BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
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. 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, 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 non-monetary relief
Consumer complaint received 2019-02-09
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed a credit freeze on my credit with equifax after receiving a letter from equifax say my personal data had been breached this was XX/XX/2019. I then have tried to remove the freeze so I can sign-up for cell phone service with XXXX XXXX XXXX but can not get the freeze removed. When I try on-line they say " can not complete your request right now ''. When I call they tell me " the system is updating to call back in a 1/2 hour to an hour ''. I have called back and called back for 2 days and still get the same answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Pacific Collections
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX gave me medication I was allergic to, which had me end up in their office that night and they claim to charge me {$71.00} for that expense. When they had told me that it was their fault and I wasnt going to be charged. This happened in 2017. It got reported to my credit today and it knocked down 40 points on my credit. This is completely uncalled for. 

XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-07-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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:
I applied for a Graduate student loan with Citizen 's bank in XX/XX/2021. The representative on the phone gathered my personal information as well as my father 's ( co-signer ) and filled out the document " Student Loan Application/Promissory Note '' with all of the details we discussed. However, the representative filling out the document mistakenly checked off the box for " No deferment/Immediate Repayment '' even though it was made very clear that I would like to defer my loan since I do not graduate until XX/XX/2021 and will not have the financial means to pay it back. Although it is true that I did review and sign this document myself, I had trusted that the representative had filled out the form correctly. In addition, the box that was " checked off '' with the X on the document was filled-out electronically. So the " X '' wasn't even in the box! It was misaligned and hovering above the box, making it very easy for someone to miss! 

Citizens bank uses XXXX XXXX to handle loans in re-payment. So last month I was notified that I had to repay my loan starting XX/XX/2021. When I called XXXX to ask them about this, they said that this could be corrected as long as my school sent them a signed document stating my graduation date. I was told this would ensure loan deferment until after I graduate. Several weeks went by and I noticed on my XXXX account that I was still required to pay back the loan on the XXXX. I called again, XXXX confirmed that they received the document from my school, and they assured me that it would take several business days until I would see the deferment status on my online account. Today XXXX XX/XX/XXXX ) I noticed that I still had a payment due on the XXXX. I called XXXX and that's when they told me my request for deferment was actually denied because when I filled out my citizens bank loan document, I was the one that checked off " No deferment/Immediate repayment '' which is a false assumption because the representative at citizens was the one that made this mistake. 

So I called citizens bank today so straighten this out, and they told me that there's nothing they can do because I was responsible for reviewing the documents before signing them. But how can I do this when the check marks on the document are not clear? And shouldn't representatives be competent enough to not make huge errors like this? What they should do is pull up the recording of that phone call and hear me tell the representative that I want to defer my loan. They should honor my original request and take accountability for their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: NY
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. 

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 2023-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Good Day .... Here is my tales of wow with Bank of America .... I set up a wire transfer with Bank Of America 's help to pay off my mortgage XXXX .... then BOA security canceled the transfer because they said I did not contact them in time .... I tried to contact them several times but they BOA never answered the number I was suppose to call then they disconnected my phone call .... tried again and same thing .... stayed on phone for a total of two hours trying to find support then disconnect... Finally got someone to help me today XXXX and sent the wire hope it gets there Monday XXXX when it is due .... But why was the wire originally canceled?? No one at BOA had a clue .... and I was speaking with the Dept. that canceled the wire .... At BOA the left hand does not know what the right hand is doing!! 

Oh by the way here are few other goodies that Bank of American did for me .... 

XX/XX/XXXX BOA declares me deceased and started repossessing my house... .had to show up at a BOA branch to prove I was still alive and my credit score dropped XXXX XXXX .... 

Here is another oldie but goodie .... back either in the late XXXX 's or early XXXX 's BOA somehow misplace {$100000.00} of my parents money .... took them almost a week to recover it .... 

Lost my Dad 's Death Certificate .... closed accounts still with outstanding checks .... the list goes on .... How is this possible?? Obama should have broken up BOA when he had a chance .... And usually there is no one to be able to speak to on the phone ..... If you go into a branch it is usually not a whole lot better .... Mistakes seem to be the order of the day with Bank of America!! Will be leaving BOA as soon as I am able .....

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 2023-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023 I received a strange call about winning the lottery and a free credit card. The person on the other line told me that they will give me a free cruise ship.I denied the request and ask the person how did you receive my information. The person stated to me that they notice on my consumer report I had no credit and I will be a perfect fit for the cruise ship rewards. I hung up the phone and called my local police and notified them of the weird call and scam. The dispatcher of the local police notified me to call all the consumers reporting agencies and notified them of the scam. I also checked XXXX, XXXX, and XXXX consumer reports and noticed many false inquiries that I never did. I even notice addresses and a fraudulent account as well. I even contacted the fraudulent dept of these reporting agencies still no one contacted me back 120 days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: LFG Data Services Holdings, LP
State: TN
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 submitted a dispute with XXXX concerning a public record ( XXXX XXXX XXXX XXXX, TN : # XXXX ) thats being reported in error, incorrectly, invalidated, and not properly verified. I requested that this information be deleted from my consumer report. XXXX responded stating that this item was verified by the " XXXX '' ( XXXX XXXX XXXX XXXXXXXX, TN ) reporting that the information being furnished had been verified and certified by the " company '' to be accurate. This is false and also untruthful information being reported. I spoke with the courts of The XXXXXXXX XXXX XXXXXXXX of XXXX, Tennessee directly and verified to me that they do not and has not verify or furnish any court proceeding nor filing ( s ), discharges, or dismissal ( s ) to any of the major national credit bureaus ( XXXX, XXXX, XXXX ). Meaning that XXXX either lied on The United States Bankruptcy Courts or lied about verifying this information being reported. Either way this is a violation of state and federal laws including FCRA laws such as 15 U.S. Code 1681i ( 5 ) and several more. In a previous dispute with XXXX about the same issue. XXXX responded stating that they verified the information to be accurate through a third party company LCI Consumer Center but not the original creditor. In fact XXXX is not a third party company, it is a XXXX company and partner which is not properly verifying this public record. This invalidated information is be verified from XXXX. I have filed disputes with XXXX and XXXX to delete/remove this information and both companies has yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: NJ
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:
My XXXX credit card account, which has been reported as a charge-off on my credit profile. I have not received a 1099-C form from the creditor, despite my understanding that they received a tax write-off related to this debt. I kindly request documentation demonstrating their right to report this as a debt or, if unable to provide such evidence, the immediate removal of this account from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, 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:
My name is 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 response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been fighting with Toyota since XXXX to report my payments accurately. They have been misapplying my payments since XX/XX/XXXX. Applying full payments and/or partial payments to the principle balance without my consent or approval and therefore reporting me negatively on my credit report. They have gone so far to try and repo my car when I was 15 days past due in XX/XX/XXXX. Luckily the truck driver agreed to NOT take my car that night and would come back tomorrow after I explained it was NOT correct and Toyota had NO right to try and take my car. The next day Toyota confirmed they were in the wrong, waived all late fees and explained the account would be updated to show the loan was current and all would be right. 
They proceeded to do collection calls to my cosigner and XXXX year old grandmother telling her the loan was 3 payments past due and scaring her into making a huge payment to bring the loan " current '' even with a DO NOT CALL on file. They continue to call and harass her every chance they get. every time I call they confirm that yes there is still a DNC on file yet they keep violating that! 
On XX/XX/XXXX I called and spoke with XXXX employee number 2NDC who reviewed the file and agreed that YES they were in the wrong, and I ONLY was due for the XX/XX/XXXX payment and that THEY were applying payments to the XXXX payment and I would have a CREDIT of {$13.00} for XXXX. That being said they continue to show me being due for some days 2 payments, some days 3 payments. They called my grandmother again on the XXXX and told her the loan was due for {$2400.00}!!! Thats 4 car payments. The damage this has caused my family is irreparable. The damage to my credit score worse. This prevents me from licensing for my job as a XXXX XXXX XXXX. I have been denied state licensing due to their continuous errors. 
I do not have another 2 years to fight with them to get this resolved. I need help 1. They are not applying my payments properly since the start of the loan 2. They refuse to honor the DO NOT CALL on file and continue to call myself and the co-signer demanding payments 3. They refused to send a copy of the payment history that I have been requesting since XXXX until XX/XX/XXXX XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
XX/XX/XXXX we finally got the assumption packet from Carrington after having to call and do escalation requests. Since the buy completed all documentation requested by Carrington so they could assume our loan. They company refuses to give us a stats and merely sends an email that's says, " packed submitted to underwriting, it typically takes 5-7 days '' the buyer will be notified. However the package was submitted on XXXX XX/XX/2023 and we still have not been given an update. We only receive the same 5-7 day timeline which they have already passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: MOHELA
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for a lower repayment plan, the SAVE plan, that just came out. I applied on XX/XX/XXXX and have had no response. I sent a secure message to them on XXXX and had no response. I resubmitted a second application for the SAVE plan on XX/XX/XXXX, and still heard nothing. I then called on XX/XX/XXXX, waited on hold for 86 minutes to speak with someone, only to be told my application was processing and nothing could be done. I am supposed to have a $ XXXX monthly payment amount applied to my account, as well as prevent interest from ballooning under this new plan, but Mohela has failed to apply this to my account and continues to allow interest to balloon to defraud me. I submitted 2 compliants to this company that went unanswered. I want the plan I applied for on my account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: MOHELA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for XXXX program on XXXX and it's still pending. Mohela mailed me a bill that doesn't include XXXX, but on website doesn't show payment due. I go to message center and I can't even send a message, and their phone line does not get to a representative for hours. I need to know I don't owe any payments when student loan repayment starts up again in two days. The government needs to provide guidance on this as millions of us are being required to pay again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: TX
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and delete them immediately in my report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief