BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-19
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed several accounts on my Equifax credit report that does not belong to me XXXX XXXX XXXX... XXXX XXXX XXXX XXXX Bank ... XXXX XXXX XXXX XXXX... XXXX XXXX Bank. XX/XX/XXXX... XXXX XXXX Bank XXXX XXXX ... XXXX XXXX Bank XXXX XXXX ... XXXX Dept of Ed / XXXX ... XXXXXX/XX/XXXX... XXXX I noticed unauthorized inquiries on my credit report. Someone else applied using my name. According to the FCRA ( Fair Credit Reporting Act ) these unverified and unauthorized inquiries must be deleted : XX/XX/XXXX... Unauthorized inquiry... XX/XX/XXXX XXXX XXXX XXXX... Unauthorized Inquiry ... XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
RESUBMISSION OF COMPLAINT. 

I am requesting that this complaint not be closed. As I and you know AES will not take responsibility for their actions. Simply taking their word over mine is not a thorough investigation of their actions. I am requesting that they provide you with a promissory note in the amount of the original balance they allege I borrowed in the amount of XXXX. They doubled the original amount that is what they did. I am not disputing the true original amount which is around 30K but less than 40K. I am not disputing the default. I am disputing everything else as well as how they misappropriated my payments which was done in a way to keep the loan open. I am also disputing the lender on the account as I called the lender and they have no record of me. They keep records of their borrowers and because I am still overpaying the loan they should have record of me. The lender instructed me to get to the bottom of this with AES who keeps dodging questions and acting ignorant as to what I am asking. I believe I made myself clear to them. 

To AES XX/XX/2022 I want to make myself real clear as well as document my request which has yet to be received. I asked you to send me a promissory note of the alleged original balance that you claim I borrowed. So far, that has not been done. The promissory note provided to me is around 30K but less than 40K. Again, to be clear I said the loan was overpaid as you charged me twice. Again, to be clear I requested all overpaid funds including interest along with capitalization regarding the overpayment to be refunded. Again, to be clear I stated that the payments made to you were not properly distributed meaning you applied my payments to a consolidated loan in such a way that benefited the lender. You purposely kept the loan open making sure it was never going to be paid off. Again, to be clear I called the lender and they said they have no record of me. Even though AES services their loans they keep a record of all their borrowers. They checked their old system and their new system. At which time, they told me to contact you regarding the discrepancy which I have done. For the last time, provide me with the promissory note in which you allege my original balance was in the amount of XXXX. I am telling you now I know you can't because it doesn't exist. This was/is and still is being overpaid that simple. So, stop with the lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
On XX/XX/XXXX, Equifax announced that a " cybersecurity incident '' compromised confidential information including social security numbers, birth dates, addresses, drivers license numbers, and credit card numbers for approximately 143 million U.S. consumers ( or roughly 66 % of all adult Americans, as I understand it ). 

After checking with Equifax, I have learned that my information was compromised. 

This " cybersecurity incident '' was discovered on XX/XX/XXXX, and the company allowed over a month to elapse - a month during which my social security number and a handful of other identifying information could have been used to impersonate me - without notifying me in any way ; then when they did notify the public it was through a general message on their website with no direct contact to let me know that the press release had been published. If it were n't for traditional and social media, I would not have even known that my identity had been compromised well over a month ago due to the negligence of Equifax. 

Again, despite having access to my address, to multiple phone numbers, many ways to contact me, Equifax decided to say nothing publicly for over a month, and then to issue a public statement with no way of me knowing that the statement was made if not for third parties. 

Equifax has offered a free year of credit fraud monitoring, but frankly this is not a solution. My identifying information can not be recovered, and I will still be at risk for far longer than Equifax is willing to monitor my information for possible fraud. To ensure that my identity is secure after the one year, I would have to enroll in a paid program - effectively rewarding Equifax with my business for its negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX paid a medical bill to Capio partners and on XXXX XXXX received a bill for that debt fromXX/XX/XXXX. Called them that Monday and let them know it was paid in full. They had email receipt to XXXX It took me a while to get receipt from Capio partners. Got the receipt from Capio sent it over to the email provided to XX/XX/XXXX on Thursday XX/XX/2022. On XX/XX/XXXX I check my credit and it is listed as a collection again. I have the proof it is paid in full. Thank you for your attention in this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any 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 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 did not secure my information properly and it was hacked and stolen. I am not in fear of having my identity stolen. I have spent a lot of time and money now signing up for credit fraud alerts and credit freezes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity thief. To protect myself from future issues I have placed a freeze on all three credit reports and a fraud alert. However I am still seeing inquires on my Transunion credit report that needs to be removed as I did not apply nor consent to the following inquires. XXXX XXXX  on dates XXXX AND XXXX. However last year in XXXX I did apply for a auto loan and credit, those XXXX are valid dates XXXX and XXXX. Lastly XXXX XXXX XXXX XXXX  sent me a check in the mail in XXXX to deposit into my account if I wanted to. I did take it however a credit inquiry should not have been added to my credit report being that it was already solicited and approved. I spoke with the company and they agreed to remove the inquiry however it is still reporting. To prevent this from happening in the future I have I have frozen all XXXX credit bureaus. Please remove the fraudulent inquires 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 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX  XXXX XXXXDate of inquiry : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  XXXX XXXXDate of inquiry : XXXX XXXX XXXX  XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX  Date of inquiry : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX  Date of inquiry : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX Date of inquiry : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX  Date of inquiry : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX Date of inquiry : XX/XX/XXXX TransUnion LLC Consumer Dispute Center 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2022-01-18
Company: EQUIFAX, INC.
State: KY
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 XXXX have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companie. Below Is my FTC Identity Theft Report. I have also mailed all respective CRAs my identity theft affidavit please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/2021, at XXXX XXXX  I tried to call XXXX at XXXX since they have a collection on my report for {$1700.00}. 
I was on hold for 20 minutes as they could not find my account. I gave them my social security number like 2 times and they could not still find my account. I was transferred to XXXX and hung up after 35 minutes. 
I have called back on XX/XX/2021, at XXXX XXXX  and they still can not find my account under my social security number. I asked them to send me a letter to have removed my report and they say they can not do that. Yet their collection is not accurate on my report and I want it removed or closed. 
They ask for the account number and what the credit report says, is not an account number of theirs. 
I have disputed this and the reporting agency will not remove this from my report. I want this off my report as the company has no record of my account with my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: MI
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2017-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have 2 bank of america credit its closed but the reason is CONSUMER XXXX.i was pay off and no balance.

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: IA
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, XXXX, Equifax announced a cybersecurity incident impacting approximately 143 million U.S. consumers. The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, driver 's license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed. 

On XXXX XXXX, XXXX, I used the https : //www.equifaxsecurity2017.comXXXX website to check my impact. I received the following information : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' As of today XXXX XXXX, XXXX, I have not been able to get any further information from Equifax about the status of my credit, whether my information is secure, how it was released, why I was not informed earlier, or why I am not able to get credit monitoring immediately ( see below ). 

Although Equifax is offering credit monitoring, they have not yet allowed me access. Creating a further problem for me and my credit, Equifax is covering the credit monitoring for only one year. Malicious parties who stole my information can sell this information on black markets and simply wait one year to begin exploiting my data to steal my identity and illegally get credit in my name. 

Equifax did not secure my information with appropriate best-standard practices. My credit and financial life are now at risk and very vulnerable to fraud. Equifax did not properly disclose this breach to me. I learned about it on the news rather than directly - they have my contact information therefore should have notified me directly as their customer. Additionally Equifax has failed to provide sufficient information or protection for me and my credit/financial data. 

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.

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 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 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 2022-01-18
Company: Experian Information Solutions Inc.
State: NC
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:
I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. 
I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.

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 2019-07-15
Company: R&R Professional Recovery, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX, R & R Professional Recovery , Inc. a member of R & R professional Recovery contacted my family ( Uknown how ) and threatened their credit, revealed my personal information, and amounts due of {$500.00} something. This resulted in my family giving my information., I called R & R professional Recovery and spoke to XXXX. Apologetic about the situation, he tried to negotiate and drop the debt down to XXXX. I was not interested as the amount was originally being disputed with the original creditor ( continues to throw us to R & R recovery, when we call ) Now my credit report states that R & R wants the whole XXXX something. No one has contacted me since then. I called R & R XX/XX/XXXX and XX/XX/XXXX with not able to speak to anyone. I am just finding out today this was reported to my credit. I called today again at XXXX on XX/XX/XXXX and was not able to reach anyone. 


Mr. XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, MD XXXX PHONE : XXXX XXXX ext XXXX FAX : 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