BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-26
Company: Resurgent Capital Services L.P.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX : Collection Open Date : XX/XX/XXXX Status : Seriously Past Due Assigned To Attorney Account Disputed : Several Times In Regards To This Collection There Has Not Been Any Mail Sent In Regards To This Debt Claimed Owed. Information Is Not Available And Has Been Hidden. I Have Sent A Notice In Regards To The Response Of This Debt On XX/XX/XXXX & Still Have Not Received Information. I Have Been Fighting To Get Removed Due To Fraud And Non Information Of Debt On My Account. 

I Sent A Letter Stating : This is a response to non information sent in regards to validation of debt and errors on my credit reporting to credit bureaus and the highly negative credit information. This notice is being sent in pursuant to the fair debt collection practices Act, 15 USC 1692g Sec 809b that your claim is disputed and validation is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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 personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
I am a potential victim of the Equifax leak. My information including my name, Social Security number, birth date, address and drivers license numbers ... possibly also my Credit card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
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:
FCRA violations never late : XXXX XXXX XXXX address not mine FCRA violations : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
In XXXX 2015 I requested an annual credit report from Experian, XXXX, and XXXX. To this day I have not received a report. I would like to know the next step to take

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Could this be discrimination when I have disputed this fraudulent account XXXX XXXX XXXX  and XXXX as well as XXXX XXXX  and the addresses associated with the accounts with the same information. And, a police report provided just like my husband did as XXXX is listed as a joint account. His was removed from all 3 bureaus and mine remains on XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: NY
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:
NEW INFORMATION, Experian took more than 30 days to investigate this notice and over 3 attempts. They BROKE THE LAW!

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 2022-02-11
Company: AES/PHEAA
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, XXXX, and XXXX all have me reporting late for 12 months total between XXXX and XXXX for Fedloan servicing. I have attempted on several occasions to have this issue resolved. I have spoken with the creditor and they have confirmed that I have never been late on any of my loan payment accounts and provided me a statement letter with this information and the credit bureaus fail to update the systems with the accurate information. I have several student loan accounts with this company and only one is showing late reporting which is in accurate. I would like to have my report updated accordingly please. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed with the credit bureaus about an account I seen on my credit report, they came back saying the account was verified. I asked how was it verified they claimed I had to call the collection agency. so I called XXXX XXXX/ RESURGENT and asked how did they claim the account was verified they said just by my social. the first person I spoke with as named XXXX, who on a recorded line stated they only verified using my social security number no other identifying information was given from the original creditor. if I wanted more information I would have to write them for it. why would I need to write them for more information when she already told me they just had a social to verify it. where is the contract signed, dated with proof of my identity that was used for the account in mention? there was non. so iasked to speak to a supervisor which her name is XXXX, she was no help at all. she said we can dispute it again I asked how would you verify the account is mine? she said by social. so no one has physical proof of this account? nothing more than a social security number? that's how people get over on things because no one asks for photo ids along with social security or other identifying documents, so much identity theft in the world.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, my wallet was stolen while I was at an ice cream shop at the corner of XXXX and XXXX XXXX in XXXX, New York. Within an hour I noticed that two unauthorized charges to the tune of {$400.00} had been made to my account. I immediately reported it to my bank, TD, who told me to file a police report. I filed the police report within an hour of being off the phone with TD. 

On XX/XX/XXXX, I went to a TD branch to obtain a new debit card and also informed them about my issue. I told them about the steps I undertook to correct the issue, and they said it should be resolved without issue. 

On XX/XX/XXXX, the dispute was denied, stating that " the card was not utilized under after you notified us to close the card '', which is patently incorrect - The {$400.00} of unauthorized charges shows that. I called TD as soon as I received this letter on XX/XX/XXXX, to which no one would help me further other than to re-file the report. The fact that I followed all of the bank 's steps and am still out {$400.00} is ridiculous and shows they took no effort to investigate the claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased a coat from XXXX in XXXX. I received the coat in early XXXX, the coat was not what I ordered, it didn't fit correctly, so I packaged it back up, took to Post Office and sent it back. I called a week later to see if they received back, and they verified with me the coat was received back by them. I started receiving a bill for payment and after enormous phone calls to rectify the issue with comenity bank and XXXX, I discovered my account was in collections. I had already closed my account. I AM NOT PAYING THEM FOR A PURCHASE THAT WAS RETURNED.!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-29
Company: VW Credit
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX, XXXX I returned my XXXX Volkswagen TDI to Volkswagen as part of the TDI diesel settlement. <P/>On XXXX/XXXX/XXXX I asked Volkswagen Credit of America why even though my account is being shown as closed why {$12000.00} is still being shown as an open amount by credit reporting agencies. On XXXX/XXXX/XXXX they sent me a XXXX balance letter an indicated that it would take 30-90 days for the credit reporting to take affect. <P/>The first of XXXX XXXX I contacted the Volkswagen Credit of America Toll Free number and was informed that they would forward to a special credit reporting group and send me a letter when completed. <P/>As of XXXX XXXX, XXXX the balance is still being shown as open by credit reporting bureaus. Since my loan was paid in full on XXXX XXXX, XXXX I wish to show the open balance of my account with VW Credit as XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: IA
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 did n't thoroughly vet their security software of their forward facing or back-end systems and in the process leaked over 100 Million peoples PID to criminals that could use that to exploit people and ruin their lives. They waited 3 months to say anything about it and were as crass as to hide an arbitration clause in the terms of there free " help '' when it was their fault it happened in the first place. Not to mention the fact that the three top people that would have known about the breach as soon as it was detected decided to whimsically dump some of their stock in the company.

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:
My information was likely included in the Equifax hack, according to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Chime Financial Inc
State: CA
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:
XX/XX/XXXX XXXX money was withdrawn from a XX/XX/11 on XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX a total of XXXX $ were taken without me being there or my permission. 

I called that same day to file a dispute. They cancelled my credit card that was used. I still had this card in my possession so I know they copied my card and used it at the atm. 

They sent me an email on Sunday XX/XX/XXXX saying that they closed the investigation and no credit or money would be refunded back to me, if I had anymore information they would gladly reopen the case. 

I called them today XX/XX/XXXX, and asked to reopen the investigation. I sent them an email and they got to be back shortly after saying the same thing that they couldnt refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Received the bill/coupon in the mail. I filled it out and returned for remittance. They did not credit the account accordingly. Instrument was not returned within the 3 days to dishonor the instrument submitted.

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 2022-02-11
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, I received an email from Santander Bank advising me that my " 1099 INT Tax Form for XXXX is now available for viewing. '' I attempted to log onto the Santander Bank website to access the form, but I was unable to do so. In XXXX, I closed my account. Despite the representation that I could " access '' my tax form, which was " now available '' and " now ready, '' I could not log in. I called Santander Bank 's customer service and spent 10 minutes on the phone to attempt to access my account or the 1099-INT form that was " now available, '' but the representative simply advised me that I would receive it in the mail by XX/XX/XXXX. I repeatedly asked why Santander sent me an email telling me that my tax form was " now available '' and that I could " access '' it, but I did not receive an answer. The representative conceded that the form was " not available '' for me, despite the communication to the contrary.

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 2017-09-07
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
US Bank issued me an escrow overage refund check in the amount of {$1600.00} on XXXX XXXX XXXX. The check was lost and never cashed. I recently found the check and contacted US Bank on XXXX XXXX XXXX requesting the check be reissued. US Bank denied the request and told me to contact The Minnesota Department of Commerce,  Unclaimed Funds. I reached out to them on XXXX XXXX XXXX via email and was sent a response stating that they have no record of these funds ever being submitted to them. I reached out to the Minnesota Department of the Attorney General on XXXX XXXX XXXX and was encouraged to reach out to the Consumer Financial Protection Bureau for help. 

Thank you very much for your time and attention!

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: TRANSUNION INTERMEDIATE HOLDINGS, 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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2017-09-08
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
While processing my XXXX re-certification for income-driven payments, FedLoan Servicing improperly capitalized nearly {$50000.00} of interest on my student loans. 

I submitted my annual re-certification application on XXXX XXXX, XXXX, and when FedLoan was not acting on it, again on XXXX XXXX, XXXX -- one application requesting to continue the same IBR plan and the other requesting the lowest payment option. I then received notice that my loans were placed on the standard repayment plan and, corresponding to that, a bill for thousands of dollars. After a series of phone calls and correspondence trying to figure out what was going on and none of the representatives understanding the issue either, my accounts were placed on some kind of administrative forbearance ( and this has happened in previous years, as FedLoan has routinely botched my annual re-certification process ). Later, I found out that because of that forbearance, almost {$50000.00} was capitalized on my loans.
After a number of inquiries and demands for reversal or explanation, I received an email from FedLoan on XXXX XXXX, XXXX, acknowledging that " ... a review of your interest capitalization has been submitted on your account. Please allow up to 7-10 business days for processing. '' That was 7 months ago and I have not heard anything since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
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:
Read an online news article published XXXX/XXXX/XXXX about Equifax 's security breach that occurred XXXX/XXXX/XXXX and was not disclosed by them until now. I immediately logged on to their website and checked if my identity was compromised, I was informed by them on their website that my data was indeed affected/breached/stolen. I did not receive from Equifax, an email, a text message, a letter of explanation, nor a phone call informing me of their lack of securing my data.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: IA
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 identified 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, the unauthorized access occurred from mid-XXXX XXXX XXXX 2017..  The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. Criminals also accessed credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Per document sent XX/XX/2022. I XXXX XXXX did not ask for any validation of any debt nor did I request the alledged contract. The document was that Ad Astra Recovery services infringed on my rights to privacy with no consent from me XXXX XXXX. Again please read the notice fully and about rights to privacy and UCC9 -109. Your in clear violation of privacy and privity to contract and if you continue to disregard this matter you will have to settle this in arbitration. Please forward this letter to your Registered Agent for services.

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:
This is in regards to the Equifax breach. I was informed I may have been effected by the breach.

Company response to consumer: Closed with explanation