BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed a temporary credit freeze with experian to protect by identity. I have been attempting to unfreeze it using the Pin number experian originally provided when I place the freeze. However it does not work. I have been spending hours navigating the website and tried calling the number provided. There is no ability to speak with someone on the phone and the options to navigate through the website or phone options were not fruitful. In case I am using the wrong userID or password, I asked to have it reset but Experian then asks for my birthday and social security number to verify my identity. It says my social security number and birthday do not match ( which they do! ). 

The other two services- XXXX and XXXX took 30 seconds to unfreeze. I have been spending four hours to unfreeze Experian and I am not able to. 

Unfortunately I have not been unsuccessful and I was attempting to open a new store card to purchase merchandise to take advantage of sale offer and it has now expired because I could not get this temporary freeze lifted.

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 2022-09-04
Company: Experian Information Solutions Inc.
State: CT
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 I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 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 2017-09-08
Company: EQUIFAX, INC.
State: VT
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:
After checking about potential impact of Equifax data breach, I was notified that my personal sensitive information may be compromised. I would like to report this agency, Equifax, for allowing this to happen. There should be consequences in order for future protectors and users of our personal information to be responsible and held accountable for not adhering to best practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See attached documents, the personal information you are reporting are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-16
Company: General Motors Financial Company, Inc.
State: NV
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:
XX/XX/XXXX XXXX XXXX, XXXX pulled my credit report for a loans/and OR, Credit cards for someone using my Identity to apply for a Loans or Credit. On XX/XX/XXXX I filed an Identity Theft report, and Police Report with my local police department XXXX XXXX XXXX police department, because I got alert that someone had opened, different credit lines in my name without me knowing. 
Someone was using my Identity to apply for loans and, lines of credit online. There were over seven accounts opened, and over 18 hard inquires. I reported everything right away to all three credits companys, XXXX, XXXX, XXXX,. A alert was supposed to be put on my credit reports for 90 days. 
From XX/XX/XXXX to XX/XX/XXXX. However, whoever is using my social security number has been still trying to get credit in my name. I spoke to ( XXXX XXXX, XXXX ) and they could not release information because some of the information did not match what I what information I had. 
However, they still put a Hard Inquiry on my XXXX, and XXXX credit reports. on XX/XX/XXXX a total of three times in a matter of a three-month span time. 
As of today, I have contacted Social Security Administration, and have a appt to get a new social security card this does not keep happening. This is affecting my credit and, I take my credit serious. I am shocked, and still shocked as, to how this is has happened, and it has taken me almost months so far to try and, clean up my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax 's databases were left unsecured and my information was stolen by hackers. My identity has now been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-09-23
Company: BMW Financial Services NA, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with BMW FIN SVC. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments were posted but no successful resolution. There was definitely an error on their part. Please report the payment status positive and update all late from reporting on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
So today on XX/XX/2019 my account was suddenly closed without warning. I usually get text notifications when my mom 's coworker 's send money to my account. They do this because my mom has no idea how to work technology so it is easier for her coworkers to send me the money and take it out of the atm. I had been doing this for quite a while now and there had never been any problem until today. So today I received a text that said I would no longer receive notifications for any quick pay transactions. This worried me and so I logged into my Chase account and it said my account would be closed due to " suspicious activity ''. Since today was pay day for my mom and her coworkers I had about 6 quick pay transactions go through to my account before it got closed. After failing to log into my account through the Chase app, a number was given to me to call in order to inquire about my account. So I called XXXX XXXX in order to find out why my account was closed. After talking to a representative the only thing I was told is that they are not allowed to disclose the reason for closing my account and that my money would be sent as a check in the mail and that I would no longer be able to be bank with Chase again. They asked for my debit card number since I do not remember my account number. After the phone call I received an email that said the phone number on my account was deleted. I started to get suspicious so I went to my nearby Chase bank and asked about it all. I was told the same thing that was told to me in the phone call and left after being told that my money would be sent in the mail as a check. I would like to note that there was no prior warning to shutting down my account as I was able to make purchases and access my account one day ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax had a security breach and as a result i have become victim of identity theft. My credit card number was stolen to used to attempt to make purchases without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04
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 account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2017-09-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax mishandled my personal information, allowing it to be used freely by criminals. Instead of spending money to properly secure the data, they elected to shift more money to profit. 

Not only did they mishandle the information, they failed to notify me. Instead I found out from a third party through social media. 

