BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Since at least XXXX of 2017, I have been unable to initiate an online dispute with Experian. I do not have the same problem with XXXX or XXXX. I am able to answer my soft-pull identity verification questions with ease. 

I thought that the issue was perhaps that I did not have a very recent copy of my credit report from Experian. On XXXX XXXX, I attempted to request my free annual report thru the online service. I received an error that I would have to initiate the request manually. I received my credit report by mail, and now on XXXX XXXX, I still can not initiate a dispute online. 

I tried contacting Experian by phone. The representative was unhelpful. There is no technical support team to help. Nor is there any other source of information to fix my issue. I even asked for the name of the executive office with which to write correspondence to get to the bottom of this. The representative provided a PO Box for general credit inquiries, completely ignoring my need for higher level assistance. 

I suspect that Experian has blacklisted me from using the online service to initiate disputes. I do not know for what reason, and without correspondence from them regarding the nature of the blacklist, I 'm unable to rectify the problem.

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 2022-02-11
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had a psycho roommate who stole a bunch of my stuff and didnt pay her cleaning fees but I paid my part. I have been telling them since may to stop contacting me as I dont owe them a dime. I constantly am getting calls and emails. On Friday XX/XX/2022 I received an email from them at XXXX est I tried to unsubscribe but link is unable to do so as well. Also I never gave them permission to email. My phone number is on the do not call list as well. Its been almost a year and Im fed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: KS
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 enforce proper security to ensure that my personal and financial information are protected from theft, and thereby divulged my information without my consent. This was reported to me on XXXX/XXXX/XXXX by local news media. I have not taken any action against Equifax. 

In addition, I would report that I completed a credit dispute on XXXX/XXXX/XXXX. Equifax failed to properly follow up on the dispute, and the erroneous claim on my credit has not been investigated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Experian Information Solutions Inc.
State: MI
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:
I have a current auto loan with XXXX XXXX XXXX. They report that I was 29-60 days late for XXXX and XXXX. there was a payment made on XX/XX/XXXX and XX/XX/XXXX and the account in current. I don't understand why they would report that XXXX is XXXX day late and my payment was due on XX/XX/XXXX and XXXX offered me a deferment due to COVID-19. I will provide documents. when I tired to upload the documents with my dispute XXXX would not allow me to access my account. I wasn't able to find my XX/XX/XXXX payment receipt but I have their records and they didn't record that payment until XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax, a company which I do not even give permission to collect my personal information, was breached in a giant nationwide hack. My personal information was included in the hack, putting me at risk for identity fraud and theft. I do not even know to what extent, or I was one of the 200k whose credit card numbers were included in the hack.
I work in software and understand that even the most diligent corporate entities can be breached. However, Equifax is attempting to capitalize on people 's misfortune by aggressively selling their ID protection services on both the website and the telephone to the very victims of this crime. They are also still charging people to freeze their credit in the wake of this emergency.
This unethical behavior coupled with the poor IT infrastructure and negligence is appalling and needs to be stopped. It 's akin to price gouging hurricane victims. 

I also am extremely concerned for my less tech-savvy friends and family who will likely not go check to see whether they are impacted by this breach. Why is n't Equifax proactively contacting people impacted to aid them in protecting their information? Why is n't some systemic credit freezing being done across all impacted parties? 

Equifax does n't even make our credit reports available online via XXXX. You have to FAX or mail in documentation. So monitoring whether our identities are being stolen is going to be nearly impossible. And only one free report a year - how are we supposed to see if it changes?
This thing is a mess. Equifax needs to offer free credit fraud freezes, notify the injured parties, and  offer people the ability to freely pull their credit report for the next year in the wake of this disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On or about XX/XX/28 I sent in several transactions that I either had merchant issues or fraud disputes I had originally sent the dispute to my personal banker XXXX XXXX. which it stated on their website is an option. She did not return a call in regards to my message for 21 days. By that time I had contacted the disputes department to get my problem solved. The call was taken easily. I received paperwork and was required to Pay a notary to notarize my dispute. The branch did not have a notary working, so I wasted an hour driving to the nearest location to me as instructed then having to find a notary of my own. I never received any further information of person that information by fax and mail. Were just about 60 days in I have received no temporary credit to cover the disputes. I keep no money in this account but occasionally somethings slips through and further adds fees. However if the money that shouldve been returned my account weeks and weeks ago were there these fees would not be there. Cell my complaint is I have tried to call XXXX XXXX as listed on their website that I can do in regards to my dispute, But she said XXXX unable to do anything and then I have to call the dispute phone number. I have called three times in the last week each time on hold for an hour and at approximately one hour their system hangs up my call.

1. I need bbt to do what theyre supposed to do.

2. I need my money. 
3. I need itll be able to communicate with my bank.

4. I want this to all be over because now I need to close my account because this is a nightmare. But Im Held hostage to this Account for the time being.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My personal information was compromised in a hack of Equifax 's data. My information was apparently compromised because of a lack of adequate encryption of Equifax 's data, allowing PII to be stolen and viewed.

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:
My data was " potentially '' stolen as part of the recent Equifax security breach. 

I 'm also appalled that they try to trick you into signing up for " Identity Protection '', and waiving your legal rights to sue the ever-living XXXX out of them. 

If you use their website to check if your data was stolen, DO NOT SIGN UP FOR ANY SERVICES.
Request a 90 day fraud alert from any of the big three reporting companies, and do nothing else, unless you want to freeze your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CO
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:
A data breach of Equifax resulted in the disclosure of my highly sensitive personal information entrusted to Equifax. Equifax was negligent in their storage of my data and is responsible for its protection. They have made no attempt, to my knowledge, to contact me, and evidence suggests that they were aware of the data disclosure for months yet did nothing about it to protect me.

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:
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 '' site 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 2017-09-08
Company: EQUIFAX, INC.
State: OR
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 credit reporting information was improperly shared without my consent by Equifax due to a technological oversight which lead to perpetrators being granted access to credit data. This includes my social security number, date of birth, home address, credit card numbers, and social security numbers. 

Not only was my information improperly shared, the fact that it had been shared was concealed for over one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: KeyBridge Medical Revenue Management
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Keybridge Medical Revenue Care mailed a letter to me that I received on XX/XX/21. This was the first letter I had received from them and by XX/XX/21 they were reporting on my credit as a collection. The letter I received from them states : We ask that you come into our office located at XXXX XXXX XXXX XXXX, XXXX, OH regarding this account. If you wish to make a payment, we accept for your convenience, Visa, Mastercard, XXXX, check over the phone or personal check or money order by mail. This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

No where does it give me any information or option to dispute, nor did it give me time to before they through it on my credit. I believe this to be 100 % intentional because I am trying to secure a mortgage. And I'm trying to secure a mortgage so I can live closer to where my kid is receiving XXXX  treatments, 2 hours away from my current residence. 

This is ridiculous and predatory. I was never given a chance to dispute or address this medical collection before they demand I drive to XXXX  ( I live in PA  ). 

I would like this removed from my credit report immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: 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 '' site 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 simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company. 

It is further unreasonable that in order to find out if we were effected by the hack, they are requesting we give them our sensitive personal information AFTER we know they are not capable of keeping it secret. They should be directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OR
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 did not realize the Equifax had been compromise. I believe my ssn has been compromised. I checked on their website on XXXX XXXX and it said I may be at risk. I did not give them permission to release me private data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a small loan about 3 months ago, on a 2 year loan term. I took advantage of the 3 months interest free, if the loan was paid off in full within that time. I successfully complete the obligation on the loan. A review of my Equifax credit report showed that positively paying off the loan within the terms of the loan agreement dropped my overall credit rating from Good to Fair, and dropped my credit score by XXXX XXXX. Now, in the process of refinancing an auto-loan, Ive lost the improved interest rate I would have attained under a rating of Good to where I have to accept a higher interest rate or decline the loan, for the positive completion of another loan, within terms. 

Im discussing this issue with Equifax, they tried to point me to a credit counseling service. Instead. I wanted someone to explain their algorithm for how the positive settling of a loan had such a drastic and negative impact on my score and rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My account was credited XXXX $ and that got sent to 2 different people I was scammed into being a money mule and Ive tried to contact chase and work out what I could do and they just say they dont see anything but I get letters from J.P. Morgan and on my app saying that they are requesting the XXXX $ back I dont have and Im in the military and joined account with my dad I have all the information of the other person that I need

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions 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:
Just recently I sent you a letter to reinvestigate the inaccurate and incorrect items from my file, but your reinvestigation doesn't resolve my concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: Experian Information Solutions Inc.
State: CA
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: Other problem getting your report or credit score

Complaint:
There was a major security breach at XXXX. I found out about this on XXXX today ( XXXX XXXX, XXXX ). Not from the company, not from any other bureau, but on XXXX ( thank you XXXX ). I checked XXXX and it told me my information was likely compromised, but that I should contact them on XXXX XXXX, XXXX to take further action. At that point I decided to freeze my credit through XXXX, Experian, and XXXX. Not only is this inconvenient for me, but I had to pay a total of {$20.00} to do this. So, in essence, I am having to fund the company that lost my information in order for them to agree not to further release my information. That is unacceptable. 

I also find the entire credit reporting racket to be unacceptable. We can not track our own credit scores without paying for a service. We can only get credit reports for free once a year. There are no posted guidelines on how to improve your score because each place has their own proprietary way of handling things. 

Identity theft is just going to get worse if we insist on having everything tied to a social security number. Giving these credit bureaus full control over all the buying power of Americans, without them having to say how to improve your standing is also terrible. This should be a wakeup call that this needs to change. It is only going to get worse if it does n't.

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 2021-08-26
Company: Army and Air Force Exchange Service
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XX/XX/2021 I ordered a 'Built-in '' " Natural Gas '' grill from AAFES and used their Military Star credit card for the purchase. I specifically ordered the built-n and natural gas version of a XXXX XXXX XXXX XXXX. When I went to install the grill it was a " Roll-in '' and " LP '' grill. I called to have the grill replaced with what I ordered however AAFES was out of stock and could not find a replacement for me. I provided all the details they asked me for and I sent the pictures they requested. I was promised a phone call in a few days when they arranged a carrier to pick up my grill. 

Beginning the last week of XX/XX/2021 I had to call AAFEs every 3- 4 days through the 1st week of XX/XX/2021 ( 7-weeks ) and every phone call followed the same format. 1. ) They would review the previous notes and apologize that they never completed the return process. 2. ) They would put me on hold for long periods of time to discuss it with management. 3. ) They would get back on the phone or management would get on the phone and assure me and promise me that they would arrange for a carrier to pick it up and call me with that information. They never called me with the information and this process would repeat over and over. 

I offered to take the grill to the exchange at XXXX XXXX, XXXX, NC for them. Once I was told they would look into it and the 2nd time I was callously told to call XXXX XXXX exchange myself to arrange this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
There was a major security breach at XXXX. I found out about this on XXXX today ( XXXX XXXX, XXXX ). Not from the company, not from any other bureau, but on XXXX ( thank you XXXX ). I checked XXXX and it told me my information was likely compromised, but that I should contact them on XXXX XXXX, XXXX to take further action. At that point I decided to freeze my credit through XXXX, XXXX, and TransUnion. Not only is this inconvenient for me, but I had to pay a total of {$20.00} to do this. So, in essence, I am having to fund the company that lost my information in order for them to agree not to further release my information. That is unacceptable. 

I also find the entire credit reporting racket to be unacceptable. We can not track our own credit scores without paying for a service. We can only get credit reports for free once a year. There are no posted guidelines on how to improve your score because each place has their own proprietary way of handling things. 

Identity theft is just going to get worse if we insist on having everything tied to a social security number. Giving these credit bureaus full control over all the buying power of Americans, without them having to say how to improve your standing is also terrible. This should be a wakeup call that this needs to change. It is only going to get worse if it does n't.

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