BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2018-10-19
Company: ERC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
After receiving an initial letter from XXXX XXXX XXXX ( ERC ) I replied in writing that I disputed the validity of the alleged debt and that any future communication from them was to be exclusively in writing ( no telephone calls to any number ). To date I have not received any verification or validation information or even any acknowledgment of my dispute and they continue to call my cell phone ( sometimes multiple times per day and/or early in the morning ) despite receiving both written and verbal cease communications orders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The XXXX and XXXX Credit Bureau is reporting inaccurate information on PORTFOLIO RECOV ASSOC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have requested to de-escrow my mortgage. PHH Mortgage is my mortgage holder. They have consistently failed to make the necessary tax and insurance payments, and are over-withholding amounts. I am very careful with my bills and do not appreciate PHH provided me with instructions on how to de-escrow the account. I followed the instructions in XXXX of XXXX and weeks later received a letter that the next disbursement was too close so they could not de-escrow and I would have to re-apply in XXXX. I re-applied in XXXX and within 2 weeks received a letter with a form to be filled out and emailed back to PHH. This was completed on XX/XX/XXXX. It is not XX/XX/XXXX, and I have not received my escrow disbursement. I called in, and PHH claims to have no history of any application to de-escrow. I am now being told that because a tax payment is due in two weeks that I will have to start the process over again in XXXX. 

As a consumer, I should not have to spend countless hours on the phone with customer service representatives in XXXX who are unable to provide any assistance. I live XXXX minutes from PHH 's " office '' in XXXX XXXX, NJ where their apparent headquarters is located and have offered to come into the office to sit down with a representative from PHH to resolve the matter, but am told I have to call the customer service line.

I am unable to get this resolved directly with PHH and am requesting assistance from the CFPB. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Data breach by malicious parties and personal information stolen for myself and millions more was announced on XXXX. Breach occurred in the XXXX - XXXX time-frame and was discovered XXXX XXXX. Interesting that it took a month to come clean about this. 

Information that came out says this was a simple hack that could have been prevented by adequate security. Since that was not in place and instead an easily hacked system that I can only assume was used to shave a few dollars off the IT budget. 

Since my private information is now up on the dark web or in a torrent I will always need to use credit monitoring and other measures until the day I die. This will affect my ability to pay my rent or own a home, purchase a car, obtain legitimate credit, my medical expenses and of course other consequences I have now way of predicting. 

We have put trust in financial corporations to keep our private information safe. Shirking your responsibilities to the consumer in the most catastrophic way possible is not the way to do that. 

The pursuit of profit may be all consuming but remember you need consumers to use your goods and services, treating them with this level of disdain for their financial security is unacceptable. There are people who 's lives will be destroyed by this. Actual flesh and blood people who are doing everything they can to survive in this rigged game. Meanwhile 'you ' will likely get a bail out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 first opened my ( secured ) Capital One XXXX card in 2019 with a {$200.00} limit. About two years ago I called and asked to raise the limit by depositing more money, which was not allowed more than 30 days after opening the account. I recently learned that Capital One will 'graduate ' a secured card into an unsecured card after 6-12 months and good payment history. This would allow me to gradually get credit line increases, since a secured card can not be increased. I have had the card for nearly 4 years and have a perfect payment history, but when I called Capital One to request that the card be upgraded to an unsecured card, my request was denied and I was instead told to keep making on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: TN
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, XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 15 US 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 absolutely 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 2017-09-08
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:
I have been identified as a potential victim of the Equifax security breach. My personal information such as social security number, addresses, drivers license information, and more personal identifying information has possibly been breached. 

I was notified of this possible breach through news media on XX/XX/XXXX, and never through Equifax. I opted to look up my information on their website ( https : //www.equifaxsecurity2017.com/ )  designed for inquries. They indicated I may have had any information they had on file for me compromised. They did not say which pieces of information, but that I may come back to the site on XX/XX/XXXX to take further action, which includes credit monitoring by their company- which has been proven to be ineffective from a security standpoint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: UT
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:
Per the announcement made on XX/XX/2017, Equifax failed to properly secure and protect my personal information. I verified this on their website. That information has now been compromised in a cyber attack along with millions of other consumers. Equifax also failed to notify consumers of the attack for over one month, therefore escalating the severity of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: U.S. BANCORP
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:
On XX/XX/XXXX, I was informed that the bank denid my request to remove the delinquency charge. 

They admitted that the mail had bounced as I had not been able to receive mail due to the homeowner who sold me the home losing the keys, and that US Bank had the incorrect email on my file so I did not receive any email notifications about my delinquency as well. 

I thought my account was setup with XXXX and enrolled in autopay, so when I found out that my score dropped 150 points due to a delinquency charge ( unknowing that another bank had taken over my account ), I immediately found out whom owned my loan by searching XXXX and paid off the debt. 

Because there are a lot of phishing calls, when they called me to notify me of delinquency, I would immediately hangup because I thought it was a scam because in my head, I was auto enrolled in my mortgage payments and no bank would call me. I figured they just wanted my personal information because I had never heard of this bank.

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 2021-10-08
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I recently submitted a request to XXXX to receive my three free annual credit reports. I received my credit report from XXXX and XXXX XXXX but was denied my request from Equifax. I am submitting this request to assert my consumer rights and attain my credit report from equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: SYNCHRONY FINANCIAL
State: AR
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:
Three weeks ago, I was turned down for credit at local XXXX XXXX XXXX XXXX. The bank that manages Lowes ' credit accounts is Synchrony Bank. I was told they would contact me within seven to ten days. But they have not told me why my application was rejected and it has now been almost four weeks.

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 2022-07-12
Company: Experian Information Solutions Inc.
State: TN
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:
This is in response to compliant XXXX for CFPB. I have submitted a fax to XXXX with the front and back of my social security card.You should be able to verify as of now. If not I can send additional information. The soft inquires that I am concerned about dates are from XXXX through XXXX. I think I have been a victim of fraud or identity theft. As you look over my file you will see I've disputed serveral of these items month after month. However, XXXX refuse to investigate and or remove these items. I have multiple disputes filed with XXXX with no avail. I have called several times as well about these items and still the same response. Now, I am receiving dna information from a company called XXXX to my email address but the name attached isn't my name. I also had a hard inquiry from XXXX XXXX in New York. Along with a po box and a physical address both in New York. I have never been to New York nor have I lived there. I am a nurse so there's no need for restaurant equipment. There are hundreds of soft inquires that I didn't do. There are so many there I can't list them all. Please help me and thanks.

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 2017-09-08
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 reported a hack. I went to their provided website and it says that my personal information is impacted by the breach. I will also be calling them to get an initial fraud freeze placed on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Co 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2017-10-19
Company: EQUIFAX, INC.
State: NV
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:
I have sent 4 request for Equifax to verify in accurate accounts on my consumer report I asked for them to send me documentation they have in their files that they used to verify these accounts ( FAIR CREDIT REPORTING ACT, 15 U.S.C - 1681g ) I have not received any response from Equifax regarding these accounts. I have asked for them to send me the documents and not to just send that they have been verified I would like documentation that show this and if not documentation is not there to immediately delete them under section 611 ( a ) ( 5 ) ( A ) ( I )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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 financial risk, and, through no fault of their own, forcing those millions to be on high-alert for activity on their credit account for potentially the rest of their lives as their personal identifying information has become public on the undying record of the Internet. 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. This puts everyone affected in an even more difficult position than was ever necessary, as we must now be both proactive to prevent damage from the breach of our sensitive information and reactive to fraudulent activity that had free rein to occur in the time that this breach of information was kept secret from us. Furthermore, their response has not inspired faith that they have learned from their mistakes and are making efforts to improve their security, as they flagrantly disregard security best-practices in their attempt to prove that they are taking security concerns seriously : for example, their domain set up specifically as a response to this security breach is a new domain related to the incident -- something that anyone could have registered -- rather than hosting it as a subdomain on their existing Equifax.com domain, which would better indicate legitimacy. By making such a no-brainer mistake right off the bat, Equifax is implying that despite their public statements they privately have no intention to more responsibly handle sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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 security leak resulted in my personal information being compromised including SS number, addresses, relatives, cell number, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: IL
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:
In XXXX, 2022 I sent a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded with a letter stating that they verified this item with XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could NOT verify this item so they deleted it from their database. 

I then went back to Equifax XXXX, 2022 and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a homeland causing me to pay thousands more in interest every year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My checking account with USAA in XXXX XXXX Texas keeps getting hacked. Last summer in 2020 I saw I had XXXX XXXX dollars of assets in mutual funds and dividends and royalties. Whenever I try to call and get my money they say I don't have any or my account is closed. I feel my identity was stolen and I'm being erased. Please help me because the Bank won't help me. I believe these people can help XXXX XXXX who put a criminal trespassing report on me in XXXX Texas when I broke my foot in her yard with my friend and I denied the ambulance and XXXX XXXX who put a criminal trespassing report on me as well when she harassed me at XXXX on XXXX in XXXX Texas and the police would not even check out the surveillance saying it didn't work. I feel like the City of XXXX has violated my civil rights and I'm treated worse that anyone can imagine. Please help me in XXXX Name Amen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CO
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:
on X/X/17 Equifax announced their information was breached through a Cybersecurity Incident, I am on the list of potentially impacted consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment to pay off my credit card balance on XX/XX/2022. When I logged on to make the payment, several payment types were offered to me. I chose a payment type that was displayed as " express processing ''. The amount of my payment was immediately deducted from my available checking account balance. I logged out and back in to the creditor 's website several times and showed no indication of a pending payment or payment made. I waited XXXX hours and called the creditor on XX/XX/XXXX to question why my payment wasn't at least showing 'pending '. The operator put me on hold several times over the course of XXXX hours and finally 'found ' the payment. The creditor sent me an email on XX/XX/2022 showing a payment posted date of XX/XX/2022. Today, on XX/XX/XXXX, I still do not have access to the available credit, but the creditor is showing FULL, not pending, application of the payment as of XX/XX/2022. I called the creditor to find out what is going on and they are telling me it will not be until XX/XX/2022 that I will have access to use my card. Today and tomorrow are the days I want to use the card, as it is specifically an Amazon Prime Card- and today and tomorrow are the once annual " XXXX XXXX XXXX ''. I asked the creditor over the phone if they will be paying me interest while holding on to my money. They indicated they will not be. I think their practices are deceptive and unfair. I made the so-called 'express payment ' a full week before I needed it, so it should be available.

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