BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-25
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I XXXX XXXX contacted Equifax through mail numerous times throughout the year to validate a debt ( charge off ) from XXXX XXXX pursuant to 15 USC 1692g of the FDCPA. To be honest its kind of hard to even tell the exact date due to the fact I have various inconsistencies of the date opened throughout all 3 credit reporting agencies attached below which is a violation of the FCRA & defamation of character. There are also inconsistencies of the " Date Last Active '' highlighted below. 

Equifax has also been made aware that they have violated Federal law pursuant 15 U.S.C. 1681a ( 3 ) -Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
-Pay attention to the key word assumed, I, the natural person, consumer and original credit, XXXX XXXX XXXX never gave Equifax the right, written consent, to report such negative information. No consent is identity theft. This is Defamation of Character & Equifax must have respect for the consumers right to privacy. 

Fact, I XXXX XXXX am aware and has proof that Equifax has violated Federal law pursuant 15 U.S.C. 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, the natural person, consumer and original credit, XXXX XXXX, never gave Equifax the right to report such negative information. No consent is identity theft. This is Defamation of Character & Equifax must have respect for the consumers right to privacy.

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: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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: 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:
Yesterday, XXXX XXXX of 2017, I received word from public news that Equifax was hit with a security breach that has affected 147 Million citizens. I have put myself on fraud alert. I have done an annual report and have saved those reports.
I attempted to check with Equifax if I am certainly one out of 147 million compromised by going to their TrustedID Premiere. Entered my information ( last 6 of social and last name ), and it says " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' This is asking me to enroll in a service just to see if I was affected or not. From what others on social media are saying, there was a clause that would prevent myself from taking a class action lawsuit if I continued. 

I also saw based on their FAQ their would be no waiver of rights for enrollment due to the security breach. Unfortunately, the seed is planted, and I find it discomforting that I may be doing my self more harm that good just to get peace of mind. 

I understand the gravitas in this breach and mass number in accounts compromised. However, based on news of this breach, I only feel these actions made from Equifax, placing roadblocks on getting the answers I 'm seeking, has only made things harder for myself and my family in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
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:
I SENT THE INVESTIGATION LETTER ON XX/XX/2022 INACCURATE AMOUNT. ACCOUNT NUMBERS XXXX XXXX  AC # XXXX AC # XXXX XXXX AND XXXX # XXXX EQUIFAX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

I WAS NOT NOTIFIED OF IT IN THE FIVE DAYS. VIOLATION ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: PR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I open on XX/XX/2021 a RMA. This mortgage assistance was approved by the relationship XXXX XXXX XXXX. I want the approval of XXXX XXXX XXXX. I have him recorded on all the calls confirming that the RMA FOR {$100000.00} was approved. They dont respond for the offer and their service is poor. I need the assistance honored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX / XXXX / {$7100.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$11000.00} XXXX XXXX / XXXX / {$0.00} XXXX XXXXXXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-07-05
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Unverifiable no data information CXXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted 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 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''

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 2017-10-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an Account with XXXX XXXX. My credit report reflects that a 30 day late payment has been reported for XXXX and XXXX XXXX. This is incorrect. I contacted XXXX who concurs that my account has never been late. They informed me that they could not send me a letter but I would need to dispute directly with the credit bureaus since they do not see me in their systems as every having been paid late. I have disputed with all three credit bureaus with no success. I am in the process of applying for a mortgage and this incorrect reporting is penalizing me. Please 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 2018-08-31
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Back on XX/XX/XXXX I received an XXXX Scholarship thru XXXX XXXX for {$1000.00} and since I graduated already I wanted it to be applied to be student loans. I called my lender at the time and made sure that it would be applied to me loans. I was told over the phone that as long as it was received by the financial institution that it would be applied to my principal. I received confirmation back on XX/XX/XXXX thru a phone call from XXXX that it was received by my lender. I continued making payments like I normally do all XX/XX/XXXX, XX/XX/XXXX, and then XX/XX/XXXX comes. Mohela tells me thru a call that they received a {$1000.00} credit on my account and I am paid to far ahead and payments need to stop. I didn't not want to stop my payments. I NEVER missed a payment. I was confused and told them it was a mistake and I didn't make a {$1000.00} payment on my account. Then they said it was from XX/XX/XXXX. I laughed at them and said they had to be joking. I explained above and they said they couldn't do anything about it. They didn't tell me anything about collecting interest daily on my account. When they sent me the following months bill that was due under total interest due it even said {$0.00}. I had not knowledge that anything was due nor did I have an amount to send them. They are the ones to tell me that I was paid to far ahead from XX/XX/XXXX-XX/XX/XXXX which is ridiculous in the first place. Then when my payments finally started coming out of my bank again after about 6 months again I paid closer attention to my student loans then I did before. In the past it said on my statement the total due was XXXX and now my total due changed and it says XXXX. So I called Mohela and asked them about my total due and they gave me some strange answer that makes no sense to me because in the end they said I still owe XXXX even though my billing statements say XXXX?! I also started to notice that after 4 to 5 months after repaying my loan after this happened all my payments were going strictly to interest only. Nothing was applied on principal for almost 1 year. I was calling and messaging them and complaining and I kept getting the same answers. There was nothing more they could do and that I was paid ahead. 1 year of XXXXmo payments for applying a {$1000.00} scholarship to my loan back in XX/XX/XXXX!! Its not worth it. I was better off not taking the scholarship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Paypal Holdings, Inc
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I am not sure what is going on, Venmo is saying I went against their user agreement but I have no idea what actions I took to cause them to deactivate my account! I have reached out several time to get my remaining balance from them and ask them what I can do and Im not getting a solid answer on what needs to be done

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
XX/XX/XXXX - Using a Capital One credit card, I bought an airline ticket for travel abroad through XXXX for {$310.00}. Purchased " priority customer support '' because the airline I was booking through has only XXXX language customer service and I needed English language customer service. 

XX/XX/XXXX - Called XXXX for customer service to help change the date of travel. After being hung up on twice, the representative told me that XXXX could not help and that I needed to speak with the airline directly. This was impossible because I do not speak XXXX and I never would have bought the ticket but for the promise of " priority customer support. '' I never used the ariline ticket and I told the XXXX representative that I would be unable to use the ticket. She did not care to help. 

XX/XX/XXXX- Capital One sent me a letter saying that my dispute was denied but inviting me to send additional information in support of my dispute. 

XX/XX/XXXX - I sent additional information to Capital One explaining how I was promised a service that was never provided to me and how I never would have bought the airline ticket through XXXX  but for that promise of " priority customer support. '' XX/XX/XXXX- Capital One notified me that it had not received the additional information needed and that it was therefore charging me for the service that I never received.

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 allowed my information to be stolen, failed to give timely notification, and worst of all are wanting me to sign up for credit monitoring owned by them with a credit card so they can start charging me on year two if I forget to notify them properly. They al so are not notifying people of XXXX and birth dates are stolen only credit cards

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an Account with XXXX XXXX. My credit report reflects that a 30 day late payment has been reported for XXXX and XXXX XXXX. This is incorrect. I contacted XXXX who concurs that my account has never been late. They informed me that they could not send me a letter but I would need to dispute directly with the credit bureaus since they do not see me in their systems as every having been paid late. I have disputed with all three credit bureaus with no success. I am in the process of applying for a mortgage and this incorrect reporting is penalizing me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: FL
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 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. 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 2022-02-08
Company: Cornerstone Home Lending Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXXXXXX XXXX has engaged in a patern and practice of making false claims in response to notices of error. 

* With regard to a large principal payment I submitted at the end of 2021, XXXX XXXX XXXX failed to timely process the payment and delayed application of the principal amount for ~20 days ( while continuing to charge interest on the principal balance ). I filed a complaint with the Texas Deparment of Savings and Mortgage Lending. Resolution was negotiaed between myself, the regulator, and XXXX. XXXX acknowledged to the regulator over the phone that an error had occured and mailed me a {$50.00} gift card to compensate me for their error. However, despite acknowledging error to the regulator and providing me compensation to offset the error, XXXX later sent a letter dated XX/XX/XXXX FALSELY stating " no service errors occured. '' *More recently, XXXX XXXX XXXX missaplied funds included with a XXXX XXXX month end payment. I sent a notice or errors and XXXX  re-applied the funds. But, again FALSELY stated that " no service error occured. '' More specifically, XXXX falsely alleged that no payment instructions were included on the payment coupon ( there were in fact payment instructions indicated on the payment coupon ). But, more importantly XXXX failed to provide any copy of the payment coupon upon which thier determination that no error occured was based. Per 12 CFR 1026.36 ( e ) ( 4 ), XXXX has a duty to provide the borrower copies of documents used to reach a determination that no error occured. XXXX has not complied with this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: IN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2017-09-09
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:
Alerted on XXXX XXXX that my personal information could have been affected by the Equifax data breach.

Company response to consumer: Closed with explanation