BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX The customer service line would not assist me in removing these hard inquiries.

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: ND
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 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. On top of this, when I attempted to put an alert on my account ( ca n't freeze it, since I just today applied for a new job ), I was told that there was an error with my records and it could n't be done. 
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 2022-02-07
Company: EAST WEST BANK
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XX/XX/2021, I was had found a car online for a company name XXXXXXXX XXXX XXXX. This company has sent me all the information for the vehicle, as well as videos of such, the title and their business information. They had a dealer license and everything seemed legitimate. The East West Bank was the bank they provided me with for the money transfer to pay for the vehicle and its delivery. This bank account was a business account. To be able to open a business account you have to have all your business paperwork. So I assumed this was a legitimate business. I sent XXXX dollars to this account and I was scammed. The dealership was a fraud and the bank refuses to provide more information. This bank gave them a platform to steal from me. The police cant seem to do anything. I have lost XXXX and no one is responsible. I do not understand how a bank can be a route for such actions and open business accounts to fake businesses.

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 2017-09-13
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:
Currently, under Texas state law, one must pay a {$10.00} fee to either freeze or lift a freeze on a credit file. 

Given the massive breach we have seen at Equifax, freezing a credit file seems to be a reasonable short-term solution to prevent fraudulent credit accounts being opened. However, this exercise would cost a person at least {$30.00} to do so in Texas. In addition, were one required to lift this freeze for a genuine reason such as a credit application or a employment screening, one would have to pay an additional {$10.00} to {$30.00} to do so ; followed by a freeze again ; which again costs money. 

As a taxpayer, I 'm outraged that I have to pay such arbitrary fees. In addition, the freeze process takes 5 business days while the lift freeze process takes 3 business days.
In today 's technological age, there should be no reason why the credit reporting companies can not make the freeze/lift freeze option both instantaneous and free. The cost of the technical changes to be made will be minuscule compared to the revenue being earned by these companies. The fee is purely a money-grab and an abhorrent practice. As a consumer, I should have control over my credit information and the right to keep it private.
I urge the CFPB to enforce a code requiring credit freeze/lift be made available for free and instantaneous. In the absence of CFPB being unable to enforce such a code, I urge it to recommend to Congress that such a law be passed at the federal level. The benefits of this to consumers will be enormous.

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

Complaint:
Earlier this year Equifax was affected by a hack which affected the personal information of 143 million people. Equifax says my data was likely part of the information that was stolen. This exposes me to the likelihood of identity theft in the future through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home loan was transferred to Rushmore Loan Management Services, LLC on XX/XX/2018 from XXXX XXXX XXXX. XXXX XXXX XXXX stopped collecting from me on XX/XX/2018. Rushmore date to start collecting from me was on XX/XX/2018. 
I am filing a complaint against Rushmore Loan Management Services, LLC because Rushmore gave me a Rushmore Pre-Welcome Letter dated XX/XX/2018. And then in XX/XX/2018 I received a Rushmore Welcome Letter dated XX/XX/2018 with a Substitute Form XXXX to fill out in which I knew the original XXXX Form was already filled out in the loan file. 
The Rushmore Pre-Welcome Letter means that Rushmore started collecting for my loan on its computer system two months in advance of XX/XX/2018. With this Pre-Welcome Letter dated XX/XX/2018 Rushmore gave me a computer generated interim payment coupon listing Rushmore loan #, due date XX/XX/2018, payment amount {$550.00} with my name and address and Rushmore address for sending in the payment. I cross out Rushmore loan # the due date XX/XX/2018 and put my prior XXXX XXXX XXXX loan # with due date of XX/XX/18. I also cross out the scan information at the bottom of the coupon leaving the amount at the end of the scan {$550.00}. 
A recoverable Advances Account was already established in Rushmore loan # by Rushmore collecting from XX/XX/2018 due date on Rushmore computer system for no payment and XX/XX/2018 due date for no payment on Rushmore computer system. And Rushmore knew XX/XX/2018 and XX/XX/2018 was being collected by XXXX XXXX  XXXX for the time before XX/XX/2018 is the time that XXXX XXXX  XXXX collect from me. 
My loan # with XXXX XXXX XXXX has an escrow account in it. XXXX XXXX XXXX verified on letter dated XX/XX/18 to me that XX/XX/18 payment was paid on XX/XX/2018 before service release and XX/XX/2018 was paid on XX/XX/2018 before service release. Rushmore received XX/XX/2018 payment directly from me in which Rushmore received it by certified mail on XX/XX/18 but Rushmore listed it as being received on XX/XX/2018. I have the certified note from the computer. 
My payments is broken down into principal, interest, and escrow each month in Rushmore loan #. But I can not see the escrow account balance each month but I see a recoverable advances balance that was established by Rushmore collecting before XX/XX/2018. And I have not received the Escrow statement that Rushmore is to give me within 45 days of established Rushmore loan #. And also the courtesy period by law in my loan which is 15 days after the first of the month is not observed on these mortgage statements that I have received from Rushmore Loan Management Services, LLC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Global Lending Services LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Pursuant to 15 U.S. Code 1635 ( a ) as I was never told I had 3 days to rescind the agreement nor was I given the notices that come along with all consumer credit transactions ; 2. Furthermore, you GLOBAL LENDING failed to clearly & conspicuously disclose my right to rescind ; 3. I XXXX XXXX XXXX participated in a consumer credit transaction and not a loan Pursuant to 15 U.S. CODE 1602 ( i ) ; 4. Take further notice that Pursuant to 15 U.S. Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law ; 5. You also asked for a down payment of {$1000.00} violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction ; 6. Pursuant to 15 U.S. Code 1611 ( 1 ) ( 3 ) you can be fined up to {$5000.00} for giving false, inaccurate, and fails to provide information which he is required to disclose and in this case you GLOBAL LENDING willfully did when you failed to disclose and provide all information clearly to me a consumer. 

