BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: VA
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 BANK HAS DECREASED MY CREDIT CARD LIMIT FROM XXXX TO XXXX STATING IT WAS FROM INFORMATION OBTAINED FROM MY EQUIFAX CREDIT REPORT. XXXXXXXX XXXX  CLAIMS THE DECREASE WAS DUE TO BALANCES INCREASING IN THE LAST 12 MONTHS ( ITS A CREDIT CARD THAT TENDS TO HAPPEN ) MISSED PAYMENTS ( NOT ACCURATE ) AND INQUIRIES ( NOT APPLICABLE AND HAS NOTHING TO DO WITH XXXXXXXX XXXX ) I HAVE SPOKE WITH EQUIFAX AND THEY HAVE INSURED ME NOTHING WAS WRONG WITH MY XXXX XXXX ACCOUNT AND ITS BEING PAID AS AGREED. ALSO MY CREDIT HAS DROPPED XXXX POINTS FROM WHATEVER INFORMATION XXXXXXXX XXXX OBTAINED FROM MY EQUIFAX REPORT THAT CLAIMS I HAVE MISSED PAYMENTS AND ALL OF THESE OTHER INACCURATE EXCUSES TO DECREASE MY CREDIT LIMIT THAT HAS NOTHING TO DO WITH XXXXXXXX XXXX. APPARENTLY XXXXXXXX XXXX CONDUCTED A SOFT PULL OF MY EQUIFAX REPORT AND IT DOES NOT SHOW UP ON MY INQUIRIES. IF XXXXXXXX XXXX  FEELS THIS STRONGLY ABOUT MY CREDIT AND THINGS THEY FOUND ON MY EQUIFAX REPORT WHY WAS I ISSUED THIS CARD IN 2021 AND AFTER 6 MONTHS OF ON TIME PAYMENTS WHY WAS I GRANTED A CREDIT LINE INCREASE AS WELL? I HAVE ALWAYS PAID XXXXXXXX XXXX ON TIME AND HAVE NO LATE PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: TN
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:
Ive been sending in disputes to remove these accounts off my credit. I didnt know these accounts where on my credit until I tried to purchase a home. These are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company PennyMac suddenly increased my mortgage payment by {$22.00} month in XX/XX/XXXX. Without any explanation. On or about XX/XX/XXXX, my monthly mortgage payment increased to {$640.00} with no justifiable reason or explanation. For the past 24 months, I have made additional Principle Only monthly payments in the amount of $ XXXX {$310.00} each month. My monthly mortgage payment should not have increased. This company is gauging customers for additional money. I have requested that my account be reviewed, corrected and my normal payments show as paid in full. Please contact me at the above address regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: NRA Group, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX, 2017 I sent a registered letter to XXXX XXXX XXXX about a credit report they filed on my name that I owe XXXX {$110.00} which is totally untrue. I explained to them that other then my cell phones with XXXX XXXX of which I am current with I dont and didnt have any business with XXXX for a many years and did n't get any notices from them of any balance. 
I didnt get any response from them and they did not remove this claim from my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Complaint Details I recently applied in XX/XX/XXXX for an XXXX American Express Gold card I was approved right away and received no notification that my file was really under review I received a temporary card number and email saying I was accepted with in minutes. I applied for this car solely for the welcome bonus I can not remember if it was an email welcome or if I saw an ad for it the welcome bonus was receive XXXX or XXXX ( cant remember exactly ) sky miles when you spend XXXX or more dollars on in XXXX days and get a {$200.00} credit for purchasing any XXXX eligible purchases within 90 days. I did those things on my first billing cycle called in was told everything was good look to get those miles within 8 to 12 weeks recently called in and was told I was really denied for the welcome bonus and I wouldve/shouldve received a pop-up message saying your file is under review would you still like to proceed with the application I would have not if I wouldve received that message I wouldve not because of the hard inquiry on my credit and I wouldve went to another airlines credit card. I did not receive that message and due to the incompetence of American Express I applied because I did not receive that message so to no fault of my own they said I was denied my welcome bonus because I received a welcome bonus over 13 months prior. First off thats a terrible rule ive never been late on any payment and my credit is over 700. But if thats the rule fine but I talked to one of there bosses and was told I shouldve received an instance pop-up message as I go through the application and I did not and because I did not Ive bought XXXX XXXX  that I would not have bought Ive spent money with American Express that I would not have spent and I got a hard inquiry we all can read this and see this is not right and I just wan na come to a solution for this as it should be shouldnt be big companies getting over on the little guy its XXXX and Im glad your here to help.

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 personal information including Name, Social Security #, Address, Birthdate,  etc. resulting in a data breach in XX/XX/XXXX that they confirmed I was affected by per their " Potential Impact '' site 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 that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Experian Information Solutions Inc.
State: MI
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:
Checking over my report & I have noticed that the creditors & bureaus that I have constantly been contacting has not responded nor has not provided me any information in written response regarding these accounts that are inaccurate under section 609 fcra these accounts should be removed. Please review & remove these accounts from my report. I am very disappointed in the unprofessional works. 

