BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-27
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act, Section 1681 ( a ) ( 2 ) ( B ), Anything that was extended or authorized from a credit card should be excluded from my consumer reports. You are required by federal law to exclude any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device on a consumer report. According to 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

XXXX, Experian and XXXX are reporting items from inquiries which is authorized by a credit card on my report. They are also reporting items such as XXXX  on my 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 2022-08-12
Company: EQUIFAX, INC.
State: WI
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:
For the past twelve months I have tried and been unsuccessful in attempting to reach Equifax via phone. I have sent letters and faxes that have gone unanswered and have been ignored. When I email, I am given generic responses with no resolution. 
There are inquiries on my report that do not belong to me. Per FCRA guidelines section 609, if an inquiry doesn't belong to the consumer and there is no signed authorization by the consumer then the Credit Bureaus must remove the inquiry. The generic email response is that inquiries are factual, which is false per FCRA. I have contacted the businesses in question, who can't seem to find an authorized signature from me and they tell me to contact Equifax. Equifax tells me via email that inquires are factual ( false ) and tell me they can only remove if a FTC report is sent to them. I comply and send FTC report. Equifax places a fraud alert and then refuses to remove the inquiries in question. I have even asked for early exclusion which I'm entitled to per FCRA and Equifax has ignored my request. At this point Equifax is in blatant violation of my rights and totally disregarding the FCRA guidelines, therefore in violation resulting in monetary fines should I pursue legal action. Equifax is already being sued by many others for their blatant disregard of the law. I demand that they comply and remove the unauthorized and inaccurate inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
FLAGSTAR BANK CUSTOMER Our problem was revealed to us when we attempted to make a substantial principle payment ( {$400000.00} ) to our mortgage on XX/XX/XXXX, which is a HELOC in first lien position. This loan was established in XXXX of XXXX. Though it wasn't mandatory, which decided to establish an ACH auto payment arrangement from the beginning with the bank for worry-free monthly interest payments . Throughout the life of this loan, we would routinely make significant principle payments such as {$18000.00}, or XXXX, sometimes less. Always AFTER the 1st of the month to accelerate paying down the loan. While our latest and most significant principle payment was being held in suspense, I began to look back through the year of our principle payments in the account. I noted the ACH auto interest payments which occurred as agreed on the XXXX  of each month. But later on in the month, when we would make our principle payments, the bank was taking early payments of interest and thereby systematically diminishing the affect of our principle payments. There is no escrow account. We pay all other costs, eg insurance, taxes, etc ourselves. The bank acted outside of the ACH agreement and never informed us that it would do so. I would never have made unnecessary or early interest payments to the bank knowingly. I have demanded that the bank return every payment of interest that it took outside of the ACH agreement ( those payments it took before or after the XXXX of each month ) and return that money to us by applying to the principle balance as we had intended. I have been spending long period of time on hold and speaking to dozens of unhelpful people for days now. I have gotten quite the run around. My contact person last said the bank may be willing to go back 90 days. This is unacceptable. It's theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

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 2023-01-02
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 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, has violated my rights. 

15 U.S.C 1681 section 602 A. 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 an account without my written instructions.

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.

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.

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 2021-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Im aware that XXXX  has closed my account and from what federal laws states in 15 USC 6801S-2 ( 4 ) ( 7 ) If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 15 USC 1681a ( p ) of this title furnishes negative/closed information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative/closed information, in writing, to the customer. As a natural person and consumer clearly, Ive been abused by your corporation. I found out my account was closed through third-party companies which is a violation. I didnt give your company permission to close my account or expose my privacy. Since closed my account please send my rescission forms for my remedy and Im demanding you to remove this closed account from all three of my consumer reports from all three consumer agencies.

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 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Try to call them and the lady whos responsible for my account dont need any explanation or dont want to here anything told me that all she wants to here is you have to pay the whole amount.

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 2023-12-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: Medical Data Systems, 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:
On XX/XX/2022, I submitted a CFPB complaint ( XXXX ) for Medical Data Systems , Inc . This collection agency is reporting collection accounts that I do NOT owe. On XX/XX/2022, the company responded with the following : " XX/XX/2022 Complaint XXXXase No. XXXX Consumer Name : XXXX XXXX XXXX XXXX : NAME : Medical Revenue Service ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX PHONE NO. : ( XXXX ) XXXX Dear XXXX XXXX : Thank you for taking the time to communicate this matter to us. We pride ourselves in maintaining the highest quality standards for each of our clients as well as consumers. We take these complaints very seriously. It is our policy that all complaints undergo a thorough investigation ; and the results of this investigation are as follows : Account number : XXXX & XXXX XXXX has submitted a deletion request to the credit bureau on the above-mentioned accounts due to incorrect address at placement in collections. Account number XXXX XXXX no longer services this account. You will need to contact the original creditor to dispute the validity of the above-mentioned account. No other contact has been made on this account. Attached are the itemized bills, consents, deletion letter, cancellation letter and balance letter for your records. If you have any further questions, please do not hesitate to call XXXX to speak to a representative. Sincerely, Support Manager This communication is with a debt collector. '' I have contacted XXXX several times via mail to dispute the inaccurate collection accounts reporting on my credit reports. 1 out of the 3 of the collection accounts were removed. However, there are 2 collection accounts that need to be removed immediately. I had veteran 's health insurance at the time of my medical visit and should have never been billed. These errors are extremely injurious to my financial character and have caused me to be denied for funding on a mortgage because of open collection accounts. These accounts should be removed urgently or I will be forced to file suit for negligence and damage to my creditworthiness, amongst other things.

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 2022-11-10
Company: EQUIFAX, 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 to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : 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 reporting agency can not furnish an 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 2021-10-21
Company: Credit Corp Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ordered a vacuum from XXXX  on XX/XX/XXXX totaling {$610.00}. I did not receive a shipping notification so I called the vendor multiple times but I did not receive a response. 

I called my credit card company, XXXX, and asked them to dispute the charge. They did and they found that I should have my funds returned to me. 

I received an email from XXXX on XX/XX/XXXX stating the funds would be returned. I then began receiving emails that I owed XXXX the amount of the funds returned to me {$610.00}. I tried to call XXXX many times but it only asked for an account number which I did not have and the reference number from the email did not work. I did not create a XXXX account. ( Later I found out it was an account created by the merchant to process the transaction ) On or about XX/XX/XXXX I received a letter from XXXX  XXXX XXXX stating that I owed {$610.00} to XXXX. I called them and spoke with XXXX XXXX. He listened to my story and he said he would get more information. I spoke with him several times and he finally said he would send a letter to XXXX asking for the charge that was the cause of the collection account. 

About 6 weeks later I received a letter showing one transaction on XX/XX/XXXX. I then called XXXX XXXX and I explained to that my discover card billing systems show all the transactions and that their is a billing error on XXXX side. He the. Said he would look into it further and I did not hear back from him. 

My XXXX Transaction dates and amounts XX/XX/XXXX Charged : {$610.00} Credited {$610.00} XX/XX/XXXX Credited {$610.00} XX/XX/XXXX Credited {$610.00} XX/XX/XXXX Charged XXXX XX/XX/XXXX Charged XXXX In XXXX of XXXX I received a letter from credit Corp solutions. I was surprised because I through XXXX XXXX had resolved the issue. I called them on XX/XX/XXXX and spoke to XXXX XXXX who after hearing my story offered that I pay these fraudulent charges at a 30 % discount. I then asked To speak to a supervisor. He transferred me to XXXX XXXX. XXXX explained the same thing that it does not matter and the time has passed for me to question the validity of these charges. She said that I should have called pay pal. 

This website - gXXXX - was a fraudulent website to post a fake sale and steal money from hard working people. I never received the product and I am being harassed by these collection agencies even after explaining I do not owe these charge. I have offered multiple time to provide my statements showing that the money is not owned and each person I spoke to refused to look at them telling me it does not matter. 

Can you please help me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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: Investigation took more than 30 days

Complaint:
In XX/XX/2023 I paid my credit card Balance in Full ( {$450.00} ) In XX/XX/2023 my XXXXXXXX XXXX Acct was Hacked. When my checking acct was hacked. Unknown parties gained access to my checking acct and filed claims against payments to merchants that I made from XXXX. During the investigation XXXX recalled the payments to numerous merchants... placed the money back into my checking acct and unauthorized person ( s ) took the refunded money in the amount of {$3900.00}. from my acct. Even after I contact XXXXXXXX XXXX  and attempted to stop my payroll check. XXXX reassured me over and over again they would place my payroll for XX/XX/2023 in a holding acct. That didn't happen. XXXX took my entire payroll check. 

XXXX closed my bank acct once I contacted them in XX/XX/2023 to find out why there were claims against payments. I never filed any such claims. 
I was finally able to obtain my bank statement via US Postal Service. from XXXX Bank. 

I called Capital One and a representative sent me a link to attach my XXXX Bank Acct statements : # 1 Statement- Capital One acct payment made in full XX/XX/2023 therefore I had a {$0.00} balance. 
# XXXX XXXX XXXX reversed by XXXX # XXXX Statement-Reflecting dates amt amounts returned to Capital One.

I was told at that point to allow 7-10 business days for Capital One to resolve the issue. 
I placed another call to Capital One after 7-10 business days and was advised to resend the statements because they were never received. The representative sent me another secure link to attach my proof of payment / statements ... and again I was told to please allow 7-10 business days.

I called after 7-10 business days and the representative said he had to Conference CalXXXX with XXXX XXXX  to verify if I was the sole bank acct holder. The representative made the conference call with XXXX. I verified the information needed by Capital One... Again ..Capital One representative said please allow 7-10 business days.

In the meantime, Capital One is sending me notifications that my Credit Card Acct was delinquent. Because I was afraid Capital One was reporting late payments to the credit bureaus, I made a payment on acct that I don't owe any money on.

Now today I followed up with Capital One and was told they now need the actual debit card # that was attached to my checking acct. I shredded the card after XXXX Closed my checking acct. 
Now I don't know what to do. I've complied with every request from Capital One to get this matter resolved but every time I call/ follow up I'm told there's one more thing that I have to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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: Information belongs to someone else

Complaint:
A few years ago, someone filled federal taxes in my name, which now requires me to use an IRS issued identification number to file my taxes. Now, someone has taken out an ample amount of credit in my name, which is beyond frustrating. I noticed this issue when i pulled my credit report on XX/XX/2023. I pulled my credit because I am interested in pursuing my XXXX XXXX & wanted to apply for FAFSA ( federal aid ). I figured to check my credit before applying for federal student aid. I have filed a dispute with XXXX, Experian, and XXXX. 

All of the information ( credit reports, Identify Theft Victim 's Complaint and Affidavit, my state identification, and a list of items that are fraudulent ), is attached to this report, in which the accounts listed in the documents that start with 'Exhibit to FTC Affidavit Page ... ', are fraudulent. 

What boggles me is that I have fraud alerts ( freezes ), on my reports. However, lately ( within the past few months ), i've been receiving weird, unknown calls.

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 2023-12-04
Company: Mr. Cooper Group Inc.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
We recently received an email from our insurance agency saying that our mortgage company ( Mr Coopers ) contacted them to try and make a late payment on our homeowners which has been lapsed since XXXX due to them missing a payment. This was the first that my husband and I had heard from anyone about it being lapsed. We have never had an issue with it being paid out of escrow before in the 5 years we have had the policy. Mr. Coopers is blaming the insurance company for not sending them a bill and the insurance company is blaming the mortgage company for not notifying them that they purchased the mortgage from XXXX XXXX XXXX. My husband and I are now being forced to purchase a state insurance plan with a XXXX dollar premium when the policy we had before was only XXXX. We will likely not be able to afford our house note. Mr. Coopers also sent us a letter in the mail two days ago stating that we will have to reimburse them for the insurance during the time period that we were lapsed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested a copy of the contract to pay the alleged debt collector and the debt collector failed to verify debt owed to them. Debt collect could not furnish a signed contract for me to pay the alleged debt to their agency.

Company response to consumer: Closed with explanation