BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
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: Problem with product or service terms changing

Complaint:
With regard to the recent data security breach at Equifax, they are offering free credit monitoring to those impacted. It appears that the terms imply that by accepting their monitoring service you must agree to resolve any related disputes through arbitration and forego your rights to file suit or join a class action. Seeing as that they are at fault for the issue, I do not think they are in a position to further impose upon my rights as a prerequisite of providing me with a service that does not actually remedy the problem. Credit Monitoring Services and Fraud Insurance does not solve the problem of a data breach, it only provides assistance in identifying and resolving potential negative impacts for a limited time period. The negative impacts could arise much later, and this service is not preventative. I expect to be provided this service without sacrificing my rights later. From https : XXXX/www.equifaxsecurity2017.com they link to the TOU from their main site : http : //www.equifax.com/terms/

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: The Outsource Group, Inc
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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 mis-handled my data, leading to my private information ( SSN, DOB, address ) being exposed and leading to a life-long identify theft threat.

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

Complaint:
Equifax did not have adequate security in place, and leaked my SSN and now they want me to pay for their service to prevent identity theft that they made  possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I got divorce on XXXX, I am in the military and Chase had denied numerous times for me to sell the house. I being thru the Short Sale process since XX/XX/XXXX and chase has denied the sell every single time. In one occasion their explanation was that they will not work my realtor ( after being working with her for 1 yr ). Today, XXXX XXXX they stated that it was deny because missing paperwork. I had provided everything that they had asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have inquires that I did not authorize at all I called all 3 credit burial and the only company that was able to help me was XXXX  that disputed 20 inquires and the confirmation is # XXXX. I explained to TransUnion and XXXX  how I can get it deleted and they told me that I had to call each company and ask for a deletion form for the unauthorized inquires but when i started calling the company 's 4 of them told me that they have no record of anyone trying to apply such as XXXX XXXX I spoke to a XXXX Id number XXXX and he assured me that no-one has tried to apply for a credit card with my social so when I call back both credit beau they told me to go to XXXX then when i needed help filling out form I called and they told me that I had to contact you guys. I have not applied for a credit card or loan in almost 2 years I only have 2 credit cards and I still have open accounts from them. I tried to put a fraud protection which I thought I had for 2 years and noticed all these inquires on my report last week I only check my report once a year because its free. I've had a police report when my purse got stolen from my car 4 years ago and I'm not sure if its the same people applying for credit cards under my name thinking they can get approved. Transunion and XXXX  have over 22 hard inquires that I did not approve of. I just want them to be removed from my account its not fair that I am trying to fix my credit and someone just keeps using it. I will add all the inquires that i did not authorize down below and upload a copy. 
XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX AND XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ank XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX AND XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX AND XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX SOME OF THESE INQUIRE ARE MULIPLE TIMES

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 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hey, My name is XXXX XXXX XXXX. I have a huge problem that I am hoping you can help me solve. I have disputed with the credit bureaus and the collection agencies and creditors multiple times because they are reporting negative inaccurate information on my credit report. They are refusing to remove this information even though I have shown valid proof that it is not 100 accurate according to the FCRA.

Please remove these accounts from my credit profile because they are not 100 accurate and it is causing me a great deal of harm.

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 2017-09-08
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Related to Equifax 's latest breach of consumer data, Equifax is either unwilling or unable to provide information as to whether and how much of my personal data was affected by the data breach. Their website www.equifaxsecurity2017.com only tries to sign us up for their credit monitoring service, which, coincidentally enough, then waves our right to sue. I have also tried calling their contracted company via the telephone provided on this website and they referred me back to the malfunctioning/nonfunctioning website. They are unwilling to connect me directly with Equifax corporate for more information. This is an inadequate and negligent reaction to their data breach in my opinion. 

Are they not required to advise whether or not our personal data was compromised? 

In a likely related scenario, I have been struggling with Identity Theft since late-XXXX ( just one or two weeks after this data breach ). I find it VERY hard to believe that this is a coincidence. We have a right to know if our data has been breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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, XXXX XXXX, Consumers am aware Dated on XX/XX/2022 CFPB complaint ID XXXX that XXXX XXXX XXXX XXXX XXXX Stated XXXX XXXX XXXX XXXX XXXX to report accurate information to the credit bureaus : therefore we can not accommodate your request to remove the negative information : however, we have requested the credit bureaus to flag the tradeline as Disputed However, Congress Policy under Gramm-Leach-Bliley Act makes it very clear that such Financial Institutions are REQUIRED to give their Customers/Consumers the opportunity to exercise their right ( s ) to Opt out of furnishing their nonpublic personal information ( See 15 U.S. Code 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) ). 

( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX now all I, XXXX XXXX, need for you to do is clarify that youve complied with Federal Law Gramm-Leach-Bliley ACT as required to give me ( XXXX XXXX ) customer and consumer such opportunity to exercise my rights to Opt out of furnishing my nonpublic personal information. 

Respectfully, Thanks, Best Regards. 
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 2019-08-01
Company: EQUIFAX, INC.
State: HI
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:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Allegiant Capital Recovery LLC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Allegiant Capitol Recovery keeps calling me. Leaving messages. They do not state that this is an attempt to collect a debt, if you are not " so and so '' please disregard this message. She doesn't leave her name just a contact number. She says if we dont hear from you or your lawyer then " best of luck. '' I found the company name by XXXX  their phone number. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The servicer of my mortgage Mr. Cooper, has not responded to multiple requests that they process my final mortgage payment. 


Funds for the pay off of my mortgage were wired on XX/XX/22 and available on XX/XX/22. 

I called my loan servicer Mr. Cooper, on XX/XX/22 to confirm receipt of the funds and was asked to call back on XX/XX/22. 

I called on XX/XX/22 and was asked to call back on XX/XX/22. 

I called on XX/XX/22 and was advised to call back, and was told it might take 7 days. 

I have submitted online " tickets '' at the Mr. Cooper website ( https : //www.mrcooper.com/ ) informing them that : - tracking via XXXX XXXX documents that the funds were available on XX/XX/22 and have not been collected. 

- my final mortgage payment has not been processed ( it has been 9 business days since the funds were transferred ) - my online account is stating that my payment is past due - on XX/XX/22 I received a " late payment '' reminder via email but no communication regarding my mortgage payment not being processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
My information, my wife 's information, and my daughters information all were breached by cyberhacker. i waited on hold 4 different times for a representative, more than 15 minutes each time and then they simply brought on a recorded line that told me to try later and disconnected me.
Why does the credit reporting agency even have my drivers license information? I find this to be totally unacceptable. I have no control over companies providing Equifax with my information nor do i have any control over Equifax diligently protecting the information.
In addition, all burden is on me to figure out if I was impacted when they simply could have mailed me a notice. They have known about the breach for over a month now. This is an area that I would expect my Government to be able to control and one that I expect my tax dollars to be used to defend my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Since yesterday, I have been trying to opt-out of the automatic opt-in for the terms of service for the Equifax website equifaxsecurity2017.com. There is no option given for opting-into the TOS, therefore it should be invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Performant Financial Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XXXX XXXX collector name XXXX XXXX sent me a letter stating I owe a debt of balance of {$5400.00} via mail. This letter had several violations. Heres a list 15 USC 1692d ( 2 ) fee {$500.00} Quality 2 15 USC 1692e ( 2 ) ( A ) fee {$500.00} Quality 1 15 USC 1605 ( A ) fee {$500.00} Quality 2 15 USC 1692f ( 1 ) fee {$500.00} Quality 1

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a Chase Bank account and they sent me a notice they were closing it a week after opening it, and did the same with XXXX XXXX, but with no notice, and the same result happened. I hadn't even had the chance to use either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries on my credit report that I did not authorize : XXXX via XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/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 2017-09-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To Whom It May Concern : I am writing to lodge a formal complaint with the CFPB against Equifax, the credit reporting agency. 

Like millions of consumers, I learned in the newspaper and on television yesterday that my social security number, date of birth, home address and other personal information may have been compromised by a data breach at Equifax that occurred between XXXX and XXXX of XXXX, but that Equifax only revealed yesterday ( XXXX XXXX, XXXX ). 

In accordance with instructions in the newspaper and on the Equifax website I went to a special webpage that Equifax set up to let consumers know if there data had been compromised as part of the hack. 

I was informed by the Equifax system that my social security number and other personal information may have been compromised. And that 's it. No other clarifying information is provided. All a consumer get 's is appointed date to sign up for some lame credit monitorings service, with a disclosure that there will be no reminders and no other information about such an important topic. There is no number to call to get other information and no other support provided. 

This is outrageous. Due to Equifax 's breach my credit history could be compromised ( literally as I type this ) and Equifax refuses to provide reasonable information or support to consumers. 

Something must be done. This company needs to be directed to do more and to be fined severely for failure to disclose the data breach and correct it for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I tried several times to contact the company to get assistance with paying my credit card bill and lowering and/or removing fees during my time of a financial hardship due to loss of income, but have not been able to speak to anyone at the company for any help. I would like to keep the account open and return to good status with the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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. 
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 a account without my written instructions I have inquiries that I didn't authorized also XXXX : XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Transunion : XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
nissan has settled a class action suit for its known transmission failures related to models with the XXXX transmission. settled this year on record with the federal government. 

Last year in XXXX XXXX the transmission on my XXXX XXXX failed and the repai came to XXXX dollars us, that i had to privately borrow to maintain commuting to a job. 

I informed nissan XXXX of the situation on various emails after and up to XX/XX/XXXX. 
I informed them that any payments to pay the loan, was sublected to payment to repair the transmission so i could keep working to pay the loan. 

they ignored phone calls made 5 times between XX/XX/XXXX and XX/XX/XXXX during collection activities. 

Each time i was told that i needed to pay up or credit would be knocked down and repossesion could occur. 

I went past due and struggled to catch up but nissan refused to help and lower payments or reset loan. they showed me 30,60, days late which knocked my credit score down.

They refuse to accept that the transmission cost whick with my XXXX fall under the agreement by the US and nissan XXXX to either credit the loan for repairs and remove the past dues, or the refinance the loan. 
nissan XXXX  of texas usa.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They stopped for awhile with calling me, so I dont remember dates. Ive had dealings with portfolio recovery before and have asked them to only contact me by phone, in writing as required. Ive informed a few of the people I have spoken to that they shouldnt be contacting me by phone and that if it continues I will file a complaint. The last call I got was from ( XXXX ) XXXX Wednesday XX/XX/XXXX at XXXX XXXX.

Company response to consumer: Closed with non-monetary relief