BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
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: Investigation took more than 30 days

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX - XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Cadence Bank
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am an American Citizen residing in The XXXX XXXX. My Father, XXXX XXXX XXXX had an account with BancorpSouth Bank XXXX XXXX XXXX XXXX, XXXX XXXX Texas. My father passed away on XXXX XXXX XXXXPrior to my Father 's passing, my XXXX XXXX XXXX had power of attorney for his finances. 

My brother has my fathers will. I have had to pay a lawyer {$3000.00} just to make my brother take the will to the courthouse. 

On XXXX XX/XX/2019, my brother has distributed my Father 's bank account as per the will. 
I do not know if this has been distributed correctly as my brother will not show me what was in the bank account at the start. 

I do not know how he has managed to distribute and take some of my Fathers money from his bank account and close it when he has not been appointed as the executor. ( no-one is the executor as of yet by law ) My brother only had power of attorney whilst my Father was alive. 

I called the bank and they will not tell me anything as my name is not on the account. 
My brother 's name is also not on the account, he just had power of attorney up until his death. 

I was coming to America prior to the Corona virus outbreak. Now I am stuck in the XXXX XXXX not able to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WI
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 poor security resulted in the release of my birthday, address, and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my car loan on XX/XX/2018 and am in the process of buying a house. I am set to close on my house today XX/XX/XXXX and tried calling the bank last week to get a letter showing that my loan was paid in full. The customer service rep told me that it could take XXXX days and they could only fax. I was OK with that because i still had a week to close. One day before closing i still did not receive the letter and i called at least 15 times to get this letter because i had to close on the house the next day. They told me i would have it before XXXX. At XXXX i decided to call because i still did not have the letter. I waited and waited and was told that i would have it by XXXX. I told them i would wait on hold until the fax was received. They let me hold. At XXXX they came back on and told me the department was closed. I was now out of luck and could not close and had to pay a penalty to the seller for not closing on time.

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 2018-12-19
Company: FAIR COLLECTIONS & OUTSOURCING, 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: Their investigation did not fix an error on your report

Complaint:
XXXX has been non-compliant with removing the unverified account FAIR COLLECTIONS & OUTSOURCING Date opened XX/XX/2013 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FAIR COLLECTIONS & OUTSOURCING was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate those inquiries in question or delete. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/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 2021-08-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Someone wrote me a check from USAA Federal Savings account. I deposited the check with my band and it has been on hold for 5 days. I just called USAA to confirm that the check has sufficient funds and they were extremely rude and intentionally hung up on me. Every financial institution allows people to confirm sufficient funds on check, when I called USAA this was news to them and disconnected my call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
My information was reported to be part of Equifax hack, where my personal credit profile and information was disclosed and shared improperly, without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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: Their investigation did not fix an error on your report

