BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Subject : Incorrect Information Reported by Credit Bureau : XXXX I am writing to file a new complaint against XXXX for the following items that were reported negatively and should be removed because it can not be validated. The accounts are XXXX account # XXXX, date opened XX/XX/XXXX. XXXX account # XXXX, date opened XX/XX/XXXX. XXXX  account # XXXX, date opened XX/XX/XXXX. And XXXX XXXX account # XXXX date opened XX/XX/XXXX. 
There is not enough creditor information being reported by XXXX and it does not even match with the other reporting agencies either. I have attached the correspondence letters that I sent to them originally, and they havent responded accordingly and also WITHHELD information that I requested previously. 
These items listed above are inaccurate, unfair and unverifiable derogatory, an according to 15 USC CHAPTER 41, SUBCHAPTER III : CREDIT REPORTING AGENCIES, XXXX as violated the law and ignore the procedures and did not release any information to me on how they verified these accounts and reported them 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 non-monetary relief
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:
Equifax did not implement proper data security measures and my information was stolen in the hack around XXXX 2017. Stolen information includes my Name, DOB, SSN, address, and account numbers. Equifax did also not follow appropriate measures in notifying people that their information was stolen. Equifax executives were able to sell ~2 million dollars of Equifax stock immediately after the breach, but were not able to notify people until a few months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
Equifax just had a major security breach, exposing many people 's private information. My SSN, my name, my address, could all possibly be leaked and open at this moment. I confirmed that my information is more than likely stolen by checking on their website, equifaxsecuirty2017.com. I fear my information has already been stolen as well, I have tried to create a XXXX XXXX account to keep track of my credit, but my information is apparently " invalid '', and they ca n't identify me with my SSN. I tried to get a report on XXXX, but the same issue rose from that website as well. I am going to attempt to freeze my accounts and hope this will be resolved somehow. Other than that I am honestly fearing the worst possible scenario at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX, 2017 a complaint was filed to you regarding hardship paying mortgage due to an unexplained escrow account on the mortgage account. The owner of the property wanted the escrow account to be removed from the mortgage because the total amount due was increased from {$800.00} to {$1600.00} and it exceeds the amount he is able to pay monthly. Since then, Wells Fargo will not work with us to lower the monthly payment and we are at our wit 's end. Also, Wells Fargo has not explained how the escrow is being applied, since they have included this on the mortgage. Payments are now 4 months behind, since the owner can not afford the monthly payments.

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

Complaint:
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 notification that I could potentially be impacted, no email, letter, or phone call. Instead had to discover it via social media and through news agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
I have called for MONTHS now to get my account to reflect accurate information. Every time I call I get transferred around for HOURS, only to be given excuse after excuse and eventually told no one can help but they are escalating my " ticket '' to someone to resolve the issue and it never happens. MONTHS later I am still trying to get assistance. My online account via Chase reflects an amount due of {$1200.00} when I only owe {$1000.00}. You can see the difference of {$120.00} was paid on XX/XX/22. Customer service has confirmed I owe {$1000.00} but no one can fix the system to accurately reflect as such and they are reporting incorrect information to the bureaus. Call after call and hours on the phone, all they do is transfer you from one person to the other who has no clue to what they are doing. They do not listen, they only talk over you and give you answers to questions you never asked. When you try to go the XXXX XXXX site to service your loan you get an error message as the SITE NEVER WORKS!!!!! This is ridiculous. Why do customers always get subjected to incompetent, XXXX XXXXXXXX XXXX rude, " customer service '' reps that are useless and just XXXX and frustrating to deal with?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: NH
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 was affected by the XXXX that struck my place of employment ( XXXX ), which resulted in financial hardship and caused late payments. https : XXXX Please remove any late payments from my account due to natural disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX. 15 U.S.C 1681 section 602A states I have the right to privacy. 15.U.S.C 1681 section 2.Its also state a consumer reporting reporting agency can not Furnish a 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 2017-09-09
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:
Equifax reports that my personal information was likely leaked in the hacking of their databanks in XX/XX/XXXX through XX/XX/XXXX. This could include my social security number, date of birth, drivers license number, etc.. I never consented for Equifax, or any other credit bureau, to collect this information and the loss of it is squarely their responsibility. I am unable to get a new SSN or drivers license number, these have been compromised and will never be safe again. It has been reported that certain leadership of Equifax sold some stock in the company before the reporting of identity theft was reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
Due to the recent Equifax Security Breach, I checked to see if I may have been impacted and yes, I may have. I put a 90 day fraud alert on my account to keep it somewhat protected from newly credit applications under my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
The equifax data hack that caused the loss of my personal identifying information that can be used to impersonate my identity and even take out loans without my awareness. That this data was stored in an unencrypted format and can be accessed in bulk is a failure on Equifax 's end, and that this information can be used without my direct involvement is a failure on the industry as a whole, as even my email has two step authentication.
Equifax 's solution to offer one free year of their paid service monitoring with an agreement to not pursue any lawsuits is nothing less than a profiteering exploitative insult, as the information that was stolen will be mine for the rest of my life. Not that the end of my life necessarily means the end of the problem, as there have been instances where a stolen identity has been used even after they the owner of that identity is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: AMERICAN EXPRESS COMPANY
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2017-09-09
Company: EQUIFAX, INC.
State: OK
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 was hacked, and investigated the incident for several months without notifying consumers. They are now using this large identity theft incident to market their fraud alert program.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: DC
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 me and millions of others at 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 E-mail, letter, or phone call, and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: SYNCHRONY FINANCIAL
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: OK
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:
This complaint specifically involves Equifax, but applies to all credit reporting agencies.
On XX/XX/XXXX, one of the largest data breaches occurred when Equifax was hacked and over 150 million people 's SSNs, DOBs, addresses, etc were stolen. Notification of this breach was not handled in a timely manner. The solution provided by the company involves free credit monitoring for a year based on the consensus that I waive my right to sue or participate in a class action lawsuit. This is theft, in addition to the hacking. This solution does not suffice. This company mishandled mine and millions of other 's information incorrectly and should not be allowed to be benefit from their carelessness under the guise of " saving money '' by cutting corners regarding proper security measures.
All credit reporting agencies should step up security measures by including at least a two-step verification process. Additionally, credit report monitoring should be a free, standard service since the public is subjected, as a standard, to being forced into having our information in the hands of these credit reporting agencies without permission, without a business relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
Equifax did not do their due diligence to protect my credit information, and their systems were compromised for at least 2 months in summer of 2017. I am among a list of millions of Americans who are likely affected by this data breach. I am freezing my credit to prevent potential damage, but I ca n't know for some months if any damage was done before my actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Convergent Resources, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have seen collections on my XXXX Credit bureaus. I don't remember or recalled doing any business with them. Multiple times, I asked them to provide me with some kind of proof that I conduct business with them. Nothing was ever produced for me. When, I called them they ask for my personal info, or put me on hold for long long time. Please help me.

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 2021-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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: 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:
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. This has taken a lot of time away from me and I should be paid for that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: ORG GC GP Buyer, LLC
State: AL
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:
My student loan is handled by XXXX of Texas. My XXXX XXXX is been garnished and also IRS has sent them, XXXX of my taxes. I filed this from XXXX in full these was added to XXXX. No one can tell about these monies. My balance of my student loans are XXXX. In other words I have over paid them. And I need a letter from XXXX. XXXX. of XXXX letting me out this default loan. Seems I am paying two companies. Which I can not afford.

Company response to consumer: Closed with explanation