BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
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:
In accordance with the Fair Credit Reporting Act, XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
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:
I heard that Equifax may have had an information leak and started doing some research on it today, XX/XX/2017. I know now that over 143 million users of this credit report company had their information stolen ( including names, addresses, birth dates, social security numbers and even driver 's license numbers! ) and that the hacking to get the information began all the way back in XX/XX/2017. After checking with the Equifax newly-setup website ( https : //www.equifaxsecurity2017.com/XXXX ) I have now found out that both my wife and I may be affected in this situation. 

I am flabbergasted that a company that is valued at ~ XXXX XXXX could n't put some amount of money into making sure the information they kept was secured and safe. I am in shock that peoples ' PERMANENT information ( including social security numbers!! ) were leaked into the public internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have confirmed I am part of the Equifax breach. I called the number they show as contact to find out more information on the breach. I was not given any information at all other than someone reading the exact wording that is already on the website. They can not tell me specific information about what information was breached form just myself. If it was credit card, or banking accounts, if it was drivers license or any specific information. If my bank acct number was breached, I need to know so I can open up an new account. If my credit cards were breached, I need to know so I can open up new accounts. And the same for any other information. This will cost me and businesses thousands of dollars to make these changes. But Equifax will not tell me. Just states they apologize for the inconvenience. Then I would have to PAY to freeze my accounts. Equifax should PAY to freeze all XXXX credit bureau accounts for me. I find it fascinating that they are allowed to do this. And that they are allowed to post on their website to call a number for more info only to be told the exact wording on the website and then " refer to the website for more info ''. So it is just a circle on non information. This needs to be corrected so we can KNOW SPECIFICS of what information was breached for each individual and Equifax should pay for the remidiation to correct such as free credit freezes and unfreezes for life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My phone was stolen morning of XX/XX/2022 and the thief downloaded an XXXX XXXX in my name. I have already filed a complaint with XXXX XXXX specialists that the card opened was fraudulent and that the charges incurred ( ~ {$4000.00} ) were also fraudulent. The thief also made fraudulent trades on my XXXX account, but nothing was withdrawn.

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 2022-01-14
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/XXXX I paid an settlement offer to XXXX ; this offer was given to me as an option to stop collection and reporting would be closed and ONLY be reported as paid settlement. 

In the month of XXXX I noticed the account stated that the account was closed on the month of XXXX and XXXX was reporting as XXXX XXXX. ( Attached ) I filed a dispute to correct this issue and within 30 days these months where updated. However, the updates where changed to on time for XXXX, closed for XXXX. 

Only days later I notice a XXXX point drop on my Experian credit report. XXXX XXXX reported XXXX for the month of XXXX so I again had to dispute this issue. This dispute was updated on XX/XX/XXXX. However, the same issue has taken place. XXXX of XXXX is showing a negative reporting. 

As of today XX/XX/XXXX ( image attached ) this issue is still ongoing. I have reached out to Experian just as I have each time this has happened to file a dispute. However the representative informed me that each time i complete a dispute it refreshes the paid debt and that I should reach out to the creditor. I informed the agent that I had tried to contact them through the email that they would previous send account information to me from. In response I was informed that account information could not be discussed through email and a number was provided. 

XX/XX/XXXX I called the number ( recorded conversation ) In speaking with the customer service agent and then a supervisor. I was informed that their credit reporting department does not speak to customers and nor does their legal department. They also told me to keep disputing it. I explained that this situation is causing a rollercoaster affect with my credit score and it needed to be resolved. The supervisor explained that all she could do is send an email asking for them to update the reporting and informed me to dispute it again. Im truly lost on what to do. Its clear that this is being done on purpose. The supervisor first told me she saw the dispute results and called out each day 1 disputed the account activity and then later in the conversation said she could not see everything.

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 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-01-15
Company: DISCOVER BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
On my credit report it states inquiry from discover bank national credit card service. That I never did an inquiry for I dont have a discover card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been communicating with LoanCare regarding loss mitigation options for the foreclosure on my property now scheduled for XX/XX/XXXX ( tomorrow ). On XX/XX/XXXX I was informed all my documents have been received, that my application was now with underwriting and pending a final decision. When calling XXXX on Tuesday, XX/XX/XXXX, I was advised that my application is still under review with underwriting pending a final decision and that the sale date for tomorrow, XX/XX/XXXX is still active! XXXX   continues to leave me in suspense and continues to violate HBOR laws and proceed with the foreclosure despite the fact I am in a current pending loan modification review. I feel no matter what I do there is always something they are trying to sneak past me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: Ocwen Financial Corporation
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We had asked for a Loan Modification with PHH MORTGAGE XXXX  and I sent in everything for it on XX/XX/XXXX and just spoke to a representative on Wednesday the XXXX and they are still charging late payments and also sending it to the credit bureaus when we were under a forbearance plan due to XXXX! My wife is recently diagnosed with XXXX  XXXX and XXXX and XXXX due to her having XXXX  last year! PHH MORTGAGE ALSO REFUSED TO PUT US ON ANOTHER FORBEARANCE EXTENSION. We had only been on a forbearance since XXXX since we made our mortgage payment for XXXX. They have had multiple lawsuits against them due to this same problem! And I have sent multiple emails to the company and they have yet responded back when we asked the first time about the forbearance extension.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: EQUIFAX, INC.
State: MO
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
To Whom It May Concern : This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I have not lived at theses following addresses and they need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX 4XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX   XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2021-12-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
on XXXX XXXX 2021 I submitted a dispute with EXPERIAN about 2 late payments that is inaccurately reporting to my Experian credit file. These 2 allege late payments are only reporting on Experian and no other credit reporting agencies. on XXXX XXXX 2021 I received a response from Experian communicating that the disputed item was " UPDATED '' but was given no proof as to how EXPERIAN investigated this matter and came up with the conclusion of " UPDATED ''. I am exercising my rights under the FCRA 611 ( a ) ( 6 ) ( B ( iii ) requesting a METHOD OF VERIFICATION and I expect to receive within ( 15 ) of receipt of this letter.

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 2022-06-15
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting Act, Experian, XXXX, and XXXX has violated my rights. 

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

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

XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX  XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of 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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting Act, XXXX, XXXX, and TransUnion has violated my rights. 

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

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

XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX XXXXXXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX  in the amount of 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 2019-07-29
Company: Experian Information Solutions Inc.
State: NY
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've written the credit Bureau to have my bankruptcy removed

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 2018-06-03
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 is missing that should be on the report

Complaint:
I have a XXXX XXXX credit card that is not showing on my credit report. This is effecting my credit score negatively. I have spoken to XXXX, Transunion, XXXX, and XXXX XXXX via their customer service teams but they will not help.

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 2020-11-19
Company: CBC Companies, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Im writing to file a former complaint against Factual Data They showing up on my credit report as they pulled my credit file when I dispute it the first time they send me a letter that my verbal authorization was given to a company that I have never heard of before and that I have never requested to pull a copy of my credit. I called and spoke with a supervisor at factual Data they told me they were not the one who handle it to try calling another number. If factual data does not handle such account why is it in my credit report as factual data. This to me sounds like fraud and Im requesting the inquiry be deleted right away from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase closed one of two credit cards that I got issued from it without a proper notice. Chase sent me the first notice by 'mail ' only threatening me that my account will be closed without a proper explanation. I called the customer support, the representative could not figure out exactly what happened and she promised that this won't happen again. After a month while I traveling abroad, Chase sent the second 'mail ' stating that they closed my account due to a payment being made with a refunded credit. I use the affected credit card exclusively for XXXX purchases and have only made few purchases over the last few months. I returned few defective items and got refunds. Chase is claiming that I did not make any payment due to refunds being credited earlier than when Chase could charge my bank for payment. I understand what happened systematically, but Chase 's claim simply does not make sense for the closure of the account. If they wanted me to make payments for my purchases, I would have done so, but they never asked me to do so before the closure of the account. They never explained with the first mail nor the first communication that I had with the customer support. I am dismayed by such an abrupt, inconsiderate and one-sided customer treatment by Chase and it must be condemned. I also have a concern that this closure would affect my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: Alliance Group & Associates LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company keeps calling me and whoever answers she gave them birthdate address and social security number. Regardless of who is on the phone. This information should be protected. I have asked them if I have a contract with them and they refuse to answer saying she will take legal action against me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have made several attempts to have Transunion validate an account theyre reporting on my credit file from XXXX XXXX. After several failed attempts in requesting that they validate and provide copies of any documentation associated with this account, bearing my signature. I have been keeping careful records of all actions that Transunion has taken my originals letters have made it very clear that I do not consent to XXXX  or any other means of automated verification. Several letters requesting this information was delivered and received by Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as of today XX/XX/XXXX they have failed to comply with the Fair Credit Reporting act and to my request this is my final attempt at resolving this issue before proceeding with filing a lawsuit and having a judge order Transunion to provide this information in the court of law. 

Along with this, you will find a copy of all the letters I've mentioned above I also have proof of where a Transunion employee signed and received these documents.

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 2019-11-23
Company: BARCLAYS BANK DELAWARE
State: MN
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:
On XX/XX/XXXX, I bought a computer under deferred interest, that will expire on XXXX XXXX, XXXX. 
On XXXX. XXXX, XXXX, I called customer service to pay off that computer under deferred interest before the due date as I don't want to end up paying for the interest charge. 
When I talked to the service representative, I specifically said that I want to pay off my balance for the computer, he said okay, he took my payment information, and after it was processed, he said he got it taken care of. At the end of our conversation, I asked, " so I don't owe anything for my computer right? '' He said, yes you don't owe anything on your computer anymore. 
Today, ( XX/XX/XXXX ) I found out that I got charged an interest for that computer that all along I thought I paid off in XXXX. XXXX. When I talked to the service representative, she explained to me that the money I paid that time was allocated to the other purchases I had which accruing interest, and not for my computer! 
As she explained to me, I learned that I can not use my card after using it for buying a product on deferred interest. 
My point is, I know that I should've read the policy about deferred interest, but that customer service rep that I called to pay off my balance for the computer NEVER TOLD ME THAT THEY ARE GOING TO ALLOCATE MY PAYMENT FOR THE OTHER PURCHASES I HAD, AND NOT FOR THE COMPUTER! 
So, all along I was thinking that I paid off my computer and I don't have to worry about it, until today when I saw that interest charge on my account. 
They should train their employees to explain clearly to the consumer what is going on so we avoid such things that is so frustrating!

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