BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-09
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: Investigation took more than 30 days

Complaint:
XXXX is furnishing false, manipulative, deceptive letters stating to me ( the consumer ) that XXXX has removed items disputed ( Bankruptcy Case # XXXX, XXXX & XXXX from my file however, XXXX & Experian confirmed that all items furnished on my credit report remained that is furnished from the third party XXXX. In addition, XXXX, Experian & XXXX refuse to furnish me updated documentation of my file displaying items disputed were removed Moreover, XXXX will NOT furnish documentation that my file is permanent on freeze & suppressed.

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 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX is furnishing false, manipulative, deceptive letters stating to me ( the consumer ) that XXXX has removed items disputed ( Bankruptcy Case # XXXX, XXXX & XXXX from my file however, TransUnion XXXX XXXX confirmed that all items furnished on my credit report remained that is furnished from the third party XXXX. In addition, TransUnion, XXXX XXXX XXXX refuse to furnish me updated documentation of my file displaying items disputed were removed Moreover, XXXX will NOT furnish documentation that my file is permanent on freeze & suppressed.

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 2017-09-09
Company: EQUIFAX, INC.
State: PA
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 the recent cyberattack against Equifax, my personal information including my SSN, DOB, addresses and drivers license was stolen. I received this message from Equifax : " Thank You -- Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I placed a 90 day initial fraud alert on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, Wells Fargo is God awful! Consumer beware. 

I deposited an {$8300.00} settlement check from a recent accident I was involved in. Wells Fargo has placed my account on hold and froze my checking account due to suspected fraud. Ive had my account with XXXX for over 7 years and have had a weekly paycheck deposited for over 6 years from the same company. The check was issued by a large attorney based out of Northeastern Florida known as XXXX XXXX. Im sick and tired of XXXX XXXX predatory business practices. I feel helpless and am not sure what to do.

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 2021-08-25
Company: CL Holdings LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed on my consumer report that Jefferson Capital was reporting on my account. I have never consented to contract with them, so they have breached my privacy by obtaining my private information.

I sent a letter to Jefferson Capital on XX/XX/2021 asking them to produce a valid contract that I have with them. I also sent along a document for them so fill out and sign back under the penalty of perjury, which they completely ignored. 

They have since sent me a letter on XX/XX/2021 with none of the information I requested. In their correspondence, they violated several of my Federally protected consumer rights pursuant to 15 USC. This is causing me great stress and harm and also a breach of my privacy as I never consented to contract with Jefferson Capital, or any third party debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, at a XXXX XXXX XXXX I withdrawn 3 transactions from an ATM located at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Tx XXXX owned by XXXX  XXXX XXXX. The first 2transaction was for {$62.00} each, which transactions where successful and then later I requested another one for {$100.00} which failed due to power loss to the ATM and the transaction did not perform successfully because of ATM System failure at this location. The ATM power went off and I summons for the store Manager to come over to assist me and thats when he unplugged the ATM in order to power it back up in order to get it restarted, then the ATM restarted and indicated ATM is temporarily out of service with an ERRORCODE : XXXX { XXXX ) indicating Power off while dispensing I was then informed by the store Manager to call the Owners at XXXX in which the representative stated that she sees I didnt get the cash because of power loss. I then I called Chase bank on the same date of XX/XX/2022, to request a reversal of funds because the ATM at this location dispense the cash requested even though it went through my account as a debit. The Claim number the bank provided is XXXX. 
The Bank reversed and added the funds back to my account XX/XX/2022 ; however, on XX/XX/2022, a claim reversal was made to reverse the funds back to the ATM owners. In which I highly detest because on XX/XX/2022, I did not receive the funds in the amount of {$100.00} from the ATM located at the Gas station stated above this letter. I challenge the ATM owners to provide proof other than transaction data that these funds were dispensed out of there ATM machine. The store has cameras and I challenged them to provide proof from the cameras that I got funds after my XXXX transaction that day from this ATM machine on XX/XX/2022. The store Manager can attest to this matter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: PA
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:
OnXX/XX/XXXX, Equifax announced that they had suffered a security breach that exposed personally identifying information of myself as well as many millions of other 'customers. ' From their press release on the subject : " XX/XX/XXXX Equifax Inc. ( XXXX : XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from mid-XXXX through XX/XX/XXXX. The company has found no evidence of unauthorized activity on Equifaxs core consumer or commercial credit reporting databases. 

The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.SXXXX consumers, were accessed. As part of its investigation of this application vulnerability, Equifax also identified unauthorized access to limited personal information for certain XXXX and XXXX residents. Equifax will work with XXXX and XXXX regulators to determine appropriate next steps. The company has found no evidence that personal information of consumers in any other country has been impacted. 

Equifax discovered the unauthorized access onXX/XX/XXXX of this year and acted immediately to stop the intrusion. '' Through their site, https : //www.equifaxsecurity2017.com/, they have confirmed that I have likely been affected by the breach : " Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: GA
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 appreciate the effort done by the Credit Bureaus to remove some of the disputed accounts from my Credit report, but I still have remaining accounts that should also be removed under the provisions of the FCRA section 605b. The remaining accounts were also resulted due to identity theft and must be removed accordingly. I previously sent a letter addressed to the Credit Bureaus last XX/XX/2022 with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identity theft within 4 business days after the day of receipt. I am submitting this complaint to remind the Credit Reporting Agencies of their responsibility to remove the disputed accounts under the FCRA section 605b. I need the following accounts removed as soon as possible : XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX, XXXX. XXXX Balance : - XXXX XXXX  XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX Balance : - Bankruptcy XXXX  XXXX Reference # : XXXX. If the Credit Bureaus insists that the Credit Bureaus that the disputed accounts belong to me, I need the Credit Bureaus to provide me copies of documents bearing my signature to support the Credit Bureaus Claims. Under the FCRA section 605b, I need the disputed accounts removed from my Credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09
Company: EQUIFAX, INC.
State: MO
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:
XXXX, XXXX  and Equifax are reporting incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent {$75.00} dollars through usaa XXXX to another XXXX account. The women never responded back to get the item. I contacted usaa right away and they will not refund the money back. If this going through a bank account this should be protected

