BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: IL
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 complaint is in regards to the XXXX/XXXX 2017 Equifax breach. I had just learned about the breach on X/X/2017, and evidently Equifax did not notify customers that their personal identifiable information ( SS #, name, address, birthday, etc ) had been compromised as soon as they learned about it. Such negligence could have allowed numerous hackers to commit identity fraud that could have been prevented. They are also 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. 
In addition to Equifax 's negligence, XXXX, XXXX, and XXXX should NOT be charging customers with potentially leaking information a fee to set up a Security Alert. A police report should not be necessary in situations such as a massive hack. 
Furthermore, they have a responsibility to notify EACH and EVERY individual who was a victim of this hack.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: ClearOne Advantage, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In 2020 I consolidated my debt with clear one advantage. After paying XXXX monthly I realized that they received more money than my creditors. I called to cancel and shortly after that was hit with a law suit. The lawsuit came from XXXX on behalf of XXXX XXXX. I only received the letter in my mail box and was never served and never signed for anything. This company clear one advantage too advantage of me. Im a XXXX who got overwhelmed with debt and they preyed on me. I looked up to s of information and found out according to 15 usc 16921b that it is illegal. Second, they have put the items that should have been paid back on my consumer credit file. They are taking me to court over this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sued the attorneys for Wells Fargo Bank over an account that was reopened and used by them that they wanted me to pay off as a LOC. The judge sided with Wells Fargo not because they proved I owed the loan but because she said it took me too long to sue them! The attorneys for Wells Fargo ( XXXX XXXX XXXX, XXXX in XXXX XXXX, MD ) sent me a letter stating my home would be " sold at public auction at the Courthouse Door, Judicial Center, XXXX XXXX entrance, XXXX XXXX XXXX, XXXX, MD under foreclosure proceeding instituted in the Circuit Court for XXXX County on Monday, XX/XX/XXXX at XXXX. The next day the renter in the property received a phone call from the " new owner '' stating they could not stay beyond their lease of XX/XX/XXXX. The tenants informed me they paid rent to the new owner for XX/XX/XXXX. I contacted Wells Fargo and they would not give me any information. They are aware of the 1st Mortgage in the amount of {$26000.00} due to XXXX XXXX. They have not paid XXXX and XXXX is now reporting like I still own the property even though I paid them their portion of the mortgage through XX/XX/XXXX.I am getting bills from the property after XX/XX/XXXX when I no longer owned but can not get any information in writing from the Wells Fargo attorneys . 

What can be done? Wells Fargo told me they would ruin my credit and not only foreclose but make I was not eligible to get a refinance or any other new loan. I am going to retire shortly and want to move. Wells Fargo is doing all they can to ruin because I refuse to pay a credit card that I did not have.

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 2017-09-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to the Equifax security breach, I placed a freeze on my credit report on XXXX XXXX 2017. I then realized I need to run my report, so I called back to lift the freeze, & discovered I need to pay {$5.00} to take this action. 
I reluctantly paid as, I needed to run my report, but I am extremely angered about this fee since 1st off it is due to lack of secure diligence by Equifax that I have to place the freeze to begin with! And I foresee Equifax taking advantage & making profits off many by their failure! 
1 Example : I am a XXXX XXXX XXXX who maintains licenses in several states. As part of my annual license renewal, the licensing auth. needs to run my credit report. My complaint is - It should NOT be allowed that Equifax can profit over their 'immense ' lack of security protocol issue & charge consumers {$5.00} each time the lift a freeze. Their lack of security is bad enough for an institution that is holding such delicate private information, let alone not holding them responsible to correct & protect the situation. 

I also have a client that is currently held up to enter a Purchase contract of sale, because Equifax will not lift the freeze off her account via the website or call, but she has to send delicate private info to them via regular mail to their office, ( thus putting herself more openly accessed to fraud ), for Equifax to lift her freeze. On top, through her communications with Equifax, no one is able to explain 'why ' she has to mail in her info & no one will confirm how long this process will take. 
These are MAJOR FLAWS. 
2 Credit Bureaus suffice. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I reached out to the credit bureaus about a problem on XX/XX/XXXX and they have yet to respond. my biggest issue is that the bankruptcy there roporting doesn't belong to me I even reached out to the bankruptcy court and they sent me a letter saying that they do not report so how this information is on my credit I have no idea but i would like it to be removed right away

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 2022-06-13
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I purchased a used tractor online on XXXX for {$15000.00} via wire transfer. The company I bought the tractor from was XXXX XXXX XXXX in Alabama. They had over XXXX pictures and a video listed for this ( and other tractors ). After negotiating and communicating about the tractor I agreed to purchase the tractor ( via signed contract ) and sent payment via wire transfer from my savings account. When the tractor was never delivered and I was unable to get in contact with the seller I filed a fraud claim with Wells Fargo on XX/XX/XXXX, which was the day the tractor was supposed to be delivered. On XX/XX/XXXX without any attempt to figure out what actually happened, I received a letter in the mail saying they would not reimburse me and that my claim was closed. Wells Fargo never asked any follow up information and to the best of my knowledge their only attempt at getting the money back was by asking for the wire to be recalled. When I called and asked why it was unable to be reimbursed they simply said because I authorized the transaction. I was deceived by a seller who scammed me out of {$15000.00}.

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 2017-09-13
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 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. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: VW Credit
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Volkswagen Credit never disclosed my right to dispute the debt. 

I submitted a debt dispute to Volkswagen Credit. I have been told that they do not have to provide debt validation. Another agent informed me that they will not provide the documents that I requested, but she could submit what they send for a debt validation, which is a debt validation cover letter, copy of the contract and the payment history. - I still have not received this. 

I was told that they dont respond or deal with people like me who use sovereign person language. 

I have requested a notice to rescind from Volkswagen Credit and they refuse to submit the proper documentation to me. I have asked for this 3 times. 

In writing and on a recorded line, they continue to violate my XXXX and FDCPA. They refuse to disclose my documents and the information that they are obligated to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: The Outsource Group, Inc
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: GUARANTEED RATE INC.
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I signed the statement with the mortgage company STEARNS LENDING , LLC ( Loan ID XXXX ). The settlement schedule on XX/XX/XXXX. Due to the rate surge, they cancel my settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: IL
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 want to freeze my credit with all agencies, after the Equifax leak. I am unable to get the webpages to load for any of the credit reporting agencies, and the phone numbers are also keeping me on hold for far too long. 

I do not believe I should have to pay or spend hours of my time to protect my identity when the company that was supposed to do that failed at one of their core responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Am an ID theft victim, unknown since Covid. I filed police report, filled out id theft affidavid for IRS. Lost all myt savings almost went broke bc brain XXXX and trying to get XXXX. I have not had credit and only have my car payment which i have never been late. I am XXXX american and deserve to have credit like everyone else affords. I have the governement form that I sent to TD bank to get a personal loan to recover from id theft and gave TD bank the paperwork to fill out. They did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern, My name is XXXX XXXX XXXX, social XXXX I have reviewed my TransUnion credit report and noticed a few hard inquires that I did not ask for. This is a written request for the following hard inquires to be removed. I have called TransUnion and the creditors and was given the run around about this situation. If not resolved in 30 days I will have to contact the Consumer Financial Protection Bureau once again. If you have any questions or concerns, feel free to contact me at XXXX or email at XXXX Thank you, XXXX XXXX XXXX Hard Inquires : 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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2018-06-03
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to have my final disbursement process from the Freedom Mortgage. 
I have had so many issues with this company. I have sold my home and still waiting for them to process my disbursement way before the home was sold. I have a voicemail saying it would be mailed out I have an email saying they will look into it. I spoke to someone that it was processed. I was told it would be overnight.

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 2022-06-13
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a hotel on XXXX XXXX. However, I was charged for XXXX different hotel rooms, at different hotels, on the same night. I only booked and used XXXX. The other one was never checked in. 

I disputed the incorrect charge, and Citi credited the account and resolved the dispute in my favor. 

However, after I had opened a CFPB complaint with Citi for a separate dispute for defective merchandise that both Citi and XXXX refused to reimburse, Citi reopened this hotel dispute in retaliation for my CFPB complaint, and recharged my account for the {$360.00} that they previously recognized as incorrect, resolved the dispute in my favor and credited my account, and made the credit permanent.

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 monetary relief
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Transunion - I have, for several days, attempted to establish a credit freeze on my credit reporting. I have attempted to do this 3 ways - through their website, their phone automated system, and through their customer service operator. The website is presently unavailable, the automated system directs me to the customer service operator, which always has a busy signal. Transunion does not appear to be able to respond to the need for credit freezes after the XXXX leak.

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: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
XXXX financing Goldman Sachs Apple XXXX XXXX XXXX and protection XXXX {$1900.00} Auto pay XXXX {$2000.00} Auto pay XXXX $ {$430.00} Overcharged {$520.00} GS- I manually paid {$430.00} using Apple XXXX at XXXX XXXX  on XXXX # XXXX Not truthful flat out lie # 2 Difference in amount financed and statement balance due to additional charges using XXXX  Apple Card Not true Nothing but items listed above No added charges Another lie Conversation with XXXX hang up on us Asked for names at XXXX to write letter and would not allow Asked who is President and would not answer What is option none

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Experian Information Solutions Inc.
State: PA
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 three credit report agency is reporting false things and its not me .Please removed things off my credit .My credit score is very low and I need this removed asap .These companies is putting information on my credit that's false.

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 2022-06-13
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I reached out to the credit bureaus about a problem on XX/XX/XXXX and they have yet to respond. my biggest issue is that the bankruptcy there roporting doesn't belong to me I even reached out to the bankruptcy court and they sent me a letter saying that they do not report so how this information is on my credit I have no idea but i would like it to be removed right away

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In accordance with the Fair Credit Reporting act the attached creditors have violated my rights as far as unauthorized inquiries. 

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. 

I did not perform or authorize these inquiries.

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 2017-09-13
Company: Risecredit, LLC
State: OR
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:
While applying for a home loan I noticed an errorounous note on my credit report related to XXXX XXXXXXXX. I have never had dealings with this Company and had previously never heard of them. Upon discussion with my parents they mentioned that a note was discovered on their credit report related to XXXX XXXX in the summer of 2015 and they got the Wisconsing Attorney General 's office involved to resolve. My father and I have the same name so it is possible that I have somehow gotten roped into this through that association.

Company response to consumer: Closed with explanation