BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-08
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXXXXXX, 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 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 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My identity has been compromised. I tried to file my tax return and the tax professional told me that my social security had been used already to file tax returns. I had to contact the IRS to take measures. I soon received a call from a collection company as well that I owed them money. Everything was making sense after I found out my identity had been compromised. My name and social security has been used for quite some time now and there was several accounts that had been open under my name. These things on my credit are not mine. Please remove these things from my report. 

XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX {$790.00}

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-10-15
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was promised a welcome bonus of XXXX points for getting applying for Amex XXXX XXXX card from American Express when I meet the spending requirement which they confirmed I did. However, they still have not posted the points and waiting for them to resolve the issue for the last 6 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07
Company: CITIBANK, N.A.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This fall, I received in the mail and email a special offer if you activate and spend {$500.00} per month, you will earn {$30.00} additional XXXX XXXX for the months of XXXX, XXXX, and XXXX. I thought that was a good deal, so I activated my XXXX XXXX card and started using primarily that card for holiday shopping and vacation. I called the company questioning where the XXXX XXXX  were today ( XX/XX/19 ) and I was told I never activated the promotion. When receiving the follow up mail, it said if you already activated your card, ignore this. So now I am out the additional XXXX XXXX and since I wasnt using my normal card, I didnt get that cash back. I am very frustrated. And this is the third issue I have had with this XXXX XXXX/citi card since activation in 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 monetary relief
Consumer complaint received 2020-10-08
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have contact and sent letters to Navient to remove 90 day inaccurate late payments from XX/XX/2015 as I was on a forbearance. My credit shows I was in good standing from XXXX to XX/XX/2015 and suddenly a 90 day late payment shows up in XX/XX/2015. I have also consolidated my loans at this time that has an exceptional payment history. 

XXXX  and XXXX have 14 of the 90 day late payments being reported.

XXXX  has 5 of the 90 day late payments being reported. 

According to FCA all reports should report the same information and they are not as XXXX  has a lower amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Exeter Finance Corp.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022 I went to Wells Fargo to deposit a check and to get a advancement on a credit card. The teller by the name of XXXX stated that she could not deposit a check I wanted to deposit due to a notification from her efforts of depositing. Not sure what she really meant, but none the less, she could not make the deposit. So, I moved on to the credit card advance. I asked for the advance to be in the amount of {$100.00} and the transaction was successful. The problem is when I called XXXX XXXX credit company for information they stated I took out a credit card advance in the amount of {$150.00} which is not true. The credit card company also froze my card and prevented me from making further transactions. I'm complaining because the teller received some type of notification on her computer screen that is affecting me at another bank, XXXX XXXX Credit Card company and my card is no longer available for use after my visit to Wells Fargo Bank.

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 2017-09-29
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DEAR CFPB, Equifax 's huge data breach exposed our credit account and resulted in our information being exposed to potential theft. While Equifax has offered its " Trusted ID '' account protection services, it has made signing up for this " free service '' virtually impossible. There is a limited time frame within which customers can sign up for this protection ( why is there a wait at all, or a limit on how late we can sign up, when we know our information is exposed? ). When I finally received the alert that I was permitted to sign up for the Trusted ID service, the service signup did not work online. A one-line apology on the website and XXXX number provided to resolve this problem also has also been a dead-end : no one answers or even gives an estimate of wait time. Using other phone numbers on the Equifax website also do n't allow us to talk to a person. There seems to be no way to communicate with Equifax about this. 

