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

Complaint:
According to the site Equifax set up to check if your information was exposed my was. They then offer a link to provide free monitoring and protection. When you click on the link they give you a date on which you will be allowed to apply for the protection. The date they offered me was XXXX, unfortunately on that date I will be on vacation in the middle of XXXX XXXXXXXX XXXX and do n't really have easy access to a computer, I also do n't want to deal with this on my vacation. When I call their " support '' number all you get is a referral to help page, which does not let you get to someone to switch the date. I asked to speak to a supervisor and was told they did not have one at call center. I feel that at a very minimum they should offer multiple dates more than one or two weeks apart for signup. Ideally since this is probably just going to be an application for coverage and protection, the form should be accepted anytime. In fact years ago when XXXX XXXX in XXXX XXXX was hacked they AUTOMATICALLY enrolled all exposed customers with this same protection for a period of a couple of years. Please see what you can do to make the process for enrollment more flexible or even better yet automatic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Investigation Request Letter To whom it may concern : I received a copy of my credit report with intention of trying to improve my credit and take care of my responsibilities and notice a few accounts that I wanted a little more explanation on. I am not saying that they are reporting right or wrong.I am just saying that I am not XXXX percent sure if they are.I also read something the fair Reporting credit report Act where it said by law I had the right to challenge anything i am not sure is accurate.some of people reporting things on me.I have never heard of which made me write to you all Are you familiar with something called 15 U.S.C. Sec.1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted.well, I want these accounts deleted if they are not XXXX percent right and correct.so, could you please check on these and get back to me? I saw on a credit Site and Board where this lawyer said you have 30 days to complete this investigation.Please investigate the following accounts and remove them if anything is missing or not correct on them. 
I demand The following accounts be verified or removed immediately In accordance with fair credit Reporting act XXXX  XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX  account # XXXX XXXX Account XXXX XXXX 15 U.S.C 1681section 602A. 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 account without my written instructions

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 2017-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX was recently hacked, losing the credit information of millions of Americans to hackers. They published a poorly encrypted website wherein one could check to determine whether their information was compromised. The link was http : //www.equifaxsecurity2017.com/. This link was widely disseminated on news websites, including prominent distributors such as the XXXX XXXX XXXX and XXXX. I accessed this website on XXXX/XXXX/2017 to determine if my data was compromised. The structuring of the site ultimately leads you to a link to click to check for potential compromise of your information. This then leads you to a page where you input your last name and the last six digits of your social security number. Apparently after entering this information, you are told if you are affected, not affected, or are told to come back on a later date. I received the message to return at a later date. Nowhere did it obviously ask me to opt in for any service or waive my right to sue thereby agreeing to arbitration. However, it appears they passively included this information in their terms, which seems to be a deceptive effort to trick consumers to waive their rights. This seems unacceptable to me for several reasons. 1 ) Equifax is at fault for failing to secure consumer credit information that they gather and archive without any assent or consent of the individual 2 ) They failed to disclose this information to consumers in a timely manner 3 ) They published a poorly-protected website seemingly to lure concerned consumers to check if their own data had been compromised rather than reaching out to share this information with affected parties 4 ) They buried a legal protective mechanism in this new site whereby consumers waived their right to sue in order to determine if the information gathered about them without their assent had been compromised. This mechanism was not actively brought to the attention of the consumer as they navigated the site.

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: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I only found out about Equifax 's hack from news sources and checking their site I see I was one of the affected with no one reaching out to let me know, even though the breach occurred weeks ago. The website then automatically enrolled me in their one year identity theft protection services without my consent at all! This identity theft service is incidentally owned by Equifax and as of XXXX XXXX their TOS includes a clause not allowing you to use a class-action lawsuit. My information was already stolen without anyone informing me and now I have been auto-enrolled in a service I do not want with a clause I do not agree to as I fully intend to legally engage Equifax over this. This whole situation has been handled terribly and the company has not attempted any legitimate recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Gatestone & Co. International Inc.
State: TX
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:
On XXXX/XXXX/XXXX, in the course of debt collection activities related to my account, Gatestone & Co. International Inc. ( the debt collector ) contacted a 3rd party via phone and violated the Fair Debt Collection Practices Act with the following actions : ( 1 ) The debt collector, without being requested to do so, voluntarily identified Gatestone Collection Company as his/her employer, a violation of 804.1, and ( 2 ) the debt collector stated that the purpose of the call was to collect a debt, a violation of 804.2, and ( 3 ) The debt collector, without my consent and without being requested to do so, voluntarily gave the 3rd party identifying information for my credit card account and the exact amount owing per the debt collectors records, a violation of 805b.

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 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I disputed 4 unknown inquiries through the FTC that were reporting on my Transunion report. In response, Transunion deleted al 4 of those inquiries and updated my report as of XX/XX/XXXX. Those inquiries were : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
TransUnion keeps illegally re-aging this account! Currently the date of last activity is XX/XX/2022. 

Also, TransUnion is listing this collection account as an open account, which is incorrect.

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 2021-08-27
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Received invitation in the mail to apply for the amex XXXX  card. Applied online where the terms mentioned you receive XXXX points after spending XXXX usd. I completed the spend, while meeting all terms and conditions but was told I will not be receiving the bonus points. I was told the offer was not attached to the account because I had closed an amex card before. The account I closed was after keeping for a year and wanting to switch to a business version of that card. 
That is not a valid reason according to the terms to deny a bonus, for a card that I applied for only for the bonus after I received personal mailer advertisements and online ones for the offer. I was not informed at any point that I will not be getting the points until I inquired myself after I got the card and spent the money based on their advertisement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I don't know that my problem falls under this exact category. 
My complaint is with Comenity Capital Bank - XXXX I was originally issued a credit limit of {$1000.00}. Admittedly, I got behind on payments. 
They lowered my credit limit to {$500.00}. I began making payments and got the account on stable footing. Despite consistent payments - {$480.00} between XXXX and XXXX - Comenity reran my credit - an existing customer - and lowered my credit limit In XXXX to just below my balance causing a negative hit to my credit rating as it now appears I am using more credit than I really am. 
I complained and was told they would reevaluate monthly.

This week I find they have again lowered my credit limit to just below my balance again unfairly causing a negative impact to my credit score.

They claim it is due to my credit score which from there own letter to me is nearly 100 pts higher than it was in XXXX only 3 mths ago. 

This is due to lack of activity on the account and has nothing to do with my credit or payments as I have paid them {$580.00} since XXXX on a card that now has a {$350.00} limit. 

This is simply not fair business practice. Why would you rerun credit on an existing customer who is NOT behind in payment? It just doesn't make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
i signed to experian boost for the week period for {$1.00}. was blocked from using account due to " somebody '' entering the wrong social security. this block resulted in going past trial period. so i was charged {$29.00} for an account i could not even use. 
i repeatedly emailed about how to add another account to " boost '' my score, no response. i call, get disconnected, over and over. automated line repeatedly ask for my ss #, connects me to agent who asks for it again. refuses to pass me to a supervisor repeatedly. next call more of the same except this time i am hung up on. they took my money and can't provide the service they offer. i am trying to cancel before they take another payment out. this really has me wondering if their reporting is accurate, if their customer service is this bad.

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 monetary relief
Consumer complaint received 2020-02-13
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2017-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
inaccurate information cra and hippa violation must remove them not 100 % correct

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 2020-02-13
Company: Experian Information Solutions Inc.
State: AR
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 was informed by my banker ( 20 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$31000.00} XXXX XXXX {$0.00} XXXX/XXXX   XXXX {$400.00} XXXX/XXXX  XXXX {$240.00}

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 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was informed by my banker ( 20 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$31000.00} XXXX XXXX {$0.00} XXXX/XXXX   XXXX {$400.00} XXXX/XXXX XXXX {$240.00}

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 2021-01-19
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
I paid merchant {$89.00} + {$99.00} for services that were cancelled due to COVID-19. The merchant sent out an e-mail explaining to customers that they could request a refund no questions asked. I accepted their offer and requested a refund total of {$180.00} for the cancelled services and was refunded. However, my account was charged by the merchant again unauthorized. I have contacted XXXX to dispute the charges and the merchant requesting refunds for this second set of charges. I have spoken to several XXXX customer service representatives and they reassure me that they see the mistake and that the merchant has recharged my account after processing a refund, they reassure me that I should see the full refund of {$180.00} in my next billing statement and it has not been processed after 11 months of countless disputes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-18
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX, XXXX I received a {$400.00} PayPal payment from XXXX XXXX who owed me {$20.00} at the time. He said he sent the wrong amount and asked I send him {$380.00} back but to a different PayPal account named XXXX XXXX. I did. 

Weeks later on XXXX XXXX, XXXX a {$400.00} charge appeared on my PayPal account from PayPal.  They said it was for the {$400.00} I received on XXXX XXXX, they wanted it back. I told them what happened and asked them to give me in writing what the charge was for. They have not given me anything in writing about the charges to this point so I could resolve this issue. 

Instead, they attempted to bully me by sending the issue to a collection agency, XXXX XXXX XXXX, XXXX contacted me about a {$400.00} debt to PayPal. I wrote the agency that I did not owe PayPal as the funds that were sent to me were guaranteed and the funds I sent out were also guaranteed by PayPal and they were to the same person. 

After reading PayPals warrantees, there is no grounds for them to try to bully {$400.00} from me for a transaction I did in good faith. Also, why did it take them 6-8 weeks to try and resolve an issue? That is bad business. 

I find that the money I received was guaranteed and if I gave it as a gift It could not be taken back from me, which is my position. I will not be bullied by PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-27
Company: SunTx Capital Partners
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:
Freedom truck finance Account was opened on XX/XX/XXXX As a joint account with me and my son. Not sure exactly the date it showed as a delinquen account on my credit report, but was Charge off and closed on XX/XX/XXXX. On XX/XX/XXXX freedom truck finance changed account number on loan and posted it back on my credit report showing account past due and delinquent. Submitted dispute with XXXX XXXX on XX/XX/XXXX and report returned as all information was verified as true and accurate.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-12
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Honda Financial Services had my vehicle XXXX XXXX XXXX repossessed on XX/XX/XXXX XXXX. I've spoken with one of the managers regarding a payoff quote XXXX XXXX on XX/XX/XXXX. His response was how are you going to pay it? I've sent several letters to XXXX and they are not working with me to sort out my request. I've made them aware of my situation being behind on payments and I was threatened that if I don't pay I will lose my vehicle. Pursuant 15 USC 1692a4 Honda was paid up front. Pursuant 15 USC 1681b ( 2 ) insurance is supposed to be included in my finance charges and I've been paying for insurance they should have provided. I cease and desist all communication and the loan. Pursuant 15 USC 1692 D ( 5 ) communication has been a violation on XXXX 's behalf. Calling me at inconvenient times whilst working is a federal offense. XXXX has hired another company XXXX XXXX to detain my vehicle which is against FEDERAL Law. XXXX is in violation of my rights by having my vehicle taken without my consent with a third party. As of XX/XX/XXXX there's still a positive balance of {$11000.00}. I'm a consumer and natural person with rights and I demand my vehicle be released as soon as possible. This has stopped me from taking my kids to school and getting to and from work. This has taken a toll on me mentally, physically, and emotionally. The contract that I was sent is null and void. Also, as per Truth in Lending Act specially states that I the consumer can cease and desist and also cancel this contract. That disclosure was not provided at sale and my contract was sold to a third party at the time of sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
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: Credit inquiries on your report that you don't recognize

Complaint:
FCRA credit unauthorized credit inquiries without my consent. I have a fraud alert on my credit report. I have not had any companies confirming if the inquires were legit. No companies have called me. 

- XX/XX/2020 XXXX  XXXX XXXX - XX/XX/2020 XXXX XXXX XXXX XXXX - XX/XX/2020 XXXX  XXXX XXXX - XX/XX/2020 XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: ENCORE CAPITAL GROUP INC.
State: NV
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 am a consumer that is informed to the federal guidelines that credit reporting agencies MUST abide by when dealing with the consumer. I have tried repeatedly to resolve inaccuracies on my personal credit report. I have asked, according to what the law says I'm able to receive for the credit reporting agencies to provide me with " validated proof '' that some debts I'm questioning are mine. After several requests, I have neither received the proper validation of deletion that I should receive ACCORDING TO THE LAW. The credit reporting agency seems to be using computers process my requests. How is this possible, if I'm asking for wet ink proof with my signature on a contract between me and that company.

Company response to consumer: Closed with explanation