BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: CA
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 upgraded my XXXX  through the XXXX XXXX XXXX offered by XXXX XXXX  a few times over the past year. It is my experience that opening a new XXXX XXXX XXXX loan would result in a soft credit inquiry, which provides XXXX XXXX  access to my credit report information, but such inquiry is not visible to any other creditors, and would not have any impact on my credit score. I have also been advised by a representative of XXXX XXXX  that when upgrading an XXXX already part of the XXXX XXXX XXXX, a credit check is not performed at all ( no soft or hard credit inquiries ) as it is considered a renewal of the loan based on credit already extended using previously acquired credit information. Unfortunately, during the upgrades on XX/XX/XXXX and XX/XX/XXXX, a hard inquiry was placed on my Equifax credit report, causing an impact to my credit score. Im requesting such inquiries be removed from my Equifax credit report ( and other credit bureaus if any were affected. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 have sent this company 2 letters asking for help to resolve this issue with them. They have ignored my request to communicate with them about this is. I have provided copy of police report and letters asking them to provide me with information that bare by signature showing that I have authorize them to pull my credit report for any purpose. The repeated non communication from the blow company about this serious issue shows that they are in violation of my rights : as per the Fair Credit Reporting Act section 611. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ).
I have also taken the necessary steps to put fraud alerts on my credit profile as a safe guard to help prevent this from happening in the future.
Capital One Bank USA Na XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize your company to make this inquiry : Date from XX/XX/XXXX and XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company.
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You would be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Dominus Law and Recovery, LLC.
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have been contacted multiple times now by different debt collectors from XXXX XXXX XXXX. I do not know what XXXX XXXX XXXX is nor do I ever recall getting a loan. They threatened to have me arrested if I didnt pay the {$600.00} in 24 hours. They would not provide me with any information regarding where the loan originated or and documentation of any kind validating the debt. I have no problem paying me bills but if I cant be provided proof I owe anything, Im not going to give my card or bank information. They said they were from The XXXX XXXX XXXX in XXXX FL. I looked them up and it says nothing about debt collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
Firstly, you need to add a new section for complaints about scores changing or going down when there is nothing that changed. 

Transunion reduced my score by 11 points and I quote " we saw no changes to your credit report ''????????? 

I have paid off credit cards and my score has gone down I have paid cards to XXXX from {$1000.00} - {$2000.00} and get 2-5 points, but let my balance go up on a card from $ XXXX {$100.00} and my score drops 60 points. 

I will keep sending these complaints until someone listens to them.

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 2021-08-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I mailed off a dispute letter over a month ago. the credit bureau has not responded nor corrected my problem.They are reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Ocwen Financial Corporation
State: PA
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:
XXXX - need to remove bankruptcy from my account. I sent them everything they needed and I didnt get anything back. 

Ocwen. Needs to open my account. They have my mortgage as paid off. Its not I make payments. I sent all the information on another complaint. 

XXXX XXXX XXXX all show my account closed. 

I cant use the XXXX boost because I have extra security on my bank account because of ID Theft Please help. Im working really hard to settle all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Pennymac drastically under estimated our escrow account because they did not look at the actual tax bill, they look at what was paid the previous year ( we only owned the house from XXXX-XXXX  that year ). This seems negligent because our tax bill was put out in XXXX and our escrow analysis was done in XXXX. They had access to the accurate numbers yet chose to use inaccurate numbers. Due to this inaccuracy we had a deficate in our escrow account and now they are raising our mortgage payment 40 %, our payment is going from about {$1200.00} to about {$1700.00}. I have spoken with several different representative at Pennymac trying to figure out how they allowed this to happen and why they take no responsibility for their inaccurate estimate even though the correct information was available for them to use and each person gives me a different story and excuse and all refuse to admit there is anything wrong about the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today, XX/XX/19, I set about freezing my credit report. I had no problem with XXXX or XXXX XXXX. When I attempted to freeze my report with Equifax, I am one of their victims, I was asked a series of questions regarding some distant credit accounts that are no longer active. I answered incorrectly somewhere in the process so they will not freeze my report. They will not give me a report because I can't tell them what is on it. So I can't freeze, mean while the others worked with me to get it done. The person on the phone then told me I would have to send a hard copy of my social security card to them. I can't believe they are even allowed to request this. I want Equifax to remove me from all of their files and leave my personal life alone. I want nothing more to do with them. They are the incompetents who allowed my information to be stolen. They are heavy handed thugs who control my information for their profit. They will not allow me to protect myself because I can not meet their self imposed criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Cactus Jacks Auto Sales
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Harrassment dealer refused to accept payment XX/XX/2019. My account is currently paid. I have a payment due today XX/XX/2019. I recieved a visit today XX/XX/2019today from auto task force harassing family about vehicle. This dealer cactus jack intentionally tries to attempt to force you to default on payments. This dealer never mentioned the vehicle was in accident before also. This shady practice of attempting to force default instead of encouraging payment. Then to send someone to my home with fake legal documents about the vehicle that is not behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions 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:
I sent this credit bureau XXXX rounds of dispute letters asking that they fully verify XXXX collection accounts listed on my credit report from them as I believe that those accounts could possibly have illegal collection fees. In those dispute letters I asked that the debt be verified by providing original documents to support the claim. Each time I disputed, they " verified '' the accounts without sending original documents to fully validate the accounts.

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 2022-02-07
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Westlake has violated by invading privacy on alleged obligation XX/XX/22 left a letter for occupants not verifying abode, violated telephone consumer protection act, threatening and abusive tactics against consumer, calling XXXX or 4 times DAILY.

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 2017-07-26
Company: EQUIFAX, 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 disputed a line item on my Equifax report. There is a charge of {$37.00} from XXXX XXXX XXXX. I always paid my dental bills at time of service and insurance also paid the bills. This is a fraudulent claim. If necessary I will file an action in state court for slander of credit. This claim was reported on XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
My name is XXXX XXXX. My husband XXXX and I are members of USAA bank. We took out a personal loan last Thursday for {$20000.00}. This loan was going to be used to pay off a different loan at another bank. I specifically asked them to mail me a certified check to be made payable to another bank. I asked them to mail the check to my attention at my place of employment because I did n't want the check sitting in my mailbox. Instead they mailed they mailed the check directly to my employer at XXXX XXXX XXXX college and did not put my name anywhere on the envelope or the check. I found out later that my finance director wrote void all over the check and called USAA and was told to mail it back to them. The check has yet to show up and now I am getting the run around from usaa and have been since last Wednesday. My husband and I are both police officers and he is a former XXXX. We ca n't afford to have two {$20000.00} loans open. I am respectfully asking for your assistance in getting this resolved, especially since this is a federal bank. I look forward to hearing from you soon please. I have escalated this problem all the way to the USAA 's president 's office and they have yet to make their error right. Here is a list of dates and times that I have spent on the phone with USAA trying to get this resolved : XX/XX/XXXX at XXXX  and XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX, XXXX and XXXX The lady from the president 's office who was assigned my complaint on Friday did not reach out to me until Tuesday after I called and left two voicemails. She did tell me that if she could find the original recorded phone call where I ordered the certified check, it would be simple to stop payment on it and return the money to my checking account. She also said if she could n't find it and the check was lost, I would have to wait another 90 days.
Thank you in advance for your time. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to contact my mortgage company for hours with no luck. I cant even get on hold for the next representative. I need to contact the insurance dept. I have an insurance claim pending and need to send the the check to cosign so i can pay the vendors. After jumping through numerous prompts all i get is their voice mail system and you need an ext or a person 's name to connect, which i have neither. I cant afford to pay to the repairs myself and need to speak with someone who can give me instructions on how to get the check signed by them or for them to waive the fact they need to cosign in which case i just need a email from them stating so

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 2019-10-01
Company: Experian Information Solutions Inc.
State: IL
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:
According to my XXXX XXXX which I monitor with XXXX XXXX XXXX, my score dropped over 100 points within a 30 day period. There were no significant changes to my credit report other than my move ( two blocks ) to a different apartment. This is not supposed to affect the credit score!

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 2017-07-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I presently pay XXXX XXXX for credit protection. I check with them periodically to make sure that my Fraud Alert is still in effect. I asked them for a 7 year Fraud Alert on my account in 2016. Just recently when I applied to get a XXXX cable account, I found that my Fraud Alert was not in effect, and that Experian gave out credit information on my account. I was informed by XXXX XXXX that when I ask for a Fraud Alert that they inform the other XXXX companies of my request. When I followed up with Experian I found that this is not so.The other companies are not informed of my Fraud Alert and I have to do this individually with each company. I was able to put on a 90 day Fraud Alert over the phone with Experian. But had to re-activate the 7 year Fraud Alert with XXXX XXXX once again, even though I was informed by XXXX XXXX that it was in place in 2016. Furthermore, I wanted to update my telephone number. I had changed my home phone number to a new one. I could not do this with XXXX XXXX over the phone. One of the three questions that were asked did not pertain to me so they decided that I had FAILED the test, and would not change my phone number. The agents all in XXXX were rude and very unaccommodating. I could not believe their treatment of me in both of the Fraud Alert sections in Experian and in XXXX XXXX. To date, I have been asked to submit ( 2 ) proofs of identity, a current bill with my address on it and a cover letter informing them that I have changed my home telephone number. Experian and XXXX XXXX have asked for all of the above, yet Experian went ahead and released my credit information to XXXX in any case. I believe the system of the XXXX credit companies to be very confusing to the consumer and far from uniform. Each company works independently and not interdependently as the consumer as led to believe. Also, the fact that you are speaking with representatives who are all in XXXX makes it difficult for the consumer to understand them clearly. In addition, the questions asked of the consumer in order to be able to change information over the telephone in most cases are inaccurate and not applicable in my case.

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 2020-04-30
Company: Innovis
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ftc violations attached potentially Negative show XXXX XXXX XXXX/XXXX/XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX/XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX/XXXX XXXXDispute XXXX/XXXXXXXXDispute XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as DOB or SSN in order to appear on your credit file. The Credit Bureaus has not updated the information per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as DOB or SSN in order to appear on your credit file. The Credit Bureaus has not updated the information per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports.

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