BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-19
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Inaccurate Information Used In Credit Score Rating Provided by Equifax On XX/XX/XXXX I sent a letter to Equifax Info Svcs, XXXX, GA XXXX that stated the following : " My credit score report ( FICO Score XXXX based on Equifax data ) provided through my credit union ( XXXX XXXX ) indicates that a Key Factor impacting my XX/XX/XXXXscore is a Serious Delinquency. The report further states, Your score was impacted because your credit report shows one or more serious delinquencies. Copy of the Credit Score Rating report is enclosed. I dont recall ever having a delinquency and examination of my credit report shows no evidence of any delinquency. This error no doubt has caused my Credit Score to be rated incorrectly. " I received correspondence from Equifax dated XX/XX/XXXX. # 1 was copy of my credit file  Confirmation # XXXX which showed no delinquencies ever posted to my file. # 2 was Equifax letter, Confirmation # XXXX, saying the results of the dispute I filed are complete and giving info about the process. Equifax addressed my complaint as if it were about incorrect info in my credit report which was not at all the case. The info in my credit report is accurate in showing no delinquencies have ever occurred. The complaint was / is ; my Credit Score has been negatively impacted by inaccurate info reporting that I have a serious delinquency ( or any delinquency ) in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2020 I tried to use my Capital One credit card to pay the copay on a medical procedure and it was declined. When I called to find out why the representative told me my account was restricted and would not tell me why until he " verified '' the account. 
I refused to give my cell phone number ( they do not have it as far as I know. ) and what told he could call my home number but I had to stay on the line. I was calling from my cell phone and my home phone calls are forwarded to my cell phone. This would necessitate me disconnecting/holding the cell phone call in order to answer the forwarded home call. 
The rep then said I had to provide my state issued ID card front and back in order to release the restriction on the account. This puts my identity as more risk because they already have my social security number and have had a recent breach. 
I asked to speak to a supervisor and after a long wait was transferred to a representative in the US. ( I confirmed that the company outsourced there customer service to XXXX or the like with XXXX XXXX, a supervisor. ) XXXX mentioned that general reasons for restricting an account have to do with " additional concerns '' and would not go beyond that information ... other than implying that my card was restricted due the homeland security and the Patriot Act. 
This is ludicrous. The Patriot Act was put in place to protect America against terrorism and potential terrorist acts. 
When I questioned XXXX on why I was not sent a notification via email that there was a problem with my card and " potential identity theft '' he responded that not all card holders have an email address. However, Capital One sends me about three email messages per month and this did not seem like a truthful answer. 
I have no idea why this happened. I have been a card member with Capital One for about ten years. I pay on time and over the minimum amount each month.

It seems unlawful and against US Code to require images of an ID card to be sent through the internet to release a freeze on an account. A freeze that seemingly has no legitimate reason and no indication is disclosed to the card holder. Additionally, they refused to report the card lost or stolen and issue a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX loan 15yr fixed equity w/ XXXX and Parent as co borrow, XXXX adult, parent handle SSDI  benefit income for daughter. XXXX XXXX loan in default. 
XXXX parent now XXXX, no longer able to handle financial affairs, notified XXXX, ask for modification pending.. 
XX/XX/XXXX parent died with out will. told to reapply for modification as individual. property securing lien, XXXX. No first mortgage, property a triplex w/ rental income. no help, no recast from XXXX, income too low to qualify. XXXX SENT refused to sell since other siblings refuse to pay off lien w sale XX/XX/XXXX transferred to XXXX, loan accelerated ( owe XXXX ). XXXX  XXXX  XX/XX/XXXX modification denied since other sibling collecting all rental income refused to sign provide proof of rental income. Both tenant and other relative in other house refuse to help, very hostile. 
XX/XX/XXXX HUD  agency, Transferred to XXXX XXXX XXXX, default/foreclosureXXXX granted modification, with sons signing to provide additional XXXX a month. 
XX/XX/XXXX transferred to Select Portfolio services, XX/XX/XXXX to date Pay all cost for property - Property Taxes, Hazard insurance, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX ( water, sewage ) Now I continue to ask for help, yearly cost for owner expenses is average {$12000.00}. I would owe nothing if my parent grantor / co borror alive, instead unable to collect any help from tenant, relative in my parents house, XX/XX/XXXX started to evict, now cant evict and must try to sell now, i have not missed any payments, still XXXX, no probate but no help, proof of ownership, no voice, no inclusion and hopeless again. Always to truth, 15yrs yet no forbearance, I owe more now since not a dollar of help, can now prove brother collected XXXX rental income, not ok. I'm still XXXX, getting worse, what did XXXX and XXXX do for XXXX, no privacy, no dignty or help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: United Student Aid (USA) Funds
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I never received any written information about wage garnishment, so I was unable to response. The day my employer received the information I called and reached out to  USA Funds and they said they are n't able to help rehabilitate my loan or stop wage garnishments. They do not want to help and I ca n't afford these payments. I wo n't be able to pay my bills or rent for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Credit Plus 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: Credit inquiries on your report that you don't recognize

