BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-24
Company: EQUIFAX, 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate this account : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: OK
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The accounts where opened not by me. Ive tried disputing them with XXXX XXXX and that didnt work. Company claims it was accurate when it wasnt. I would like to see a copy of the id that was used to open these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: EQUIFAX, INC.
State: NC
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 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 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 2023-06-01
Company: ALLY FINANCIAL 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: Problem with personal statement of dispute

Complaint:
I am the co-signer. Ally financial never reached out to contact my daughter who is the primary on the account. So I did not know there was an issue with payment. 

They said she was a month late on payment but went after me for my credit. My score dropped XXXX points. So I got ambushed. 
They would call me during work so I could not answer exactly when they called. When I would return call Ally financial they repeatedly dropped my calls or hung up on me. I called Ally at least 5 times with the same result. Did not get rep on the phone until after the fact. 

If you look at my credit history over past 10yrs anyone will see I am very prompt about staying on top of my bills. An opportunity would have been nice. Seems some degree of laziness on Allys behalf is the issue. 

My daughters grandmother passed away and had to pay for funeral costs. They never properly contacted anyone so they would not know that. 

No true procedure for communicating with there customers.

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 2022-06-12
Company: EQUIFAX, INC.
State: IL
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-04-27
Company: LAND HOME FINANCIAL SERVICES
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX applied for a mortgage through this company called ( land and home financial services inc, XXXX XXXX XXXXXXXX XXXX tx XXXX loan number XXXX. XXXX was married in XXXX XXXX XXXX XX/XX/2016 this mortgage company approved his mortgage as a single man while he was legally married. Any further information please contact me on XXXX and I will assist with any documentation you may need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: SC
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, 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
State: DC
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 seriously getting frustrated at this point. I have supplied the companies with the documentation required by law and suggested by customer service, yet the accounts still persist. I am trying to get a start a career in banking and get a mortgage and these accounts are hindering my chances. Please correct 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 2022-06-12
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 XXXX XXXX XXXX XXXX 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 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 2023-11-07
Company: EQUIFAX, INC.
State: PA
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:
XXXX & Equifax received a dispute from XXXX dated XX/XX/2023 stating all bankruptcy information was deleted from their system. On XX/XX/2023 XXXX in case # XXXX reported the information unverifiable and XXXX & Equifax will not validate their sources of information. XXXX has deleted this information. 
FCRA REINVESTIGATION Pursuant to section 609 ; you must provide the physical documentation on file held by the credit bureau, which was used to verify the reporting of the accounts listed below. Pursuant to 15 U.S. Code 1681g ( a ) ( 1 ) I demand in writing ALL INFORMATION in my consumer file at XXXX & Equifax, stored by any of its subsidiaries, or any other entities maintaining data on behalf of XXXX & Equifax or its subsidiaries as of the date that you receive this letter regardless as to how, where, or in what form it is stored. In the event the credit bureau does not have physical documentation stored within their business records to verify reporting of the item listed below it must be deleted & blocked immediately. Any item after the investigation that the credit bureau determines to be UPDATED or VERIFIED within 15 days of such determination shall provide me explanation of the nature of the dispute and include all evidence used that led to such determination pursuant to 15 USC 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: CNG FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My father in law was contacted by a " XXXX XXXX '' from XXXX XXXX XXXX, out of XXXX XXXX, TX. XXXX stated they were looking for me, for theft of goods and services. My father in law gave me the info to call. I called within 5 minutes, and spoke to XXXX, he told me I owed XXXX for a payday loan from Check XXXX XXXX  Go that was taken out XX/XX/XXXX. ( The loan was only {$500.00} at most, per state of Oklahoma laws ) He then asked me what happen and why did I stop paying- I didn't answer his question and advised him the debt was too old, and past the statue of limitations. He then said I made a payment on XX/XX/XXXX ( I did not make a payment ). So I asked for proof. He told me he couldn't do that. I stated he had to give me proof of debt, he again refused because they were going to be filing to sue me the next day. He stated he was the attorney representing the case, I asked him as the attorney he should be able to send proof of debt, he again stated he can't. So I told him okay, than this isn't legal debt collection practice which he argued it was, refused to send proof, and told me good luck in court- he then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reached out to NewRez LLC ( XXXX XXXX ) to inquire about borrowers assistance for covid 19 related changes. The company never responded with options available. They automatically enrolled me into a forbearance program and cancelled my bi weekly automatic payments. I corrected the payments independently by calling in and making sure the drafts were completed. During that initial contact in XXXX i requested that plan be removed and auto draft reinstated. I never agreed to or signed a forbearance agreement. I have since contacted the mortgage company 3 additional times and they still have not corrected the issue. 
I recently applied for credit and was denied. Underwriting cited that my mortgage was not reporting to the credit report since XXXX. I disclosed the issue to that company and credit was denied. I believe this could violate FCRA for inaccurate disclosure of information. 
I would like to pursue a complaint against the company for negligence in the handling of my account and not seeking my approval before entering me into any agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: FL
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove this inquiry immediately. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One Agent advised me that my accounts were closed on XXXX XXXX due to the terms and conditions and nonpayment. Capital One Agent also stated that they could still charge my account for interest fees due to credit card agreement. I requested for a copy of the truth in lending disclose and a the arbitration clause from the Agent of Capital one, Agent of Capital One stated that its no way to send me them upon my request the only thing they could send me was a credit card agreement. Capital One have several accounts in my name and are restricting access to my accounts. Also an auto loan request Not made by me. I will attach the notices from capital one. Capital One have also furnished false and misleading information to the credit reporting agencies. Capital One have charged me security deposit to open an account with them that was later paid to them, because of my lack of awareness at the time. Capital One Agents have caused damages to my mental health, causing stress by not being able to provide for my family, and my credit worthiness by reporting inaccurate information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
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 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did not have XXXX as a provider on XX/XX/2015 I had at & t I do not know where this bill came from or who it belongs to, it is very damaging to my credit and I need it removed immediately. The derogatory remark on my credit report is stating that the account got sent to the collectors. I have never been notified about this bill and did not even use XXXX in 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
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:
I am writing to file a complaint against this credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct the errors. The credit reporting agencies ' actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter. 
I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with them to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information. 
FCRA Rights Disregarded : The right to have inaccurate information corrected promptly ( Section 611 ( a ) ( 1 ) ( A ) ) The right to a reasonable investigation of disputed information ( Section 611 ( a ) ( 2 ) ) The right to receive written notice of the results of the investigation ( Section 611 ( a ) ( 6 ) ) The right to delete or modify inaccurate information ( Section 611 ( a ) ( 5 ) )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: VICTORY MORTGAGE, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on a new home on XX/XX/XXXX. The processing agent indicated I would not pay an application fee due to internal shuffling of my application in XX/XX/XXXX. While I did not pay that app fee up front upon the application processing, they instead added the fee on my Closing Disclosure document. They continue to insist the fee was not charged to me. However, there is no indication on my CD that this fee was credited to me and the cost details suggest I paid it within the cost to close my loan. They insist it was added to my closing disclosure document for " compliance ''. 

I accepted the closing disclosure document on the condition that the {$310.00} dollars would be refunded. I was assured by the agent a check would be provided at closing. 

However, now more than a month later, I have yet to be provided a check despite emails to the bank and speaking with a member of management. The bank continues to press that I didn't pay that fee, however the cost is listed on my Cost Details. 

In writing the agent provided assurance that the {$310.00} dollars would be refunded, which I accepted as condition to accept and sign the Closing Disclosure document.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

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: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX, I had a television and internet service account with XXXX XXXX XXXX for XXXX XXXX Not satisfied with their service, I called to cancel the account. I spoke with an XXXX XXXX XXXX rep over the phone who closed my account with no balance due and mailed me a shipping label to return my equipment. I shipped my equipment and the tracking number showed received. XXXX XXXX later I start getting messages from XXXX XXXX XXXX that my account was overdue. I tried to tell XXXX XXXX XXXX my account was closed and that my equipment had already been returned. I contacted XXXX XXXX XXXX XXXX times to explain the situation to them, however, they kept simply ignored my facts and asked for payment. After a XXXX XXXX XXXX XXXXXXXX XXXX XXXX sent the account to collections which I disputed as not due. When I disputed the account, the XXXX XXXX XXXX agreed with us and removed the collection. XXXX XXXX XXXX used subversive actions by reporting the disputed collection to another collection company which would then show up as a collection on my credit. I have disputed this same disputed collection multiple times for over XXXX XXXX from different collection companies and each time the XXXX XXXX XXXX has agreed with me and removed the collection. I need assistance in telling XXXX XXXX XXXX to stop moving the disputed collection to a different collection agency each time I dispute the collection and have it removed from my credit by the XXXX XXXX XXXX. At this point XXXX XXXX XXXX is XXXX me without due cause. Since the last CFPB complaint, XXXX XXXX XXXX has once again used a different collection agency after disputing the previous collection agency.

Company response to consumer: Closed with explanation