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX XXXX, sent a letter to TransUnion but TransUnion says that " it didnt appear '' that I sent the letter and that they wont process my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: AP
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 was hacked and my information was compromised in the incident. I now have more reason to fear identity theft may be in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
Yesterday evening ( XX/XX/XXXX ) I attempted to use equifaxsecurity2017.com to check whether my information was part of a hack Equifax experienced this summer. Instead of allowing me to simply check my status, it enrolled me in their XXXX service immediately upon entering the information requested, and asked me to check back in next week to confirm my enrollment. I do not consent to their service. 

According to Equifax 's website ( equifaxsecurity2017.com ) this evening ( XX/XX/XXXX ), my  personal information may have been compromised by their hack. I have been unable to contact Equifax to receive further information. As of XXXX EST this evening, their phone only gave a busy tone. I then called again at XXXX, stayed on hold for 56 minutes until the hold music stopped and only silence could be heard on the other side of the line. ( I then stayed on the line for at least another 15 minutes  hoping someone might notice me. ) Equifax provides no email address to contact them. 

I do not consent to waive my right to be part of a class action lawsuit against the company, nor do I consent to the use of their services. I have been unable to find a way to contact XXXX to request more information regarding my status on these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX is reporting incorrect information to the credit report agency 's. I spoke and have written to the company with no correction being made.

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 2022-02-09
Company: EQUIFAX, INC.
State: FL
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:
Didnt give this company any authorization to check my score, and would like these inquiries to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: ALLY FINANCIAL INC.
State: FL
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:
Didnt give this company any authorization to check my score, and would like these inquiries to be removed

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 2022-02-09
Company: Global Lending Services LLC
State: FL
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:
Didnt give this company any authorization to check my score, and would like these inquiries to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
This morning I was made aware that my sensitive personal information ( including my Social Security Number, Date of Birth, address, Driver 's License information, and credit card numbers ) may have been obtained by unknown hackers from the credit reporting agency Equifax. 

I immediately checked the website Equifax established for those affected, www.equifaxsecurity2017.com. I was panicked, and wanted to do everything I could to protect myself as quickly as possible. I was concerned when the registration form asked for the last six digits of my SSN rather than the four that are typically required -- especially given the circumstances -- but communication from Equifax and other officials was poor so the whole situation felt urgent and uncertain at the same time. I decided to complete the registration despite my reservations.
Shortly thereafter, I discovered that I may have waived my rights to a class action lawsuit by registering for this website. While Equifax did make the following statement on their website www.equifaxsecurity2017.com claiming that the waiver would not apply to this latest cybersecurity incident, my trust in their intention and ability to handle this situation with integrity is somewhat compromised : " NO WAIVER OF RIGHTS FOR THIS CYBER SECURITY INCIDENT In response to consumer inquiries, we have made it clear that the arbitration clause and class action waiver included in the Equifax and XXXX XXXX terms of use does not apply to this cybersecurity incident. '' As a modern American citizen I have no choice but to participate in the credit system. Even something as simple as getting an apartment demands the exposure of my most sensitive and vulnerable information. Throughout these ordinary experiences, I have implicitly trusted that those responsible for collecting and protecting my information would exercise unfailing vigilance. With hundreds of millions of lives at stake, the enormity of that responsibility can not be understated ; their catastrophic negligence in this matter is equally difficult to articulate. 

Equifax is responsible for the protection of our financial lives at no cost for the rest of our lives. Nothing less. Any legal, financial, personal, or other problems that may arise from their negligence is also their responsibility to bear. They violated a sacred trust that we had no choice but to grant them. They deserve to suffer the fullest extents of civil and criminal justice, and I will not be denied my own justice because of a sneaky waiver in an urgent situation. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: NJ
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX continues with their systemic institutional XXXX XXXX XXXXXXXX inequality procedures in improperly ordering a unauthorized hard credit report inquiry on my credit reports WITHOUT my signed authorization. Per the F.C.R.A. either have them provide a signed authorized credit application document with my authorized signature, or IMMEDIATELY remove the erroneous inaccurate hard inquiry from my credit reports.

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 2022-02-09
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I sold products to a client in XXXX. A few hours after PayPal accepted the clients money, they sent me a mail stating that they are closing my account and they have seized my funds. I asked them to return the funds to several clients who had paid on the same day since it would be unfair to deliver these items if I would not be paid for them. 

On the XXXX XX/XX/2022, one of those clients wrote to me and informed me that according to PayPal, I had lodged an appeal to not return the money. 

I told the client that I would never do such a thing, and that it must be a mistake. A few hours later, I received a mail from Paypal which referred to " my appeal ''. Within the same minute, I received another email from PayPal stating that my appeal was rejected and they then took a rejection fee from my account and charged me for the refund. 

This is clearly fraud. I made no such statement. I wrote to the customer support, and they replied with an incoherent and unrelated " copy and paste '' response. 

I made contact with XXXX XXXX ( XXXX ) and XXXX XXXX, XXXX ( XXXX ) on several occasions, but they have ignored my email.

Company response to consumer: Closed with explanation