BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: IL
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 trusted credit bureau, improperly managed my credit report and has exposed me and 143 million Americans to identity theft. Given that credit plays into nearly every factor of our lives, this is n't something that should go unpunished. I would like to file a formal complain with the CFPB to request protection on my identity without having to pay any additional amount in addition to restitution for this ridiculous grief.
The fact that executives can get away with selling off their shares on insider knowledge and report this incident nearly three months after is ridiculous. Jail time should be involved.

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:
My credit information was recently compromised by the security breach at Equifax. I did not receive adequate notification, and discovered my information was compromised via their website for the recent security breach on XXXX/XXXX/XXXX. I have not received any information on precisely what information was compromised, what actions to take, or what is being remedied to prevent fraudulent use of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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 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 Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$10000.00} Account Status : Closed Payment Status : Charge-off Account Name : U S DEPT OF EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$3300.00} Account Status : Closed Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX : XX/XX/XXXX Account Balance : {$520.00} Account Status : -- Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department

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 2017-10-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XXXX/XXXX/XXXX I received a copy of my EQUIFAX credit report online through XXXX XXXX XXXX. Under the heading listed in the EQUIFAX report, as ASSOCIATED ADDRESSES, there is an address that is listed that I am unfamiliar with and know for a fact that I never lived there. The questionable address is : XXXX XXXX XXXX, XXXX, MASSACHUSETTS XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NC
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, Equifax 's data center was breached. It was not until a full 29 days later that Equifax made this information public. 

My social security number, address and full name have been made known to people who should not know that information. This is a permanent problem. For the rest of my life, I must now watch my credit like a hawk, wondering if today is the day that someone opens an account in my name and ruins my chances of getting a loan, buying a car, renting an apartment or buying a home. 

This problem will never go away. And this affects 60 % of the adult population of America.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Several years ago my long term partner XXXX. After unsuccessfully trying to collect from the estate the company transfered the debt onto me and tried to collect against me saying I was the only person on the account since my partner XXXX. This was not a debt I was part of, I did n't know it existed, I do n't live in an area that would make this collectable against me and these collection activities are quite frankly unfair and unethical. After providing the requested XXXX certificate they simply removed his name and replaced it with mine saying it was my debt. My credit report shows XXXX seperate acounts for a similar amount they are now also saying are XXXX seperate debts

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

Complaint:
The massive hack/breach at Experian exposed my personal information. I have put a fraud alert onto my account, and will need to be extra vigilant to make sure my identity is not stolen.

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 2022-02-09
Company: WELLS FARGO & COMPANY
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Im filing this report due to wells fargo again failing to acknowledge my evidence and stating only the reason of a secure login as reason for denial of my claim XXXX. This is not a sufficient reason to deny claim. In fact the info i provided is more then enough to rule in my favor as numerous ppl at wells fargo has stated that it should have been. Also for the 20th time iv not recieved a phone call from the investigator nor had anyone pulled the phone call from XX/XX/XXXX where the case was acknowledged as a dispute and said to he credited the next day. Wells fargo is intentionally doing all they can to attempt to close my case even going as far as changing actual cases filed telling me im not allowed to appeal and denying claims with no evidence to do so only repeating the same onfo over and over not providing any new update on my info which clearly shows it was impossible for me to make this transaction! If someone doesnt fix this issue im goibg to ve going to extreme lengths following this letter. The third document shows a order issue where you had said that there was never a case filed ending in XXXX however clearly that sats differently which means you have violated regulation by not crediting the amount because that case went 30 days and never credited to my account at 10 days. Iv filed many reports with still 0 explanation. You would be required to credit that amount still!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
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/2017 One main financial pulled my credit report for an application I never requested, applied for, or knew anything about. I have written letters to the company, disputed my credit report, and almost a year later, still no response and no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX and XXXX and Equifax have denied my multiple disputes on deleting my bankruptcy after the time it legally should be deleted. I have attached official official copies of my discharged bankruptcy! remove from my reports Equifax, XXXX and XXXX asap as i have hired an attorney to handle this wrongly emotional distress situation with XXXX, Equifax and XXXX. i will contact the Vice president of company in a week if this isn't handled correctly and the right way to treat someone.I have attatched multiple proof of official XXXX. XXXX dismissal date as of XX/XX/2012.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 : I filed a dispute with XX/XX/XXXXand XX/XX/XXXX about two American Express accounts appearing on my reports with large balances due which had been charged off ruining my credit rating. I can not rent or buy a home and face homelessness soon unable to move from a place which is price gouging due to the pandemic. The Amex accounts end in XXXX and XXXX. I reported the debt is not mine to the credit bureaus and requested to have the debt removed because all of the debt is my deceased husband 's XXXX treatment medical bills, work clothing, and business expenses. Other of my husband 's debts were also included on the credit report. Of those, only Amex has resumed predatory debt collection tactics calling everyday, mulitple times a day, leaving messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-21
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a holder of a XXXX store card over last XXXX years and always a great payer. Recently, I unfortunately had return payments from my bank for XXXX setup, but abruptly called Synchrony Bank to apologize and explain root cause. Pleaded with customer service representative for company not to close my account, which they replied, it 's not their decision. XXXX weeks after that call, letter arrived advising account has been closed, due to XXXX returned payments, which out of XXXX years of successful payments seems a policy, which makes no sense. I can understand if account was recently opened and such issues occurred, but for established good standing accounts, it is really not a logical decision making process and does n't represent how events in life happen unexpectedly. 

My complaint is that, nobody can predict unexpected situations that may lead to a returned payment and number of years a customer has been a good Auto-Payment customer should be included in such as decision making process. 

Kind Regards

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: Experian Information Solutions 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:
I have several inquires on my credit report that I did not authorize. I have asked that this incorrect information be removed. 
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 XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 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 2022-07-11
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Ive been having a recurring issue with Truist charging maintenance fees on my legacy Suntrust savings account. The account in question has had recurring transfers of {$30.00} from checking into savings each month since opening the account which is one of the conditions for avoiding the {$7.00} maintenance fee. After the changeover to Truist, their system has charged this fee although nothing has changed with the account. I contacted Truist through XXXX in XX/XX/XXXX about this issue and was credited the fees and told the issue would be resolved. On XX/XX/XXXX, I was once again charged a {$7.00} maintenance fee. Ive reached out to Truist through XXXX once again via a XXXX and direct message about the issue and have yet to receive a response. Ive also contacted Truist twice through their chat support and have been unable to get the issue 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 explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, 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 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 Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$10000.00} Account Status : Closed Payment Status : Charge-off Account Name : U S DEPT OF EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$3300.00} Account Status : Closed Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Opened : XX/XX/XXXX Account Balance : {$520.00} Account Status : -- Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: Experian Information Solutions Inc.
State: NY
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 canceling credit monitoring or identify theft protection service

Complaint:
Experian offered a credit report service and said that i could cancel within a few days if I did not like the service. My membership number is XXXX I did not like the service and want to cancel. It is very hard to cancel the service and the only way to cancel the service is to call them. There is not way to cancel membership online. 

I have been on the phone waiting for 1 to 2 hours without any response trying to cancel the service without any response from Experian. 

Please help me cancel my service asap

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 2022-02-09
Company: EQUIFAX, INC.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report Account Number : 1433 This Account is inaccurate and seeking litigation please delete it once 2. Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
On XXXX I received a letter from Champion Mortgage Company stating that they had to make payments for delinquent taxes in my behalf. 

The taxes are NOT delinquent as they are due by XXXX XXXX XXXX XXXX I called the mortgage company to discuss the problem and they stated a third party company advises them when a customer has unpaid tax payments and based on that only they say they sent payments. 

XX/XX/XXXX I called both the local and county tax offices and both said in no way am I delinquent as they aren't due until XXXX. 

XX/XX/XXXX I called the mortgage company back to tell them I spoke to the tax offices and they were unhelpful and continued to repeat the same things that i was delinquent. 

They advised me to pay them back or face possible foreclosure. They also charged me fees because I was supposedly delinquent. 

They said they paid a total of {$2400.00} As of XX/XX/XXXX neither the county or township have received payments from Champion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: IL
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 XX/XX/XXXX I found out that a company named Equifax somehow had access to my SSN and credit card information. I also found out that they somehow lost this, and HALF of my fellow countrymen 's information too. I also found out that this had also happened on a much smaller scale months ago. Equifax refused to implement the proper security protocols to change their vulnerability and now has lost half of the USA 's populations most important information. The worst aspect of all of this is that Equifax executives sold almost {$2.00} XXXX in stock sales following data breach back in XX/XX/XXXX. So while they profit, the people affected by this breach sit and wait for a con artist to steal our identity. So what do I do now? I ca n't change my SSN. Our country refuses to have a national ID. I simply have to wait for someone to use steal my identity. SSNs were not intended to be used for identification purpose. They are about the least secure form of identification possible. Equifax must pay for their lax security, executives greed, and indifference towards the US citizens information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Please see attached Identify theft report, I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile. 
All 3 credit bureaus have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2019-10-17
Company: The Outsource Group, Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is fraudulent and Doesnt belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Experian Information Solutions 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it 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