BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-10
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 failed to adequately secure my personal information, financial information, and credit history. Through negligence in their computer security, they allowed criminals to access all of this information and use it to make fraudulent charges to my credit cards. As a result of their negligence, I have had to spend considerable time working with the fraud department of XXXX XXXX, researching damage to my credit, and placing fraud alerts on my credit reports. I have also had to make international telephone calls to resolve the fraud, as I am currently overseas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: Comerica
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I use XXXX XXXXs debit card to receive my Social Security XXXX benefits. 
Today I found my money is being taking by somebody else in severals ATM transactions since the money was deposited on XX/XX/2018. 
I have tried to contact the XXXX  XXXX costumer service all day and is being impossible. 
I also tried to use the " option '' of reporting theft, lost or stolen card from the menu by pressing a key but the system ignores that and keep sending me back to principal menu. 
I went Online and read the " reviews '' and complaints written by many other costumers who described exactly what just happened to me. 
I do believe there has to be something very wrong about this company. It just feels like if they were " working with the scammers ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-17
Company: EQUIFAX, 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 pulled my Equifax credit report on XX/XX/XXXX and noticed that I had a repossession showing for XXXX XXXX XXXX account. This repossession date was shown asXX/XX/XXXX.I had 120 day late payments showing for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I pulled my credit report XX/XX/XXXX and noticed the repossession was gone. XX/XX/XXXX was now showing as 30 day late payment. XX/XX/XXXX was now a 30 day late payment, XX/XX/XXXX was now a 60 day late payment and XX/XX/XXXX was showing as a 120 late day payment. My credit report on XX/XX/XXXX shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a 120 day late payment. My credit report on XX/XX/XXXX shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a 120 day late payment. I pulled my credit report again on XX/XX/XXXX and it shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a 120 day late payment. I was sent a copy of my report as well on XX/XX/XXXX and noticed my payment history had changed again. It now showed XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a repossession. On XX/XX/XXXX, my report showed XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a repossession. I pulled my most recent report on XX/XX/XXXX and it shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a repossession. 

Someone keeps changing my payment history from Equifax without my permission. I have been keeping a very detailed record and the payment history is definitely not accurate nor does it match any other credit bureau, 3rd party reporting agency or the creditor records themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
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:
XXXX XXXX or XXXX, XXXX Equifax reported a security breach. I 've had to initiate fraud protection on my credit and will now have to monitor it for my own protection. So far, nothing has happened to me. 

This type of poor security has allowed a host of problems for myself and others. A company with this kind of structure should be wholly responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There are 3 Student Loans on my credit report that were all sold to XXXX a while back and all three are still on my credit report despite my dispute with these companies.

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 2022-08-15
Company: Experian Information Solutions Inc.
State: NY
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:
up in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Creditor Name : XXXX Account number : XXXX Creditor Name : XXXX  XXXX Account # : XXXX Creditor Name : XXXX XXXX XXXX  XXXX Account # 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 2017-09-12
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Wells Fargo charged us excessive interest, by a misleading process where there was a payment delay - by Wells Fargo ; Wells intentionally takes up to 2 billing cycles to process the initial payment, putting the consumer behind in payments.
We bought an engagement ring at a local jeweler, about {$1500.00} worth, and used our new Wells card to pay for it. 

The program they offer is called " Jewelry Advantage ''. It is a XXXX card, dedicated to one Jewelry store. We opened such an account. They advertise that if you pay off the charge within 6 months, there is no interest. However, we ran over by 1 month, through no fault of our own - so they charged us interest. 

It sounds simple but Wells has set this up in an extremely deceptive way. They ask for your routing and account numbers, so they can 'pull ' the payments in an automated way. 

Here is the problem : they take up to XXXXWO FULL BILLING CYCLES to pull the first payment. This puts the consumer behind - potentially right from their first payment!
What is worse, is we did in fact notice we were behind ; we called Wells Fargo, the rep said he would fix it ; by taking a payment right then on the phone, and then the payments would 'sync up ' and we would be fine. We did exactly as he said, but we still ran over - it never sync 'd up.
Obviously the consumer can check over and over ... but when you deal with a bank as big as Wells Fargo, you want to have some trust. There is no reason to take up to two full billing cycles to pull an EFT payment. Everyone deals with EFT. It can be fully transacted within 4 days, sometimes as fast as 2 days. 

Our interaction with Wells - which was extensive, including several senior ( VP ) people - gives me the very strong impression that this design is intentional. They want the consumer to fall behind, so they can collect more interest.
Wells Fargo has found yet one more way to fraudulently collect excessive interest from consumers.

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 2019-11-25
Company: Mortgage Research Center, LLC
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2019 I received an email from Veterans United Home Loans stating my file ( case ) was closed. I sent and email back that also went unanswered : What a horrible  service! I never talked to anyone. My messages were never answered. I never received a letter. What a waste of time. This company got my information and I got nothing. Asking this company to delete my information would not bring justice.

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 2017-09-10
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: Problem with personal statement of dispute

Complaint:
I have sent numerous dispute letters to Equifax about a furnisher /public record named XXXX XXXX XXXXXXXX CT XXXX XXXX they are reporting on my credit report. Equifax claimed they verified directly with the with Lexis Nexis that XXXX XXXX XXXX CT XXXX XXXX that the account belongs to me. I 've requested their method of verification SEVERAL times and each time they just mark as " verified '' without providing me proof of their method of verification with a written reply from the furnisher nor XXXX XXXX ( who by the way has my account locked ) that clearly states this account belongs to me. These are all clearly stated on all my requests and yet they ignored and just marked it as " verified ''. If my account with XXXX XXXX has been locked from access how is Equifax able to verify this? I 'm very dumbfounded. 
If Equifax is not able to provide their method of verification to me how do I know this belongs to me and how is this accurate? 

Nonetheless, I made my own request directly to XXXX XXXX XXXX CT XXXX XXXX, and my letter was as returned '' ( letter attached ). Now, with my request being returned from the court, how is Equifax and XXXX XXXX able to verify so quickly with the court and mark it as " verified '' and close my dispute? With Equifax 's response to my CFPB complaint # XXXX as " verified '' again. How is this all possible and how is this fair and accurate reporting? 

Several creditors, home lenders refuse to provide me credit due to this information and it is very damaging to my score. I 've attached all the letters I 've sent to Equifax and each dispute they 've responded with " verified '', again without providing me information on how they verified this information from XXXX XXXX or the furnisher. 
Again, each dispute I 've sent to Equifax, answered as " verified '' without providing me proper " written '' method of verification is a violation of the FCRP 611 ( a ) ( 7 ). This is an intentional false reporting if they are unable to provide me their method of verification. I am making one final attempt to have Equifax correct/delete this information from my personal credit report before I proceed in a small court claims if they are unable to provide me WRITTEN verification on how they verified this directly with XXXX XXXX XXXX the XXXX XXXX XXXX  CT XXXX XXXX. 

I, again will remind XXXX that in a case, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX, XXXX XXXX, they may be liable for their willful non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Mr. Cooper Group 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: Public record information inaccurate

Complaint:
XXXX XXXX has continue to report this loan even though it was discharged under bankruptcy chapter XXXX back in 2013

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: TX
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 my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see my attached documentation as it pertains my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XX/XX/2022, I applied for an SBA loan to rebuild a barn destroyed by a tornado. In XX/XX/2022, the SBA told me that I would have to lift a freeze placed on my Experian credit report. 
I repeatedly tried to access my Experian account over their phone system to lift the freeze but Experian said they did not recognize my email address. This is the only email address I have used. 
After repeated phone calls and attempts to set up a new account ( using the same email address ), I followed their robotic advice to send a letter to them to reset the user name and password. I sent this on XX/XX/2022, including a copy of my drivers license and a utility bill as instructed. 
On XX/XX/2022, the SBA informed me that my loan application had been withdrawn because I had not been able to lift the freeze. I tried to get the SBA to use one of the other credit bureaus but they said it had to be Experian. 
On XX/XX/2022, I received a letter from Experian that told me to remove the freeze online, which was what I had been attempting to do numerous times. I was expecting instructions on how to reset the user name and/or password but I got a useless form letter. 
On XX/XX/2022, I kept trying different Experian phone numbers in an attempt to talk to a representative. I finally got through and the Experian representative told me that the account was flagged as inactive. I requested it to be re-activated and she told me that their procedures wouldn't allow that. I asked what I should do and she first tried to tell me to send a letter ( with drivers license and utility bill ) to Experian and I said no, I had already done that and received a useless response. She then told me to start a new account with a different email address. I said I couldn't do that because the loan application included my email address and using a different email address would kick out the loan application. When I asked to speak to a supervisor, I was told that no one was available but that it would be escalated and I would receive a call back within 1-2 days. 
I have had no response from Experian and I am extremely frustrated. My loan is on hold because Experian can not correct my account. I don't know why Experian can not correct the status of my account, especially after I provided a written letter with all of the information they requested. 
Thank you

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 2017-09-10
Company: Selene Finance LP
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, I sent our Mortage Loan holder the following email. I do not understand why they can not waive the late fees. the fees are accumulating on our account and we can not do anything about it. i pay my mortgage every month but after the XX/XX/XXXX is there any other recourse i can take?? also, there was one month when i was out of work and i did not have the entire XXXX, so we sent in the principle only thinking they would credit our account. But instead they held the payment and put us in default and we were charged late fees, it took me months to finally pay the bal to get out of default. I am not sure that was even legal to do. 



Dear Selene, I am sending you this email regarding my mortgage loan and late fees. I have appealed to you before regarding the late fees you continue to charge my account. I had explained to you before, that we can not pay by theXX/XX/XXXX of the month because my husband is retired and his money comes at the end of the month. we do not have an addtional XXXX to send to you before the XX/XX/XXXX Before our mortage was acquired by you, we had XXXX XXXX XXXX, and they worked with us to waive the late fees. I pleaded to you to do the same. You pride yourself in helping your customers but i find this is not true. now the late fees are adding up and it is horrible. once again I ask that the late fees be terminated. we do pay each month but the end of the month. Or if you can give us one month reprieve, so that we can pay by the XX/XX/XXXX that will work also. Please advise XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXXXXXXXXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank closed my business bank account without notice or reason : Call made XX/XX/2022 at XXXX 1. My funds were sent to incorrect address eventhough branch manager corrected address in my presence. 

2. new check was never sent and when I called citibank refused to provide tracking number. 

3. Agents did not want to even discuss my account and when I asked for supervisor agent pretended the line had gone dead but I could her her breathing. At this point agent transferred me to a supervisor. 

4. spoke to supervisor XXXX XXXX ID XXXX on XX/XX/2022 at XXXX. She stated that they AGAIN sent check to wrong address. She also stated she did not have a tracking number and it could be months to get check. 

Resolution requested : 1. I want my funds of {$16000.00} refunded 2. I want my funds sent overnight 3. I want an additional {$12000.00} for damages caused for funds not been returned and payments missed by my business in addition to damage caused on my credit reports caused directly by check not being sent correctly. I am happy to outline caused damages. 

Here are the numbers you can reach me at : XXXX. Office : XXXX XXXX. XXXX XXXX XXXX. Additional Office XXXX XXXX. Additional Office - XXXX Ext XXXX XXXX. Additional Number XXXX Ext XXXX XXXX. Additional Number - 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 monetary relief
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: VA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: BB&T CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Repeat issue. " We expected some customer loss ( when we took over the XXXX accounts in Texas ) '' - BBT Branch Representative at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. My credit report is still being negatively affected by BB & T as a result of poor account management and customer service following a disputed transaction. The dispute investigation ended in my favor however the bank did not correct information with the credit bureaus, indicating my account as having payments that were 30 and 60 days past due. No information has been accessible online via portal and PDF nor in the mail as to the issue. A {$0.00} balance continues to show on my credit report as 30 and 60 days late ( see image ).

Company response to consumer: Closed with explanation