BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My personal and credit profile information were obtained as part of the XXXX XXXX breach of the Equifax database. This was verified on the Equifax website today, XXXX XXXX, XXXX. This is extremely disconcerting and as an individual who spent the last 18 months rebuilding my credit, very frustrating. The delay in letting customers know of the breach is also unacceptable. 

I do not know what impact this has had, or will have on my credit, but I was hoping to purchase my first home next year. Should my identify be used fraudulently, I ca n't imagine what impact this could have on plans for my family or future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I owe XXXX in the amount of {$4800.00}, Id tried settling my account in 2021 because Im suffering from XXXX XXXX XXXX XXXX XXXX unfortunately XXXX refuses to Settle my account. Eventually I had forgotten about it.XXXX forwarded my account to a collection agency without sending a notice first of their intentions. The collections agency sent a letter to my neighbor address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX with my name on it, my correct address is XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, California XXXX. The collections agency is in a violation of privacy act. This had cause me tremendous XXXX XXXX because

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection amount of {$3800.00} has shown in my credit report when I reviewed my annual credit report with XXXX. The collection was from Diversified Consultant ( XXXX ) with the original creditor is XXXX. I'm confident that I've had an account with XXXX. I contacted both Diversified Consultant and XXXX but the issue was not resolve. I would like to ask for the support from Consumer Financial Protection Bureau as this issue will negatively affect my financial credit. 

Also, additional information, this is a repeat issue. It happened to me in XX/XX/2016. I called XXXX to report the issue and I never heard back from them. At that time, i thought it was resolve because it hasn't shown up in my account or I've never back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a new chase account after dealing with an incredible hardship last year. I had been with Chase prior to this for 12 years. I was in a scam marriage and had to end up filing bankruptcy. I recently called chase to find out if I was eligible to reopen. Someone from the charge off department and the banker themselves told me I was able to so I opened one. They walked me through how to perform an external transfer which I did. Now {$4800.00} is in that account, and as soon as the transfer went through, they restricted everything on my account and said they decided to close it. I have {$4.00} to my name. Rent was due XX/XX/XXXX. I have late penalties, and it could be 14 days or longer to close my account and then they have to mail me a check. I will have incurred XXXX in late penalties and a negative impact on my credit report saying I missed a payment which I have never done with rent. They can take their time on closing it and getting my check which is truly scary. When I call in they keep me on hold for 30 mins to 1 hour. Or they answer and sit in silence for a long time until I finally hang up. They also hang up regularly on me and refuse to tell me anything about what happened to my account. My roommates money is also in there that she paid for rent. I do not know where to go from here but this is not a good situation. I have XXXX locked away that I can not access until they decide an appropriate time to send my money to me has passed. Meanwhile I live in LA, have XXXX dollars to my name and have not paid rent. I trusted them when they told me exactly what to do to get the account up and running and now I am left at the will of a bank. It seems shady they told me what to do to send all my money over only to lock me out of my account and leave me XXXX. I need this resolved ASAP because I can't afford XXXX a week in late penalties when I have XXXX dollars in my name. I have also not paid my electric or car payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
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:
After the " Equifax Hack '' on XXXX/XXXX/XXXX, I checked XXXX website and this has me on the list of potentially affected accounts. To protect myself and others I decided that filing a complaint was the best course of action. My credit has a direct impact on my future and any breaches in the security can affect future applications for credit cards and loans for cars or houses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

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. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.
They should begin to rectify this heinous breach by making credit freezing free and refunding everyone who paid for it following this data breach. 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, regardless of their " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received letters from Citizens bank with a credit debit card and giving me information on the new accounts I opened. I did not open any accounts. I called the company they will have their fraud department contact me and they closed the accounts.

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

Complaint:
Equifax had a security breach and my personal information was compromised and is likely publicly available and waiting around for someone to attempt identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2021 XXXX XXXX XXXX reported an incorrect/innacurate late payment on my consumer report, I notified this consumer reporting agency on multiple occasions about the fact that this information was a breach of my individual privacy and that it was incorrect. 

On XX/XX/2021 I sent out a written notice by certified mail to XXXX, XXXX XXXX Equifax which was received on XX/XX/2021 by all three reporting agencies XXXX tracking : XXXX XXXX Tracking : XXXX Equifax Tracking : XXXX The consumer reporting agencies ignored my dispute and when I contacted them via phone call they mislead me into believing that my disputes were never received, after the 30 day period I proceeded to submit another dispute through certified mail to XXXX, XXXX XXXX Equifax in which they then proceeded to provide me with an automated response through their eoscar system which stating that the information was verified. Once I responded by asking them to provide me with the investigation results and documentation I was denied and sent a false and deceptive for which doesn't provide any actual or factual information just a statement from XXXX XXXX. 

I have been disrespected, violated and ignored and I can not take this anymore as these reporting agencies have ignored my right to a reasonable investigation. 15 USC 1681i states they have 30 days to investigate or remove the inaccurate information in which they took over 120 days to respond with a frivolous response. They have willfully 1681n and negligently 1681o non complied with federal procedures and I have been suffering due to their elaborate mechanism. 

For the third time I have submitted my disputes and when I called they told me that my letters are not in their system yet the tracking information states that they were received. 

XXXX XXXX : XXXX Equifax tracking : XXXX XXXX : XXXX XXXX XXXX XXXX Tracking : XXXX Attached are the letters that were sent as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Pacific Union Financial, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have requested that a new escrow analysis to be completed due to the fact that my real estate taxes ahave been reduced, due to a homestead exemption credit. I faxed over a copy of my new tax bill on XX/XX/2019, and Pacific Union paid my new lower tax bill amount of {$2200.00} dollars per half on XX/XX/2019. Previously my taxes were {$2700.00} per half and I have received over {$1000.00} tax credit per year. My recent tax bill reflects both the new half year amount of {$2200.00} and {$4400.00} per year. However Pacific Union refuses to lower my mortgage payments to reflect the new tax amount, and they are also charging me a shortage of {$170.00} per month, however my escrow account is not short and has a surplus currently in the account. I have called several times and faxed in documentation to prove the new amounts. However Pacific Union still refuses to lower the mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/2021 XXXX XXXX Bank reported an incorrect/innacurate late payment on my consumer report, I notified this consumer reporting agency on multiple occasions about the fact that this information was a breach of my individual privacy and that it was incorrect. 

On XX/XX/2021 I sent out a written notice by certified mail to Experian, XXXX XXXX XXXX which was received on XX/XX/2021 by all three reporting agencies XXXX tracking : 9XXXX Experian Tracking : XXXX XXXX Tracking : XXXX The consumer reporting agencies ignored my dispute and when I contacted them via phone call they mislead me into believing that my disputes were never received, after the 30 day period I proceeded to submit another dispute through certified mail to Experian, XXXX XXXX XXXX in which they then proceeded to provide me with an automated response through their eoscar system which stating that the information was verified. Once I responded by asking them to provide me with the investigation results and documentation I was denied and sent a false and deceptive for which doesn't provide any actual or factual information just a statement from XXXX XXXX. 

I have been disrespected, violated and ignored and I can not take this anymore as these reporting agencies have ignored my right to a reasonable investigation. 15 USC 1681i states they have 30 days to investigate or remove the inaccurate information in which they took over 120 days to respond with a frivolous response. They have willfully 1681n and negligently 1681o non complied with federal procedures and I have been suffering due to their elaborate mechanism. 

For the third time I have submitted my disputes and when I called they told me that my letters are not in their system yet the tracking information states that they were received. 

XXXX tracking : XXXX XXXX tracking : XXXX Experian : XXXX XXXX XXXX XXXX  Tracking : XXXX Attached are the letters that were sent as proof.

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 2019-11-26
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: Account status incorrect

Complaint:
I have student loans on my credit reports from Experian, XXXX, and XXXX  that are listed 3 different ways and being duplicated. One one platform they show paid 100 % and closed and on another platform they show collections. They are not in collections and have be either paid in full to creditor XXXX  or is currently in full repayment by a graduated loan to the Dept of Ed/XXXX. The loans are listed as XXXX  XXXX XXXX  , Dept of ED, and US Dept of ED. ( also as US Dept of Ed/XXXX/XXXX, Dept of ED/XXXX/XXXX  ) I have worked out a spreadsheet that shows the loans, the dates they were opened and the amount to cross reference how they are all listed differently across platforms. They are not in collections and stem back as far as XXXX. I have a letter from XXXX where I have satisfied a loan amount with them for an offered settlement of over {$40000.00}. I am currently paying XXXX/Dept of Ed for a loan over {$35000.00}. So my debt is taken care of. I have disputed these and they are not budging to remove them from my report. It is significantly affecting my life and the ability to get something as small as a car loan. I would like this removed as they are extremely old and the information is not correct. I have tried taking care of it myself with no luck. XXXX  seems to be the only platform working to remove any negative information but XXXX  and Experian are not. I do not understand how a loan can be marked as paid 100 %, pays as agreed, or Paid and closed on one platform but another shows it as not paid and in collections. This information is inaccurate. The loans run from XXXX-XXXX. Closed dates are from 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 non-monetary relief
Consumer complaint received 2022-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have money in my Michigan bank of America unemployment account and bank of America refuses to let me have access to my account balance

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 2022-02-10
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: 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 inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called midland funding in regards to this they asked me for account information I told them I didnt have any I just saw this on my XXXX XXXX XXXX its why Im cslling they asked me for my social security name is not mine yet my social security was used they wont tell me anything cause they cant confirm identity. But yet its affecing me because its my social security number and Im stuck. How can I clear my name if they refuse to help me its not my account or my name. How ever my social security was stolen by this person to open an account I dont even know what it is or where I need my name cleared XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2020-07-03
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have account with wells fargo for almost 20 years. suddenly i got a letter that Bank is going to terminate the business relationship. first they said it will be only wells trade investment accounts then they close my banking accounts without giving sufficient time. I am not able to do any deposit on my account and they said it will be closed in 30 days.my tax refunds are supposed to come to this account and all my bill pay are through this account

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 2022-02-10
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I owe Target in the amount of {$4800.00}, Id tried settling my account in 2021 because Im suffering from XXXX XXXXXXXX long haul illnesses unfortunately Target refuses to Settle my account. Eventually I had forgotten about it.Target forwarded my account to a collection agency without sending a notice first of their intentions. The collections agency sent a letter to my neighbor address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, California XXXX with my name on it, my correct address is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, California XXXX. The collections agency is in a violation of privacy act. This had cause me tremendous emotional distress because

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: Consumer Adjustment Company Incorporated
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im a victim of identity theft that has been ongoing for several years. I submitted my ID theft report and police report via disputing with credit bureau. The company refuses to remove the account. I have never been seen by a physician in XXXX Florida. Also, I have health insurance through Medicare and Medicaid. If I had been seen by a physician, I wouldnt owe a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed this account with the company and bureaus on : XX/XX/2020 and XX/XX/2020. I have asked removed this from my credit bureaus due to this is an result from identity theft. They have removed the account from 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 2022-07-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's 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, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to XXXX 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation