BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 2017-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
I filed a chapter XXXX bankruptcy in XXXX of 2015 and it was discharged XXXX of the same year. 

Bank of America has continued to report the account as open with a late payment. They have completely ignored the bankruptcy discharge.

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 2022-06-15
Company: EQUIFAX, 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:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$10000.00} XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX  Inquiry Date : XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXXXXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XXXX. XXXX, XXXX XXXX, XXXX XXXX Date : XXXX. XXXX. XXXX XXXX Inquiry Date : XXXX XXXX, XXXX XXXX Inquiry Date : XXXX XXXX, XXXX XXXX Inquiry Date : XXXX XXXX, XXXX US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX of 2019 just after my grace period ended, I called my student loan provider, XXXX to learn more about re-payment plans and what option is the best for my financial situation. Based on my conversation with the XXXX Customer Service Representative, I began making monthly payments of {$400.00} which I've done consistently since my first payment in XXXX of 2019. At the time and still today I work for a qualified public service agency ( city and county government ) but was never informed of the Public Service Loan Forgiveness payment plan option which I later found out is a plan that relieves your outstanding balance after 10 years of consistent monthly payments. If I was aware of this option I would have taken it immediately. It would mean that I would have paid lower monthly payments for the last 3 years and I could have contributed those three years of payment towards the 10 year commitment required by the Public Service Loan Forgiveness program since I plan to work for the government for that duration of time. 

Additionally, I could have been saving the extra money I've been spending on my loans, as encouraged by XXXX 's Customer Service Representative, towards other living costs like food, gas to get to work and medical expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
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:
AN UNKNOWN 30 DAY LATE IS REPORTING ON MY CREDIT REPORT IN ERROR FOR THE MONTH OF XXXX  2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: Ditech Financial LLC
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: Account status incorrect

Complaint:
I own a house in XXXX that is my primary residence. In the fall of XXXX, my mortgage servicer at the time ( DiTech ) called me unsolicited and offered me a 6 month forbearance on my mortgage payments due to a hurricane that had just come though. They said that they were offering this deal to ALL Florida customers. I specifically verified that this would have no adverse effect on my credit report. I also specifically verified that at the end of the 6 months DiTech would recalculate things to put the 6 payments on the end of the loan. I can only assume that DiTech recorded that phone call. 

DiTech sent me a Forbearance Agreement to sign. Before I signed it, I called them back about the verbiage that says All payments postponed during the Payment Break Period must be repaid. They said that all payments would need to be repaid but that they would be repaid at the end of the loan. Although I found the verbiage somewhat ambiguous, I trusted that what they were telling me would be accurate. 

Fast forward 6 months to XX/XX/XXXX when I called DiTech to see what my new payment would be with 6 months of interest added to my principal balance. They told me that I would have to apply for a loan modification. I told them that this was NOT what they had described to me 6 months prior. They told me something to the effect of yeah, we screwed up when we told you that, but dont worry about it and just apply for the loan modification. Even though I am paraphrasing, I am 95 % sure that they used the EXACT phrase we screwed up. I again confirmed that this would have no ill effect on my credit, and they concurred. I can only assume that DiTech recorded this call as well. 

Fast forward to a few weeks ago, and I ran my credit just to make sure there was no fraudulent activity of any type, and I see that DiTech was reporting me 4 months late on my mortgage payments in XXXX XXXX once my forbearance period ended. This is making my credit score significantly lower than what it would otherwise be, and has caused me to financial harm. 

