BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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: 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 has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2017-09-09
Company: EQUIFAX, INC.
State: CO
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 XX/XX/XXXX, 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 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 used my credit reporting history negligently, and let my information get leaked. Then, on top of this, they tried to get me to sign up for one year free credit protection, if I forfeit my rights to class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
My wife and I received XXXX XXXX credit cards ( with Barclays bank ) that we didn't apply for. Many years ago we had an XXXX XXXX credit card through XXXX XXXX but it was closed a long time ago ( many years ). My wife called Barclays and they informed her that XXXX sent Barclays our information. We did not receive any notifications from XXXX that our personal information ( tied to a closed account ) was transferred to another bank, nor did we approve it. The credit card account was opened without our consent or knowledge. 
I called XXXX bank to inquire why our personal information ( names, XXXX, address, ... ) was shared with another bank and the account was opened without our knowledge, the banks employees I spoke with ( XXXX with customer service and XXXX with the fraud department ) couldn't provide an answer and were not able to help. The phone call with XXXX took place on XX/XX/2022 at XXXX XXXX until XXXX XXXX when it got disconnected by XXXX. 
Not only these banks opened an unsolicited account, they went as far as collecting our updated personal information ( such as my changed first name and new home address ). 
What XXXX and/or Barclays did is fraudulent and needs to be addressed accordingly by the authorities to stop this from happening again.

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: LDF Holdings, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out three payday loans one from Lendumo one from XXXX XXXXXXXX XXXX  XXXX XXXX.Im struggling to make my payments each month and also paying my other bills.These loans are putting me in debt I wouldnt have considered a payday but I was desperate.I was getting rejected everywhere else but the payday loans where very easy to get approved for.My pension is XXXX XXXX a month and my payday loans are over XXXX XXXX a month.I live in New York where I found out payday loans are illegal.l took out a payday loan from Lendumo in XXXX of this year for XXXX and I have to pay back XXXX XXXX  I borrowed XXXX dollars from XXXX XXXX and have to pay back XXXX and from XXXX XXXX I borrowed XXXX dollars and have to pay back XXXX dollars my payment is XXXX a month for 12 months. I borrowed in XX/XX/2022. Lendumo I pay XXXX a month and XXXX XXXX a month these loans will be paid off in XXXX.Be honest with you I did use my old XXXX XXXX address to get the loan but I read XXXX is illegal too.I do have a valid New York drivers license and Bank account Looking for relief thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
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 noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

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

Complaint:
I have been part of the cybersecurity leak that affected Equifax from XXXX to XXXX XXXX. I am only being informed now, in XXXX of XXXX of the fact that my information has been floating around as part of this comprehensive hack on their databases. This is unacceptable as no information was ever given to Equifax consumers by Equifax regarding the breach. 

As a result of this breach I may be vulnerable to fraud, identity theft, unauthorized use of my credit and finances, among other life-changing things. This has caused me much stress, anxiety,  and undue hardship due to the constant thinking about having my identity stolen and the taking steps, without the help of Equifax, to attempt to minimize damage and remedy the situation. For a company that is worth well over {$3.00} billion, it is absurd that they can not protect consumer information.

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

Complaint:
On XXXX XXXX, 2017 Equifax exposed my sensitive financial information via a data breach on their servers. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers, Equifax said. Upon learning of the breach i used Equifax 's own website www.equifaxsecurity2017.com to verify I was a victim.

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

Complaint:
I was involved in the Equifax Data breach in 2017. I have already received calls from various potential lenders trying to follow up on my recent credit application, which was n't submitted by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Experian Information Solutions 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 noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

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 2017-06-30
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
My bill pay check was not dated until XX/XX/XXXX, but the funds were made unavailable by the bank. As soon as I find out, I called the bank at XXXX on X/XX/17. He placed me on a long hold, telling me that he would try to cancel the bill pay and make the funds available. After a few minutes, he said he or his manager would call back. I never heard back from anyone. I then called the bank at my lunch, and they informed me they would not make the funds available. They essentially told me they could do whatever they wanted and did n't have to respect my wishes to cancel the transaction I feel this is constitutes deceptive and unfair business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-25
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I had the following chat with PayPal 's incompetent robot chat feature this morning at XXXX. It clearly doesn't understand that XXXX is past XXXX when the humans should have awakened from their slumber and taken back over from the robot overlords. 


Put me through to a representative or I will file a CFPB complaint. 

XXXX XXXX XXXX our agents are currently offline. Please try again during business hours. 


They will return on XX/XX/XXXX, at XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: GA
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 have adequate data security to protect my personal information, as well as the personal information of 143 million other Americans. They further jeopardized our financial security by failing to inform us of the recent data breach, which occurred between XX/XX/XXXX and XX/XX/XXXX, until XX/XX/XXXX. Equifax enjoys an effective monopoly on credit reporting along with XXXX and XXXX but that should not be allowed to continue if they can not ensure the security of the sensitive data on the consumers they report on.

Company response to consumer: Closed with explanation
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:
Equifax had been hacked and I, being a customer who was trying to avoid my identity from being stolen, had my information stolen.

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

Complaint:
Equifax reports that my information was part of a security breach. I 've had some sketchy emails that are coming through my spam filter lately asking for some personal information could be used for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
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 FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVE YET TO RECEIVE ANY INVESTIGATION RESULTS 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: 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:
" 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: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax indicated to me today ( XX/XX/2017 ) that my personal data may have been breached in a cyber attack against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: CITIBANK, N.A.
State: IL
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 mortgage with Citimortgage issued in XXXX which I refinanced with them in XXXX. At the time, I had just come out of a Chapter XXXX bankruptcy. The mortgage was reaffirmed and paid directly. The account had never been late. At no time was it included in the Chapter XXXX plan, nor could it have been, given that the law does not allow secured debt to be discharged in bankruptcy. A mortgagor should know that. 

