BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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 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 XXXX news. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. I will have to spend valuable personal time securing my identity because Equifax did not secure my personal information. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I received an off scheduled Escrow Statement from PHH Mortgage Services XXXX XXXX XXXX, XXXX  XXXX, NJ XXXX. I received an Escrow Statement claiming a shortage with a Proposed increase in Payment. I called today, Monday XX/XX/XXXX & spoke with a female claiming to be XXXX, ID # XXXX then to XXXX, ID # XXXX  regarding the matter. According to XXXX, the tax department checked the website in XX/XX/XXXX & claim the tax would go from $ XXXX {$3200.00}. I told him, Mayor XXXX XXXX sent out a letter that states, NO TAX INCREASE. He never requested a copy. He said he would forward the information to the unit that deals with tax. He was unable to provide me with the information from the City if XXXX that was used for the proposed increase in the mortgage. How many other residents are been ripped off by PHH who is part of Ocwen Service LLC ( who made a settlement to pay homeowners who they foreclosed on because of their procedures & policy )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX  / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( 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 non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
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:
On XX/XX/XXXX XXXX I sent a letter containing : Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Without my written consent I have attached an invoice per violation. 
You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none.

I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor

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

Complaint:
My personal information, including all of my credit history was handled improperly and leaked from Equifax placing me a great risk for identity theft. Equifax proposed solution is to sign me up for their own service, of which the problem originated. Their service TOS limits the ability for legal action, so I decline their offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2021-03-10
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My name is XXXX XXXX. I am a student in college and from around the area of XXXX, Pennsylvania. On the day of XXXX I received a check of XXXX $ from a scammer ( as a student I am desperate to find a job right now. One day, I got an email from my school that said this person needs to hire someone to take care of their dog. I got scammed out of XXXX $ because TD Bank cleared a bad check. If TD bank didn't clear the check I would not lose that XXXX . It's a really long story and I also filed a police report for that in case you guys want to take a look at it. Police report number is : XXXX ). I deposited the check on XXXX, 2021 and TD Bank cleared the check on the next business day ( XXXX, 2021 ) with the full amount of XXXX $! Before making a withdrawal and sending the XXXX $ to the scammer I have already called the bank and asked if that check was really good and they said yes the check was good! After that I still waited 2 more days to see if the check still good and then I decided make a withdrawal of XXXX $ from it. ( The scammer told me that XXXX $ is the payment for my first week as a secure position of take care their dog and the rest of XXXX $ they want me to send it to someone else ). 5 days later TD Bank blocked my bank account and didn't even bother to send me an email or give me any call to say that the check was bounced. I had to call them myself once I found out that I can't log in to my bank account. By that time they kept charging me overdraft fee money of XXXX $ for overdraft and they still blocked my bank account. Because I have no access to see my bank account balance so I cant prevent my account from an overdraft. Now I am in a debt of XXXX which I was saving to pay for my tuition. I don't understand why a bank cleared a bad check and gave me access to the full amount of XXXX $!! Then don't tell me anything about the check was no good and keep charging me overdraft fees without my knowledge about what happened. I am a student and the amount of XXXX $ was a really big amount for me. I trusted TD Bank and was their loyal customer for a while but after this incident I will definitely move on to another bank who can protect me and appreciate my money. Below is the proof that the check was cleared by the bank. Lucky that I was screenshoot it before they blocked me. They still block me now and I already pay them back XXXX $ as of today. Their overdraft fee is crazy. I want to share my story to the other people so that others can learn from my experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MA
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 has not taken proper precautions to protect my information ; as a result, all my sensitive information such as date of birth, SSN, etc. are now public information and I may soon be a victim of identity theft and other credit fraud problems.
Equifax could have at least hash the data instead of raw storage, but they carelessly have exposed the information of 150 million Americans ; this is serious neglect on their part.
Equifax has been quiet about this breach for nearly a month, this is seriously horrible. I received no notification about this breach to properly protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I financed the purchase of my home in XX/XX/2022 with a mortgage loan from XXXXXXXX XXXX, which sold the loan to XXXX. Starting with the XX/XX/2022, payment, Mr. Cooper ( aka Nationstar ) acquired the servicing rights. 

I paid the monthly payment of {$3700.00} via XXXX on XX/XX/XXXX and on XX/XX/XXXX, and Mr. Cooper acknowledges receiving both payments. However, when I checked my credit reports with the XXXX national credit bureaus, the payments have not yet been reported. I called Mr. Cooper yesterday and was advised the XXXX payment would be reported at the end of XXXX and the XXXX payment at the end of XXXX. 

