BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-09
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company has sent us mail stating they have won a law suit in court against us and we have to pay them the money owed we can go to jail, we have been paying them to avoid problems, but have been severely affected by covid-19 and have had to not pay other important bills to pay them out of fear, this is the second time they do this to us, this one is under my name, they also have a judgment on my husbands name in which we also have been making payments with out being able to.

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: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My information was divulged during the 2017 Equifax data breach. I have filed a 90 day fraud alert on my account and will continue to monitor my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Chrysalis Holdings LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I attempted to file this with the FTC, but they kept kicking me over to you. I do not have a mortgage with them. this is about deceptive advertising. I'm a XXXX XXXX XXXX and would like to file a complaint against the deceptive advertising of NewDay USA mortgage company. They are advertising for a cash-out Refinance, get {$60000.00} cash-out and also reduce your monthly mortgage payment by {$600.00}. This is impossible. Especially with the higher rates, and adding in another XXXX  XXXX fee charge. Just a bait and switch tactic The ads run daily on TV and on their website. 

It's a sad day when a veteran owned company ( that's what they also advertise ) takes advantage of our XXXX XXXX military and veterans. Their lives are already hard enough without being taken advantage of by a mortgage company. VA foreclosures are high enough without this kind of nonsense. This is just setting up failure! 

hXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I just gotten my State Income Tax Refund into my Huntington National Bank Account and then a couple hours after that they closed my account and put it on hold for 14 to 21 days. I now can not get access to my funds nor to my online banking. I called them and they told me that my funds and the online banking would be available within 14 to 21 days from now. That means I don't have access to these funds until about to XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MA
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 Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. I used this site and was prompted with the message, " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: BMW Financial Services NA, LLC
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:
BMWFinancial in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

15 USC 1692b ( a ) ( 2 ) BMW Financial was never written consent by me to report any of my information to the credit bureau 2. 15 USC 1692d ( 1 ) BMW Financial has harassed the physical person damaged my reputation and stole my property.

3. 15 USC 6802 ( b ) ( 1 ) ( a ) I was never given a clear and conspicuously disclosure that such information may be disclosed to a third party.

4. 15 USC 80a-33 BMW Financial has willfully mutilated my account XXXX  and XXXX  are both in violation of 15 USC 1692b ( a ) ( 2 ) I never gave written consent for them to report any of my information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: VA
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:
It is absolutely impossible to speak with a person from the Experian credit reporting company. The only way one can interact with them is over the phone with a computer that is not helpful. There is no option to send an email, and when I ask to speak with an agent the computer responds " I understand you want to speak with a specialist but this is possible in limited circumstances, how can I help you today '' and starts iterating me over options which are not helpful to me. I trued to speak with a person a whole afternoon, and called a dozen times and was not able to. I suspect that someone else is using my user name with experian and I was not able to talk to anyone from the company.

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 2021-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
My husband and I have a Capital One Auto loan, I am the primary holder and he is a co-signer on the loan. On XX/XX/XXXX he made his final car payment using the third-party system called, check-free pay. He was re-directed to it from his Capital One auto account where he entered in his Capital One account number and debit card information. This payment was for $ XXXXplus the fee using the third party service. Total equalling {$51.00}. We received the car title in the mail along with an overpayment check from Capital One on XX/XX/2021 in the amount of {$48.00}. Fast forward to XX/XX/XXXX when I checked my credit score and it said our capital One Auto account was in delinquency for 66 days in the amount of {$48.00}. I called Capital One to dispute the claim, and was told the payment after 7 days was insufficient due to either an issue with our bank, XXXX  or incorrect information. Although, the payment was fulfilled on our end and never returned to us. It was taken out of our account. I have statements to prove that. I also have proof of the overpayment check and the car title.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Yes I am totally XXXX cant XXXX or XXXX XXXX XXXX of my right arm I am on a fixed income have too pay for medication food rent I have sent all my papers and they said they didnt receive it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

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 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Disputed a inaccurate bankruptcy account reporting on my credit. I personally contacted the credit ( bankruptcy court ) to where this was being handled from ( main source creditor ) & they said they do not report to TransUnion XXXX XXXX  nor do they do to third parties. So I contacted & show written statements showing the credit bureaus ( TransUnion XXXX XXXX ) where going against the law & they have not responded they basically said forget me I have been waiting for 50 days in contacting. So today I need the bankruptcy account & the accounts included in the bankruptcy reporting to be removed off my report indefinitely.

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 2020-06-22
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received an email on XX/XX/2020 stating I owed an outstanding balance of XXXX ( higher than actual amount owed ) and that the 'law firm would settle for XXXX '. Then stated if I do not respond to the email in 72 hours they would, garnish my wages, contact my employer and ftc. 

I responded back by asking for a debt validation & what kind of payment plans they offer. They stated it was from ACE loan online and I could pay a one time payment of XXXX paid in full by friday XX/XX/2020. I again asked for debt validation and I received a response saying I could pay {$850.00} today or 2 'payment of XXXX from today.. ' and " if you are looking for the payment arrangement then you can pay in five installment of {$280.00}, kindly update us the date from which you can start making payment. Do revert ASAP '' I again asked for debt validation then received an email addressed to XXXX XXXX stating if he wanted to pay his debt he had to get a vanilla prepaid card and load the funds onto that card and email it to the law firm. 

Becoming suspicious I again asked for debt validation, and I received an email stating that once the payment will go through they will close the case file and provide a receipt stating paid in full. 

I then emailed them stating I would not reply to any form of communication if I did not get a physical copy of debt validation. I stated I would be reporting them to the FTC, XXXX  and the CFPB. 

I then received the following email " We're Sorry! We cant disclose if you want to see documents then you need to help me out with your attorneys information and once documents have handed over to your attorney then NO PAYMENT PLAN will be given to you. After that willing or not you need to fight these things into your local county courthouse. we're not denying that you will not get anything once your file has been submitted for garnishment then we will manage to send soft copies of your documents at your physical address but at this point, there is no way to help you with Date 's and Time. Do revert ASAP Thanks & Regards XXXX XXXX XXXX XXXX '' I responded by stating that their email was reported as a scam to extort money from induviduals and I was forwarding it to the places I stated in previous emails. I then told them if anyone would garnish my wages or attempted to access my bank account that I would close it and put a stop payment. and since they are not validating the debt I have no reason to believe anything stated in the emails. They have refused to validate the debt.

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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax, due to improper handling of personal data, allowed a breach of personal data files. My files were a part of this breach, putting me at risk of fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to delete the following information in my file. These unauthorized inquiries need to be deleted and are listed in the report.I am a victim of identity theft. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2017-09-09
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:
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, 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. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. 
Here are the ITEMS that needs to be removed in my file : Inaccurate Inforrmation : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX  XX/XX/2022

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 2017-09-09
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name was one of the ones included in the recent Equifax hack. As a credit-reporting agency, I feel like their Information Security team should be one of the best in the field, if not the best. I do not understand why simple bug in website coding allowed such a massive breach unless some portion of Information Security was grossly overlooked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Us Dept Of ED/XXXX  Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2019-01-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2017-09-09
Company: EQUIFAX, INC.
State: MT
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, like 143 million other Americans, found out today that my personal data, including name, DOB, address, SSN, etc. were compromised in the Equifax security breach. It is unacceptable that the company is offering only one year of credit monitoring as recompense for this mistake. This information can be sold and is just as valuable fifty years from now as it is tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MO
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 identifying information which has led to a cyberattack that puts myself and millions of others at potential risk. I am infuriated 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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 told be Equifax, using their online tool, that my information may have been implicated in their recent security breach or hack.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My car was repoed after falling behind 2 payments, i reached out to honda financial about paying my full past due and even payong 6 months in advance. I had fallen behind due to unemployment payments delayed and helping my family financially with the passing of my grandfather to covid. I pleaded to please let me pay what i owed and continue with the lease due to it being my only car to transport my family in and meeting with potential employers but they lacked in reconsidering their decision.

Company response to consumer: Closed with explanation