BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-13
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 fraud alerts or security freezes

Complaint:
I tried freezing my credit on XXXX/17 at XXXX, XXXX, and Experian and systems were unavailable to process my requests for all three. I want Congress to begin regulating this industry IMMEDIATELY!! Clearly they do not have appropriate controls or processes in place. They make money selling our credit histories yet we get charged to freeze our own credit This is unacceptable and Congress needs to do something about 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 2022-06-14
Company: EQUIFAX, INC.
State: MD
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:
BASED ON AGE OF ACCOUNT BY EQUIFAX ACCOUNT SHOULD BE DELETED XXXX. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 
age of account XXXX XXXX XXXX XXXX XXXX View account details Account status Age of Account Closed 10 years 6 months 24 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
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:
I DON'T RECOGNIZE ANY OF THE HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
KIA Finance. I am a lessee. I moved from XXXX to XXXX in XXXX and notified my insurer before I moved on XX/XX/XXXX and contacted KIA to transfer the title to XXXX  so I could register the car in XXXX. XXXX DMV received the title on XX/XX/XXXX and I registered the car that same date. KIA Finance paid XXXX for XXXX sales tax that was due for the year beginning XX/XX/XXXX but I was already living in XXXX, thus no sales tax was due. Before I even moved to XXXX  I notified the Sales Tax Assessor in XXXX, XXXX that I was no longer living in XXXX  and she gave me her name and email and told me to email her once my car was registered in XXXX and she would refund KIA the sales taxes erroneously paid by them. My monthly KIA car payments are automatically deducted from my bank account and they are up to date. But everyday a KIA finance agent calls me to pay them the XXXX  sales taxes of {$280.00}. Ive spoken to 5 people from KIA in the last 3 days, two of which hung up on me when I explain this isnt my debt. Today their collection agent claimed that I was late on my car payment because she said they switched my car payment to apply to XXXX sales taxes and it will go on my credit report as not having paid my car payment. She said they were allowed to apply the money paid to my car payment any way they wanted. I am spending hundreds of dollars overnighting mail to KIA and the State of XXXX only to have 2 KIA agents tell me they will destroy my credit unless I pay this money owed because KIA will not ask XXXX for a refund - implying it is easier to harass their customers to XXXX  instead.

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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 tried freezing my credit on XXXX/XXXX/XXXX at XXXX, Transunion, and XXXX  and systems were unavailable to process my requests for all three. I want Congress to begin regulating this industry IMMEDIATELY!! Clearly they do not have appropriate controls or processes in place. They make money selling our credit histories yet we get charged to freeze our own credit This is unacceptable and Congress needs to do something about 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 2017-09-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
OnXX/XX/XXXX, my student loan account with Navient was open for repayment ( date stamp was included in the loan details on my online account ), and I enrolled in AutoPay in the amount of {$210.00}. 

OnXX/XX/XXXX, I logged onto my account. The date stamp onXX/XX/XXXX stating that my account was open for repayment was gone and I had been placed on administrative forbearance. I did not request a forbearance. The remark " payment deferred '' was added to my credit report, and has been flagged as item that lowers my score. Again, I never requested forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
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:
My identity was stolen, but the credit bureau refuses to remove this false information, stating, " We asked for the company to verify your information and it has been confirmed as correct. '' It's suppose to be correct. Thats what happens when you get your identity theft stolen. Thieves use a persons correct information to open fraudulent accounts. Ive filed a police report with the XXXX XXXX XXXX XXXX ( Incident Report # XXXX ) for identity theft. I mailed the credit bureau a packet which included the Police Report, Numerous notifications from different sources of my identity being stolen, and a list of false information that I want removed due to my identity being stolen. 
The following line Items were part of my request to remove from my credit report due to identity theft : XXXX. XXXX XXXX XXXX. XXXX different 30 days late on XXXX of XXXX files The following hard inquires are false : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Can I get some assistance in this matter. These people think they are infallible, which they are not. They listed my older brother as my spouse and I've never been married. It took me being tenacious to get this false information 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 non-monetary relief
Consumer complaint received 2019-10-15
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:
These accounts doesn't belongs to me. 

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 explanation
Consumer complaint received 2017-09-13
Company: BlueChip Financial
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Specifically, on X/XX/2017, not only did this company harass myself, and my family, but also lied about previously calling, did not verify who they were talking to before divulging information about a debt, threatened to keep harassing my family, and tried to use scare-tactics insinuating they were taking legal action. Being familiar with FDCPA, I called them out on it, at which time, they got belligerent and hung up on me, twice. Once without providing me the information for their company. They also got belligerent with my sister, as well, and personally attacked her while speaking with me, saying she " Was not a nice person ''. The second person I spoke with, XXXX, accused me of falsely identifying myself when I mentioned they had not verified before divulging the existence of a debt. Also, the second guy, XXXX, referred to the company as " XXXX XXXX '', which I do not find - I can only find XXXX XXXX XXXX and XXXX. I do not know which one called. Also, no messages left followed the proper protocol for messages left by debt collectors.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: MD
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:
It is unbelievable that Equifax waited so many days to acknowledge and make consumers aware that their security had been breached and the information of millions of people, info they have no control over nor say in most cases without paying them, was stolen. Lest anyone be confused, it took them a considerable amoutn of time to even realize their security had been breached. Equifax 's lack of a meaningful initial response, unpreparedness for dealing with the problem and having meaningful solutions with a week to prepare before letting people know, and a horrible website that was confusing, lacking credible and usable information, and had an ID theft checker that sent everyone to another confusing page that said you had to wait to sign up, whether or not you used a real name or random six numbers. 

This is completely unfathomable, and as a corporation and " individual '', as recognized by the courts, publicly and socially irresponsible, and put us in danger of damages, both financially and physically, that could result from the release of the stolen information, the delayed public response, and incomplete measures and solutions Equifax offered consumers to deal with the breach. 

Now I, and my fellow Americans, have another headache -- or possibly numerous if the information is used to file a false tax return, charge items on credit cards or drain bank accounts -- to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I understand that a large breach of personal information from XXXX recently occurred. I 'm filing this complaint because I feel that as a business that profits on credit reporting and tracks/stores large amounts of personal and sensitive financial and other information about me, my family, and my loved ones should, if not by law then at minimum as a best business practice, be required to control this data securely. I have been exposed to fraud due to poor practices at XXXX ; i 'm taking steps ( i.e. 90 day fraud alert ) for myself ; however, several people that I care about are not equipped to submit online forms and paperwork and research solutions as I have done. 

I would request the following from XXXX ( and other credit monitoring companies ) : 1. provide professional counseling service from a qualified individual to guide those affected/potentially affected by the breach so they can minimize risk. 
2. provide indefinite fraud alerts for all individuals whose data is gathered/held ( not just the free 90 day fraud alert available currently ) 3. Provide insurance or an escrow fund for legal fees and reimbursement for people who suffer identity theft in connection with XXXX ' handling/mishandling of data 4. Institute a more secure way to access my credit-i.e. a form of 2 factor identification that makes it harder for other individuals to use my information. 
5. Ensure that the above options can be easily requested and accessed by the layperson and people who do not regularly use the internet. 

I would be in favor of broad overhaul of credit monitoring and tracking practices on a national/global scale.

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 2022-06-14
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number XXXX has violated my rights.

15 U.S.C 1681 section 602a states I have the right to privacy.

15 U.S.C 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2022 I went to XXXX XXXX near my work & purchased a " SERVE '' by American Express card that I loaded with {$20.00} & paid a load fee of {$1.00}. When he tried to make a purchase it kept telling him that the transaction could not be completed. We called SERVE on the tele number on the card several times and they told me to go back to the store of purchase which was XXXX miles each way from our home & said they did not scan it correcty. But the store called their card company & was able to verify the purchase, date of purchase & the load amount. I was told it was an issue with the card issuer/Bank. So we called the bank SERVE several times again and was finally told to send them a photo of the Receipt from the store where ppurchased, a photo of the front & back of the card that was scanned at the store & copy of my drivers license. All which I emailed the same day on XX/XX/2022 to the email they provided to me for their " Activation Acceleration Dept '' of XXXX. They assured me they would respond with a resolution within 24 hours & thats been 3 weeks ago. I have tried to get a supervisor on the phone today for 4 hours & either they tell me they can not access my account & have to transfer me to another dept & then just disconnect my call or straight up hang up on me. This is not just about the money, this is more about principle and fair business practices & big companies like American Express should know better than to steal from customers & they need to make things right immediately! Thank you for your help! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have asked SPS for a forbearance and they have refused to comply with Federal Forbearance Law. XXXX extended the State of National Emergency until XX/XX/XXXX, and all homeowners have the right to a forbearance until the end of the state of national emergency. I have the right to a forbearance regardless of the delinquency of my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: EQUIFAX, 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:
These accounts doesn't belongs to me. 

XXXX XXXX XXXX # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, 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:
With the Equifax leak, have tried to put freezes on all my credit checks with the three agencies ( I will not go into how ridiculous this all is and how it is inconceivable that this happened, and they waited so long to let us know, and I had to wait until today to sign up with Equifax and have to wait an unspecified amount of time for an email to come from Equifax to finish the process with them. ) Went to XXXX site from a search engine, ( Security Freeze - XXXX ). The link ( XXXX XXXX XXXX ) gives an unavailable message and photo. Hopefully I will be able to attach a screenshot. 

This one, for one of their products XXXX and with a bunch of caveats, works. ( XXXX XXXX XXXX ) I find all of this unacceptable and a disservice to the American people who rely, unfortunately and without any permission or acknowledgment, on these services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: U.S. BANCORP
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage since XXXXXXXX XXXX XXXX  from : U.S. Bank Home Mortgage XXXX XXXX XXXX XXXX, MN XXXX There was a charge oXXXX XXXX XXXX XXXX  that no one at the Bank was able to explain to me up to date. This XXXX charge was never explained to me by Lender either, who was XXXX XXXX XXXX A NORTH CAROLINA LIMITED LIABILITY COMPANY. 

I have looked in my loan application forms and could not find this XXXX agreement anywhere.

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 2022-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a text from Bank of America claiming someone tried to XXXX themselves money. After I replied NO that it was not me, I got a Toll Free Call, which Ive received before from BofA. I went through the process of confirming my entire bank account, name, address, birthdate etc and was told that I needed to reverse the charges by typing the code that I received into XXXX and reverse the {$3500.00} money transfer and it would reverse in 30 minutes. I have filed a claim with my bank and hoping this gets reversed.

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 2018-11-26
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX FAILED TO RE-INSERT MY ACCOUNT BACK INTO XXXX CREDIT FILES IN VIOLATION OF F.C.R.A. 15 U.S.C. SECTION 1681g and CREDIT FURINSHING LAWS.

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 2018-11-09
Company: EQUIFAX, INC.
State: WI
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:
I took out a loan with XXXX to purchase a vehicle in XX/XX/2008.I recently ordered all three reports and noticed they were reporting to that i had a number of late payments .I contacted XXXX  in regards to this matter because I after the vehicle was paid in full I received a letter and a refund stating the refund was in regards to them reviewing my account and the refund was for late fees and was assured they would correct with reporting agencies. All I also disputed the late payments inXX/XX/XXXX without any luck.I feel they are reporting falsely to the credit agencies and I have no luck trying to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX, these accounts have violated my rights : XXXX - XXXX XXXX : Account number : XXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX 15 U.S.C. 1681 section 602 A. states that 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.

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 2017-09-13
Company: United Debt Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
As of XXXX XXXX, XXXX, I have called the collection company Which they call themselves a mediation company collecting for XXXX XXXX XXXX they have repeatedly called my employer looking of me. Since XXXX XXXX, XXXX they have called my employer. I have told them since XXXX XXXX, XXXX not to call my employer and have given them my cell number and my mailing address. Today, XXXX XXXX, XXXX I asked them what is there mailing address and they asked me if I am represented by an attorney and I said yes. Then they said my attorney needs to contact them and they would not provide a mailing address that my attorney needs to contact them. I told them they are in violation of the Fair Collection Practices regarding the calls to my employer. Then they hanged up on me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation