BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
Bank of America incorrectly charged off an overdraft line of credit on my checking account in XX/XX/XXXX. I wasnt contacted by B of A to collect in either writing or by phone in an effort to collect. I didnt know about this default, until I applied for a Mortgage, for a new home in Arizona , in XXXX of XXXX. After trying to correct the matter, they told they had made some data base changes and could no longer collect. They couldnt find the loan in question. They would give me a letter that they wrote the debt off. Clearly that wasnt sufficient for the mortgage company. I was penalized with a higher rate. After more research into this matter and spending about 40 hours on this, I was able to find the recovery department at B of A and make the payment ( see letter attached ). This no longer shows up as a default, but 90 days late. I have banked with B of A for 40 years. I have had numerous loans through the years. I have never been late, let alone defaulted on any loan. I shouldnt be hit with 90 days late when this was B of As mistake by not notifying me of this collection. Again, there were no phone calls or letters in an effort to collect. This is affecting my FICO score and credit rating

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 2020-09-16
Company: EQUIFAX, INC.
State: NV
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 XXXX XXXX 2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have filed a dispute with XXXX  and XXXX  and the investigation took well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Northstar Location Services, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A debt collector called my in-laws looking for me and my wife. I don't know what debt they might be talking about as we are currently making payments on several accounts that went past due. 

The debt collector told my in-laws to have me or my wife call a number. They gave my in-laws the number. When you call the number a recorded voice clearly identifies the number as a debt collection agency location service. The number they gave my in-laws is XXXX. My in-laws called the number and now know we are battling a financial problem and trying to get our debt straightened out. 

We called the company and fixed the problem with our account. We also asked them why they called. They claimed they just called numbers listed on the account. We told them that regardless of the number on the account they shouldn't have provided my in-laws with phone number to a debt collection agency. For example, my kids could answer my cell phone. That doesn't give them freedom to tell my child a debt collector is looking for me. They completely disregarded our concern and demanded payment on the account. 

They removed all 3rd party contact information from our account but before they did we confirmed that they had a hole slew of numbers that our not mine or my wife 's. For example, they had my wife 's ex-husbands number and his mother 's number as contact numbers for us. My wife divorced him over 10 years ago and neither he or his mother are people we associate with positively. In fact, we are in a custody battle with him because I am trying to adopt my step children for which he is the biological father. The last thing we need is them knowing we are also having financial issues. The company would not confirm whether or not they had called any of the numbers we had them remove from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: M&T BANK CORPORATION
State: PA
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:
This complaint is in response to my original complaint # XXXX on XX/XX/2020 which was closed with feedback. XXXX XXXX XXXX bank is awaiting a feedback or response from me as they have realized that there investigation needs further review. My original feedback was that I did not understand the companies response. I also dont accept there response. There are still a couple too many inquiries for same loan product on my experian credit report. The consumer advocate at XXXX XXXX XXXX will know what we discussed on XX/XX/2020 and will reinvestigate my original complaint. Advocate has further information I provided and may contact me if more is needed.

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 2018-09-06
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: Account status incorrect

Complaint:
I contacted XXXX to request two late payments to be removed and was told to file a complaint or dispute instead ; XXXX will review the facts of the complaint or dispute and make a determination after. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account Number : XXXX XX/XX/2018 To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains two ( 2 ) late payments reported XXXX & XX/XX/2018 for my 75-month Installment Loan account. 

I want you to know that I understand my financial obligations, and if it werent for me losing my job due to being laid off, I would still have an excellent repayment record as noted with my payment history. I made a mistake when I fell behind, but since then, I have successfully gained new employment with XXXX XXXX grossing $ XXXX annually. Since then, Ive had a spotless record of on-time payments. 

As a single father of XXXX boys who I currently have full custody of, Im now planning to go from being a renter to a homeowner. With my plans of applying for a mortgage, its come to my attention that the missed payments on my record will hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for both XXXX and XX/XX/2018. 

Thank you for your consideration, and I hope youll approve my request. 

Best, 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 2018-03-14
Company: Stenger & Stenger, P.C
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is a dispute with Stenger & Stenger XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. They purchased a XXXX XXXX  credit card debt from XXXX XXXX XXXX XXXX XXXX. They were awarded a Default Judgement in XXXX County MN, on or around XX/XX/XXXX, in the amount of {$10.00}, After years of requests to provide me some validation of debt, and/or account history, Continuously was told they didn't need to provide me that -- the debt was to old and they had earned a default judgement and they couldn't/did n't need to. During the month of XX/XX/XXXX ( without warning and unknown to me until XX/XX/XXXX ) I received fifteen ( 15 ) months of alleged statements. The charges accrued according to those statements was pathetic. There were 7_8 separate ACH checks in the amounts from {$100.00} to {$1400.00}. Each/most incurred a fee of {$14.00}, a {$39.00} over limit, and a $ XXXX- {$39.00} return fee, Interest charge of 29.99 %, in addition to the $ XXXX0- {$35.00} return fee at my bank. Inever authorized any of those ACH attempts ( had I authorized them I would have had the money to clear ). Since the futile attempts to resolve after default judgement in XXXX  County Court ( XXXX ) after being unable to resolve, Stenger & Stenger garnished my wages at which time I set up a {$75.00} biweekly/semi-monthly deduction out of my bank account. On or about XX/XX/XXXX the {$10000.00} was paid in full, and Stenger & Stenger acknowledged by filing a satisfaction of judgement in XXXX  County. On or aboutXX/XX/XXXXI spoke at length with XXXX at Stenger & Stenger about these issues. I have contacted Stenger & Stenger three ( 3 ) times since and all I'm told is they are closing the account. I expected ( from conversation with XXXX  ) that they were at least going to provide me information I need to validate account, which hasn't/is n't happening

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 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my 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 2018-03-14
Company: Experian Information Solutions Inc.
State: NC
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:
Starting on XX/XX/2018 until XX/XX/2018 I have sent three letters to XXXX, XXXX  and Experian and ALL three have yet to provide me the information as requested. Here is a simplified sample letter in regards to my request. 

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > Not Proven Compliant 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
Consumer complaint received 2018-03-14
Company: EQUIFAX, INC.
State: NC
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:
Starting on XX/XX/2018 until XX/XX/2018 I have sent three letters to XXXX, Equifax and XXXX and ALL three have yet to provide me the information as requested. Here is a simplified sample letter in regards to my request. 

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > Not Proven Compliant Account -- >

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX 2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 XXXX a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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: Account status incorrect

Complaint:
On XX/XX/XXXX I mailed a letter to Equifax .Consumer Financial Protection Bureau. , I, the American consumer am alarmed at recent news reporting that Equifax provided inaccurate credit scores for potentially millions of consumers to numerous financial institutions relating to my credit applications. The report quotes one Equifax executive, who said, Initial analysis indicates that only a small number of them may have received a different credit decision, and the CEO saying, The impact is going to be quite small, not something thats meaningful to Equifax. Equifaxs latest egregious abuse of consumers and its leaderships teams efforts to downplay the harm is yet another example of harm caused by what is quickly becoming a recidivist bad actor, and I urge you to use the full extent of your authority to hold Equifax and its leadership accountable. This incident comes five years after Equifax announced one of the largest data breaches in the history of our country, exposing the personal information of more than XXXX XXXX individuals, including myself. These numbers are false, these errors have affected everybody including me. 
Furthermore, you the CFPB took another enforcement action against Equifax in XXXX for violating several consumer financial protection laws for deceiving consumers about the value of the credit scores they sold, deceiving consumers into enrolling in subscription programs, and engaging in illegal advertising practices. They are still violating several CFPB laws. 
Based on Equifaxs initial actions in response to this matter, I am deeply concerned that I, the harmed consumer will be promptly identified, notified, or even made whole? Moreover, Equifaxs repeated violations of law that have also resulted in I, the consumer harm warrant a more robust enforcement action, instead of the typical regulatory fine that amounts to the cost of doing business. I demand that Equifax deletes these accounts from my consumer credit report and never furnishes this information again. I repeat. Equifax, you do not have my permission nor my consent to furnish any of these accounts on my consumer credit report. 
Therefore, I intend to utilize all tools available to me to ensure I, the harmed consumer are promptly made whole from our broken consumer credit reporting system going forward. 
Equifax providing any credit scores to financial institutions should cease until they can demonstrate to your satisfaction that they have the necessary systems and controls to ensure each credit score they provide on millions of us consumers is verified to be accurate before distributing them to financial institutions. I appreciate your attention on this matter, and I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, 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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am a XXXX XXXX of a company here in XXXX, AZ. I had a collection agency call for XXXX employee who i sub contracted from time to time. I explained several times that the customer/debtor was not here and that she had filed BK. Since then they have called back several different times after I asked not to call. I don have 2 recordings of conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
To Whom it may concern, I was recently reviewing my credit report and I noticed that there was an unauthorized inquiry on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. This fraudulent credit inquiry made by the following company : Inquiry : 1. XXXX XXXX XXXX on XX/XX/2020 Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally this unverified & unauthorized item MUST be removed!! 
I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

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 2019-06-13
Company: AmeriHome Mortgage Company, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a home in FL in XX/XX/2019. That mortgage company sold my mortgage to AmeriHome ( account # XXXX ). I was notified after the fact. AmeriHome is refusing to discuss any aspect of my loan with me unless I verify six points of contact information that they already have on record, every time I call. Per a mandatory disclosure recording playing on the hold line, they want to update this information so they can collect a debts should a customer default sometime in the future. I am not late on any payment, nor have I ever been late on any payment. Both agents I reached by phone the week of XXXX XX/XX/2019 refused to discuss my loan with me despite having sufficient identifying information ( name, loan number, social security number ) unless I provided their debt collection information. They refused to transfer me to a supervisor. They refused to provide any identifying information that could be used to report them. Both agents lied to me on the phone, claiming they needed the Debt Collection Act information " for my safety, to verify my identity. '' This should be illegal. There are hundreds of complaints against this company. I don't understand why they are allowed to continue to operate in this manner. Meanwhile, the homeowners insurance company has sent a second notice that AmeriHome has not paid the additional fee for including the previously excluded roof under my homeowners policy. I wrote to AmeriHome on XXXX XX/XX/2019 about this issue and received no response.

Company response to consumer: Closed with explanation