BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-18
Company: Jon Barry and Associates, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a hospital stay in XXXX and setup payment arrangements for multiple bills with the medical provider. One bill was missed and went to collections but a payment plan was established with the previous creditor. In XXXX they stopped taking the payment but didn't contact me to setup the payment plan again. 

Late in XXXX I received a letter from paragon saying I owed them for XXXX from the hospital stay> I called the prior creditor who confirmed they sold the debt without notice. 

Paragon accepted one payment from me and never sent another statement. I tried to login on their self service site but it says my account number is incorrect. 

Paragon should remove the delinquent reporting and allow a payment plan to be established to suffice this debt. 

Account info I was provided : Paragon XXXX XXXX It is absolutely ridiculous to hurt someone's credit when they made every attempt to repay the debt. This company 's practices should be reviewed further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX  XX/XX/XXXX -XXXX XXXXXX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX 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 2022-01-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased my XXXX  Toyota XXXX the loan was financed by Toyota Motor Credit they have predatory lending practices. My loan was financed at 12 % for 8 years. The interest was ridiculously high. Finally I had to sell my car on XXXX XXXX for XXXX dollars but I still owed them XXXX dollars. I bought my car XX/XX/2014 for XXXX dollars ended up paying XXXX plus in interest to end up with no car and very little money to show for it. I do hope you can help me in this matter. Toyota Motor Credit should be stopped from taking advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
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 2018-11-09
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XX/XX/XXXX to XX/XX/XXXX I attended Itt forced loan signatures and untruthful information of Amount of Loans. I never received a job with this degree it was no help to me, it actually hurt me with finances long term of my success path.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: SYNCHRONY FINANCIAL
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I called PayPay on XX/XX/2018 to ask about my APR. I was told that my APR is 25 %. The last time I checked it was 19 %. I asked why PayPal had increased my APR as I am a good customer, not late with payments, not missing any payments, and was told that PayPal changed banks in XX/XX/2018 and due to this change they increased their rates. I then asked how I can get my APR lowered and was told there is NO WAY to lower this rate. I'm shocked that since I have been on time with payments, usually making extra payments and never missing a payment, that I would have my rate raised and not be able to lower it..ever! I suggest that everyone who has a line of credit with ayPal check to see what or how much their rate went up. This is robbery!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a Illinois State Lottery account and attached a XXXX credit card to purchase lottery tickets online. I did not realize that each {$5.00} lottery ticket purchase was assessed a {$20.00} Cash equivalent fee by XXXX XXXX. non of this was disclosed to me when I registered the card and subsequently made several purchases, 11 transactions in 3 months and {$220.00} in fees later. I contacted XXXX and asked to have the fees waived and discontinued using the online lottery account. XXXX responded that the fees were valid and only issued me a credit for {$40.00}. I want all the fees waived and returned to me. They said the fees were disclosed on the application when I applied for the card several years ago. I am aware that many transactions are conducted online with credit cards, and a disclosure of fees applicable appear when you check out. In this circumstance there was no such disclosure or I would not have completed the transaction knowing that the fee was going to be {$20.00} to make a {$5.00}. purchase.

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: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to set up a credit freeze with Equifax on XXXX/XXXX/XXXX. According to the document on their website, as a resident of North Carolina, if I submit a request for a freeze on their website, there should be no charge ( {$3.00} fee for phone or mail requests ). When I entered in all of the information to put the freeze in place, it would no go through until I entered in credit card information so they could charge me {$5.00}. I refuse to do this as this charge violates state law. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: SYNCHRONY FINANCIAL
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:
Syncb bank/Lowes I did not request a lowes credit card, the lowes employee said if i opened an account i would get 20 % off purchase then said it would be 10-15 % off.I told him i changed my mind and do not submitt for credit, he acknowledged me and said he it was not sent, I called lowes and they said no inqurey was sent.It now shows on my credit report,

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: 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:
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
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. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again. 

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, 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:
XXXX XXXX, XXXX Equifax had a breach in their online security which resulted in potentially sensitive personal data being released to bad actors. I have two complaints : 1. FINE PRINT. To find out if your personal data is subjected to this breach you need to opt-in to legal language which precludes you from being able to take legal action in the future. This is an obnoxious display of corporate ego and does nothing to support the common working man who could be a victim of identity theft for years to come. 

2. PLAN MOVING FORWARD. Equifax 's solution is to offer one year free of credit monitoring and then they suggest consumers pay for credit monitoring after that year? For how long? SS # s do n't change. This data will not lose value on the black market, ever. Equifax is positioning itself to PROFIT from this breach for YEARS to come through credit monitoring. This is also a revolting case of corporate ego.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Rushmore Loan Management Services bought my $ XXXX home equity loan for home remodeling. In the middle of remodeling, we detected water damage to the floors, and XXXX XXXX issued a {$25000.00} check to replace the floors. Instead of paying for bun engineered floors, Rushmore deposited the check to their escrow. Thus I had to pay my contractor for urgent demolition ( to prevent further damage ) and materials. After a fight, Rushmore paid {$16000.00} to my contractor ( now the contractor completed the floors and is paid in full ). XXXX was satisfied with floor repair and released the additional {$2400.00} depreciation check. However, Rushmore fails to release the remaining {$8700.00} to me ( I had to use my money designated to remodel the bathroom ). Thus I can not  rent or live in my condominium as the bathroom is not finished.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I AM A VICTIM OF IDENTITY THEFT. THERE ARE NUMEROUS OF FRAUDLENT ACCOUNTS APPEARING ON MY CREDIT REPORT. I'VE SENT COUNTLESS OF LETTERS TO THE CREDIT BUREAU AND I HAVEN'T RECEIVED A RESPONSE. PLEASE HAVE THEM REMOVE FRAUDLENT INFORMATION. IVE INCLUDED MY FTC REPORT AND POLICE REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have fraudulent accounts reporting on my credit report. I have contacted them letting them know I never have opened accounts with them but they are still reporting on my credit report. 

- XXXX XXXX XXXX ( XXXX ) - Opened XX/XX/2018 XX/XX/2018

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 2019-11-25
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
The investigation for hard inquiry from XXXX ( XX/XX/2018 ) has been completed by Equifax without verifying the record with XXXX XXXX. XXXX XXXX has already reported the hard inquiry dated XX/XX/2018, as a fraudulent inquiry, however, Equifax infringes Fair credit reporting act by not removing/masking the hard inquiry by executing a scam of fake investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax and XXXX websites make getting a security freeze or credit freeze impossible. Same with their versions of free-annual-credit-reports. 

XXXX works well and I succeeded in getting security freezes for myself and my wife. 

These data aggregators also mangle our data ( running names together into a single name ) making some information questionable. 

As for XXXX - its good as far as it goes, but since two of the three leading credit reporting entities prevent consumers from completing their credit report requests, this lessens their value to consumers. 

What is needed is a single website that lets consumers get free annual credit reports, and lets them manage security / credit freezes as needed by the consumer. 

We also need a single website where consumers can easily opt-in or opt-out of unwanted data sharing, marketing schemes/scams, and advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: North American Credit Services
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Correspondence was sent to NACS on  XXXX / XXXX /   2016 inquiring about a {$300.00} medical debt reported to  XXXX ,  XXXX  &  XXXX .  I requested information regarding the medical provider/facility to which I allegedly owe the debt and a detailed breakdown of the fees that I owe.   As of today, I 'm still waiting on a response.   I believe that this debt is not mine and the fact that NACS has never provided any verification of debt, further proves this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/XXXX, I have set up Auto Pay to pay my monthly mortgage payment to Lake View Loan Servicing LLC Subservicing by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, VA XXXX ; Phone : XXXX ). This month ( XX/XX/XXXX XXXX I have noticed that Lake View Loan Servicing LLC XXXX did not make any attempt to charge my checking bank account for the XXXX payment despite of sufficient funding in my account. I have tried hard to contact their toll free number waiting on the phone line for 30 minutes to one hour with no opportunity to talk to a customer service representative. I now realize that I have been assessed a late fee for the amount of {$46.00}. I have set up a one time payment to pay for the XXXX charge plus the late fee but I am baffled to find out why Lake View Loan Service LLC XXXX did not make any attempt to take out the monthly mortgage payment automatically from my bank account this month and then charged me {$46.00} for late penalty. I think there is a glitch in their system which I don't know how to find out because there is no one in their company to answer my phone.

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 2022-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never opened an account with captain one ever in my life! I have been a victim of identity theft since 2015. Dispute whatever capital one believes Ive never opened and account with them and I will fight this until my last breathe! This account was opened fraudulently!! I have several police reports stating that my identity was stolen by who I believe is a family member. I am not responsible for this account whatever so ever I have filed multiple disputes and now I will be hiring a lawyer to further assist me with this issue Im having with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: KeyBridge Medical Revenue Management
State: VA
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:
XXXX accordance with the Fair Credit Reporting XXXX  Account # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX Key Bridge XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C.1681 section 602 A.States that 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 with out my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) States any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) 15 U.S.C. 1692C Without the prior consent of a consumer giving directly to the debt collector or express of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation