BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: AZ
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 including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach inXX/XX/XXXXthat they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach and covering the cost of any fraud that this may cause. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: DE
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:
Exquifax stored my personal information on an unsecured unencrypted server which led to theft of my personal information due to hackers

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:
I was told via Equifax 's website that I may have been affected by the giant security breach that was reported on XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
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:
XX/XX/XXXX, of this year I sent in a letters to XXXX, XXXX and Equifax about incorrect items on my credit report. Due to these incorrect items on my credit report. I have been unable to obtain credit or get a new job. This incorrect information reporting has harm my life and credit. It has been 30 days without a response from the bureaus. According to the law their suppose to reply within 30 days which they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Experian Information Solutions Inc.
State: NC
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 filed a dispute with Experian to investigate a few accounts that were not reporting correctly on my credit report. They were XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. After the first dispute was returned with errors not corrected I took the time to write a detailed dispute letter for each account in question. I included full credit reports that highlighted the errors. I received the results of the dispute back today and Experian still failed to correct the information. In fact they refused to even investigate XXXX XXXX XXXX XXXX even though I gave them new documentation from my financial institution. They say they investigated XXXX XXXX, but that date of status reflects XX/XX/2017 meaning they didnt do what they said. The XXXX XXXX account remains inaccurate and none of the questions raised in the dispute were answered. Experian has failed to meet their obligations under the Fair Credit Reporting Act so I am filing a complaint against them.

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 2015-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I would like to file a complaint against Bank of America. In XX/XX/XXXX, they informed me that my second mortgage, currently a payment of $ XXXX will increase to $ XXXX come XX/XX/XXXX ( this will be over $ XXXX more to budget ). I immediately took steps to try and work with Bank of America, since this increase is absurd and will be a hardship on me and my family. 
After XXXX months of filling out paperwork and speaking with countless service reps to get help, Bank of America informed me that the only solution they could offer me was to short sell my house ; not the better rate or combination of XXXX and XXXX mortgages I was lead to believe to be a viable solution. 
I can not believe that they would treat a good, long time customer like this. I have n't been late or let my mortgage lapse ever.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
XXXX To whom it may concern, As I was checking my accounts this morning, I noticed a charge on my capital1 card. This card is locked with a {$0.00} balance. It turns out I was being charged {$22.00} in interest. But how can I be charged interest on a {$0.00} balance. I called the company on XX/XX/2022 around XXXX eastern time. The agent plainly said she could not remove this transaction for me to pay. Even after going over the dates, she just brushed off as irrelevant : you have to pay. I asked to speak with the supervisor who echoed the previous reply : pay. It was my understanding, if you pay off your balance before the cycle ends, there are no interest charges and no payments due. 

Here are my numbers : XX/XX/2022 - XX/XX/2022 cycle Balance owed : {$1300.00} Balance paid : {$1300.00} [ XX/XX/2022 ] Balance new : {$22.00} ( due XX/XX/2022 ) I appreciate your dedication to this matter and looking forward to any response. 

Sincerely, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
On XXXX XXXX, 2017, I became aware of a security breach where consumer data held by was compromised. Upon reading the news, I followed links to Equifax 's security website that was handling consumer inquiry about the breach : w
ww.equifaxsecurity2017.com On this site you would enter your name and the last 6 digits of your social security number, and you would be notified immediately if your data may have been compromised. WHAT I DID N'T KNOW is that Equifax had hidden Terms of Use for using th
is service that included waiving my rights to file lawsuit for damages and join in any class action suit against Equifax.
Upon using the service, I WAS NOT ASKED TO ACCEPT ANY TERMS OF USE. They were hidden behind an incredibly small link, and it was unclear what terms of use - if any - actually were when using the service.
This is absolutely unfair and strikes me as fraudulent and negligent. Upon being breached, this company has a duty of care to notify consumers if their data may have been compromised. Instead, they have hidden this knowledge from consumers where they can only access it if they waive their rights. Consumers should be protected from such coercive and opportunistic tactics.
I believe that Equifax knowingly and willfully advertised this service with the intent to deceive consumers and to take advantage of their panic to coerce them into waiving the rights afforded to them by the CFPB and other regulating agencies.

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

Complaint:
I was notified on XXXX/XXXX/XXXX by the website that Equifax set up that I was potentially compromised in their recent security breach. I have not enrolled in their ID monitoring service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Credit & Collection Recovery Services, Inc.
State: AL
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 reviewed my credit report and I have found several inquiries that are fraudulently incorrect. I have reported an identity theft as of XX/XX/XXXX, Disputing accounts that are on my credit by several different companies all who are named in this complaint. I would like to file a complaint against these companies due to the fact that I have previously told them that this is an identity Theft. also the fact that they continue to sell this debt to debt collectors. As a result, my credit report has been severely impacted because they are the only items reporting negatively on my credit report. I have also filed a report with the FTC identity Theft website due to the fact that these bills are not caused by me! I checked my credit report in XXXX of XXXX and saw that these dates have been added to my report I would like these items removed once and for all from my credit report! 

Companies reporting fraudulently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have submitted my remittance coupon to the credit card company according to UCC 3-603, Tender of Payment, and they have refused it and have not returned the coupon to me either which would mean that the coupon was accepted by them and the debt is now discharged and I should have access to use my credit card. This is discrimination toward me.

