BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We fell behind on the mortgage XXXX of 2021 as result of job loss, covid illnesses in our household. We started the procedure with the loan servicer SPS. We sent them multple copies of paperwork for several months. We did not feel comfortable continuing to send payments during this time because they seemed to always misplace or lose documents. We sent them all financials several times. After several months they asked for hardship paperwork again. Finally they denied any help to resolve the issue except paying the full amount, which we did not have. Since XXXX we have continued to try to deal with SPS Servicers, but they are unwilling to assist us in new mortgage assistance in anyway. We will be able to pay the mortgage now that we have sources of income to pay the mortage and past due. Meanwhile SPS servicers have continued to add multiple and multiple expenses to the loan including an unlimited supply of drive by inspection charges and other unknown charges m eanwhile we continue to feel like we have been getting the runaround. We have been willing to do what we can to save our home of 27 years, our childrens home. On several occasions they have allowed the homeowners insurance to be cancelled. We paid to have it reinstated and SPS improperly dealt with the insurance allstate and told them no one was living in the house. This house has been occupied almost daily for 27 years. With all the drive by 's they have done supposedly, I am not sure how they have been unable to see all the cars in our driveway.One of the agents at SPS recently said if we could afford to pay the insurance to get it reinstated after they SPS messed up then why can't we pay the mortgage. We feel like they have been harassing us for several months, leading us on and tacking on a multitude of expenses. Recently we received another notice to pay homeowners again since they SPS had mandatory insurance placed and now XXXX said SPS dropped the ball again.We will be able to pay the mortgage from this period on, we just want to be treating fairly. This has been a true nightmare dealing with this company. Please help us save our house. We have plenty of equity at stake, and am sure the SPS company and loan owners are well aware. Now we received a letter from an attorney today requesting the loan and all the fees added by SPS is due in full {$150000.00} Dollars or we will be foreclosed on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX. Equifax is fraudulently reporting inaccurate information and duplicating exact accounts numbers and reporting that accounts are pass due when they are paid and current. Accounts : XXXX XXXX XXXX not late or missed payment this account is paid in full and closed. This XXXX XXXXXXXX XXXX is listed multiple times. XXXX XXXX same account listed multiple timesXXXX XXXX XXXX account listed multiple times. This is a revolving weekly account its never late. XXXX XXXX XXXX XXXX so closed and paid in full. Why is it listed as a missed payment and late. XXXX  XXXX account is open and never late. 
XXXX. Equifax is reporting using old accounts and reporting them as new. This is an on going problem and its discriminatory as iam a person of XXXX and these practices Equifax is unfair and hinders my opportunity for financial help because the accounts are not being updated and old accounts are recycled for the credit bureaus and credit services to keep billing and getting paid meanwhile my credit profile is not going in a positive direction because Equifax is not updating accurately. Iam making an honest attempt through cfbs to help correct this problem as I will have no other record but to seek legal action if Equifax does not correct this matter in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
On XX/XX/17 I learned that millions of customers of Equifax had their data compromised in a security breach. I checked on Equifax 's website and it was confirmed that I was among one of the victims. While I understand that Equifax is also a victim in this attack, they are requiring their customers, such as myself, to manually file fraud alerts and credit checks. Equifax should be doing more to take care of this issue for every single one of their customers. Additionally, the fact that a major company that is involved with countless amounts of sensitive data is not prepared for an attack like this is unacceptable. Now my personal information is available to attackers and I have bear the burden of an increased chance of identity theft for some time to come.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
My data was not properly protected by Equifax and I am now at risk for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: National Credit Adjusters, LLC
State: CA
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Paragon Revenue Service. Apparently my debt was sold to this company, so I set up a payment plan. Theyre claiming I only made one payment and the others were returned. They had my account information wrong and never attempted to make me aware of my payments not being processed. I am now on a payment plan with the XXXX who this is owed to. They will not stop contacting me and sending bills for money I do not owe them. It is exhausting and causing me so much XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: NC
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:
I sent letters to Equifax, XXXX XXXX  XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The credit reporting agencies are reporting a bankruptcy which is against the FCRA privacy law. I don't recognize this public record so I contacted the courts and they stated that the information I gave was never furnished by them because they do not report my private consumer information. Please provide proof from the court that they provided this information because by law the credit reporting agency can not publish information from a third party or without my written consent. Therefore this public record is inaccurate and I demand it be deleted immediately for violation of my right to privacy under FCRA 15 USC 1681b ( 2 ) and the credit reporting agencies didn't have permissible purpose to furnish this information. They are also violating FCRA 15 USC 1681i Procedure in case of disputed accuracy ; if this is not deleted in 4 days I will file a ftc, XXXX, and attorney general complaint!

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: 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:
From XXXX to XXXX, Equifax Credit Bureau 's security was breached, allowing for 143 million Americans information to get compromised. My information was compromised. Equifax has not offered a solution. Instead of informing victims immediately, they decided to do a press release two to three months after the incident, in XXXX. I have had to place credit freezes with all three bureaus, replace three credit cards, activate fraud alert, and take identity theft precautions as a result. I have also been forced to pay a ten dollar fee to Equifax to place a credit freeze with them, which is upsetting, because I should not have to give them money to fix a problem they are responsible for. Equifax does not have the technological competency to be running a credit-reporting business, and their gross negligence has affected my life, and my family 's life, deeply. Now I run the risk of having my identity stolen, and having to freeze and unfreeze my account for loans/credit indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
On XXXX XXXX, 2017, I learned that my data ( possibly including my name, Social Security number, birth date, address, drivers license number, and credit card numbers ) was taken from Equifax due to a security breach. Equifax failed to protect my data and stored it in a way that allowed it to be stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Can not access/manage credit freeze. Used to be able to do this on their website- now their site redirects to credit report request and not even that works. Also, it directs to call them and that process leads to an endless loop where i can never speak with a representative at XXXX. They are effectively blocking my access to my credit file/credit freeze. 

Any number i call in attempt to speak with a human being leads to endless loop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed for identity theft and submitted fraud charges to Bank of America. I was told these transactions match my spending habits and I am liable for them. 

XX/XX/2019 {$150.00}XX/XX/2019 {$10.00} XX/XX/2019{$43.00} XX/XX/2019 {$11.00}. 37 XX/XX/2019 {$200.00} XX/XX/162019 {$49.00} XX/XX/2019 {$120.00} XX/XX/2019{$100.00} XX/XX/222019 {$52.00} XX/XX/2019 {$10.00} XX/XX/2019 {$14.00}XX/XX/2019 {$48.00}

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 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My personal credit report was compromised .. I did not allow any of these companies to check my credit report. Inquiry done is illegal and must be removed from my credit file. Given the growing cases of identity theft, I'm sure you'll agree with me that if failure to verify such inquiry needs to be stopped. Please remove XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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:
On XXXX XXXX, 2017, I found out that my personal information was compromised due to a data breach that affected Equifax over a month ago. Since then, I have been taking precautions, one of which is to freeze my credit. It is ridiculous that a company which I never interacted with is affecting me financially and that I have to pay for every credit bureau in order to protect my credit. In addition to this, to be able to check whether my information was compromised, I had to complete an arbitration clause that excuses accountability from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have had derogatory credit information placed on my credit profile my Medical Data Systems. I have not been contacted in any way by medical data regarding this debt. I have not received any communication of any kind. I have only been ambushed with a debt that doesn't belong to me. When trying to get information since in the information does not match what they have in their system I have not been able to resolve the issue. This is clearly Identity theft. I have not visited this medical center and have not generated any bills related to medical care.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demanded Equifax verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed ..Failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX XXXX  ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
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 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. 

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: CITIBANK, N.A.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I made a debit card transfer to Citibank on XX/XX/2022 at approximately XXXX pm cst. It did not inform me it would take 3 business days until the transfer was complete. I immediately contacted customer service via chat. The first representative first said 3 business days then changes his answer and said he already saw the money processing into my account and to give it several hours to show up. After an hour or so I got back on chat because the money still wasnt available. The second representative told me that he saw the money in the account and that it would be available within the next couple of hours. After another hour I chatted again. Rep number three said it was in the account and that my app just hadnt updated yet. I specifically asked if the money would be available before XXXX and was told Yes, XXXX. So I tried to use my debit card and it didnt go through. So I again got on chat. XXXX said that as he had previously stated the money was in the account. I told him it still wasnt available and he said it was. I told him I had tried to use the debit card and he said to call customer service. The first representative said the money would be available soon. She then put me on the phone with a supervisor who stated that because it was the weekend the funds would be available the next business day which would be Monday at opening hours. So I get up this morning and the money is still not available. I call customer service again and am told that the money wont be available for three business days. When I asked why five other people including a supervisor had told me differently and that I had been up all night waiting for the funds I was told that she could do nothing about this and I would have to wait it out. Im sorry but if you are told by four csrs and a supervisor that your money will be available your bank should have to hold to that. Any other financial institute I have dealt with is able to push a deposit through if the money is clearly in the account. Citibank refused to help me in any way even though I had been told wrong 5 times. This is unacceptable. If you have representatives working in your call center they should be properly trained. If you promote someone to supervisor they should definitely know what they are talking about. One rep giving misinformation I could see but 4 csrs and a supervisor!? I think not. I am now living with {$0.00} until my money, which is already in my account, is released. This was a direct transfer using a debit card. The money was with Citibank within seconds of my processing the transfer. This is poor business practice. This is also unethical when they can admittedly see the funds.

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:
On XXXX XXXX, 2017, I learned that Equifax 's databases had been hacked and my personal information was leaked to criminal parties. I was not informed by Equifax, instead I learned about the incident from news reports. Furthermore, Equifax did not disclose the hack for weeks allowing the criminal parties to use my information unseen. Equifax did nothing to inform me about the incident and nothing to help me protect my credit and my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Chime Financial Inc
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a direct deposit set up with the company I work for and my funds were split between two bank accounts and chime bank. Has claimed that there were no funds available the day of my payday and that it would be there by the end of that day. Saturday rolled around it was the. Next time I called the next time the agent informed me it would be early Monday morning. Monday morning came I checked and no funds were there. So I called and the supervisor told me that there was no direct deposit at all and no funds were sent. But it showed that the funds were sent from my employers payroll department. And it holds true because my other bank received it and it was deposited. They bother were done at the same time. I feel like they pocketed my paycheck because. Who knows why. But it is definitely fraudulent and sketchy. If you ask me. I work hard to provide for my family. The exact amount was {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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: 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