BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: SC
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:
Inquires on my credit not authorized by me. 

XXXX XXXX credit card in good standing missing from report. 

Credit Age year has drop XXXX credit card is showing the wrong amount owe change to higher amount, just recently changed within the last 3 months Credit score dropped 60 points or more within the last 3 months. Big difference in my score compared to XXXX and XXXX Old debits that have been delete is back on report The same items on report is showing up multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 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 2021-08-24
Company: CURO Intermediate Holdings
State: IL
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 PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Ad Astra Recovery Services , Inc. violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Home Point Financial Corporation
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Contacted HPFC numerous times regarding tax bill disbursement. HPFC provided an auto generated reply stating the bill would be paid but for a different amount and with a past date. The bill was higher than what was anticipated to bill due to an error with the XXXX county assessor. I informed HPFC of this and made a payment to the escrow account for the shortage. My bill was increased by XXXX with no insights or documentation for the increase. Prior amount was XXXX and bill now shows XXXX. This conflicts with my statement and HPFC can not provide an insight as to the difference. The asesor has also fixed the issue to document my taxes now being due in the amount of {$1000.00} which is less than HPFC estimated amount of {$1500.00}. This should lower my total monthly payment. Ive contacted HPFC numerous times to resolve and no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Regarding the recent data breach with Equifax, I attempted to enrolled and was notified that I have to return. Putting the responsibility and cost/time on the consumer is improper. When my data as a US government employee was breached, the Federal Government notified me in writing and provided free credit monitoring by ENROLLING ON MY BEHALF. 

Equifax is failing to mitigate damages ( a responsibility generally required in business law ) of their data breach. I have no contract with Equifax, as such they have the SOLE responsibility for taking action to protect me from financial harm, costs and undue stress as a result of their data breach. Their current consumer process seems to be aimed at the lowest cost solution ... providing help for only the consumers that self-identify AND are willing to hassle with the bureaucracy. This morning, I have pre-enrolled and have been waiting on the phone for 20+ minutes for an agent to pick up the phone. 

Equifax should auto-enroll me and ALL impacted consumers and buy them credit monitoring AND pay for resolution of any fraud case tied to the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
i submitted a dispute for inaccurate information for 4 months in a row and they have yet to remove this account from their system

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: QuadPay
State: PA
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:
Zip ( Quadpay charged me for item not purchased, Ive repetitively contacted them past few months to cease and they still do not correct, cancelled now threatens to attach negative to my excellent credit file I paid it today to avoid negative info or collection activity, did not owe Extortion

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-23
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
The following consumer reporting agency : LexisNexis XXXX XXXX Sent my report on the following date by email : Consumer Number : XXXX Case Number : XXXX XX/XX/2021 After reading the report I sent an electronic dispute by email as per LexisNexis instructions ( see a copy of dispute instruction ) on XX/XX/2021, and followed up on XX/XX/2021, since I had not been notified that they had received my dispute or started an investigation. 

Copy of dispute instructions : Q : How do I contact you if I have questions about my report or want to correct information on my report? 
A : If you have any further questions or there are items you believe to be incorrect, you may contact LexisNexis XXXX XXXX via email at consumer.documents@LexisNexis.com or by phone at XXXX. The LexisNexis Risk Solutions Consumer Center 's hours of operation are Monday - Friday from XXXX XXXX to XXXX XXXX. XXXX XXXX. In an effort to protect your privacy and deliver prompt service, please have the numbers located at the top of your report page accessible when you call our support number. 

LexisNexis has been notified 2 times of my disputes of the report number ( s ) referred to above by the electronic means they implemented for disputes and has not acknowledged receiving my dispute of their information and/or that a timely investigation has been started.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I did not benefits from any goods or services of this fraudulent account opened in my name without my permission. I am requesting for Discover Financial Services to remove and delete this fraudulent account from my XXXX Credit report. 

I have never had any affiliations or accounts with Discover Financial Services. I have included a copy of my police report as well as the letter from Discover Financial Services for this fraudulent account to be removed and deleted from my Credit file. Why Does XXXX still have this fraudulent account on my Credit report when Discover Financial Services instructed them to remove it? I am requesting for Discover Financial Services to send another request to XXXX for this fraudulent account to be removed and deleted immediately. 

I talked to a Fraud SpecialisXXXX at XXXX who advise me to send a letter to Discover to remove and delete this account. 

Please remove and delete this fraudulent account immediately from my XXXX credit report : XXXX. Account name DISCOVER FINANCIAL SERVICES Account number : # XXXX Date opened : XX/XX/2019 Balance : {$8600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
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: Information belongs to someone else

Complaint:
I tried to reach out to this company for 6 months ( since XX/XX/2020 ) and nothing has change regarding the student loan account on my credit. I do not owe any student loans nor do I owe a collection account. This information is wrong and should be removed from my credit. This has been on my credit for 9 years. If this information is not removed from my account I will take legal action.

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 2018-06-27
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
We have been Opted Out of overdraft protection with PNC Bank for a very long time. Even though we are opted out, we have been charged many fees. We have called PNC about this issue, but are told their policy is to only offer 1 " courtesy '' refund every year. We repeated to the representative and manager that we should have never been charged these fees because we are OPTED OUT, but they were firm that they are following PNC 's policies and they can not refund us for the charges we incurred. They also said that we can not " opt out '' of overdraft for recurring charges, even though we do not want ANY overdraft protection. We want the transactions to be declined or the checks to bounce. In XX/XX/XXXX &  XX/XX/XXXX alone, we were charged the following : XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The credit bureaus stated my account was properly investigated, but how is that possible if the high balance, last verified dates, dates of last activity, date reported, date opened, balance owed, creditor type, last payment, term length, account type, payment frequency, payment status, account status, XXXX-year history, payment status, and days late- 7 year history are not accurate. This is grounds for removal and they also violated my rights under 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, also states a consumer reporting agency can not furnish an 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 2022-07-11
Company: SYNCHRONY FINANCIAL
State: MN
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:
On XX/XX/XXXX I disputed a charge on my account dated XX/XX/XXXX and to this date I have not received a provisional credit or has the matter been resolved within two billing cycles as required by Federal Law. The merchandise was a coin that I ordered online but never received. I attempted to resolve the matter with the merchant but the merchant did not comply. I then timely filed my dispute with Synchrony bank. The bank has utterly failed to follow federal law regarding my dispute. On XXXX I called the bank and spoke to XXXX. She said the dispute was closed but would reopen it. On XXXX I called again and spoke to XXXX XXXX operator XXXX ) and was told the dispute was closed but would reopen it. On XXXX I finally received a letter stating the bank was reviewing my complaint. Note : Per Federal law the dispute should have been resolved by this date. I had disputed the charge on XX/XX/XXXX. On XXXX I received another letter from the bank stating a provisional credit of {$3400.00} was issued to my card. NO CREDIT WAS RECEIVED. On XXXX I called the bank and spoke to XXXX ( operator id XXXX ). I was promised a conditional credit. Again no credit has been received to this date. The bank has violated every Fair Credit Billing Act law in existence.

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: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/17 I was notified that there was a security breach of Equifax. Upon the suggestion of people more educated than I, I clicked on this link : https : //www.equifaxsecurity2017.com/XXXX to determine the potential impact this hacking might have on me. After submitting my information, the result was : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I am now in the process of monitoring my credit for fraud that Equifax has exposed me to.

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

Complaint:
Equifax has confirmed that my social security number and potentially other personally identifiable information were compromised by their XXXX 2017 security breach. I feel that they were negligent in the handling of my PII and possibly PCI data and should be held responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: IN
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 stolen through Equifax to include but not limited to my SSN, DOB, address, and potentially my DL #. Also possibly bank information. All of my data is now in the public. This took place XX/XX/XXXX and I am just finding out as of XX/XX/XXXX. I have applied for credit monitoring but even that is n't even available for me until later next week ( see attachment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: EQUIFAX, INC.
State: FL
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:
The credit bureaus stated my account was properly investigated, but how is that possible if the high balance, last verified dates, dates of last activity, date reported, date opened, balance owed, creditor type, last payment, term length, account type, payment frequency, payment status, account status, XXXX-year history, payment status, and days late- 7 year history are not accurate. This is grounds for removal and they also violated my rights under 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, also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
" Potentially Impacted '' by the recent Equifax security breach

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Credit Karma, LLC
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
At the beginning of XXXX I was charged twice by the same merchant for the same service. So because the Merchants resolution process could take up to 90 business days I called my Bank Credit Karma Money Spend Account ( MVB Bank ). I notified them that I wanted to file a dispute for the double charge and provided them with the evidence of these duplicate transactions. Upon doing so my account was immediately locked or frozen, then several days later I recieved a notice via email that my account had been provisionally credited for the amount pending the remainder of the investigation. The only issue is that my account remained locked and completely unusable and has since that date. I never received an alert, a warning or a notice that my account was being locked or reviewed. No one contacted me and has not reached out to me since. When I contact customer support I am told the same answer every time. " We can not see any information about your account but it is under review by our " higher team '' and this " Higher Team '' can not be contacted by phone or email. They will reach out to you within 10 business days with a response or resolution about your account. Well its been over 45 days and my account is still locked, all the money i had was in that account and I have a family to take care of. I have since received several emails saying my account is still under review and other emails stating that my account is closed and the money would be sent to my linked external checking account within 5 business days. Still nothing. Still no response or details, this just can not be legal. I need someone to look into this, after reading up on my situation online I can see that thousands of other people have had the same experience. It's time someone puts a stop to this, its not ok. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: PNC Bank N.A.
State: WA
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:
XXXXunknown phone call received XXXX # XXXX received XXXXunknown phone call received : I returned call which I found was XXXX : This was someone from PNC, stating they were attempting to contact my ex-son-in-law ( they only gave me his name, XXXX XXXX ). He said they were reviewing a resume and needed to talk to me ). I asked him to never call again and he stated I would be taken off the list ). 
XXXX XXXX received from XXXX XXXX from XXXX, Wa. I called back to the number XXXX and it was someone from PNC regarding my ex-son-in-law. I told them to not call again. 
XXXX Call from XXXX again. 
Called that number back. Same individual again and repeated that I didnt want to be called re : son-in-law from PNC. He began angry and said I was lying about my son-in-law and hung up on me.

Company response to consumer: Closed with explanation