BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XXXX XXXX of XXXX- I ask them to to try and Qualify me for a car under my Business EIN ( I did not give them my personal SSN ) and It still appeared on my Personal Credit File. 

XX/XX/XXXX This is the same situation as with XXXX XXXX of XXXX. 

XX/XX/XXXX XXXX XXXX - This is a legitimate Inquiry. I applied for a credit card. 

XX/XX/XXXX XXXX XXXX - This is a legitimate Inquiry. 

The below are all Inquiries that I did not authorize : XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX Lease Only XXXX XX/XX/XXXX XXXX XXXX XXXX Experian XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XX/XX/2022 - 1500 $ worth of credit was taken out at a less XXXX  in XXXX  XXXX, I live in XXXX. Ive never been to bend 1 and 2 Ive never opened a line of credit. I found all this out by filling my taxes for the first time and then saw the fraudulent credit lines on XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Verisk Analytics Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021 I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Coinbase services

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt is not been collected by collection assigned by Macy 's because they do n't have no record of {$280.00} and {$540.00} as collection stated to Federal CFPB.
Why is Macy 's still trying to collect a debt that is not owed?
I have requested a proof of my application and evidence that credit card belongs to me but Macy 's Executive XXXX XXXX have n't supplied evidence with my official written signatures.
Not even evidence to CFPA.

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 2022-07-11
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have a private loan for {$10000.00} that was given to me through my XXXX school, the University XXXX XXXX XXXX XXXX XXXX XXXX, which is serviced by Heartland ECSI. This loan was deferred throughout my residency and fellowship training, through verification forms that I submitted on time every year ( see attached forms ). During COVID, the University and ECSI were following the guidelines from the CARES act, continuing the forbearance regardless of training status because of COVID. When I spoke to the ECSI representatives during this time, they told me that I did not have to submit any training verification forms because my loans were already in forbearance. 

Unbeknownst to me, the University and ECSI decided to stop following the guidelines for federal student loans, and as of XX/XX/XXXX my loans went back into active repayment without my knowledge. I received NO communication that this was taking place, neither from the University nor ECSI. I had assumed that my loans would remain in forbearance until XX/XX/XXXX, as my other federal loans will. Unfortunately, I was charged interest for the month of XXXX, even though my fellowship training did not end until XX/XX/XXXX. In fact, I even had a final deferment form dated XX/XX/XXXX, which should have covered me through the month of XXXX ( see attached forms ). 

My plan was to pay off the loan in full once the forbearance ended and am prepared to do so today. However, it is not right that I was charged interest for a period of time when my loans should have been in forbearance. Despite multiple phone calls to ECSI explaining the situation, they refuse to remove the interest from my account. After much difficulty ( including being hung up on by an ECSI " advocate '' ), I have escalated the situation to a supervisor and am awaiting a call back regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: SLM CORPORATION
State: NJ
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:
Hello, in XXXX till XXXX I took out student loans with XXXX XXXX. During COVID XXXX XXXX sold my loans to another provider, because they did not want to deal with the headaches of " government passes on loans ''. My loan was sold to XXXX. I remodified my loan with them. Removed the co-signer. DROPPED my interest from 12.75 % to 3 %. XXXX has not removed the false inform from my report. The accounts are over 7 years old they are private loans with a company that just lost a 2 billion dollar lawsuit for stealing from there customers. This is horrible. It should be removed from my report as soon as possible. I will provide the new modified agreement. Signed and executed, which states that XXXX XXXX loan was transferred to another leader and all the changes that were mad. As a young man in there 20's.. I need someone to help I feel so small dealing either these companies. I have obtained a lawyer and will sue XXXX and XXXX XXXX for destroying my report and character as a responsible person. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: JPMORGAN CHASE & CO.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took a loan out with XXXX XXXX back in XX/XX/XXXX.for XXXX on my house. After XXXX XXXX  was found Guilty in Federal Court of selling bad mortgages. They sold my mortgage to Chase Bank. When my mortgage was sold to Chase Bank I only owed XXXX on it. Since Chase bank took on my mortgage in XXXX. I have had problems with them. I paid my mortgage picture perfect for 8 years. Then in XXXX I lost my job and experienced a setback. So I ask for a mortgage modification of the XXXX balanced that I owed. Well Chase said they would give me a modification on the amt Amt  I owed. Now Im getting ready to sell my house and they tell me I owe them XXXX. To my surprise I ask them how did my mortgage go from XXXX to XXXX! Them told me because I did the modification back in XXXX! I told them I was not told that Chase would Add Another XXXX dollars to my mortgage! That was NEVER DISCUSSED with me! Chase has Added this additional Amt to my mortgage therefore when I tried to SELL my house I Could NOT CLOSE! Because they have My mortgage Balance at XXXX. I have had 2 different buyers for my house to avoid foreclosure from CHASE BANK! And I can not close on my house because of their INCORRECT AMT on my TITLE. PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion will not let me have access to my credit report. I tried to obtain through the free annual credit report. They blocked me. I tried to get access through there website. I created a profile I will have access for one day and then try and log in the next day and they blocked me access. I have called them every other day for the last month and they will unlock my account only to lock it back the very next day. I am very frustrated with them. Its like they are keeping me from accessing my report and something needs to be done about this.

