BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
Equifax did n't have proper safeguards to protect consumer credit information from being disclosed to hackers. I was one of some 140 million Americans who had their credit history and personal information compromised. I have tried to contact Equifax repeatedly and never being able to speak to someone who could help me secure my credit and personal information. The Company has a web site that allows you to enter your personal information including your full social security number in order to provide a free credit monitoring service and they tell you they will verify the submission with an email which you never receive. I found out that this information does n't go to Equifax, but to a so-called " sister company ''. So I have now been hoodwinked into divulging my personal information to yet another company. 
Here is my question, what governmental agency is regulating Equifax and the other two major credit reporting agencies. If there is no regulation of these companies, why is n't there? They are taking information from consumers, often without their knowledge and then not protecting it from disclosure. Something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: First Associates Loan Servicing LLC
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I 'm an receiving debt collections calls from XXXX XXXX XXXX XXXX XXXX XXXX about an account that is not past due. I am being refused the option to speak wit ha supervisor about stopping the calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I called to dispute money that was taken out of my account by Bank of America on approx. XX/XX/XXXX for XXXX and XXXX case number : XXXX case number : XXXX I opened this account for child support. Bank of America took money out of my child support money that I use for my child. SMH ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-11
Company: EQUIFAX, 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 have a fraudulent hard credit inquire from XXXX XXXX XXXX. XXXX XXXX XXXX has notified Equifax that is was a fraud inquiries, but they will not remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In around XX/XX/XXXX or XX/XX/XXXX I was XXXX years old and living with my parents and I was forced to sign a lease contract in which under California law that 's a violation. 
XXXX XXXX XXXX XXXX had me sign the lease contract online by force and if I would n't sign the lease I would n't be allowed to live with my parents. 
My parents did n't know and I told them, but we need it apartment and we did n't say much or else we would n't have a place to live. 
I have filed many complaints against XXXX XXXX XXXX and collection company Fair Collections and Outsourcing XXXX XXXX XXXX, XXXX XXXX XXXX, MD.XXXX.XXXX. 
My credit scores and credit is destroyed because of XXXX  XXXX XXXX, Collections and Attorneys forcing me to pay {$3700.00}. 
My Dad XXXX XXXX XXXX XXXX XXXX Military Veteran and XXXX and XXXX file a Federal Bankruptcy Chapter XXXX in XXXX, Texas and debt of {$3700.00} that was his was included in the bankruptcy.Federal Judge discharged Bankruptcy on XX/XX/XXXX, Filed case # XXXX My mom XXXX XXXX and my sister XXXX XXXX should n't be liable for debt as my dad was the wage earner and primary leasr on XXXX XXXX XXXX  Contract. 
I am been Retaliated and Discriminated because I am XXXX and also my mom and sister. 
All our credit is been destroyed because of the Retaliations against us as XXXX. 
XXXX, XXXX and XXXX has collections of debt of {$3700.00}. 
Me and my sister was high school students back around XX/XX/XXXX -XX/XX/XXXX-XX/XX/XXXX. 
My mom had a low wage job. My Dad was employed by XXXX XXXX XXXX in California where he had high XXXX My dad had to retired from XXXX XXXX XXXX with a XXXX XXXX on XX/XX/XXXX. 
I can not succeed in life without excellent credit.

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 2019-07-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Unlawful and deceptive acts and practices are being used by Care Credit via Synchrony Bank. They are charging me double interest and they claim this was made clear at the time of signing. When I applied for credit I did not see any language obviously visible to me regarding interest being calculated on the total owing, not the remaining principal. 

After discussing with the creditor, they are reluctant to provide any information tegarding how my payments are being applied toward the balance. The monthly statements are misleading and do not delineate how much I have paid to date, how much interest is owed in total or disclose in an obvious manner that I am paying interest on top of interest. I feel I have been taken advantage of and been the victim of misrepresentation of a circumvented agreement. 

The agent I spoke to today said there is no difference between principal and interest and it is very confusing to the average consumer. 

They even charged me interest after 6 months worth of payments on the original balance as if I had not made a payment at all. I am happy the CFPB protects consumers who have been baited into situations such as the one I find myself in.

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 2019-07-27
Company: National Recoveries, Inc.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Several complaints against National Recoveries : 1- Garnished salary while in process of resolving issue with them. They constantly gave me different excuses that they didnot recieve info I sent 2- Attempted to enter Rehab Program, they discontinued it stating my auto pay from checking account did not pay ( I have check bounce coverage ) 3- Just recently attempted to enter Rehab again, XXXX, when I checked on status was told several different excuses " you sent double W2 's,,,, then we couldnt read your W2, and finally told me I was suppose to pay {$200.00} and I was only paying {$200.00}. when they told me amount and they auto debted from my account. 
4- Now they tacked on another {$30000.00}. without my permission, stating " it was sent to our office because your Son defaulted on his loan,,, ''. I did not sign Promissary note for this and I did not give permission. 
5- I just noticed loan amount in XX/XX/2019 was {$68000.00}, and in XX/XX/2019 it is {$200000.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: World Acceptance Corporation
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I CALLED THE LOCAL BRANCH OFFICE ON TODAY WHICH IS XXXX XXXX,2018 AND APPLIED FOR A PERSONAL LOAN IN THE AMOUNT OF {$300.00} FOR MEDICAL BILLS AND WAS TREATED RUDELY, SNAPPED AT AND DENIED BECAUSE OF MY HOUSEHOLD SOURCE OF INCOME WHICH IS SSI FOR MY XXXX CHILDREN WHOM I AM THE PAYEE.I FELT LIKE I WAS DICRIMINATED AGAINST BECAUSE I HAVE GOTTEN OTHER LOANS IN THE PAST INCLUDING THE RENTAL APPROVAL OF THIS HOUSE WITH THE SAME SSI INCOME.I CALLED THE HEAD OFFICE IN SC ON THE SAME DAY AND SPOKE TO THEM ABOUT THE PROBLEM THAT I WAS HAVING WITH THE LOCAL BRANCH MANAGER AND THEY SAID THAT IT WAS NOTHING THAT THEY COULD DO ABOUT IT BECAUSE EVERY STATE HAS THEIR OWN RULES. I TOLD THEM THAT NOTHING DIDNT SOUND RIGHT ABOUT WHAT THE LOCAL BRANCH MANAGER TOLD ME. THE COMPLAINT IS AGAINST WORLD FINANCE STORE # XXXX /XXXX XXXX XXXX XXXX/XXXX, MS/XXXX/PHONE # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Equifax is inaccurately reporting that the XXXX XXXX was 120 days late in XX/XX/2019 when the balance has been paid in full ( balance {$0.00} for more than 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
In XX/XX/XXXX I reviewed my credit report and noticed several accounts i believe to be fraudulent. I believe these accounts come from one of two security breaches i was involved in the XXXX data security breach of XX/XX/XXXX and the XXXX XXXX XXXX breach of XX/XX/XXXX. i would like these items removed from my report as soon as possible. I am a victim of identity theft and need these items removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
For the past 2 months I have tried to fix my online account to check the status of my Freeze Accounts. When I log into my profile it states under the dashboard selection as " UNKNOWN ''. When I sign onto my husbands profile it brings up two yellow boxed selections : Remove Freeze / Temporarily Lift Freeze. Eventually a TransUnion representative gave me a new File Number which removed the " UNKNOWN '' status but no options to remove or lift a freeze. It was recommended that I speak to the Fraud Dept regarding two error codes on my account. I called that Dept and they stated that there were no errors/no multiple files and suggested that I speak to the Online Support. I called that Dept and they said I had to speak to the Fraud Dept because I had an error on the account. And the beat goes on ... and on ... and on. I patiently followed there instructions but all I get is here is the telephone number ; you need to talk to them! Here are all of the numbers I was told to call : XXXX ; XXXX ; XXXX ; and XXXX. I called these numbers over and over again and each rep has their printed out responses/procedures that do nothing to correct my problem. When you try to explain the situation ; they simply state you need to speak to THIS DEPT AND HERE IS THE NUMBER! It would be very beneficial if all of the Departments were on the same page.

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 2017-09-26
Company: JPMORGAN CHASE & CO.
State: MN
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 customer service

Complaint:
I received a letter datedXX/XX/XXXX from Chase that I have issues with. The letter stated that they immediately sent me a text when there was suspicious activity on my account. That message did not reach me because my carrier rejected it. I did contact Chase on XX/XX/XXXX about this issue. Chase incorrectly stated that they recommend that I update my mobile consent and link my cell phone. This is a false statement by Chase. This was NEVER conveyed to me. Additionally, the statement said I would need to do this to minimize the delay and immediately clear up issues on my account. 
Chase has my phone number. They attempted to text me so why not call me? The number is on file. If there is suspicious activity, should n't Chase want this clear as soon possible and want to get in touch with the account holder? Why not call? Chase also has my email address. Why not send an email? Chase also has a secure message center. Why not put a message in the secure message center about this issue? Chase is be disingenuous about this issue and not taking responsibility for their lack of customer service. 
Finally, Chase state that " as a courtesy '' they issued me XXXX point to cover the 3 % cashback on this transaction. Again, this is a mistreatment. This is not a courtesy adjustment. This is an adjustment to fix an issue that Chase caused. I do n't understand why Chase can not take responsibility for a problem they caused. Please update this on my account record for Chase so that it contains the correct information and send me an updated letter in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2019-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of America closed my account ( XX/XX/2017 ) due to fraud. After the investigation I was told that it was indeed fraud and a no fault to me. However I have been placed in XXXX and XXXX XXXX XXXX because of this.

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 2018-01-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
All requests for a detailed investigation was responded to with bureaucratic filler jargan to deflect from what I was very specific about on my request. I want to give a written request for a forensic audit investigation into ALL CREDIT REPORTING AGENCIES XXXX, XXXX, AND EXPERIAN and the manner in which they Rendered ALL my dispute requests .I am requesting that they provide a detailed Forensic audit of my credit report and investigation of ANY creditor that can not provide written proof of my request for service such as third party Creditor who paid for my debts, accurate date of delinquency " creditor or dept of education and inquiries '' for example I have student loans from 2000 on my report but when i review my credit history it says 2 years. Either completely remove the old info and show only the consolidated report or allow me credit for the number of years my student loans existed and they all MUST be removedcompletely never to be seen and immediately. I want ALL CREDIT REPORTING AGENCIES to remove ALL VARIATIONS OF MY NAME THAT DOES NOT REFLECT A DIRECT MATCH to my court ordered name XXXX XXXX XXXX and match on All 3 Bureaus I request that there be copies of the FORENSIC AUDIT sent to me via email. I reserve the right to file lawsuit against all parties involved that refuse to cooperate fully and truthful with my complete request. This is my final request and attempt to correct and update my " Required Credit History '' THAT CURRENTLY IS CAUSING ME HARDSHIP IN JOB SEARCH AND ABILITY TO ACQUIRE CREDIT. I am a victim of Identity theft as recent as XXXX with several auto dealer inquiries I never applied for " I have a car im paying for '' Lastly I require that ALL THREE Credit Agencies XXXX XXXX AND EXPERIAN REPORT THE SAME INFORMATION OR NONE AT ALL. My next step is to file a lawsuit.

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 2019-07-27
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
To whom it may concern, I am filing a complaint on American Express. On XX/XX/19 I received a letter from XXXX XXXX PA. Attorneys at law claiming to represent American Express. On that letter they claim that I owe American Express {$18000.00}. On XX/XX/19 I wrote a letter requesting certain info including copies of the contact where I signed the agreement regarding this claim. According to the FCRA its there obligation to supply the requested info. On XX/XX/19 I recieved a response from XXXX XXXX PA. There response was attaching many statements and a generic Member Card Services Agreement they didn't include the actual binding contract showing offer and acceptance. On XX/XX/19 I wrote a letter requesting once again for them to send me the actual binding contract showing offer and accpetance with my signature. On XX/XX/19 I received a letter from XXXX XXXX XXXX Basically offering me an American Express Card as long as I would pay {$18000.00} in full. In other words ignoring my request and continuing to try to get {$18000.00} from me without providing any proof that contract. I have attached document in reference to this. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: EQUIFAX, INC.
State: PA
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 in natural person, creditor, and consumer status MAKE OATH AND SAY THAT : I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent to, XXXX XX/XX/XXXX. REASONS : Pursuant to 15 U.S. Code 1681 ( a ) ( 1 ) ( 3 ) ( 4 ) The Congress found that inaccurate credit reports directly impairs the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ; The Congress has stated that you, are a scam pursuant to 15 U.S. Code 1681 ( 2 ) which states : An elaborate mechanism has been developed for investigating and evaluating consumer credit worthiness, credit standing, credit capacity, character, and general reputation of consumers ; The Congress has also stated that you are assuming a vital role in assembling and evaluating consumer credit Pursuant to 15 U.S. Code 1681 ( 3 ). Therefor youre only making pretend youre important or have a vital role without any proof ; Furthermore, The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ; Notice that Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. You, are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XXXX-2018 I was advised by a law firm that my salaries were being garnished in XXXX County, GA, a county I have not lived in for over 23 years. I went to the county 's public records and XXXX XXXX  XXXX, XXXX filed an Affidavit for Continuing Garnishment and for disbursement funds to be issued to XXXX XXXX ( Attorney for Plaintiff ) -Bar # : XXXX, Tel : ( XXXX ) XXXX. 
I have not been notified of this ganishment ; I do not have any outstanding debt with XXXX XXXX XXXX, XXXX. ; the address Portfolio provided to the XXXX  County magistrate court for XXXX XXXX ( my employer ) is false, as it is instead the address of the courthouse in XXXX County. 
All of my outstanding debts are in good standing. It seems Portfolio is attempting to collect on a debt that has either passed its statute of limitations-as it is no longer on my credit report, or one that I do not owe.

Company response to consumer: Closed with explanation