BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-10
Company: C/C Financial
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I contacted Merchants Preferred now XXXX Preferred Lease to discuss the balance owed and to create a payment plan. I was in direct contact with a customer account specialist named XXXX XXXX who was able to send me a spreadsheet containing payments made towards the account. We discussed that I will review the spreadsheet and contact her with an amount that I can pay towards a payment plan and what it would look like. 

When I tried called Preferred Lease on XX/XX/XXXX ; I was on hold for approx one hour and never could reach a live customer agent, I tried again on XX/XX/XXXX and was on hold for yet another hour with no live customer agent. I sent emails inquiring about making a payment plan that went unanswered ; I decided to refocus my attention towards paying other debt that was more responsive. 

On XX/XX/XXXX, I received an email from Preferred Lease with the subject line reading " Use Your Stimulus Check and Settle Your Account ''. The email contained a settlement offer of {$740.00}, I sent them an email on XX/XX/XXXX stating that I did not want to settle, I would like to pay off the entire balance in full. I never received a response back from my email ; I tried placing calls, once in XX/XX/XXXX and again sometime in XX/XX/XXXX. During the calls, when I pressed to speak with a customer representative, it will say all agents are busy with other customers to please stay on the line. it will repeat that phrase twice and then it will state that they are experiencing technical difficulties at this time, goodbye.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX  XXXX XXXX Na 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 2022-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
i make a dispute already for some transactions not make or authorized by me and bank of america denied my claim 2 times already

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: 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 did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: TRUIST FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've had my mortgage with SunTrust Mortgage bank and they merged with Truist this year. I received a letter from my insurance carrier that my insurance due in XXXX wasn't paid. I tried to call the phone LISTED on my statement and patiently went through all of the prompts to get to the insurance/escrow portion of the " press 1 navigation '' and it said I was being transferred and the another recording come on that said this number is no longer is service and gave me another number and the message said the number so incredibly fast there is no way I could write down the10 digit number, the number wasn't repeated and my call was ended. I heard the first 3 digits of the phone number that the speed reader said and the prefix ISN'T on my statement., the number I called is. Of course TRUIST is closed on the weekend which I think is horrendously bad service because I can't get to a phone where I can spend 20 minutes navigating something that's clearly Truist 's fault. I've had the same insurance company and lived in the same house for 22 years, I've never missed an insurance payment. When you merge with another lender you should be better than this and make sure the numbers on the statements are correct. I live on the XXXX XXXX - their customer service hours don't work half of the United States- we are all on the 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 non-monetary relief
Consumer complaint received 2022-02-08
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: Account information incorrect

Complaint:
I am writing to dispute the following information that XXXXXXXX XXXX Account supplied your company. I have highlighted in yellow the items I dispute on the attached copy of my credit reports. 


This account was verified & accurate, however there are several inaccuracies on this account being reported. All the bureaus are reporting different information. Also, on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 I disputed XXXX XXXX  Account. However, the Date Updated did not change. It appears that no investigation was done. I am requesting deletion because the procedures were not followed outlined in the FCRA. 

Transunion has committed several FCRA violations by not conducting a thorough investigation and by also reporting inaccurate information 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 2022-07-10
Company: EQUIFAX, INC.
State: NY
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/2022 ive disputed these accounts with XXXX, equifax, and XXXX i received no response or results on any investigation that i requested. i requested for them to validate 2 collection accounts on my report which they failed to do in the 30 day investigation period.i also requested that they update my personal information and remove all inaccuracies from my report. they have failed to investigate and comply with my instruction to remove all inaccuracies XXXX instead tried to send me a stall letter accusing me of using a third party to contact them which has nothing to do with the investigation i requested for these accounts .i dont appreciate them ignoring my request and violating my consumer rights by failing to respond in the 30 day investigation period.XXXX  especially, continue to violate my consumer rights by trying to stall to buy them more time to discourage me from my rght to disputing these accounts that are a defamation to my character .according to the federal credit law spelled out in the FCRA, a credit bureau is required to respond to you and complete their investigation within 30 days.if they do not respond within this time frame, they must remove the negative and inaccurate listings disputed.it as been 47 days since ive disputed and ask for an investigation, which is a blatant violation of my consumer rights.i would like these inaccuracies to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: GA
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 security breach and website is unable to authenticate me to allow me to place a credit lock. I tried calling and was unable to get through to anyone who could help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Genesis Credit Management, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sent a collection letter on XXXX XXXX from a company called Genesis Credit Management saying I owed money to a company called XXXX XXXX XXXX. I have never done business with a company by the name of XXXX XXXX XXXX and there is absolutely no way they can produce a contract or agreement with my signature that says
otherwise. The letter stated that I owed over 2k in charges that I had never heard about and that I frankly, do not owe! I sent off a letter requesting validation. Needless to say, I have not received it but I monitor my credit closely and tonight I received an alert about a new collection account on my credit report from Genesis Credit Management reporting that I owe this debt. That is against the law. They are in direct violation of FDCPA Section 809 ( b ) because they reported it anyway without validating and FDCPA Section 807 ( 8 ) because they reported it and did n't report it as disputed. I have the documentation to back up my claims of validation, that it was disputed within 30 days, when it was sent and I also printed a copy of my credit report tonight and
how its currently reporting in case litigation has to take place. I 'm hoping we can get this resolved swiftly and without legal recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MD
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 allowed my information and the information of millions of Americans to be lost in a security breach. In addition to abusing the trust of the American people, they have sold stock before the information was released and are offering fraud protection in exchange for the right to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: TD BANK US HOLDING COMPANY
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: Their investigation did not fix an error on your report

Complaint:
This account has been fraud since XXXX. Im not sure why they insist to keep putting on my credit. Please I request this be deleted immediately. Ive tried every Angel to have removed without luck. There has been XXXX report sent in an person in XXXX I want this deletes now. 
The next steps is hiring an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: NY
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/2022 ive disputed these accounts with XXXX, XXXX  and experian. i received no response or results on any investigation that i requested. i requested for them to validate 2 collection accounts on my report which they failed to do in the 30 day investigation period.i also requested that they update my personal information and remove all inaccuracies from my report. they have failed to investigate and comply with my instruction to remove all inaccuracies XXXX instead tried to send me a stall letter accusing me of using a third party to contact them which has nothing to do with the investigation i requested for these accounts .i dont appreciate them ignoring my request and violating my consumer rights by failing to respond in the 30 day investigation period.XXXX  especially, continue to violate my consumer rights by trying to stall to buy them more time to discourage me from my rght to disputing these accounts that are a defamation to my character .according to the federal credit law spelled out in the FCRA, a credit bureau is required to respond to you and complete their investigation within 30 days.if they do not respond within this time frame, they must remove the negative and inaccurate listings disputed.it as been 47 days since ive disputed and ask for an investigation, which is a blatant violation of my consumer rights.i would like these inaccuracies to be removed from 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 2017-09-09
Company: Experian Information Solutions Inc.
State: CO
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:
Because of the data breach at equifax, I am putting a freeze on all 3 credit bureaus.
I had no trouble doing this with both XXXX and XXXX. BUT.. experian is causing me trouble.
I entered all the correct data on their website. But..they claim I did n't answer a question. Correctly. When I looked for more information ... I was told the question about a vehicle I purchased prior to XX/XX/XXXXwas incorrect.
Well..I am XXXX  years old. I have owned a XX/XX/XXXX, a XX/XX/XXXX, XX/XX/XXXX a XX/XX/XXXX a XX/XX/XXXX a XX/XX/XXXX a XX/XX/XXXX, and a XX/XX/XXXX. But..they only want one. Which one? I think I guessed wrong. How in the world can anyone my age ever get this right?
Also..the question about phone numbers ... 3 of the possible answers were correct ... which one do they want? 3 are true.
So..now they want copies of my current utility bills to prove my current address. I have been the sole caregiver for my elderly parents for the last year ... the bills are all in their names.
How do I get thru to them? I need to see what is on my report and I need that credit frozen.
Every other redit report bureau had no trouble with my info ... geez ...
Please help!
Contact me at XXXX. Or by phone. XXXX XXXX I am really worried that the timing I. This is very important Thank you, - 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 non-monetary relief
Consumer complaint received 2022-07-10
Company: TD BANK US HOLDING COMPANY
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: Their investigation did not fix an error on your report