Complaint:
There is a hard inquiry on my credit report from this company credit plus on XX/XX/19. I contacted this company and it is a mortgage company which is baffling considering I rent and have not been in the market for any purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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, 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 2017-03-08
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am XXXX and on SSI. I informed Navient of this and instead of offering me the Zero pmt option, they have given me a forebearance for years turning XXXX to now XXXX with over XXXX in interest. They just today notified me of the XXXX balance. I am currently trying to get a dismissal of the entireloans, but never did they teel me how much the forebearances would cost me!!! I am XXXX therefore have NO taxible income and I notified them of this 5 yrs ago, yet they continued to rack up interest making me own double now!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: ASSOCIATED BANC-CORP
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 I applied for a mortgage with Associated Bank. A few days later I received a letter indicating my FICO score. This letter indicated they were sending it to me because it is required and that they would contact me with further details about my application. On Monday XX/XX/2021 I sent an email to the loan officer introducing my self and asking if anything further is needed on my part. I did not recieve a response, through email or phone. After a few days had passed, on XX/XX/2021 I called customer service, specifically the mortgage center and spoke with them about my situation. The person stated he " can see from the computer that I applied 45 days ago '' and couldn't tell me why there has been no response. He said I can apply at another bank if I wanted to. He gave no other options or assistance. The following day, XX/XX/2021, I sent an email through the Banks " contact us '' section. I received a response stating that the complaint was received and will be forwarded. As of XXXX, 2021 I still have no response. No communication from the Bank or request for documents. On the day I applied they checked my credit score and that's it. If I didn't qualify, a simply courtesy note would have been fine. I could have gone somewhere else but I didn't want additional hits on my credit. I don't know why, after emails and phone calls they have not responded. Not a notice to cure or any response. I thought there was a law or something about that. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 believe this account is not even belong to me

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 2022-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XX/XX/XXXX informed recent payments too low XX/XX/XXXX informed recent payments too low balance too high XX/XX/XXXX credit report too many inquiries XX/XX/XXXX Recent use of this account 's existing credit line has been too low XX/XX/XXXX Recent use of this account 's existing credit line has been too low

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: MI
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:
n accordance with the Fair Credit Reporting Act XXXX 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 2020-04-21
Company: EQUIFAX, INC.
State: OH
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:
issue 1 ) Equifax keep adding XXXX  XXXX XXXX  back to my credit report. it was removed once based on the information provided to them years ages ago. now it is reshowing again. 

issue 2 ) Equifax also refuse to let me have access to myequifax portal to review my information. When I sign into my account it inform me to call customer service and I do. I explain that i am trying to log into my equifax portal account and it told me to call customer service, the representative i have spoken with have been no help and this has been going on for 2 yrs now. of trying to get access to my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Reporting Credit Act XXXX  Account ( XXXX ) *XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX/Dept of ED-ACCT # ( N/A ) ; *XXXX XXXX XXXX XXXX # XXXX have violated my rights : 15 USC 1681 Section 602A states " I Have a Right To Privacy '' 15 USC 1681 Section 604 A/Section 2 also states " Consumer Reporting Agency can NOT furnish my 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 2022-06-17
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Reporting Credit Act XXXX  Account ( XXXX ) XXXX XXXX XXXX XXXX  XXXX ; XXXX/Dept of ED-ACCT # ( N/A ) ; XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights : 15 USC 1681 Section 602A states " I Have a Right To Privacy '' 15 USC 1681 Section 604 A/Section 2 also states " Consumer Reporting Agency can NOT furnish my account without my " written instructions ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The XXXX XXXX XXXX XXXX have inaccurate information on my Credit Report that has been removed 4 times and they are constantly putting it back on my Equifax Credit Report and raising the balance. It 's over 10 years old, incorrect and they are violating my Constitutional Rights. I will be filing a Lawsuit in Federal Court against Equifax and The XXXX XXXX XXXX for this erroneous act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid off a charge-off checking account with XXXX bank for XXXX on XX/XX/2015 and it does not reflect on my chexsystems. I tried to open another account and I was unable to since it still shows as unpaid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
n accordance with the Fair Credit Reporting Act XXXX 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 XXXX : 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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
Dear XXXX, Transunion, and XXXX. Please remove the following fraudulent inquiries from my consumer credit file. You are in violation of 15 US Code 1681. Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX Transunion, please remove the following fraudulent account from XXXX Bank from my credit profile as well. XXXX XXXX Account XXXX : XXXX This is account is not mine. Please remove it immediately. Please remove all fraudulent student loans from both my XXXX and Transunion profiles.

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 2022-06-17
Company: WELLS FARGO & COMPANY
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 XXXX XXXX, a federally protected consumer have attached the notice that I have sent Wells Fargo credit bureau operations team and legal department on XX/XX/2022, and a 2nd notice on XX/XX/2022 - Certified Mail # : XXXX XXXX XXXX XXXX XXXX WITH NO THIRD PARTIES INVOLVED. Wells Fargo has received both notices and has failed to respond. This account is in dispute '' with the company '' and the company has furnished another updated inaccurate charge off account XX/XX/2022 while in dispute which is a direct violation. Please read attachments.

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 2016-04-08
Company: Law Office of Linda Strumpf
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I never received any communication from the original creditor or the law office that is now handling this so called debt that they bought in XXXX, and now as of XXXX they have froze my back account. I was never notified to appear in court, never received a phone call or letter stating what this debt is for, and when I try to contact the office nobody is available to speak with me. The lawyer who froze my account is XXXX XXXX. The only reason I know of this debt is because my bank was notified and gave me a copy of the letter that was addressed to them, not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: MI
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 XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a collection letter from XXXX claiming I owe Fifth Third Bank of XXXX OH {$1600.00}. I have never done business with this bank and have no debts other than XXXX and XXXX credit cards, which I pay off monthly, and my home mortgage with XXXX XXXX. I have read on the internet of others receiving false claims for Fifth Third Bank through XXXX. My identity was stolen several years ago. It took me a year to straighten it out, and I have no patience with this type of thing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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