BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was denied by my servicer for a CARES Covid19 forbearance stating its because I had a CARES forbearance back in XXXX and completed in XXXX of XXXX with a partial claim. 
In XXXX of XXXX I contacted my servicer due to a major illness in my family due to XXXX XXXX causing a loss of income and causing work to be missed. Now I have fell ill to XXXX XXXX and then last week suffered a XXXX XXXX causing my hospitalization. My mortgage servicer Flagstar said that specifically HUD denied my CARES forbearance even though on my mortgage companies website it says that I have an active forbearance. I spoke with several managers and they all said that they're trying to fix it. I then got a call from an agent who said HUD denied me and there's nothing I can do. I sent over copies of emails from HUD stating I was in fact eligible for another initial forbearance based on the CARES guidelines updated in XXXX of XXXX. I asked for a copy of this HUD denial from Flagstar because I want to send it to HUD. Its been two weeks and I have not received a copy of this denial. I have spoken to several professional in the mortgage industry and they stated Flagstar is incorrect. The XXXX forbearance I had back in XXXX that was completed with a partial claim is not relevant to a new case of XXXX hardship. It would only be relevant if i never brought my account current but I did. Please help. My 401k company denied me taking funds out to cover my mortgage and this is not fair. I have read all the HUD guidelines on Cares and its clear that I would be eligible for a new initial forbearance. I just need help while myself and family recover and get back to work. Others are receiving this same assistance that I am being denied for.

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 2023-05-18
Company: EQUIFAX, INC.
State: MA
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:
Equifax is reporting two fraudulent inquiries on my credit report. one is from XXXX XXXX  XX/XX/XXXX and the other is from XXXX XXXX XXXX XX/XX/XXXX. I have not personally done business or given any permission for these companies to pull my credit. These inquiries need to be deleted from my report immediately or I will be pursuing legal action with my team. Ive already disputed and Equifax did not do any investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 A letter sent to me from XXXX XXXX XXXX a collection agency.

regarding breach of lease agreement in the amount of XXXX I was a cosigner for my daughter on a lease for a rental. She had paid all her rent owed every month. When she left we cleaned the space and a couple weeks later the landlord sent a letter of damages due minus the security deposit. He sent it with several invoices from companies to perform work of said damages. these were only estimates not paid work that was done. The charges were from everything from gardener picking up dog feces to a charge for the entire property being pressure washed. Approx 3000 square feet. her rental space was an attached two bedroom granny flat to the primary home.

and other charges for repairs for his property that have nothing to do with the rental space. When I called the collection agency they informed me it was filed by a third party and that I needed to reach out to the person listed as the creditor. Which is the landlord, I called him several times and he has not returned my phone calls. I have sent a certified letter to both the creditor and collections agency that I strongly dispute this action. How can a landlord turn a renter into collection for made up charges for repairs to his property that he has not even paid for himself and these charges are false ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received an inquiry on my credit report in XX/XX/2023 from XXXX XXXX XXXX XXXXn XX/XX/2023. Shortly after I received a card in the mail. I had moved from XXXX, IL to XXXX, MO in XX/XX/2023 and the card was originally sent to the old address and forwarded by XXXX. I called XXXX to tell them I had not authorized or applied for the card. The rep I spoke to confirmed that it was already flagged as fraud on their end and they had closed the account. I was told there was nothing else I needed to do, so I shredded the card and documents. I have since had the card reported on my credit, along with a missed payment reported. In XX/XX/2023 I initiated a dispute. I received a letter from XXXX stating they were unable to determine what I was disputing. I do not have a full account number since I shredded the documentation, but the letter I received from XXXX states the card ended in 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 2023-05-18
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: Credit inquiries on your report that you don't recognize

Complaint:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After reviewing a copy of my credit report, I noticed two collection accounts placed on my credit report from Americollect. I also am a victim of identity theft but because I have no idea and never been contacted by this company I am unaware if this is an account that falls under one of the fraud accounts. Therefore I am requesting that you allow my attorneys and me to validate these alleged debts. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, my attorneys and I are allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties agency. I did not give permission to any of my current or prior medical providers to release any of my medical information and/or records to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients ' signed authorization. I have never given the authorization to release any information in accordance with my rights under HIPAA. Therefore, my request is three-fold validation of debt and HIPAA authorization. Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Also, provide an original copy of the contract with the original creditor that gives you the right to collect debt pursuant to the FDCPA. Cease any credit bureau reporting until the debt has been validated by my attorneys and I. Furthermore until a debt can be validated by me, I am allowed under the FCRA to have any debts in relation to be removed from my reports until the items can be validated by my attorneys and I. Please send this information to my address listed or to through the CFPB portal and accept this letter sent via the CFPB complaint portal as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting or accounts being placed with the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with the above requested proof. Upon receiving it, attorneys will correspond back by certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
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: Was not notified of investigation status or results

Complaint:
Sent dispute letters via certified mail on XX/XX/2022 to Experian disputing items on my credit report that are not mine. Experian received & signed for the certified documents on " XX/XX/2022, XXXX pm. '' All proof is provided in the uploaded documents. 

Per my letters, " If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.

Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed above within 30 days from the date above this letter, then you must remove these accounts from my credit report immediately. '' Experian has failed to provide legal documentation & requested files to verify accuracy of the items in dispute within 30 days from the date of my letter, so Experian is legally required to remove the items in dispute at once. If Experian fails to comply with FCRA 15 U.S.C. 1681i, I will move forward with the process to sue Experian for " negligent & willful noncompliance. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Experian Information Solutions Inc.
State: KY
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:
Due to the lost of my identification a couple of years ago, my identity has been seriously compromised and all of these fraudulent inquires I'm demanding to be removed immediately for this is hindering me and is a strain on my true credit worthiness. 

Please remove the following fraudulent inquiries. 

1 ) XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) GXXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX XXXX (XX/XX/XXXX ) 8 ) US Dept of EDU ( XX/XX/XXXX ) 9 ) XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX (XX/XX/XXXX ) 13 ) XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX ( XX/XX/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 2019-03-27
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I just wanted to correct a dollar amount from my 1st complaint I filed in XXXX that I mentioned in the new XX/XX/XXXX account number XXXX I said that est {$4000.00} was returned to me but it was est {$400.00} sorry for the mistake

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: NC
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:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: TN
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:
I checked my credit report and saw my personal information was messed up. I have misspelled names, my address, my phone number, and even my work history is not correct. I attach a letter with the correct address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-28
Company: EQUIFAX, INC.
State: NY
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:
Upon review of my credit report ( Equifax ), I discovered there is more than one account incorrect account balances. My records show that I have two accounts with this company the account numbers are XXXX and XXXX Account number XXXX is reporting 4x and according to the Fair Debt Collection Practices Act its illegal to report the same tradeline 4x. I disputed with Equifax on XX/XX/2020 about tradelines with XXXX who are on my credit report reporting 4x for the same account with the same account number. On XX/XX/2020 I received a dispute notification from Equifax and the same information is still reporting on my Equifax report. All 4 tradelines are still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2023-05-18
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a 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 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 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 2023-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX a check cleared my first XXXX XXXX ( now XXXX XXXX XXXX  ) checking account. The amount of the cleared check was for {$1500.00}, and I knew I never wrote a check for that large a sum. I noticed it while checking my online account, so I clicked to view the check. the name of the person I wrote the check to was crossed out and another name was written over it. The original amount of the check for {$15.00} was changed to {$1500.00}. the line with the written amount remained unchanged ( still written for XXXX and XXXX dollars ), yet this check somehow cleared for {$1500.00}. the check had been mailed at the XXXX, Illinois XXXX XXXX, and very obviously was intercepted at some point and altered. I immediately went to my first XXXX XXXX in XXXX to report the incident. They reported that the check was deposited electronically at Bank of America. I was told that the written line amount always would supersede the amount in the dollar amount field, but somehow this was not the case. Also, a crossed-out name should be flagged and such a check should never be cashed. An affidavit was files around the XXXX of XXXX ( though XXXX XXXX says the affidavit wasn't officially filed until after the bank merger of XX/XX/XXXX ), right after I caught the fraud on my account. It has now been 6-7 months and XXXX XXXX claims the burden to return my money falls entirely on Bank of America . I have been to the branch numerous times and am given the same answer each time, i.e., that it is not their problem and Bank of America needs to act. Bank of America told my banker that because they have had so many fraud claims, they are backed up and there is no time frame in which they are obligated to return my money. The investigation should be easy with 2 glaring check alterations. Is there truly no time limit on the length a fraud investigation needs to be resolved?

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 2022-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Someone hacked my phone number, cell phone, and using my social security number, driving license. I have several bank account. Always change my online access and using my debt card. Contacted with bank using my social security. Paying bill, taking money from my account. I don't have any control my bank accounts.

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