BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Equifax failed to keep secure my personal information, exposing me to a significant risk of identity theft. They took over a month to notify the public of this breach, further exposing myself and millions of others who did not know of the risk, and during which time the executives sold off shares of Equifax in a clear case of insider trading. 

This is a massive breach of public trust. Further, the terms they 've created for their offer of compensation -- free credit monitoring for a year -- is riddled with unacceptable language granting Equifax amnesty and removing the right to sue of any injured party who accepts this service -- which they should be by law required to provide without reservations or waivers of any sort.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX ( afternoon approximately XXXX ) I went to XXXX and XXXX to do grocery. checked my bank before I use it and there is fund. The next day at XXXX I received notification that i have - {$18.00} from my husbands purchase few days ago that was only billed unexpectedly with {$9.00} each, so I immediately transfer funds to cover my -balance after i transfer it says on my account that i have paid the negative balance then after XXXX i received again a notification that my balance is negative again and been charged with {$70.00} overdraft fee which I believed is ridiculous. Ive been charged of overdraft fee multiple times in the past.they have this policy that negative balance that was not paid after XXXX will be charged overdraft fee {$35.00} each transaction the next day. so If you received your bill @ XXXX ; XXXX you will not be able to cover your negative balance and automatic charged with overdraft fee which is unfair because its not enough time to cover your negative balance in 1 min. I think it will be much better to give at least 24 hours from the time it was billed before they charge the overdraft fee.I send a complaint to FDIC which was forwarded to CFPB and XXXX I received email that the result of investigation was sent to my mail, It was written there that my case was resolved and not gon na waive my overdraft fee and was paid 25 % which is not okay.

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: 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:
Equifax mishandled my information and allowed my sensitive personal details to be stolen by hackers. I am listed as a potential victim according to their equifaxsecurity2017.com website

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX says they will not modify my mortgage because of my negative NPV. Their valuation of my house is too high and it is incorrect. My house is not worth the amount they claim its worth.They claim that I have a substantial equity in my house and that is not true.They refuse to modify my loan saying " IT IS NOT IN YOUR BEST INTEREST ''.
I want to stay in my house that I am raising my XXXX kids in. I have lived in this house for 12 years. I am a single mom constantly bettering our lives, constantly looking for a better paying job.
At my current job I got a raise and Wells Fargo is not willing to Re-Enter me into the modification process because they say that my Sale Date/Auction is within 38 days.
My sale date is XXXX XXXX, 2017.
I know for a fact that my new income will alter the negative NPV.
The new income and the house valuation error would definitely change the outcome of the NPV.
Wells Fargo is not willing to work with me quoting the ridiculous rule of being too close to the Sale Date.
I should be able to prove my case and save my house up to the very last day before the Sale Date. In my opinion Wells Fargo does not want to work with me because it is more beneficial for them to take my house away from me and sell it for profit than to work with 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 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX sent certified letters in XXXX, XXXX, XXXX, and XXXX of XXXX about XXXX alleged bankruptcy that is listed on my profile. They just now got back to me about this month XX/XX/XXXX which was too long of response and they said it was verified through a third party XXXX XXXX and pacer but not the original source and did not do personal interviews. 

Also, I sent documentation showing the court did not verify and dates letters were sent. You were to do an audit on this, you will find as true and accurate. The court name is inaccurate, an attorney name does not exist is inaccurate and docket number, and also I asked how were you able to verify on pacer when it does not show full social security number, date of birth, and other personal information.

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 2020-11-13
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Unfortunately, I was not aware of the medical debts until I inquired about refinancing my mortgage. I have not been contacted by the physician or a debt collector. My understanding is my insurance took care of the amounts due at the time of service. Another factor that may have played in the miscommunication was a move in 2019. I would like to pay the due amounts to the medical providers and have this debt removed to correct my credit score.

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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I write them ask them to prove it because it wasnt me they havent, in 6 months, I have note and disputed it with all three credit companies an asked them to do the same thing no reason why it still there.

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 2021-08-27
Company: AMERICAN EXPRESS COMPANY
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for a XXXX XXXX credit card on XX/XX/XXXX. I signed up for this card partially for the bonus offer of XXXX points if I met a {$15000.00} spend within the first 3 months. I met my spend in time. I contacted American Express probably back in XXXX or XXXX to check on why the bonus offer is not showing, they informed me that it would post shortly. Talked to American Express last Friday XX/XX/XXXX to check on the bonus offer. Someone informed me they would look into it but never did. I checked again on XX/XX/XXXX and was informed that I didn't qualify for the offer. This was the first that I was hearing of this. The person who I had an online chat with wouldn't offer any help beyond saying I didn't qualify even though when I applied I was told I would receive the offer and 2 other times I was told they would look into it and 1 time was told that it would post shorty. I believe American Express chose not to give me the offer after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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 was reported today ( XX/XX/XXXX ) that Equifax was hacked in XX/XX/XXXX and many, many consumers personal identifying information was compromised. According to their website equifaxsecurity2017.com, my data were among those stolen.

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:
On XX/XX/XXXX I was notified that Equifax had been hacked I that my information has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Account # XXXX .... 

I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}. I am a victim of identity theft, and I did not make or authorize this charge An account was placed under my name erroneously. Since then, BARCLAYS BANK DELAWARE has damaged my name, and my credit BARCLAYS BANK DELAWARE has entered derogatory information into my credit file. I should not be responsible for BARCLAYS BANK DELAWARE mistake. BARCLAYS BANK DELAWARE has resource to enable accurate information about the clients inquiring new services. BARCLAYS BANK DELAWARE allows an account to be placed under my name erroneously. BARCLAYS BANK DELAWARE should verify all information prior to approving any application 's for services. 

FTC Report 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 2021-08-27
Company: EQUIFAX, 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:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I write them ask them to prove it because it wasnt me they havent, in 6 months, I have note and disputed it with all three credit companies an asked them to do the same thing no reason why it still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After reviewing my credit reports I noticed that you are alleging that the following accounts are Collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. 
CAINE & WEINER COMPA ***** Balance {$1500.00} - Opened XXXX XXXX, 2022 CAINE & WEINER ( XXXX ) XXXX Balance {$1500.00} - Opened XXXX XXXX, 2022 CAINE & WEINER ( XXXX XXXX  ) ***** Balance {$1500.00} - Opened XXXX XXXX, 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
Equifax poorly secured my data in their system and now that system was exploited and my data as well as the data for hundreds of thousands of others may have been compromised. Credit freezing for all impacted users should be free of charge rather than me having to pay a fee back to Equifax. 

It 's unconscionable that Equifax is profiting after their lack of security to protect our data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Blackhawk Network Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Hello my name is XXXX XXXX, I am writing today to place a complete complaint against XXXX in the depart of XXXX gift card. My complaint is in detail below. 


Today my family received a XXXX gift card of XXXX dollars value from our case worker at the homeless shelter .I activated the card proceeded to take my family to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX at XXXX pm me and my family arrived at the restaurant and placed our order when then the card was declined. We double checked with the card balance and the activation everything was in place .We contacted customer service support and spoke to supervisor Tony with the employee ID # XXXX at XXXX. He proceeded to tell us that XXXX blocked the transaction due to fraudulent activity. There was nothing they could do to assist in the situation but send us out a new card with in 15- 20 days ..We stressed the severity of the situation many times and then the Supervisor XXXX went in to attempt to handle the situation but could not due to that is just how the system works ..As my family became extremely distressed with the situation of not being able to eat at the restaurant we resolved the issue with the restaurant with the order placed. Then went on to head back to the XXXX XXXX  where we reside XXXX XXXX XXXX XXXX  center XXXX XXXX XXXX, XXXX, TX XXXX where we missed meal call was not able to obtain any other means of food for my family at that time or we would not have been able to get back into the center to sleep passed curfew.. Leaving a family that has two children who are already currently facing many other issues at this time to have to go to bed hungry.. This use can not simply be resolved with just another card due to there is no address to mail the card to our family and in the current state of our families living situation among our children and all this has been nothing but a critical situation that has taken a toll on everyone emotionally at this time.. Me being the mother of this family already suffering for a severe XXXX this has brought me to an extreme place of distress as I lay down tonight. I would like to file this complaint to the fullest extent due to the following The fraudulent activity hold was improperly imposed and took a toll on myself and my family in a major way. 
Leaving me hungry and very upset beyond what one can take at this time. 
The shame and embarrassment that our family had to endure due to this improper imposed fraudulent activity hold without first consulting with the card holder.. 
Thank you for your time.. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-12
Company: EQUIFAX, INC.
State: WA
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:
I have paid all child support in full and I have tried to dispute this with XXXX and Equifax and they both are not allowing me to dispute it. These accounts have been paid and they are settled and my credit report is not reflecting this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: PA
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 checked today ( XXXX ) with Equifax and they believe that I was affected by their recent data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
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 account is has been dispute multiple times with both attorney general and Equifax. The balance has been incorrect and also should only be one account not two accounts. They have failed to verify the account information and also when speak with the attorney general they have fail provide an letter stating that I have only one account instead of two.

Company response to consumer: Closed with explanation