BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-08
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX, 2017, the consumer agencies, XXXX, EquIfax and XXXX mislead me using its own credit scoring they called FICO Score. In turns out that the Score reported to me by the above mentioned credit reporting agencies was not the score actually used to decide whether or not I got a Mortgage loan. In its advertising, XXXX falsely represented that the credit scores it marketed and provided to me were " FICO Scores. '' In fact, I was turned down for an Mortgage Loan by several lenders because Lenders do not use the same Scores XXXX, Equafax and XXXX sold to me. In fact there were significant differences of approximately XXXX points between the FICO Scores that Experian provided to me and the various credit scores lenders actually use. As a result, XXXX, Equifax and XXXX credit scores in these instances presented an inaccurate picture of how lenders assessed my creditworthiness. The result is I have been turned down for a Mortgage Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am current on my mortgage. I have never made a single late payment. I had made a large lump sum payment towards my escrow account to lower my monthly payment of {$4000.00} in XX/XX/2023. I requested an escrow anaylsis to be done to lower my monthly escrow payment. The Escrow analysis was done incorrectly showing a false low balance in my escrow account causing my payment to XXXX after the escrow analysis. I can support all documentation. I am being preyed upon by this lender PHH Mortgage owned by Ocwen. I need immediate assistance with the CFPB because they are going to overcharge me for XX/XX/2023 and due to my income, I can not afford to make this payment and I am going to face certain foreclosure because of the XXXX  error this company has done to me and my family. This is my homestead property that I live in with my wife and small baby. I am current on my mortgage with not XXXX XXXX past due. PHH MORTGAGE refuses to correct the situation and will cause me to be past due on my payment and cause me to lose my only home that I have worked all my life for. 

Please see attached documents and help me with this mailicious company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
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: Investigation took more than 30 days

Complaint:
IN XX/XX/2022 I MADE A PAYMENT ONLINE & ON THE BANKS PORTAL IT SHOWED " PAID '' THEN PAYMENT GOT RETURNED & REPRESENTATIVE TOLD ME I SHOULDNT DO ANYTHING BECASUE THEY WILL REPROCESS... IN THE MEANTIME IT SHOWED ONLINE THAT MY PAYMENT FOR XXXX WAS PAID. THEY NEVER REPROCCESED THE PAYMENT & WHEN I REALZIED ON XX/XX/XXXX I CALLED THEM & THEY SAID TOO BAD WE WILL REPORT AS 30 DAYS LATE I IMMEDIATLY MADE THE PAYMENT & HAVE BEEN IN GOOD STANDING SINCE. I NEVER MISSED ANY PAYMENT TO ANY CREDITOR IN XXXX  YEARS. THIS SITUATION RUINED MY CREDIT SCORE & I FEEL HELPLESS. THEY ALSO LIED TO ME ON THE PHONE ABOUT THE ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
There is incorrect item on my Expierion Credit report. I took over a car payment for my mother who passed. Seven months later I had a XXXX   XXXX XXXX. The hospital bills were enormous and I returned the car. The dealer took the car and issued me a 1099. All three credit services posted the transaction as a repossession, which I disputed. XXXX  and XXXX   immediately removed the transaction but Expieron  did not. Tuesday XX/XX/XXXX of this year, I disputed the line item again in Expierion 's website. The next day I received five unsolicited calls from lenders associated with XXXX XXXX from loan officers offering to help me with the credit reporting and requesting I use their services for a loan. I have never called XXXX XXXX and do not know how they received my information

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: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened an AMEX Delta Skymiles  card in mid XX/XX/XXXX, in response to a 60k Delta bonus miles offer ( XXXX for {$2000.00} in purchases within the first 3 months of membership ). I made a XXXX-XXXX  purchase of exactly {$2000.00} on XX/XX/XXXX, meeting the offer requirements. 

On contacting customer service the first week of XXXX, I was told that an investigation would have to be opened into why the charge was not registering on their end. I checked again on XX/XX/XXXX and was told the investigation was resolved and i would get my bonus miles 8-12 weeks after the charge date ( XX/XX/XXXX ). It is XX/XX/XXXX today ( more than 12 weeks ) and on contacting customer service, was told another investigation would have to be opened into why i haven't received my miles and that could take 6-8 weeks. 

AMEX is not fulfilling on its advertised offer and the long wait times are affecting my travel plans. Customer service is clueless and can only offer an endless loop of investigations that apparently take months to complete. Very disappointed!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019 I issued my Check XXXX. XXXX made payable to the order of WalmartXXXXXXXX XXXX in payment of Account XXXX. XXXX XXXX XXXX which the payee deposited in its account with XXXX XXXXXXXX XXXX, as shown by the attached copy of the canceled check ( front and back sides ). Subsequently, XXXXXXXX XXXX was replaced by Capital One as Walmart 's credit card agent. Now, Capital One wrongfully fails and refuses to recognize my payment to Walmart/XXXX XXXX. I respectfully submit that Capital One should be bound by my payment to WalmartXXXXXXXX XXXX since the former is the successor-in-interest of the latter, otherwise I would be paying double and Capitol One or Walmart would be enrichment itself at my expense. Thank you for resolving this matter in my favor. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Fleet Financial Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
iLendingDirect is misleading customers. They gloat their online refinance process can be completed within XXXX minutes, but this is a lie. You submit an application online, they send you fake and misleading offers. Then they harass you with phone calls to then ask the same exact information again and submit another application. They have no secure way to upload documents and my loan XXXX wanted me to text them to him. They then take multiple days to obtain offers, even though I already applied online and accepted XXXX. My loan XXXX XXXX, will now not notify me of my offers unless I call him back. I asked to be emailed this information but he is refusing. They have now ran my credit under false pretenses. 

I have read online iLendingDirect is putting XXXX, warranty and fees onto contracts without prior customer approval and are using their phone system, which is hard to hear, to scam customers. They state they need records of the conversation, I argue it is of utmost importance the customer has records of all conversations in situations like this. An email is a record of that conversation for both parties. 

This whole entire process is nothing short of a scam, false advertising and honestly a lie. It is very one sided and this pushes these predatory practices onto unsuspecting people who may feel pressured to accept thing right away without prior review or knowledge. iLendingDirects system is extremely predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
This complaint is to dispute the inquiries referenced below and demanded verifiable proof bearing my signature/ electronic signature. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. This inquiries is not factual since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate the inquiries in question or delete. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, Equifax is required by the FCRA to follow up with the creditor. The listed inquiries were not authorized for any permissible business purpose : XXXX XX/XX/2023 XXXX XX/XX/2023. The FCRA requires Equifax to verify the validity of the items within 15 days. If the validity can not be verified, Equifax are obligated by law to remove the item. There is a clear case of unauthorized inquiries here, and I urge Equifax to remove them before I am forced to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: SC
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
on date XX/XX/2023 amounts {$2500.00} transfer from my checking accounts to unknown savings account. without my authorization. so my claimed to resolve but i suspect the financial dept. could be involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
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: 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 XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Every month i always get charged a {$5.00} dollars monthly charge fee. When i made this account i was told i wasnt going to be charged a monthly fee but they continue to charge me anyways

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 2023-08-09
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV
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/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, I requested full accounting history, proof of ownership, proof of legal right to collect in the state of Nevada, details about the authority of this creditor to collect the debt on behalf of the original creditor, proof that the sent the legally required notices before sending the debt to the credit reporting agencies as well as requesting if they would be ready to settle for a lesser amount and they chance not provided this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX sent us a bill at the end of our car lease that was not disclosed when we turned our car into the local dealership, XXXX XXXX XXXX XXXXXXXX, who sold the original vehicle and originated the lease. The vehicle return was delayed for 2 months because of COVID-19. We moved house during COVID and XXXX XXXX did not update our address. They subsequently sent a {$450.00} fee for the end of our lease that we did not receive as we moved and the bill was not forwarded by the USPS. XXXX XXXX has now predatorily and very unfairly reported the payment as 30 days late and negatively affected my credit score. XXXX refuses to waive the negative credit reporting and understand that we had moved, we are dealing with a pandemic and we have two hard working taxpayers working from home trying to raise XXXX kids under XXXX while working. This is grossly unfair in the first place, but even more unfair that XXXX XXXX refuses to correct its credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
My Complaint with Equifax about XXXX damaging my credit and Equifax allowing them to continue to damage my credit. I feel that if credit reporting agency Equifax is not reporting the XXXX account correctly. I have numerous disputes to Equifax regarding Navient incorrect reporting of the account. In an earlier dispute Equifax agreed with me and updated my credit report but XXXX reporting the incorrect information which is severely damaging my credit report. I sent a forbearance letter from XXXX stating that the dates were I was suppose to make payments on the account I was in a forebearance period, but I still made payments. I am enclosing documentation of payments made to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: ALLY FINANCIAL INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Ollo credit card / Ally bought out from. I been customer for over 5 years I closed my account do to ridious interest rate that is XXXX percent been trying to lower for 2 years have not been able to offer anything with lowering the rate. I closed the account made agreement XXXX for automatic payments out of my checking account. Payment was made on XXXX XX/XX/XXXX. I received a letter notification on from my bank that insufficient funds of XXXX on XX/XX/XXXX and charge me XXXX funds were unavailable. Friday XX/XX/XXXX I went to my bank institute the following week and investigated that fraud took place. Ollo credit card went into my account directly electronically from their end produced a check took out funds without my permission from my bank. The check was not sent from XXXX federal bank that is my band. This is when I realized my own credit card ollo did fraud activity. I had to freeze my account and open another checking account. My own credit card company did fraud!!!! I contact them the same day on XX/XX/XXXX they actually said the i did automatic payment from my account for XXXX. I told them that is impossible that fraud took place. So now under investigation. I closed the account already made agreement to pay automatically out of my account XXXX monthly XXXX of every month. I want to report them. My trust is gone. Customer service is rude!!! I never received phone call or email since the XXXX. I keep getting mail owing money from ally credit card. that my account is passed do. When I already set up this agreement. I have still not received anything in the mail about my account about the fraud as of today is XX/XX/XXXX. They are a mafia bank they are not legit in anything that is said or done. I feel this fraud was done inside the company. I do not want to do business with them anymore. They need to be audit. They are not about the people. Please look into this

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