment under the plan is due ; So, among the debts excepted from the Chapter XXXX discharge is a secured claim with a payment schedule that extends beyond the life of the Chapter XXXX plan. 

Servicers obligation to report Put simply, if a creditor reported to credit reporting agencies before the bankruptcy was filed, then there is an obligation to report after the bankruptcy.

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 2022-02-09
Company: CarMax, 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: Credit inquiries on your report that you don't recognize

Complaint:
Carmax ordered a hard inquiry WITHOUT my signed authorization! Per the F.C.R.A., either have them provide a signed application document with my signature ( XXXX XXXX ) authorizing such, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
The credit reporting agency Equifax allowed a massive data security breach ( 143 million people affected ) sometime between mid-XX/XX/XXXX and XX/XX/XXXX. They discovered the breach on XX/XX/XXXX and informed the public on XX/XX/XXXX. 

Equifax was irresponsible and careless in regards to the cyber security of my personal and financial data along with the other 143 million people affected. Equifax mishandled my data including names, Social Security number, birth date, addresses, credit card numbers and potentially my driver 's license and possibly more. That puts me at risk of identity theft and fraud due to negligent security practices in handling consumer information. I confirmed that I could be affected on the website, www.equifaxsecurity2017.com. 

There is nothing I could have done to prevent this. The responsibility rests solely on Equifax. I have initiated a fraud alert on my credit file and am seriously considering paying for a credit freeze to be extra careful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax is reporting accounts open that are closed and was included in bankruptcy chapter XXXX. I have reported this information to them several times and its still showing on my credit report. This accounts were showing closed and discharged under chapter XXXX however it appears they show accounts open again which is inaccurate information. Thi was reported several times in XX/XX/XXXX and XX/XX/XXXX with no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My ex wife is the successor in interest on my mortgage loan, and I am the primary borrower. Caliber home loans is the servicer, and they allowed her to change the homeowners insurance. They have said successor in interest is allowed to make changes to the mortgage. They say they are following federal and state guidelines, yet repeatedly refuse to tell me what those guidelines they are following. They refuse to send me any documentation regarding those guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Experian Information Solutions 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$150.00} XXXX XXXX XXXX {$210.00} XXXX  XXXX  XXXX XXXX {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: SC
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 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 Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$10000.00} Account Status : Closed Payment Status : Charge-off Account Name : U S DEPT OF EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$3300.00} Account Status : Closed Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX : XX/XX/XXXX Account Balance : {$520.00} Account Status : -- Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department

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 2022-07-11
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXt # 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 2 : It also states a consumer reporting agency can not furnish an account with 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 2017-09-09
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:
Based on the tools provided by Equifax, it would appear that my personal data was compromised along with that of potentially millions of others. This is per Equifax 's own tool equifaxsecurity2017.com.

Company response to consumer: Closed with explanation