BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-10
Company: Experian Information Solutions 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:
in accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXXl Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX Account XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX US Dept of EDXXXX Account # XXXX US Dept of EDXXXX 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 an 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 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
in accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX-Retail Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX Card Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX, Account XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX of XXXX Account # XXXX US Dept of EDXXXX 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 an 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 2022-10-03
Company: Upgrade, 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: Credit inquiries on your report that you don't recognize

Complaint:
I had sent an email to Upgrade requesting information today XX/XX/XXXX very early in the morning when I couldnt sleep. I stated that I am interested or want to apply for their Card with Rewards but wanted to know if they did a soft pull or hard pull on your credit report and then if it was a soft pull would it be a hard pull once I actually applied. The first email they sent explained that I recently checked rates on a partners site but that they couldnt provide me with a loan because. Well the first listed too many requests and my credit report doesnt list any hard pulls so they must be talking about soft pulls which doesnt effect my credit score. I never applied for the actual card and so I called them and they even have an old address listed so this mornings denial was using an old application and I did not approve of. I know soft pulls dont hurt credit but this seems to have hurt my chances with them and in fact another reason was too many revolving accounts and too high of balance on those accounts. When I called he also said I must have applied because they wouldnt do that with an email. But they did and then AFTER the call at XXXX they sent the email actually responding to my email. So I know in fact they put through an inquiry without my permission and 1- I never fully filled and hit accept on any application with them today ; 2- it was incorrect information regarding accounts I currently have ; 3- wrong address which I know I wouldnt have typed in ; 4- I want no inquires if possible unless I know I will for sure get it now that I know soft pulls can also be seen. I have now locked my credit report ( as of tomorrow ) but dont want you not to have access so I this is an official dispute with Upgrade and they wouldnt even listen or inquire why or how this application supposedly appended so I am writing to you. Thank you.

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: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am potentially impacted by the Equifax hack. As a XXXX person with a high credit score, this could cripple my future. 

I am highly displeased that their " solution '' involves opting out of a class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
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:
last XXXX I've sent a letter about those accounts that were fraudulently used without my permission. and It results to have a low credit score which stresses me so much. I felt so embarrassed and In need of help to resolve this issue. I already contacted credit bureaus and furnisher it almost 30 days now but no response yet.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On XX/XX/22 an unauthorized person. used my ssn and tried to open a XXXX  credit card. 

I reported the fraudulent transaction to XXXX  and trans union. 

XXXX did not open the credit card and trans union advised me to report the incident to the federal trade commission.

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: 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:
I became aware of a security breach at Equifax via a news item that popped up on my XXXX. Using the tool on their website, it indicated that my personal information has been compromised by the cyber security hack that occurred at their company. I am in fear of becoming a victim of identity theft given the amount of personal data of mine that has now been compromised. 

This complaint is two-fold. 1 ). I never authorized Equifax or any credit bureaus to collect and hold this data about me. 2 ). If they are going to hold onto this personal information in this digital age, and that information is of paramount importance in our modern society from a financial standpoint, it must be protected with the utmost care and security. Apparently Equifax does not care about the security of the personal data they have amassed about me without my consent. 

Lastly, but not least importantly, having read various news reports, I find it HIGHLY suspicious that executives at Equifax had reportedly been aware of this breach for months, and then sold millions of dollars worth of stock just before this news became public.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX/XXXX/XXXX there were 3 fraudulent transactions made on my account at 3 different locations. 1 ) {$220.00} XXXX XXXX XXXX XXXX, Ca 2 ) {$40.00} XXXX XXXX XXXX, Ca which I was reimbursed for. 3 ) {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX, Ca. I logged onto my Bank of America mobile account on XXXX/XXXX/XXXX and contacted fraud claims immediately. I was then reimbursed within the next couple days for all charges. 1 month later 2 of the reimbursements were reversed stating it was not fraud. Ive contacted Bank of America multiple times at requesting information regarding the charges and Ive been getting tge run around for going on 6 months now. They claim I needed a police report so I tried filing one but police dept wanted evidence in which Bank of America failed to send. I was at work on the clock at work the days the transactions were made with no possible way of me making these purchases. I dont understand how one charge was found as fraud but the other 2 were not when they were made within minutes.

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 2019-07-30
Company: WELLS FARGO & COMPANY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Ordered a drone through XXXX on XX/XX/XXXX for {$2600.00} and when the package arrived, the box was empty. I promptly notified XXXX and was instructed to return the empty boxes, which I did. When they received the boxes they stated the boxes were empty, to which I reminded them that it arrived empty. They said that their seller refused to issue a refund and that XXXX would process some kind of A-Z guarantee, but now they say it is my problem. 

Long and short, I did not receive what I ordered and paid for, XXXX states a refund is approved but has never been issued, therefore I would like to place this item in dispute and request you refund my money. 

Notified Wells Fargo on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to no avail, which is why I am filing a complaint with you.

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: Maximus Education, LLC dba Aidvantage
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
AidVantage denied my federal loan refund which is authorized by the CARES Act -- On XX/XX/XXXX, I called AidVantage to request a refund of the federal loan payments I made during the pandemic, but according to AidVantage, my request has been denied by the Department of Education. I requested funds that I paid from XX/XX/XXXX- XX/XX/XXXX in the amount of {$5700.00}. AidVantage did not provide me with a clear explanation for the denial, and to date, I have not received my refund as promised despite multiple phone calls with AidVantage representatives. 

The AidVantage representative I spoke with on XX/XX/XXXX initiated my refund request without an issue, and per her guidance, I called again on XX/XX/XXXX to check the status. On XX/XX/XXXX, I was informed that the Department of Treasury was approving my refund and I should expect to see the funds in my checking account within XXXX weeks. However, I still hadn't received my funds. I called AidVantage again on XX/XX/XXXX ( spoke with XXXX ) and was informed that " my request did not go through the Department of Education. '' XXXX told me that refund amounts about {$3000.00} need additional approval and somehow my request was denied, although she could not relay the issue to me. Her explanations were rather vague. XXXX said she escalated my case for reconsideration. 

A bit of background - I continued to pay my loan payments throughout the entire pandemic, XX/XX/XXXX- XX/XX/XXXX, despite not being required to make payments. 
I wanted to take advantage of XXXX interest ; however, given the continued payments extensions, a need for my money, and uncertainty from a political perspective about student loans, I requested a refund. Also, I have a perfect history of paying my federal student loans on time since summer XXXX, so I do not understand why AidVantage is holding up my refund. 

I'm afraid that AidVantage is imposing their own rules for requested loan refunds, particularly for the extra approval hoops required for refunds above {$3000.00}. I am unaware that the CARES Act set any upper bound for loan amounts. I understood that any payments, despite the amount, are eligible for a refund. Additionally, AidVantage has not provided me with any written documentation/confirmation of initiating the refund which is also a concern since there is a lack of a paper trail.

Thank you in advance for your assistance! I hope that other folks are not in my situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Affected by Equifax XXXX incident on XXXX XXXX, XXXX according to Equifax potential impact site.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This is probably the 5th complaint about the same issue regarding Bank of America and their unfair business practices.

1. They are not investigating disputes. I disputed several XXXX  charges and they initially credited my account, but then they reversed the credit saying that the business never responded. No response from XXXX  does not validate the charges. I have 3 disputed XXXX  charges for rides that I did not take.

2. These charges have caused my account to become overdrawn and then the Bank charged me overdraft fees. My concern is that they will close my account as they did my savings account and make a negative report to the credit bureau. I don't care if the account is closed, but I want these issues addressed first.

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 2021-08-24
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian has had my credit report locked since XX/XX/XXXX. I have called several times including XX/XX/XXXX. The representative told me that someone else name was attached to my credit profile and I needed to send my SS Card, ID, and proof of address via email. I sent that XX/XX/XXXX. I still haven't seen any progress so I called back XX/XX/XXXX and was given the run around.

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: Experian Information Solutions Inc.
State: MO
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:
Hello, Experian has mishandled the personally identifiable information, including name, addresses, Social Security Number,  and more, of myself and millions of other people. According to XXXX XXXX XXXX XXXX XXXXXXXX ), this was caused because of a vulnerability in XXXX XXXX, though it 's unclear if this was caused by a vulnerability discovered in XXXX or XXXX. If this mishandling of PII was caused by a vulnerability discovered in XXXX, this data breach exhibits an extremely unacceptable level of adherence to modern security practices. If this was the result of a vulnerability found in XXXX, while Experian was using the product of a vendor, they have still a lapse in security practices by not adequately penetration testing their services or checking for data scrubbing/data injection. 

Experian has made no attempt to directly contact me, even though they have effectively disclosed information required for me to be a victim of identity fraud. Their credit monitoring service, XXXX, is only offered for a small period of time even though I 'm subject to be a victim for identity theft for as long as my name and SSN are used as identity verification methods. Additionally, this breach is reportedly months hold, having been discovered in late XXXX, meaning my PII has been publicly disclosed for months now before Experian notified anyone of the breach. Top executives at the company sold millions worth of shares days after the breach was discovered by the company ( https : XXXX ), though they claim they knew nothing of the breach, which is even more concerning ; how could the company 's top executives not know about the largest security breach of the decade? 

My propensity for being a victim of identity fraud is now permanent. I would like to see Experian offer free credit freezing without a police report and free credit monitoring for the rest of my life. I would like to see Experian actively test their systems in the future for vulnerabilities, and notify consumers directly when they could be potentially impacted.

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 2021-08-24
Company: EZ Loans, Inc.
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I notified the manager of the store location where the loan was obtained on XX/XX/21 via email that I could not receive personal phone calls at work. They then still called my work phone on XX/XX/21, so I reminded them again I was not allowed to receive calls at work. On XX/XX/21 they called my work phone again and I again reminded them not to call me at work. I received another phone call today ( XX/XX/21 ) despite numerous emails telling them I could get in trouble for receiving personal phone calls at work that they responded to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, So my venmo account got frozen and then they un froze it for only 1 or 2 days, I sent a XXXX dollar payment to my sister, and then they approved a bunch of disputes I started as soon as they got approved my account got frozen again and now im unable to access XXXX dollars which is a huge amount of money to me and i have a XXXX coming up and need this money to cover my bills while im out of work for 2 months, they said they closed it due to a dispute i had against me and my account when i made them aware i was not the one that accepted that money in the first place so they went and deactivated my account and said in an email i might not even get my money back, is it my fault someone decided they wanted their money back because they needed cash in their pockets as they probably spent their rent money on something else and needed to make up for it, venmo approved a number of disputes before this and said nothing to me even though i chatted with them and emailed them saying dont appove them these people are obviously scamming me, example one guy sent 3 payments and wants to dispute all 3 saying he didn't mean to send them, ok how do you not mean to send 3 payments and of course venmo took that money right out of my account, with all their approved disputes im out over XXXX dollars at the moment and yes these are all friends who did this and in venmo terms and service it says for friends and families only so i stuck with the terms of services i believe im being treated unfairly in this situation and would like my XXXX dollars to be released immediately so i can move on from this situation and be able to pay my bills while im out of work., Thank you sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My wife had XXXX  surgery. After insurance payment and discounts, the remaining balance was {$340.00}. The bill was outstanding as we awaited additional insurance information. The remaining balance was paid on XX/XX/2020. Mountain Land Collections Inc. had sent a collection notice to the wrong address. On XX/XX/2020, I received a call from Mountain Land Collections Inc. wherein they obtained an updated address. During the call, I informed them that the remaining balance was paid on XX/XX/2020. I then forwarded them an e-mailed copy of the receipt showing payment on XX/XX/2020. Later that week, I received a new invoice dated XX/XX/2020, to my updated address claiming the debt was still due and owing. This was sent the day after proof of payment was sent to Mountain Land Collections Inc. I phoned to the physician 's office on whose behalf Mountain Land Collections Inc. was allegedly acting, and they confirmed that no outstanding amount was owed. The physician 's office also e-mailed me notes that Mountain Land Collections Inc. inquired about the bill with the physician 's office on XX/XX/2020, and were told the balance was paid. Thus, Mountain Land Collections Inc. verified that the amount was paid and no balance was due and owing, yet they opted to send an invoice for collection to me regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
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: Personal information incorrect

Complaint:
The following name and addresses are reported incorrectly on my credit report and are putting me at risk for identity theft or a credit merge. Incorrect Names : XXXX XXXX XXXX XXXX XXXX 2 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA 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 non-monetary relief