BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-09
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:
Equifax security breach compromised my information. This event became know to me on X/X/17.  Equifax alerted the public. I was able to cross reference and determine that my information was compromised. I will place a freeze on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX  account is being reported although I have advised Experian this is a fraudulent account that are being listed. I have also filed an FTC report on behalf of the XXXX  accounts listed on my report. 

XXXX XXXX ( XXXX XXXX ) is also still being listed on my XXXX although I have disputed this information several times as a fraudulent account. 

XXXX  Account numbers : XXXX, XXXX XXXX XXXX  Account Number : XXXX 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 2017-09-08
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:
Affected by XXXX : XXXX XXXX XXXX ( XXXX XXXX XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from mid-XX/XX/XXXX through XXXX 2017.

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 2022-07-10
Company: McCarthy, Burgess & Wolff, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a one time letter ( debt collection document dated XX/XX/21 ) ) from a McCarthy , Burgess & Wolff, agency located on XXXX XXXX, XXXX, Ohio. I simply though they send a letter to the wrong person. I haven't heard from said agency since the receipt of the letter. 

I was to be certain this is not some of scam, the reason I'am filing this complaint.

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: NH
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:
I put a security freeze on my Equifax account yesterday, due to the data breach. They charged me {$10.00}, and tried to get me to sign up for their protection program ( where I would lose class action status. ). I told them I only wanted the ability to freeze my credit for free. I spoke to two different managers ( including a XXXX. XXXX  who refused to provide a first name and phone number. ). No one would help - they forced me to pay {$10.00} for something they should be offering for free. Profits before protection, apparently ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This new complaint is for Ocwen Loan Servicing only! 
We received a package from Ocwen on XX/XX/2018. This package, XXXX tracking # XXXX contained what appears to be the original note, original Deed of Trust along with a letter reflecting the loan was paid in full. 
Ocwen, please answer the following questions below so we can understand what has occurred with our loan. 
1st, Why did Ocwen loan Servicing hold our original Deed of Trust when this legal document was suppose to be held by the trustee, XXXX XXXX XXXX? 
2nd, Is Ocwen aware, when the trustee does not maintain the original Deed of Trust, the trustee which is XXXX XXXX  XXXX can not legally enforce the Deed of Trust? 
3rd, Why was our mortgage loan transferred to the trustee several years ago when the trustee, XXXX XXXX XXXX never maintained the original Deed of Trust? 
4th, Did the investor ( s ) receive a certified copy of the original note when the original note was sent to XXXX XXXX XXXX prior to Ocwen purchasing XXXX XXXX XXXX? 
5th, Why did the trustee, XXXX XXXX XXXX, state in writing that our mortgage loan investor was XXXX XXXX? 
6th, Is Ocwen fully aware that XXXX XXXX purchased this loan from XXXX XXXX XXXX   and placed this mortgage loan into XXXX XXXX XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: General Motors Financial Company, Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
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 discovered in XX/XX/2018 I was reported as having missed a payment in XX/XX/XXXX and XX/XX/2018 on my leased vehicle through GM Financial. I had automatic payments set up through the GM financial website. I verified through my bank statements that I made my payments on time. I went on the GM website and discovered that my XX/XX/XXXX statement was not on their website and was the only month missing. I looked at my payment screen and it showed my account had no past due amounts. I contacted GM financial multiple times and they stated I owed back taxes from where I previously lived in Virginia. However there was no XX/XX/XXXX statement to reflect this and their website ( payment screen ) didn't reflect I owed any taxes. So I was not aware of this until I inquired about the matter in XX/XX/XXXX. The customer service agent for GM financial stated they could place a corrective letter to my credit report. This matter has still not been resolved as of XX/XX/XXXX. I feel it's unfair to penalize me for payments I was not aware of and from a statement that doesn't exist on their site. These are the only negative remarks on my credit and dropped it 70 points. I would like GM financial to honor their word that they would fix my credit, update their website to reflect what I truly owe in a timely manner, and maintain all of my monthly statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At the beginning of the year our loan with Wells Fargo Mortgage was sold to XXXX XXXX XXXX XXXXXXXX We purchased the home in XXXX, for XXXX. We became unemployed in XXXX of XXXX an fell behind on our mortgage. We got help from SC Help and brought everything current. When we were informed the mortgage had been sold and we received the information from the new servicer, we noticed a balance of XXXX. We inquired as why we had XXXX addition and were told that there was a deferred principal amount when the loan was purchased. We argued with Wells, in the past, about a mysterious interest amount we were seeing on our statements. We've been paying for 12 years and we owe more than when we started. Anything that was outstanding during the time of our need, SC Help brought into current status. Our balance should be aroundXXXX. 
Sincerely, Mr. XXXX P/s I tried to locate SC Help but was not able to contact them since they are no longer operating.

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 2019-07-31
Company: Americor Funding, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
XX/XX/2019 Credit9 sent cash disbursement check {$31000.00} as a consolidated loan. When I called they requested personal information which included my social security number. However I think this was a scam to get my personal information because they no longer communicate when I call XXXX and there was no such loan. Im afraid what this company will do with my personal info especially my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MD
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 on XX/XX/XXXX. I received no email, letter, or phone call and instead had to discover it via social media on XX/XX/XXXX.
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency maty make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) Section : States 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 response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
On XXXX XXXX, 2017, I learned through social media that Equifax mishandled my information which led to a security breach -- putting myself and 143 million others at risk of identity theft. It has been roughly one month since the breach occurred, and I was not notified by Equifax in any way ( e.g., mail, email, phone ). Learning of this breach has cost me several hours, personal distress, and likely my money as I plan to pay the dues required to freeze my files to protect myself from Equifax 's breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WA
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 was one of the MANY US citizens who has had their personal information stolen ( name, address, SS #, DL # ) during the Equifax security breach. 

Due to the negligence of Equifax, my most valuable personal information is now freely available to any who would wish to utilize it. 

This is completely unacceptable. I have never even used Equifax 's credit services before. I feel violated, unsafe, and have had to spend the entire day proofing my financials due to an incalculable misstep of an ignorant company and its crooked executives. 

Equifax needs to pay, in every sense of the word, for their incompetence in the face cyber crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The Undersigned having full control of Trust revokes all permissions to the Government and/or any political subdivisions/Organizations to use copyrighted TRUST name XXXX XXXX XXXX or trust in any fashion excep1 by explicit written request/order in direction otherwise. Said name belongs to Trust in operation by trustees wherein the government/agencies thereof have no control as Trustee/Secured Party/Bailee having full mental capacity and ability to contract as well as natural right to trust holds a common-law trade-name, trademark, XXXX XXXX XXXX as authorized representative ( Attorney-In-Fact ), as well as established validity of the Power of Attorney by continual non-contested use. The Private Offset Account established in the name of TRUST is the property of TRUST as well as any value that has been deposited in Private Offset Account is the property of TRUST, as any such value was created from the credit thereof. Account will remain in effect with appointment of fiduciary by Form XXXX. 

The Placing of an Unlawful or Improper XXXX, XXXX, Impoundment, or Garnishment against any funds, bank accounts, savings, accounts, XXXX! XXXX funds, investment funds, social security funds, intellectual property, or any other property belonging to the XXXX XXXX by any agency :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act the accounts listed below has violated my rights : XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX are associated with information I am disputing as fraudulent. Will you please remove from my Experian and XXXX report.

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 2020-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I filed a dispute with bank of america EDD debit card due to errors with a teller withdraw, I faxed over all documents to show that there was an error on there end. On XXXX XXXX I recieved a a credit. On XX/XX/2020 the credit was reversed, I have been reaching out to the claims department, on the morning of XX/XX/2020 I called claims back and was told there was no reason that the claim should have been reversed and that she would escalate this to the correct department to get it corrected, I didnt hear anything back so i decided to call back on XX/XX/2020, i got a really nice representative that went above and beyond to try and rectify the issue. I thought it was going to be fixed but then the representative came back and said the supervisor said escalate the form again, I filed a official complaint with the representative and she said that would force them to promptly look into it, I also requested to speak to another supervisor, supervisor came on the phone and then disconnected, I have reached out many times to the claim department and they just keep saying it will be corrected in one more day, so today XXXX XXXX I called and was on hold for 2hours and 58 mins, finally a representative picks up and looks into the claim and say the credit should be applied in about 2 more business days, I request to speak to a supervisor she transfers me and a man picks ups, I start to explain the situation and he says yes I have looked at your account and I will adjust this immediately, he proceeds to tell me to hold on and then transfers me to customer care, and the representative tells me he can not assist me, I am currently on the phone with them and have been on hold since XXXX XXXX, it is now XXXX no one has picked up, I have XXXX  children and the error is just taking away all the money the edd is providing 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
Consumer complaint received 2022-02-07
Company: Risecredit, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've been trying repeatedly to get this incorrect info off of my credit report. Please investigate the date of last activity. Please only respond to me through CFPB portal. Communication by any other means will be considered harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

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 2021-06-23
Company: Cedars Business Services, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midwest Recovery is reporting something on my credit file that I believe to be over 10 years old. They have not sent me any type of notification it just started to report on my credit file in 2018 for which I disputed it and it was removed. It started to report again this month. I am unclear what the debt is for but I again believe it's something that occurred over 10 years ago. They can not continue to just report it randomly!

Company response to consumer: Closed with explanation