BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. for 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

XXXX XXXX XXXX opened XX/XX/2022 balance {$25000.00} reported a late payment on my credit report 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

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 2022-02-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions. 

Remove Fraudulent Accounts : Account name : XXXX Account number : XXXX Original creditor : XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX Account type : Open account Balance : {$7000.00} Balance updated : XX/XX/XXXX Paid off : 0 % Responsibility : Individual account Payment history : No payments have been reported on this account. 
Contact info : XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Comments : Placed for collection Account name : XXXX Account number : XXXX Original creditor : XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX Account type : Open account Balance : {$0.00} Balance updated : XX/XX/XXXX Paid off : 100 % Responsibility : Individual account Payment history : No payments have been reported on this account. 
Contact info : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Account name : XXXX Account number : XXXX Original creditor : XXXX XXXX Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX Account type : Open account Balance : {$400.00} Balance updated : XX/XX/XXXX Paid off : 0 % Responsibility : Individual account Payment history : No payments have been reported on this account. 
Contact info : XXXX XXXX XXXX, DE XXXX XXXX XXXX Comments Affected by natural disaster

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 2019-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2019 two cards one a capital one bank and other a XXXX card was tried to issue and was denied. I never applied for either of there credit cards. Some one has tried to use my identy theft and apply. Plus my credit score has dropped more than 40 points and not sure why. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My name is XXXX XXXX. I am contacting you about my checking account with TRUIST bank. This company charged me XXXX over draft fee. They credited one of them. I am contacting you because I feel I was very much charged these fees when I should not have because when these pending charges cleared my account the money was there. XXXX pending charge caused my account to go in the red. At that time ALL the charges where pending. However when the bank did their update at midnight the XXXX XXXX charge is still pending and there is money in the account to cover that XXXX charge now. I could see if when all the charges CLEARED my account was in the red but that is/wasnt the case. How in the world could TRUIST charge me these fees. I contacted them and the first CSR was going to try to refund me ONE of the fees but I told her all those fees should be removed so I wanted to take to a supervisor. She transfered me to XXXX. After taking to him, he said the account charges where correct and wouldn't remove them. Hands down this isn't right. Can you please help me look into these fees. The date is XX/XX/2022. Please let me know what other information is needed to help me fix this issue.

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 2022-02-11
Company: BARCLAYS BANK DELAWARE
State: CA
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 had a collection which I paid and I was promise to have the account to be deleted as of today they account will open and reporting wrong.

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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My personal information has been divulged in the Equifax leak announced XXXX XXXX, according to https : //www.equifaxsecurity2017.com/potential-impact/. This information can include my date of birth, full address, SSN, drivers license number, and more. I 've put a 90-day fraud alert on my accounts, but I am filing a complaint against Equifax here as well for potential identity theft due to their actions. Furthermore, I believe this site https : //www.equifaxsecurity2017.com/potential-impact/ itself is unsafe, as it asks me to enter my last name and most of my SSN in order to determine if my personal info has leaked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: AZ
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:
As of XX/XX/17, my personal information and credit information is listed as potentially impacted by the EquiFax security breach on : https XXXX XXXX. I am currently in the process of reviewing my banking and credit information and placing fraud alerts with all 3 credit bureaus to be proactive regarding the protection of my personal information. 

My complaint is that the effort I normally take to protect my finances and ensure accurate information was not matched by EquiFax, a company trusted to securely and truthfully report my credit information. It is unacceptable that this breach took weeks to announce without any attempt to first contact the affected consumers and announce what resolution they were seeking to rectify the situation. It is equally unacceptable that at this point, because the data announced as stolen is so vague and widespread, I am forced to assume that my entire credit history and personal identity is at risk. 

As of the time of this complaint, I have not encountered any fraudulent activity, but this situation is one that will require close monitoring for years to come. If even one piece of my PII is used to engage in fraudulent activity, it will be directly due to EquiFax 's actions and inactions regarding this breach.

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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax, a credit reporting bureau responsible for tracking and maintaining the credit score that allows me to function properly as an American citizen, failed to take adequate security precautions or implement adequate security measures to protect my Personally Identifiable Information ( PII ).
Specifically, due to their own negligence and substantial information security failures, Equifax caused my most sensitive PII ( SSN, Name, Birth Date, Addresses, Driver 's License Number, etc. ) to fall into the hands of an unknown and demonstrably malicious agency.
This is evidenced by Equifax 's own website ( http : //www.equifaxsecurity2017.com/ ), which contains their response and actions taken. I find those actions to be wholly inadequate, given that my PII will be critical for the rest of my life, and is now and forever more will be readily available to external malicious actors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Block, Inc.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023. {$1100.00} was taken from my Cash App account which is connected to my bank account ( XXXX ). The bank reimbursed me {$1000.00} of the funds but recently informed me that Cash app denied my claim and they would have to charge the amount back to my my account. Cash app informed me that my claim had been denied and I have asked for a call from a representative but to no avail. I have attached a copy of the fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a statement from Wells Fargo indicating I had a payment due by XX/XX/18 in the amount of XXXX and my account balance was {$12000.00}. I went into a branch in XXXX, GA on XX/XX/18 and was quoted a loan payoff amount of XXXX. I went to the XXXX, GA branch on XX/XX/18 to pay off account and was told I had to pay XXXX. This is an extra {$73.00} over and above what I was quoted. To me this is predatory since that is more than the amount I pay monthly to principle. I am reporting this to everyone I can about how business is conducted here. My loan has been paid in full.

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 2016-11-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was in the process of a XXXX modificiation due to a financial struggle. I am currently XXXX payments delinquent, with an additional payment due before XXXX XXXX 2016. Once three months behind, the company will begin foreclosure proceedings. I made a payment via XXXX on Monday XXXX/XXXX/2016 that equaled an entire monthly mortgage payment. The mortgage company refuses to accept this, stating that they will only accept XXXX full months payments. Since then, they have also denied my XXXX loan modificiation, for reasons that they have yet to give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: AZ
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 NOTIFIED XXXX XXXX  ABOUT A FRAUDULENT ACCOUNT OPENED DUE TO IDENTITY THEFT BY EMAIL ON XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22. 
BY FAX XX/XX/22, XX/XX/22. 
BY PHONE CALL XX/XX/22 XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22. 
AND BY MAIL XX/XX/22, XX/XX/22, XX/XX/22 THE FRAUDULENT ACCOUNT IS STILL OPEN, AND BEING REPORTED TO ALL 3 CREDIT BUREAU 'S, AND WAS RECENTLY CHARGED OFF AND SOLD TO A COLLECTION AGENCY. 

I SENT AN FTC REPORT, A POLICE REPORT, AND ALL INFORMATION ASKED OF ME AND THE PROBLEM IS NOT BEING RESOLVED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with 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 NOTIFIED XXXX XXXX ABOUT A FRAUDULENT ACCOUNT OPENED DUE TO IDENTITY THEFT BY EMAIL ON XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22. 
BY FAX XX/XX/22, XX/XX/22. 
BY PHONE CALL XX/XX/22 XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22. 
AND BY MAIL XX/XX/22, XX/XX/22, XX/XX/22 THE FRAUDULENT ACCOUNT IS STILL OPEN, AND BEING REPORTED TO ALL 3 CREDIT BUREAU 'S, AND WAS RECENTLY CHARGED OFF AND SOLD TO A COLLECTION AGENCY. 

I SENT AN FTC REPORT, A POLICE REPORT, AND ALL INFORMATION ASKED OF ME AND THE PROBLEM IS NOT BEING RESOLVED

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 2017-09-08
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:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. exposing myself to the risk of identity theft/fraud due to negligent security protocols in handling consumer information. This is all due to a data breach in XX/XX/XXXX/XX/XX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
My personal information was exposed through gross negligence on Equifax 's part. Furthermore, delaying informing any of the victims for months, allowing management to sell stock options, and not offering a legitimate remedy for the situation and instead further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: RI
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, allowing for a massive data leak. This puts myself and millions of others at risk. As per their website, XXXX, I 'm listed as a potential victim and would like to see a resolution. 

Their abhorrent behaviors of selling off stocks before disclosing the leak are indications to many that they lack remorse for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Affirm Holdings, Inc
State: MI
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 XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me ( contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help. I do not have a contact with this company! THIS ACCOUNT APPEARS ON MY CREDIT PROFILE TWICE WITH TWO DIFFERENT AMOUNTS ( {$300.00} & {$530.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I called all three bureaus. And I did the dispute process. They acknowledge that XXXX reported the debt was sold to another company and therefore XXXX DOES NOT OWN THE DEBT. The company that XXXX sold the debt to has been paid in full and agreed to remove any derogatory reporting. They gave me this in writing and I have proof of this info and payment. Despite all of this NONE of the 3 bureaus will remove this from my credit report as derogatory. XXXX says that they acknowledged they do not own the debt to the bureaus- but they are going to continue to report it - and all 3 bureaus acknowledge all of this ( and have my submission of proof as part of my dispute ) but REFUSE to remove XXXX. This is going on 3 years or more of me disputing this info and the credit bureaus refusing to remove it. ( Among several other things like student loans that were never late and the Federal government ceased payments for anyways ).

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: 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:
The data breach by Equifax was known to them since at least XX/XX/XXXX.  No one has been informed of such a terrible breach until TODAY! Equifax is also making individuals check to see if their information may have been stolen, and in said signing up with Equifax are making us waive our rights to legal arbitration. There MUST be better security on their end along with reparations for those of us whose lives and credit may now be shattered! The usage of another website NOT even sub-domained by Equifax to check to see if we have been possibly breached is shady, and can, probably will be duplicated to con even more people.

Company response to consumer: Closed with explanation