BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MN
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:
In XXXX, Equifax allowed external hackers access to my credit, Social Security, income, and financial history. Their executives made a few million on selling Equifax stock a few days after they learned of the system inflitration but they did not inform the public until after their stock sale. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  When I used the Equifax tool to verify my information had been stolen, it confirmed that my information was part of the hundreds of thousands of consumers whose data was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
... As like last year some XXXX XXXX sent a collection notice to collect {$50.00} for my Safety Deposit Box - and as I said in the litter last year - which XXXX XXXX employee ( no name on collection form ) is trying to XXXX the XXXX  year ole XXXX veteran out of a service that it was a gift from Chase because of my service - now the XXXX XXXX ( letter sender ) is threating to open my box and saying my payment is 303 days over due ... ... ... 
... ... ... .so was I lied to and deceived an now your threating to ruin my credit - if any collection or credit bureau has been notified I want all information retracted - real nice way to respect a XXXX veteran

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: Experian Information Solutions Inc.
State: MO
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: Billing dispute for services

Complaint:
Experian continues to charge me for services I 've already cancelled more than once. I 've tried calling but due to extended wait times I can no longer get through to talk to anyone

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 2022-07-11
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: Personal information incorrect

Complaint:
There are misspelled names, incorrect address, wrong DOBs and work places on my credit reports that i would like removed please and thank you..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2021 I applied and was granted credit cards from two companies. I also applied to XXXXXXXX XXXX XXXX XXXX  responded DENYING credit based on " a change on my TransUnion credit report.

I then went on line to TransUnion providing all personal information TransUnion requested and then advised TransUnion could not assist me because " something is wrong with our ( transUnions ) system try again later.

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

Complaint:
I am submitting this claim because I was implicated in the XXXX  2017 data breach at Equifax. It is extremely disconcerting that this company lost the most sensitive type of data that is possible to lose. This is particularly egregious because Equifax runs a service that is *required* to operate in the modern world and economy. For example - a credit score and report is required for every apartment rental I 've ever applied to. This means that it was n't truly an option to become a part of the Equifax database which has now been compromised.
To date, I have no knowledge of any personal identity theft or financial harm as a result of this breach. I simply want to have this event on the record, should I suffer any financial hardship down the line from this event.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/2020 : I wanted to connect my banking information to XXXX XXXX and was told to go to CFPB to have my bank connected to the app once I had put in my credentials.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a checking account with wells Fargo that was in the negative for 6 weeks after I continually asked Wells Fargo to refund some of the NSF charges that they charged me, which was XXXX. They refunded XXXX, I expressed me begin a valued customer and I am interested in bring my account in the positive could they refund XXXX more fee. I had originally asked for XXXX, but they only refunded XXXX. So I continually asked for XXXX more. They said no. After my account being in the negative 6 week. They took money from my other checking account without my authorization to clear the negative balance in the other checking account I have with them. The complaints I have is that Wells Fargo was not welling to refund XXXX more fee, which financially would have made me able to settle the negative amount. The other complaint is they took money from my account without my authorization.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
Company: Comerica
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
. 
YOUR COMPLAINT In accordance with the Fair Credit Reporting act XXXX account # XXXX / XXXX COMERICA BANK. Also, XXXX account # 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 state consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Bread Financial Holdings, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been paying on a closed account with XXXX XXXX with Comenity Bank since 2019 when XXXX XXXX closed their stores. I have never missed a payment, and have always made payments online. Last week I tried to access my account online to set up my XX/XX/XXXX payment. When I attempted to log in, I received a message about problems with full access to accounts due to a system update. It tells me I can still make a payment using XXXX XXXX, but since I no longer have an actual credit card, and only received statements online, I do not know my credit card number. This fact prevents me from setting up access to my account online. When I call to speak to customer service, I get no help at all. They either hang up on me or I can not understand them due to their accent. The last person I spoke to told me to try again next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Experian Information Solutions Inc.
State: FL
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 obtained my XXXX credit report on line. There was U. S. Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. <P/>I requested that this be removed since the Kansas Bankruptcy court does not validate this information, and my XXXX account has been frozen ...

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 2017-06-30
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My account is never up to date my bank info is never correct can you please fix this asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
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:
I AM WHO I SAY I AM. NO ONE IS WRITING THIS FOR ME. I NOW KNOW MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. 
I CREATED and sent a certified letter to you that you were violating my rights as a federally protected consumer under Title 15 Chapter 41. I demanded that you delete the alleged accounts that I never gave you written instructions to furnish pursuant to FCRA 15 USC 1681b ( a ) ( 2 ). I also wrote in the certified letter that I am not requesting for you to start an investigative consumer report!! Yet, on 8/25/21 you responded that you will " investigate ''? Let me remind you, pursuant to 15 USC 1681d ( d ) PROHIBITIONS : " A consumer reporting agency shall not prepare or furnish an investigative consumer report unless the agency has received a certification under subsection ( a ) ( 2 ) from the person who requested the report. '' I DISTINCTIVELY SAID I WAS NOT REQUESTING AN INVESTIGATIVE CONSUMER REPORT AND I SURELY HAVE NEVER GAVE YOU CERTIFICATION TO DO SO. 
But if you so insist on doing an " investigation '' Congress defines what a Investigative Consumer Report is pursuant to 15 USC 1681a ( e ) : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER reported on or with others with whom he is acquainted or who may have knowledge concerning any items of information. HOWEVER, such information SHALL NOT INCLUDE SPECIFIC FACTUAL INFORMATION ON A CONSUMER 'S CREDIT RECORD OBTAINED DIRECTLY FROM A CREDITOR OF THE CONSUMER OR FROM A CONSUMER REPORTING AGENCY WHEN SUCH INFORMATION WAS OBTAINED DIRECTLY FROM A CREDITOR OF THE CONSUMER OR FROM THE CONSUMER. '' YOU EQUIFAX RESPONDED TO ME ON XX/XX/21 THAT " AN INVESTIGATION WITH THE FURNISHER HAS BEEN INITIATED ''???!!! Well pursuant to 15 USC 1681a ( e ) that is a violation of my rights again. 
Unless you are going to be interviewing my neighbors, friends and associates, your " investigation '' is null and void!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Experian Information Solutions 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:
According to the XXXX website, my information was compromised in their security breach. To me, it is astounding that a company with SO MUCH personal information could allow their security to be so lax. They are offering protection software, but 1 - I do n't want to waive my right to sue them or be a part of a possible class action lawsuit, and 2 - why would I trust them to 'protect ' my identity when it was their deficient security that caused this problem in the first place? I WILL NOT be enrolling in their security protections offerings.
As for this particular incident, it is " too little, too late ''. My information was most likely hacked, and these hackers probably have my social security number, which is MY ONLY FORM OF NATIONAL IDENTITY IN THIS COUNTRY. It 's not like Americans have a national picture ID or national ID number that we can rely on.
I have pulled my credit report from XXXX XXXX. I was unable to receive my credit report online from XXXX and Experian from the XXXX  because the XXXX page froze when trying to access my credit report, so I will be submitting an application by mail. I have also put a temporary fraud alert on my account through XXXX XXXX as I was unable to do so from the Experian website and I do n't trust XXXX  with anything right now. I will be monitoring my credit closely.

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 2022-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no knowledge of the account that was open in 2017 for amout of {$2100.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: AMA Advisors, LLC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was in searching for a new home when I reached out to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX. I provided my approval letter from a lender that I worked with which was not satisfactory to XXXX to which she said she would accept my offer under the contingency that I would acquire a preapproval from a mortgage company that they worked with ( XXXX XXXX at Homebridge XXXX # XXXX ). I was told I am approved verbally, never received a pre-approval letter. Days later my agent reached out stating that XXXX had declined to accept my offer because of information disclosed to the mortgage broker regarding my financial information. This text indicated my location, my ownership in another home, and my plans to lease this home out. These were only solely disclosed to XXXX 's team at Homebridge. I never authorized this information be disclosed to XXXX as this is sensitive information. A clear violation of lender laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
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:
Equifax mishandled my personal information including name, social security number, address, birth date, driver 's license number, and possibly more. They allowed a data breach to occur in XX/XX/XXXX/XX/XX/XXXX 2017 due to GROSS NEGLIGENCE, and they confirmed I could be affected on their website, 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. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: VA
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:
Equifax is enabling a child support agency to make false reports on my credit report which is affecting my score. I have tried multiple times to rectify this issue by providing full documentation and current payment receipt. Despite my efforts, this child support agency ( XXXX XXXX XXXX ) continues to increase my balance, claim that I have late payments, and continues to report negatively to the credit bureau. 

Equifax has done nothing to stop this agency from doing so. They temporarily removed the agency from my report, only to allow them to go back on it. This comes after a dispute I opened where I supplied documentation and received no further correspondence from Equifax or XXXX XXXX XXXX. Im tired of being lied on and punished despite me making on time payments in good faith. As a consumer and a US citizen this has to be unconstitutional and an unethical way of conducting business. Someone needs to stop this.

Company response to consumer: Closed with explanation
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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of the Equifax Data Breach, my social security, driver 's license, etc has been accessed by the hackers. They have all my personal information. I can not even access my free credit report at this time to check for issues and they tell me I can " enroll '' in their 'XXXX XXXX ' is on the X/XX/2017. I now have to worry about the long term impact this will have on me as they can sit on my information, especially my driver 's license and social security information, for years. This breach has compromised my information for the rest of my life.

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 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I filed a dispute in regards to the unauthorized inquiries on my credit report. It has been well over 30 days and the investigation has not been completed. 

Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: INTEGRITY CREDIT CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently applied for a mortgage loan on or about XX/XX/22 with Integrity Credit Corporation ( MLS ID XXXX XXXX XXXX ). During the origination process I detailed my employment and financial history prior to allowing for the brokerage to pull my credit report. I was assured that I could be placed in a loan product as I was already in contract to purchase my home. I was told to pay off over $ XXXX in personal debt in order to raise my credit scores and be eligible for their XXXX XXXX XXXX. At the XXXXXXXX XXXX recommendation I in fact paid off ALL of the recommended accounts as suggested. After 2 weeks of back and forth communication The XXXXXXXX XXXX processing staff communicated that I could not qualify with the income that was provided. The XXXX did not respond to calls, texts or emails when I expressed my disatisfaction with the discrepancies. I have sufficient income, assets, and now increased credit scores. Since the beginning I was pushed towards a higher priced loan option that clearly benefitted the mortgage company and not me as the consumer. In addition, the products that were presented almost 3 weeks after the loan application were 10 % below the promised loan amount financing of 80 %. During the entire process, I never received 1 LE or federal disclosure as required by Reg X, and Reg z. In the end, the XXXX XXXX tool was never used after all proof of paid accounts were provided to the Broker. This was a case of the old bait and switch tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
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: Information belongs to someone else

Complaint:
This letter is a formal complaint that Credit Bureaus are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. 

Chapter XXXX Bankruptcy XXXX This account is not mine. I WENT TO THE COURT FOR VERIFICATION OF INFORMATION they have posted on my report. 

This account was not verified in court. VERIFICATION means COFIRMING SOMETHING TO BE TRUE. THE ACCOUNT YOU HAVE BEEN LISTED ON MY REPORT WAS NOT VERIFIED. According to FCRA it is clear violation. 
They must remove this account Immediately. 
Please see attach a copy of letter from the Court.

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