BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: NC
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 #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' si
te 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.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: JPMORGAN CHASE & CO.
State: OH
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:
I am getting constant, sometimes twice weekly in the mail, offers of Chase ink Business Preferred Visa card. I am on the permanent list to not get credit card offers plus I have call them stating I am not a business nor do I have a business. I have called a second time simply stating nicely I do not want, nor would I ever ever apply for their card. I feel harassed by Chase. Please make them stop sending the XXXX offers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to take the FTC up on their offer for a free annual credit report from all 3 companies by following the link provided, and the instructions per link. 
1. The first time I got as far as filling everything out and clicked submit. The screen went white and stayed white. I refreshed after several minutes and there was a message saying unable to do at this time, and to call the number listed XXXX to report. I did and a woman says it will take time through the mail but will only provide Equifax. 
2. I tried again and filled out everything, clicked submit, and was a message from XXXX XXXX saying it could not be done at this time because of the data received. It would not tell me what data, nor allow me a way to fix or obtain the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: Collection Bureau of America Ltd.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Consumer Finance, On review of my credit reports I found out I had a collection from CBA COLLECTION BUREAU OF AMER - Original creditor XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/2017 in the amount of {$4400.00}. 

I have challenged this with the 3 credit bureaus as well as the original creditor and as well the collection agency- to prove this is my account and I owe this amount. 

I have yet to receive any proof. 

I have asked the 3 credit bureaus to remove from my credit reports and its still not done. 

This is not a valid debt I owe. 

I will attach the documents I have mailed everyone via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez LLC should not be in the loan servicing business. At best, they do not have the systems in place to provide even basic mortgage servicing, at worst, they are actively predatory. 

They purchased our loan several years ago, and we have had nothing but trouble since. This month was particularly egregious. We received a letter from our homeowner 's insurance this week stating that they had not received payment since at least XX/XX/2021 and our insurance coverage ended in mid XXXX because NewRez had not paid them. It is now XXXX, so we were unknowingly without home insurance for half of XXXX, all of XXXX, and now half of XXXX. We contacted NewRez to find out why they had not paid, as we have an impound account with them and they are responsible for paying our homeowners insurance from it. It took transferring to several people before they agreed that yes, they were supposed to be paying our homeowners insurance and hadn't. They promised to cut a check that day and overnight it to XXXX, as XXXX was going to terminate us as a customer permanently if they didn't receive a payment within a week. 

That was Wednesday, XX/XX/XXXX. We called again today, Friday, XX/XX/XXXX to confirm it had been done, and it had not. 

Last year, we had a similar problem, but the opposite. We were up to date on our home owner 's insurance, but every month, NewRez would send us a threatening letter, telling us that we were without insurance and if we didn't pay them immediately, they would purchase a new and very expensive policy from some unknown insurance company on our behalf. Each month, I called NewRez to say that we were up to date with our insurance. They would call my insurance agent, find out that we were, and apologize, saying they would correct our records, and yet, it happened month after month. I had to contact them repeatedly, on the phone and through the mail, for months before they finally stopped harassing us.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Was diagnosed with XXXX  and was ill. Called to make payment after recovery, autoamated system did not record payment. 
Original payment submited XX/XX/2020 recorded XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Bread Financial Holdings, 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:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX  XX/XX/XXXX, Comenity Bank/XXXX XXXX, and XXXX XXXX. The Account Opened is XXXX XXXX XX/XX/XXXXAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Comenity XXXX/XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2018, I had called Equifax customer service number to ask about some items that are on my credit report. I was on the phone with the representatives for over an hour, they were asking me so many personal questions to verify my personal information before they speak to me about my account, they kept telling me the information that you gave us doesn't match what we have on file so therefore, they can't speak to me. I asked to be transferred to a manager, instead I was I transferred to a supervisor, I asked for his full name, he would not provide that to me, he stated that his name is XXXX and that's all he can give me. He would not speak to me about my account or answer my questions. It is unacceptable for them to keep me on the phone for over an hour and not give me any information, they kept telling me they can not speak to me because I failed to answer the verification questions even though I gave them all of the correct answers about my personal information. They are very rude and no one there was able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Netspend Corporation
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
There is an account made with my information. I have not signed up for netspend. My information is XXXX XXXX XX/XX/1995 ( 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 2022-06-16
Company: Franklin Collection Service, Inc.
State: OH
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:
on XX/XX/22 I noticed my credit score dropped XXXX points due to Franklin services adding an account for {$150.00} from XXXX XXXX XXXX. I called and spoke to XXXX XXXX XXXX  and they confirmed I do not owe them for any services. I called the credit agency that is reporting it-Franklin services and explained to a supervisor XXXX that this is a mistake. It is reporting on my credit report incorrectly as an unpaid balance when I do not have any unpaid balances with XXXX XXXX  XXXX. It is showing as a chargoff/derogatory account. They never attempted to even contact me prior to this to try to collect. If they would have attempted to contact me by phone or mail, I would have had the opportunity to explain to them the situation before they put it on my credit report. This violates my rights as a consumer and clearly shows shady tactics by this company to unfairly collect a debt without giving me the opportunity to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: JPMORGAN CHASE & CO.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2021, at approximately XXXX Am I called Chase bank to discuss a charge reversal for an online purchase. The XXXX phone operator instructed me that I needed to speak with XXXX to pursue the dispute. I then googled the XXXX customer service number and called the number that come up in the search ( XXXX - XXXX - XXXX ). I was instructed by the person that represented themself as the XXXX customer service representative that for them to help me with my refund that I would need to follow instructions such as downloading and application onto my computer so they could help with my charge reversal. 

I followed instructions as I was under the impression that I was speaking with XXXX. They told me that my computer screen would need to be turned off remotely during the refund. I was then held up on the phone waiting for upwards to 1 and 1 1/2 hours as the XXXX '' impostor instructed me that this was a necessary part of the refund process, telling me that their server was being slow, etc. Making various excuses to make me wait longer. Eventually I became frustrated and asked the person to stop helping me and let me go from the phone call. I realized that I could turn my computer screen back on by brightening the screen and I witness unauthorized activity happening in my online bank account. I ended the call and saw that my Chase bank account was missing {$4900.00} worth of funds had been wired transferred from my account without my authorization or consent. I immediately called Chase to freeze my account and file a claim. I made an appointment the next day to close my account and open a new one. Chase then sent me a claim denial letter stating We are denying your claim because during our review we found that you did not take the appropriate steps to protect your account from theft or unauthorized use. We will not reimburse your account. I visited a Chase branch and requested that my claim be reopened and filed a Police report with the XXXX Police Bureau. Chase then denied my claim a second time without allowing me to submit my police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am being XXXX XXXX and forced to pay for a debt that I did not create. See attachment. Account # XXXX # 1 ) Name the lender XXXX XXXX XXXX received the transfer of the account from prior to XX/XX/XXXX? 
# 2 ) What was the amount of the transfer? Was it a credit purchase or acquisition?
# 3 ) XXXX XXXX XXXX in XX/XX/XXXX transferred the account to whom? Was the account paid for by credit or acquired as in the purchase of the debt? 
# 4 ) XXXX XXXX XXXX informs that they hired XXXX XXXX XXXX XXXX to service the loan and claims to have transferred the loan to a lender, please name the lender the  account was transferred to?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: CT
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 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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 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 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 2022-06-16
Company: Experian Information Solutions Inc.
State: CT
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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Legal action will be taken if a validation with all requested documents is not made available immediately.I filed a previous complaint with American Adjustment Bureau. I have still have not received validation of debt for this procedure XXXX that I did not authorize nor was it cleared by my XXXX I only agreed to have a regular cleaning and that's what I was booked for which is covered one hundred percent by my insurance carrier. Please provide a validation of debt via email with all supporting documentation along with my authorization for this invasive procedure and my signature on an estimate of additional charges which is required by my dental insurance company This information can be sent to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is inaccurately and erroneously reported. I want to request for an investigation of this account. Please confirm the information shown in these collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. These accounts were already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the XXXX Credit Bureau is legally allowed to report these on my credit report. If unable to, remove the accounts immediately. ( I C SYSTEM ( XXXX XXXX XXXX ) ***** Opened date : XX/XX/2021 Balance {$1100.00} ) This company is attempting to collect on an out of statute debt. This is against the law, per the Fair Debt Collection Practices Act. Perhaps that doesnt matter to you, but it matters to me. In addition, this company has chosen to illegally add fees, clearly in noncompliance with the Fair Debt Collection Practices Act. Please provide proof that this account belongs to me along with documentation stating your FCC clearance and that you have not abrogated my rights in reporting this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX XXXX  # XXXX Experian, XXXX XXXX XXXX XXXX in violation under Consumer Credit Reporting act 15 U.S.C 1681 section 602 A. States I have a right of privacy 15 U.S.C 1681 Section 604 2 it all states a consumer reporting agency can not furnish a account without my written instruction this is th 3rd attempt I disputed please honor my right, and remove this from my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 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 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 2017-09-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
EQUIFAX credit bureau was hacked during XXXX XXXX and this information was not made public until XXXX XXXX. The companies solution to this problem was to offer free credit monitoring services to the 143 million individuals that were possibly hacked and to anyone else for a period of one year. The problem is that after that 365/66 day period, you would start being billed for the service if you did not contact them 30 days prior to the service expiring. Additionally, if you take advantage of this free service, you preclude yourself from being a member of any class action suit that may result from this breech. Basically, the company will end up making money out of this and after a year of their free service, your information will still be out there forcing you to partake of the services of their company or one like them. This is a lose, lose situation for the consumer and government needs to step in and do something about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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 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