BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
ON XX/XX/2020 I submitted via fax a dispute for information on my credit report with the three bureaus. The companies ( XXXX  and experian ) are refusing to initiate the disputes based on the information provided which is my current information. I have submitted multiple times, my identification, proof of CURRENT address and social security card. They send the same canned mail saying they can't do it. Their lack of urgency to fix the errors on the report have suffered me great loss. It has been 2 months since I have submitted these documents and I want this taken care of NOW. They are ignoring disputes and not even following protocol. XXXX  has frozen my account without my permission and I can't even access my report to see the inaccuracies anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
As of ThursdayXX/XX/XXXXXX/XX/XXXX 2017 over 140 million individuals have been subject to a breach with credit reporting agency Equifax. I am a potential victim and I would like to file a complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NY
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 went to the Equifax website and I was told that I may be a victim of the Equifax hack. They wanted me to sign up for their fraud alert system, but this would place me in binding arbitration with no legal recourse if I am effected by identity theft. This is not ideal for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: ASSOCIATED MORTGAGE CORP
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This complaint is against CityScape Mortgage, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. My husband and I were in the process of purchasing a new construction home since XXXX XXXX. In late XX/XX/XXXX, we decided to switch lenders to see if we would qualify for the XXXX  loan. Cityscape was recommended by our realtor. Once we contacted CityScape, we spoke with XXXX XXXX and his XXXX XXXX XXXX. My credit at the time wasn't where it needed to be approved for the VA loan so they helped me get my scores to where they needed them to be through a program they used. Once that was done the process began to flow and we received a call from XXXX in XXXX saying we were conditionally approved for the XXXX loan. Then a few days later I received another call saying I needed to provide documents on a previous foreclosure that was in my ex-husbands name. I sent over the documents they needed. Then they said the XXXX already shows I had a loan, so i sent over documents showing I never used my XXXX loan. Just when we thought the process was moving forward, they emailed saying I needed to provide bankruptcy documents showing accounts that are closed. They requested I call each creditor on the Bankruptcy list. Each creditor my husband and I called stated the accounts were past the statute of limitations. We explained that CityScape, and they still said the loan may not be approved. However, they sent an email to the builder liaison saying the loan was approved and on track for closing. during that time we still didn't receive an appraisal but were told an appraisal wasn't necessary to close per phone conversation with the XXXX XXXX XXXX. During the process we tried numerous times to speak with XXXX and his XXXX to get some clarity on the matter. At one point my husband received a text from XXXX saying he was at XXXX XXXX. The professionalism was nonexistent. Once we decided to switch lenders again we had almost a month until our XX/XX/XXXX closing date. The lender we switched to requested the appraisal after we were told it was completed. However, cityscape dragged their feet until the last moment and then stated they never completed an appraisal. This caused our closing date to be pushed back to XXXX. CityScape was never forthcoming with their intentions and we constantly received the runaround. The process became extremely frustrating and unbearable. The treatment we received was unprofessional and unethical.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
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:
On XXXX XXXX, 2017, Equifax revealed that they were affected by a data breach in which criminals gained access to 143 million Social Security numbers, birth dates, addresses, names, and some driver 's licenses. 

According to Equifax 's website at XXXX XXXX XXXXXXXX  my information was taken. 

Equifax exhibited extreme negligence in allowing this breach to happen since my personal information was not properly stored, secured or encrypted. 

Equifax has provided a free fraud protection service, however in order to obtain these services, you must waive your right to participate in any class action lawsuits against the company, according to this clause in their terms of service : AGREEMENT TO RESOLVE ALL DISPUTES BY BINDING INDIVIDUAL ARBITRATION. PLEASE READ THIS ENTIRE SECTION CAREFULLY BECAUSE IT AFFECTS YOUR LEGAL RIGHTS BY REQUIRING ARBITRATION OF DISPUTES ( EXCEPT AS SET FORTH BELOW ) AND A WAIVER OF THE ABILITY TO BRING OR PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR OTHER REPRESENTATIVE ACTION. ARBITRATION PROVIDES A QUICK AND COST EFFECTIVE MECHANISM FOR RESOLVING DISPUTES, BUT YOU SHOULD BE AWARE THAT IT ALSO LIMITS YOUR RIGHTS TO DISCOVERY AND APPEAL. 

This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Experian Information Solutions Inc.
State: NC
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 disputed with XXXX, the information they are reporting for XXXX XXXX XXXX. I have no financial responsibility to this company. I have asked numerous times for validation that I owe this company money and have never receive anything. XXXX is the only company saying they have verified this account, when no one else has??? How was this account verified? Can I see the copy of the contract I supposedly have with XXXX XXXX XXXX? Although XXXX has the right to report false information on anyone they choose, they also have the right to be held responsible for the false information they 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 2022-02-11
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX  and I do not have a contract with XXXX plus they did not provide me with the original application like I asked. 

account number : XXXX amount disputed : {$1500.00}

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 2017-09-08
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:
As according to the press releases on XXXX/XXXX/2017 Equifax has been breached and released personal information of millions, of which i am one. Equifax has confirmed my information including up to " names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers '' has been obtained by others. My financial security, credit health, and personal identity are now at risk though no fault of my own. Despite previous similar breaches with Equifax, such as those with XXXX, substantial security measures were not implemented to protect consumers, whose information Equifax acquired without consent of the consumers. Furthermore, Equifax did not immediately inform the public about the security breach and waited, withholding information of the event for months. This denied me and others the chance to protect ourselves and avoid being taken advantage of for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: IL
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:
I have an account on my credit file being marked delinquent every month since XXXX. This account should not be reporting as such being that collection activity has stopped due to Covid and also school related University of XXXX has been found to be doing illegal things. I also qualify to have this removed under the borrowers defense

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 2022-07-12
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a checking account and debit card with XXXX XXXX XXXX XXXX XXXX. I needed to make a cash deposit to an ATM, but there were no XXXX ATMs in my area, however they are part of the XXXX  ATM network, where I should be able to use any XXXX ATM to do certain transactions, as far as I knew. I found the nearest XXXX  ATM that said it accepted deposits, which was a Navy Federal Credit Union ATM attached to a Navy branch ( address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ). On XX/XX/22 at approximately XXXX XXXX, I used this ATM to attempt to make a cash deposit. The amount of cash was {$270.00}. I entered my XXXX debit card ( ending in XXXX ), entered my PIN, and selected cash deposit and entered the cash into the machine as instructed. The machine spent several minutes making noises as if it was counting the cash and then an error message appeared on the screen " Unable to return your cash ''. It then printed out a receipt that says : " We encountered a problem returning your cash. Please contact your financial institution. '' It also has the timestamp and the ATM # which is " XXXX ''. 

I went to the Navy FCU branch in person on Saturday XXXX and briefly spoke with an employee who only told me that I had to contact my credit union to file a claim. I have contacted XXXX by phone many times over the past few days and have spoken with no less than 5 employees in the payment services department and the claims department, who have repeatedly told me that they have absolutely no way to initiate a claim with Navy FCU because there is " no record of a transaction on their end, so there is nothing to file a claim over. '' I have also spoken with the ATM services department at Navy FCU over the phone, who also told me that they need XXXX to initiate a claim with them to start the process of returning my funds to me. 

So it has come to this, I have both financial institutions giving me the run around. My cash is physically in the Navy FCU ATM and whenever they audit it they are going to find the overage, and I don't know how they are going to return the funds to me because XXXX is refusing to help me or coordinate with Navy FCU in any way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
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:
Equifax has told me that my identity has likely been compromised because of their service 's improper handling of my credit information. I am not willing to give up my legal rights in exchange for their freeze/monitoring offer. I should not have to give up my right to sue for damages in exchange for these services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: DE
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 checked with Equifax to see if I was impacted by the breach. Their records indicated that I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Loan # XXXX was sold by XXXX to NewRez. NewRez is supposed to pay mortgage insurance with part of the payments I send them. Last month, they didnt pay insurance, and my insurance company, XXXX, was finally going to cancel my insurance, so I paid it myself. So essentially I paid it twice. I tried calling NewRez and got transferred twice, the last time was to a useless voice recording with no help options. I emailed NewRez. On XX/XX/XXXX, they responded : We received your email and are working to gather the requested information and will respond as soon as possible.. Its the XXXX now, so no response in 20 days. My next payment is due and I dont want to overpay again.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX  and I do not have a contract with MIDLAND CRED plus they did not provide me with the original application like I asked. 

account number : XXXX amount disputed : {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: PENTAGON FEDERAL CREDIT UNION
State: NM
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:
On XX/XX/2020, I tried to get pre-approved loan for a property and that is when I found out there had been fraudulent activities. I was in disbelief when I found out I knew the perpetrator. It is my own mother that had used my information against me. We are not in contact and our relationship had been damaged. She is recently harassing, defaming and stalking me. XX/XX/2020 she used my information to track down my doctor and former adviser from school to get more information about me. We reside in two different state. She found my former address where my close friends still lives and surveyed the area and called the cops on that address to do welfare check. She wanted to confirm I still reside there. She has my number but did not call or text me that she is in town. These incidence has caused me to have severe anxiety, nervous and I am always in fear of what she is doing and what she wants. I am afraid for my life and I need HELP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: 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:
I have been confirmed as a victim of the Equifax Hacking Incident. Unknowingly, my very personal, private information was disclosed to 3rd parties, without my consent, knowledge, request or approval in XXXX of 2017 as reported by them.

Company response to consumer: Closed with explanation
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:
Equifax was negligent in protecting private information of mine allowing hackers access to my private data including but not limited to : My social security number My home address My drivers license number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: EQUIFAX, INC.
State: IL
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:
TO WHOM IT MAY CONCERN THIS FRAUD I HAVENT CHECK MY CREDIT IN A COUPLE YEARS I TRIED TO BY A HOME AN I WAS DINED. MY LICENSE WAS SUSPENDED BECAUSE SOMEONE HAD A CAR IN MY NAME AND OPEN UP CREDIT CARDS IN MY NAME. I CHECK MY CREDIT AND I SEE ALL THESE CREDIT CARD ACCOUNT ON MY CREDIT THIS FRAUD I DID NOT OPEN THESE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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: Credit inquiries on your report that you don't recognize

Complaint:
So, I went to a XXXX and they reviewed my credit card and I saw that I had 20 hard inquiries that I don't recognize and it is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
So, I went to a XXXX  and they reviewed my credit card and I saw that I had 20 hard inquiries that I don't recognize and it is hurting my credit score.

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: 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 XX/XX/XXXXthat 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 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:
Equifax has mishandled the sensitive information of 143 million Americans. Then, they failed to inform the public until a month after it had happened. They have only offered us 1 year of free credit monitoring, which also waives our right to take legal action against them. 

Companies that handle sensitive information like this should be held to a higher standard and disciplined accordingly when things like this occur.

Company response to consumer: Closed with explanation