Not only did they mishandle the information and fail to notify me, they tried making more money off of me. Trying to get me to pay for their credit monitoring services. This seems like some sort of mafia protection racket.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ON XXXX/XXXX/XXXX I learned about a cyber-attack on Equifax. According to Equifax, I may be affected by this hack, meaning that I may become a victim of identity theft due to Equifax inability to secure my personal information. They offered to provide a identity monitor service, but at the cost of giving away my right to participate in a class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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: Reporting company used your report improperly

Complaint:
XXXX XXXX opened an account around XXXX, XXXX. They are reporting a balance of {$3700.00} on my credit. They have a company called XXXX XXXX collecting. 

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that the credit bureaus didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2021-09-23
Company: EQUIFAX, INC.
State: MA
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:
Hello, Few months ago I realized there was incorrect accounts on my credit report, accounts on charge off status with incorrect information and a few other issues. I investigated and sent letters to the credit Bureaus it has been more than two months and they didnt answer and I checked my credit report and all this incorrect information its still showing on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Avant Credit Corporation
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I have a small personal loan to build my credit through Avant. I had a previous account with them and had no problems. On XX/XX/XXXX, I scheduled for them to take out a payment of {$1000.00}. They never took out the payment, and with moving a bunch of money around to pay my student loans I never noticed. My payment schedule on the website said that I did not owe a payment until XXXX of 2019. However, apparently this was taking into account the payment that was supposed to be taken out of my account. When they did not receive payment, they did not update my payment schedule to reflect that, so i was laboring under the impression that everything was fine. I am also set up on autopay to avoid any problems. On XX/XX/XXXX, I received an email stating that I owe a payment of {$.00}. I also received emails on XX/XX/XXXX and XX/XX/XXXX which all stated that I owe a payment of {$.00}. Obviously, I ignored them because they said that I owe XXXX dollars. However, on XX/XX/XXXX I received an email stating that I have a past due amount of {$180.00}. Now, obviously because the original payment of {$1000.00} was never actually taken out of my account, I do owe the money that they are charging me. However, I feel like I did my due diligence and that they are acting unethically. I scheduled a payment, as I was supposed to, and the money was in my bank. I never received any notification stating that they did not receive payment. I have my account set up on auto pay for all payments. My entire account shows that I do not owe money until XXXX. I spoke with someone on the phone, who basically said there was nothing she could do, I had to pay the amount, that it would be considered past-due ( obviously affecting my credit score ), and that even though my payment schedule is incorrect I still should have made the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Affirm Holdings, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have sent a total of 23 emails and filed 21 disputes on affirm as they have illegally, fraudulently refused to acknowledge the refund confirmed received from the merchant on XX/XX/2022 for XXXX XXXX loan # XXXX. I attached evidence of the refund from XXXX XXXX 23 times. 
Affirm actually responds by repeated formatted bot emails stating there was no refund issued. Then they have actually closed all the disputes. Of recent they do not even respond, now they automatically close them after I open them. I am astonished at the utter criminal activity of this Affirm preying on the vulnerable and taking advantage of them, and in the process ruining peoples credit. 
How does a company dispute hard evidence that a merchant refunded the full amount? Only a company like affirm. What is sadder is the CEO was heard stating how he started this to help the disadvantaged build their credit. Obviously he meant ruin their credit. 
How this company stays in business is beyond me. Its truly shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Consumer Portfolio Services, Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
In XXXX of 2018, I was 1 month post bk, and needed a larger car for my family. I purchased a XXXX XXXX minivan used. I was approved through CPS. At the time of my signing at the dealership, I was not told the specifics of my loan, just given the general terms, months, interest rate, due date etc. It was noted a few months in that CPS operates under a daily interest rate on top of my APR I was told. My payments are XXXX a month. To this date I have paid over XXXX in interest and XXXX in principal. I still can not figure out how payments are posted because I was given an amortized scheduled in terms of what should be applied to interest and principal. That is not happening most months the payment are applied to all interest or may be $ XXXX to principal. I have made payments of XXXX since XX/XX/2018. My starting balance was XXXX, payoff is XXXX. You do the math. Its about 10 months of payments. If you do the math only XXXX has went to principal. How is that legal what they are doing. I would like to have their practices looked into because that is my hard earn money and they are taking it and not applying to what I signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Fidelity National Information Services, Inc. (FNIS)
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:
CHEXSYSTEMS VIOLATED FEDERAL LAW AND MY RIGHTS. Please read attached document to view my complaint. Also attached is my proper identification and recent consumer report. I demand a response within 15 days upon receipt of this complaint in writing and via MAIL.

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 2022-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I never apply for capital one bank I send a letter to crediter and Credit report stil not remove I never apply

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22
Company: EQUIFAX, INC.
State: WY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611

Company response to consumer: Closed with explanation