BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXXXXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX  Account # : XXXX - US DEPT ED Account # XXXX - XXXX  XXXX Account # : XXXX XXXX XXXX  Account # 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 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 2022-01-16
Company: Fidelity National Information Services, Inc. (FNIS)
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: Personal information incorrect

Complaint:
XXXX put an incorrect address in my XXXX report. My address is XXXX XXXX XXXX XXXX NY XXXX. XXXX put an additional entry that says XXXX XXXX XXXX XXXX XXXX NY. This is an error that a rep put in. The address in XXXX XXXX does not exist. XXXX won't correct and I asked XXXX to put a notation in my file which they did not do. XXXX claims they verified the XXXX XXXX address. I never submitted or showed a document that I lived at XXXX XXXX XXXX XXXX XXXX. Since no document exists XXXX ins in violation of the Patriot Act and I would like to file a complaint.

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 2017-09-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX XXXX, 2017, I became aware that Equifax had suffered a serious data breach some 6-8 weeks prior. I was not notified directly by Equifax, but rather became aware of the situation due to a news story on XXXX. The story referred me to a 3rd party website that was set up by Equifax, equifaxsecurity2017.com, where I could check whether or not I was affected. I did so, and did not receive a clear yes or no answer, but was instead instructed to return after XXXX to enroll in free ID protection from the service which they own. 

I now have to place a 90-day fraud alert on my credit file. I 'm currently trying to buy my first home, and am gravely concerned that Equifax 's incredible negligence will impact my ability to complete the loan process in a timely manner, and may impede my ability to even get a loan, should my stolen information be used nefariously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I have a Paypal account. PayPal frequently emails me invitations to apply for their PayPal MasterCard credit card. In each of these emails there is a link to unsubscribe from these types of offers ( what they call News and Promotions ). The unsubscribe link is broken and leads to a page saying nothing was found at that location. To stop receiving these credit card offer emails I have logged into my PayPal account - the settings are already set up to refuse these offers. I have sent them a message through their portal asking them to please stop sending me credit card offers. Most recently I called Paypal customer service to ask to stop receiving these. Each and every time they assure me they will stop sending the offers, and then proceed to email me again prompting me to open up a credit card. This is a nuisance and a contradiction of what they have communicated. Can you please assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions 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 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 604A section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2017-09-11
Company: MORTGAGE 1 INCORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied and received a conventional loan from Mortgage 1 Incorporated dba XXXX XXXX XXXX XXXX in late 2015 for a Manufactured Home. This was a conventional loan and at the time was pleased with my experience. I am now in the process of selling this home and had made the decision to purchase a new home with the intent to sell the manufactured home. 

The issue I am now faced with is that according to HUD regulations I should not have received conventional lending for this home in 2015 due to the manufactured home having been moved to a secondary location. We were in the closing process with a buyer when their lender and title company brought this to our attention. I have talked to at least a dozen lending institutions, some of which specialize in Manufactured Home loans, and they all have said that I should not have been able to receive a conventional loan on this manufactured home. Due to this coming up during the week we were to close with the buyer they have decided to pull out of the offer. This is forcing us to put the manufactured home back on the market at a discount in the hopes of finding a cash only offer or someone who can qualify for a higher rate personal style loan for the home. If I am able to sell it at this discounted price I will have lost {$20000.00} between the first buyer and any potential buyer. 

Additionally, had I known we would have had re-sale issues we would not have made the decision to purchase a new home at this time or possibly never purchasing this Manufactured home in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX I called Goodyear to complain about a {$10.00} FEE when I withdrew just {$20.00} from my XXXX XXXX XXXX ATM, on XXXX XXXX, XXXX. Goodyear employee told me that they were just following the law and the fee was valid. I believe it is usurious to charge 50 % fee for a small cash transaction of {$20.00}, Goodyear would not budge on eliminating the fee. My credit is XXXX with Goodyear having paid off purchase of XXXX tires.

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 2017-09-11
Company: EQUIFAX, INC.
State: KS
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 2017-09-11
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 fraud alerts or security freezes

Complaint:
In light of the XXXX breach, I am trying to place a freeze on all credit reports. 
Experian is making this impossible. 
I have tried to access the website/link to do this on their website, but they took the link down. I also tried to call the company, but they are saying there is excessive wait times and I can not reach a person. 
Instead of allowing me to place a freeze on my credit report, they are offering me paid " alert '' services at prices of $ XXXX {$20.00} per month. 
They are trying to take advantage of the situation, and are doing something illegal by not allowing me to place a freeze 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 explanation
Consumer complaint received 2017-08-21
Company: JPMORGAN CHASE & CO.
State: NJ
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:
Chase is Charging me interest of {$25.00} AFTER card was paid in full prior to the due date. This is a total scam and it needs to be credited!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: LA
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:
There are 6 late payments being reported by DEPT OF EDUCATION/XXXX ( 1 late payment for 6 different loans ). That information is false. My student loans should have been deferred due to a natural disaster in XXXX that I was affected by. I had spoken with a representative with XXXX & they advised since I was displaced from my home, payments would be deferred for 12 months. 

I have a late payment reporting for DEPT OF EDUCATIONXXXX, Acct XXXX, Balance on XX/XX/2022 is {$2900.00}, Original loan amount is {$2000.00} DEPT OF EDUCATION/XXXX XXXX Acct XXXX, Balance on XX/XX/2022 is {$4100.00}, Original loan amount {$3800.00} DEPT OF EDUCATION/XXXX  Acct XXXX XXXX Balance on XX/XX/2022 is {$3200.00}, Original loan amount is {$2600.00} DEPT OF EDUCATION/XXXX Acct XXXX XXXX XXXX XXXX XX/XX/2022 is {$7900.00}, Original loan amount is {$6500.00} DEPT OF EDUCATION/XXXX Acct XXXX, Balance on XX/XX/2022 is {$8700.00}, Original loan amount is {$7500.00} DEPT OF EDUCATIONXXXX, Acct XXXX, Balance on XX/XX/2022 {$3600.00}, Original loan amount is {$3500.00} In accordance with the Fair Credit Reporting act these accounts have 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 explanation
Consumer complaint received 2017-06-02
Company: Check Security Associates, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
First of they call back to back numerous times. Finally I said let 's break of in payment and send it for me to go over and sign. Then I emailed and said dates are not right. They can call but they wo n't talk threw email or letter and with me I like things in writing. So they called back to back again 2 days straight so today I finally answered but when they started talking I had to hang up because my boss walked in. So they called numerous time after that then called a relative telling them all my information and that to me is unprofessional. My relative called me upset asking why they telling her all my business. I 'm so upset right now because this is unprofessional

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Equifax was hacked and the confideitial data that it stored was stolen. How can a company like this allow such a thing to happen? They should be put out of business. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: CARD Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My card was stolen and numerous transactions were placed on my account where money in the amount over {$5000.00} was transferred to someone else. I file a dispute on XX/XX/XXXX once aware of the loss and was instructed to file dispute form and submit within 10 business days for provisional credit. On the XXXX business day I called card.com and was told I had to wait until XX/XX/XXXX for a provisional credit. On this day XX/XX/XXXX I called to see again why I had not received credit and was told my dispute was denied on XX/XX/XXXX as no error occurred but clearly a thorough investigation was not done because I did not make said transactions. When contacting where transfer were sent to I was unable to get any information because the account did not belong to me where the money was sent. I am devastated and would like help seeking my money that was stolen from me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-16
Company: Square 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:
On XX/XX/XXXX Square Capital LLC conducted a hard inquiry against my credit history via XXXX. I have no business, nor ever had business, with Square Capital LLC and immediately notified Square Capital LLC on XX/XX/XXXX requesting details regarding their hard inquiry. They would not provide any details regarding the inquiry. I opened a case with them for details on the query against my credit history and indicated it could be fraud. Despite XXXX ( XXXX ) follow-up emails and phone calls to Square Capital LLC no onXXXX will provide me any details nor will they remove the hard inquiry from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I use MoneyGram send {$140.00} to XXXX, inXX/XX/2019.But received didnt receive the money, I connected them. But No help. My Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to my recent credit report I have an account in the amount {$1000.00} from XX/XX/2015 placed in collections I was not aware of. I have tried to work out the problem with the company informing them I was not a member of their company and belong to their competitor. Also, I had not receive any information regarding the problem in a timely manner to activate a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: MA
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:
XXXX used a bait and switch tactic to trick me into paperless billing in order to save costs on paper and postage. There should not be a popup that asks the question in deceptive way. I never remember opting out of paper billing. THe end result is that I did not pay my minimum for two months. When I found out through a telephone call, I immediatley paid the amount due and the late fees assessed. I asked that my credit report be corrected as I have never missed a payment or defaulted on an amount owed in my XXXX  years. I also explained that I needed paper billing due to a memory condition that I could validate with a letter from my XXXX. They still refused to remove the late payment, which is destroying my credit rating and has caused me to pay a higher rate on a recent mortgage that I applied for. The paperless billing pop ups are deceptive and misleading and are worded in a pay that infers the saving of natural resources. They do not pose the question obviously as a yes or no.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
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:
I 'm here to complain about Equifax 's handling of the credit reporting data in the recent breach. 

Beyond just complaining about my private data being compromised, it 's my understanding that my details were compromised over 45 days ago and the hack is only now being made public and addressed. 

Furthermore, I feel doubly violated - suspicious activity in the stock market indicates that Equifax executives attempted to trade on insider knowledge. I own shares of funds that invest in Equifax. I feel I was defrauded ( as part of my mutual fund ) into paying an unfair price for shares of a company that executives knew was about to plummet, and illegally dumped at my own personal expense. 

I have spent my entire adult life trying to improve this company 's assessment of my ability to handle my fiscal responsibilities. This breach comes immediately after 12 years of my personal journey in repairing my own credit, since I was XXXX years old, and upon paying my debts, earning a XXXX credit score, and beginning my journey as a XXXX investor, my first paycheck large enough to begin investing in my future -- they subsequently robbed me of it.

Company response to consumer: Closed with explanation