7. Notice that Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission I am not liable for any finance charge, security interest, etc. becomes void effective immediately.

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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to Equifax. The breach lasted from mid-XX/XX/XXXX through XX/XX/XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. I have already been a victim of identify theft from XXXX XXXX, This has to stop, Equifax provided a sign up for credit monitoring but it turns out they have legal language absolving them from class action suites which is unacceptable. Equifax must provide monitoring, a 1 year fraud alert with all credit bureaus that is easy to renew.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: LA
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 complaint is related to Equifax 's data breach. My personal information has been exposed and they failed to exercise even the most basic of due diligence by failing to notify me. I was unaware of the problem until I heard about it in the media. I have confirmed with them that my data has been exposed but have not agreed to their arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Experian Information Solutions Inc.
State: TN
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 PULLED MY CREDIT REPORT. I CANT BELIEVE WHAT I SAW. I HAVE STUDENT LOANS AND IVE NVER ATTENDED COLLEGE. THIS IS HURTING MY PRFILE TREMENDOUSLY. THIS IS A VIOLATION OF MY RIGHTS. THESE ACCOUNTS ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS. I ALSO HAVE A MEDICAL BILL FOR MEDICAL SERVICES I NEVER RECIEVED. PLEASE HELP ME FIND A SOLUTION TO REMVE THESE ACCOUNTS FRM MY PRFILE.

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

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 2022-02-07
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I mailed off dispute letters to Experian, XXXX, and XXXX on XX/XX/XXXX to dispute collection accounts that are being inaccurately reported on my credit report. It has been more than 30 days and I still have no updates on my disputes and these inaccurate reports are still being reported on my credit report. These bureaus are not reporting or responding to disputes in a timely manner. These accounts need to be removed from 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 non-monetary relief
Consumer complaint received 2018-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Some of my personal information is incorrect and needs to be corrected. I was a victim of fraud and still living the nightmare.

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 2017-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
these companies was not authorize to pull 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 2017-10-17
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have several inquiries on my account that I do not recognize. I got an email yesterday stating there was a hard inquiry to my account from XXXX XXXX XXXX done for a credit limit increase. As a consumer it is already difficult reading through fine print and credit jargon that comes with credit. XXXX XXXX XXXX makes it difficult to identify if credit limit increases will result in a hard inquiry or not. XXXX XXXX XXXX is known to display promotional banners on their website for eligible credit limit increases to credit worthy candidates that abruptly appear. When I applied for a credit limit increase I thought that was the case, and they pulled my credit history without my knowledge. They need to provide more emphasis whether or not their products will need a hard or soft inquiry. More transparency is needed. The not so knowledgeable credit seekers are the real victims here to at times misleading credit card issuers. I read there was an inquiry issue with XXXX during that year, XXXX, it may or not be related. The XXXX breach was what made me check my credit history. I have found these inquires that I dont remember applying for. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX Experian : XXXX XXXX XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX I have tried calling but I do not have the power to influence them. In this day and age of hackers, auto logins for websites, scams, identity theft, and even family identity theft the public is at the mercy to these 3 giant credit bureaus.

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 2017-09-08
Company: EQUIFAX, INC.
State: TN
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 found out that Equifax allowed for my personal identification information to be stolen. I have tried to place an alert on my account but they say they are unable to do this.

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: 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: MA
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 XX/XX/XXXX, I found out about the data breach on EquiFax. They had a website to check if you were a potential victim of the data breach. By using their provided website, I found it I was listed as a potential victim. EquiFax then offered a year free of credit monitoring if I agreed on XX/XX/XXXX ( A date they assigned to start the enrollment for this service ) and opt out of any lawsuit that came from this. I will be withholding my enrollment as this is a unfair and truly disgusting way to approach a major issue by EquiFax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
2. I was the primary cardholder of a Citi Diamond Preferred Card ending in XXXX ( hereinafter the card ). 
3. The only other user of the card is my son XXXX who had a card bearing his name with the identical card number. 
4. In late XX/XX/XXXX and early XX/XX/XXXX, I received a bill from Citi Cards for charges placed on the card which were not made by me or by anyone I authorized. 
5. I reviewed these unauthorized charges with my son XXXX XXXX and he informed me that he did not charge the items nor did he give anyone permission to charge those items. ( See attached affidavit of XXXX XXXX ) 6. The charges totaled thousands of dollars and were at stores I never shopped at and in neighborhoods I did not frequent. 
7. I called Citi Card on several occasions to dispute the aforementioned unauthorized charges.
8. I spoke to Citi representatives on several occasions, each time indicating to them which charges I disputed.
9. Never during the period in question did any representative of Citi Card call me to ask me about potentially fraudulent charges to my account that appeared on their face to be of a suspicious nature.
10. The charges I disputed are attached hereto under the heading Billing Disputes and highlighted in pink.
11. In spite of the claim on my Citi Card bill that the items listed under Billing Disputes have been Resolved, Citi Card continues to bill me on a monthly basis for these unauthorized charges.
12. Furthermore, upon information and belief, Citi Card caused collection agents to send collection letters to my home address for charges that I do not owe after I told Citi Card on several occasions that I do not owe these charges.
13. Upon information and belief, Citi Cards persistence in collecting a debt not owed by continuing to send me bills I do not owe and in causing collection agencies to send harassing letters to my home violates the federal Fair Debt Collection Practices Act ( see 15 U.S.C, 1692 ) and New Yorks Fair Debt Collection Practices Act Section 600.

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: MA
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 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.

Company response to consumer: Closed with explanation