BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: LA
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/22, but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these item, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan has an unknown ecrow payment increase that resulted in a {$400.00} increase in my monthly payments. It has forced me to apply for a new loan with an increased payment just to avoid losing the home. This all occurred when my loan was bought by Mr Cooper and there are new notices of hazard payments that I do not recognize without any details of these increases itemized on my statements. I have reached out to my insurance company as well to research this but Mr Cooper states forced hazard insurance is not removeable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Good evening, my name is XXXX XXXX XXXX. I applied for a Capital One credit Card on XX/XX/2019. I got 2 inquires instead of 1.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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:
I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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

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 2022-05-27
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, My mortgage bank has been denying a few times to : 1- refinance 2.-several attempts of modification denials for no acceptable reason I also intended to apply for a program related to covid apparently a fair interest rate was to be in the process but was never completed, this has been rejected due to timing the institution caused, eventually higher and higher interest seems to be in their plans for my modification loan to be considered, I was born in XXXX, I'm an elderly getting approaching XXXX XXXX XXXX, I fell I'm been ignored maybe because my age, my lack of English and other facts such as not able to hire an attorney to defend my situation, people in that institution are very rude not polite and I can never get in contact with a " single contact '' that was supposed to be assigned to me. I just want to be able to retire comfortably with a mortgage payment that they promised me, I have been making my mortgage payments on time and I still receive threats of my home will face foreclosure. 
They are several documents that support my case available including contracts that they unfairly discharged, the name of the bank is Freedom Mortgage please advise. 

Thank you, 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 2023-08-09
Company: Experian Information Solutions 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:
Hi, I hope your day is going well, but I need your help. I noticed inaccurates with my credit report. its really hurting my well being and ability to move forward in life, after some research i came across this informattion from CFPB. Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximumpossible accuracy of the information concerning the individual about whom the report relates. 

Inaccurate Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-26
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:
Complaint on 2 companies : XXXX XXXX XXXX and XXXX XXXX XXXX. 

XXXX. XXXX XXXX XXXX : ( XXXX accounts ) A ). XXXX  XXXX - {$710.00} B ) XXXX XXXX- {$900.00} Description : XXXX XXXX XXXX has written, called, emailed, and has reported this inaccurate information on my credit report. I have disputed these accounts online several times. The last emails from XXXX XXXX were on XX/XX/22, XX/XX/22, and XX/XX/22. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the 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.

15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

2XXXX XXXX  XXXX {$770.00} ( One account ) Description : XXXX XXXX XXXX has written and called, and has reported this inaccurate information on my credit. I have disputed these account online several times. The last letter from XXXX XXXX XXXX was on XX/XX/22. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the 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.

15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, 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:
XXXX XXXX XXXX ( XXXX ) and XXXX  ( XXXX ) are violating my rights. 

I am rejecting their response because I have already been in contact with this company and spoke with supervisor XXXX whom was very defensive. I politely asked them to provide me with the original contract of this claim and all she told me was that they have a Sales Certificate and there is no law that says they have to have the original signed contract. When she stated that she just admitted that they do not have the contract and violated my rights as a live human being. I also noticed on my Credit Report that this company is reporting this account TWICE under two different names, one is named XXXX  and the other is called XXXX XXXX XXXX. Both accounts are not accurate at all and is fraudulent while hindering my report. I ask again for it to me deleted IMMEDIATELY from all 3 Credit Reports and under my Social Security Number. I have attached below proof of everything I stated above. 

How is this account accurate if the account type is inaccurate, the account numbers are different for the same account, NO Bureau code, different Account types, term duration is inaccurate, inaccurate open dates, the balance is inaccurate, last reported date is inaccurate, & the date last active is inaccurate. Any automated response, or E-Oscar verification is unacceptable. Verification of each account should match according to the Metro 2 Compliance standards. The two accounts listed is entirely inaccurate and incomplete, and must be deleted. 

15 U.S.C. 1681 ( A ) ( 4 ). - I have the right to privacy.

15 U.S.C. 1681b ( A ) ( 2 ) - Consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c ( A ) ( 5 ) - Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681i ( 5 ) ( I ) -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if the item is found to be inaccurate/incomplete it must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
There's incorrect personal information on my credit 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 2022-10-17
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: LEXISNEXIS
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:
I have written all credit reporting agencies who have said they have verified this information including XXXX XXXX. They have not provided any proof on how the information was validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EdFinancial Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been trying to get a refund for payments made during the covid forbearance. My refund has been processing for 30 days with no updates. I have {$320.00} coming to me in the form of a refund and received no confirmation email that this was processed. When I chat with someone, they keep telling me it's still being processed. This is becoming increasingly frustrating. I have no proof just by what agents tell me that they started the process, I have applied for the student loan forgiveness and want to make sure my refund is added back to the current balance of my loan, so it is paid in full. My loan company is Ed Financial, is there any way to get this process sped up?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
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:
While checking my credit report, I notice an account from XXXX XXXX/XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. I received a letter from them on XX/XX/XXXX, informing me of a collection company, XXXX XXXX XXXX XXXX, that had acquired my account. I sent them another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. It is now XX/XX/XXXX and I have not received an answer from them, and they are still reporting negatively on my credit report. I also sent certified letters to Experian and XXXX  along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX  XXXX/XXXX is reporting. So far, I have not gotten a response from them. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2022-10-11
Company: Experian Information Solutions 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:
in accordance with the fair credit reporting act # numbers 1st account is XXXX XXXX, XXXX account is XXXX bank XXXX, and XXXX XXXX XXXXXXXX have violated my rights. 15 u.s.c. 1681 section 602 a states i have the right to privacy 15 u.s.c. 1681 section 604 a section 2 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 explanation
Consumer complaint received 2022-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Eight XXXX transactions were unauthorized by me, but transferred out of my account without me knowing, leaving it almost completely drained. The total amount is {$5800.00}! I'm XXXX XXXX XXXX and this is money I've saved over the last 3 1/2 years working part-time. I was in my last weeks of XXXX &XX/XX/XXXXduring this time and was not in my bank account so I didn't notice this was going on until I received an alert that my account balance was low. I never received a call from the bank 's fraud department questioning these transactions ( which are not in my spending pattern ) or a hold was not even put on my account. My account since has been closed so I had to redirect my current direct deposits from my job to my mom 's account until this is resolved. The transactions are as follows with the names of the individuals : XX/XX/XXXX - {$100.00} - XXXX XX/XX/XXXX - {$250.00} - XXXX XX/XX/XXXX - {$500.00} - XXXX XX/XX/XXXX - {$1000.00} - XXXX XX/XX/XXXX - {$1000.00} - XXXX XX/XX/XXXX - {$1500.00} - XXXX XX/XX/XXXX - {$1000.00} - Noble XX/XX/XXXX - {$500.00} - XX/XX/XXXX I filed a claim with Bank of America on XX/XX/XXXX and they denied it on XX/XX/XXXX in a letter I received by e-mail. My mom and I called and they said to get our wireless phone company records to prove that I didn't send texts authorizing codes for these transactions. We called XXXX and they said there were suspicious texts received in the middle of the night on XX/XX/XXXX from an invalid looking number. We faxed Bank of America these text messages records and a letter explaining everything attached to it. I received an e-mailed letter on XX/XX/XXXX denying my claim again! This is so very frustrating because it's obvious I did not do this... draining my account within 2 weeks through XXXX transactions from the money I've saved gradually over 3 1/2 years!! I need help getting this money back from Bank of America because it's my rights through Regulation E protection. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: U.S. BANCORP
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
My issue is trying to cash a U.S. Savings bonds that I bought at this institution ( U.S. Bank ) many years ago and now without warning they have suspended cashing of bonds and referred me to TreasuryDirect.gov. The US Bank website says they can provide notary services which is needed in the mail process of cashing bonds over {$1000.00}, but will " temporarily '' not cash U.S. Savings Bonds due to fraud. 

I have been a US Bank customer for 30ish years and have cashed a bond at this institution about a month ago. I went into a U.S. Bank branch in XXXX Missouri on XX/XX/XXXX where I was told they would not accept U.S. Savings Bonds for redemption due to high fraud. The teller then directed me to the TreasuryDirect.gov website. 

It is interesting that on the TreasureDirect.gov site it says cashing is easy as over 95 % of banks cash them ( not US Bank ). I read up on the mail in process at TreasuryDirect.gov then downloaded the form and completed it with the exception of the notary service. On XX/XX/XXXX I went to the U.S. Bank in XXXX Missouri where I was told they do not do notary work on the weekend and I should try UPS. After going to UPS I was not ready to pay a {$10.00} fee for two needed signature notaries. 

This is a major issue when an institution acts as an agent and sells a financial note and then decides they no longer honor the note ( a U.S. Savings Bond should be secure ). I am an older customer and this makes life extremely difficult trying to get access to my retirement funds. After being a customer of US Bank for so many years they should trust me by now and honor the bonds.

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 2023-07-13
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: SECURITY FINANCE CORP
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: Credit inquiries on your report that you don't recognize

Complaint:
I never applied for any car loan and when I call they told me the dont know anything I have to call credit bureaux.

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 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 had an account with XXXX XXXX XXXX XXXX XXXX XXXX with a limit of XXXX. I received a letter, email and text stating that the company would no longer be able to honor credit moving forward, but there would be no negative impact on credit as a result of their closing accounts with XXXX customers. 

My account has always been paid on time and was currently at a XXXX  balance owed status. I was disappointed that I would no longer be able to utilize the card, but understood that COVID-19 has caused many challenges for banks and businesses, so I accepted that the account would be closed shortly. 

Most recently, I looked at my credit report and noticed that they left a remark stating " suspended. '' My score dropped 34 points from " Good '' to " Fair! '' I immediately called them to inquire why the remark was left on my account, but they did not have a clear answer. They only stated that it was the standard remark placed on all the accounts before they close them permanently. 

I clearly understand that a bank or agency may no longer able to extend credit, but I don't understand how a stellar account holder in excellent standing is able to be penalized for their inability to continue business practices.

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