BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Maximus Education, LLC dba Aidvantage
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
In XX/XX/XXXX I filed for bankruptcy. I was also told that some loans would not be covered in the bankruptcy, but reading this particular article where you have settleed a lawsuit against navient in XXXX. And since I filed in XXXX. Does that qualify me to have my loan dismissed? They were subsidized. 
I was just wondering.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
My Direct Deposit was sent XX/XX/2018 to XXXX nothing has changed, and nothing is wrong with my account. I have continuously contacted Netspend and they continue to tell me yes they have a scheduled direct deposit available for Netspend since XX/XX/2018 - It is XX/XX/2018 and they are telling me that XXXX has issues, and has not released funds to them, and they can not release the direct deposit funds, and there is no further explanation and I have no paycheck, no explanation no money and I have bills and medical things to handle and am very scared. This has to be a Theft of Services and I need my paycheck. XXXX Check # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Americans express are not processing my credit card dispute and have overcharge my credit card. 

They are sharing with me that the balance is not due but is reporting an inaccurate information with the credit bureau regarding my balance due that is under dispute. And hasn't provided any disputes resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Chase sent me mails dated XX/XX/2018 stating that they cancelled all my credit cards as they see too many requests for credit. There are 7 credit card accounts in total they closed and 6 of them have annual fee. As Chase cancelled these cards on their own, not on my request, i requested them to refund the annual fee charged since i haven't utilized all the benefits of the credit cards for the full year. However, Chase refused to refund the fee and was not able to provide their terms and conditions that would allow them to keep the annual fees in case of account cancellations by Chase. I request you to refund the annual fee on my 6 credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: WA
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 Equifax credit breach is well known. Equifax is located in XXXX, GA, and I have confirmed that our personal ( extensive ) information was involved in the hack that stole this information. I refused to participate in their protection program after the fact, since it required us to give up court action as a remedy. 

As a result, I have signed up for a mid-level XXXX monitoring program, at a cost of {$43.00} per month. My wife and I are both XXXX, and her family has a history of living into their late XX/XX/XXXX. Therefore, 20 years of this credit monitoring will cost {$10000.00} -- without providing for any price increases over the period. This is a substantial, unbudgeted expense for our fixed incomes. It was necessary to protect the modest assets we own. 

I want {$10000.00} from Equifax to cover this expense. I do not want to participate in a class action suit in which the attorneys walk away with millions and I get a check for {$5.00}. I want {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 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 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 2021-04-09
Company: EQUIFAX, INC.
State: NJ
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:
I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged Account. The status is reporting late along with showing a monthly payment on a CLOSED account. I find that strange since I don't recall being late. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well different open/close dates. Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is being serviced thru Rushmore mortgage. Looking at my escrow they are adding a additional 3+ months worth of taxes insurance and PMI which is causing me to pay higher monthly payment. I was told by law they can only hold 2 months worth currently they added a additional XXXX to my escrow but should only be XXXX. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, 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 got a copy of my credit report. I notice unauthorized inquiries was placed on my credit report. I did not consent to, authorize, nor benefit from any of the following Inquiries. Block and remove them immediately Under 15 U.S. Code 1681c2. Under 15 U.S. Code 1681a-2 my reputation is ruin because there are inaccurate inquiries reporting on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have several accounts that were not mine. Not even my name. Transunion, XXXX  have allowed these people using wrong names to add to my credit report along with wrong addresses and I have already went to the companies and they are all fighting with me to remove them. I have had to fight XXXX along with 9 hard inquiries the companies XXXX  and transunion keep saying verified. XXXX has deleted them. I have spoken to all these places and they did agree to remove them yet none have been removed when I disputed them. Had they actually investigated these they would have been removed. I have requested both places to send me all verification info and also the information for the companies verifying them and have recieved nothing. I am a victim of identity theft from applying for credit and also even having collections account for XXXX and also XXXX even a XXXX XXXX that was not even my name. addresses not mine and these companies had they verified the 3 things as they are suppose to then this would not be happening. My contact info is XXXX XXXX XXXX. Please get in contact with me. on both Bureaus there are 9 fraudulant inquiries and they absolutely refuse to delete them. I can not even protect myself under the FCRA because they do not follow these rules.

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 2022-01-06
Company: EQUIFAX, INC.
State: IN
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 paid two accounts In full they reached out to equifax telling them to delete it I also have the email stating it was going to be deleted this was in XXXX of last year and its still reflecting on my report hindering my credit I also sent this to equifax disputing this on my credit report which is still on my report and they arent removing it which is a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: PNC Bank N.A.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I spoke with PNC Bank today, XXXX XXXX. My problem is with the escrow account. I am exempt from property tax for XXXX and XXXX. My current escrow balance is {$1500.00} and I have been paying an escrow shortage of {$11.00} since XX/XX/XXXX. They have escrowed money to pay a tax bill that I don't owe, and yet they will not refund me the unused portion. Also my next payment due XXXX first still shows a full amount for property tax and the {$11.00} escrow shortage. I don't think it's fair to keep my money and not send me a refund, and I don't want to keep paying for an escrow shortage that does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: AVANTE
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a federally protected consumer and Avante USA has violated me under the provision of 15 USC 1692. Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
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 got a copy of my credit report. I notice unauthorized inquiries was placed on my credit report. I did not consent to, authorize, nor benefit from any of the following Inquiries. Block and remove them immediately Under 15 U.S. Code 1681c2. Under 15 U.S. Code 1681a-2 my reputation is ruin because there are inaccurate inquiries reporting on my file.

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 2021-02-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I AM XXXX XX/XX/XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XX/XX/XXXXand XX/XX/XXXXneed to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The recent XXXX data breach means that almost every adult American must now lock or restrict their credit for in indefinite period of time.
Agreeing to XXXX free credit monitoring service forces consumers to waive their right to sue Equifax.
When I attempt place a credit freeze on the XXXX web site the system simply responds that it can not process her request at this time.
Every day that this condition continues the risk to all consumers increases.
This situation ultimately causes financial harm not only to consumers but to the entire US economy.
If consumers ability to acquire credit is hindered because of the failure of an organization to protect the data of those consumers ( whom never gave consent for that data to be collected in the first place ) is harmed, it will extend to the larger economy.
Adding insult to injury, news reports suggest that members of the XXXX board of directors sold their shares of company stock prior to public disclosure of this breach. 
Ultimately this calls into question the future of regulation of the entire credit reporting and data collection industry. 
I implore your team to consider launching an inquiry into the viability of legal action to protect and compensate consumers and to protect the economy in general.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: SLM CORPORATION
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I have a XXXX and can not make good judgments. I had a student loan taken out around XX/XX/2022. The University in question used aggressive sales tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
So I have spoken with the debt collector in the past but am unable to pay on it. They have since reported a debt that is over 7 years old on my credit as a new debt. It is showing that it was opened in XXXX of 2019 on my credit report which is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: CITIBANK, N.A.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I attended XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I received private student loans from Citibank. Citibank sold some student loans to XXXX XXXX XXXX who I am currently making payments to. Citibank never notifed me about what was done with the remainder of my student loans nor did I receive any correspondence, even that they had or were selling my loans. Citibank has since placed a chargeoff of {$11000.00} on my credit report. No one is able to help me or transfer me to someone who can help. I never received notice that my loan was chargedoff. I have no idea where to make payments or any other information.

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 2023-09-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: MUFG AMERICAS HOLDINGS CORPORATION
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: Information belongs to someone else

Complaint:
There is an account open from UNION BANK in my name which i never opened and i would like deleted from my consumer report and to stop being reported to XXXX The information linked to this account is a phone number which does not belong to me XXXX and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX which is not my address. This account was opened XX/XX/2017 and was closed XX/XX/2017 and still has not been removed from my consumer report despite it being fraudulently opened without my permission.

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 2018-04-17
Company: SYNCHRONY FINANCIAL
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: Old information reappears or never goes away

Complaint:
XXXX XXXX IS REPORTING A ACCOUNT ( XXXX ACCT # XXXX ) TO XXXX THAT IS STILL SHOWING DERROGETORY INFORMATION THAT SHOULD BE DELETED FROM MY XXXX  CREDIT REPORT.

THEY SOLD THE ACCOUNT TO XXXX XXXX BUT NEVER DELETED THE ACCOUNT WHEN THEY SOLD THE ACCOUNT. THIS ACCOUNT WAS SOLD TO XXXX XXXX  ON XX/XX/XXXX. SEE EXHIBIT ( A ) ATTACHED.

ON XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX SENT DELETION NOTICES TO ALL CREDIT REPORTING AGENCYS TO DELETE THE ABOVE ACCOUNT, ATTACHED IS EXHIBIT B & C TO SEE THE LETTERS OF DELETION TO ALL CREDIT BUREAUS.

I CONTACTED XXXX, AND THEY STATE THAT ITS UP TO XXXX XXXX TO REQUEST THE DELETION OF THE XXXX   ACCOUNT # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TIDEWATER FINANCE COMPANY, INC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
This is a scam. XXXX XXXX approached me on XXXX XXXX for Real Estate FUnding. I was approved for a loan but he wanted me to send {$2400.00} to a student at the University of XXXX  and gave me her personal account number. I have not done so. His email address is XXXX. At fist he gave me his work email but his work email is XXXX. His phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: FC HoldCo LLC
State: OH
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:
On XX/XX/XXXX I purchased a new vehicle from XXXX XXXX  of XXXX, the dealership was supposed to pay off the account in totality for my XXXX XXXX XXXX and they did in the amount of {$13000.00}. The account Flagship Credit Acceptance is still reporting to my credit and I do not understand why it does not say paid off as of 2 years ago.

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 2022-10-05
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: Credit inquiries on your report that you don't recognize

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 's 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, 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 response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries were for no legitimate business purpose. This is a violation of the Fair Credit Reporting Act and a serious breach of my privacy rights.. please delete this misleading information XXXX XXXX, 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