BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: NY
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 us sm bus admin Oda, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: WI
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:
Im having serious difficulties with the 3 major credit bureaus, I sent out a letter disputing some inaccurate information on my credit report on XX/XX/XXXX. 40 DAYS GO BY AND NOT A SINGLE LETTER OR RESPONSE EVEN THOUGH I SENT CERTIFIED CAME FROM EXPERIAN OR XXXX. XXXX decided to send me a letter asking if i was working with a " credit clinic '' WHICH IS ABSURD... 

So on XX/XX/XXXX I sent them another letter, and they still are not getting the picture that i am furious with how they are reporting on my credit report and damaging my name. They are not above the law and they need to sharpen up on thier FCRA LAWS AND DELETE THESE ERRONEOUS ITEMS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MA
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 has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I and others are compensated for their negligence and that something like this does not occur again.

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

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. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: AZ
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: Billing dispute for services

Complaint:
I had a conversation with a friend who said he went through XXXX XXXXXXXX on a secure credit line and built his credit that I should try. Ive never had a credit card I dont like them but he said hed set it up and pay the amount it said like $ XXXX {$250.00} cant remember. 
So after a few months I said hey I never received it did they send it? Or what? Friend was shocked said I should of got it so I called and told them I never received. They said that someone had already used it and didnt make the payment. 
I explained I never got it asked address sent it wasnt my address and they said I had to pay it regardless even tho I paid the secure amount my own money they are charging me for and ruined my credit with hard hit on a card I never received. So Im out my own money and they never resolved this. 
So again I dispute the inquiry and they just keep saying disagree this is ridiculous reason why Im against credit cards to begin with. Can you help 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 non-monetary relief
Consumer complaint received 2019-11-25
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX, XXXX I contacted the payoff dept of Lakeview Loan Servicing , LLC . They provided me with the payoff amount for our loan and stated the full escrow payment, including my insurance pay out would be dispersed within 21 days. They received the full payoff of our loan on Friday, XX/XX/2019. 
XX/XX/2019 - I received my escrow check for the {$2700.00} but not my insurance amt of {$100000.00}. I waited since I thought this might take additional time, and my family was dealing with a death in our family so it wasn't a top priority for me at the time. 
XX/XX/XXXX, XXXX I called Lakeview Loan Servicing , LLC . and spoke with several customer service reps to get an update on my additional insurance funds of {$100000.00}. After 1.5 hrs on the phone ( mostly on hold ) no one could tell me the status of these funds, if they were released, pending release or when I could expect my check. 
They stated they would submit a request to have a supervisor contact within 24-48 hrs. This is the 2nd major issue we've had with XXXX XXXX within 6 months. This company is way over due for an  audit to determine what steps should be taken to monitor their lack of business ethics to protect other consumers. 

Sincerely, 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 2017-09-09
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Today X/X/2017 i cashed out from the XXXX XXXX app XXXX dollars. It should have been sent to my pnc bank account. It was never received and they XXXX XXXX app is charging my paycheck. I emailed XXXX XXXX customer service, there response was to contact you about my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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: 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. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

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

Complaint:
I was part of the accounts impacted by the Equifax Security Breach that was announced the week of X/X/17. As a result of this, I had to put a fraud alert on my account, check my credit report ( which i only get 1 free copy of this year ) and had to take other active measures ( possibly even pay for credit monitoring ) as a result of the security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
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 2021-01-19
Company: Shellpoint Partners, LLC
State: DE
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
New Rez LLC in Pennsylvania acquired a mortgage from XXXX. Mortgage is in good standing with no break in payment history. In XXXX 2020, I called New Rez to refinance mortgage at a lower interest rate. Property was appraised in XX/XX/ 2020, found in good conditions and appraised at nearly double the amount owed. I made multiples phone calls and sent emails to ascertain the status of my application and to get a closing date. As of today, the New Rez staff hasnt given me an estimated closing date. In fact, I believe this company has purposely prolonged this refinance process to keep charging me a higher interest rate. Additionally, this company lacks an understanding of the NJ laws that allow a married woman to own and maintain an investment property on her own right.

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

Complaint:
Dates : During months of Mid-XX/XX/XXXX - XX/XX/XXXX Company : Equifax Inc.
Summary : " Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some U.K. and Canadian residents were also affected. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. '' Due to this incident, I believe that my personal information such as SSN, Addresses, Credit Card numbers may have been published on the internet. This places my identity at high risk of theft and makes me a prime target. I would not be placed in such situation if it was not for the lack of security at Equifax Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, I applied and was approved an AMEX XXXX card with a promotional sign-on bonus. This bonus was to spend {$3000.00} USD in the first 3 months for XXXX XXXX points and to spend an addition {$2000.00} USD within the first 6 months for another XXXX XXXX points. The second bonus is not being honored by AMEX even though I made the required purchasing amount within the time-frame. AMEX claims it is " not attached to my account. '' The card was approved on XX/XX/XXXX. This special promotion ended on XX/XX/XXXX. I 'm attaching screenshots of this information. I 've contested this issue with AMEX and they have denied it saying it 's not attached to my account. This is a technical issue, as I had to open multiple challenges with AMEX to even get the first XXXX bonus, which after 6 months of calling them and opening challenges, has finally been posted to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18
Company: Bay Area Receivables, Inc
State: DE
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, Account # XXXX, in the amount of {$2400.00} and account # XXXX, in the amount of 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
During the beginning of the month of XX/XX/2022 I went XXXX XXXX and was told I can not open an account due previous account. I need to pay almost XXXX dollars. I ask documentation, something visual explaining debt, date time fame and void check. I went to XXXX XXXX XXXXXXXX was told the same things. However they open an account for me but told me it will close in a week if I dont sign up for mobile banking. I went to XXXX XXXX and was told I cash a check in cash check for XXXX for checking and XXXX for the saving, and in order to pay it off I will have to pay with the manger whos is someone I speak to every time I come in bank. I also spoke with XXXX XXXX bank tried to open up account. From my understanding, I close my account due to my social security card got stolen from the job. Along with me losing my debit card. The reason they said I couldnt open acct there is because I need to have a credit score of XXXX when my credit score is XXXX XXXX points away N was advise to contact the check system. I am shock of hearing this especially since I had an account with Bank of West and process a claim then waiting on claim results my account got close. I went XXXX different bank spoke with XXXX and the manger on XXXX and call customer service representative and more. The bal is XXXX which are bank fees. I ask can I reopen another account but having trouble, however they want my money through. This bank is the bank my stimulus Check and refund goes too as well I found it strange how all of sudden when Covid-19 come now I cant open any account. Every bank manger I know them from past or went to school with. Along o feel like they are u to something can you help please. I work to hard. To deserve this. I use to before the pandemic had two to three accounts at once.

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 2022-06-18
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, XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states 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 explanation
Consumer complaint received 2017-09-09
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: Account status incorrect

Complaint:
I went on XXXX XXXX last night and my data has been breached, when I try to apply I get kicked off of the site. I have called three times, I am left on hold for over an hour. Site mentions that I can call XXXX from XXXX, when I try to sign up, I get kicked off. I am concerned with my data being breached being I have already been a victim of ID theft four times, it has effected my credit file and score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: 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:
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. This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

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

Complaint:
Company was negligent with customer data, with the result of putting the entire system with which the country does business at risk. The data that was stolen may invalidate the way we bank, secure our financial reputations, and are identified by the government. This does not even include the extreme risk of personal identity theft and the loss of money, time, and emotional wellbeing that goes along with that.
The additional information that Experian has lied overtly in their online web portal by randomly reporting if customers are victims of the hack is further evidence of their willful negligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received an alert on my credit report that my Capital One account was marked late. I knew I had paid the bill so I immediately checked to see what happened. In paying my multiple accounts, I got the amount mixed up. I paid {$25.00} and it was {$31.00}. This caused them to mark it XXXX days late. Ive never had a late in my life and this was an oversight of the total due and not a missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Aldous & Associates, PLLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a consumer as defined in federal law 15 U.S. Code 1692a ( 3 ). On XX/XX/2020, I discovered that a debt collector, ALDOUS AND ASSOCIATESXXXX  reported that I owe {$150.00} to the original creditor XXXX XXXX. In response, I sent a debt validation letter the same day to XXXX XXXX XXXX XXXX, UT XXXX, pursuant to 15 U.S. Code 1692g. I have not received a written notice nor any other form of communication in response to the debt validation request letter I sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: I.C. System, Inc.
State: TX
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:
I have called this company multiple times to get validation for this debt. They do not have information to validate or verify that this account belongs to me. I spoke with 5 different representatives and no of them were able to locate an account in my name. However, this negative account is still showing up 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 2022-08-15
Company: Experian Information Solutions Inc.
State: OR
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 account number XXXX, XXXX XXXX  account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX XXXX XXXX account number 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 consumer reporting Agency can not furnish a account without my written instruction

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