BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
TransUnion is reporting a Repossession and subsequent charge off that was not in accordance with the law. The following was asked for by XXXX XXXX XXXX XXXX and they never responded with the following ; I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506 EFFECT OF ERRORS OR OMISSIONS 9-611 NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612 TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613 CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. They also changed the terms of my auto loan before the repossession without my consent and increased the monthly amount on the vehicle payment.

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 2023-11-15
Company: Stellantis Financial Services US Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was not informed that my vehicle was being reposted until a tow truck showed up to my house without prior knowledge. When asked about why he was there I was told he was doing his job. Twice prior a car drove by as if it was recording me or my neighbor 's houses. After the tow truck which was months later another car drove by recording and taking pictures of our houses. On XX/XX/2023 acar came pulled up in front our houses and set. As a XXXX XXXX, XXXX XXXX  of XXXX and a XXXX XXXX  survivor, I became weary and anxious so I called the police. The police informed me they were repo people and made them leave from sitting on the corner for an hour. Today XXXX XXXX a weird truck sat out side my house for over an hour. When I asked if I could help him, I was again told I'm just doing my job that he was a utility worker. But it looked as if it was the same driver of the tow truck. I get XXXX to XXXX calls a day whether I talk to them or not and now I'm being stalked outside my house. I'm scared to leave because I don't know who the individuals are. Only thing I've been told is I'm doing my job. This should be considered predatory and dangerous practices. I really hope you can help me rectify this situation.

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 2021-08-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are accounts listed on my credit profile that do not belong to me. Please remove them.

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 2021-05-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing this complaint with hopes that you are able to assist me. During the pandemic the president signed the " Cares Act '' which placed all federal student loans on a pandemic forbearance/suspension. To my knowledge all of my student loans are federal student loans so I assumed that all of my student loans would be placed in this status. The cares act with respect to the student loans was extended at multiple stages throughout the XXXX  year due to the continued state of the Covid-19 pandemic. It was not until late XX/XX/XXXX that I pulled my credit report and noticed that half of my student loans were reporting as current and the other half was reporting as past due. I immediately contacted the XXXX company to find out what was going on. I spoke with a representative and I was informed that yes all of my student loans are federal student loans however half are owned by the Department of Education and the other half was owned by XXXX. I immediately attempted to rectify the situation by applying for a deferment which was approved. However reporting on my credit report are late statuses for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX has been sending my past due status and my monthly statements to an UNKNOWN ADDRESS, for which I am attaching those documents. FYI I was able to recognize the address discrepancy because during one of my conversation with a customer service rep she walked me thru accessing the documents online and I noticed that for some odd reason they were sending certain correspondences to my address XXXX XXXX XXXX but some to an incorrect address for which I have never lived XXXX XXXX XXXX XXXX XXXX XXXX. I added this to explain why I was not more proactive in trying to rectify the situation before it even got to this point where the accounts were reporting past due. Whats wierd is they were sending letters to this address telling me they were unable to get in touch with me to the same address they were unable to contact me at. Looks like they updated my address since. 

Regarding : Account # XXXX Attaching 1. Cares act info 2. Screen shot displaying the past due statuses on my credit report 3. A few documents showing proof that notices were being send to wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: HEARTLAND PAYMENT SYSTEMS INC
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I contacted ECSI Heartland to pay the remainder of a XXXX Loan from XXXX XXXX XXXX. They refuse to let me pay my bill. They said that I can not pay it off until XX/XX/2024, in the meanwhile I will be accruing interest and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I helping my mother who is a non English speaker apply for a mortgage. We applied using quicken loans and they first stated we can get a 3.5 % down. Then the told us it has to be a 5 % down since he owns a home with my dad that is already paid off. Once we entered escrow XXXX XXXX a Solution Consultant called and said he has to change the terms to a 10 % down payment because he feels that my mom job was to far from the home she is getting and that he dont believe she will stay in that job. So he is forcing us to get the home as a secondary property which is that what we first agreed to. My mom feels deceived and lied to by this company they are denying her a mortgage by increasing the down payment to go over her availability funds. From 5 % XXXX to 10 % XXXX when she only has XXXX available. Since she is a XXXX residence we also feel she is being discriminated based on her national origin since he is refusing to close escrow unless she can provide more money for the down payment which they never mentioned when we first started the process. They where aware of all the fact of her job location current home and the new home she was applying for why wait until we are in escrow to change the requirements and threaten to cancel the loan application if she can not obtain twice as much for the down payment the first ask for. This is unfair, misleading, practices from quicken loans. 
Here is his info who is refusing my mom a loan. 

XXXX XXXX Solution Consultant Direct : XXXX XXXX XXXX XXXX Fax : XXXX XXXX XXXX XXXX | NMLS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
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:
The credit bureaus stated my account was properly investigated, but how is that possible if the high balance, last verified dates, dates of last activity, date reported, date opened, balance owed, creditor type, last payment, term length, account type, payment frequency, payment status, account status, two-year history, payment status, and days late- 7 year history are not accurate. This is grounds for removal and they also violated my rights under 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, also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
THESE ACCOUNTS IS NOT MINE 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any itemslisted on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started the process of filing for a Home Equity Loan with Bank of America on XX/XX/2022. At the time, their website and all information provided to me indicated that they would assign a processor to my application within 7-10 business days. Based on this, I signed the required disclosures, formally submitted my application and the process began. Bank of America made a hard inquiry on my credit report. Today, XX/XX/2022, I called Bank of America to follow-up on some forms that they sent me in the mail as I had questions on how to fill them out. It was at that time that it would actually take up to 8 weeks to assign someone to process my application. That is too long of a time frame for me. Had they been up front about this timeline, I would not have chosen them. However, since they have already made a hard inquiry on my credit report, I am kind of locked in with them. Other lenders actually made note of the hard inquiry on my credit report and they reached out to me asking if they could meet my home equity needs. However, since I already had a hard inquiry on my credit report from Bank of America, any further hard inquiries would diminish my ability to obtain a home equity loan, so I declined the other offers while I waited on Bank of America. 
Being told it will take 7-10 days in order to get someone to submit an application, locking them into the process, and then later telling them it will actually take 8 weeks is deceptive. It's bait and switch. I have a deadline I am working under for home improvements and 8 weeks is too long.

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 2022-08-11
Company: EQUIFAX, INC.
State: MS
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 mortgage with XXXX XXXX was in Covid 19 deferment relief and we have made arrangements for Deferred balance to be place at end of loan with out interest. They ( DMI/Origin bank ) have reported 180 day late on this mortgage two months in a row. I also learned from an employee of theirs that this has happened to thousands of mortgage holders with them. This has caused my to have a denial on a requested loan from XXXX. I was trying to secure a loan for my freshman college student. Now the loan has been denied because of this action on their part. My credit score has also faulted over XXXX plus points on all credit reporting bureaus. Payments are {$1800.00} and have been paid as agreed...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian has still not sent me verification of the " company '' that they use. By law they have to disclose this information to me as a consumer. I have submitted evidence indicating that the bankruptcy has been removed by " the company '' they use. They keep repeating the same jargon and we are getting no where. I again enclose the XXXX XXXX letter as evidence and the same response with no company listed. Experian please understand as a XXXX veteran I have nothing but time on my hands. I'm really exhausted of the methods the company uses. I ask again PLEASE PROVIDE YOUR SOURCE to me in writing. This the company is not satisfactory.

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 2019-02-05
Company: Lazega & Johanson LLC
State: GA
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 have disputed XXXX ( account # XXXX, XXXX ) several times. The company would remove the account for months even up to a year then it would reappear. I took the necessary steps that customer service instructed me to do, which were to obtain a police report. The documents that I uploaded are the same documents that I sent to XXXX when the company were removing the account ( I only updated ftc ). I contacted police station and was told to get report where I initially discovered the account. I even took an extra step and got a FTC affidavit per law enforcement. I submitted and again, company would remove for awhile and then it would reappear. 

I don't know what Lazega & Johanson LLC is. I've reached out directly to this company. I have two unauthorized inquiries ( XXXX, XXXX ) Those unauthorized inquiries have been illegally pulled and thus should not be on my report as they weren't authorized by myself, any person ( s ) or company on my behalf.

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 2023-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My cell phone had been taken in the early morning hours or XX/XX/2023. Later that same morning my brother came by to let me know he had sent a transfer to me via XXXX XXXX. I dont have an extensive history in using XXXX XXXX  but my brother had helped me set it up and I knew I would receive the payments into my Capital One account automatically. Upon his leaving I began getting ready to head to work when I noticed my phone and wallet were missing. I went in to work a bit stressed at having neither of the items. I get to work and log into the Capital one site, only to see that what should have been a balance of {$1300.00} had in the course of a couple hours was showing a balance of NEGATIVE {$3600.00}! 

I got light headed and dig deeper into the transactions. I those couple of hours the person who had possession and control of my device had XXXX {$190.00} transactions to XXXX XXXX and XXXX {$190.00} transactions to XXXX XXXX, then processed to shuffle the money through various Third Party XXXX apps. In XXXX case even using my stolen identification to open accounts in my name to shuffle this money back and forth to create one of the most confusing digital trails Id ever seen. Lin a few instances even moving money back into my Capital One account then back out and even used the mobile app to pay my Capital One Credit card bill. At no time did internal bank controls block these transactions or notify me.

Capital One should make me while under the EFTA as I was defrauded. They will not.

Please help as I am only 1 person bs large bank who think they do t have to follow the law.

I am in dire financial straits as they not only want ME to bet this overdraft but have reversed LEGITIMATE transactions I made and never one of this aforementioned {$190.00} FRAUDULENT charges. This has made me have to not only repay merchants but also late fees and return payment fees. I followed Capital Ones dispute process only to have them deny my claim and provide me with a 1/2 page PDF document saying they were denying the claim.

I sit here tonite awaiting the reply to the rebuttal I had made to the first dispute. I must tell you that my hopes are not high. They dont want to admit that their internal controls failed me. And that they failed me. 

Please help me in forcing their hand into doing what is just and fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting 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 was surprise to notice on my credit report accounts that didnt belong to me it impacted me and my family from getting a home loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXXXXXX  Dear EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX I, XXXX XXXX, have written this letter to dispute the inquiry reported on my credit file dated XXXX XXXX, XXXX  by XXXX XXXX. I have not authorized a hard pull by this company. that is falsely listed on my credit report. 





I am disputing this claim as I HAVE NO KNOWLEDGE OF THIS, I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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:
There appear to be a internal coding error of inaccurate information VIOLATION OF FCRA AND REQUISITE XXXX COMPLIANT REPORTING STANDARDS nonconsensual reporting to my consumer file in connection to said mentioned UNAUTHORIZED INQUIRY XX/XX/2021 XXXX my consumer right to privacy has been violated pursuant to 15 U.S. CODE 1681 section 4. congressional finding and statement of purpose : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer right to privacy. 15 U.S CODE subsection 6801 protection of nonpublic personal information ( A ) privacy obligation policy It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumer customers and to protect the security and confidentiality of those consumers nonpublic information. 12 U.S CODE SUBSECTION 1843 Interests and nonbonding organizations ( k ) ENGAGING IN ACTIVITIES THAT ARE FINANCIAL IN NATURE 15 U.S.C CODE DEFINITIONS ( 3 ) ( A ) ( 4 ) NONPUBLIC PERSONAL INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief