BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-26
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX  ; Experian and XXXX are reporting incorrectly a charge-off in the amount of {$21000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, the balance amount reporting has clearly been entered into my credit report incorrectly, and second, my son is in the military and his phone plan through XXXX has a special discount for military families. There is no outstanding balance due and consequently, nothing to charge-off. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2017-09-13
Company: EQUIFAX, INC.
State: MS
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX IS REPORTING THAT I PAID 50 % OF THE BILL IN COLLECTION. THEY SOLD ME A HOT SPOT DEVICE WHICH DID NOT WORK. THEY AGREED THAT I PAY {$120.00} IN FULL TO SETTLE THIS DISPUTE AND THEY WOULD NOT FILE ON MY CREDIT REPORT. MY PAYMENT WAS AGREED UPON AND PAID TO XXXX XXXX IN GOOD FAITH.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13
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:
XXXX XXXX it was reported that Equifax leaked XXXX XXXX consumers ' records in their possession. I have not been told if I have been affected, and my data is possibly vulnerable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: EQUIFAX, INC.
State: PA
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 writing this due to non compliance with the XXXX Equifax, Equifax, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX alerts

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 2020-02-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Please refer the complaint # XXXX dated XX/XX/XXXX. 
On or about XXXX XX/XX/XXXX, I received the letter from Chase that they are closing my account ending in XXXX. I have no idea why they did that as this card was very active with the transactions as current as this week. I always made on-time payment. I am having credit score of XXXX. Never missed any payments or delay payment. Very little debt ( mortgage on rental property ). 
Letter states that account is closed due to : Too many requests for credit or reviews of credit This account and/or related account was closed at the banks request. 

I some how feel differently. I strongly feel that chase is doing it deliberately as I had reached out to CFPB in the past about Chase. Please refer another CFPB complaint XXXX on XX/XX/XXXX. 

Called Chase and had around 30 minutes of discussion about the same on XXXX XX/XX/XXXX. First with XXXX and customer Service ( XXXX, TX ) According to XXXX, within 12 months - 4 credit card accounts are opened by me plus my another chase account ( XXXX ) which was closed by Chase are the two reasons for the closure of my account. 

This is a serious issue as every time a card is opened or closed - there is an impact on person 's credit score/history. If people like me are facing these kind of situations - what this fraud bank will do to others who are neither having such a high credit score or knowledge about finance/credit card industry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX bank withdraw reversed for payments in my checking account without notice. states provisional credit reversal from stimulus payment. As a single mother on XXXX, this has impacted my finances in a huge way. I've reached out in attempt understand where this came from and possible make arrangements on correcting this. Wells Fargo constantly leaves me on hold, hangs up, states it escalated for call back no one has yet returned my call. I had all my finances connected to this account, now I'm having to route to another bank, due to them stopping over drafting I'm getting hit with all kinds off payment reversals. i do admit my account has not always been in good standing however I've been a loyal customer for XXXX  years and my direct deposit has been entering this company since every XXXX weeks. I'm on danger of losing everything due to the ripple affect this caused from the month of XXXX. That {$400.00} that was available to the time was to pay for my car insurance and car loan. That was all the money I had plus it negative my account- {$1200.00}. 
This has to be someone that understands my position. i have not help. i am the only provider for my home and my kids. I have access to resources for money assistance. I'm trying to build my credit to by a home and this dropped my score down XXXX points. I cant afford to owe a bank. how am i going to come out of this whole?

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 2020-02-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased a car and financed with the Nissan Corporation. commencing on XX/XX/XXXX with an original maturity date of XX/XX/XXXX. At the start of my car loan in XXXX I ran into some unexpected money issues. I called Nissan Corporation to look into a payment extension. I was informed that yes this was available and that the loan would be extended and the payment would be paid at the end of the loan term. Which meant extending the maturity date.During the life of the loan I took advantage of the payment deferment 2 more times for a total of 3 extensions. Moving my loan form an original end date of XX/XX/XXXX to XX/XX/XXXX. To my surprise at the end of the loan I was hit with a {$1000.00} accumulated interest for those payments. I don't ever remember being told this would happen and would have definitely opted to make late payments on the loan rather than incur large amounts of interest over the life of the loan. I did received letters ea time the payments were deferred and I don't recall seeing anything about the extra account that would be set up somewhere I could not see or access. They have double dipped on the interest. The money was not removed off the account it was simply moved and extended the life of the loan which means they were already collecting interest on the loan amount, and the extra extension time. It was never made clear that there was a separate account collecting and growing in funds. My statement and online account always showed a depreciating amount. I was taken advantage of and could have easily made other arrangements, or made extra payments when I was able to, and I would have not proceeded to extend the loan 2 more times had I been properly informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: WI
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:
Equifax compromised my personal identity without my permission. They did n't inform me of it for months, then wanted to charge me to protect my credit. Since there are three major credit agencies, I will get charged at all three of the agencies to freeze my credit information. I am not a customer of any of these agencies, and I do n't want to become a customer. I have a problem with paying for these agencies to protect information I do n't want them to have to begin with and information that they should be protecting as part of there business. 

