BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

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: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The Experian & XXXX processes for putting in place a credit freeze are unreasonably and extraordinarily difficult, even as compared to the other credit reporting services. 

In light of the recent data breach at Experian, I am in the process of trying to put in place credit freezes at all of the credit reporting companies. I tried the XXXX  and Experian online processes yesterday on XXXX XXXX. Both of them are very complex and the identity verification procedures are nearly impossible. The processes are clearly designed to discourage security freezes. 

I 'd be willing to bet that it 's easier for a third party to request my credit or for a wrongdoer to apply for credit with my stolen identity than it is for me to take the basic precaution of freezing my credit. 

I have been directed by Experian that I can only submit for a freeze in writing and have to provide copies of identity documents and utility bills. 

XXXX says I have to call them, but they are not open on weekends and the phone lines are impossible clogged during the week. 

I 'm trying to help my spouse and my aged parents in this process. Their procedures make it impossible. Furthermore, I ca n't figure out if there even is a process ( however bad ) to do the same for my minor children. 

By way of comparison, the online process for a freeze at XXXX and XXXX was relatively quick and painless ( at least for me and my spouse and parents, have not yet tried for my minor children ). 

I am outraged by the security breach at Experian. I am outraged at their lack of even the most basic cybersecurity processes. I am outraged at this whole situation. Their XXXX up processes for putting in place credit freezes is just the icing on this anti-consumer cake. 

I would very much appreciate you holding these folks to account publicly. The first priority would be getting them to streamline the process for credit freezes, then I would hope to see civil and criminal prosecutions.

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 2020-02-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Seller scammed me over XXXX. Signed a contract for services and sent payment of {$2000.00} on XX/XX/2019 and never delivered services, and refused refunds. I called the Chase Fraud line in XXXX to get the payment reversed and was told that they can not reverse the fund even though it was a fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: EQUIFAX, INC.
State: UT
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:
XXXX is reporting incorrect information on my account. They are currently reporting a late for XX/XX/2018 and I was never late. I went into the office and made my monthly payment along with an advance payment for the following month. The representative I spoke with confirmed that no other payments were due, or past due and my account was in good standing. So I am not sure why I am showing any lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
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:
The equifax company leaked my information to people, including ssn, date of birth, name, sex, address. This is unacceptable and very unprofessional! I feel very unsafe now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: U.S. BANCORP
State: WA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a XX/XX/XXXX XXXX S60 through U.S. Bank. The lease end date was XX/XX/XXXX. I returned the car to the XXXX dealership, as instructedXX/XX/XXXX. Nonetheless, U.S. Bank debited by checking account for a lease payment XX/XX/XXXX, even though the vehicle was returned and the lease was current, with no money owing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20
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 want to submit a complaint about my credit report information that is questionable. I would like to dispute certain information in my file which I believe is possibly an Identity theft. XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2020-08-19
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a no cash out refinance of my mortgage back in XXXX with TD bank. The loan was approved. There were a few understandable delays getting a XXXX and so on. Closing was set for XXXX, then XXXX, then nothing. Rate lock and commitment were extended a week at a time and each week the bank raised the fees to close by {$300.00} even though rates are stable or falling. No communication from the bank just weekly e-mails to sign a new commitment with more fees. 
TD cost me XXXX  in upfront costs and delays and now wants to squeeze another XXXX dollars into their fees. 

While I was busy taking care of patients during COVID. TD made excuse after excuse and now wants more money to close. 

I'd be fine with the delay if they kept to their promise but adding insult to injury by trying to squeeze more fees in hoping I won't notice is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-03
Company: Action Revenue Recovery, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Without proper notification a bill was added to my credit file by XXXX XXXX XXXX in the amount of {$130.00}. This bill has been back dated to appear as if it has been on my credit report since 2014 when it has not I check my credit on a daily basis. I have never done business with this company, I have never received a bill from this company yet they were able to add a bill from 2014 to my credit file willfully violating its obligations under the FCRA. This item must be deleted immediately or I can pursue damages.

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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
It was reported that Equifax breached confidential information of its customers because of a hack to their database. 

On XXXX/XXXX/2017, I checked with the website of Equifax, and was informed that my information may have been impacted by this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Upon reviewing my updates, the incorrect information was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$280.00} XXXX XXXX Balance : {$160.00}

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 2019-08-03
Company: National Credit Systems,Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Collection agency national credit system Couldnt verify the amount and reason owed when call landlord XXXX XXXX XXXX  directly couldnt confirm anything due to new landlord XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: OK
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: Didn't receive services that were advertised

Complaint:
Equifax needs to be held responsible for not keeping my data safe and now I am facing possible identity theft and ruined credit. The will only offer monitoring services that includes a clause that no legal action can be taken against them. They also omitted to notify me about what happened as soon as they knew it ( they omitted to tell the public for a month what happened ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had a ELOC with the Pentagon Federal Credit Union. Once the ELOC matured i spoke with someone with member services and discussed options. I was told that I could apply for a new ELOC. I did. At the same time I received calls and letters from PFCU on my past due notices. I responded to the calls and letters. Each time I was told that since I applied for the new line of credit and the application was pre qualified there was not a problem. I was told that the letters were automated. 

Notwithstanding, I was hit with a penalty and an adverse report to the credit bureaus. I called PFCU. I said they repeatedly made representation that I detrimentally relied upon. I was told there be no remedial action to my situation. I told them if I had known the consequence to my credit I would have just paid off the line. The ELOC was approved but I just paid off the line anyway. I have asked them to correct the reporting to the credit report and remove the penalty. PFCU has failed to respond.

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 2022-07-20
Company: EQUIFAX, INC.
State: MO
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX  XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$84.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: GOLDMAN SACHS BANK USA
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:
On XXXX XX/XX/2022, I filed a chargeback on my Goldman Sachs XXXX XXXX credit card against the merchant XXXX XXXX XXXX. Within a few days I supplied documentation to Goldman Sachs XXXX XXXX credit card demonstrating that the merchants did not honor the terms of our agreement which I paid for, i.e. to secure a private business loan for my company in the amount of $ XXXX. 

In the past whenever I have filed a chargeback with any other of my credit card issuers and everyone I know personally who has had to do the same, I was provided a provisional credit in the exact amount of the chargeback and the merchant had 30 days to respond prior to the investigation being closed in my favor. 

XXXX with Goldman Sachs XXXX XXXX credit card I am told that the investigation may take up to 90 days during which time I can not use my credit card. In fact the card in question has a positive balance of {$1100.00} owed to me in excess of credit limit, none of which am I able to utilize. This aberrant customer service policy on the part of Goldman Sachs XXXX XXXX credit card is an opportunity cost and punitive decision harming me due to the merchant 's foul play.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX at approximately XXXX, I spoke with XXXX XXXX in the insurance department at Santander Bank. 
XXXX XXXX had me on hold for 15 minutes and when he returned on the line he told me it would take a while to resolve my issue with the flood insurance. He said this was because of the situation in XXXX Texas. 
I was very upset hearing this news after I was told by XXXX XXXX on XX/XX/XXXX that I would receive a refund from Santander when I could prove that I had an active flood insurance policy which my insurance agent, XXXX XXXX, forwarded to Santander. 

XXXX XXXX then replied that he would have to put me on hold " until you calm down. '' I waited on the other line and after 10 minutes I hung up. 

I later spoke with a gentleman named XXXX that assured me that he would take care of me and I would receive my money back of {$1400.00} in the mail from the flood policy that was mistakenly added to my mortgage by Santander. 
XXXX XXXX left a message on XX/XX/XXXX stating that the problem was resolved and the {$1400.00} was put in my escow account.

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 2018-11-03
Company: Experian Information Solutions Inc.
State: TX
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:
inaccurate information, no knowledge of account FTC violation

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 2018-08-13
Company: WELLS FARGO & COMPANY
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The title to my home is impugned because of an attempt by a neighbor to change the boundary lines of my lot. I have filed a claim with my title insurance company XXXX XXXX XXXX XXXX, and a lawyer for Wells Fargo is interfering in the processing of my claim by XXXX. 

The claim should pay off the mortgage balance to $ XXXX and stop the foreclosure. 

Wells Fargo attorney is playing politics with my title insurance and valid claim against my policy ( filed in 2014 ).

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 2022-07-20
Company: Experian Information Solutions Inc.
State: GA
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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2017-09-01
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not know the source of information due to this but the contract for the collection that was place from NATIONAL CREDIT SYSTEMS, INC ( XXXX XXXX XXXX ) Acct # XXXX. I have never had an contract with the collection agency and I have requested documents to be sent to me stating that something was signed and no document has been sent to me. The only thing I keep receiving is a letter stating " the dispute has been verified and updated '' but with what documents? '' I have tried to make contact with XXXX thru letters, phone calls and certified mail and no one has been able to assist me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: MO
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX FL XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$670.00} ; XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$57.00} ; XXXX XXXX XXXX XXXX Balance : {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union is ignoring all my requests to investigate, verify and remove the accounts from my credit report that do not belong to me.

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