BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I am listed as one of the potential victims of the Equifax breach. I was a victim of identity theft, several years ago, and have used this product with the assumption that I will never have to live through the nightmare of identity theft again. I am very concerned that the product is no longer effective. I am even more concerned that this is effecting children, whose parents, guardians, or foster care service providers have placed a freeze on those children 's credit. A breach of these kids ' identities could go unnoticed for years, without anyone knowing about it, and their credit could be ruined. I am also disgusted to hear that shareholders in the company had warnings that customers did not. This type of behavior by a corporation should not go unpunished, especially when people 's lives can be utterly ruined by identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: AL
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 recently noticed several accounts and inquiries on my Experian credit report that does not belong to me. 

XXXX XXXX XXXX ... Account Number : XXXX XXXX XXXX XXXX Bank XXXX XXXX Account Number : XXXXXX/XX/XXXX Bank XXXX XXXX ... Account Number : XXXX XX/XX/XXXX Bank /XX/XX/XXXX XXXX Account XXXX : XXXX XXXX Bank / XXXX XXXX Account XXXX XXXX XXXX Dept of ED /XX/XX/XXXX ... Account Number : XXXX Dept of ED / XX/XX/XXXXE ... Account Number : XXXX Dept of ED / XX/XX/XXXX... Account Number : XXXX Dept of ED / XX/XX/XXXXE ... Account Number : XXXX Dept of ED / XX/XX/XXXX ... Account Number : XXXX Dept of ED / XX/XX/XXXX ... Account Number : XXXX Dept of ED / XX/XX/XXXX.. Account Number : XXXX Dept of ED / XX/XX/XXXX. Account Number : XXXX Dept of ED / XX/XX/XXXX ... Account Number : XXXX Dept of ED / XX/XX/XXXX ... Account Number : XXXX Dept of ED / XX/XX/XXXXE ... Account Number : XXXX Dept of ED / XX/XX/XXXX ... Account Number : XXXX Dept of ED /XX/XX/XXXX ... Account Number : XXXX I noticed unauthorized inquiries on my credit report. Someone else applied using my name. According to the FCRA ( Fair Credit Reporting Act ) these unverified and unauthorized inquiries must be deleted : XXXX XX/XX/XXXX XXXX XXXX Unauthorized Inquiry XX/XX/2021 XX/XX/XXXX Unauthorized Inquiry 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
Consumer complaint received 2022-06-19
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XX/XX/XXXX Account # XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XX/XX/XXXX XXXX XXXXDate of inquiry XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX XX/XX/XX/XX/XXXX of inquiry : XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Experian XXXX XXXX NA Date of inquiry : XX/XX/XXXX Experian XX/XX/XXXXT XXXX XXXX  XXXX XXXX of inquiry : XX/XX/XXXX Experian XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Experian Date of inquiry : XX/XX/XXXX Experian XXXX OF XXXX Date of inquiry : XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX Experian XXXX XXXX Date of inquiry : XX/XX/XXXX Experian XX/XX/XXXXDate of XXXX : XX/XX/XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXX/XX/XXXXr XX/XX/XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/MILESTODate of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XX/XX/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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I defaulted on an XXXX credit card with a balance of {$6800.00}. The matter was turned over to Transworld for collection. ( I selected the items on this site that best described my issue but it was not an exact match ). Transworld first garnished my military retirement for 6 months in XX/XX/XXXX. I can not find records of this. They then garnished my wages from my employer XXXX XXXX in XX/XX/XXXXthrough XX/XX/XXXX. I have evidence of this in my attachments. I started a new job in XX/XX/XXXXand in XX/XX/XXXXTransworld garnished my wages from XXXX XXXXXXXX XXXX and are still presently doing so. In XXXX of this year Transworld garnished my XXXX XXXX  once again and are now garnishing both my work wages and my retirement, leaving me no disposable income. All my earnings go to obligations with very little exception. I am attaching the last statement I received from XXXX which shows just last month they collected {$830.00} from me. 
I have spoken with Transworld on several occasions and they will tell me nothing, simply refer me to XXXX. XXXX told me in XXXX of this year that they show no record of collections from me until XX/XX/XXXX. I am attaching summaries from XXXX that show a garnishment in XX/XX/XXXX and XX/XX/XXXX. XXXX only started sending me statements this year after I complained to them. The original billing from XX/XX/XXXX was for {$7900.00}. In XX/XX/XXXX, they stated my debt was then over {$13000.00}. In XX/XX/XXXX, the debt was still listed as over {$13000.00}. The statements finally started showing a decrease in the debt. I am not sure what I can do to prove all the garnishments but I hope I provide evidence of enough to show that Transworld collected a substantial amount from me without forwarding all they collected to XXXX. XXXX offered me no solace. i was told that they were a government agency and they could do what ever they want and they claim they gave me chance to negotiate. I did receive a notice of this but when I inquired they would not set up any payment agreement. Any assistance you can offer will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Home Point Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Problem 1 : We had just gotten the escrow tax line corrected with Home Point ( HPF ) earlier this year in XXXX after 3 emails and multiple phone calls to HPF and with the transfer of servicing by HPF to XXXX XXXX in XXXX, the XXXX isd tax line has been set up twice again. HPF has one line set up correctly and a second duplicate line that needs to be deleted. I called 2 weeks ago and requested correction but it is still there. This is further pain since HPF double paid my school taxes XX/XX/XXXX and it took them 3 months to refund the money back to my escrow account and delete the duplicate tax line and now here we go again with the same error showing up after the transfer! I have emailed HPF and called and spoken with both HPF and XXXX XXXX team members trying to resolve this post transfer error. 

Problem 2 : I switched insurance from XX/XX/XXXX to XXXX XX/XX/XXXX and I provided HPF with a fully paid 12 month policy from XXXX as did XXXX. I had paid XXXX for the full amount for a 12 month policy from my checking account when i bought the policy in XX/XX/XXXX effective XX/XX/XXXX. Now HPF has paid XXXX another full 12 months premium on XX/XX/XXXX from my escrow account that was not needed/due. 

My 3 requests : 1 ) Put the $ back into my escrow account HPF paid out to XXXX that was not due. 

2 ) remove the XXXX isd duplicate tax line from my escrow account. 

3 ) run a new escrow analysis after these 2 corrections above have been made and then lower my monthly mortgage payment before XX/XX/XXXX payment is due. 

My mortgage payment should be almost {$150.00} per month lower than HPF is charging me due to over escrow on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX, California issued a mandatory stay at home orders for COVID 19 in XX/XX/XXXX until XX/XX/XXXX- and my employer went out of business because of it - in turn - I was late on a few credit card payments with my XXXX XXXX credit card. I am asking these late pays be removed due to this pandemic and its damaging my credit.

Company response to consumer: Closed with explanation
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 fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, I initiated a credit freeze on the EquiFax web site, given the recent data breach at this company, in order to protect myself. 

I paid {$5.00} that was charged for this service ( which is part 1 of my complaint : given the XXXX data breach, this fee needs to be waived ). 

The confirmation page on the web site ( see attached PDF ) makes loud reference to having to print with an " Adobe Print '' button. On my screen there is just a large empty square with no buttons visible. The PDF is an exact replica of my screen. The Terms mentions no requirements, warnings, or remedy avenues. 

Presumably, this page should show a PIN which will be needed to temporarily suspend or modify the security freeze. Right now, the service I paid for is incomplete. 

I searched extensively for a way to contact EquiFax to clarify this matter. The only phone information on the web site was for Business Customers, or for people to order a credit report ( through an automated system ). The ( Business ) phone number I called disconnected me without comment. 

The other two credit report companies ( each of which also charge {$5.00}, which I believe EquiFax should pay ) at least offered emailed copies of the PIN information, so there was not a single point of failure as with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a letter from chase bank that they are closing all my accounts with them based on " my connection to a publicly reported financial investigation '' They say they will close my XXXX  accounts with them on XX/XX/XXXX. 
on XX/XX/XXXX i was arrested and charged with a XXXX XXXX XXXX XXXX XXXX. This False charge was completely dismissed on XX/XX/XXXX. 

This also triggered a XXXX XXXX XXXX XXXX XXXX  on my business which resulted in a " minor administrative error '' and was closed out when the Federal Investigator saw that our records were perfect. My case number was XXXX the investigator was XXXX XXXX. Her phone number is XXXX. 

Since i can not speak to anyone at chase I want to give you all the facts that I can. If you need anymore backup please let me know. 

It is funny how dismissed accusations are never added to public records or the media. Both charges against me were dropped and now I'm getting dropped by my bank that I have all my bill pay with and my sons account tied to it for so many years. 

I have been with chase bank for at least 30 years and when I called to speak with someone about this they said the decision was made and there is no one to talk to and it can not be reversed. 

I really wish public records printed the results of investigations. 

please see all attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX, California issued a mandatory stay at home orders for COVID 19 in XX/XX/XXXX until XX/XX/XXXX- and my employer went out of business because of it - in turn - I was late on a few credit card payments with my XXXX  XXXX credit card. I am asking these late pays be removed due to this pandemic and its damaging my credit.

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: 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 announced that they were a victim of a data breach on XXXX XXXX, XXXX. Do note that the breach appears to have occurred from XXXX XXXX to XXXX XXXX. Equifax is offering TrustID enrollment to me until some time in XXXX. It has also been reported that accepting the TrustID enrollment may remove your legal options towards the company. While Equifax is equally a victim, they are ultimately responsible for keeping my information safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: 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 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 2017-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The XXXX & TransUnion processes for putting in place a credit freeze are unreasonably and extraordinarily difficult, even as compared to the other credit reporting services. 

In light of the recent data breach at XXXX, I am in the process of trying to put in place credit freezes at all of the credit reporting companies. I tried the TransUnion and XXXX online processes yesterday on XX/XX/XXXX. Both of them are very complex and the identity verification procedures are nearly impossible. The processes are clearly designed to discourage security freezes. 

I 'd be willing to bet that it 's easier for a third party to request my credit or for a wrongdoer to apply for credit with my stolen identity than it is for me to take the basic precaution of freezing my credit. 

I have been directed by XXXX that I can only submit for a freeze in writing and have to provide copies of identity documents and utility bills. 

TransUnion says I have to call them, but they are not open on weekends and the phone lines are impossible clogged during the week. 

I 'm trying to help my spouse and my aged parents in this process. Their procedures make it impossible. Furthermore, I ca n't figure out if there even is a process ( however bad ) to do the same for my minor children. 

By way of comparison, the online process for a freeze at XXXX and XXXX  was relatively quick and painless ( at least for me and my spouse and parents, have not yet tried for my minor children ). 

I am outraged by the security breach at XXXX. I am outraged at their lack of even the most basic cybersecurity processes. I am outraged at this whole situation. Their XXXX XXXX processes for putting in place credit freezes is just the icing on this anti-consumer cake. 

I would very much appreciate you holding these folks to account publicly. The first priority would be getting them to streamline the process for credit freezes, then I would hope to see civil and criminal prosecutions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is an issue with XXXX XXXXXXXX XXXX XXXXXXXX Credit Card. 

I signed up for a promo that gave me one year to pay off purchases interest free. 

I use the online banking interface to manage my account. Nowhere in the online banking interface did they give me access to the exact dates and amounts that needed to be paid off. 

I've repeatedly asked them to send me a summary of how they applied my monthly payments, but they will not. 

I've accrued over {$1000.00} in interest charges this past month, even though I've paid enough to pay off the promo charges, but they won't provide the details of why they are charging me the interest. I've repeatedly spoken to managers/supervisors and they are rude and unhelpful. 

I am definitely going to cancel my card forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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