BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
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: Credit inquiries on your report that you don't recognize

Complaint:
ATLDISCORP - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX XXXX XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX FINANCIAL Auto Financing XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Auto XXXX, New XX/XX/2022 Experian CAPITAL XXXX AUTO FIN Auto Financing XX/XX/2022 XXXX XXXX Auto Financing XX/XX/2022 XXXX FIELDSASHL - XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XXXX - XX/XX/2022 Equifax XXXX XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XXXX Auto Financing XX/XX/2022 XXXX XXXX OF XXXX Auto XXXX, Used XX/XX/2022 XXXX XXXX XXXX XXXX Auto XXXX XX/XX/2022 XXXX XXXX FINANCIAL Auto Financing XX/XX/2022 XXXX GLOBAL LENDING SERVICE Auto Financing XX/XX/2022 XXXX XXXX OF XXXX Auto Dealers, New XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Finance XX/XX/2022 XXXX XXXX XXXX Auto XXXX XXXX XXXX XX/XX/2022 Experian CAPITAL XXXX AUTO XXXX Auto Financing XX/XX/2022 XXXX XXXX XXXX Auto Dealers, New XX/XX/2022 XXXX XXXX Auto Financing XX/XX/2022 XXXX FIELDS XXXX Auto Dealers, New XX/XX/2022 XXXX XXXX OF XXXX Miscellaneous Automotive XX/XX/2022 XXXX XXXX OF XXXX Auto Dealers XXXX New XX/XX/2022 XXXX XXXX Auto Financing XX/XX/2022 XXXX XXXX Auto Financing XX/XX/2022 XXXX XXXX CRE Auto Financing XX/XX/2022 XXXX XXXX XXXX Auto Financing XX/XX/2022 XXXX XXXX Auto Financing XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act there are several accounts attached that have 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 an account without my written consent.

15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I havent given anyone written permission to furnish these accounts on my credit report.

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 2022-06-17
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act, Experian has violated my rights.

15 U.S.C 1681 Section 602 A states I have the right to privacy, Experian is reporting incorrect addresses, as well as old addresses that I no longer have access to the mailbox. These actions are potentially putting me at risk of being a victim of identity fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: WI
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 XXXX XXXX, I utilized Equifax for a credit report, as I do every few years from this company. In light of the recent cybersecurity breach, I chose to check if my data was compromised via the website www.equifaxsecurity2017.com. After supplying my information ( much to my hesitation ), I received the following message : Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident.
Click the button below to continue your enrollment in TrustedID Premier.
[ Enroll ] For more information visit the FAQ page.
In no way did I authorize for Equifax to distribute or make available my personal information. Historically, I have submitted my personal information, including but not limited to my name, DOB, SSN, addresses, and drivers license numbers to Equifax in secure sessions in order to obtain my credit report.
According to the FTC, this breach lasted from XXXX until XXXX. As a trusted credit reporting agency, Equifax should have notified impacted consumers as soon as the breach was known, so that they would be able to take decisive and proactive measures. Instead, consumers such as myself will have to act in fear and with the potential for significant losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX I received a letter from Champion Mortgage that they did not have proof of payment of my XXXX XXXX XXXX. Proof was faxed to them on XXXX. 

I further received notice that they had not received my occupancy status confirmation. That was sent to them on XXXX. 

Also, " on my behalf '' they have paid {$3800.00} for my XXXX XXXX tax and demand full payment by XXXX. This tax is not delinquent and is not even due till XXXX. I received no advance notice of this and do not have an agreement with XXXX to pay taxes, XXXX did not answer my phone call of XXXX and on XXXX a recording stated that they were closed. On XXXX I called and XXXX, from XXXX, confirmed that they had received the XXXX tax information and the occupancy status reports and she would call me about the XXXX tax bill. NO call has been received. 

NOVAD was contacted and information was faxed to them om XXXX. On XXXX I called them for an update. They said they never got the info. It was then emailed to them with XXXX : XXXX XXXX. 

Emails have been going on since then with no progress being made. It is now the due date! 