This is slowing me down with bettering myself

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: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I paid off my student loan on XX/XX/XXXX in full. There was an {$630.00} overage. I told AES about it. They stated it would be returned by mail ( check ) within 30days. I have no received anything yet and every week I e-mail them asking. All the say is that I am owed {$630.00} and it will come approximately 30days from when I paid my loan in full. It has been almost two months and they are not refunding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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 a account without my written instructions XXXX Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX High Credit : {$2100.00} {$2100.00} Last Reported : XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: WI
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2017-10-21
Company: SYNCHRONY FINANCIAL
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, my XXXX XXXX XXXX was charged {$6400.00} by XXXX XXXX without my knowledge or authorization. I did not supply XXXX XXXX with my credit card number, nor did I receive any goods or services from them. 
Dispute : Fraudulent Charge of {$6400.00} on my XXXX XXXX/XXXX XXXX XXXX XXXX by XXXX XXXX on XX/XX/XXXX. 
This card was only used at XXXX XXXX store and gas stations. There was never a transaction for an amount greater than {$1000.00}. This charge was not authorized by card holders and the card number XXXX, now changed to XXXX was never given to merchant. XXXX XXXX is the primary card holder and XXXX XXXX an authorized user, who has been removed from the account XX/XX/XXXX. 
XXXX XXXX now holds XXXX XXXX for {$6400.00} as well as XXXX XXXX for {$6400.00}. 

The charge was completely fraudulent

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

Complaint:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site 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. 

Also it appears 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 that dumped stock immediately prior to the data breach announcement.

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

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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 a account without my written instructions XXXX Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX High Credit : {$2100.00} {$2100.00} Last Reported : XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/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 2022-02-09
Company: Avant Holding Company, Inc.
State: IL
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:
Use of my information was reported without my consent. have Demanded the company to correct or remove. 

Pursuant XXXX XXXX XXXX ( XXXX ) ( XXXX  ) ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( XXXX ) subject to section XXXX of this title, any ( XXXX ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Pursuant XXXX XXXX XXXX XXXX ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( XXXX  ) subject to section XXXX of this title, any ( XXXX ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Use of my information was reported without my consent. have Demanded the company to correct or remove. 

Pursuant 15 usc 1681a2 ( S ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Pursuant 15 usc 1681s -3 ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 noticed a few accounts on my credit report that I dont recognize

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: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Trying to help my mother who is XXXX years old by becoming a POA for her. Bank of America is making vague and unreasonable objection to signed State of California compliant POA with Notary Public stamp and signature.

We can't get them to explain what is exactly needed to establish POA.

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

Complaint:
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: WELLS FARGO & COMPANY
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:
My XXXX XXXX was flooded in XXXX, Texas on XX/XX/XXXX due to XXXX XXXX. I informed my insurance company and completed all necessary paperwork with GAP for my loan to be paid out and closed to Wells Fargo in a timely manner. 
I pulled my credit report XX/XX/XXXX and learned there was a charge of {$490.00}. In shock and disbelief, contacted Wells Fargo and asked why was I reported to collections. Wells Fargo representative stated after insurance/GAP was completed there was a balance for {$490.00} and it was not paid until XX/XX/XXXX. 
I tried explaining that in XX/XX/XXXX when XXXX happened I lost all my vehicles, XXXX included. I always submit payment on time and if I would have known there was {$490.00} pay off amount I would have paid it on time. 
I asked the representative why I wasn't made aware. Wells Fargo rep did not have an answer for me and kept telling me it is not Wells Fargo 's responsibility to inform me I have remaining balance. 
I asked then why did it take XXXX months to notify me. The Wells FARGO rep said he is not sure why it took XXXX months. Wells Fargo rep kept saying it is not their responsibility and GAP Insurance should have reached out. 
I said yes it is my responsibility but I also did not receive any mail or bill until XX/XX/XXXX which then I paid it off. 
Wells Fargo rep said he can send me a pay off letter and I can submit it to the 3 credit bureaus myself and he is not able to do anything since it has been 4 years and the loan is paid out and closed. The Wells Fargo rep also stated there is a miscommunication and in order for it to be resolved I would need to contact the creditors with the payment transaction and pay off letter I will receive from Wells Fargo. 
I am requesting for this negative reporting to be removed as it has been wrongly reported. I was not notified until XX/XX/XXXX - XXXX years later, that something I have paid for, to my knowledge, on time, was negatively affecting me. I sincerely ask for your help in reviewing and removing this. 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 2022-02-09
Company: EQUIFAX, INC.
State: NM
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 name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.

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

Complaint:
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation