BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-14
Company: Servatus Corporation
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
For several weeks a debt collector has been contacting my work and when told I am not available he asks to speak with my boss. I contacted this debt collector on XXXX/XXXX/XX/XX/2015 to discuss debt repayment options and told him to stop contacting my work as that is illegal. He told me that I had to fax a paper stating i do not want contacted at work. I also told him i am not allowed personal calls at work and if he contacts me in the evening I would answer his calls. The very next morning on XXXX/XXXX/XX/XX/2015 he contacted my work again. The office manager told him to quit calling work that this is illegal and hung up on him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: OneMain Finance Corporation
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
FTC Report XX/XX/XXXX Prior report # XXXX Person believed responsible for the fraud ; XXXX XXXX of XXXX, Utah. 
Additional person believed to be responsible for applying for false credit cards, etc : XXXX XXXX XXXX of XXXX, CA or XXXX XXXX, CA Fraudulent Postal Mail Credit card applications and claims that I did not apply for or do using my name or a version of my name with my social security number. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX *Never applied for XXXX XXXX or XXXX claim from a XXXX XXXX at my employer, paid cash for one office visit to a XXXX XXXX and did not need anything further. 
XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX *They keep sending me claim information. I have not opened it. It is denied. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX I never applied for the use of a XXXX through my employer ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX for my payroll. I have had Direct Deposit and can show proof of such from : XX/XX/XXXX to XX/XX/XXXX. 
Received : XX/XX/XXXX I am reporting this mailing as possible fraud or use of my name and personal employer information. 
MASTERCARD XXXX. XXXX XXXX, GA XXXX False application using a name : XXXX XXXX XXXX at my address : XXXX XXXX XXXX XXXX XXXX, XXXX, Utah XXXX 2 mailings *Did not apply for an application for a credit card through Mastercard . 
XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, SD XXXX I have never applied for a Mastercard through XXXX XXXX XXXX Mailing is denied. 
XXXX XXXX XXXX. XXXX XXXX, VA XXXX *False application made using the name : XXXX XXXX XXXX at my address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX UT XXXX XXXX3 mailings-denied. 
ONE MAIN FINANCIAL XXXX XXXX XXXX XXXX, IN XXXX *False application made using the name : XXXX XXXX XXXX at my address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, OH XXXX *False application made using the name : XXXX XXXX at the address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Utah XXXX I need these cleared off my personal credit report if needed or made note of as fraud in the event it is needed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX ( XXXX ) XXXX

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: Problem with fraud alerts or security freezes

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am incensed with how equifax has handled reporting this breach and the steps they have taken to rectify the situation. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

When attempting to sign up for credit protection on the Equifax 2017 security breach website. I was forced to enter 6 digits of my SSN and then receive a notice that I am to come back to the website the following week to enroll. According to the news, this breach occurred 5-6 weeks ago. 

I then went to the XXXX website to review my credit report and enroll for extended fraud alert. I tried three times to do this through their the XXXX website. Each time I tried to upload the required documents the website would error - either by saying the site can not be reached or that the web page could not be found.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Revenue Enterprises, LLC
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX and 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: ID
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 number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are 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 who dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
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.

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: CO
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:
XXXX Database Breach Announced XXXX XXXX 2017 My personal, private information was compromised due to a lacking in their security. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX Database Breach Announced XXXX XXXX 2017 My personal, private information was compromised due to a lacking in their security. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: 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:
On XXXX/XXXX/XXXX I read about the Equifax data breach. When I went to their reporting website, I learned that my information had been grossly compromised. 

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
It appears that my information is impacted in the security breach from Equifax. I checked Equifax 's site after their recent security breach to seen if I was impacted. In addition, I received an email from XXXX XXXX XXXX on XXXX/XXXX/XXXX saying that my account was locked for multiple attempts to sign in. I have not accessed that account in over XXXX years. I would like to file a complaint against Equifax and hold them responsible for any negative impact to my credit or finiancial state. I am contacting the credit bureaus to place a fraud alert once their sites are available ( sites are currently down due to high traffic with this incident ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with TARGET/TD with the account XXXX. The current status should not be showing late because I think I paid on time. This just proves that XXXX Credit Bureau lacks proper record keeping. Now, this account is reporting to be late, yet it is closed and the balance is XXXX. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise fix these accounts immediately. CORRECT THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT.

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:
Equifax got hacked and now sites such as XXXX XXXX XXXXXXXX are telling me my identity and credit information could have been compromised as part of the hack/breach. This creates unnecessary anxiety, worry for me.

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

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and a bunch of others at risk. I am extremely frustrated with how equifax handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it by social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: OK
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 did not protect my very personal information and allowed that information to be dispensed via a data breach. I will be forced to deal with this for years to come.

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

Complaint:
Equifax 's data breach supposedly included my data which would easily allow someone to steal my identity and attempt to open credit lines in my name. Equifax 's handling of the situation thus far has been terrible, including trying to get people to sign up for a free monitoring service which included a clause attempting to force people to wave their rights to file a lawsuit against them ( I did not sign up for this service ). Also concerning is the news that higher ups at Equifax used insider trading info to sell stock before making knowledge of the breach public.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Account Ending : XXXX I have received a promotion from Citi Bank to open a checking account and earn additional 25 % cash back on my Citi XXXX XXXX credit card. So I opened an account per the terms and received an email as well from citi, that I had successfully enrolled in the promotion and I will be earning 25 % more cash back until XX/XX/XXXX. In fact they sent an email on XX/XX/XXXX, confirming that I am earning 25 % more cash back. 

But after the promotion period is over on XX/XX/XXXX, Citi should have awarded me the additional XXXX $ for the spend during the promo period. But Citi failed to provide me with appropriate cash back per the terms and failed to resolve my issues on time. 

I had submitted a case and got a reference # XXXX. But it is sitting there with no updates for more than 10 weeks. 

So help me in getting the cash back per the terms and I am attaching the required supporting documents.

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 2017-09-09
Company: EQUIFAX, INC.
State: MA
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:
Regarding the Equifax credit breach of XXXX. 

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan is with Truist. Everytime I attempt to make a payment there is always an issue with the payment process. The website never works ( at least for the past 7 months ) for payments from another bank. When I try to add a non truist account I get errors. When I try to use the app to make a payment the link to add a non truist account doesn't work. It's almost as if they're trying to force their mortgage customers that don't have a checking or savings account with to open an account with Truist. The reason I say that is because the link to open new accounts works just fine. I resorted to paying over the phone through they're automated system and now that doesn't even work.

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 2022-02-07
Company: SUMMIT FUNDING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I was notified that there was an issue with my escrow account. My paperwork was not completed to receive my XXXX Tax Credit on my Summer XXXX taxes causing my Summer Taxes to go up {$1900.00} and my mortgage payment to go up {$500.00} per month. I contacted XXXX XXXX on XX/XX/XXXX and spoke to the about how to fix this situation. I was told what paperwork was needed to prove residency and reinstate the tax credit. A hearing was set for XX/XX/XXXX. The township ruled in my favor and sent me documentation to send to my lender to have my escrow and mortgage adjusted. I sent this document to Summit Funding in XXXX but my account was not corrected. I have not been able to get in touch with anyone at the company. I have uploaded the documents to Customer Care and to my own account on the portal several times. I have called Customer Care on XXXX occasions and was on the phone for over an hour each time being sent back and forth from Customer Care to the tax department, each time being told ny issue would be escalated. I finally reached someone at the corporate office who took down my information and said that they would get back to me on XX/XX/XXXX. I have yet to get a call back. I am at a loss as to what to do. My payment is now showing that it is 2 months delinquent and my credit score has dropped tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I just received notice from ERC on X/X/17 in regards to an alleged debt owed of {$1100.00} to XXXX. Please produce validation. This would be the 3rd time that I 've requested validation of this debt of which XXXX continues to violate FCRA regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2022-07-10
Company: EQUIFAX, INC.
State: NY
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:
I pay my bill every month on time and Ive seen a balance of {$410.00} and my utilization went up to 69 % and my balance increase {$2.00} which I never had a late payment on this card or anything to drop my score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: F.H. Cann & Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am a consumer pursuant to Federal Law 15 USC 1692a ( 3 ).

FH Cann & Associates is a debt collector pursuant to 15 USC 1692a ( 6 ). 

FH Cann & Associates has used unfair practices in an attempt to collect a debt pursuant to 15 USC 1692f. 

FH Cann & Associates has furnished information without my consent to other third parties regarding alleged debts related to an account associated with my name. 

FH Cann & Associates must first receive written directions from me in accordance with 15 USC 1681b ( 2 ) in order to furnish information to any other person besides me, the consumer. 

Any person or organization that acquires information regarding a consumer without the prior consent of the consumer has committed the act of identity theft pursuant to 15 USC 1681 ( q ) ( 3 )

Company response to consumer: Closed with explanation