BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX  LLC # 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 explanation
Consumer complaint received 2021-07-17
Company: Factor Trust
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
This company as been collecting personal financial information about me a selling it as a part of a service they provide. I have never been informed of this collection nor have at any time given them permission to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: TX
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:
Equifax refuses to remove an unauthorized account from my consumer report. They refuse to follow the fair credit reporting act. My rights are continually violated. Pursuant to 15 usc 1681i, they have not conducted a proper investigation. Instead, they allow the fraudulent creditor to make the decision of whether they want to delete the fraudulent account or keep reporting. 15 usc 1681i states that the credit reporting agency is required to conduct an investigation with consideration to the information I provide, and make an impartial decision. Equifax is not acting fairly towards me nor are they protecting my privacy.

Equifax is reporting two different credit scores as on XX/XX/2022. They are reporting a XXXX as well as a XXXX. This is a violation of the Fair Credit Reporting Act. Equifax recently lost a lawsuit for this same practice and continue to violate consumers with this illegal practice. Equifax is also allowing an unauthorized creditor to report two accounts with the same information, on to my credit report. This is another violation against my consumer rights. Equifax obtained no permissible purpose for these unauthorized accounts, and are allowing companies to pay them and cause harm to me and with no regards for my life or future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: Continental Finance Company, LLC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was reviewing my credit reports from the 3 CBs and found that I have a hard inquiry on my credit report from Continental Finance Company from XX/XX/19. I never requested credit from this company on or near this date. 

I called XXXX and spoke with the fraud department who told me that I need to call the creditor from the inquiry to obtain a letter before they can delete the inquiry even though I told them that this particular inquiry was fraudulent. 

I called the creditor at the number listed on the hard inquiry on my report on XX/XX/19 & XX/XX/19 and stated that I needed to speak to the fraud department because I never applied for credit with the company and my information was fraudulently used to try and obtain credit. 

Both representatives in the fraud department stated that they could not find an inquiry under my name or social security number. I need a letter from the company in order to get the hard inquiry off of my credit report. They said that they cant find this inquiry even though its clearly on my report. I have included a screenshot of the inquiry from my credit report. 

I have also placed fraud alerts on my credit reports with XXXX, XXXX and XXXX  so that creditors must call me to verify my identity prior to extending and offer of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: CURO Intermediate Holdings
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I noticed Ad Astra filed something on my credit report. I immediately called them. I spoke to XXXX who said he would send us supporting documentation of this claim via XXXX XXXX as this was not a debt I believed I incurred. I received nothing and called back on the XX/XX/XXXX and was informed by XXXX that no one worked there with XXXX 's name and that we needed to write a letter to dispute it. She continued to state she could send us no proof of debt until we disputed it. We faxed the attached letter on the 6th to dispute this claim. I spoke on XXXX with XXXX to ensure receipt of the letter. She claimed they could do nothing until we filed a police report and would not give any information about the debt which I feel is not mine based on the current facts provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America has seized money from a Guardianship checking account under a fraud claim and will not release them. 
This is an account monitored by the Probate Court in XXXX, SC. BOA seized the funds out of this account back in XXXX 2017, and told me it was under fraud investigation. I have been to the bank multiple times to get information as to what is needed to release the funds back to me, but I have not been given any information. I made repeated trips to the bank and spoke with the branch manager and he made phone calls to the BOA legal department all during the month of XXXX, and the only response given is that it is under investigation. 

I had a phone conversation at bank of America to the Fraud department on XX/XX/XXXX, and did a follow up Email in regards to my account which is under fraud investigation. I understand that the funds of {$18000.00} are still held in the HOLD HARMLESS account by Bank Of America. I also understand that the fraud case is still open and someone is investigating the account. Also I understand that this person has the 18 pages of documents that I provided Bank Of America months ago that explain in detail from the Probate court that the account was a legitimate account.

I have asked Bank of America to provide any details of what they need from me or the Probate court to release the funds ASAP. At this point the funds are needed for my mother 's assisted living care. Also I need to provide the court with information as to why I do n't have access to the funds at this point, and what is being done to get them back.

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 2019-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 past XX/XX/XXXX I asked TransUnion to investigate an XXXX XXXX XXXX XXXX account that was either fraudulent or combined with someone else information. TransUnion investigated the about and deleted the account per the attached letter dated XX/XX/XXXX. Sometime in late XX/XX/XXXX I noticed that the same account was showing on my TransUnion credit report. I've contacted them several times with the most resent being today where I was told first told by XXXX in the " Special Handling Department '' that there was no record of the account ever being disputed or deleted. I pointed out that on XX/XX/XXXX I faxed a copy of TransUnion 's previous investigation results with yet another dispute, he acknowledged receipt of the doc 's, agreed the account in question was investigated and deleted, but said we had to go through the same lengthy investigation process. He could not explain why it was reinserted. Regardless of why or how, by allowing this account to continue to pop-up on my TransUnion credit report they are adversely effecting my ability get credit or if credit is extended it's likely come with unfavorable terms. I'm attaching my XX/XX/XXXX fax dispute and a copy of the XX/XX/XXXX TransUnion investigation results.

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 2018-12-22
Company: Caliber Home Loans, Inc.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had always been able to make my mortgage payments and pay my other bills on time until I lost my job and invested in a business that failed a few years ago. Both of these events caused me tremendous finance loss and I fell behind on my mortgage. My mortgage loan was recently transferred from XXXX to Caliber Home Loans. I recently found out that I apparently was offered two loan modifications by XXXX. This is news to me, as I would have happily agreed to them had I known about the offers. Unfortunately, XXXX never sent me the offers or contacted me and, thus I was unaware that there were options to correct my deficiency. I have overcome my financial difficulties and I am currently in a very good position financially and will be for the foreseeable future. When I became delinquent on my mortgage, I didnt know at the time that I could reach out to my mortgage servicer and receive mortgage assistance, as the thought never entered my mind and I was busy with other things in my life. After taking a look into this, it appears that they should have reached out to me or sent me documentation advising that I had options to get my loan caught up. If so, this would have been resolved a long time ago, but I never had a single point of contact or any other action that would have saved my home from going through foreclosure. I unfortunately was forced to protect my assets legally by filing for bankruptcy, but this is a temporary solution and I need Caliber to work with me so solve my delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Evergreen Acquistions, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Was contacted and left message informing me t

hat I was to pay and old pay da y loan with Evergreen Acquisitions that represented some lawyers. Debt was said to have been bought off from original lender and was now their righ t to claim all due debt.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: TX
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:
Equifax refuses to remove an unauthorized account from my consumer report. They refuse to follow the fair credit reporting act. My rights are continually violated. Pursuant to 15 usc 1681i, they have not conducted a proper investigation. Instead, they allow the fraudulent creditor to make the decision of whether they want to delete the fraudulent account or keep reporting. 15 usc 1681i states that the credit reporting agency is required to conduct an investigation with consideration to the information I provide, and make an impartial decision. Equifax is not acting fairly towards me nor are they protecting my privacy. 
Equifax is reporting two different credit scores as on XX/XX/2022. They are reporting a XXXX as well as a XXXX. This is a violation of the Fair Credit Reporting Act. Equifax recently lost a lawsuit for this same practice and continue to violate consumers with this illegal practice. Equifax is also allowing an unauthorized creditor to report two accounts with the same information, on to my credit report. This is another violation against my consumer rights. Equifax obtained no permissible purpose for these unauthorized accounts, and are allowing companies to pay them and cause harm to me and with no regards for my life or future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I own a house in XXXX, XXXX XXXX. The mortgage is held by Seterus, XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX. On my most recent statements, Seterus has been charging a monthly charge of {$260.00} for insurance and taxes. I have complained to the company ( letter attached ) that it is double-billing me, because since I took ownership of the property I have paid the property taxes ( recent XXXX County tax bill attached ), and have carried my own insurance. I have asked Seterus for an itemized statement of complete charges for insurance and tax charges, so I may claim insurance and property tax refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: EQUIFAX, INC.
State: PA
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:
I have contacted the 3 credit bureaus as well as XXXX XXXX XXXX  to investigate this account for accurate reporting as well as to verify and validate this account. I at one point had an account with them but i never owed them the amount that they state {$1400.00} ... ..im so confused because when i look at the report i see so much difference in the reporting between the 3 bureaus for example thhe high credit limits are different in all 3 bureaus ... .how can this be charged off and still have a credit limit? the comments are all different, date of last active and date of last payments are all different. look at the 2 year payment history on the bottom on what i attached..its different on all 3 ... .my question is how have all 4 of these companies investigated,  verified, and validated this debt when the reporting is all over the place ... they did not conduct a full an honest investigation is what i believe and this is affecting my ability to purchase a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Around XXXX 2015 I opened this account. I made payments on time for a long time every two weeks. I had to get a divorce due to a XXXX marriage. I called them to work out new arrangements said they work with me and I was in no danger of getting reported to the credit bureau. They never reported all the payments I made on time. However without notifying me they reported me negative with Experian. The fair credit reporting act states a creditor is suppose to notify you when it supplies negative info to a Credit reporting agency.

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 2021-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I tried to reach out to get both accounts opened back up. Capital one told me my account was subject to fraud even though Ive been a customer with them for XXXX years. They closed my account and a month later they report my credit being XXXX days delinquent. XXXX. This is preventing me from getting a home loan at this time. Im willing to take this matter to court. I want to settle this matter with simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have contacted the 3 credit bureaus as well as XXXX XXXX XXXX  to investigate this account for accurate reporting as well as to verify and validate this account. I at one point had an account with them but i never owed them the amount that they state {$1400.00} ... ..im so confused because when i look at the report i see so much difference in the reporting between the 3 bureaus for example thhe high credit limits are different in all 3 bureaus ... .how can this be charged off and still have a credit limit? the comments are all different, date of last active and date of last payments are all different. look at the 2 year payment history on the bottom on what i attached..its different on all 3 ... .my question is how have all 4 of these companies investigated, verified, and validated this debt when the reporting is all over the place ... they did not conduct a full an honest investigation is what i believe and this is affecting my ability to purchase a house.

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 2018-01-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Confusing or missing disclosures

Complaint:
I have been a business customer of Wells Fargo since XXXX with multiple accounts, on Tuesday XXXX I received a letter from Wells ( attached ) and a cashiers check for erroneous fees with interest ( reimbursement for one of my wells accounts that was closed, I am still a wells business customer ) Because of the high amount of the cashiers check I called the number on the letter and on the cashiers check and they verified that it was correct. I am still a customer of wells so I went into a branch to speak to a banker about it, they contacted the wells department that issued the cashiers check and the branch manager ( XXXX, XXXX XXXX Branch ) spent 30+ minutes on the phone with the corporate office reviewing my account and they verified that the payment from wells was accurate and it was from the overdraft fee case. I asked for a reconciliation of the payment but they could not provide one but assured me it was accurate. I deposited the cashiers check into my wells business account and once the funds we released and cleared, I proceeded to make payment to creditors of mine and settlement agreements and I released the funds for those payments from my account. The following afternoon I logged into my wells account and found it was XXXX. The cashiers check from wells that cleared was removed by wells with no explanation. With my account XXXX over drawn, I contacted everyone possible and was told that the resolution department is looking into and that they believe it was a bank error and that it happened to hundreds of customers, finally a week later I received a letter in the mail with a " substitute check '' with a notation on it that said it is a legal document to be used in the same way the original cashiers check could be used. I called the automated phone number on the cashiers check and the was told that the item was reported as lost, stolen, or damaged and stopped. I did not report the item as lost stolen or damaged Finally yesterday I received a call from XXXX XXXX from Wells Fargo stating that it was an error but they will bring my account to a XXXX balance and send me a XXXX for the funds. This is appreciated but I am unable to undo the settlement agreements that I made with creditors once I was given the funds from wells Fargo via cashiers check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief