BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: VA
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:
CFPB and FTC recommend credit freezes with the credit bureaus in response to the Equifax data breach. Yet, CFPB and FTC do n't realize that they charge a {$10.00} fee. That is insulting, especially with Equifax and their data breach. Equifax stands to profit at least {$1.00} XXXX in credit freeze fees from the estimated 143 million people impacted in their data breach. That is just Equifax. Transunion and Experian will also profit from Equifax 's poor cybersecurity and stand to each make {$1.00} XXXX, too. How in any world is that right for at the very least Equifax to profit by charging a credit freeze fee for their mistake? My wife and I will have to dole out {$60.00} to put freezes with each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi, thank you for taking my concern for the billing dispute. 
*On XXXX, I noticed there is a {$37.00} charge on XX/XX/10 XXXX which I have no clue what that is and chated with XXXX to dispute this charge who told me they will handle the dispute. 
*On XXXX, I reached out to XXXX again to follow up the status of the dispute and XXXX asked me '' Am I in possession of my credit card? Does anyone have access to my card? Have I done business with the merchant in the past? '' At that time, I've fully answered the question and XXXX told me they will process the dispute. 
*Today, XX/XX/10, after more than 1 month, I still have not got any update for the status though I've paid the fraudulent charge just to avoid any interest could happen. I just have conversation with XXXX who still asked the same question '' Am I in possession of my credit card? Does anyone have access to my card? Have I done business with the merchant in the past? ". and still no update for the case. It seems a blackhole there. 

I kind of lose faith due to the horrible services HSBC provided and just hope the case can solved so I can close this account. 
Thank you again for your help. I really appreciate that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX  Account # XXXX, US DEPT OF EDU Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: LA
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: Didn't receive services that were advertised

Complaint:
Equifax had a breach in their security protocols which left my credit information and the credit information of millions of others compromised. I was not notified within a reasonable amount of time and found out through a story on the news. This is not satisfactory. This is downright irresponsible. Equifax should have notified people that their systems were compromised and shown the consumer that they were being proactive in this situation. Instead we have found out that the top brass of Equifax decided to profit from this and the consumer is going to be responsible for all damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act PORTFOLIO RECOV ASSOC 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07
Company: MEI AUTO FINANCE INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have a biweekly payment of {$220.00} ; whenever I go past a day or two of being late, my references as well as my self are harassed with calls from morning to night, as well as emails up until the day I make my payment. They have disable my car after about 5 days after the due date on a couple different occasions. I was lied to about there not being extra fees on the car and was only supposed to be paying $ XXXX, which ended up being $ XXXX because of extra fees they charge me for not having full coverage. Since when does a car dealership charge you fees for not having full coverage? They already lied to me stating my insurance was through them and that I didnt need any liability or anything, just for me to get pulled over by a cop who then explained that I had GAP insurance, not actual insurance so I ended up having to pay a hefty fine. Considering refinancing, SUPER unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: Weinstein & Riley, P.S.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Thursday XX/XX/XXXX, I tried to make a debit purchase and was declined, I then tried to get money from ATM my balance was XXXX in my checking and saving. My husband reach out to XXXX XXXX ( who we bank with ) was told that that both account were on freeze due to a ( court order ) judgment which I never received and XXXX also provided a phone number XXXX. I called this number which is Weinstein & Riley law firm the operator connected me with a collection rep she proceeded by verifying who I was and stated they were trying to collect a chase credit card debt from back in XXXX. 
for the amount of {$5800.00}. Again I never received any notice via phone call or mail of anything. I'm not disputing that I once held a XXXX credit card and I also know that the balance I owe was not {$5800.00} my credit limit on only $ XXXX.and if my memory serves me well what I owe was {$200.00} and due to falling on hard times I could not pay the {$200.00} owe to them. Right now I'm at a lost, I don't know which court granted the judgment against me in order to try vacate this judgment and have this freeze removed. Is this legal for 3rd party collection to freeze your account for debt over 10years .I also pulled my credit report with XXXX to see if I had any collections against me and I have nothing that is pending on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian located in XXXX, Texas has refuse to remove a Loan balance from my Credit report. I have made an attempt to get my Credit Score from Experian and they refused saying I do not have not enough Credit in my Credit file to obtain a Credit Score. There is one item I am still being haunted by is the XXXX XXXX XXXX Charge-off. On the Credit report I received ) n XX/XX/XXXX the Original Balance reported to Experian from XXXX XXXX XXXX was {$17000.00}, but the balance in XX/XX/XXXX had dropped to {$15000.00} as of XX/XX/XXXX. Therefore, that means payments were being made to the purchased of the Loan. On XX/XX/XXXX I received another Credit Report from Experian Credit Bureau stating the Original Balance was {$17000.00}, but the recent balance as of XX/XX/XXXX was {$16.00}, XXXX. That does not make any common sense. Experian has not been communicating with XXXX XXXX XXXX Services at any time. XXXX has the Loan being re-finance and the Payments dropped from {$400.00} a month ( the original amount at the tome the Loan was signed ) to {$300.00} per month without XXXX XXXX nor Me as the Co-signer the XXXX XXXX was re-finance as of XX/XX/XXXX which is illegal. I do not see a change amount of the re-finance on the Experian Credit Report I revived on XX/XX/XXXX. I Have Reasons to Believe Experian is making up amounts as a Debt Collector would do, and I never knew the three Credit Bureaus has the Authority to collect Lenders Debt. I have written XXXX XXXX XXXX XXXX ( XXXX ) Certified Letters since XXXX of XXXX to XX/XX/XXXX, but no one has answered any of my concerns. I have asked for a complete Payment History and the amount the car was sold for after the car was picked-up. XXXX knows I am entitled to that information by Laws. I have recorded several phone calls I made to XXXX XXXX XXXX with a call back telephone number, but no one has called me back. Since I know XXXX XXXX payments were paid on the Loan @ an amount of {$400.00} per month, so that means that My so an I are due a refund, because we paid more to XXXX XXXX XXXX XXXX was reported on XXXX and My Credit File . The total amount that was paid on the Loan from XX/XX/XXXX to XX/XX/XXXX was {$20.00}, 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 2017-09-09
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: 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. To have to deal with this with little to no guidance while I am on the road fleeing from a historically massive hurricane is absolutely ridiculous and to know that millions of others potentially have the same issue is absurd. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: ALLY FINANCIAL INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have contacted ALLY FINANCIAL regarding an old account that is reporting on my credit report. ALLY FINANCIAL stated that they could not verify my information. I contacted the credit reporting agencies XXXX, XXXX, and XXXX regarding the old account. All 3 credit reporting agencies responded that the information was correct and up to date and that they verified the information with the creditor. ALLY FINANCIAL has violated my consumer rights by providing false information to the credit reporting agencies. This account is reporting past the 7 year allowance. According to the FDCPA, ALLY FINANCIAL is in violation of 15 USC 1692j ( a ).

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 2022-02-07
Company: Genesis FS Card Services, Inc.
State: OH
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:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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

Complaint:
Equifax hack put my credit and social security number at risk. The solutions offered such as one year credit monitoring and 90 day fraud alert seem insufficient. I have little control over my personal information stored by Equifax but face the negative consequences if something occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I received a {$1500.00} loan check from XXXX XXXX XXXX XXXX and then I deposited via the Bank of America mobile app. After doing so, I see that there is a 12-day hold on the deposit. 

I call the Bank of America customer service number, where I am told that, since I still have the check, go to the bank on Saturday morning and see if the local branch can at least make {$200.00} available.since. 

The following day I do so, but to no avail. Now, I have no way to pay my rent and utilities until the hold is lifted. Meanwhile, I will rack up a {$100.00} late fee on my rent and my electric service will be disconnected on XX/XX/XXXX at the close of business. This 12-day hold is onerous and goes beyond the standard hold time.

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 2022-07-10
Company: Avant Holding Company, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX and XXXX, 2022 Avant credit card charged my account for XXXX purchases and 1 that was declined. On XX/XX/2022 I had XXXX available credit. By XX/XX/XXXX I have XXXX. Just like me everyone who has an account was hacked. Luckily I lost XXXX compared to thousands others have lost. In order to speak to customer service I had to wait hours on the phone to file a lost/stolen report. Avant still has not send out a mass email informing consumers about the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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 personal information including name, social security number, address, birth date, driver 's license number, and possibly more. They allowed a data breach to occur during XX/XX/XXXX through XX/XX/XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act the list of accounts below had violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681 Account # XXXX - US Dep Ed, XXXX - XXXX XXXX XXXX, XXXX US Dept Ed, XXXX - XXXXt, XXXX - US Dep Ed, 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 have violated my rights. 15 U.S.C 1681 ( a ) ( 4 ) FCRA section 602 A ). states I have the right to privacy 15 U.S.C 1681b-a ( 2 ) ( section 604 A section2 ) : it also states a consumer reporting agency can not furnish an 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 ( they may only report crimes. Not " Debts '' ) which antidates the report by more than seven years is 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 information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Upgrade, Inc.
State: CA
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:
Filed a dispute regarding incorrect balance and payment history with reporting agencies XXXX  and XXXX. Upgrade responded via email with an obviously stock robo answer that information was indeed correct and that it takes 30 to 60 days for the reporting agencies to update information. They are the only creditor that I have where this seems to be the case. I resubmitted an additional dispute and received the same response. I then filed a complaint on this website after seeing my score drop 18 points. Upon further investigation it appears now that rather than correct the information they have reported to the credit reporting agencies my account is now reported as being closed. Which it is not. It sure didn't take 30 to 60 days to report my account as closed. Seems a bit retaliatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: ME
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 and failed to protect my personal information, and failed to disclose when that information was compromised. I now learn on social media that my identity may have been stolen months ago, and I am left with the responsibility of monitoring my credit report closely and constantly, managing freezes and fraud alerts, and disputing fraudulent activity. As all of the information that the credit reporting system uses to identify me has been compromised, it seems as though I will be doing this for the rest of my life. This is an unfair burden placed on me by a company I never chose to do business with, and their handling of the breach ( which so far has been to do nothing, not even notifying people effected ) is absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
Due to the Equifax data breach affecting 143 million people, my information was potentially stolen. I am taking the necessary steps to protect my self, however learning about the breach a month after it happened is alarming.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Castle Mortgage Corporation dba Excelerate Capital
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan with Excelerate Capital. I was approved and all of the conditions were satisfied. The lender canceled my loan after my loan was locked and clear to close due to rates going up. The lender verbally committed to a rate of 3.125 %, later they said that they locked the rate at 3.25 %, so my mortgage broker ( XXXX XXXX XXXX ) said they would pay over {$4000.00} to buy the rate down to 3.125 %. The lender issued another lock for 3.125 % with a cost. When my broker ( XXXX XXXX XXXX ) asked the underwriter when the loan documents will be issued, the underwriter stated that the attorney said he will not honor the lock because the rates went up and that they will lose money. Isn't that why the customer has the option to lock? I took a risk in locking the loan because if rates went down, the lender wouldn't give me the lower rate since I locked in the rate. This lender has caused me hardship by not honoring my loan and now rates have gone up and I have no loan. They required that my credit get pulled twice, so I 2 inquiries on my credit report, which lowered my XXXX score. 
Below is the attorney information. I am asking for your help to have this lender honor their commitment to me. I appreciate the CFPB in looking into this matter and having the lender honor their commitment. 
XXXX XXXX, XXXX. 
XXXX, General Counsel Excelerate Capital XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA. XXXX XXXX ( XXXX ) XXXX Direct ( XXXX ) XXXX Fax Thank you, XXXX XXXX XXXX 1918 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX

Company response to consumer: Closed with explanation