This is a joke. Is Equifax unaccountable for this crisis? We can not be assured that there is any protection on our account even though we have confirmation from Equifax that our information is at risk. Our personal information is totally out of our own control. This is OUR personal data. How did this country get to a point where a private company can hold our personal information hostage, and we do not have the right to access and protect this information WHENEVER WE WANT? Being allowed to access only ONE free credit report per year from each of the three credit reporting companies was already unacceptable to many. Now, the situation with Equifax is untenable. With its sub-par communications to customers affected by this data breach and its failure to provide immediate account protections, Equifax shows outrageous incompetence, irresponsibility, and insensitivity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
So there is no option for my complaint. So I just chose options to get here. The XXXX, CA branch is closed nearly every day of the month due to Covid supposedly. However, employees are still working and when it was actually opened one day the lady in line in front of me happened to know the teller and the teller said oh yeah we were closed for Covid again wink wink. This is unacceptable as so many people in our city frequent this bank and need transactions the atm doesnt offer. How can this be regulated so employees at this branch cant randomly decide they want to get paid for not working.

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 2017-09-29
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX XXXX, I started a deed in-lieu of foreclosure process with my original mortgage company, XXXX mortgage, due to being XXXX XXXX military and PCS'ing. As of XXXX XXXX, I was told the process was complete and just waiting closing. In XXXX XXXX, I discovered ( due to a delinquent alert on my credit report ) that my loan had been sold to Loan Care, LLC., and that I was now behind on payments. I promptly contacted XXXX XXXX who proceeded to tell me I would have to start all the paperwork over again. I completed the paperwork and sent the signed and notarized documents back to them in the XXXX XXXX timeframe. On XXXX XXXX, XXXX, it was reported to the VA that the deed in-lieu of was in the closing process. Since then, I have not received any closing paperwork or any finalization, and multiple attempts to contact the company have resulted in a run-around of being told the process is complete and they are unsure why it is still being reported to the credit bureau. On XXXX XXXX, XXXX the VA was able to see notes updated in the system saying the loan was closed. From there, my VA rep and I both attempted to contact the company for further information. The VA rep still has not received any response to her emails, and I was told on XXXX XXXX, XXXX that a letter had been sent to the credit bureaus to correct all data. On XXXX XXXX, XXXX, I contacted the mortgage company again to find out why no updates have occurred yet. I was transferred to a supervisor who told me that she could not see any of my information or notes in the system because " it was the wrong department '', and that she would email the POC and his supervisor with my information to return my call. I have left messages with the POC several times in the past and have never received a call back from the company. I still have not received any paperwork showing that the process has been finalized, and the credit bureaus still have not been updated to remove the delinquencies to fix my credit score. I also need the VA to receive all the final paperwork as well to restore my VA benefits. This process has been ongoing for a year and, due to my loan being sold and being unable to contact the right POC, still has not been completed or resolved.

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 2017-09-29
Company: D&A Services, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted on XXXX XXXX, 2017 at work by someone named XXXX XXXX who said he was with D & A Services, a debt collection agency. He said I owed a debt that actually was paid many years ago. He said he sent me information in the past but I did n't respond to it. I never received any information from this company in any form. I do not owe any debt to the company he was referring to. He was very persistent. After looking up information on this company, I 'm afraid they will use my information for some scamming or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: EQUIFAX, INC.
State: UT
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:
There is one " 30 day past due '' remark on my XXXX account. It has come off and gone back on my credit reports. I want this immediately and permanently removed. I have sent copies showing credit updates showing " before '' and " after '' where it had been removed. See attached reports from Equifax and XXXX  showing " previous '' with 30 days past due and then " current '' showing it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions 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, XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its 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 2017-09-29
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:
I experienced a financial hardship several years ago.  My home loan was originally with XXXX XXXX XXXX (XXXX).  XXXX transferred my first and second mortgage loans to XXXX.  XXXX  and I agreed to a settlement for my second home loan.  I had to pay $XXXX within 12 months and they would write the rest of the loan off and send me a letter for the credit bureaus to fix my credit.  XXXX kept their word.  However, XXXX and Equifax refuse to adhere to the letter.  I have been mailing the same document to them for a year and they still refuse to remove the negativity from my credit report.  How should I proceed?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: First Help Financial, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-04-27
Company: Experian Information Solutions 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, XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its 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 2022-04-27
Company: Experian Information Solutions 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:
INQUIRY AND DATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-27
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:
INQUIRY AND DATES XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation