BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I entered into a 6-month mortgage forbearance in XX/XX/XXXX with XXXX because my husband was laid off due to the pandemic. As soon as my loan entered the forbearance period ( XXXX ) and I stopped making payments XXXX reported to the credit bureau that I had missed my payment. I, unfortunately, did not notice this immediately because I was told by XXXX not to be concerned with the late payment notification on my online account. At the end of the 6-month period, I made a request to extend the forbearance for 2 more months ( XXXX - XXXX ) which was when my husband would begin his new job. They granted my request for an extension but again reported that I did not make my XXXX mortgage payment to the credit bureau. At this time my parents, who are consignors on my loan applied for a second mortgage for an investment property. During their application process, they realized that XXXX had made multiple missed payment reports which had severely lowered our credit scores. At this time both my consignor and me made several attempts to contact XXXX to resolve this issue with minimal response. XXXX promised to fix the issue, fixed it, then again made negative reports causing us to begin the whole process of resolution over again. At the end of the extended forbearance period I was ready to begin making payments ( XX/XX/XXXX ) again on my mortgage but XXXX notified me that the paperwork was taking longer on their end so they were extending the forbearance for 1 more month. Again, they reported that I had missed my payment for XXXX. As of XX/XX/XXXX, I have officially exited forbearance and made my first mortgage payment to XXXXXXXX XXXX. As of XX/XX/XXXX, I still have 2 missed payment reports on my credit and my credit score has dropped 200-300 points. I have been denied for a small loan and have had one if my credit accounts closed due to the derogatory marks. My parents were finally approved for their mortgage after extending closing several times and settling on a higher interest rate loan. The time spent trying to contact XXXX, the stress this has caused, and the financial repercussions are still impacting us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, ( XXXX XXXX XXXX, XXXX account # XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602a states I have the right to privacy. 15 U.S.C1681 section 604a section 2, states as well that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 signed up with XXXX XXXX whom said the represented XXXX  for an alarm service. 
I was NEVER told at anytime this was be reported as a XXXX  on the credit bureau, or was told or disclosed such information at anytime by the representative of XXXX XXXX. I ONLY gave them permission to pull my credit, no other authorization for anything else was given. This had also just dropped my credit score XXXX points, for being reported as a new account. 

Today on XX/XX/2023 I received numerous alerts from numerous credit card companies as well as Transunion saying a new account was opened in my name. At no time was I ever told this or I would never have signed any agreement for this service. I believe all information should be disclosed upfront and honestly, which they did not do at anytime. 
I am asking for the CFPB to investigate this companies fraudulent practices for non disclosure, companies should be upfront and forthright in there dealings with a consume XXXX I did try to resolve this matter by phone directly with XXXX XXXX and got nowhere.They would not help in any way to resolve this matter. 

I also called XXXX directly and they advised me they had nothing to do with this report, it was XXXX XXXX that misled me, not XXXX... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-25
Company: WASHINGTON FEDERAL BANK
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXXXXXX XXXX filed a lien on my property at XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, which is now Washington Federal Bank. I have recently contacted XXXX XXXX XXXX ( XXXX ) in XXXXXXXX XXXX XXXX. I was advised incorrectly on how to resolve this dispute and and notified XXXX XXXX that this debt was invalid. Although filing has been continuous every 5 years, according to the Tennessee law the " Period of Validity of Liens Extensions ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
NOTICE TO AGENT IS NOTICE TO PRINICIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your comapny notice purasuant t 15 usc 1602 ( k ) that your company never provided an adequate notice which cleary and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform about the cost of credit and the only evidence of the indebtedness was just a computer generated agreement.

According to 15 usc 1602 ( k ) the term " adequate notice '' means a printed notice to a cardholder which sets fort the pertinent facts clearly and comspicuously so that a person against whom it is to opperate could reasonably be expeced to have noticec it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement or account, issued to the cardholder, or by any other means reasonably assuring the recipt therof by the cardholder. 
Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a volation under 15 usc 1602 ( k ) Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the the transaction therefore made an uniformed decision and it resulted in multiple billing errorsm and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ) the term 'unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I hereby request that you do the below-mentioned things : Enter your request here. 
DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) Capital One US DEPT ED XXXX XXXX XXXX If you accept my request, I will not escalate this matter to the Federal Court. In case you do not accept the above request, legal action shall be taken against your company for compensatory damages.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX All Rights Reserved Without Prejudice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: AL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$450.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I reached out to Equifax on XXXX/XXXX/202 regarding my personal credit file. After waiting on hold to reach The office of Consumer Affairs over an hour I got a rep by the name of XXXX from the XXXX who attempted to service my file but was unable to because of a note in the system that says my file can only be handled by the XXXX office. He tried to help for over an hour with zero success due to the notes and the restrictions that are placed by the XXXX XXXX. 

One XX/XX/2020 I reached out to Equifax again regarding a fraud alert. I was placed on hold for over an hour and half before I was able to speak to someone from the XXXX XXXX. Once the rep got on the phone I clearly explained how I need to either add a phone number to my credit file or have the fraud alert removed due to issues it was causing me in obtaining credit. The rep I spoke to her name was XXXX. 

She started the call extremely rude and being very condescending to any thing I said. I asked very simple questions about hold times and is it a better way to reach the XXXX she was rude and very snappy. Then when I asked for assistance to remove a fraud alert she told me I needed to send in drivers license and social Secuirty card. I had explained to her I just mailed my drivers license and social card to Equifax within the last few weeks. She totally ignored that and said she wouldn't help unless I resent it in. Equifax continues to mishandle my file and allow rude unprofessional workers service us customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TekCollect Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have evidence to suggest that I included a cease contact phone call, as I did not answer the phone otherwise when they called because they ignored me when I said it wasn't my debt. They harrassed me into paying off half by stating that they would settle for half. 
Now they are saying they never said that and continued calling even after stating a cease of contact on XX/XX/XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
i tried to log into my users name at Bank or america i didnt know they licked my acct and they never told me this and to point out im on ss so the direct deposit check is in this bank for XXXX anyways something about i was complaining too much about a dispute i had with XXXX XXXX so i have funds available and all i keep doing is contacting them all i get is the run around in XXXX the person said ill get my funds in XX/XX/XXXX well XX/XX/XXXX already came and gone and i dont owe the bank so i want to know whats the delay i cant go down to a branch no transportation and the customer service reps said id receive a certified check in the mail date and month as said im XXXX XXXX XXXX and havent received 2 ss checks yes i informed the local social security admin so they know but dont know why this month ssa check wasnt sent so htis is about why im contacting you i tried i even contacted BOA on facebook so i get the run around there playing a transfer game all i want is my rightful funds sent to me i cant buy food or nothing seeing that bank closed my checking acct i wrote 2 checks to the land loard for rent guess what seeing both bounced like a ball i have to vacate my XXXX of 10 years so without funds you cant give a deposit or rent just tires of the bs this bank is offering ty

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 2023-03-28
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Since XX/XX/2022, the interest rate of the line of credit has increased from 3.75 % up to 8 % in barely 4 months. I have requested a copy of the note in multiple occasions XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have never received the Note. The first two times, Specialized Loan Servicing stated that they had sent the requested information by regular mail, and if USPS never delivered the document, that situation was out of their control. However, on XX/XX/XXXX, a customer service representative named XXXX confirmed that the Note would be sent via email by XX/XX/XXXX. Today, it is XX/XX/XXXX, and I have not received the copy of the Note that I have requested 4 times. I am entitled to have a copy of this document with a clear explanation of why the interest rate has increase almost twice since XXXX. Specialize Loan Servicing has an obligation with the borrowers to provide the Note. Please investigate the questionable practices of the company, hiding information and delaying the delivery of this important document

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2020 I sent letters to the bureaus regarding inaccuracies and unverified accounts on my credit report. Its past 30 days and I have not received a response. Section 611 ( a ), states that a failure to investigate and no response within 30 days gives reason for these inaccuracies to be removed and deleted immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: FL
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 Account Number 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. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number 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. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX Account Number 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. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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. 

In accordance with the Fair Credit Reporting act U.S. DEPARTMENT OF EDUCATION Account Number 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/XXXX I received a call while at work so I let it go to voicemail. A man indicating he was from FIA card services stated he had " 2 documents '' that would be turned over to the court if I did not call him back within 24 hours and it was in my best interest to call him or there could be negative legal implications. His name was XXXX XXXX and direct phone number XXXX I called him approximately 2 hours after the call. He again stated " he had 2 documents '' but would not tell me what these documents were. He stated I opened a credit card XX/XX/XXXX that I did not pay and was charged off XX/XX/XXXX. I tried to explain to him he had the wrong XXXX XXXX and that I did not open a credit card in XXXX because I was out of the country on my honeymoon during this date. The man on the phone became very aggressive and belligerent stating he was going to send the " 2 documents '' to the county court, although he would not tell me which county. 

I again tried to explain he had the wrong person and he would not listen so I told him to go ahead and send the documents to the court. The bullying and threatening behavior of these people are completely unacceptable!

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 2022-08-13
Company: Experian Information Solutions 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 Account # XXXX XXXX XXXX XXXX and Account # XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 SECTION 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Its 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 2023-04-04
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Before XX/XX/XXXX, I found out about the Borrower Defense for my federal student loans. I submitted the application and I'm stuck in the process to get my loans from XXXX forgiven. XXXX is a school I went to in XXXX and graduated in XXXX. A school I attended and was misled about the education, job placement, and whether or not the school was accredited. 3 loans I got were private loans because I was misled by XXXX XXXX financial aid department to sign. 

Well, as I had trouble finding a job after XXXX, I went back to XXXX. I graduated from XXXX and thanks to XXXX being an accredited university my job outlook was better. However, the private loans I got from XXXX did me wrong. They were calling and harassing me while I was in school. I admit, I did not know what I was signing when I was at XXXX, but some of the private loans said I " may '' get the in-school deferment. The private loans from XXXX was coming after me while I was attending XXXX. I fought and wrestled with them, and they even took me to cook which the judge couldn't make a ruling because XXXX private loan people did not show up to court. XXXX private loans were trying to force me to pay even before I graduated from XXXX. I'm sure employers saw this on my record. 

XXXX closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Paramount GR Holdings, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I DIDNT AUTHORZE THESE FOUR INQUIRIES FROM LOANPAL. RIDICULOUS

Company response to consumer: Closed with explanation