The consumer loan XXXX XXXX with the national credit bureaus requires prompt reporting of payments for the system to work. Creditors review credit reports during underwriting, and loan payments reported 2 months after the payment were made frustrate the system. If I'm in default, a lender reviewing my loan needs to see that information promptly -- not XXXX weeks later. And if I'm making timely payments, the creditor needs that information in support of its credit decision. 

The reporting of timely loan payments will boost my credit score, especially with a large mortgage loan, to which the credit scoring models assign a high weight. My credit score took a hit because of the credit inquiries when I applied for the mortgage and because a large loan amount was reported for the first payment in XXXX with the initial servicer ( XXXX XXXX XXXX ). 

It is baffling and frustrating that Mr , Cooper waits around XXXX weeks to report my loan payments. Section 623 of the Fair Credit Reporting Act requires furnishers to report accurate information to the consumer reporting agencies. It is potentially a violation if Mr. Cooper waits XXXX weeks to report my loan payments because stale information is arguably inaccurate in the context of a consumer loan XXXX XXXX that needs recent payment information. My current loan balance is {$530000.00}, but the credit bureaus list it as {$530000.00}. This is inaccurate because it does not reflect the XXXX and XXXX payments. See FCRA section 623.

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: Problem with fraud alerts or security freezes

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 2017-09-08
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:
I was part of the millions of people who whose accounts were compromised with the Equifax security breach. I 'm very concerned about identity theft and a company of this size should be more careful with their fraud procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Received a call from a XXXX XXXX stating he was from capital one fraud dept. phone number was ( XXXX ) ask if I would confirm a charge to ( XXXX ) in the amount of XXXX. 
The Capital one card we had has been canceled. No one can charge on that account. He transferred me to a ( XXXX XXXX ) she was able to give me my name,, address, birthdate and SS number associated with that account. She also gave me my husbands info. She wanted to know the expiration date on our card and also ask for our debit card info used to purchase groceries. I told her she had the wrong person. The info was not right and I was giving them no information on any card I also told them I was contacting Capital one and check them out. I hung up and blocked their names on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
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: Personal information incorrect

Complaint:
Tried calling and getting the runaround. Calls are immediately transferred to a survey when speaking with an agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Had some issues with my account due to unauthorized transactions. My credit limit is not available to be utilized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The United Services Automobile Association ( USAA ) charged me exorbitant auto insurance rates for three vehicles, increased the already exorbitant insurance rates unbeknownst to me in the middle of my policy days after the original quote and implementation of the policy, demanded that I pay the newly increased amounts in my monthly premium payments, accepted my XX/XX/XXXX premium payment, informed me that they would not refund the payment and that my auto insurance policy would be cancelled if I did not pay the remaining excessive charges that do not include a regular monthly premium payment. Policy effective date : XX/XX/XXXX thru XX/XX/XXXX. The exorbitant premium was charged to a XXXX XXXX XXXX shown on my declaration page in the amount of {$1300.00}, and a hidden additional amount of {$2600.00}, an {$830.00} increase, was stated in non-conspicuous place on a separate page. I submitted monthly premium payments to USAA each and every month of the policy as follows : {$370.00} XX/XX/XXXX ; {$420.00} XX/XX/XXXX ; {$420.00} XX/XX/XXXX ; {$420.00} XX/XX/XXXX ; {$210.00} for ( only two cars after removing the XXXX  from policy ) XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Searching my recent credit report, found out a few accounts and inquiries which I never opened before. I carefully looked all of these accounts and listed all of them in identity theft report. Sent request to investigate and remove all of them from credit report as soon as you can. I uploaded personal information like ssn and dl. I think personal info was stolen and used by someone else. all accounts are fraud. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2022-07-10
Company: Netspend Corporation
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I deposit XXXX dollars and XXXX dollars back in XXXX into my Paypal account the transactions said denied the check went back but my finance company said thay paid them XXXX XXXX and XXXX XXXX XXXX XXXX XXXX NC after the check came back my funds was never available I have prepaid debit account and regular account with palpay it don't show in neither one after I my the online deposit I got a email from them saying I order a XXXX XXXX XXXXXXXX for {$300.00} and it was ship to Ohio I think I been scam my name is XXXX XXXX XXXX and number is XXXX live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC 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 2022-02-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORTS I NOTICED THAT YOU ARE ALLEGING THAT THE FOLLOWING ACCOUNTS ARE NEGATIVE WITHOUT FUNISHING ANY PROOF OF VERIFICATION OF THIS DEBT OR THAT YOU FOLLOWED ALL LAWS AND REGULATIONS TO REPORT THEREFORE YOU MUST REMOVE ALL NEGATIVE AND ADVERSE REMARKS

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