BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-18
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:
in accordance with the fair credit reporting act i believe XXXX bank account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never gave Equifax written consent to report anything on my consumer report. They have no permissible purpose by law to contact third parties with my private or personal information. their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This is also incorrect info reporting on my Credit report. No other Bureau is reporting this info on my report other than Equifax. Ive been disputing this incorrect info for some time now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I am submitting an official complaint about Equifax. They have been delinquent in their responsibilities to protect my financial information. I have come to learn that time after time they have ignored attacks on their systems and choose instead profit over installing electronic protection of my data. In addition, the executives of this firm have profited on this negligence by selling stock, once they learned of the massive breach and before the information went public. I have no control as to these credit reporting companies obtaining my sensitive information and the lack of security they use to protect it. Consumers need more protection. The executives of Equifax must be prosecuted. They are no better, actually they are worse, than the criminals that stole my sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Avant Credit Corporation
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX XXXX I made a {$4.00} gum purchase to see if the Avant credit card was opened. I paid {$5.00} the same day to pay back through ACH from my bank online setting up the Avant payment. 
XX/XX/2020 it showed my payment on my Avant credit card. 
I called Avant credit card on XXXX XXXX and asked why hasnt the {$5.00} credit been applied to my card as I set everything up and it cleared my bank already so with them showing me a XXXX cent credit it still had my available balance as if I still owed {$4.00}? 
I called and asked about why it wasnt updated the representative explained to me it takes 11 days to post payments to my account? I explained 11 days for a {$5.00} payment that already cleared my account? 
I said close this account because Ive never heard of an ACH payment taking that long to credit back a credit card. They closed my card and stated if there is an annual fee it will be reversed because the card is now closed. 
The next day I get a email showing me now owing {$38.00} and its showing on my credit report? 
I closed this card I didnt have it open for 7 days at all and this company is not practicing proper credit card guidelines. 
I spoke with an attorney that referee me to file this dispute online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I received a final notice from loan depot regarding my proof of insurance. Loan depot kept asking me for proof of insurance for my townhouse for the duration from XX/XX/2021 to XX/XX/2021. Otherwise they will purchase insurance for me for {$230.00}. 

However, I and my insurance company, already provided my proof of insurance multiple times. I am with the same company for 4 years, and I have continues insurance with the same insurance company. I provided the proof of the insurance at the beginning of the year when I refinanced with loan depot, and subsequently provided proof of insurance multiple times, and spoke with their customer service people multiple times to point of their errors. They still failed to correct it. 

Also, how do they purchase insurance for a time period in the past?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: National Credit Systems,Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX on XXXX XXXX XXXX, which was operated by the company XXXX XXXX at the time have wrongfully claimed I owe them money in the amount of {$2200.00} and sent a false debt to collections. This was placed for collections with NATIONAL CREDIT SYSTEMS on XX/XX/2018. I previously lived at this apartment complex and moved out after harassment by management and enduring filthy living conditions ( roaches, bats, etc. ). My balance was paid and proper notice was given before moving out. The complex claims I did not pay them rent and is attempting to charge me for carpet installation. These attempts of extortion are an act of retaliation after I left negative reviews about the apartment complex and its management in online forums.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 was reported 30 days late on XX/XX/XXXX due to no fault of my own. I had a secured line of credit with Bank of America which was due on the XXXX of every month. Over five years ago I set this account up on auto-pay online through my B of A banking site because I care about my credit and do not want any late payments on my record. Every payment came out on time and posted 1 day prior to the due date until XXXX XXXX. These two months no payment was sent on my behalf and I was not aware of this. I paid off the account in full as soon as I found out. I reached out to numerous B of A customer service reps both from my bank and the credit side and all they kept saying was that the account was set up on auto-pay for only a specified time which I allegedly set up. I never set up an end date, I have never even heard of this process before. Every account I set up on auto-pay is continuous until I manually cancel it. 
I was very upset about not being helped, even after emailing XXXX that I closed all of my accounts with B of A. 
Just today, XX/XX/XXXX I spoke with a rep named XXXX that told me he dug deep into the account and found out that a B of A rep named XXXX canceled the auto-pay without my consent XX/XX/XXXX. I have no idea why anyone would do this. I never requested this or consented whatsoever. At that time I only contacted B of A regarding a lien that was reporting on my home which was incorrect as well. I never contacted them to stop the auto-pay because this would not be beneficial to me at all. I have always been responsible and paid for everything on time. 
B of A refused to remove this late even though it was one of their reps that did this. 
I did not receive statements for the month of XXXX and XXXX either so I did not know my payments didn't come out.

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 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 recently applied for a credit card backed by XXXX XXXX. I noticed they pulled my Transunion credit as well as XXXX. I thought it was odd but didn't realize how they obtained my XXXX data until XX/XX/2020 when I pulled my free annual Transunion report. At the bottom of the Transunion report there is a section for Third Party Supplemental Information. There is data from 3 companies listed : XXXX, XXXX and XXXX XXXX XXXX XXXX. These 3 companies have nothing to do with credit cards and loans. Further they are not used in computing my XXXX or XXXX credits scores. They have no bearing on my credit information, hence the reason for my complaint today. Please do everything within your power to advocate for myself or anyone else experiencing this problem with Transunion, and get Transunion to stop reporting this data about me or anyone else. I'm sure most people do not even realize Transunion is selling this data about us.

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 2021-04-19
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have communicated multiple times with XXXX multiple times beginning in XX/XX/2020 about their inaccurate reporting. Relative to me having modified my mortgage loan with them. XXXX maintains that it is not XXXX that is responsible for this inaccurate reporting and is XXXX mortgage. From whom they bought this mortgages servicing rights. XXXX and only XXXX is reporting that I modifies my mortgage. XXXX mortgage is not reporting a modification at all. Please see my attached credit report as evidence both XXXXr and XXXX mortgage are on 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 2017-08-20
Company: EQUIFAX, INC.
State: CT
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:
XXXX XXXX XXXX XXXX Installment Loan # XXXX Date Opened XX/XX/2017 This account in showing 30days late for XXXX, however it has never been late

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: GREAT LAKES
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
GREAT LAKES..wanted me to pay XXXX a month ... I stayed can't pay that much.. then I was given a plan to pay XXXX for 2 yrs ... .bit as I'm paying this amount nothing is going toward the loan..the loan increases ... .then the other plan was THE ONLY WAY I CAN HAVE MY LOAN NOT TO INVRRASR WAS TO PAY XXXX. A MONTH FOR 4YRS ... THIS IS NOT HELPING..I 'M SURE NOT YHE ONLY ONE..WHO HAS BEEN FAST TALKED INTO NEVER ENDING CONTRACTS ... THE GOAL IS TO PAY BACK THE LOAN..NOT KEEP IT ... IT NEVER GETS MONEY DEDUCTED..I HAVE BEEN PAYING ... BUT NO CHANGE ... IT WRNT FROM XXXX TO XXXX ... PARENT PLUS LOAN..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: CITIBANK, N.A.
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2020-12-23
Company: CORELOGIC 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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports per XXXX, XXXX  and XXXX. 
On XXXX. XXXX, 2020, CORELOGIC CREDCO add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX, and on days prior to and after XX/XX/XXXX, Capital One has continued to call and harass me about an alleged debt. Capital One has also made calls to me at very inconvenient times. Capital One has violated 15 U.S 1692d and 15 U.S 1692c ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
MY INFORMATION WAS USED TO OPEN FRAUDULENT ACCOUNTS THE ACCOUNTS LISTED DO NOT BELONG TO ME MY INFORMATION WAS STOLEN I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2019-11-25
Company: Blackhawk Network Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I purchased XXXX appliances from XXXX in XX/XX/XXXX and was told I qualified for a rebate. I submitted my request but never received my rebate card. I called several times and was told it was sent out, yet I never received it. In XX/XX/XXXX, I became very ill and was only focused on my health. I am now in the process of recovering and I am in the process of getting my personal affairs back in order. I followed up with myprepaid again in XX/XX/XXXX to find out what the status was. I was informed that my card for {$250.00} expired in XX/XX/XXXX. The rebate was supposed to be for {$300.00} and also I received my appliances in XX/XX/XXXX, so how does a card expire at the same time it was issued? Then the representative stated the card was sent out although I stated several times in my prior calls that I had never received my rebate card. He stated there was nothing they could do as I should have called months ago, yet I explained I actually did call up until XXXX and in XXXX became extremely sick and some days couldn't even move or talk. I requested a supervisor and explained what occurred and he stated he would escalate my claim as he does show the card was never activated nor used. I was told to call back in 10 business days for the results. I have called 4 times as of the date of this claim and keep getting the same response that it was escalated and they have to wait on a response as the money is no longer there. How is something that I was told I qualified for yet never received and notified this company it was never received on numerous occasions and never even activated nor used, no longer there? I am still waiting on a response to the claim that was so called escalated and submitted in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit 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 non-monetary relief
Consumer complaint received 2022-01-18
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The three bureaus are in the wrong for deleting fraudulent information off my report and then put it back on there. That is not right. Items were deleted back in XXXX and resubmitted in XXXX. Pursuant to FCRA 605B they have 4 days to block fraudulent items from my report. I was in the middle of starting the process of buying a home and now I have to wait because they put fraudulent information back on my credit report. I have tried calling to get answers and I am getting no where with that. I need these items items deleted immediately. Please help me solve this problem.

Company response to consumer: Closed with explanation