BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-17
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 XXXX XXXX XXXX # XXXX XXXX. XXXXXXXX XXXX XXXX XXXX services # XXXX XXXX XXXX # XXXX And XXXX XXXX XXXX have violated my rights 15 US C 1681 section 602A States that I have the right to privacy. 
15 US C 1681 section 604 a section until I saw XXXX XXXX reporting agency cant furnish an account without my written instructions Not only do these accounts and I belong to me, but XXXX XXXX XXXX and Equifax are violating my rights, along with these other companies above. Above I plan on being involved with a multi XXXX dollar legal class action lawsuit because of this, it has caused me a lot of trauma and grief!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: EQUIFAX, INC.
State: WI
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 started this complaint process XX/XX/20. The most recent correspondance from Equifax dated XX/XX/20 stated an investigation was performed and the results mailed to me. I still have not received their response. I am now going to attach the letter that XXXX XXXX  mailed to me and also Equifax requesting the hard inquiries in question be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Flagstar Bank, N.A.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/22, I was not home and my husband called to explore interest rates. Flagstar ran a hard inquiry on my credit without my consent and completed a loan application with erroneous information since I was not there to provide the correct information. I was not at home to be aware of the conversation and/or agree to proceeding. XXXX XXXX at Flagstar took the call from my husband.

I was aware the call was made but was under the impression all conversations and actions were " soft '' - this is while we were waiting to receive documents that we would review to determine next steps, or so I thought. 
On XX/XX/22, My husband and I looked through mailed documents from Flagstar ( loan application ), which is when I found information had been guessed in order to push the refinance through. A few days later on XX/XX/22, I found my credit score had gone down and that time, I saw that a hard inquiry had been run against my credit, which is when I realized steps needing my consent were taken without my consent. 
On XX/XX/22 I submitted a complaint to Flagstar in regards to the concerns that were found. As of today, XX/XX/22, has reached out to me to address the concern, only XXXX XXXX has called me, who is the mortgage processor, and she doesn't have any authority to address the concerns. 

On XX/XX/22 XXXX, Flagstar, emailed me a copy of the loan document ( which contains SSN and birthdates, etc. ) to my personal XXXX  account, which is not encrypted. There was no link to a secure site, just a direct pdf attachment so our personal identifying information such as DOB and SSNs have been compromised.

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 2016-08-17
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is currently serviced by Fay Servicing. They have been servicing it for approximately 4 years. Without exception, I have had 4 years of chronic issues of varying degree with them that only resolve when I file a formal complaint. At present, I have the recurring escrow account issue. I do not have an escrow account with them. I 've never had an escrow account with them because I handle taxes and insurance independently. Yet they have put in place and escrow account. I have disputed this with them and have forwarded paperwork to Fay Servicing indicating that I have insurance. My insurance agent has spoken with them and has also forwarded the same paperwork to them. Yet, nothing has been corrected. They have continued to charge an escrow and have applied my P & I payments to the escrow " deficit '' and not to my mortgage. They are also charging for the " unpaid '' P & I as well as late fees. I have tried to reach multiple times and have left numerous messages, but have not received a call back. Now they tell me that the property is in pre-foreclosure because I have not made XXXX payment. 
Unfortunately, this is not the first time I 've had the same issue with this mortgage servicing company. It is an ongoing, almost on a yearly basis, event. The result is always the same - we 're working on it, etc., etc., but there is little resolution. Verifying insurance and/or property taxes, and removing an incorrect escrow assessment should be a fairly easy job, not an almost 90-day production. 
I need resolution!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions 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:
Ive notified Experian and XXXX multiple times in regards to a collection from creditor XXXX and the fact I dont own the debt and the company engages in violations of fair credit reporting practices. 

Ive now sued XXXX XXXX XXXX and submitted another dispute to Experian to remove XXXX citing pending litigation against them. As a US citizen it is my right to a fair trial. I will not have this inaccurate fee on my credit knowing its false. 

Experian and XXXX needs to delete it while under legal review.

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 2020-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Capital One did not cancel my card when I had fraudulent charges along with a dispute that was never settled and then reported my missed payment to credit bureaus and destroyed my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
So I told the dealership to give me legal documents before they pull my credit I never sign any documents for them to pull my credit that is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  which has recently " verified '',   XXXX   & TRANSUNION are all reporting a collection account,   XXXX   XXXX   XXXX   XXXX  , AKA   XXXX   XXXX   XXXX   XXXX  , ACCT. #   XXXX   XXXX  N THE ESCALATED AMOUNT OF   XXXX   DOLLARS FROM THE ORIGINAL AMOUNT OF 3 XXXX 3 DOLLARS ... .THE ORIGINAL CREDITOR IS   XXXX   XXXX   XXXX   XXXX   AKA   XXXX   XXXX  r.THE ORIGINAL CREDITOR HAS PERPETRATED " FRAUD '' in my case ... ..I ordered water service at a   XXXX   sales signup inside a  XXXX  store.What I signed up for was a  XXXX  dollars per month service.What I received was substantially higher on the 1st bill, which were surcharges undisclosed to me in the sales presentation ... ..I spoke to   XXXX   on the phone ... we could not come to agreement ... they would not relent on the undisclosed fees/surcharges so ... .. I told them to come pick up their equipment.They made 3 different appointments to come pick-up their equipment and were no-shows all 3 times.The machine/dispenser sits in my house to this day ... they obviously do n't want it.
What  XXXX  /  XXXX   XXXX    wants to do is perpetrate fraud and 1 ) overcharge on their service,2 ) '' sell me '' their equipment I do n't want, and 3 ) ring up a huge unrealistic tab, give it to an relentless collector who could n't give a DV notice or Debt Validation .... because it would invoice or document their crime as evidence in court .... I have found out from the BETTER BUSINESS BUREAU that this scheme is being perpetrated all over the country.
So if the credit bureaus do n't delete.. the CFPB will receive a complaint against the collector/furnisher AND THE O.C. the organizer of the fraudulent financial scheme.

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 2015-08-18
Company: Van Ru Credit Corporation
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My wife and I have been getting phone calls from XXXX. The caller says that they are a debt collector and want to verify that I am who they are trying to contact by giving them my SSAN. 

I did a reverse phone look-up on XXXX and the owner 's name is not available. So, I called XXXX and the answering machine claims I was call the Van Ru debt collection agency. 

Someone came on the line and wanted me to verify my name and phone number before he would tell me why I was calling. I asked if he had caller I.D . and he said yes. So, I told he knows who is calling him and I want to know why they were calling us. He said that he could not provide that information unless I gave him my social security number. 

So, I hung up and called the New Hampshire Attorney General 's Office who asked me to call the FTC at XXXX. I did and am filing a complaint. 

The New Hampshire Attorney General 's Office said that the Van Ru phone calls are a scam and that they are phishing for data. 

Here 's the kicker - I do n't owe anybody anything!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Midland credit management XXXX XX/XX/XXXX opened an account in my name in the amount of XXXX. Also reporting, XXXX XXXX  XXXX XXXX XXXX also opened an account in my name in the amount of XXXX, on XX/XX/XXXX. These accounts are not mine and needs to be removed ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is an ongoing matter that I am unable to solve on my own after many attempts with the credit reporting agencies XXXX, XXXX, and Transunion, regarding the following accounts, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have written several dispute letters, all sent via certified mail with proof of delivery. I informed the aforementioned reporting agencies of the many inaccuracies listed on my consumer report. I pointed out several inconsistencies of information reporting between them as well. I also enclosed my consumer report with each of these disputes, and made sure to point out each and every error that I noticed by circling and or highlighting the disputed information with an explanation provided. The reporting agencies have not responded to me, nor did they remove any of the disputed items above. I do not believe they are taking this matter serious, and are fairly addressing the matter at hand. I have no indication that any true or reasonable investigations has taken place. 15 U.S. Code 1681i details the rules and procedures that the reporting agencies are to follow when accuracy is being disputed. They did not follow these rules. Secondly, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) states that because I have a reason to believe that information being reported in inaccurate, the financial institutions are not to furnish such disputed information onto my report until it can be verified. The furnishers above continued reporting during each and every dispute process. Lastly, I have no idea how these financial institutions were able to gain access to my personal information. Per 15 U.S. Code 6801 and 15 U.S. Code 6802, my private nonpublic personal information is not to be shared with nonaffiliated third parties without my expressed consent, which I never gave them! The law states that these financial institutions must clearly and conspicuously disclose to me and provide me with the option to opt out of reporting. I was never given this choice! This is a clear case of identity theft! I do not see any attempts to protect the privacy and confidentiality of my information per Congressional findings under 15 U.S. Code 1681 ( a ) ( 4 ) and 15 U.S. Code 1681 ( b ) " Reasonable procedures ''.

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 2023-02-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Report Act XXXX  Account : XXXX Amount Collect : {$710.00} from Creditor : PORTFOLIO RECOV ASSOC , has violated my rights.

15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-06
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Advertising and marketing

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Mobile/XXXX Home XXXXXXXXXXXX XXXX XXXX, 2016 Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Citibank Client Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : former credit card # XXXX Case # XXXX On Call International We abruptly cancelled our credit card with Citibank in XXXX 2016 because of our experience with your card member services during an emergency situation while on our vacation in XXXX. My husband became ill and was taken to a doctor and within hours had to be rushed to the XXXX XXXX XXXX XXXX in XXXX on XXXX XXXX, 2016 where they informed us that they wanted to perform XXXX on my husband. I went back to the hotel and called the emergency number on the back of the credit card to ask what assistance could be provided to us in regards to evacuating my husband back to the United States for medical care. I was transferred to " XXXX '' with On Call International at XXXX and issued Case # XXXX. After almost an hour with a very bad connection, I was told by " XXXX '' that we were n't entitled to anything because we did n't have a high enough Tiered Card and no assistance would be provided in our time of need. 

The literature and brochures that were mailed to us and confirmed on the phone with your Customer Service Representatives by my husband on several phone calls prior to our trip indicated that we were entitled to wonderful benefits. This is the first time that we traveled outside of the United States and did not take travel insurance out with a legitimate travel insurance company because of what we were being told by your representatives. At the very least we were lied to and misled about benefits with your credit card. 

The reason that it has taken us so long to correspond is that my husband has been in and out of the hospital here in XXXX, XXXX since we returned to the U.S. and has just been released from having XXXX that should have been performed immediately in XXXX if we had been given assistance in getting my husband back to the U.S. We have been out of pocket thousands of dollars and immeasurable pain and suffering because we were misled. 

Disgust with Citibank is about the only way I can describe my feelings.

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 2016-09-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Well Fargo XXXX took {$300.00} out of my business saving account with out my permission or authorization on XXXX/XXXX/2016 and will not return my money.

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 2017-05-26
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Convergent reported a collection account on my report. Prior to reporting the account, I did not receive notice of my right to dispute.

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 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the 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

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 2022-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Hi, B.O.A. has not resolved the recurring issue of taking mtg money and using it to pay down principal.They have not returned any money to my checking account and as a result I am havin difficulty paying my mtg.Also my mtg payment keeps going up.They keep sending me a package of statements which are not explained to me.

Why am I being ignored by CFPB? Pls dont btell me it is a recurrin issue. It is because you asnd BOA are not correcting 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 monetary relief
Consumer complaint received 2018-01-26
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently had been working with a credit consolidation company XX/XX/XXXX-XX/XX/XXXX Because I had accounts that were not mines do to the open status dates. I was sure I did not open those accounts. Which after months of letters being sent out to XXXX XXXX which name is now XXXX XXXX XXXX. while checking credit after 30-90 days. It turned on all credit reports that the debt were dropped off my credit. because those accounts were not mine. That was in XX/XX/XXXX. Now its showing up months later on my credit report again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 went through a bankruptcy in 2019. The majority of all debt was immediately removed from my credit report, except for a few. These few still show up on my credit reports as delinquent or paid late, even though they were never paid late up until the bankruptcy. Regardless, they are listed as " negative '' on my credit report and have a severe impact on my credit history, in addition to fixing my credit after a bankruptcy due to family medical bills. The credit bureaus refuse to remove the information, even though they should no longer be on my credit report after the bankruptcy went through 3-years ago. They should have been removed after the bankruptcy was complete, just like the other debt.

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 2020-12-08
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: Information belongs to someone else

Complaint:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following ; US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2016-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Check credit report XXXX 2016 all inquiries deleted. Check credit inquiries returned score went down. Never received notice of change.

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