I would like these agencies to freeze credit records by default and not try to extort money to protect a persons ' credit records. 

Now take this complaint and multiply by millions to get an idea about how furious all us regular people are!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
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:
In XXXX of XXXX, I became a victim of identity theft. Someone attempted to file a claim for unemployment. I was notified by my employer that this happened. I was provided information to take the necessary steps to protect my personal information by placing fraud alerts on all XXXX of my credit reports. XXXX of the alerts expired in XXXX of XXXX and XXXX expires in XX/XX/XXXX. 
Over the course of the last year, there have been multiple inquiries on my credit report. I have been only contacted once to confirm that it was in fact me applying for credit or financing. That call to me was made in XXXX of XXXX by XXXX XXXX XXXX XXXX when I purchased a new vehicle. Other than that none of the credit bureaus have contacted me. I called Transunion this morning because I received an email from XXXX of my creditors that Transunion mistakenly check my credit for a XXXX which caused a hard inquiry on my credit report. It was removed once it was discovered. I then went to look at my credit reports to make sure that there were no other mistakes showing up. There are a number of inquiries on my credit report. My credit report is supposed to be frozen and there is a fraud alert that is valid until XX/XX/XXXX. I called Transunion and the Rep that I spoke to could not explain why anyone was given access to my credit report without confirming that it was in fact me and how anyone was getting access to my report when it is frozen. The Rep agreed that someone should be calling me to confirm my identity but could not explain why that never happened. She then advised that I had to submit a dispute in writing to have it investigated. I can not understand how Transunion and the other bureaus see an alert and/or freeze and continue to not honor it and why I have to take these steps when access should have never been given without my consent, to begin with. Transunion also checked my credit without my permission and removed the inquiry but I was told that can not be done in this situation. It is unacceptable. The freeze and the alerts are supposed to protect me and stop people from accessing my personal information.

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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Date : XXXX/XXXX/XXXX amounts : {$19.00} I was signing up an account on TransUnion website. It was just for signing up a new account, but my credit card was charged by TransUnion. I XXXX percent did not approve this transaction. 

TransUnion is a XXXX on this. It let me input my credit card number to validate my identity, but that 's not true.

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 2022-06-14
Company: TICE ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Tice Associates ( collection agency ) reported a delinquency of {$55.00} to multiple credit bureaus reporting a " date of XXXX delinquency '' as XX/XX/XXXX for a medical debt. Unaware of this debt I contacted XXXX who has no record any claim ( s ) with a patient responsibility of {$55.00}. 
I disputed this debt with XXXX, the following day they " verified as accurate ''. 
I contacted XXXX XXXX to inquire what this was. Tice Associates stated this was for 2 separate claims from the same provider. One for {$35.00} originating on XX/XX/XXXX and a second for {$19.00} originating on XX/XX/XXXX. 
Tice Associates stated they attempted to contact us twice once in XXXX XXXX and a second time in XXXX XXXX. We never received anything from them or the original provider who they state is University XXXX XXXX XXXX for either. 
Tice Associates states they base the " Date of XXXX Delinquency '' on the most recent delinquency and not the date of XXXX delinquency. 

1, No notification from original creditor. 
2, No notification from debt collector. 
3, Received no verification of Debt. 
4, Medicare has no record of claims from this provider, or patient responsibility for these amount 's. 
5, Date of 1st delinquency is outside the XXXX 3 year statute of limitations. 
6, Debt collector spoke to a relative about this debt in detail without receiving formal authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # 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

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 2017-09-13
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried many times to place a credit security freeze online at Equifax. I put in all the correct information ( I have no XXXX or XXXX, XXXX, etc after my name ). After entering all the required information correctly, the website reports the folllowing : " Additional Information Required We 're sorry ... we can not process your online request concerning an Equifax security freeze. To assist us in processing your request please submit in writing the required items outlined below. 

For all security freeze requests please submit the following ID information : your complete name including any suffix ( e.g. XXXX, XXXX, etc. ), complete address, Social Security number and date of birth. 

For the Placement of a security freeze, please provide the above required personal ID information. 

To temporarily lift a security freeze, you must submit all of the following along with the required personal ID information : - 10-digit personal identification number ( PIN ) - Date range ( e.g.XX/XX/XXXX - XX/XX/XXXX ) or proper information regarding the third party ( ies ) to receive your credit file ( e.g. XXXX ) To permanently remove a security freeze, you must submit all of the following along with the required personal ID information : - 10-digit personal identification number ( PIN ) - Two ( 2 ) forms of identification ( eg.Pay stub with address and utility bill ) Please return your required personal ID information along with any additionally required information noted above to : Equifax Information Services XXXX XXXX XXXX GA XXXX Please include payment by check or major credit card for the appropriate fees. For XXXX, XXXX, XXXX or XXXX XXXX payment, please include your name as it appears on the card, the card number and the expiration date. Please click here for the fees associated with your state 's security freeze. 

We will provide you with written confirmation of the successful completion of your security freeze request. 

To make a security freeze request with the other national consumer credit reporting agencies, please contact XXXX and XXXX : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX Thank you, Equifax Information Services LLC " XXXX and XXXX allows me to do this on-line. This demand of performing a freeze request by mail is an undue burden and obstacle put in place to deter the consumer from doing what is his/her legal right. XXXX only wants to continue profiting off information about the consumer, to the consumer 's detriment. XXXX can not be trusted with distributing my information securely nor admitting failure to do so in a timely manner to enable me to protect myself from identity theft. 

Why is n't there regulation against this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have tried multiple times to get Equifax to take off a collection debt from XXXX XXXX XXXX from my credit report. I have a collection for an apartment that I used to live in. I have provided documentation to Equifax showing that I had moved from this apartment and removed from the lease signed by the Management Company. They for some reason still insist that this is my account. The " validation '' I received was a water bill that they forgot to change out of my name. I can not be charged for rent for a place I did not live and took all the steps necessary by the management company to leave.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been sending you a letters regarding inaccurate things on my credit report but I until this day over 45 days already, I still got no response. I was told by an attorney that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by XXXX  data breach and its your obligation to fix all these errors.

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 2017-09-13
Company: Bliksum, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XXXX I borrowed XXXX The loan carries an interest rate of 139 % and an APR of 139 % even though the loan is XXXX it is XXXX credit cost but if it 's paid monthly throughout contract, payout will be XXXX. I have borrowed from this company on 2 other occasions fortunately paid it of within a few months. My husband lose his job at the failed XXXX XXXXXXXX in SC along with XXXX other employees.I am wondering how companies are allowed to charge such outrageous interest rate There other pay day loans I am dealing with and have dealt with such as 1- The XXXX XXXXXXXX 2- XXXX XXXX 3-XXXX, They all are outrageousluck over rated. 
Thank You XXXX XXXX I

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: VA
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: Received unwanted marketing or advertising

Complaint:
As XXXX of the XXXX Million affected by the Equifax data breach, I followed the announced protocol to inform and obtain the monitoring services that were offered. Instead, after beginning the enrollment process and being told that I would have to wait up to 2 days to receive my email since they were under such a backlog, the first email I received was a solicitation to purchase XXXX, XXXX and Equifax services that were an additional paid service. 

All this seems like, is another effort to jam the consumer with another annual paid service as opposed to actually fixing the problem. 

Your organization 's charge, as the supposed " watchdog '' for the consumer, requires the monitoring of these ineffective business processes. Since they can not be trusted with the awesome requirements of protecting our personal information they should not be allowed to do so. Even the IRS has left us exposed to the criminals in these cases and I, for XXXX, am fed up with paying for something that fails.

Company response to consumer: Closed with explanation