BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
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: Credit inquiries on your report that you don't recognize

Complaint:
There were over 50 Credit Inquiries on my credit report. I wrote to the 3 Credit Bureaus twice to dispute the information and they have refused to comply with my demand to show proof. I also sent letters to all of the companies with dates to send proof and I have not heard anything from the companies in regards to removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: PENTAGON FEDERAL CREDIT UNION
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I filed an application with Pentagon Federal Credit for a VA TYPE II refinance. Penfed did not provide an opportunity to explain seasoning is not required for type II VA loans and that the applicant already met seasoning requirements if they could apply. Penfed also failed to provide a loan estimate within 72 hours from applying. Because the XXXX loan being refinanced closed in XXXX, the first payments where due more than 210 days prior on XX/XX/XXXX or the date of the application. Because the covid forbearance credit suppression did not stop until XX/XX/XXXX, Penfed assumed seasoning requirements could not be met for a government backed loan product that can not include seasoning. XXXX  delayed credit suppression protection removal due to an erroneous Escrow Analysis from XXXX when the Veteran was found permanent and totally XXXX. The Escrow Analysis was not resolved until XX/XX/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 explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-01
Company: Avant Credit Corporation
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
In XXXX, I was working full time, with the hopes of starting a small business. I was offered a {$10000.00} loan from Avant, but ended up losing my job & having some additional issues that caused me to not be able to maintain the payments on my loan. Upon realizing that I would not be able to maintain the payments I contacted Avant via their website and explained my situation, I attempted to create a deal that I could maintain while I got back on my feet & received no response. With no money and no income I ended up defaulting on a loan. This was over the course of 6 months. From losing my job in early XX/XX/XXXX, to defaulting in XX/XX/XXXX. The credit score that I had built up over time was destroyed. I have since built my score up to XXXX, but the late payments on my report are negatively affecting my score. I have current accounts, that have been in good standing for over XXXX years as well as maintained a Car loan for the last XXXX months, which is a higher monthly payment than what I was paying with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
my mortgage company has since 2017 ( this is the 3rd year ) at this time, has been trying stick it too me with a approximately 2500 increase roughly 250.00 monthly increase mort payment, because they somehow XXXX up my taxes, my taxes have always been payed on time, ( XXXX clerks office with verify this ) https : //.freedommortgage.com/mtg/loan/ has been harassing me since 2017. i file a complaint thru CFPB every now, Freedom mort always tell me there sorry for my inconvenience and it wont happen again ( total XXXX ) i have ask them to keep this file on record, but obviously they dont! so here we go again! i need to stop this insanity with this company, i have requested them to sell my mort to some else but not! now i have to pay this increase of $ $ this month so i wont get bad credit, but they always reimburse me and apologize and say it wont happen again. 
should i get a lawyer and sue them, do i have a case here? my other complants you have on file 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 explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: WI
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:
ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 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 of 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 2019-07-28
Company: EQUIFAX, INC.
State: NC
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:
Received and alert from Equifax. Logged in to check it notice my credit limit had increased from XXXX XXXX. Did a credit score update it went from XXXX to XXXX for no reason and when I called XXXX he stated that it was because I filed a dispute. I explained to him that disputes don't drop your score. I repeated this with XXXX, XXXX, XXXX, and XXXX who added that a balance with XXXX XXXX  may have caused it. I requested to speak with a manager. No manager would speak.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Big Picture Loans, LLC
State: ME
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I followed up on a letter that I had received from Big Picture Loans in the mail with an online application. My husband had been working minimal hours, and I was in a very tight place. I applied and received my contract - I thought I would be paying around {$150.00} a month for 6 months on a {$650.00} loan. Very steep, but I was in a desperate situation. They called it an installment loan, so I assumed that they are licensed In Maine, where I live. My plan was to pay the loan back within a two week time frame. 

When I logged into my account on XX/XX/XXXXto see what my payoff was, I found that not only did I owe the {$650.00}. but I also owed approximately {$190.00} in interest - for two weeks???? So I looked at my agreement and the payment plan was for {$150.00} biweekly for a 6 month term, which came out to be around {$1900.00}, for a {$650.00} loan! 

I started doing research, and found that Big Picture Loans is really just a payday lender in disguise. In Maine there are regulations on payday loans and the amount of interest that they can charge, and they are not licensed in Maine, on top of not adhering to the regulations on payday loans. 

I immediately revoked the ACH authorization with my bank, and I notified Big Picture Loans of this action, and also revoked the right for them to contact me by phone, so that I could have all further communication in writing. 

OnXX/XX/XXXX Big Picture Loans emailed me to let me know that they were attempting to collect my payments. I emailed them back on XX/XX/XXXX, explaining to them and providing a copy of my state laws and regulations, and let them know that I knew it was illegal for them to practice without a license in Maine. 

I received a " settlement letter '' offer from them on XX/XX/XXXX. This tells me that they know that they are in the wrong, if they are willing to settle on this debt. 

I figured up the info on my loan - {$650.00} loan at 30 % for six months as allowed by law in the State of Maine is {$110.00} per month for six months, for a total repayment of {$700.00}. I offered to mail them a money order for the {$110.00} on the XX/XX/XXXXof each month, starting on XX/XX/XXXX to pay the principle amount of the loan plus the interest at 30 %. 

I received a letter back from them stating that since they are a tribal lender, that they are not required to follow the laws set forth in the State of Maine for lending. I have attached all the emails back and forth to this information. 

I have no issues with paying back the initial loan amount plus interest, as one would expect on any loan, but this is predatory to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
About XXXX months ago was my last complaint about this company. In that time the situation hasn't been resolved. The intentional delaying, threats and dirty tricks haven't stopped. I called them and they wanted the XXXX payment to even send the paperwork. That's fair i suppose. So it was payed. The re-modification documents finally arrived by first class mail after about 14 days. There was no reason they couldn't be emailed but whatever. I notarized them and sent them back by XXXX then the waiting game started. it took about 20 days before i was told by email to call in to discuss a problem. There is no reason why the so-called problem couldn't be told to me by email so i could address it immediately but again whatever. It took a week to get through to anyone. Calling there requires 30-40 minute hold times. Even if you have a direct number and extension it goes through a main line. When i finally spoke to someone they claimed the date couldn't be read so i had to send the documents again. One number in XXXX  was kind of dark because of the pen i was using so they rejected the documents. It is ridiculous and this is another delaying tactic. 
I sent the documents again and more waiting. After hearing nothing for weeks i called in and they claimed they were waiting for another payment. I don't believe and have never believed these people had good intentions or intended to honor the law or any of these agreements. Just like when they bought this account they delayed and played dirty tricks so they could seize my house and make big profit since everyone knows debt collectors pay pennies on the dollar on collection accounts. There needs to be an investigation into this company to see if they have defrauded or attempted to defraud others out of their property. When they originally received the agreement documents the payments were up to date but they dragged their feet to have an excuse to pull some more dirty tricks. I am XXXX XXXX XXXX and wanting to give this house to my son so he can enjoy it but this company is intent on making my life XXXX XXXX XXXXXXXX so they can ruthlessly steal from me and line their pockets. Because my family is here with me we are all living this nightmare. I have even more trouble because XXXX hackers stole my money out of my bank account and i haven't been able to get it back at this time. My son is reluctant to pay this debt for me unless he has assurances that his money will not be taken and they take my house anyway. The question i have is why wasn't the re-modification finalized after they had the payment and the documents 3 months ago. Why delay and then claim somehow this is my fault and im still defaulting on payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX has had a data breach and I was a victim of this data breach which has lead to identity theft. I have said sent these things to the credit agency and they have refused to delete it. THIS IS ILLEGAL. And they continue to keep illegal accounts on my credit report. this is according to the FCRA 15 USC 1681 section 623 ( a ) ( 6 ). and actually there is many different violations. So I demand that these excessive inquiries be deleted along with these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

And because this will be deleted off my credit due to illegal practices. It is illegal that the the same thing must be reported on all three major credit bureaus. So I demand a deletion immediately!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been blocked from initiating any type of transactions like wires, ach, cashiers checks, and all other electronic electronic transactions without notice due to updating my phone number. Upon calling Capital One bank they say that the " system '' needs to trust the phone number but they don't have a defined time period for that. I am about to miss the window to close on my house due to this issue. Capital One is not providing any resolution and even said that going to the branch in person will not suffice if the system does not " trust '' the phone number. My funds have now been placed in a state of limbo with no time frame attached to a resoultion. None of these terms or conditions were disclosed to me upon account set up or when I initially asked if I could perform wire transfers from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: VALLEY NATIONAL BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I applied for Valley National Bank XXXX XXXX Account on Monday XX/XX/XXXX. I called into customer service ( XXXX ) XXXX on Saturday, XX/XX/XXXX to confirm that as an existing customer with an existing account that I would be eligible for this new account promotion where I would receive {$200.00} for opening a new Premier Checking Account and setting up direct deposit. The customer service representative informed that I was indeed eligible because there were no terms that required me to be a new customer. Since I was having problems submitting the application, I called customer service to help me with the application on Monday XX/XX/XXXX. After a long hold, in which I had successfully submitted the XXXX XXXX Account application online, they informed me that I was not eligible for the account because it was only for mortgage and new checking customers only. However, this was not mentioned on the page promoting this account or in their terms and conditions. They went to investigate this and called me back 10 minutes later. The customer service directed me to another page that conveniently had this language that the account was " available to mortgage and new checking customers only. '' This two different pages did not even link to each other. I attached a copy of the terms and conditions that did not mention that I had to be a new customer to receive the bonus ( under XXXX ) and the page I was sent to after calling them that had their new customer requirement ( under XXXX ) both with today 's timestamp so they can not claim it had been there all along.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2022, I requested that my personal information be updated/corrected on my consumer report by " EXPERIAN '' XXXX which they still continue to report addresses I can not receive mail or correspondence nor do I have access to any of these addresses. I have not received any information on this situation. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have the right to privacy. Not granting me my rights is in violation of 15 USC 1681 and all its subsections.

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