BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-01
Company: EQUIFAX, INC.
State: FL
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 was affected by the Equifax credit breach. I wanted to freeze my account with Equifax. I attempted to do it online yesterday and it said that I needed to call to get it done. I called yesterday and they said that their system was down for a security update and were unable to process the request. They told me to call back later, which I did. I tried to place a security freeze today and got the same error message telling me to call them. I have now spent almost 12 hours either on the phone or waiting for a phone call from Equifax to get my credit report frozen. Today, on separate occasions, they said they were unable to do it over the phone and that it had to be done online, that their system was down for a security update and that I needed to call back later, and that I gave incorrect information and needed to fax them documents. I was given a random 888 number to fax personal documents to, which I am not comfortable doing. It feels like they keep dodging my request. Since I never wanted an account with them, never signed up for it, and they are the ones that allowed my data to be compromised, it should be a lot easier to put a security freeze on my account than this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
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 # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: NJ
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2020-06-04
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX my attorney submitted an RFI on my behalf ( Exhibit A ) which there was NO response and on XX/XX/XXXX I submitted another RFI whereby responses have been inconsistent with the RFI and I STRONGLY believe there's fabrication and Data manipulation of documents and information. I have seen several inconsistencies which lead me to believe there's Misrepresentation, Collusion, abusive, unfair & deceptive practices and Fraud. Consequently, I requested the " Servicing File '' and sent the parties a " Preservation Hold and Data Preservation Notice '' but didn't receive a response. It seems they all want to point the finger at each other. Some of the chain of events are as follows : 1-From XX/XX/XXXX to XX/XX/XXXX I made payments which were " held '' in an interest bearing account instead of properly applying the payments towards my account 2-For the years of XXXX, XXXX and XXXX NO 1099 was issued 3-My Bank says they deposited my payments into several bank accounts through the years 4-There 's a host of other violations but would need the " Servicing File '' to investigate the Fraud and make an Official Complaint of " all '' their violations. 

All of the Actors and Suspects I sent my Request for Information to are : XXXX XXXX, XXXX Attorneys in Fact- XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Seterus Inc .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX fax XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX c/o Chair, XXXX XXXX XXXX XXXX XXXX XXXX  Mail Drop XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX fax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Att : XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX TN XXXX XXXX XXXX XXXX Att : Audit CommitteeXXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Nationstar Mortgage, LLC d/b/a Mr. Cooper Att : Management c/o XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Housing Finance Agency XXXX XXXX XXXX XXXX Washington, D.C. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: MD
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 XXXXXXXX XXXX violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. States I have ( he 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 wilhout my writen 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 2022-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2022 I applied for the Capital One QuickSilver credit card through my XXXX credit report. I applied to help build my credit file back up and it was a high recommendation from XXXX. I was approved for {$500.00} limit and was sent the card by mail. I made a couple of purchases and made my payments before due date. However, when I logged into my Capital One account, noticed that they suspended my card limit. When I contacted their XXXX number, I was told they needed to verify my identity. I asked didn't you do it when I applied. I was told they could not check my credit. I told them I locked my credit reports because I was a victim of identity theft, and they would have to contact me first before pulling my credit. I asked to speak to a manager. And when she came on the phone, I told her if you need to check my credit, I will open it but I do not keep it open because of identity theft. She told me I would have to provide a copy of my ssn, XXXX, and a copy of a bill showing my address. That happened on XX/XX/2022. After I got off the phone with her, they emailed me a list of the documents needed and a link to upload the documents. I did upload the documents they requested the same evening. The Manager told me it will only take two weeks to confirm my identity and that is all they would need. I just received a letter. which is way past two weeks, in the mail from them requesting me to contact them. I did call them on XX/XX/2022 and I was asked to send in the same documents again. At that point I was livid and requested to speak to a Manager. A male came on the phone and I explained to him that I uploaded those documents on XX/XX/2022. He stated he will check and to give him XXXX minutes. He came back stated he found the documents. Then, proceeded to tell me that they need a few more documents. He asked me to send three months worth of my Bank Statements. Then I became furious with them and ask him why areyou asking for my Bank Statements after I was told what I sent was all you needed. At that point, I felt like they were discriminating against me and asking for items that are irrelevant and illegal. At that point, I told him I will be contacting XXXX XXXX and logging a complaint against them for unlawful requirements. I see if I applied for a {$100000.00} card or more but {$500.00} limit credit card. I feel I am being wrongfully treated by Capitol One. I want Justice an apology issued from them and to release my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Ive been a victim of identity theft ... .see ftc report attached

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or repair 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 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 2023-05-12
Company: EQUIFAX, INC.
State: GA
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:
This is XXXX XXXX XXXX XXXX please do 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 explanation
Consumer complaint received 2022-02-11
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I talked to Monterey Financial today about a debt I have with a timeshare maintenance fees for a XXXX XXXX XXXX XXXX. I have not seen written communication about this or had the ability to dispute this. 

I called them back today XXXX. 
They said the amount was {$5700.00} and this showed up on my credit report today via XXXX XXXX In the call they told me, my credit will continue to be impacted. They advised I open a credit card to pay this off. XXXX said I can't settle or pay them directly but Monterey said XXXX owns the debt and they can't settle. It seems they are in cahoots and taking advantage of me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: Experian Information Solutions 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: 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 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 update these 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 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 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 2023-02-01
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
the parameters i chose as the problem im facing are close, but not the actual problem, i started my retirement, direct deposits were made into an account that the last 2 numbers were somehow switched, my acct. is XXXX, the deposits went into XXXX soc. sec. requested the money back, then was told the treasury had to request it returned. we did that, and the bank is giving me the run around still. 1st deposit was XXXX on XXXX. then, another XXXX, approx. 10 days later.. social security has started charging me the money as an overpayment. i filed an appeal, but theyre taking the money out of my monthly checks anyhow. ive tried, probably 30 times total to get them to return it, or now, actually, since social security has been charging me as an overpayment, i feel it should go to my account, since ive not had the benifit of having those lump sums at my disposal. 
its a paypal account, a division of XXXX. 
ive lost a vehicle while waiting for this money to be available in my account back in XXXX. i would appreciate any help, they-paypal- definately know of the situation, i asked if they were discriminating against me, or if they wer just having fun because of my age, a woman - XXXX XXXX-, said that the tools she had werent giving her option to basically give me the money, and said that social security would have to request it back. weve already requested that, and nothing was done, social security isnt doing anything about it, other than taking money out of my monthly check as though its been paid to me already. someone or somehow the last numbers of my account got switched, i dont know how, i ' copy and pasted " the account and routing numbers into the form online that i had to fill out for where my payments were to go, there was no mistake on my part, and if you were to read about all the safeguards paypal has in place, to protect my money, they shouldnt have even accepted the deposits in the first place, per their own words, as the information obviously wasnt correct.the numbers of my account, the last 2 numbers were wrong.switched. 
this application had said to not use any personal information, none the less, with my name, paypal can see the account, like i said, they definately know of this whole situation, ,but they just arent- wont do anything about it. its almost infantile how they want to pass it off to soc.security, soc. security blames paypal. meanwhile ive paid XXXX to social security on money i didnt get, havent had in my posession, at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, 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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2020-02-04
Company: Experian Information Solutions Inc.
State: AR
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:
My daughter just turned XXXX and I wanted to get her a new car since she is going off to college. As I went into the dealership and picked out the car I wanted for her I had to get my credit report pulled and there was a list of things I was not familiar with. None of these things listed on my report is not mine. Could you please remove these items listed. 

XXXX  XXXX {$2400.00} XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX  XXXX {$150.00} XXXX XXXX XXXX XXXX   XXXX {$140.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$130.00}

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 2023-11-22
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is reporting XXXX late payments in the payment history on my credit report however it reading XXXX late payments on the same account. This is inconsistent and a violation of the FCRA on my behalf to report false inaccurate information.Ive attached a screenshot below for reference.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: MOHELA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I set up auto payment months in advance. On my due date they sent a letter at XXXX  saying my auto payments were approved. In that letter it said they wouldn't auto debit until the next month, which could have caused me to miss a payment. Today, I got another letter saying I'm in administrative forbearance, which I didn't request. Now I have to watch and make another payment manually because it won't end until after my next payment is due. This is unacceptable. I'm on pslf and would never want missed payments or paused payments. This is shady at best. Literally on my first due date and again before my second due date. They're messing with my future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the late payments with XXXX XXXX  formally known as XXXX XXXX  on account number XXXX for a XXXX XXXX XXXX This vehicle was awarded to my ex wife XXXX XXXX XXXX, Social Security number XXXX in our divorce decree. Cause NO. XXXX. 

XXXX XXXX Beginning XX/XX/XXXX, XXXX XXXX XXXX is ORDERED to provide timely payment of any and all debts secured by the XXXX XXXX  XXXX awarded to her herein. IT IS FURTHER ORDERED that at the time that XXXX XXXX XXXX receives her portion of the equity from the marital residence as stated above, any and all debts secured by the vehicle awarded herein shall be paid in full from her share of said proceeds.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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