BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. 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 2022-06-16
Company: Experian Information Solutions 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2022-06-16
Company: Experian Information Solutions Inc.
State: NJ
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 FCRA 15 U.S. Code 1681c2 and 15 U.S. Code 1681 consumer credit agencies XXXX and XXXX have violated my rights to have my information blocked as result of identity theft and have failed to report fair and accurate information on my consumer report profile.

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 2017-06-05
Company: Mercedes Benz Financial Services
State: DC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I executed a lease transfer agreement with Mercedes-Benz Financial Services ( MBFS ), which finalized on   XXXX   XXXX   XXXX  . MBFS managed the process by which I took over ( assumed ) an existing lease.
<P/>
MBFS transfer requirements included advance payment of one month lease plus a transfer fee.
Both there payments were submitted, and were accepted and processed by MBFS. I have been making regular lease payments on the   XXXX   of each month beginning with the   XXXX   payment, and seeing a subsequent {$0.00} balance.
<P/>
Sometime following my payment on  XX/XX/XXXX  ( and showing a {$0.00} balance ), I received a call from MBFS collections department stating I was in arrears. ( The amount deemed late was equal to exactly 1 month payment plus the transfer fee amount of {$610.00} ). I called MBFS and was told that on @  XX/XX/XXXX  " someone '' had " removed '' those two payments from my account. The representative stated that he did n't know why and would start an inquiry and that I would be contacted in 2 business days.
<P/>
6 phone calls later by me trying to fix this, and incessant robo-calls from MBFS collections over two weeks, has me getting nowhere but very frustrated. On my last call of  XX/XX/XXXX , the reps were unable to connect me to a supervisor as I requested. I give up.
<P/>
The ground level employees answering the phone are cordial and seem genuinely interested in providing assistance, but it only results in my hearing about the limitations of one department and how it 's the responsibility of another department and enduring multiple transfers and long hold times, only to start over explaining the issue. I 've spoken with 3 or 4 departments all to no avail.
<P/>
This is disjointed and represents an unreasonable burden on a faithfully paying customer. I 'm sorely disappointed in MBFS and their lack of supervision and oversight.
<P/>
I 'm requesting assistance in having this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This line of service was opened without my consent. The account is fraudulent and I am not responsible for the charges.

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 2017-09-12
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:
Equifax recently revealed that many accounts have had information stolen from them, and there is no way of knowing which accounts are at risk. This has been happening for about 6 weeks, and Equifax only just released a statement.
Equifax asked users to go on a new website where you could check if your account was at risk. It was quickly revealed that the website gave out random results and was n't at all a useful tool.
I am trying to do everything I can to protect my information. I have never used Equifax ( as I mainly use XXXX ) but since the 3 largest Credit Unions are so interconnected, hackers could still steal my information despite me never giving it to Equifax.
My information is n't their property, even if they believe it is. I have never used their service, and because of their neglect for their customers ( or as they believe, " products '' ) I now have no idea if my personal information ( that I have made a huge effort to protect ) is at risk.
Obviously this is n't just a problem for me, it effected millions. But I just want my voice to be heard because I do n't view myself as a product, and I do n't like the idea of a major company being able to give away information that was n't given to them willingly, and is n't theirs. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: EQUIFAX, INC.
State: CA
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 am continually being called on the telephone by this agency over these alleged debts. I am requesting validation of this debt.These accounts had been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. 
I am sure that I settled these accounts and they were not mine. This account was taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
My credit report shows a company called  XXXX   XXXX   XXXX  in   XXXX    alaska.Is claiming that i owe them over  XXXX   XXXX  dollars from five years ago. I am Inquiring as to why that is?

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 2017-09-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I learned that Equifax allowed my personal data to be shared outside of their organization with nefarious hackers. Then they attempted as their resolution to the problem to provide me with a service that they supposedly sell to monitor my credit for only a year ..after that of course they 're going to charge me for it. The fact that their security was so lacks that they allowed my sensitive pii to be shared outside their organization was bad enough but the fact that their resolution to the problem is a money-making scheme is infuriating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
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: Credit inquiries on your report that you don't recognize

Complaint:
This account do not belong to me i never had a contract with this company please remove this account .Also my rights are being violated 15 U.S.C 1681 section 602 A. states I have a right to privacy. 15 U.S.C 1681 section 604 A. also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt. company name : XXXX XXXX Adress : XXXX XXXX XXXX XXXX, Ma XXXX Date opened:XX/XX/XXXX Balance Claimed : {$420.00} I have no knowledge of this please remove immediately. Thank You sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 non-monetary relief
Consumer complaint received 2019-11-24
Company: FirstPoint Collection Resources
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit today and noticed this was added. I have no idea who these people are and was never called or given the opportunity to dispute this balance. The original creditor says XXXX and I have no clue who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is the second time I 've had to ask for assistance from the CFPB. I have many unauthorized ATM transactions on my Citibank checking account. I now have a small overdraft because of my missing funds and they 've threatened to close my account if the overdraft is not paid. I should have over $ 2k in my account. It 's been well over 10 business days since my dispute. They should at least provide provisional credit while they investigate. I thought that was 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 explanation
Consumer complaint received 2017-09-12
Company: U.S. BANCORP
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Loss mitigation paperwork filled out any sent in, denied because lack of earned income. So, then I was able to fill out another one because I got income. I turned it it, with 7 days of foreclosure like the new letter stated. When they received it, they said I only had business days and real time. They discriminated me, I filed a complaint, they denied it but postponed foreclosure. So I was able to fill out loss mitigation paper work again on XXXX/XXXX/XXXX due by XXXX/XXXX/XXXX as stated in the letter. I filled it out and had it sent in by XXXX/XXXX/XXXX but they did n't receive it until XXXX/XXXX/XXXX ; but they did n't accept it because they stated that there was a different due date then what the letter stated. The problem is on XXXX/XXXX/XXXX they denied me my rights to loss mitigation, they are n't following the laws of SS 1024.41 ( h ) ( 2 ) deadlines. They are not honoring the letter and now there is only 3 days until foreclosure. 

They have been evading my application all year. And as soon as they found out I had a XXXX they acted like I already lost it and would n't accept my application. This is for US Bank, XXXX. 

They never sent me a denial letter and I read that they should n't be able to continue the foreclosure process until I do receive it. I have heard nothing. I am a single parent doing everything they requested and still they denied me what the letter said was available to me. I followed the guidelines, I still have the letter with the deadline of XXXX/XXXX/XXXX. They changed their rules and did n't tell 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 2022-06-16
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:
This account do not belong to me i never had a contract with this company please remove this account .Also my rights are being violated 15 U.S.C 1681 section 602 A. states I have a right to privacy. 15 U.S.C 1681 section 604 A. also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt. company name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2001 Blance claim {$660.00}. I have no knowledge of this please remove immediately. Thank You sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: SC
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:
Theres 13 hard inquiries in my credit score credit bureau refuse to delete them I even called all the companies that was posted on my credit score they cant even find me on there system and they dont have access to even send me letter to remove me but credit but asked me to get a police report I went to a police department to get a report they refuse to give me one cuz they said they dont have hard inquiries report please help me with cause I am exhausted about the situation that Im in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: NC
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 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
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:
On XXXX XXXX, I have learnt about the Equifax hack. I checked on their website and my " personal information may have been impacted by this incident ''. 
Later on, I tried to get a credit report from Equifax and it failed. 
I tried to freeze my files and it failed. 
I also learnt that the Equifax website to check about the incident does n't even always give reliable information. 
I was in XXXX for work and I had to come back to the US in  order to figure out how to solve this problem since all the internet-only actions have failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: CNG FINANCIAL CORPORATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I continue receiving bills from XXXX XXXX XXXX on an account that I paid off and closed months ago. I do not understand why I keep receiving invoicesfor an account that was closed months ago. I made my final payment and requested my account closed but approximately a month or two ago, I started getting new bills indicating that I still owed a balance on the account. I called the corporate office and asked to have my concerns escalated to supervisor fora callback but no one hasreturned my call so far. Today, I received another statement showing that I owe {$320.00}. 

WHY DO IOWE THIS AMOUNT? THEY ARE SUPPOSEDLY CHARGING ME A MAiNTENANCE FEE ON AN ACCOUNT THAT I REQUESTED CLOSED MONTHS AGO WHEN I MADE MY FINAL PAYMENT? 

IN ESSENCE, TRYING TO RIP FOLKS OFF BY CHARGING A MONTHLY MAINTENANCE FEE FOR APPROXIMATELY XXXX. WHY ARE THEY MAINTAINING AN ACCOUNT WITHOUT MY PERMISSION I PAID ALL THAT I OWED THE COMPANY AND MUCH MORE THAN I BORROWED BASED ON THE HIGH-INTEREST RATE THAT THEY CHARGE AND NOW THEY WANT MORE MONEY. 

CLOSE THE ACCOUNT AS I REQUESTED WHEN I MADE MYFINAL PAYMENT AND STOP SENDING INCORRECT BILLS TO ME WITH NEW CHARGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: EQUIFAX, INC.
State: TN
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:
All of my personal identification have been stolen. Drivers license, social security card, birth certificate. All of my personal information have been changed with Equifax. A seven year fraud alert have been placed on my report. I 've spelled my name as XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX. XXXX is my maiden name. I was once married to XXXX. XXXX XXXX XXXX XXXX XXXX XXXX child name is XXXX. XXXX XXXX XXXX XXXX His birthday is XX/XX/XXXX. My XXXX  child name is XXXX XXXX XXXX XXXX.his birthday is XX/XX/XXXX. He was born at XXXX  XXXX in XXXX XXXX. He have a XXXX XXXX & he 's a substance abuse. XXXX have been taken advantage of because of his XXXX, by the XXXX Family & others. The FBI told me to pull my credit report, because it 's an inside job. A monitoring service have been added to my report, to prevent me from pulling my report. I was also told to pull all of my tax returns. Because my date of birth have been changed, my employers have been changed. Social Security have written me a query with all of the EIN numbers of my former employers from XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX I filed Bankruptcy. The property at XXXX XXXX XXXX XXXX had been refinanced by The XXXX Family in XX/XX/XXXX without my knowledge. A series of people was linked to me with XXXX XXXX XXXX XXXX. In XX/XX/XXXX someone reported a fraud XXXX XXXX to IRS. They used The Department of Labor FIN number was used. The property had been turned over to Tennessee Housing Development. The property was sold for {$18000.00}. Yet {$35000.00} was reported to IRS. XXXX XXXX XXXX reported to Equifax I owe for their service. I was no longer in the home. I was forced out of the home. I was n't involved with the selling of the home. XXXX XXXX XXXX and all of her children abused XXXX XXXX XXXX services. My late father social security number is being used. The late XXXX XXXX have been deceased since XX/XX/XXXX. My mother social security number is being used, she has been deceased since XX/XX/XXXX. XXXX XXXX XXXX is my mother 's name. I reported this to XXXX XXXX XXXX years ago. At the time I did n't know my credit report had been tampered with, in the way that it have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
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:
This account do not belong to me i never had a contract with this company please remove this account .Also my rights are being violated 15 U.S.C 1681 section 602 A. states I have a right to privacy. 15 U.S.C 1681 section 604 A. also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt. company name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2001 Blance claim {$660.00}. I have no knowledge of this please remove immediately. Thank You sincerely, 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 non-monetary relief