BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
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: Account status incorrect

Complaint:
On XX/XX/2020, consumer disputed account online in which the consumer requested that the XXXX XXXX account be removed as the consumer is NO LONGER an AUTHORIZED user. The consumer is not the primary card holder and therefore the account should not still be reporting on the consumer credit file. Reason for the complaint is that Experian returned the results on XXXX XXXX. 2020 showing updated payment and balance on the account and also showing the account to be active. Experian did not conduct investigation as the consumer requested because if they did their job properly they would had removed the account from the consumer credit file. This reporting is not reflecting a true accuracy and it's effecting consumer 's credit score. The consumer also contacted XXXX on XXXX to verify if consumer was removed as an authorized user and they verified that it was done as requested by the primary card holder at the end of XXXX/early XXXX of 2020. Experian has failed to properly conduct dispute in timely manner with accurate updates.

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 2023-05-24
Company: CITIBANK, N.A.
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:
I was contacted by Citi today regarding a previous issue that has been reported. We were unknowingly signed up for estatements. We don't do estatements never have and never will. Why? Because those will go often into junk email and will get overlooked or automatically deleted. 

Citibank states we signed up for estatements in XXXXXXXX XXXX XXXX. Neither my wife nor I signed up KNOWINGLY. They claim they sent an email indicating that we were signed up, again, if we UNKNOWINGLY signed up, we would never see that email because it would-likely go into JUNK email. 

We missed a single payment because of this. Did Citibank send out a letter indicating that we had missed the payment? They did now. Did they send out a letter asking if we meant to sign up for estatements? They did now. Sending an email that wouldn't get read is not doing their due diligence. 
What's more, they claim they made 10 calls to my cell phone to try and let us know about the late payment. This is the first time they have stated this. If they did ( and I have no missed calls from them. I have attached a call log for my phone that they " reached out '' to me. I have no messages from anyone at Citibank ( and the woman I spoke with today did not indicate WHY they would not leave a message which other credit card companies DO. I doubt that they called. Here is my call logs going back a month ) I am more than willing to provide Citi with a copy of voicemails left if Citi and CFPB would like to have them. There are NO MESSAGES from Citi and I have only 1 phone call that I received from them when it was 30 days past due. 

Citi should also have reached out by mail and should automatically do that whenever there is a problem reaching a customer. It's the right thing to do and they didn't do it. The lady I spoke with today had no reason why they wouldn't do that either. I had also indicated that, if we unknowingly had signed up for estatements ( and I don't believe we did-I personally believe that the department that handles that had someone in house do it for folks because they are being incentivized for it like many companies are ).

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 2020-08-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Like many people, my mortgage went into forbearance earlier this year with Carrington Mortgage. During this time, I did not make 2 monthly payments ( XXXX and XXXX ). On the Carrington website, it said that my forbearance period ended XX/XX/XXXX and that I had to communicate with Carrington to make arrangements. Carrington never reached out to me or advised what my next steps were. XXXX XXXX I call them and they direct me to an online survey they were working on ( that was down for system repairs ). XXXX XXXX I fill out the survey. In the survey it asks if I could start making payments, which I said I could start making in XXXX and pay 2x per month for 2 months to catch back up. I get no response after I submit the survey other than a brief statement saying they would be in touch. End of XXXX I call Carrington because I get a statement saying I am delinquent on my loan ( which has been in forbearance )??? I call them on XX/XX/XXXX and they say, ok, no problem, make your payments as planned 2x per month until you are caught up. I say ok, pay 2x on XX/XX/XXXX, and then again end of XXXX / early XXXX. But now they have reported me to the credit bureaus as being 60 days late that lowered my score 136 points! I spoke to Carrington multiple times, had an " escalation specialist '' even call me, agree with me, tell me they would fix with the Credit Bureaus and send me an email ... still nothing. I feel like this can not possibly be right and I feel like they are just so ill equipped to deal with this situation that they are steamrolling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 inaccurate.

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 2023-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2023 I called XXXX XXXX to accept a settlement that was offered to me in XXXX of 2023. I was told they could no longer settle the account because they started an active wage garnishment. I have two issues with this. 

I was never provided a summons by this company so I was unaware of any judgements against me. The company claims a summons was handed directly to me, this is not correct. I would like proof of delivery. 

I spoke with this company many times and was trying to negotiate a settlement. I offered {$1000.00} and was told the client Capitol One refused to accept this offer. I was never once advised during my conversations with the company that my account was going to be submitted for garnishment if action wasn't taken. I had advised the company I had {$1000.00}, If I was properly advised the status of my account I would have figured out a way to come up with the extra money quicker. 

Since I was never properly informed of the intended action taken on this account, I was forced, or bullied, into paying the full balance plus an additional {$30.00} to wire transfer payment. This was the only way to prevent garnishments. It seems very deceptive that a settlement was available 2 weeks ago, but now there is no way for them to accept a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: NAVY FEDERAL CREDIT UNION
State: IL
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:
Navy Federal Credit Union after numerous letters and complaints to the institution they continue to re-age my credit profile by reporting monthly Charge Offs to re-age my accounts. They add late payments that are not late payments and have made over XXXX payments without my consent to re-age charged off accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-25
Company: Experian Information Solutions Inc.
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:
XXXX, Experian and XXXX XXXX are ignoring my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2020-08-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Two mortgage payments were lost via Online pay. On XX/XX/XXXX I was told by my mortgage holder that my mortgage was directed somewhere else. I had to borrow money to pay my XXXX mortgage a second time. Chase failed to protect my funds by helping retrieve them from the wrong recipient. I now have a second mortgage that didn't arrive to the right mortgage company. I didn't do anything different from what I had done it the pass years. There's definitely an internal problem which Chase and will not assist me to retrieve my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, 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 SECTION 2. IT 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 2023-07-21
Company: EQUIFAX, INC.
State: MS
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 sent XXXX, XXXX, and Equifax 2 letters asking them to update my personal information and they still haven't updated my address and name because I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : my name : XXXX XXXX Address : XXXX XXXX XXXX. XXXX, XXXX XXXX This is my only name and my only address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: MS
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Conduent Incorporated
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My card was hacked. I called and was able to cancel the card and order a replacement. However, I have not been able to speak to anyone about it. I was placed into a call queue for at least 45 minutes and no one ever picked up. There is more than {$300.00} in charges from overseas that were taken fraudulently from my account on XX/XX/2020. This account is for Child Support in Pennsylvania and EPPI Card ( Conduent XXXX  ) I just need to speak with someone so that I can get this money refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and did not make the charges.

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 2020-08-13
Company: National Credit Adjusters, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
In 2015 my identity information was hacked and stolen from my employer, they notified me that several employes was affected. I discovered this to be true when I filed for my income tax and someone using my stolen identity had all ready filed on my taxes. Now I have to use an identity code to file. So now my SSN is on the dark Webb. Also someone using my stolen identity opened a fraudulent XXXX XXXX XXXX in the amount of {$1200.00} without my knowledge or arthization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Kass Shuler, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Collection agent is trying to collect a debt that was a result of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Inquiry from XXXX XXXX on XX/XX/2020. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry 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 explanation
Consumer complaint received 2022-12-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Plaintiff : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX Banks ( Last 4 SSN XXXX ) Mortgage Company : Carrington Mortgage Account number : XXXX Property address : XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX My Father, XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX and willed us the personal property at the address listed above. We recently sold this property and completed closing on Tues., XXXX In the midst of closing on the sale of the property, Carrington sent a payoff quote for {$170000.00}. The title company then forwarded to Carrington a wire transfer matching the payoff quote. Unfortunately, Carrington neglected to include the property taxes they paid on XX/XX/XXXX in the amount of {$5600.00}. As a result, Carrington rejected the wire transfer stating it was short by {$5600.00}. XXXX XXXX has consistently tried to rectify this matter by receiving an updated payoff quote. It has not been received. I called Carrington today to see what I could do to expedite the payoff quote, and because the process usually takes 3-5 business days, we will be charged additional funds- though we closed on the sale of the house on XXXX 

Issue : Carrington continues to add fees to our balance, while they also have neglected to provide a payoff quote including the total balance owed. 

Issue : Because Carrington rejected the payoff from XXXX XXXX, we were charged {$50.00} in wire transfer decline fees by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Inquiry from XXXX on XX/XX/2019. I dont not recognize this lender or giving authorization to perform a hard inquiry.

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 2023-05-03
Company: EQUIFAX, INC.
State: GA
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:
I have never been late with these accounts, and I kindly request that you update my credit report accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Inquiry from XXXX XXXX XXXX on XX/XX/19. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry 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 explanation
Consumer complaint received 2020-08-13
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: Old information reappears or never goes away

Complaint:
My name is XXXX XXXX. There is a very old account that continuously reports on my credit file with XXXX ( account number XXXX ) and it's past the statutes of limitations and needs to be deleted immediately.

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