BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
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:
In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX 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 2017-09-11
Company: EQUIFAX, INC.
State: MI
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 appears I am a victim of the massive Equifax data breach and I find it outrageous that, in an attempt to best protect myself from Equifax 's lapse in security, I must pay {$10.00} per credit bureau to enact a credit freeze. I believe that as a credit bureau, Equifax et al should be held to a higher standard for securing my personal data being that it holds in one place virtually every aspect of my life history. My financial life is now completely vulnerable thru no fault of my own. As a result, I am filing this complaint to request that Equifax compensate me for {$90.00} which will cover the fees to both apply and remove a credit freeze at all three bureaus plus the addition of a one-time " thaw '' or temporary freeze at all three bureaus. I feel this is fair and reasonable in that I 'm not looking to profit but simply re-coup my outlay. 

Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been making payments into my account for years, and have never had a problem with payments posting to the account until now. I made three payments into this account last month and then again at the billing cycle and these payments come out of my checking account, but they do not count toward my minimum payment due. Despite paying over {$3.00} this month alone, they demand another payment of {$230.00}. They refguse to acknowledge the payments that I made already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my chime account was hacked. I got a notification saying my phone number was changed. Then got another notification saying that my email was changed too. I called chime and was told that my account is going to be locked cause I notified them about my account being hacked. So I figured that my account being locked no one take use it for anything. Later that evening/ night I get another notification saying that {$260.00} from my checking account was moved to my credit builder account. A few minutes after that it said you have {$0.00} in your credit building account. Called chime again around XXXX to let them know that money was taken out of my account and was used on a site called XXXX  .... and it wasn't me. Was told to call in the morning to see how the investigation was going. On the XX/XX/XXXX I called and was told that it's under investigation. And if I had any proof that I was hacked. I sent them screenshots of the notifications saying phone number was changed and email was changed. Also when the email was changed it gave me a location in XXXX XXXX XXXX  ) I live in XXXX. Sent photos of my driver 's license and photo of me holding my driver 's license. I sent them my XXXX  location for that date as well. I've been doing this back and forth with chime cause they keep denying my rebuttals cause Ive have done like XXXX of them. They keep saying they have no proof the stuff I sent in is no good. Meanwhile I sent my XXXX location for that day which is XX/XX/XXXX I sent notifications I got saying email was changed phone number was changed I also have emails of me going back and forth with that email that was on my account and I was blackmail sent them the screenshot of that and still chime is saying I don't have enough evidence so they keep denying it I'm going to send you guys all the screenshots I have and the emails going back and forth mind you the person used my same name but with a different email address so I guess chime can't figure it out. 
Here my info incase you need it Account Ending in : XXXX Claim ID : XXXX Date Error Reported : XX/XX/XXXX Claim Total : {$260.00}

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

Complaint:
This company is reporting inaccurate account in my credit report, I have paid off my account from them and I noticed that there are some late payments, I tried to verify it this company but get no response. The late payments is reflected differently across the different bureaus. This is a clear violation of my FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: OR
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 information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax will not take my dispute. They have wrong information on my report and I have tried numerous times to have this issue resolved but I need a number of some type and I still can not access the account. There are two open accounts and seven hard inquiries to chase that I did not make. Two open accounts on other credit companies have been closed or deleted but I cant do this with Equifax. I just want to clear this up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Experian Information Solutions Inc.
State: OH
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:
Sent letter to XXXX, XXXX, and Experian requesting, validation of XXXX XXXX   account showing past due days. Asked for contractual obligation, bearing my signature, how they came up with the past due days. I have yet to receive anything regarding verification, yet I keep getting the same responses that the account is verified. I received a letter from XXXX on yesterday XX/XX/18 from XXXX stating that they can not find my account with the information I sent them which is the account number listed on my credit report, if this is the case how is the credit bureaus verifying this account if the account holder cant locate the account? Seems like the credit bureaus are not doing what they are supposed to do and this is a 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 2018-10-26
Company: EQUIFAX, INC.
State: OH
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:
Sent letter to XXXX, Equifax, and XXXX requesting, validation of XXXX Bank account showing past due days. Asked for contractual obligation, bearing my signature, how they came up with the past due days. I have yet to receive anything regarding verification, yet I keep getting the same responses that the account is verified. I received a letter from XXXX on yesterday XX/XX/18 from XXXX stating that they can not find my account with the information I sent them which is the account number listed on my credit report, if this is the case how is the credit bureaus verifying this account if the account holder cant locate the account? Seems like the credit bureaus are not doing what they are supposed to do and this is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: General Motors Financial Company, Inc.
State: NE
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:
Report GM financial repossession so the account has been closed and it needs to be removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2022 I called the bankruptcy court in XXXX. I ask them do they report to the credit bureau. The clerk said no. I receive the bankruptcy letter from there website where the clerk told me to go. They do not report any bankruptcies to anybody .How did the credit bureau verified my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681 15 USC 1681 SEC 603 ( 3 ) ( E ) States ; The Term '' investigative consumer report " means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtains through personal interview with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such item of information. however such reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer They also violated my rights numerous times.

The Credit bureau violated my given rights 15 U.S.C 1681 According to : 15 U.S.C 1681 Sec 602 A. States I have the right to privacy.

According to 15 U.S.C 1681 Sec 604 A section 2 : It al states a consumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-09-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I currently have a Pick-a-Payment loan with Wells Fargo. Although this product is no longer offered through Wells Fargo, it has been grandfathered into their loan products.
My loan was originally with XXXX XXXX, when I discovered the negative amortization feature of the loan, and saw my principal consistently increasing, I attempted on eight different occasions to obtain a loan modification.
The first seven times I was told that my debt-to-income ratio did not allow me to qualify for a modification. I then did all I could to mitigate my circumstances, by going back to school and receiving a XXXX 's Degree in XXXX XXXX and a XXXX XXXX XXXX XXXX I have a four bedroom home and my adult daughters have moved back home to rent out their old bedrooms and help with utilities. My nephew has moved in as well and is renting our family room for his bedroom.
The last time I applied for a modification, I was told that my total income allowed me to make my Principal and Interest payments. However, the P & I that was used on the NPV worksheet, was the minimum payment {$3900.00} of the Pick-a-Payment loan, and not the full principal and interest which was {$5300.00}.
When I appealed their denial, based on the inaccurate P & I used, Wells Fargo explained that they were able to use the minimum Pick-a-Payment amount, and stood by their decision of denying the modification request.
The last three times I applied for a modification, I was told, and received a letter, that stated an Escrow amount for the property tax and homeowner insurance would be establish and last the duration of the loan.
Then after the denial I received a letter that stated I had to bring the escrow balance down to XXXX. To do so, the payments were spread over a set period of time and resulted in a drastic increase of my monthly payments.
After the appeal, I was told that they unknowingly had extended the Pick-a-Payment option and I would now have to pay the full P & I + escrow. This was an increase from {$3900.00} to {$6800.00} a month.
My extended family helped me to make the first two {$6800.00} payments, however, I have exhausted all of my resources and am unable to make another {$6800.00} payment. I am currently two months behind, and have over {$4000.00} in late charges. My original loan amount has increased by over {$100000.00}.
I desperately want to keep my home, and only want P & I payments that I can afford.
I read an article dated 2015 that explained the class action lawsuit you filed on behalf of Wells Fargo customers who have had similar experiences with the Pick-a-Payment loan, and was wonder if it 's to late for me to use the case for some type of recourse, so I can keep my home.

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 2017-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX, I went to XXXX XXXX XXXX and clicked on Transunion to get a free credit report. After going through the application process, it said that my request could not be processed online and gave me a number to call. I could never reach anyone at that number. Now I see I was billed {$19.00} for the free report I did n't receive. Moreover, the login I created only worked one time. I ca n't get back on their website. In reading complaints others have filed on XXXX XXXX XXXX about their customer service, I decided to act proactively by filing this complaint rather than engage in the inevitable fight I 'd get into dealing with them directly. Thanks for your help

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 2017-09-11
Company: EQUIFAX, INC.
State: TX
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 equifaxsecurity2017.com, both my wife and I were part of the recent Equifax data breach. In exchange for lax security that led to release of our SSNs, DOBs, full addresses, and? driver 's license numbers, Equifax is offering ONLY free credit monitoring that will notify us AFTER someone has improperly used our data. Equifax offers nothing to PREVENT improper use of our data from occurring. 

Despite Equifax ' negligence with out private data, we must STILL pay {$10.00} to each of the 3 major credit bureaus to proactively freeze our credit reports to avoid fraud. We must then pay {$10.00} to each agency whenever we want to temporarily thaw our report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and i haven't got a response within 30 days and yall are requires by law to do so. Please investigate my disputes Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and i haven't got a response within 30 days and yall are requires by law to do so. Please investigate my disputes Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. This is unacceptable! Please fix this.

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 2017-09-11
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have repeatedly asked USAA via email and telephone to close my checking and savings accounts, and they refuse to do so. They will not explain to me why they won't close the accounts, but every time I ask to get them closed, they don't do it. I have even mailed return receipt letters to them to close the account, and they won't do it. I do not want to ever bank with this institution again, and I resent every time they email me or send me a statement. Please assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit line increase with Navy Federal for my XXXX card. I was denied an increase based on a credit report PRIOR to my application. I notified Navy Federal that the report they are using is inaccurate. I requested they pull a current report to be able to properly evaluate my credit. They have refused stating they can decide what report they want to use. The current report will show at least a 40 point increase as well as credit utilization of 9 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation