BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-02
Company: EQUIFAX, INC.
State: UT
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:
My Equifax credit report is n't refreshing or updating even though my creditors are updating my payment information monthly. This has cause me to have a low credit score as the last time that Equifax updated my information was in  XXXX . My Equifax report number  XXXX  shows accounts as not paid that have been paid in full. It shows collections that have been sent for deletion by the creditor. I have contacted my creditors and they have all stated that they have sent the deletions through to the bureaus and have update account information such as payment history and balances as well, all other bureaus have updated the information but Equifax continues to report bad information and inaccurate information. I have contacted Equifax a tota l of 36 times wit h each time they assure me that the information will be updated and to this day it still has not. Today i called and the representative stated that if i had an issue i should call  XXXX  a number that referred me to a credit counseling agency, obviously not what i need. I need my information to accurately reflect what the creditors are reporting and for my information to be fresh not as of 6 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender has failed to respond to our QWR and Notice of error request and are proceeding to sale set for  XXXX / XXXX / 17  - the lender is in violation of r egulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Experian Information Solutions Inc.
State: NJ
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 HAVE MULTIPLE ACCOUNTS ON MY CREDIT REPORT THATS INACURATE AND UNFAIR AND SOME ACCOUNTS ISN'T EVEN MINE. THE CREDIT REPORTING AGENCIES SUCH AS ( EXPERIAN, XXXX, XXXX ) HAVE REPORTED THESE INNACCURATE AND FRAUDULENT ACCOUNTS ON MY CREDIT FILE WITHOUT EVEN CONSULTING WITH ME TO EVEN FIND OUT IF THESE ACCOUNTS WHERE ACCURATE OR EVEN MINES.. AS I UNDERSTAND IN PURSUANT TO 15 USC ( A ) ( 2 ) UNDER THE FCRA THEY CANT REPORT ANYTHING TO MY CREDIT FILE WITHOUT MY CONSENT WHICH THEY NEVER DID.. MY CONSUMER RIGHTS HAVE BEEN VIOLATED..

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 explanation
Consumer complaint received 2019-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have called multiple times to rollover my 401k and I have not received my money. The account of course shows {$0.00} but I have not seen any checks coming in. Its probably past the 60 days. 

I called XX/XX/XXXX, they wouldnt let me. Then I waited until XXXX, they said they would send a check. I waited and never got it. I called before XXXX. They halted the check to reissue. Its XX/XX/XXXX, nothing. Its almost the end of the year and I have not seen any money. The amount is approximately {$12000.00} but who knows after all the fees theyve taken 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 2017-06-02
Company: TD BANK US HOLDING COMPANY
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:
XXXX   XXXX   XXXX   client  XXXX   XXXX   XXXX  is an identity theft victim. Someone used her information to submit applications to several creditors in an attempt to open credit accounts without her consent. Each agency was notified at the time of the submission on the application and advised the application was fraudulent and done without the consent of  XXXX   XXXX . She was told at that time the applications were being terminated and the inquiry generated was being removed from her credit reports. In two cases formal disputes of the inquiries were sent certified mail with return receipt to the creditors in an effort to have the inquiries removed however those efforts have failed ; all of these actions are a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-02
Company: JPMORGAN CHASE & CO.
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:
XXXX   XXXX   XXXX   client  XXXX   XXXX   XXXX  is an identity theft victim. Someone used her information to submit applications to several creditors in an attempt to open credit accounts without her consent. Each agency was notified at the time of the submission on the application and advised the application was fraudulent and done without the consent of  XXXX   XXXX . She was told at that time the applications were being terminated and the inquiry generated was being removed from her credit reports. In two cases formal disputes of the inquiries were sent certified mail with return receipt to the creditors in an effort to have the inquiries removed however those efforts have failed ; all of these actions are a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: TX
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 seen an inquire on my credit report and i did not request it. I requested removal on XX/XX/XXXX and was told it would be from company and it was not.

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 2017-03-28
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX, XXXX Repeatedly calling friends, family and business after requested not to.

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 2017-06-02
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 information incorrect

Complaint:
Same old same old- just recording for legal purposes.  Information never correct even after dispute. I check with lenders and they CLAIM they have rectified it. Experian did not allow me a dispute again. Lenders claim they " were '' not notified by Experian. My core has not gone D O W N even with numerous corre ctions.

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 2021-11-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My information was included in a data breach at Equifax. My personal identifiable information was used to open a fraudulent account for a vehicle. This was done without my consent or knowledge. Here is the information appearing on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} {$0.00} I reported this item with the FTC # XXXX ( Report Number ) I have contacted XXXX by phone and attempted to file the dispute online but the disputing system that they have is flawed and will not let me submit my dispute. They have continued to make my submission process increasingly hard. This fraudulent information is preventing me from getting or applying for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2021, I called the companies and advised them that I had no ideas where these inquiries came from. They told me to contact Equifax and ask that they remove them because each company stated that have no idea where they came from either. 
XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On the morning of     XXXX   XXXX      2017 I lo gged in to my  XXXX  checking account to check my balance. There was an {$85.00} ACH withdraw from my account for a payment to a  Kohls  credit card with the name  XXXX   XXXX . I do not have a Kohls credit card. My wife does, but we use a different checking account to pay her bill. I first verified that the payment did not somehow go to my wife 's card. It did not. I contacted my bank and they told me I had to submit an ACH charge challenge to have the matter investigated and have the money refunded to me, but it could take as long as 45 days. They advised me to contact Kohls and explain to them what happened and that they could possibly remedy the situation faster. This is where my actual complain starts. I contacted  Kohls  and explained to them what was happening. They stated there was nothing that they could do and that they could not find the transaction I was referring to.   Here are my complaints :  1 . I do not believe a company should be allowed to process financial transactions if they do not have the ability research and find the transactions they process.    2.  I believe a company should be required to take some kind of action when they are notified that possible fraudulent activity has occurred.    3.  I believe their should be some kind of consumer protection for innocent victims, such as myself, that requires a company to take some kind of action when they have negatively impacted someone financially.  <P/> I filed a complaint th rough the Better Business Bureau . The response from Kohls was essentially them stating there was nothing they would do. A company should not be allowed financially harm someone and then do nothing to assist in the solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I enrolled in autopay as soon as I was able to. I received electronic and written confirmation that I was " successfully '' enrolled in autopay. I therefore assumed that autopay was working, as I had no reason to believe otherwise. Then, about a month later, after having no further contact with the lender, I received a phone call that my account was in default. Apparently a disparity between the legal name on my bank account and on the title to my car had caused the bank payment to bounce. The bank account numbers were all correct. Even though the original payment bounced on XX/XX/XXXX, and I enrolled in autpay on XX/XX/XXXX, I never heard a XXXX peep until the account was more than 30 days past due. This is the part that the lender dropped the ball on : sending confirmation of enrollment in autopay through multiple channels of communication, and then never saying that the autopay never even worked to begin with (?! ) until more than 30 days had elapsed after the payment due date. The account is now current, but I'm stll horrified that the lender would mislead me about enrollment in autopay, and worried about my credit. Were it not for a shocking phone call that arrived last week, when the acount was already overdue, my last communication with the lender would have been to confirm successful enrollment in autopay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-12
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After not being able to get through via telephone during the holiday, I decided to mail my payment to prevent being charged a fee for making the payment via agent, and to apply the additional fee towards my mortgage payment. 

I sent a check for {$22000.00} Priority mail on XX/XX/2019, with an expected delivery date of XX/XX/2019 ( See attached receipt ), very early in the morning to assure delivery in a timely manner. 

On XX/XX/XXXX a received a call from a PHH representative that my payment wasnt received and I needed to pay over {$5000.00} dollars because nothing less would be accepted. 

I informed him that the payment was made and he stated he would research to attempt to locate it. 

On XX/XX/2019 PHH called and when I answered the telephone, the person didnt respond and hung up the telephone. 

I called back and spoke to someone in XXXX, who stated they can not locate my payment. I explained that the payment was made and I dont have access to a fax machine but could email the receipt. He stated the receipt cant be emailed, but could be mailed, then he gave me the mailing address. 

I asked if I could stop payment on the check they lost and make the payment with him now. He stated he could not do that. I was then transferred to the Escalation Department. 

The Escalation Department pretty much told me the same information as the representative. They are requesting I send the front and back copy of a check that they lost. I dont trust PHH mortgage and decided to make my complaint public. 

How are they losing payments? What if I mailed my payment by regular mail and didnt have proof of payment?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I switched 3 phone lines from TMobile to Sprint, I was sent a final bill by T-Mobile for {$580.00} that I could not pay at that time. I followed up in XX/XX/XXXX and spoke with manager by the name of XXXX, she stated I had final bill and a phone that was not returned, the phone was returned in XX/XX/XXXX ( I have Drop-off receipt from UPS ). I again followed up in XX/XX/XXXX and was told 'that 's too bad, it has gone to collections '' handle it with them. Southwest Credit System is stating that I owe {$2600.00} without any proof of how that amount can be justified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was looking for a home to rent in my area. I came across something in my price range and reached out to the " owner '' of the home. We spoke over email and text messages. They sent me an application, I filled it out and returned it to them. They approved my application and we spoke more. I went and looked over the home, people living there. I didn't think much of it. The " owner '' then requested I pay a deposit, I did that through my bank as a transfer. They received it and requested I pay first months rent before sending me everything that I need to move in. I politely declined. Then realized after I had sent the initial {$990.00} that it was a scam. I sent them the {$990.00} on XX/XX/2021. I went to my bank immediately on XX/XX/2021 to file some sort of report and try to get my money back. I went directly to a Navy Federal Credit Union branch, whom I've had an account with for almost 10 years. They filed a Fraud Dispute and gave me the paper work. I received the money back into my account on XX/XX/2021. I was under the assumption things were good to go. I then received a letter stating my dispute was denied and I am now responsible for the {$990.00}. A Navy Federal employee that I spoke with after I received the denial letter said that there was nothing they can do for their members that have been scammed. There is no protection for members in this. The scammers will win every single time. Which is extremely unfortunate. I never made a police report due to going directly to my local branch and they taking care of it. I was never advised to make a police report either. It's been a whole month and the scammer has moved on. There is nothing that can be done for myself or any other member.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: SYNCHRONY FINANCIAL
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:
XXXX   XXXX   XXXX   client  XXXX   XXXX   XXXX  is an identity theft victim. Someone used her information to submit applications to several creditors in an attempt to open credit accounts without her consent. Each agency was notified at the time of the submission on the application and advised the application was fraudulent and done without the consent of  XXXX   XXXX . She was told at that time the applications were being terminated and the inquiry generated was being removed from her credit reports. In two cases formal disputes of the inquiries were sent certified mail with return receipt to the creditors in an effort to have the inquiries removed however those efforts have failed ; all of these actions are a violation of the FCRA.

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 2017-06-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed several accounts with the  XXXX  credit reporting bureaus Experian,   XXXX   and  XXXX  the credit accounts opened well over 7 years ago and most have a  XXXX  balance. Also it 's been  two  years and some hard inquiries are still showing on my credit report. I do n't know why the credit bureaus will not remove all of these accounts. There 's a lot of unlawful credit reporting activities and this most definitely  XXXX  of 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 2021-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
This company is using my information without my consent and still can not provide proof that I allowed permission for information to be used with my credit report.According to 1022.42 Reasonable policies and procedures concerning the accuracy and integrity of furnished information. it states Each furnisher must review its policies and procedures required by this section periodically and update them as necessary to ensure their continued effectiveness. And as shown no updated credit report has been placed. 

All inquiries listed consist of duplicates with different dates which by law can not be placed on your profile According to 15 U.S. Code 1681a - Definitions ; rules of construction - any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title there for this is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: RENASANT CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
OnXX/XX/2019 we found out by talking to the bank ( Renasant Bank ) that they are closing our account. We had just opened the account on XX/XX/2019 and made small deposits to the account while we worked on transferring our bigger amounts. 

We had never gotten a debit card or had any adverse interactions with any of the banking staff. We haven't gotten a reason why this is happening or what to do.

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