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 2021-02-18
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX accounts with Americollect inc. on XX/XX/2021 for the amount of {$85.00}. 
Account number : XXXX {$10.00} Account number : XXXX {$50.00} Account number : XXXX {$25.00} I contacted them today, XX/XX/2021 to find out when this will be removed from my credit report. I was told by both the agent and the supervisor, XXXX, that it will remain on my credit report as a derogatory account, but will be marked as paid. XXXX also claimed they report daily to the credit bureaus, yet as of today, it is still listed as unpaid. I was told I would have to fill out a paper and mail it back and they would review it, and may make a 'complimentary ' removal of it. I was told by the rep that no accounts will be removed until all the separate accounts are totally paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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:
In accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: AL
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 went to XXXX XXXX to get a vehicle and I was told that they were only going to run my credit report but after I checked my report I have several hard inquiries attached to my report that I would like to be removed please. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2019-07-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I receive an offer to increase my credit limit and called in, instead of doing online. The person took my income information and asked other questions and stated I would hear back if they had any thing. I explained the letter read it would be instant, he stated he would need my social security number to do that, I asked if this was a credit pull and declined after he told me that is the only way to get instant determination. I called back weeks later and spoke with a manager and she stated the person never submitted the information and it was a time sensitive matter and she would escalated it, to possibly reopen the file. 

XXXX XXXX from Texas office called me on XX/XX/2019 to inform me he listens to the call and the representative did everything correct. I told him that was bull XXXX, and I was going to file a complaint. 

My wife receive the same letter and went online and received instant increase. I think Chase was misleading and just collected information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: NM
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:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
I have contacted the third party entity Lexisnexis Risk Solution to provide original signed documents of oath of who can testify an alleged bankruptcy on my credit file and they have not sent any proof or documentation of any method of verification. I contacted XXXX  and filed a dispute of this alleged bankruptcy and they put me on hold and muted the phone several times. XXXX  is not cooperating. XXXX  and Lexisnexis is violating my rights under FCRA reporting inaccurate information on my credit file. Pursuant to Texas Code of fair credit reporting, XXXX  has violated my rights of not cooperating to investigate the alleged bankruptcy and also violating my rights of reporting inaccurate information to harm my personal credit. As a consumer I have the right to request that XXXX  and Lexisnexis Risk Solution Center furnish a notification of deletion of the inaccurate disputed information of the alleged bankruptcy. In an effort to resolve the disputed alleged bankruptcy, Lexisnexis Risk Solution emailed me and asked for my social security number, driver 's license and address. This third party entity is asking for my personal information to sell my data and to pretend as if they had my identity information to report on my file. I have not given Lexisnexis authorization to my identity neither to report anything on my credit file. I have the right to file civil lawsuit against XXXX  and Lexisnexis for damaging my reputation and credit as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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 : inquires not mine XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX XXXX CO Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$100.00}

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:
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.
Our records are among those that may have been impacted, according to the website.
We did NOT opt in to the XXXX XXXX credit monitoring and we do NOT consent to arbitration with Equifax regarding this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: IN
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 2023-01-08
Company: Receivables Management Corporation
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX Account has violated my rights. 15 U.S.C1681 section 602 A. States : I have the right to privacy. 15 U.S.C1681 section 602 A section 2 : It also states a comsumer reporting agency can not furnish a account without my written instructions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: FIRST NATIONAL BANK OF OMAHA
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: Account status incorrect

Complaint:
I want FIRST NATIONAL BANK OF OMAHA to remove all late payments from my credit report. 

I'm aware my non-public personal information ( such as negative information ) should not have been disclosed to any non affiliated third parties, such as debt collectors or Credit Reporting agencies without my lawful consent. 

I ask that FIRST NATIONAL BANK OF OMAHA remove all information from my credit report, I was never given the opportunity by FNBO to opt of credit reporting.

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 2017-09-09
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:
On XXXX XXXX, 2017, Equifax announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. The breach was originally discovered on XX/XX/XXXX. The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. In addition, 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, were accessed. Equifax did not disclose if PIN numbers and other sensitive information was compromised as well, nor did it explain its delay in reporting the breach ( which it discovered in XX/XX/XXXX ) to the public. It was furthermore revealed that three Equifax executives had sold their company shares before the incident was made public.

Company response to consumer: Closed with explanation