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 2021-08-26
Company: Aldous & Associates, PLLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ON XX/XX/2021 i filed a CFPB complain with the complaint number XXXX-XXXX  because there was an alleged debt being reported on my consumer reports. I sent the company a cease and desist and also a debt validation letter the company responded saying they have requested the documents from the original creditor. I received mail from the company a couple of days ago they sent me a membership agreement between me and blink fitness, Under the FDCPA this does not meet the requirements of validating a debt so I demand that this unvalidated debt be removed from my consumer reports immediately. Also pursuant to 15 USC 1692G as the original creditor only I can validate a debt and I do not validate this debt. I also found a couple of violations in the letter they sent me attached with the rental agreement which is a {$1000.00} per violation the alleged debt is for a {$130.00} it will cost you way more to keep trying to collect on this alleged debt than to remove it from my consumer reports and XXXX out the balance because I am a federally protected consumer and I know my rights and power I am prepared to go the distance if this issue is not resolved immediately. My next action if I dont get my desired outcome is to send an invoice for all the violations I found and also sue you in court for it and also for defamation of character my credit report is a reflection of my reputation and you are damaging it the ball is in your court now

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 Security Breach of 2017 ; confirmed to be affected via www.equifaxsecurity2017.com I want to file a complaint against Equifax for their lack of security and delayed reporting of security breach and loss of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
I have had this card beginning approximately XX/XX/XXXX. There have been two balance transfer 's as well as purchases throughout. I have been steadily and relentlessly been charged various of fee 's for various reason 's. Whenever i have called Capital One to try and understand how these fee 's were calculated, all I was ever able to understand was that it was too complicated to explain to me. I have wasted probably over 100 hours of phone time and an equal amount of time trying to read and understand the ever changing terms and conditions in the monthly statements. 

Based upon the spreadsheet I have created, Capital One is charging me {$900.00} in various fee 's. WHICH I DISPUTE. 

I have attached all my Capital One statements for the years XXXX, XXXX, XXXX, XXXX and XXXX thru the XXXX statement. I have also attached my spreadsheet which summarizes my entire history with Capital One, Month by Month with a running balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2018-07-13
Company: WELLS FARGO & COMPANY
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:
Company accessing my credit report without my consent and also charging fees for using their ATM Machine

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 2021-03-24
Company: National Credit Adjusters, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Inaccurate payment history reporting, Inaccurate amounts owed, reporting different amounts on all three credit reports. Reporting as pass due on a collection account. Account being reported charged off and paid on time simultaneously in the same month. Account reporting as collection and charge off simultaneously from two different companies. I disputed this account twice and it still returns as account verified even after sending documents and copies of my credit reports showing the inaccuracies and violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted three certified dispute letters to the three credit bureaus disputing two unverified accounts appearing on my credit reports. The two items in question on my credit reports are, XXXX XXXX XXXX and US Dept Of Veterans Affairs. In the prior responses from the credit bureaus they were all basically stating the statuses reported were " accurate or verified. '' On XXXX XX/XX/2019, I submitted the fourth and final dispute letters to the credit bureaus prior to submitting this complaint to the CFPB. 

I received a response from XX/XX/XXXX and XX/XX/XXXX in the mail around the XX/XX/XXXX, a credit report from XX/XX/XXXX and a letter from XX/XX/XXXX ( I misplaced the letter and it is not include in this complaint. ) I received the response credit report from Trans Union on XX/XX/2019. But, all the letters are typically stating the items were verified as accurate. I find that assertion to be inaccurate due to the fact that under the FCRA, the credit bureaus are required to have a copy of the original creditors documentation on file to verify the information on my report is mine and correct. 

In the investigative results from the credit bureaus, they stated in writing they " verified '' the items were being " reported correctly. '' Who verified these accounts? I have not been provided a copy of ANY original documentation ( a contract with my signature on it ) from any of the disputes I sent to the three credit bureaus! This is a violation of Federal Law under the FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A. ) The credit bureaus have also failed to provide me the method of verification as required under Section 611 ( a ) ( 7 ).

The law is very clear in that the credit bureaus are required to " promptly DELETE all information which can not be verified, as per Section 611 ( 5 ) ( A ) of the FCRA.

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 2022-02-11
Company: Experian Information Solutions Inc.
State: NY
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:
The debt is not valid as verified by court document

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 2022-07-12
Company: AmeriHome Mortgage Company, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX purchased my new mortgage from the initial bank. When my wife had to call they wouldnt let her speak about the mortgage without my approval even though she is on the loan. As a result of incorrect information we were charged a fee they didnt delete. Someone from the presidents office called and told me it was a third party call center and confirmed all the information I wrote here. We had no choice to work with this company and they admitted giving bad information and treating my wife incorrectly. It sucks having such a poor quality company buy my loan and force me to deal with this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: CORELOGIC INC
State: IL
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:
Since in the previous responses ( XXXX ) the company did not provide me with the documents that I requested, please draw your attention to my complaint again. 
There are unknown hard inquiries on my credit reports. I requested for the verification of the inquiries and the method of verification. These inqueries belong to the TELETRACK, XX/XX/2020, XX/XX/2020. For the first time no response came in 15 days. The company did not provide the following proof : Permissible Purpose, My written authorization, Proof that I personally initiated these inquiry.

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