BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: CA
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:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES and or bankruptcy from my credit report immediately.

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 2018-08-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I HAVE ALIMONY CHECKS FROM XXXX XXXX  XXXX THROUGH ADP WRITTEN ON CHASE BANK. I WENT TO XXXX XXXX- XXXX XXXX CA BRANCH OF CHASE ON XXXX XXXX MONDAY XXXX-18 I WAS AT THE COUNTER WITH A TELLER SAID IT IS {$8.00} TO CASH A CHECK IS THAT OK- WELL NO IT IS NOT OK BUT WHAT CHOICE SO I HAVE THAT IS WHAT YOU SAY THE PROCEEDURE IS -- I CASHED 3 ALIMONY CHECKS ALL THE SAME TYPE OF INSTRUMENT OF ADP THROUGH XXXX {$500.00} WRITTEN ON THE CHASE BANK PAPER - I WAS NEVER OFFERED OR GIVEN A RECIEPT FOR THIS TRANSACTION - I CALLED THE BANK XXXX -18 XXXX XXXX  ISH A BOUT THIS ISSUE I WAS TOLD THAT IT WAS NORMAL NO RECEIPT IS GIVEN FOR THAT TYPE OF CHECK CASHING- I CALLED CHASE BANK CUSTOMER SERVICE WHO SAID NO THIS IS NOT NORMAL AND THAT A RECIEPT SOULD BE GIVEN WITH EVERY TRANSACTION- AND THEY WOULD CHECK ON IT BUT IN NO WAY WOULD THEY TAKE MY NAME & ADDRESS AND ADDRESS THE ISSUE FOR ME OF MY TRANSACTION- I ASKED FOR THE FEDERAL REGULATOR OF THE CHASE BANK AND THE EMPLOYEE -XXXX  XXXX REFUSED. ON LINE I WAS REFERRED FURTHER BY TELEPHONE HERE TO FILL OUT A FORMAL REPORT OF THE BANK FRAUD I WAS VICIM OF. 
XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Case Notification Case Closed Dear XXXX XXXX : Your request with Case ID - XXXX is now complete. 

Today 's Date : XX/XX/2020 Account : BANK OF AMERICA TRAVEL REWARDS VISA PLATINUM PLUS ending in XXXX Result of your case : Unable to complete as requested -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I opened up a credit card with Bank of America and had no online access for the duration of the account being open. Subsequently, I was unable to pay online and paid in person in cash at a bank branch. Because the technology was weak, I was unable to get this paid off unless it was in person. Subsequently, my account was shut down without any notice or email. I requested them to fund at the very minimum my fees, and they closed any request.

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: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am among those who had data stolen in the Equifax hack. My name, address, credit, and social security are becoming public data as I type this, and I and many others will now have to take strong preventative measures to protect myself from identity theft. This is what happens when you let for-profit companies handle sensitive government data. Disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WI
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 me 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. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WI
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:
To whom it may concern : Equifax mishandled my personal information as well as 143 million others. To make matters worse, Equifax did not attempt to contact me about the security breach ; rather, I found out from the news that I should check my impact status myself.
I just found out from their website ( https : //www.equifaxsecurity2017.com/potential-impact/ ) that " Based on the information provided, we [ Equifax ] believe that your personal information may have been impacted by this incident. '' This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: SC
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 have several inquiries that were not obtained with my knowledge or permission. I tried to get the credit bureau to look into it after I received a letter from the company I called the company who stated it was a soft pull and should not have shown on my report and referred me to the credit bureau. Dates were XX/XX/2022 and XX/XX/2022 by XXXX XXXX  Also 2 more inquiries came from Experian XXXX. 
There are 8 plus collections on my report as well They state they are open but are in collections with a collection agency. I have exhausted all avenues with the credit bureaus but they ignore me and report they are correct after 3 days. I have several names and addresses, credit accounts etc that are not mine. I am a victim of identity theft and the credit bureaus are not helpingXXXX is refusing to give me a report of any kind. The others are not truly investigating.

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 2022-02-08
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was compromised and cleaned out XX/XX/22. I have been in constant contact with XXXX XXXX  to rectify the problem. I have been hung up on and placed on hold until the call disconnects multiple times with no answers as to whats going on with my account. I can not pay any bills because of this and they will not provide any information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Io, Inc.
State: PA
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 Receivables management systems 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 2022-07-11
Company: Exeter Finance Corp.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Purchased a vehicle from XXXX. Upon acceptance, Exeter Finance took the loan. After completion of the loan, and receiving documents after possession of the car, it is clear that they manipulated the credit score and created a predatory loan. I contacted Exeter directly and spoke with someone in finance, who told me they took my score which was well over XXXX, and would entitled me to a different lender or apr, and averaged it with my co-signer, which is completely deceitful, as we were told that having a co-signer the loan is based on primary. had they disclosed this " average '' score, which in fact is deceitful and illegal, we would have removed said co-signer as they were just on loan to establish credit. Exeter is now refusing to adjust loan and wants me to return car and reapply which then would add further inquiries and decrease score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Portnoy Schneck, L.L.C.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2022 I had a title search done to identify any outstanding debts that I might have.This debt did show up on the report but I did not recognize it as mine, and there was no address to indicate that it might be me.I never have or would have accumulated that large a debt. My lawyer sent a signed affidavit that said I had no known responsibility of this debt to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
My personal information was hacked from the Equifax system and was discovered in XXXX and we were just notified of it as of XXXX XXXX. They spent over a month knowing this information and not letting us know. It is a HUGE risk for millions of Americans including myself and I am very worried.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not owe debt as claimed by a XXXX XXXX collection agency. I have spoken to agent who has agreed to remove this debt. However, I have had recurring of debt being removed but re-reported numerous times into my credit files.

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: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 just contacted Capital One Auto Finance and spoke with representative XXXX ID # XXXX and was then transferred to XXXX # ID RNI regarding inaccurate information being furnished to my credit report. Capital One Auto Finance reported a 30 day late payment for the month of XX/XX/2022 which is incorrect, and also a violation of my federally protected consumer rights. The violations under this consumer credit transaction are clearly present, the LAW states transactions between the consumer, ME ( XXXX XXXX ), and the person, YOU ( Capital One Auto Finance ) making the report is not included on my consumer report. A late payment is transactional history, my HISTORY with your company. Congress clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience on my consumer report which CONGRESS clearly states IS NOT included on my consumer reports. I also asked XXXX if he knew what the definition of finance charge was and he stated he could not give me legal advise. I am unsure how that question constituted as giving legal advise. I explained to XXXX that the definition of finance charge is the SUM of all charges, so how could I be late if the finance charge is the SUM of all charges? This would constitute as a billing error. I am aware and well informed of my consumer rights, and I understand that the accounts receivable are due to investors and that I gave securities during this transaction and the interest and proceeds which have accrued on the account should of paid for the transaction otherwise there has been no valuable consideration given. I am aware that my SSN belongs to the Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 USC 8.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Experian Information Solutions Inc.
State: WI
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, Experian experienced a security breach and according to their reports, I was a victim of this breach. I 've had to add credit freezes to my account at each of the 3 major credit reporters ( Experian, XXXX, and XXXX ) because of this breach. My state requires that I have to pay a {$10.00} fee to each to of these companies, so I 'm paying good money and will have to deal with these freezes in the future because of Experian 's neglect.

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: 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 experienced a cyber attack in which people 's social security numbers, names, addresses, credit card info were compromised. I enquired if I was one of those people and was directed to their website to determine if indeed I was. It confirmed that I was indeed one of those people. 
They offered to monitor my credit for free for a year. I would be losing my ability to easily hold them accountable and to have them rectify the situation by signing their agreement. Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: ALLY FINANCIAL INC.
State: TX
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:
A complaint was filed on XXXX  under for not updating my credit report to show Ally is paid in full. Their response back the you ( CFPB ) that the account was updated. A complaint was filed on Ally with you ( CFPB ) for not posting my payoff check to my account to reflect a {$0.00} balance since XX/XX/2021 and also failure to report the closed account to all 3 credit bureaus. Ally finally updated the account to {$0.00} balance recently but did not report my account is paid in full to XXXX. The account is still open showing a balance of {$22000.00} and is being counted as part of the debt ratio, credit and/or from receiving a low interest rate. Although have a letter stating the account is closed, this is not acceptable with some banks when trying to obtain a credit. Per XXXX, the account has to show {$0.00} balance on the credit report. Ive asked numerous of times for this problem to be resolved with XXXX  and with Ally. XXXX will not allow me to file another dispute or call in to file a dispute regarding Ally. Ive provided the complaint # s that was filed with you ( CFPB ) to show their response back stating the issue is resolved ( which is incorrect ). 
Here are the complaint # s : # 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: UT
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:
All of my personal information has been potentially compromised in the recent breach of Equifax. I feel threatened and unsafe. I am having to implement more security measures than I ever thought I would need.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: OR
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 became aware of a significant security breach at Equifax. I checked the potential impact that my information was included in the breach at the https : //trustedidpremier.com/eligibility/eligibility.html site. It reported " Based on the information provided, we believe that your personal information may have been impacted by this incident. ". The site offered me enrollment in the TrustedID Premier credit monitoring service. I clicked the enroll button and was informed I can not enroll until XXXX/XXXX/XXXX. Due to this, I was forced to apply for a 90-day fraud alert.

Company response to consumer: Closed with explanation