No company has the right to demand any payment that is nor delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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, USDOEXXXX, 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 2022-06-17
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # 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 2022-06-17
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I watch many XXXX bloggers and have participated numerous times in contests and have won. However, on XX/XX/12, while watching a XXXX XXXX, XXXX, received a message from someone posing as her, telling me that I was the winner of an IPad for comment and supporting her blog. She then asked me to respond to her on XXXX. The message had her picture. I did this. Then they asked me to show where the message said I won, which I did, then asked if I would pay shipping, which I agreed. They said they accept PayPal, Venmo etc, so I agreed to PayPal. PayPal refuses to investigate or open a fraud case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had XXXX XXXX as my television service but there was a fire in my house. The box that i had of theres was destroyed in the fire. There was nothing for me to return and they don't reuse the boxes anyway i was told. The insurance company should pay for the box if anyone but they put a collection on my report and are continuously attempting to collect a debt that i don't owe. I have tried to resolve this with the credit bureaus but had no success. Please help me get this removed from my report. I don't feel it is my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
I disputed a {$650.00} transaction to American Express in XXXX of 2020 for a transaction that occurred in XX/XX/2020. American Express has continued to close, reopen, close, reopen my case multiple times with no resolution. They continuously tell me that they will have it resolved in 15-60 days but it never happens. The last time I went through this they wanted me to upload a document to their website. However, their website does not allow videos ( it was a voice recording at night where you can hear the bats that are still in my house ). I called back in again explaining and they said oh yes that's just the way it works. I asked for a manager to call me back. They promised one would and then never followed through. It is not right that I am having to dispute this EIGHT months after I originally disputed it. They have not listened to what I have stated multiple times - there was a one year warranty - not on the quarterly pest control services ( they continuously have gotten this mixed up with the {$80.00} dispute I filed at the same time ) - on removal of the bats. It states, " When requested by the customer or deemed necessary by the company additional treatments for wildlife services covered under this agreement will be promptly rendered between regularly scheduled services at no extra charge ... '' I called the company about 5 times between XXXX and XXXX because the bats did not go away. They came out each time - until the last - when they stopped coming or calling. ( A separate part of the company in charge of quarterly pest control called about coming by for their service but never about the wildlife program. That one call and one text which I have proof of were related specifically to pest control - NOT wildlife. ) Please make American Express do the right thing. I have spent in excess of 40 hours trying to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: BANK OF THE WEST
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My wife and I relocated to XXXX, Colorado in early XXXX this year. We submitted an offer on a house in XXXX XXXX and started the process of mortgaging it through Bank of the West. When the mortgage seemed to stall, I asked why and was told the appraiser issued a statement that the house we selected was so remote and surrounded by mountains that there could not possibly be a comparable. Strangely, the house is located within the XXXX city limits. After the appraiser made that statement, the bank selected another appraiser, who showed up to look at the house the evening she was selected and then went dark. The bank told me that because of federal law, they are unable to speak to the appraiser and therefore were unable to determine when the appraisal would be complete. The delay resulted in the bank telling me they were unable to close on the date near the end of XXXX, XXXX originally selected. They pushed the closing to XXXX XXXX, but told me they had no way of knowing whether they would be able to close on that date either. As an alternative, the bank recommended that I pull sufficient funds to pay cash for the house from my IRA and then proceed with the refinance process, which would be at a higher interest rate. I said I would wait a few more days, but if I had no alternative to using IRA funds, I would pursue the remortgage process through another bank. On XXXX XXXX or XXXX, we closed on the house using cash from my IRA. I immediately pursued a refinance through another bank. They selected a new appraiser who came to the house a couple days after we started the refinance process. He warned us that he did not think the house was worth what we paid for it. When the appraisal came back, the value was {$19000.00} less than we paid for the house. I called Bank of the West and our realtor and told each of them my greatest fear in closing on a house without an appraisal in hand came true. We had to come up with an additional {$19000.00} to close on the house in order ensure we had 20 % down on the house. If this experience was related to requirements of the Dodd Frank Act as I was told by the bank, I am very disappointed because it means we were punished by federal law rather than protected by it. If, on the other hand, Bank of the West did not do what it should have done to ensure our loan closed on time, I believe this situation needs to be checked into. If the problem is related to issues with appraisers in Colorado, I would like to have that checked into. I have owned several houses in different states and have never had an experience even approaching this one.

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 2022-01-17
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This debt is invalid. The account was put on hold with the medical service provider while the provider reviews the account with the health insurance provider. I have spoken with the business office for the service provider ( XXXX / XXXX XXXX ) and they have confirmed that no account in my name has been sent to a debt collector. I have repeatedly advised the debt collector that the debt they seek to collect is invalid, disputed the collection, requested proof of the debt based on their information and asked them to stop calling. They continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2022, I went to change the last name on my Bank of America accounts to my married name. My name has already been updated with social security and through the State of XXXX. I have a social security card and driver license with the new name, plus an imaged copy of my marriage certificate. The original marriage certificate is with the passport office so a new passport may be issued. I will not receive the original certificate back for several weeks. Bank of America will not update the name on my account without the original marriage certificate, despite my legal identification documents showing the new name. This goes above and beyond what is required for a Customer Identification Program under the Patriot Act Based on a XX/XX/2022 press release issued by the CFPB discussing unfair discrimination in consumer finance ( https : //www.consumerfinance.gov/about-us/newsroom/cfpb-targets-unfair-discrimination-in-consumer-finance/ ), I believe Bank of America 's practice to require a marriage certificate for a name change treats women unfairly based on sex and familial status.

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 2022-01-17
Company: TRANSUNION INTERMEDIATE 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 is missing that should be on the report

Complaint:
Hello, My name is XXXX XXXX. Im trying to solve the problem with my incorrect credit score. Here is the situation : I opened my credit card at XXXX XXXX in XXXX and after 6 months of opening it I started to see my XXXX score ( which was reported from XXXX ) on my XXXX XXXX XXXX. When I opened the card I didnt have SSN, however, as soon as I obtained my ssn in XX/XX/XXXX I updated my personal information and added it to my XXXX XXXX XXXX. After obtaining my ssn I also opened XXXX, XXXX, and TransUnion accounts to see my credit score. However, Transunion doesnt have my XXXX XXXX XXXX XXXX on my profile. It only has one credit card from XXXX which was opened less than 6 months.

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 2022-06-17
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:
In accordance with the Fair Credit Reporting act there are several accounts attached that have 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 an account without my written consent.

15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I havent given anyone written permission to furnish these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX 2017 I sent a letter to this collection agency referencing an alleged debt in the amount of {$2500.00}. I sent specific request for verification of the alleged debt they said I owed. The Collection agency returned a statement showing the alleged account was opened in 2017. I have no such knowledge of ever opening any account with alleged creditor or collection agency. 

I also sent written request for collection agency to provide documentation of : signed contract by me of the alleged account, verification from original creditor of date of initial and last payment of alleged debt, documentation collection agency purchased the alleged debt from original creditor to include a copy of agreement and or contract. 

The written request from me to the collection agency clearly communicated supporting documentation needed to support their claim. The requested documentation was not returned. This is why I am requesting the assistance of the Consumer Finance Protection Bureau.

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

Complaint:
On XXXX/XXXX/XXXX, I learned about the Equifax hack that compromised 143 million people through the internet. The company took ZERO steps to let potential victims know that their information could have been compromised. 

Unfortunately, I am one of those people after looking at my credit report on XXXX/XXXX/XXXX with a different company. My information was used to get insurance on XXXX/XXXX/XXXX. I am currently having this be disputed by the different company as well. 

I understand that fraud can happen to anyone if you 're not careful, but in this situation, it is not my fault. The fault is on the company who did n't share the initial news back in XXXX. 

Had Equifax been upfront on the breach, I would 've instantly placed the initial fraud alert and the business that happened on XXXX/XXXX/XXXX would 've been prevented. But no. Instead, Officers of the company sold their stocks and the breach was n't found out until XXXX. Now I have to file a police report and extend the alert to 7 years and continuously do so after ; that information can be used all throughout your life, and I refuse to have my identity repeatedly stolen because of the negligence of others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS 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 non-monetary relief