BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
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: Reporting company used your report improperly

Complaint:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Due to the breach of my privacy, I am requesting the following items be deleted Immediately. 

XXXX EMPLOYER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax EMPLOYER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I noticed that my most recent credit report contains a late payment reported For XXXX, XXXX for my Capital one Credit Card account., I had a major XXXX done I had XXXX done XX/XX/XXXX due to XXXXXXXX XXXX With my recovery 8-12 weeks Aside from this unforeseen and unavoidable circumstanceI have a excellent payment record with captial one and im not understanding why did they report XXXX and XXXX late payment reported to my credit repot and my account was granted hardship XXXX and the rep told me it wont be reporting late being thou i had a major XXXX done and was on bed rest so how i am going to pay anything i attached my XXXX  documents below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with the Maryland XXXX program to hopefully provide me with some assistance. I am in the final stages and have been told by the Maryland XXXX program directly that they have made a request for information relating directly to my loan in order to continue the underwriting process. They made a request on XX/XX/XXXX at XXXX and I was told on XX/XX/XXXX at XXXX that the Maryland XXXX XXXX has been in direct contact with our lender Truist via XXXX ( XXXX XXXX XXXX ) and that they have been unresponsive. At this point it has been almost 30 days. I contacted my lender the day the request was made and was told that it takes the Research Dept two business days to respond back to XXXX. Then I was told that they are backed up and it could take a little longer due to the amount of applications. It has now been almost 30 days and my most recent response was that they dont even have the request anymore. Im being told by the MD XXXX program that if my lender takes too long to respond it could delay or result in my application not being able to complete the underwriting stages. As the consumer Im stuck in the middle and it is extremely unfair and disheartening in already extremely stressful times for myself and my family. PLEASE HELP, I AM DESPERATE AT THIS POINT. 

Sincerely Signed, A man simply trying everything to keep a roof over his familys head.

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 2022-08-26
Company: Experian Information Solutions Inc.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently paid off two loan Mortgages In XXXX XXXX. Prior to paying them off my credit score was XXXX. The two loans were through XXXX XXXX XXXX and XXXX XXXX XXXX. Between XXXX and now my credit score has been reduced 100 points. I have no late payments or derogatory remarks to explain why this took place. The only thing listed on report is my new loan mortgage ( its in good standing ) and Child support, which is also in good standing. The only thing that has changed is the closed Mortgage loan accounts. Ive called all three credit Bureaus and XXXX, but no one can me give an explanation as to why closing those two accounts affected my credit score so negatively. I fully understand that closed accounts can reduce your credit score some. But, losing a XXXX points for paying loans off is unacceptable. My credit score went from XXXX to 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 2021-09-23
Company: Experian Information Solutions Inc.
State: MO
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:
All three credit bureaus the XXXX XXXX and several other data collection systems noted on the ftcc website are refusing to correct inaccurate information and only want to steal information to continue I am not volunteering any further information they will find my files they will correct the problem they will delete the inaccurate information or they will pay me XXXX XXXX per violation. If I catch any Bureau pulling another one page stunt as if they are openly refusing they will get sued 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 2018-08-07
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX endorsed my dependant into my auto policy causing my auto insurance premium to rise doubled after knowing that I disagreed to add my son XXXX as my dependant to my auto policy. I forward to them a check up to 10 % of unearned insurance for the month of my cancelation XX/XX/2018 after they cashed the check they sent me another bill for the difference and sent me to collections. Allstae actions has lower my credit scores from XXXX to XXXX. 

Unlawful harassment may occur with or without economic injury to, a consumer. I drive my dependents, friends, etc. my self when I need to and when I choose to do so anywhere in the USA just like everyone else. This is my constitutional right. 

An investigation into Florida 's Auto Policies underwriting policies forcing consumer 's to add dependents into consumer 's policies after insurance policy underwriters know they re not allowed to endorse a dependent without the permission of the vehicle 's title owner and when the underwriter 's know that the auto policy consumer who is the owner of the vehicle owner and does not agree to add the dependent and the dependent is not permitted by the owner of the vehicle to drive that vehicle and does not own that vehicle or any other vehicle. An owner of a vehicle has the right to say who can or ca n't drive their own title vehicle. 