Complaint:
This account has been fraud since 2019. Im not sure why they insist to keep putting on my credit. Please I request this be deleted immediately. Ive tried every Angel to have removed without luck. There has been olive report sent in an person XXXX XXXX I want this deletes now. 
The next steps is hiring an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I have supplied Transunion Credit Reporting copies of my identity. including government issued photo identification, social security card and a copy pf my police report. Additionlly, a copy of my FTC fraud report. My request has been for Transunion to complete a thorough investigation from " XXXX XXXX. In which, is a fraudulent account reporting into my credit profile. I have asked Transunion to investigate for validation method not Verification. Transunion has accepted a bill from XXXX XXXX rather then validation of my identity. Considering, I am a victim of identity theft, I have requested for XXXX XXXX to supply myself as well as Transunion copies of my social security card, contract signed by myself, photo ID. XXXX XXXX has only submitted a billing statement. Transunion continues to report fraudulent, incorrect activity into my credit profile. I would like for further investigation to be completed.

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: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Equifax breach of my information was not reported in appropriate time and executives sold stock prior to announcement of the breach making me at risk

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In an attempt to place a protected consumer freeze on a minors account, my son, I sent required documents to Transunion on XXXX XXXX, XXXX. Received a letter stating they had received all required documents, not including {$5.00} fee. I sent a check with all those documents. Attempted, 3 phone calls on Monday, XXXX XXXX, XXXX, none of the documents can be located. This is such sensitive information and should be a way to contact the United States Office of Transunion. I kept getting disconnected every time they transferred me. Three numbers I called were, XXXX, XXXX and XXXX to no avail. Now with my sons information and mine floating somewhere at TRansunion ( or not, since no-one can locate it ) it is a security risk. Such poor handling of sensitive information.

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 2020-04-23
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My account was permanently limited for some reason and Paypal advised me that my funds would be available for withdrawal after 180 days On the XXXX of this month they sent me a mail that my funds were eligible for withdrawal. However when I try to withdraw the money the transaction of XXXX XXXX keeps getting declined. I contacted them about this and they kept sending me automatic replies that didn't address the problem. I further quizzed them on why I was not getting an answer and they replied that funds would be eligible for withdrawal after 180 days. It's like they don't even keep track of their own records. 

I asked for assistance on this issue again and again now they're not even responding.Hope you people can help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10
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: Account status incorrect

Complaint:
I have attempted to download a copy several times to send the sites will not allow me to. I have disputed this on all three. I recently mailed a copy to all 3 credit reporting bureaus to update. My debt should reflect {$22000.00} minus the loans that are paid in full that should be reflected as 3-4 months ago this is defamatory and derogatory to my character.

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 2017-10-17
Company: U.S. BANCORP
State: MN
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:
XXXX 's client XXXX XXXX is an identity theft victim. His information was used to apply for a credit card with XXXX XXXX without his consent. That application resulted in an inquiry being made into his credit. An official dispute of that application was submitted to XXXX XX/XX/XXXX and received by XXXX XX/XX/XXXX ( certified mail, return receipt ). As of this date XX/XX/XXXX, XXXX has not replied with the outcome of the results of a re-investigation as they are obligated to do under the FCRA.

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