BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-08
Company: EQUIFAX, INC.
State: IN
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:
In reference to the Fair Credit Reporting Act, These listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681Section 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 consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency mXXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: MI
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:
As I reviewed my recent report, I have found an erroneous information reporting on my Equifax Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Equifax to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXXXXXX Balance : {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: VA
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:
In accordance with the fair credit report act XXXX has valid my rights Account # XXXX 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer 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 2023-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In late XXXX, XXXX, I had a credit of {$.00} on my credit card account with Bank of America. I've had this credit for at least, 6 months. All of a sudden, the credit disappeared. I assumed, the money would be issued in form of a check or receive some correspondence of what happened to the credit. I contacted BofA ( XX/XX/XXXX ), to inquire what happened to the credit. The associate checked and verified that they did " not '' issue a check and attempted to research what actually happened. They could not explain what happened to the credit and would put in a request for it to be returned to the account. I called again ( XX/XX/XXXX ) and was told, it could take up to 10 business days for it to be returned to the account. I called again ( XX/XX/XXXX ) and was told, it will take up to 10 business days ( from today XX/XX/XXXX ) to receive a response by mail, to explain what happened to the credit. There are several things disturbing here : Why was it taken? Why is it taking so long to return the credit ( it's be more than 11 business days )? Why do I have to wait, for up to, another 10 business days for a written response? My concern is, this is a hidden business practice of " stealing '' money from unsuspecting customers and hoping they don't notice. I understand, this is a small amount of money but, if you multiply it by millions of customers, it can add up. It's the principle, not the amount of money!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: CA
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:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Inquired XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Patenaude & Felix A Professional Corporation
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a credit card debt for XXXX XXXX Bank XXXX In XX/XX/XXXX I was contacted by XXXX XXXX XXXX and I sent them a payment and settled by debt. I received a paid in full letter. Since then, I have received XXXX more additional contacts from creditors. Today, XX/XX/XXXX I was served by a sheriff for a complaint. I have contacted the offices of XXXX XXXX XXXXXXXX XXXX to notify them that I have paid my debt and provided a letter. I gave this letter to the other 3 companies and they said that they would see that this matter is settled. 
I had only XXXX ( XXXX ) account with XXXX XXXX and I am not sure how to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
EXPERIAN CREDIT REPORT AGENCY OR FICO 8 WILL NOT GIVE ME A CREDIT SCORE BECAUSE I HAD MY CREDIT COMPROMISE AND SOMEONE WAS USING MY CREDIT TO OPEN XXXX CREDIT CARD ACCOUNTS AND OTHER ACCOUNTS THAT WHERE OPEN. I HAD ALSO ALOT OF INQUIRIES MADE ON MY CREDIT REPORT ILLEGALLY. I HAD TO TRY TO FIX THRU YOU AS YOU CAN SEE PREVIOUSLY. ONCE YOU HELP GET IT FIX, THEY TOLD ME YOU NOW HAVE NO CREDIT SCORE BECAUSE YOU DON'T HAVE ANY FRESH CREDIT. I HAVE PAID OFF A HOME THIS YEAR AND TWO CARS. MY CREDIT SCORE WAS OVER 700 AND THEY ARE UPSET THAT I MADE THEM TAKE OFF ALL MY ILLEGAL INQUIRIES AND OPENED ACCOUNTS THAT I DIDNT MAKE THAT WILL NOT GIVE ME A CREDIT SCORE BECAUSE I TOOK OFF THE XXXX CREDIT CARD THAT WAS ILLEGALLY OBTAINED AND PUT ON MY CREDIT REPORT. THAT XXXX CREDIT CARD WAS PUT ON MY CREDIT REPORT XX/XX/2023. THEY TELL ME BECAUSE MY XXXX XXXX  HAS NOT REPORTED ANYTHING TO THEM IN THE LAST SIX MONTHS THAT THEY HAD TO GIVE ME A NO CREDIT SCORE AND THE TAUNT AND HARASSING ME OVER THE PHONE THAT I CAN'T GET ANYTHING ON CREDIT NOW BECAUSE EVERYONE GOES THRU THEM ( COMPANIES ) TO CHECK PEOPLES CREDIT SCORE FOR ANYTHING. I CALLED FICO 8 AND THEY COULDN'T TELL ME ANYTHING EITHER. I HAD A CREDIT SCORE BEFORE I WAS COMPROMISE AND NOW BECAUSE I TRY TO GET MY CREDIT REPORT FIX, THEY WON'T OR SOMBODY WILL NOT GIVE ME A CREDIT SCORE. I HEARD THAT THEY DROP ME XXXX POINTS FROM XXXX TO XXXX ALL IN ONE MONTH. PLEASE HELP ME FIX THIS PROBLEM BECAUSE THIS IS HARASSMENT AND PUNISHMENT FOR GETTING YOU INVOLVED. 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 2021-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Bank Of America XXXX sent Information requested to another person besides myself. I requested information regarding my loan as well as proof of any third party whom accessed my personal information. I requested whom provided the information to third party and based on what documents provided to XXXX XXXX if XXXX provided documents ). XXXX confirmed information was provided to a third party without my permission. I am in pro per and information should have been sent directly to me as requested. If XXXX holds no contract/substitution of trustee etc related to loan. XXXX Provide documents provided to third party as well as document authorizing such release. I am requesting an XXXX Executive contact me directly. As these are general question allowed to ask as myself as XXXX prior customer.

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 2018-10-24
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018, I went online to open an account with XXXX XXXX XXXX XXXX. For some reason the online application did not allow me to finalize the account and kept showing me an error message. So I cancelled the setup and did not try again. On XXXX I received an alert that XXXX XXXX XXXX XXXX ran an inquiry on my credit report without my authorization. I called XXXX XXXX on XX/XX/2018 and spoke to the customer service department and explained to them that I was not able to complete the account, therefore I have no account or agreement with them. Furthermore, I was applying for a bank account not for credit and no where in the signup process it said that they would run my credit. I have not signed any documents authorizing them to view my credit history therefore, their inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If they are in possession of any document that they believe authorizes XXXX XXXX XXXX XXXX or your their organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure they'll agree that verifying the information is in their best interest. 

Respectfully XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: WA
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Caliber Home Loans, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We are attempting to close on mortgage in XXXX, NC that was slated for XXXX. We flew into XXXX at that time to close but was delayed. Many issues with lender completing timely tasks. Prior to the closing being delayed, it was suggested to pay down certain debts to increase XXXX XXXX. It was suggested to refi truck into husband 's name only to help with XXXX. It was then suggested he be added to the loan but not include his income. I was told in after fact that his credit score increased our rate and we would then have to buy down points. Appraisal with company came back $ XXXX under market value after it was delayed due to lender submission or confusion.. Lender did not send for title clearance in timely fashion due to his error of incorrect email address when typing. It was suggested a rate increase to add my husband and then to buy down almost $ XXXX to have rate that was already locked in at 4.5 %. Attorney was sent the okay to execute close but never got final papers. Delayed closing still. Buyer or we were told to send the {$17000.00} needed to close but not actually closed. Lender was not responsive to our attempts to speak with them. They justified moving to another XXXX without our approval which complicated dynamics more. New XXXX states we are not able to sustain employment out of state and pose as risks. This was after they checked my website and assumed I did not work actively in telehealth. They were corrected and still suggested that I have employees to pay. I have contractors XXXX who are reimbursed for the work they do. It appears things are off and our home with not close without them adding more fees and reconfiguring CDs that were signed to close XX/XX/22. We had due diligence money money of {$11000.00} at risk due lender stalling and switching dynamics suggesting my business is accurate, effective or can sustain in North Carolina. I have active remote work in MO at this time and working to secure NC license with Background check pending. Combined we have {$11000.00} due diligences, {$17.00} closing costs, $ XXXX credit card and $ XXXX for taxes that had to be accounted for to close a loan that never closed. If wanting the entire thread of emails or text, pleas let us know. Thank you. Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, 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:
Account XXXX XXXX, XXXX, is inaccurately reporting on the credit reports associated with my social security number and violates my consumer rights as evidenced by the following information : There are several inconsistencies in this account on the credit report. Firstly, Equifax has not specified the account type in detail, unlike XXXX and XXXX. Secondly, the high credit reported by XXXX and XXXX is {$3700.00}, while Equifax reports it as {$3000.00}. Thirdly, the credit limit reported by XXXX and XXXX is {$3000.00}, but Equifax reports it as {$0.00}. 

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ), specifically the section that requires credit reporting agencies to provide accurate and complete information in credit reports. Under FCRA Section 611 ( a ) ( 1 ), credit reporting agencies are required to " follow reasonable procedures to assure maximum possible accuracy of the information '' in a consumer 's credit report. The inconsistencies in this account information suggest that the credit reporting agencies did not follow reasonable procedures to ensure accuracy.

Additionally, FCRA Section 623 ( a ) ( 2 ) ( A ) requires credit reporting agencies to promptly correct any inaccuracies in a consumer 's credit report. Since the high credit and credit limit reported by Equifax are different from those reported by XXXX and XXXX, Equifax should have corrected the inaccuracy in its report promptly. 

In summary, the inconsistencies in the account information reported by the three credit reporting agencies violate FCRA Sections 611 ( a ) ( 1 ) and 623 ( a ) ( 2 ) ( A ) regarding accuracy and prompt correction of credit report information. In addition, the account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: Ditech Financial LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
DITECH HAS VIOLATED THE : DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT TITLE X FOR THE LAST TIME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX Nelnet customer service sent a changed update to my deleted student loan after my student loan complaint had been notarized by my bank XXXX XXXX XXXX I disputed and had this student loan with University XXXX XXXX confirmed paid in full and removed after seven years ago. It was not signature forged issues and Nelnet did not get caught trying to say I had signature forged as a identity theft claim. The XXXX Federal Education Loan Program confirmed by representative XXXX was no longer owed to Nelnet that bill was removed that I agreed to on audit electronic signed XX/XX/XXXX. This still caused Nelnet to want some kind of forged signature notarized issue from me or appeal a denied identity theft claim submitted and on their recorded line they stated takes thirty days and would process no sooner than at least fifteen minimum days and they illegally authorized a XX/XX/XXXX and XX/XX/XXXX electronic letter from Nelnet customer service team. I want this student loan removed because they illegally authorized it to me on XX/XX/XXXX I already switch my enrollment to XXXX University to keep from being billed by the University XXXX XXXX. The FTC filed a report against Nelnet that was mailed to them from student loan error caused to me after I disputed Nelnet account student loan XXXX acccount with their company for over seven years. Nelnet supervisor explained to me to get a lawyer to have this loan removed and that the University XXXX XXXX never reported I disputed and had it removed and XXXX the financial aid department confirmed to Nelnet XXXX that I did not owe FFELP student loan I agreed to it was not on file the Nelnet supervisor lied and so I am sending over this CFPB because I never said that it was being scammed by signature issues and would like it removed due to even those reporting errors Nelnet caused me in XXXX after my dispute was accepted by fair credit reporting act and equifax been removed this nelnet account and XXXX disputed Nelnet reporting errors because I did not owe Nelnet anymore payment arrangement and income driven payments I want a letter from Nelnet collection department that it removed from disputing I did not change from a deleted student loan request for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
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:
There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment 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 non-monetary relief
Consumer complaint received 2021-09-18
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express advertised a welcome promotion on its XXXX XXXX XXXX American Express Card. Under this promotion, American Express will award a new cardholder XXXX XXXX XXXX points after spending {$2000.00} in purchases on your new Card in your first 3 months. 

I applied for a XXXX XXXX XXXX American Express card and was approved in XX/XX/2021. On XXXX XX/XX/2021, I reached the required {$2000.00} spending criteria for XXXX XXXX XXXX points to be awarded. However, two months later, as of XXXX XX/XX/2021, I have not received these points. 

Upon following up with American Express on multiple occasions in the past two weeks, the company not been able to resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602, I have the right to privacy, and under 15 USC 1681 Section 604 A Section 2, It also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under as open-end consumer credit plan as " late '' for any purpose.

Company response to consumer: Closed with explanation