Complaint:
The Credit Bureaus never fail to disappoint me when it come to doing their best at nothing. I have been sending numerous letters and complaints to the Credit Bureaus urging them to properly investigate the accounts in which I belived reporting erroneous information and doing harm on my Credit File. Despite all my efforts, the Credit Bureaus grew negligent and never even bothered to do an investgation on my Credit File. The FCRA gave the Credit Bureaus ample amount of time to do a proper verification and correct the accounts and yet they have failed to respond to my letters. The 3 credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I need the Following acounts verified and corrected immediately : XXXX. XXXX XXXX XXXX {$1100.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Balance {$180.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX Balance - Date opened XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CO
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 secure their data properly even though the technology to secure mentioned data is reasonably affordable and readily available. Now mentioned data has been breached by criminals. My personal information was part of mentioned data and is now in hands of criminals and will become public. I know this because I confirmed with Equifax today, X/X/17. I should also note that Equifax offered a service to protect against identity fraud, but in exchange they wanted to mitigate my ability to sue them for damages. Also, the service they offered was only free for one year- after which they would make a profit off of me by charging for me to extend the mentioned service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: GA
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Netspend Corporation
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Netspend I had a number of authorized on my account so I file disputed charge on my account the first one was XXXX to XXXX XXXX in XX/XX/2018 here is my claim XXXX my reference number XXXX on XX/XX/2018! My account was XXXX by XXXX It also was unauthorized so I file disputed charge here is my claim number XXXX reference numberXXXX then I had another unauthorized on XX/XX/2018 XXXX by XXXX XXXX Here is my claim number XXXX and reference numberXXXX. Then Netspend block my account and turn my debit. Netspend didnt do anything when I first reported the first unauthorized charge to XXXX XXXX also was they didnt use my debit card they use my account number because my phone was hacked. So I ask them to freeze my account and give me a new account since was my account number was used. They didnt want to listen to me and didnt anything. They do anything until my account was hit with 2 additional charges for XXXX XXXX. Then Netspend set me up new account and new debit. They also transferred the money I had left in my old account for a XXXX dollar charge. Everything was going okay until XX/XX/2018 I tried to used my debit card and the charges wouldnt go through so I called Netspend to see why my debit card wouldnt working Netspend said that disputes department close my account Because I was a high risk. They also I would receive my balance in a check and I am still waiting for it. I also can not understand how I am a high risk I had be a customer for 4 years This my account numberXXXX for my old account I really need help I am on fixed and I dont have any money. Also here is new account numberXXXX I think that everything you can see I am in real mess. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: 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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 start date I received a phone call from a " Supposed US Bank Employee '' with a spoofed customer service US Bank  Phone number. Which was XXXX about a XXXX withdraw of {$3500.00} and he stated there was " fraud '' on my account. When I logged onto online banking he was able to sign me up for XXXX, which is a money transfer service used by many banks including US Bank. He then proceeded to withdraw {$1900.00} from my account, and then he proceeded to do 2 more withdraws of {$400.00} increments. Then the perpetrator locked me out of my online banking access at that point. Immediately US Bank from XXXX XXXX, MO called me and asked if I made those withdraws and I stated " No I did not '' they told me on the phone there was nothing they could do because was a XXXX transaction. The lady from the US Bank XXXX XXXX knew there was an ongoing scam with the US Bank Customer Service Phone number being " spoofed '' by scammers and were aware of this scam. The US Bank website did not mention the scam or the spoofing of the customer service phone number. I opened a new account because of the fraud, and also US Bank opened an investigation of the fraud and after 10 business days they determined that I posted the requested transactions. I received 3 letters in the mail today and basically they have now denied my claim and are NOT going to do any other course of action regarding the fraudulent transactions. So the scammer made off with {$2300.00} of my money that the bank will not reimburse me back for. That is why I'm filing this junction at this point to see my options are now. Thank You 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 2022-08-25
Company: EQUIFAX, INC.
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:
Equifax is billing me every month for their services but its been a while since I have no more access on my account. I go on the site to recover it and it says that I dont have an account ( not what my bank account says but ok ) I try to make a new account and it says that I already have one.. Never got an answer from someone on the phone. They just take my money for years and I have no service. Straight up robbery. The second I can get out of there I will and never come back. It supposed to be a place where you can monitor your activity, but you cant and they take your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Commonwealth Financial Systems, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I want them to send me all documents with my Actual signature on it and to REMOVE FROM MY CREDIT! DO NOT RESEND THE SAME DOCUMENT!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The message said Chase Fraud : Did you use your card **** at XXXX on XX/XX/24. Reply yes or no standard messaging rates may apply. 

This was a text message from a number XXXX. It was not a phone number. What was bothersome was they actually put the last XXXX of my credit card in the text, and they knew that those XXXX numbers belonged to my card at that bank. But thats what made me think it could have been legit. I almost clicked NO, I didnt use it there. But before I did that I asked my son, he suggested checking my bank acct to see if there was a charge to XXXX. But since there wasnt, I saw no reason to answer that text. Plus my first gut reaction was possible something fishy was going on. I would think my bank would contact me another way regarding fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I 'm complaining because Equifax have failed to comply with, furthermore blatantly disregarded, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing. I sent them a dispute letter requesting that they verify all data for the disputed account and nearly 40 days later I have yet to receive anything of the sort. Because it is well past the time permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. 
I ask that you resolve this matter with urgency as my character is being adversely affected and may be hindering me from securing employment because of their wilful non-compliance with the FCRA. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I believe I may be involved in the Equifax security breach on XXXX XXXX. I will set up a fraud alert to be placed on my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MI
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, 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. 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 who dumped stock immediately prior to the data breach announcement.
They should begin to rectify this heinous breach by making credit freezing free and refunding everyone who paid for it following this data breach. 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, regardless of their " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: KS
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:
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 2017-09-08
Company: EQUIFAX, INC.
State: MI
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 provided lax security and allowed all of my personal information to be put on the black market.

Company response to consumer: Closed with explanation