BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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:
On XXXX XXXX, 2017, Equifax released a statement outlining a breach in their systems that impacted approximately 145 million people in the US. Using their www.equifaxsecurity2017.com site, I was notified that my personal information was potentially impacted by this release. I have frozen my credit reports with Equifax, XXXX, and XXXX, and am submitting documentation to complete my freeze with XXXX. I have also placed a 90 day fraud alert on my reports. There is no further action I am aware of that can be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2018-06-01
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2015 XXXX XXXX XXXX sold my account to XXXXmr cooper mortgage while it was in lawsuits settlement, so all the information XXXX XXXX XXXXXXXX had transferred to Mr Cooper,  so XXXX XXXX XXXX settled with me and brought the loan back, asking mr cooper mortgage to delete from my credit file and that was 4 years ago and they still have it on my report and refused to take off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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:
Dear Sir or Madam, Thank you for taking the time out of your day to read this letter. My name is XXXX XXXX and I am requesting a goodwill adjustment to remove three closed accounts from my credit reports. 
Im writing this letter because back in XX/XX/XXXX, I was fired from my job due to my employer firing me because I brought up that they were miss paying me. I was a full-time employee working 40 hours each week, I got paid every 2 weeks, but my paychecks were only for one week of work. For two and a half years this was happening to me, I was getting missed paid. I brought this to their attention, and I was fired because of it. Before this happened, I never missed a Credit Card payment, my credit score was great and was saving for my future. 

When I lost my job I still needed to pay my bills and I got myself into debt {$11000.00} with three different accounts, ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX ) and ( XXXX XXXX XXXX ) I do understand that I could of handle the situation better and I do take full responsible but at this time was XXXX years old and was the sole provided for brother and sister who was living with me and still in high school. As soon as I was aware of my debt and I knew I couldnt handle it on my own anymore I enrolled in a debt relief program back in XXXX of XXXX, to help me get a grip on my payments. I completed the program as of XX/XX/XXXX never missing a payment, paid my debt back and got back in a good place with my creditors by opening a new credit card with XXXX XXXX ( XXXX ) back in XX/XX/XXXX and never missing a payment. I also was able to get an auto loan with XXXX XXXX ( XXXX ) back in XX/XX/XXXX and paid in full back by XX/XX/XXXX. 
I have tried everything to fix my credit, but it seems like I am stuck and must wait 7 to 10 years till they are removed from my report. I am almost XXXX now and trying to buy a home and start my own family but I keep running into issues because of my credit report and score. The negative impact of these accounts could result in a denial for a loan or a much higher interest rate that could cost me a significant amount of money. If you could make the goodwill adjustment requested by removing the three closed accounts from my report, I believe it will significantly improve my chances of approval and save me unnecessary costs in the process. 
Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-01
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
I had originally reported this problem CFPB # XXXX. Wells Fargo decided to report their charge as a charge off instead of removing the charge, which has negatively impacted my credit report and cause some credit card companies to reduce my line of credit due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27
Company: eToro USA LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/2021, I saw an ad on XXXX  for sign up to eToro and if I trade {$5000.00} I will get a bonus of {$500.00}. 

I clicked on that ad, signed up, and made trades for {$5000.00}. 

I have not received the bonus so I contacted their support to see when I will receive it. 
The response was " Due to the high recent demands in cryptocurrencies we are experiencing a large increase in customer inquiries and registrations. We are working to get through this backlog as quickly as possible. We have expanded our customer service teams in order to provide faster service. '' A week later I contacted the Account manager XXXX XXXX asking when i will get my bonus. No response. 

At the beginning of XX/XX/2021, I contacted customer service again telling them that its been 60 days. No response. 

I contacted them again towards the end of XXXX. And this is the response I got. " Thanks for bearing with us. 

Please note that your account was not made via a valid promotional link. This means that we can not credit you with a {$500.00} signup promotional bonus. "

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 is reporting on my Transunion and XXXX credit reports. This account does not belong to me. I have tried several times sending in my FTC report. Please send to these companies ASAP this account does not belong to 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 non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
I was a victim of the Equifax cyber attack that has affected 143 Million Americans. I do not know what information of mine is now public data. I have placed fraud alerts with all three credit bureaus however I have not frozen my accounts yet. I do not believe I should be paying to freeze my accounts to a company that has caused the breach in the first place. Ridiculously irresponsible, and scary for a XXXX year old woman who is working on establishing credit. 

My personal data has been compromised and I received no notice from Equifax before seeking out information on my own. Shameful.

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:
Today I was informed that Equifax has allowed a hack of my person information including social security number, name, address, and other critical data that can be used to steal my identity. 

I used their website to find out if I was affected, and they confirmed it.

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

Complaint:
This is in regards to the data breach, reported by Equifax. 
They allowed, through inaction or negligence, my information to be stolen from their company servers. I am now having to place freezes on my credit rating and watch for fraud because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MA
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:
I received notice on X/X/17 that Equifax experienced a data breach and that my personal information may have been affected. The notice informed me that I am eligible for 1 year ( 12 months ) of free credit/identity fraud monitoring. This is insufficient. If I now know that my data and that of 143 million other people is going to be monitored extra closely for 12 months, then the criminals who stole my data now also know that they should wait 12 months before using my data to steal money and commit fraud. How is 12 months of monitoring sufficient? I am very upset.

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: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Equifax waited an unacceptably long amount of time before notifying the public of their failure to secure my personal information and the personal information of many others. 

Equifax did not reach out to the affected users despite knowing already who has been affected. 

A credit freeze should be free but especially in this instance where many people 's credit has been put at risk by the very company who charges the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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: Credit inquiries on your report that you don't recognize

Complaint:
Transunion CEO : XXXX XXXX RE : Transunion Data Breach This letter is a follow up to my original letter regarding inaccuracies in your credit reporting, regarding the unauthorized credit hard inquiries entries being reported under XXXX XXXX XXXX  XXXX Hard inquiry from XX/XX/XXXX. 

By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the unauthorized credit hard inquiries is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed unauthorized credit hard inquiries are entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non- compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the unauthorized credit hard inquiries. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello, I am writing to you regarding the big scam in my own credit report. I got unknown account and inquiries that I do not recognized. I checked my credit report and with XXXX XXXX I can say that this account and inquiries are not mine. I have no idea how come I have it my credit report. But the only what I want is to remove these items because I prefer to have information that is mine in my credit report. Please apply the investigation and remove them from my credit report. I filed Identity theft so therefore You would see what items to remove. Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
ON XX/XX/2021, I received a notification from my credit monitoring service the XXXX inserted an negative account in the amount of {$4200.00}, on my Equifax credit report without any prior notification. 

I immediately reached out to XXXX for assistance and explanation who hung up the telephone several times and then told me to writing a letter. 

I do not owe XXXX, my account is and has always in good standing never late, never missed any payments. 

I believe this is retaliation based on my race, color, sex and for numerous complaints file with CFPB XXXX intentionally set-out to lower the credit score of XXXX Americans This is a clear violation for FCRA, I want this act investigated and XXXX held accountable for the aggress act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: ProCollect, Inc.
State: OK
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:
Procollect , INC is reporting on my XXXX and XXXX credit reports. This account does not belong to me. I have tried several times sending in my FTC report. Please send to these companies ASAP this account does not belong to 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 2017-10-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ID
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:
Portfolio Recovery. 

We had 5 credit card accounts. Our credit report shows " no late payments '' " ever '' until XXXX or XX/XX/XXXX. 

We took out Chapter XXXX Bankruptcy on XX/XX/XXXX. All payments were current. We were told the trustee would pay the cards and no further interest would be charged. We took out Chapter XXXX to hopefully settle some things on our house. Every bill we had was current and paid to date. Again, there is continued perfect history on our vehicles, electric payments, insurance, etc. 

As soon as we filed the bankruptcy paper, our credit cards closed the account. In addition, as we find out two years later, the credit card companies immediately sold the debt to collection companies for pennies on the dollar. It was not to collect for them as the trustee would have been paying them for the next 5 years. 

After settling on the house, we withdrew from the bankruptcy. We saw Portfolio Recovery checking our credit. Then we started getting calls from them. They said they were collecting for the credit card companies. We settled 3 of the accounts as agreed and were doing payments of the other two for 5 years. 

Every month, portfolio as a collection agency, is stating that a late payment is received and reporting it on XXXX 's credit report. They also reported my payments to them when paid in full as late. 

Our insurance company on our house told us we were a poor risk and raised our premiums because we made late payments to a collection agency. 

Attached are a viewing of XXXX and XXXX payments that they automatically take from our bank account. Again, we receive and the credit report shows that the payment is late. 

Portfolio Recovery is a debt buyer not a collection agency. They are destroying our credit history by reporting it late and that " we were sent '' to collections. AGAIN THIS IS WRONG. They bought the debt -- period. Now they continue to ruin our credit by false reporting even though they are getting paid every month on time as they agreed. 

We do n't think they should be allowed to report payments this way and ruin our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-02-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XX/XX/XXXX, I purchased a XXXX flight via XXXX 's Rewards program with my XXXX points at a value of roughly {$270.00}. I needed to cancel this flight, and I was told by XXXX Customer Service that the value would remain as a flight credit with XXXX, and that I could simply check the Rewards portal for the flight info for reference when I wanted to rebook. 

When going to reference that info this past XXXX XXXX, XXXX, I've found that NONE of my previous flight information is in this portal, despite having taken several other flights over the past year via this program. When attempting to work with XXXX Customer Service, I was informed that they do not have ANY records of me having taken previous flights. I asked if this was a system error, and informed them I've taken many flights with them in the past year, but they were unable to provide an answer. After messaging their Customer Service team again and asking what else can be done, they have confirmed that unless I have the exact reservation number, which should be available for reference in my account but is not, there is nothing else they can do. At this point I am now out that {$270.00} in points, along with hours of my time and a lot of frustration. 

XXXX XXXX XXXX XXXX XXXX has essentially failed to retain critical financial records pertaining to my account, and is unable to retrieve them. 

Attached : - Message conversation with Chase - Screenshot of both credit card accounts showing " No previous flights found '' - Email receipts showing that I have, in fact, taken flights with them in the timeframe they say I haven't

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I disputed inquires that was not authorized by me on my credit report and no corrections was made. They did not provide proof to me that the information was being pulled and if I authorized it. 


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

Complaint:
Equifax mishandled my information and put myself and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. They did not notify me directly and they have admitted that they will not notify everyone.

Company response to consumer: Closed with explanation