BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: EQUIFAX, 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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
This is a billing error I the consumer have become conscious of with CapitolXXXX. I natural living person, I come with clean hands and good faith, UCC 1-304 ) I the consumer have entered into a contract with CapitolXXXX XXXX XXXX XXXX  XXXX # XXXX, billing error balance XXXX dollars, CapitolXXXX  XXXXXXXX XXXX XXXX XXXX # XXXX billing error balance XXXX, and capitalXXXX XXXX XXXX XXXX XXXX, # XXXX billing error amount XXXX, I Unconsciously knowing all bills are prepaid, according to United States government pledged to pay debts 31-USC 3123. We are presently under the banking act of 1933. UCC-9-307 ( H ) There are no Lawful money of substance in our economy, there is nothing to back Federal Reserves Notes 31 USC 5118 ) I have been volunteering paying debts, therefore I would like CapitolXXXX  to leave all accounts open active and in good standing, Therefore I know I can't pay debt with debt. It's unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: SC
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 this account ( XXXX ) Has violated my Federally Protected Consumer rights to privacy code ( 15usc 1681 ) .They aren't in compliance with metro 2 credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: AMA Advisors, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Homebridge GA failed to pay my taxes for XXXX in XXXX Then they sold my mortgage to there sister company homebridge NJ  and never sent any of the paperwork to them. Homebridge GA told me back in XX/XX/XXXX it get paid in XX/XX/XXXX. Then i discovered they sold my mortgage. Homebridge NJ told me they'd pay my taxes in XX/XX/XXXX. They didn't i had to called them 3 more times before payments were made two of them to XXXX office. they lied to me about when and how many payments were made and it still has an outstanding balance. 

Homebridge GA  has still not sent my paperwork to Homebridge NJ and now my escrow is gone. Seems someone as Homebridge GA  is embezzling money. My escrow has vanished homebridge NJ has informed me i have to pay XXXX $ or get XXXX increase to my mortgage. I can not believe in good faith that this is a mistake. it seems to me that they are stealing money and hiding the paper trail. I have the documents for all the above. I will be filing a complaint to the IRS for tax fraud as well. I contacted NJ state bank and file a complaint there as well. XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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: Reporting company used your report improperly

Complaint:
THE US Department of Education and XXXX XXXX violated " Privacy Act of 1974 '', and " Family Educational Rights and Privacy Act '' rights according laws and statutes in regards to the PRIVACY of my student education records.

Per the Family Educational Rights and Privacy Act ( FERPA ), no unauthorized third-parties should have any supposed educational record and report them to data furnishers of any sort : The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

20 U.S.C. 1232g As a consumer I was never given noticed or authorized the transmission of personal identifiable information -- -- - In Hinkle v. Midland Credit Management , Inc., the Courts said, during a dispute and subsequent reinvestigation, with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation.

That means an original contract or similar proof, not just a printout of the payments that were made. Provide all DOCUMENTARY EVIDENCE from the public and private side according to GAAP that this is a valid and verifiable debt you are reporting and claiming the accused debtor, myself, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit reports. Please be aware, XXXX  has already deleted this account as it was in violation. You can not report an account that you have no legal right to collect because, I do not have a verbal or original written contact bearing my signature with your company, giving you the right to collect. I have enclosed a snapshot of my credit report showing the reporting. 

Delete per violation, cause you have no legal right to collect because you do not have no original contract on file with my bearing my signature and please do not reply with copies of credit card statements, or copies of papers from third party carrier or original creditor, as this do not validate the right for you to collect, as this will not hold up in court. 

Again, I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt. 

Based on US contact law, I should only pay the original company and do not have to pay the collection agency. 

By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering, this reporting as cause me to be denied of funding. For your records and proof, I have enclosed a copy of the credit reporting.

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 2020-04-24
Company: Experian Information Solutions 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:
ftc violations n the state of Texas, debtors are primarily secured against harassing and deceptive collection acts by the FDCPA or Fair Debt Collection Practices Act. Under this act, debt collectors are forbidden from : Repeatedly or continuously calling debtors or creditors. ... Violently threatening creditors.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 2023-03-15
Company: Experian Information Solutions Inc.
State: GA
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, XXXX XXXX the natural person Consumer '' ), have become aware of ( multiple violations of Consumer Credit Protection laws by XXXX XXXX, ( " Debt Collector ' ), in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. 

Pursuant to 15 USC 1692e ( c ) and 15 USC 1692g ( b ), I dispute the alleged debt and am demanding that you cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred. 

Remove the account XXXX XXXX  number XXXX i did not give consent or permission to furnish this on my consumer report

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 2019-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I received my XX/XX/XXXX billing Statement from ( BANK OF AMERICA ) For a sum total : XXXX. With A due date of : XXXX XXXX. 
On XX/XX/2019 A payment was made To B.O.A, For A some total of : XXXX, Within the thirty day time frame on XX/XX/XXXX I received my billing statement for the month of XX/XX/XXXXt charging me a interest fee of : ( XXXX ) I Called B.O.A to inquire into the miscalculation of interest, And was told by a representative That : " I was charge interest for the balance of XXXX cent. And because I was a loyal customer she would take off XXXX dollars of the balance.. However this predatory practice employed by Bank of America is contrary to regulatory procedures I should not be Charge a balance of ( XXXX ) because balance was paid in full expect ) XXXX cent.

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
Consumer complaint received 2017-07-06
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom this may concern : My wife and I have finished our trial payments with Freedom Mortgage. I believe our modification is in the underwriter 's department. I have repeatedly tried to contact our single point of contact, finally today XX/XX/17 we were able to speak. My concern was we had satisfied our trial payments and what we needed to do going forward with additional payments. The single point of contact told us to continue to make monthly trial payments until Freedom Mortgage contacted us. Have n't we already satisfied that requirement. Some of your representatives told us to not make anymore payments until we heard back, we are most diffidently confused. Our main concern at this point is to have a clear understanding, preferably in writing what to do about making future mortgage payments until the modification is complete and all documents are signed, we also want to make sure that our payment history shows current on our mortgage while we are waiting for completion of our modification. Thank you for your understanding.

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 2022-05-23
Company: Experian Information Solutions Inc.
State: GA
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 U.S.C 1681 section 602 A. states I have a right to privacy 15 U.S.C section 604 section 2 : it also states a consumer report can not furnish an account without my written 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 2019-04-23
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: Problem with personal statement of dispute

Complaint:
I recently checked my credit report and realized that there are a couple of inaccurate information on my credit report. I was saddened to learn that you somehow verified the disputed item 's, electing to leave them on my report. 


XXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX Account # XXXX XXXX - Account # XXXX XXXX XXXX- Account # XXXX I am absolutely certain that the item is incorrect and asking that you please verify to have these accounts deleted from my credit reports so I am hereby exercising my rights under FRCA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. FCRA 611 ( a ) ( 6 ) ( B ) states that upon request, you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to, the business name, and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: WELLS FARGO & COMPANY
State: WI
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 checked my credit reports and noticed the inquiry on there but have not done any business with this company. They will not remove it.

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
15 U.S.C 1681 section A. States I have a 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. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # 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 2019-07-26
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/XXXX : I emailed customer service asking if there was an upload function for submitting IBR documents, which were due by XX/XX/XXXX. 

XX/XX/XXXX : Customer service representative XXXX replied, instructing me to reply to the email with attached documents. 

XX/XX/XXXX : I did as I was instructed in order to have my documents submitted and processed well before the deadline. 

XX/XX/XXXX : I was charged standard repayment amount, which was autodrafted. 
Interest was also recapitalized, adding {$13000.00} to my total. 

XX/XX/XXXX : Called customer service and spoke with XXXX. I explained that documents had been sent in XXXX as instructed by a representative of AES. XXXX instructed me to re-send the documents to XXXX as before. 

XX/XX/XXXX : Sent all necessary documents again to the email address given. 

XX/XX/XXXX : Called customer service to confirm receipt of email, spoke with representative XXXX. I was told email attachments were unsuitable and that I should mail everything in. Representative apologized for the misinformation I was given on multiple occasions and suggested that I request in writing expedited processing and a correction of the payments and recapitalization. 

XX/XX/XXXX : I mailed hard copies of all necessary paperwork to the address provided, along with a hand written copy of this timeline, copies also attached. Requested expedited processing of paperwork, as well as correction of my XX/XX/XXXX and subsequent payment and a reversal of capitalized interest. Never received any acknowledgment of request. 

XX/XX/XXXX : Called customer service again and asked for escalation. Spoke with XXXX, who expressed his confidence that the capitalization would be reversed. He asked for 4 weeks to investigate and find a solution. 

XX/XX/XXXX : After leaving a couple follow-up voicemails, XXXX called and informed me that my case had been rejected. He kindly commiserated with me, but told me the only thing left to do was write an appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I used my Bluebird card for XXXX XXXX hold until I returned the car. XXXX released the funds and Bluebird is giving me the run around telling me different stories, one being that XXXX did n't release the funds yet, and another being that it was released but American Express requires the funds to be held for 30 days. Also when I called Bluebird, I had to call back about four times because every time I asked to speak to a supervisor, I was hung up on by the representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}, {$300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification  for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$300.00} -This is not my account.

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