An owner of a vehicle whose title of the vehicle is named only in that owners name has the right to transport any family member any friend any person they choose to transport at any time any where in the United States regardless of whether they live or not in the same household same state and specifically when that vehicle 's owner constitutionally has the right to decide who he ( or she ) may allow or may not allow others to drive their own titled vehicle. 

I am the sole title owner of a handicapped vehicle. My son is XXXX years old is my depedent and a full-time student. Prior to obaining his driver 's license we called XXXX to find out if Florida state law requires him to have auto insurance if he does not own or have title to a vehicle, he does not drive my only vehicle and he lives with me. The field support office employee XXXX stated he can have a driver 's license ( not speaking about a permit ) and does not have to have an auto insurance policy if he does not own a vehicle and he does XXXX XXXX in the state of Florida. 

XXXX is not the only insurance company who enforces Florida consumers to pay for auto insurance policies for dependants that the consumer has does not need. The insurance world enforcement tactics include endorsements unto a consumer 's auto policy a dependant without owning a vehicle nor is the dependant permitted to drive that  other person 's vehicle by the sole owner living in the same household. 

Florida Chapter 627.739 ; 627.7282, 627.7283

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
On XX/XX/2019 I logged on to usdirectexpress.com, I transfered approx XXXX  to my checking account and received a confirmation number. It specificaly said on there website that if the transfer does not go through that you will be notified. I was not notifed!
XX/XX/2019 I called direct express customer service and spoke with level 1 and level 2 customer service. I was told that they have been having technical issues with there website transfering funds to checking accounts and that it is not possible to do tranfers on there website anymore and they are advising customers to use there automated phone service to do tranfers to checking accounts. I had them connect me to the automated service and I requested the funds to be tranfered to my checking account and was given a confirmation number.
On XX/XX/2019 I called again because I wanted to make sure there would be no issues this time around. I spoke with level 1 customer service and was told that everything looked good on there end and that I should have the money in 5 days. I asked to speak with his level 2 manager because I did not want to take any chances with being given wrong information, such as happened in the past! He connected me with "XXXX" employee id #XXXX. I explained my situation to her. Explaining that this issue arrised on XX/XX/2019 and that I really needed my funds. After about 30 minutes of going back and forth with her she advised me that there is a NEW policy for tranfering funds to a checking account and that you must submit a copy of your state ID and copy of your checking account statement and that it must be emailed to XX/XX/XXXX and that it takes them 5 business days to process and approve.Then once its approved I can request a transfer again for the 3rd time and that I would have the funds 5 days after the transfer. I explained to her that I needed the funds urgently and pleaded with her to transfer me to the advocacy department or provide me with there phone number, she said it wasnt possible. I continued to ask her for options such as a corporate number and so forth. She said she had no other options for me and that she was disconnecting the call. She abruptly hung up on me!
THERE ARE OBLIGATIONS FOR PREPAID BANKING COMPANYS OR ANY FINANCIAL COMPANY FOR THAT MATTER. They are OBLIGATED to notify all customers by mail in the event that there are policy changes that affect your account. At the very least they can advise you on there website. Not this company! 
I have gone ahead and emailed the documents. I guess now I wait for another 10-12 days before I have my funds in my checking account if im lucky.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/XXXX I submitted a dispute to XXXX for XXXX XXXX XXXX account number XXXX thats reporting on my credit report. The account came back as verified. On XX/XX/XXXX I submitted a method of verification letter to XXXX. I never received a response from them. I contacted XXXX  on XX/XX/XXXX and spoke to a representative by the name of XXXX. I communicated to him that I submitted a letter requesting validation/verification of the above account on XX/XX/XXXX and I had not received any response. He acknowledged that he received it. I asked him to delete the account since they failed to verify it. He specifically said the account was verified but they dont have to tell me how they verified it or what information was used to verify it. XXXX also stated they dont keep information in consumer files about the debt. I know this is against the FCRA because all accounts must be 100 % accurate, 100 % verifiable and 100 % timely. Other violations on this account includes inaccurate reporting. XXXX  is reporting a closed account status with a balance of {$520.00} and an open date of XX/XX/XXXX while Transunion is reporting an open account status with a balance of {$520.00} and an open date of XX/XX/XXXX. Also, XXXX  is reporting payment history on a closed account and the debt has increased several times. Transunion is reporting ND for the payment history and the balance has also increased several times. To my knowledge, all are against the law. Im requesting for this inaccurate and unverifiable account to be deleted immediately from each of my credit reports. This account has caused my credit scores to sink and Im being denied credit because of it. Thank you for your assistance in this matter.

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 2018-02-04
Company: EQUIFAX, INC.
State: GA
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/XXXX I Financed a car thru XXXX XXXX XXXX, and I also got GAP insurance. Around XX/XX/XXXX the I was in a car accident and the car was totally. So I called my insurance company and my Gap insurance to file a claim. And for GAP insurance to Process your claim you must be up-to-date on your payment. so my GAP insurance paid the car off. But American credit acceptance informed the creditbureau it was a Delinquent account and it also charge off, but update it to paid charge off. They also wont do real Investigation.  They sent me my payment history. No notification on how they perform the investigacion or the outcome. And they Refused to investigate the matter. I received a letter from them in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Stating that they would not investigate when they did not do one. And the Information reported to the credit reporting agencies is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE IN THE REGARD OF TO THE INCORRECT ITEMS ON MY CREDIT REPORT AND THE INVESTIGATION TOOK WELL OVER 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: American Coradius International LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a written demand for {$520.00} from American Coradius International LLC XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX NY XXXX on XX/XX/2021. 

It alleges that I am in arrears to XXXX XXXX and that they have been assigned my delinquent debt under account # XXXX. 

I have only one XXXX account and that balance is, and has been for years, {$0.00}. I am uncertain if this is a case of overt fraud or mistaken/stolen identity, but my credit has been frozen for years and I'm having a hard time imagining a situation where someone was allowed to open a new line of credit under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have a parent plus loan for my son while he attended the XXXX XXXX XXXX   XXXX. The loan was originally Sallie Mae and is now with NAVIENT. The only success with help with lowering my payment was a forebearance, which only added more money to the parent plus loan. I have received a letter from XXXX XXXX on XX/XX/2018 telling me the if my delinquency is not resolved, your loans will default. Defaulting your loan ( s ) may result in the  following : Reporting of your default to each nationwide consumer reporting agency Offset of your federal tax refund and other federal government payments Garnishiing of your wages Assignment for litigation I am so tired of trying to lower my payments with no success. I need help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Sequium Asset Solutions, LLC
State: VA
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 company sent me a debt collection letter ( see attached ) in XX/XX/XXXX ( letter dated XX/XX/XXXX ). I have never heard from this company or the company they claim to be working for ( XXXX XXXX ). I have been a XXXX XXXX customer since my days in the military ( XXXX ). I do not recognize this debt. I contacted my attorney about this, and she recommended to send the company a debt validation letter. We sent the debt validation letter ( see attached ) on XX/XX/XXXX. This was sent via certified mail and we have confirmed that the correspondence was received on XX/XX/XXXX. As of today, XX/XX/XXXX, we have not received any correspondence or debt validation documentation from Sequium.

Even though Sequium did not validate the debt, they still went ahead and reported this incorrect information to the three Credit reporting Bureaus. According to my credit report ( see attached XXXX  and XXXX ), the information was reported to the credit Bureaus on XX/XX/XXXX. The company claimed to provide me 30 days to request debt validation before they reported to the credit reporting agencies, they still went ahead and reported the incorrect information to the Bureaus. My credit scored dropped over 80 points and now I can not access needed credit or refinance my house. As of XX/XX/XXXX the company is still reporting incorrect information. This company 's actions are unfair and abusive, and they are not complying with the Fair Credit Reporting Act. 

I would like them to be held accountable. They must cease and desist these unfair and abusive practices. It appears that they are doing this to many other consumers out there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation