BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: ID
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 Inc. has publicly stated that its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Some XXXX and XXXX residents were also affected. Checking with Equifax directly, all of my personal information is likely to be compromised, including : Name Social Security number Birth date Addresses Driver 's License number Credit card information Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XXXX  through XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 other consumers. 

So far I have set up a 90-day fraud alert with credit bureaus to notify me in the event and fradulent applications are made based on my compromised information. Ultimately, without major credit reform, I will be at a higher risk of identity fraud for the rest of my life. 

Equifax did not utilize appropriate security measures to keep my personal information and identity safe. Furthermore, they were aware of the security vulnerability prior to the date of the actual cyberattacks. It was a gross negligence of personal information management and must be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Credit Karma, LLC
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:
Saturday XX/XX/XXXX I checked my credit score in the morning on credit karma and it was XXXX, the same day in the afternoon my credit score went down 57 point with no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
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:
I recently upgraded a membership on the Equifax website, i called equifax after checking my credit file and noticing my personal information was part of their data breach back in 2017, I spoke with someone at equifax over the phone and told them that it appears a fraudulent suntrust and XXXX accounts were placed in my credit profile report along with inaccurate information including addresses and different spellings of my name. i was told that those fraud accounts and addresses would be removed within 24 hours but they are still showing in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: EQUIFAX, INC.
State: MO
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:
Equifax is reporting late payments on my XXXX account that has a {$0.00} balance and {$0.00} past due. This incorrect information is harming my credit score. I have disputed this directly with Equifax and XXXX and still this issue has not been resolved. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO
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:
XXXX and XXXX are reporting past due on the OneMain account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. I have disputed this directly with the two bureaus and still this has not been corrected. It is impossible to be late on payments that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Add Remarks to the following credit entries on my credit report. 
XXXX XXXX XXXX 1 ) Attempted to catch up on my past due payments in XX/XX/2017, but was told no by XXXX in a rude and threatening way. 
2 ) XXXX tried to use XXXXXXXX XXXX XXXXXXXX of XXXX to collect to past due amount but was attempting to collect a higher amount and violated the FDCPA. 
3 ) The Repossession company they hired breached the peace by illegally entering the house and made demands, they was told to leave immediately. 
4 ) XXXX still charges interest on this closed off account and shows i haven't made any payments before it went in to default status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX and Transunion are reporting past due on the XXXX account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. I have disputed this directly with the two bureaus and still this has not been corrected. It is impossible to be late on payments that have a {$0.00} balance and {$0.00} past due.

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 2021-09-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone broke into my house stole my XXXX my wifes belongings and other valuables. The thief also XXXX himself {$500.00} twice and the bank is refusing to reimburse my money if tho it was clearly fraud.

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 2018-07-31
Company: LDF Holdings, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have repeatedly asked XXXX XXXX XXXX to contact my attorney XXXX XXXX to work out payments since I have retained his services to settle my debt. Instead they keep calling and harassing me. Insisting that if I don't take care of this now they will speak with my employer. After telling them on numerous occasions that I will lose my job if they contact me at work they still contact me. I have an attorney they can speak with but they insist on harassing me not only at home but at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX I received an auto generated email with this company in regards to opening or attempting to open up an account with Citibank. I received an email saying that it was processing - Im not sure if its going to get denied or approved bc the email I didnt request told me it was processing the application. Additionally I have identity protection on my credit bureaus so this shouldnt have run at all. Without someone calling me. 
If this hard inquiry doesnt get reversed then I will continue with an attorney in my company. I already have a card OF yours I dont need a new one and my ex has been pulling a lot of nonsense on his end.

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 2018-03-12
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
After 2 years of using the credit card, US Bank closed my card without explanation. XXXX XXXX. requested additional information ( social security card, driver license, business license ) which he received but on XX/XX/2018 my account was closed without explanation about what additional information is needed. The account was closed because " bank doesn't feel like it ''.

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 2022-01-07
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX 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 2017-09-21
Company: JPMORGAN CHASE & CO.
State: CA
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:
On XXXX/XXXX/XXXX, there was a XXXX charge of {$100.00} to a merchant that I 'm currently disputing with. This was for a service to modify XXXX on a XXXX XXXX XXXX to enhance the lightning bolt glow. Unfortunately, this merchant never worked on these expensive XXXX before, so he drilled unnecessary holes which can be seen from the outside of the car and made the lightning bolt very tacky. Also, he did n't know how to wire the XXXX so the lightning bolt was " always-on ''. It made these expensives XXXX ( $ XXXX XXXX look like {$200.00} home-made job. The merchant wanted me to leave my car overnight so he can fix these XXXX, but because this car is expensive and he had no insurance, I did n't feel it was right to leave my car there. What happens if my car was vandalized or broken into? The merchant worked out of a garage and neighborhood was a lot less to be desired. Basically, my car will be a guinea pig. 

I then decided to take my car to a different shop who have worked on these XXXX before and get the job done properly. 

I opened a dispute with XXXX XXXX XXXX for this {$100.00} charge, and they ruled in the favor with the merchant, even though I provided a detailed letter as requested by XXXX from the other shop explaining what the issues were and what was done to rectify them. The Customer Service XXXX told me they needed a detailed letter explaining what the issues and what were done, but still they ruled in favor with the merchant. 

I had never encountered such a dramatic bad experience with any credit card lender and will not be using XXXX credit cards anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I write regarding the closure of my capital one credit card on XX/XX/2020. On XX/XX/2020, I learned that my card was restricted due to fraudulent activities and someone from Capital One would be in-touch to inquire. On XX/XX/2020, I contacted Capital One and was transferred over 6 times to different people and received no help. Finally, I learned that my account was closed due to two payments that were returned. I have my monies transferred to XXXX XXXX, which I then transfer to XXXX XXXX ( I am in-process of home shopping and I use XXXX XXXX for saving purposes ). Due to COVIS-19, branches are very limited and staff members have been impacted, which has affected the way I transfer my money. 

When I learned both times that my monies were returned, I immediately contacted Capital One and verbally/clearly explained the issue. I even asked the representatives to process another transfer so the payments could be extracted. I also wanted to note that pre-COVID-19, my payments were on time, in-full, every month. 

Today, XX/XX/2020, I contacted Capital One, once again to speak to someone who could help, but was once again transferred over 4 times. Since all calls are recorded, someone in Leadership of Capital One can verify. I am asking that my account please be re-opened. I am preparing to purchase my home and my credit score has dropped 45 points and I worked too hard to let this happen. I opened this secured credit card to build my credit, which I have been doing -- I have an exceptional payment record with Capital One. I would like a reversal because I am being negatively impacted, I have done my due diligence to resolve this matter but have received no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: HW Holding, Inc
State: AL
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:
This year out of the clear blue I received a letter from Hunter Warfield Inc a debt collector. I have never heard of these folks I have never had a contract with them nor ever gave tne consent to have my personal private information. They are reporting fraudulent information on my credit report and i want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: 1st Franklin Financial Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

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 2019-02-19
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:
showing inaccurate information on credit report ftc violation and fair lending act filed FTC

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 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Bankruptcy address shown on report I never live there. Wrong 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 non-monetary relief
Consumer complaint received 2018-07-31
Company: SYNCHRONY FINANCIAL
State: MD
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 called PayPal Credit ( Bill me later ) on XX/XX/XXXX to get my balance on my account. 
the customer service rep told me that my account has been closed because i filed bankruptcy and that they mailed me a check back in XX/XX/XXXX in the amount of {$1800.00}. I told them i never rec 'd a check and i had already paid them another $ 500- {$800.00} since then, depending on when they did there audit on my account. 
I asked where have all my payments been going since i am paying on my account shouldn't i have a credit on my account? No, because my account is closed. No one can tell me anything. Nor help me. Pay pal owes me a couple thousand dollars at this point. 

i asked them to look at the check they mailed me i never rec 'd it NOR cashed it. To asked that the check be stopped and to send me a new check ALONG with doing an audit on my account to see how much more they owed me since i have paid several hundred dollars more. I was never notified that my account was closed and to no longer pay them anymore. 

I have been calling several times over the past 2 weeks and no one can seem to help me, they just say that they have a " case '' in and that it has been transferred to the back office but the " back office '' does not have a phone number nor can i be transferred to anyone.

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 2018-07-31
Company: Phoenix Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Phoenix Financial Services began contacting me about a debt that I believe has been paid to a different creditor. I have explained that I am in the process of attempting to validate this debt with the original creditor and to please stop calling me. Since then, the have have called me repeatedly, as often as 4 times in a single day or more. 

When I answered to find out who they are and why they keep calling and explained that I can not verify or validate this debt the man who called me hung up on me.

I have spoken with the original creditor ( a hospital ), and they do not have a record of this debt or a record of the debt being placed with Phoenix. As I can not verify that this is a legitimate debt I will not give Phoenix any money. 

They have called me from : XXXX at XXXX XXXX ( 2xs in a row ) on XX/XX/2018 XXXX at XXXX XXXX ( 2xs in a row ) on XX/XX/2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a new customer of UWM. I was notified by my insurance agent that my homeowners premium was only partially paid by UWM. My insurance agent and I both attempted to contact UWM multiple times to have this resolved and were unable to make contact with a single person at this company. After a week of XXXX contact, I reached out to my loan officer ( who does not work for UWM ) to request a different method of contacting this company. My contract stipulates that my premium would be paid in full by UWM. I do understand that mistakes happen, however, the inability to even contact a company representative or have an email returned is absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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 discovered that an account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified without providing any proof within the time frame specified by law. My credit report includes this erroneous account that needs to be investigated and corrected : XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: EQUIFAX, INC.
State: MO
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:
Equifax and XXXX  are reporting past due on the XXXX account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. I have disputed this directly with the two bureaus and still this has not been corrected. It is impossible to be late on payments that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National Credit Adjuster fail to provide me with the original contracts Title USC 1681 ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: WELLS FARGO & COMPANY
State: AZ
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:
Wells Fargo is reporting a fraudulent debt on my credit report. I am not sure if this is something opened by Wells Fargo ( we all know about that ) or if it was opened by an identity thief not associated with Wells Fargo. What I do know is that from viewing my credit report it looks like it was immediately maxed out and then never paid. 

I have filed a new identity theft report ( see attached ).

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