DiTech has since transferred the servicing of my loan to XXXX who then later transferred it to XXXX XXXX / XXXX. I called DiTech and my phone conversation was unnecessarily adversarial on their part and went nowhere.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22
Company: PREFERRED CREDIT INC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2020, a certain company made a vacuum cleaner which doubles as a air refresher presentation at my residence. I decided to buy the product so they linked me up via phone call with their affiliate loan company to finance the product for me. The loan company is called Preferred Credit Inc. During the call, I requested to know the interest rate on the loan, the Preferred Credit Inc. rep said he does not know, and that I will find out later. I pressed on him several times to disclose the loan 's interest rate, but he will not disclose it. Besides, the invoice they send via email does not provide interest rate, interest amount, not even account number on it. I saw some numbers on my bank account description and I assumed it was the loan account number. I called their customer service and asked again what is the interest rate I pay on the loan every month since XX/XX/2020, and the rep, who is a different person from the one I talked to at the time of signing the loan, will not tell me but I managed to get the interest amount from her. Out of a monthly payment of {$99.00}, {$64.00} was charged as interest amount for XX/XX/2020. Suspecting that the interest rate will be so high and they failing to fully disclose the interest rate to me, i requested to sign-up to their online portal. The rep sent me a link to sign-up ; after clicking on the link and having several error webpages, I got a way around it to sign-up to their web portal ; and confirming my suspicion, the interest rate was as high as approximately 22 %. Had this interest rate was disclosed to me at the time of signing up for the loan, I will not take this loan. The interest rate is outrageous and I am therefore filing a complaint for failure to fully disclose material information that will help me, a person of sound mind, make a reasonable decision ; especially when I requested for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have 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 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 explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: AL
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 XXXX Account # 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 2017-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I signed up for a card that I was informed was for XXXX dollars, I got approved, then the card came informing me it had a {$500.00} limit so I use it and it stops working at {$300.00} call the company and they tell me they can give me credit for whatever they want, just because the letter said you would be getting XXXX does n't mean that what well give you, bs. Then sent my information to other companies because now I get emails and phone calls about all these other cards and XXXX when they screwed me over and I never asked for any other offers. They took my information to use it however they saw fit and think it 's ok to XXXX someone ocer just because their some big company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 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 2019-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In the apps says that Im over limits on my card and I wan na know why. It says that I have to pay XXXX for some payments that I made but I dont remember making them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In the apps says that Im over limits on my card and I wan na know why. It says that I have to pay XXXX for some payments that I made but I dont remember making them

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 2017-09-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Because of the recent data breach at XXXX, I decided today ( XXXX XXXX, 2017 ) to put a freeze on my credit reports. Experian will not allow me to do this over the phone or on their website. They are only allowing people to do it via mail ( probably to limit the amount of freezes ).

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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-06-15
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:
This debt From XXXX XXXX XXXX appeared on my credit report XXXX of this year. It was disputed and found not to be mine on XX/XX/XXXX. It was deleted from my credit report on XXXX as well. Today XX/XX/XXXX almost two months later is was reported again by XXXX XXXX XXXX and place back on my credit report but with a different account number. It also appeared on my XXXX with a totally different account number from the two that was reported to Experian. This is NOT my account. XXXX XXXX XXXX won't even give me the address to the account the are trying to collect this debt from. I have already disputed this with Experian and had it removed and now its back again and found to be accurate after I disputed it again. They see its XXXX different account numbers. I don't understand how they don't get what is happening. 
I Also have a hospital debt that was on my credit report that was removed and now its back on my credit report but with a different collection agency by the Name of XXXX XXXX I have had it deleted and the agency resold it and it was place right back. These are not mine. I have impeccable payment history. I have never been late on a payment or had a collection. This is Fraud

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 2022-01-13
Company: Genesis FS Card Services, Inc.
State: FL
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:
The companies name is Genesis FS card service at. XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX I am disputing this because I made a payment on XX/XX/XXXX of XX/XX/XXXX to the card services in the amount of {$110.00}, I have spoken to several agents and several supervisors and nothing has been done Ive gotten no response and no calls no letters on the situation Ive also went through a dispute center and still nothing we are in another year and I havent gotten any kind of Response. I then e mail XXXX from XXXX XXXX and she gave me you. I truly hope you can help .Than You : :my email is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
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:
My situation involves the Equifax data breach. I entered my information to see if I was affected by the breach 2 days ago on the XX/XX/XXXX and it said I was not. However, I entered my information again today and it told me I was and to sign up for free credit monitoring. The terms and conditions of signing up requires for me to waive my rights to sue. I believe that the results are random due to the 2 answers I received and that the reporting company used my report improperly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX WISCONSIN, XXXX xxxxx XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( f ) 1681B ( C ) 15 USC 1681c-1 : Identity theft prevention ; fraud alerts and active duty alerts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I acquired a copy of my report in XXXX dated XXXX and I found out that Transunion still indicates my dispute of information in my credit report. As of todays date, Transunion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX BANK XXXX and XXXXXXXX XXXX XXXX because I believe they were reporting in error.

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