When I refinanced in XX/XX/XXXX, Citimortgage paid the XXXX mortgage off when it closed on the refi. Given that they were the originator of both mortgages, there shouldn't have been any question that the status of the XXXX was anything other than " closed, paid or paying as agreed '' ; nonetheless, Citimortgage reported to all three credit bureaus that it was " included or discharged in Chapter XXXX. '' I contacted Citimortgage to ask for a correction in XX/XX/XXXX, and they confirmed the error and stated that it would be corrected within 30 days as required by FCRA. This did not happen. 

I applied for a new mortgage in XXXX, XXXX and learned that the information was never corrected. I then filed disputes with all three credit bureaus. They corrected the information with XXXX and changed the status to Closed, " paid or paying as agreed, '' and stated that they were correcting my record with XXXX and XXXX. 

In late XXXX, XXXX I discovered that the information had never been corrected with XXXX or XXXX so I contacted Citimortgage again, demanding that it be corrected within 30 days or I would file suit under FCRA. They sent a letter on XX/XX/XXXX again confirming that the information was inaccurate and would be corrected. It has now been 30 days and nothing has been reported to the credit bureaus. 

As Citimortgage clearly has no intent of correcting the information they were required to report more than one year ago, government action is needed. Please open a file and demand that the information be corrected immediately. I will separately be pursuing a suit under FCRA, but I would appreciate it if you could have the information corrected in the interim.

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 2021-06-09
Company: GUARANTEED RATE INC.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have an FHA XXXX loan with XXXX  which is being serviced through Guaranteed Rate. 

Due to either negligence ( or outright fraud ) by the HUD consultant assigned to my project by Guaranteed Rate, the bank approved and allowed release of approximately {$63000.00} of my project escrow funds to the contractor which he then took and did not use on my project. The funds were released for project funding categories that the HUD consultant said work was completed, or that materials were ordered, where this was not the case. The HUD consultant also signed off on work where the contractor has caused damage to the structure of the house that now needs repair and for work that was done incorrectly and has to be redone and repaired. This has left my escrow account with inadequate funding to complete the needed renovations and repairs for my project. 

Thus far, Guaranteed Rate has told me I was just have to try and complete my renovation with the remaining project funds which is unacceptable. My house is just sitting now in danger of vandalism ( you name it XXXX and my project has lingered now for over a year ( closed on XX/XX/XXXX ). Ive been paying the mortgage now for over a year for a house I cant live in which is emotionally and financially draining. 

I filed a complaint with HUD earlier this year in XXXX and they have completed their review and came to the conclusion that the bank is fully responsible for both the mishandling of the escrow funds as well as the HUD consultant. I got a response from HUD on XX/XX/XXXX that stated they were sending a directive to XXXX telling them they are responsible for the mishandling of the escrow funds ( and the consultant ) and that they need to determine to next steps and to comply immediately. Ive not heard anything or been offered any assistance and resolution as of today from the bank or Guaranteed Rate regarding this directive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio, charged my Chime Bank card, {$520.00}, for unauthorized repair to my vehicle. I immediately contacted my bank Chime to stop the transaction, I had to waite 3 days then file a Merchant Despite for unauthorized work done to my vehicle. 
I COMPLETELY followed every step with all receipt, phone records and a copy of another Automobile shops papers of what was actually wrong with my vehicle. 
As of today XX/XX/2022 a Chime Despite Respenstive will not reopen my claim to reverse the transaction for Unauthorized Automobile Repair, that In the State of Ohio is a law that protects the consumer. Chime Bank will not acknowledge or follow the rules that are in place where Chimes account holder resides and where the Unauthorized Repair has taken place. 
Today XX/XX/2022 at about XXXX XXXX I spoke with Chimes Desput Respenstive asking to reopen my claim ( # XXXX ) again because I was standing my ground on this Transaction. And I have faithfully Disputed this claim with Chime Bank from day one .The Respenstive refused to let me reopen the Desput claim and when asked why Chime Bank was not following the laws where there consumer lives he resisted FCC Bank Rules. 
And I said exactly!!!! Every Bank, credit card company would stand behind there customer when a law has been broken in the consumers State of residence. 
I am at a complete loss over how a BANK can allow a Company to keep my money for a unauthorized repair when I submitted 150 % proof that I never told XXXX XXXX to do anything to my vehicle but informed me of what the problem is. Along with the Law In Ohio, on Automobile Repairs, and Chime said oh well like it was there {$520.00} dollars. WHAT GOOD IS A LAW THAT PROTECTS YOUR RIGHTS IF ANY COMPANY CAN IGNORE THE LAW. 
IF THE REPAIR SHOP WOULD OF TOLD ME IN ADVANCE WHAT WAS THE ISSUE WAS THIS WOULD NOT OF EVER BEEN A ISSUE WITH CHIME AND MY MONEY, BUT THE UNAUTHORIZED REPAIR WAS NOT EVEN WHAT WAS WRONG WITH MY VEHICLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: AL
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 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: Problem with fraud alerts or security freezes

Complaint:
I am writing to expose the misconduct and unexplainable behaviors of Equifax. Both my wife and I had are personal information compromised over a month ago and are just learning about this security breach in early XXXX. This is unacceptable and has put our livelihood and safety at stake. I sincerely hope strong actions are taken against this reprehensible organization and its officers. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NJ
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 was negligent and allowed the leak of my personal information ( such as birthday, SSN, address, and more ) to an unknown amount of people. They waited weeks before alerting me that my info may have been leaked, and they did not take the necessary precautionary measures to prevent something like this from happening.

Company response to consumer: Closed with explanation