BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
Company: Common Wealth Mortgage Services
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2022, we asked our servicer to help us with the XXXX XXXX XXXX XXXX forbearance. We were falling short on money due to covid, and lack of work. The forbearance was set up, and we requested documentation on how the forbearance would work, how it would affect us : such as repayment and any changes to our mortgage. They promised time and time again that they would email and reach out to us with this information. At least ( 5 ) separate occasions we called and got the same response : that they would email the info. No written documentation was ever sent, pertaining to the future. We were only given verbal reassurances that all the debt would be added to the end of our loan. We were fine with this, as we have plenty of time to save being new home owners. 
Now : we are back on track to paying our mortgage regularly, and we ask if we could have our PMI insurance removed as we have met our 25 % equity requirement. We were told to pay a fee, to have the house appraised ; so, we did. An individual came and took pictures, then told us at the end that he was not doing an official appraisal. The next thing we know, we received a letter from the servicer stating that we owe XXXX XXXX dollars, and that our mortgage is going to increase by a third from {$1600.00} to {$2200.00}. We can not afford this, and will probably end up in foreclosure in due time. What should we do?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One Business Card {$2400.00} Opened XX/XX/XXXX Closed XX/XX/XXXX This is a business account belonging to a company, It should not be on my personal credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i do not know this account as mine, i tryed to verify this account but they culd not proof this amount as mine, {$22000.00}, i think this is mistake andt wrong account.. i sent to them a validation debit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Improper use of credit reporting. No evidence have been shown. Incorrect information

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 2023-06-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 1681 Section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX has incorrect account information. This was paid and should have never went to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: The CMI Group, Inc.
State: SC
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:
This collection agency has furnished a medical record to my consumer report illegally without my authorization under HIPPA.

HIPPA is a federal law that required the creation of national standards to protect sensitive patient health information from being disclosed without the patients consent or knowledge Permitted Uses and Disclosures The law permits, but does not require, a covered entity to use and disclose PHI, without an individuals authorization, for the following purposes or situations : Disclosure to the individual ( if the information is required for access or accounting of disclosures, the entity MUST disclose to the individual ) Treatment, payment, and healthcare operations Opportunity to agree or object to the disclosure of PHI An entity can obtain informal permission by asking the individual outright, or by circumstances that clearly give the individual the opportunity to agree, acquiesce, or object Incident to an otherwise permitted use and disclosure Limited dataset for research, public health, or healthcare operations Public interest and benefit activitiesThe Privacy Rule permits use and disclosure of PHI, without an individuals authorization or permission, for 12 national priority purposes : When required by law Public health activities Victims of abuse or neglect or domestic violence Health oversight activities Judicial and administrative proceedings Law enforcement Functions ( such as identification ) concerning deceased persons Cadaveric organ, eye, or tissue donation Research, under certain conditions To prevent or lessen a serious threat to health or safety Essential government functions Workers compensation The reporting agency are not listed under the 12 priorities listed above. 

This illegal reporting of my medical record has caused me to be denied for a mortgage loan damage my reputation, character, and livelihood.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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: Personal information incorrect

Complaint:
To whom it might concern. My only and correct name as it appears on my social security card and ID is XXXX XXXX XXXX XXXX. My only and correct social security number is XXXX. My only correct address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX. My only Phone number is XXXX Please delete any name that is not matching my proof of identity. Please delete any addresses that you are reporting which are not on my proof of address attached. Attached to this letter you will find a copy of my identification, proof of address and proof of social security number. Once my request has been processed, please mail me a copy of my updated credit report reflecting these changes. My only job is XXXX please delete any other job that is attached to my file. 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 2023-05-29
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The syphinmy Amazon card has payment allocations options. 

These options are only available on the " full site '' -- there is zero indication this is an option in either their mobile website nor their mobile XXXX XXXX 

It feels like they are hiding this feature to increase fees. It's the radio buttons, that isn't hard to give me on my phone where I actually interact with this financial product

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 2023-05-29
Company: Experian Information Solutions Inc.
State: TN
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX XXXX XXXXXXXX XXXX Account # XXXX, has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-05-21
Company: EQUIFAX, INC.
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 the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: TX
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.

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 2023-05-29
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I just received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: TX
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:
Please see the attached response from the company and update the late payment on my credit report for account XXXX XXXX XXXX. This should have been updated months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
When I requested to be accommodated I was told that it would be better if we ended our relationship.

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 2023-10-31
Company: EQUIFAX, INC.
State: TX
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.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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. 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, has 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 : It also states a consumer report agency can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Sections 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 non-monetary relief
Consumer complaint received 2023-02-02
Company: BARCLAYS BANK DELAWARE
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2022 I sent Barclays a letter requesting debt validation pursuant of to the Fair Debt Collection Practices Act, 15 USC 1692g stating their claim that I owed an alleged debt was disputed and validation is requested. I respectfully requested their offices provide me with competent evidence that I have any legal obligation to pay you. At that time time, I also informed them that if their offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact if any negative mark was found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. As you can see in the attachments, Barclays reported negative information to the consumer bureau 's without validating the alleged debt they have in my name. I also provided to them an invoice to pay for the 7 violations of 15 USC 1692 that Barclays has committed in the process of defaming my character. 

P.S. 

The following attachment is the notarized Affidavit of Truth I sent as well as a Debt Validation Letter, Cease and Desist and finally and invoice for the violations committed. The last page will show a return mailing receipt signed as evidence that they received these documents over 30 days ago and have failed to respond.

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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights and confenditiality under 15 USC 1681. 
Account # XXXX, and Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 States I have the right to privacy.

15 US.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions. 

15 U.S.C 1681C. ( a ) ( 5 ) Section States no consumer 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 reporting agency if the person knows or has reasonable cause to believe that the inforamation 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 non-monetary relief
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: MO
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 been submitting multiple letters and countless CFPB Complaints requesting that the Equifax Credit Bureau remove the disputed unauthorized inquiries that are reporting on my Credit File. These inquiries were never authorized and I never allowed anyone to use my personal information to inquire anything on the date shown by these inquiries. Under the FCRA section 605b, I am requesting that the Equifax Credit Bureau remove the disputed unauthorized inquiries completely from my Credit report. Im attaching the required FTC Report for Equifax and the bank 's records. Please remove these files. If Equifax feel there is a possibility these inquiries belong to me I will require all documentation that bears my signature. If Equifax Credit Bureau do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Please remove the following Items : XXXX XXXX XXXX XXXX, MO XXXX XXXX  date of inquiry XX/XX/202XXXX XXXX date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: OneMain Finance Corporation
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have recently faced the unfortunate situation of losing my job, which has caused financial strain and difficulty in meeting my bill payments. During this time, I encountered an advertisement from OneMain Financial offering a short-term loan. Without thoroughly reading the fine print, I proceeded to obtain the loan. However, I soon found myself falling behind on payments and struggling to afford both the loan and the company 's charges. 

To my dismay, OneMain Financial offered me another loan with a slightly higher amount to assist in paying off the initial loan. However, this came with additional fees and an increased interest rate. As a result, I am now burdened with the obligation of paying {$230.00}, and failure to do so would lead to my account being sent to collections. 

In my attempts to find a solution, I reached out to the company to negotiate a smaller payment. They agreed to accept {$110.00} on XXXX occasions, but after that, they expressed their inability to assist further. Compounding the issue, each day I am unable to pay the full amount, the interest continues to accrue, similar to a car loan. 

Had I been aware of these unfavorable terms, I would have never taken out the loan. It is clear to me that OneMain Financial has put me in a difficult situation without showing any concern for my well-being. I am in desperate need of assistance. Any help you can provide would be greatly appreciated.

Company response to consumer: Closed with explanation