BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX  AGENCY : XXXX XXXX / XXXX BUSINESS TYPE : BANK CREDIT CARD DATE OF INQUIRIY : XX/XX/XXXX, XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: NV
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 lived at XXXX XXXX XXXX XXXXXXXX XXXX  XXXX back in XX/XX/XXXXAnd now XXXX, XXXX XXXX and Experian has been reporting over 10 different apartments for XXXX XXXX XXXX XXXX. I dont understand how this is possible. Thats not my signature or my charges please delete this stuff. I had no contract with talise.

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 2022-05-22
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act XXXX account XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  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 602 A section 2 : it also states a consumer reporting agency can not furnish an 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 2022-05-22
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, the following accounts have violated my rights : Listed as appeared on credit report- XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 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. 

15 U.S. Code 1681b - Permissible purposes of consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I called Equifax 19 times and asked them to remove XXXX of the XXXX inquires on my report that do n't belong to me. I was hung up on 10 times and the other 9 times they told me that I had to call the original creditor. When I spent two full days calling all these creditors all the responses ' where the same. I needed to address it with Equifax. They are running me back and forth in circles. I was XXXX from XX/XX/XXXX to XX/XX/XXXX and the only inquiry on there report for me that is mine is an account I have with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX TYPE : XXXX XXXX DATE OF INQUIRIY : XX/XX/2021 XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.

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 2021-02-19
Company: ALLY FINANCIAL 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 following companies have unauthorized credit inquiries on my report : Ally Financial inquired on XX/XX/2021 XXXX XXXX # XXXX XXXX, MN 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 explanation
Consumer complaint received 2015-03-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have paid on my mortgage for XXXX years and they do not have it on my report I have contacted both Equifax and XXXX mortgage. Equifax says it has neverbeen reported. XXXX sent my a letter stating that it HAS been reportedevery month for the last XXXX years. the other XXXX credit agencies show itcorrectly. also Equifax has me with XXXX late payments, they are showing payments that were included in a bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: PLANET HOME LENDING, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
XXXX - XXXX, XXXX, CO XXXX closed his refinance on XX/XX/2016. I have attached the original final CD sent to the Title Company XXXX XXXX XXXX XXXX XXXX. It indicates that the client was to receive {$500.00} cash out at closing. The loan did not fund after the 3 day right of recession as the lender, Planet Home Lending indicated that the client was not going to get {$500.00} cash out. According to their Funding Manager, Regional Sales Manager and Account Executive the original final CD was in error and all the client was to get back was {$14.00}. Planet Home Lending said that they never sent the original CD with instructions and that the title company closed the loan on those numbers incorrectly. After days of communication ( phone calls/emails ) between Title - and Planet Home Lending they finally agreed that they had sent the original final CD by the Funding Manager but stated that they would not fund on those numbers and required the client to sign a new CD ( dated XX/XX/2016 ). This was 7 days past funding date. We were told through a conference call that they ( Planet Home Lending ) would send the client a check for {$480.00} on Monday the XX/XX/XXXX. As of today the client has not received their {$500.00} cash out as per the original CD. I believe this is a violation of TRID. 
The title company never received new closing instructions until 7 days after original funding date and with no explanation to either the title company or the client as to why the change. In reviewing the documents it is apparent that Planet Home Lending incorrectly placed the Principal Reduction in the wrong column. 
As the Mortgage Broker for XXXX he is asking for our assistance in receiving what he was promised. Please advise if he is entitled to the original cash out of {$500.00}? 

Attached : XXXX XXXX - acknowledged by client Subsequent CD - dated XX/XX/2016

Company response to consumer: Closed
Consumer complaint received 2022-05-22
Company: EQUIFAX, INC.
State: AL
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 reviewed my credit report and based on what I read on the FCRA. Negative information has to be deleted 7 years from the anniversary date of the error or seven years from the first date of delinquency. Well, when I combed my credit report I noticed some old negative information that has not been deleted based on the law as It relates to the seven year deletion date. I need this information deleted immediately and here is the incorrect information : XXXX Account # XXXX XXXX2015 - 60 day late and this account has 90-day reports - that never happened! I have disputed this account several times and upon each update, XXXX is listing different information 10 different times. Thus, they have failed at FCRA section 1681 which states they have to perform a reasonable investigation. If they have accurate information why have you allowed them to report different information over 10 times? This account should be deleted based on simply not reporting the same accurate information. The data changes because they do not have accurate historical account information. I understand this account is paid and closed, but it has never reported the correct information. If you look at past disputes and their responses you will clearly see their reporting changes with each dispute. Delete this inaccurate account!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TYPE XXXX XXXX XXXX DATE OF INQUIRIY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.

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 2016-10-26
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I was victim of ID fraud from XXXX. XXXX has confirmed via phone and also sent me correspondence agreeing the account opened with my information was not authorized by me. I initiated a dispute with Equifax and received the final disposition that the information was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX Phone : ( XXXX ) XXXX '' I have contacted XXXX again to have this inquiry removed. Additionally I can find no way to dispute with Equifax via writing, email or via phone. The only selection is to file a new complaint or get status. This is an abysmal process. It is obvious from the recent activity my personal information has been part of a compromise and therefore is now being used to attempt fraud but the bureau has done a cursory review and did not even validate with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX / XXXX XXXX XXXX : XXXX / XXXX XXXX BUSINESS TYPE : XXXX XXXX DATE OF INQUIRIY : XX/XX/2021 XXXX / XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.

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 2022-05-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for the COVID forbearance extension on XX/XX/XXXX via phone which expires on XX/XX/2022. As of XX/XX/XXXX, I have not received a response on the forbearance request on Carrington 's online portal or mail. However, I received multiple letters ( latest dated XX/XX/XXXX and online portal XX/XX/XXXX included in this complaint ) indicating I have not updated Carrington on my COVID forbearance when in fact I did way back on XX/XX/XXXX via phone. Their online system would not let me update the forbearance for the XX/XX/XXXX expiration so I was forced to call it in. I have 3 months of eligibility left on COVID forbearance ( used 9 months ). I called back on XX/XX/XXXX and they have record of the XX/XX/XXXX request but no action on the forbearance request. I believe there may be a back office issue where my account is not being processed at all for the CPVOD forbearance extension and it will expire without anyone looking at my extension request. With previous extensions, I was able to request forbearance extension online but this time I could not and had to call Carrington which suggests there is a back office issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I was a victim of identity theft, now I have inquiries on my report that I did n't authorize. I tried disputing them but the credit company is telling me to contact the company directly, the companies wo n't remove them saying it 's my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to consumer privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX has violated my rights. 

15 U.S.c 1681 section 602 A. States I have a 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 2022-05-22
Company: EQUIFAX, INC.
State: GA
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:
Applied for a vehicle at a car dealership XXXX, but did not expect the sales representative to send my personal information to several bank/lenders. It resulted in a dramatic drop in my credit report from all 3 bureaus. Requesting that the following items from the Identity Theft PDF be removed from my credit report immediately according to the Fair Credit Reporting Act. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We had a unit that sat vacant for 6 years without any action by the bank ( s ) except to pay all fees after foreclosure filed by HOA. It is all ok now but we were very frustrated for 6 years with no action!! It finally went to auction and was purchased for {$18000.00} with the bank still having interest. The new owner will work with the bank to take full ownership. It is currently rented. We have been complaining about the lack of attention by the bank ... went to OCWEN who will not respond ... tell you to write ... still do n't respond. Grrrr.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX / XXXX XXXX XXXX : XXXX / XXXX XXXX BUSINESS TYPE : XXXX XXXX DATE OF XXXX : XX/XX/2021 XXXX / XXXXXXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.

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 2020-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/20 I deposited a check from a settlement through the drive up window with a teller. Before the check was deposited I was advised that a hold had to be placed on it until XX/XX/20 and this date is also on my deposit slip in which I was fine with because I feel like it was protocol. I have now received an email stating that the hold is until the XX/XX/20 in which I did not agree too and none of my funds are being made available in the mean time

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 2020-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I ordered a pressure cleaner off internet and never recieved item. I requested chargeback and bank denied my request. Bank claim merchant has proof of delivery. But no signed proof of delivery exist and I have. p. o. box that the item was too large to be put in. Futher merchant has reputation for fraud transaction on the internet. Also merchant been promising refund by email but has not done so for month. I provided this info to bank which failed to investigate info. Merchant name is XXXX website XXXX email address is XXXX my bank is bank of America

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 2020-08-18
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: Personal information incorrect

Complaint:
In XXXX I was unable to obtain phone service due to incorrect information provided by EQUIFAX. Birthdate was incorrect, reported as XX/XX/XXXX, correct date is XX/XX/XXXX. After I provided confirming documents, I received confirmation # XXXX and # XXXX from EQUIFAX stating that my birthdate was corrected on XX/XX/XXXX. I recently applied for credit and discovered that EQUIFAX was still reporting incorrectly. I submitted a new dispute and received confirmation # XXXX dated XX/XX/XXXX with the birthdate unchanged and no explanation as to why their previous corrective statements were false. 
This is OUTRAGIOUS!!! EQUIFAX should be severely censured and fined for this devious action and failure to correct their data. They must be fined until they correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX was my original mortgage During the pandemic I apply for a forbearance assistance and I have accepted when the assistance ended they offer me a trial payment which I accepted But at the time to do my first payment the sold the loan to a shellpoint mortgage and the new mortgage took over so I did the payment with the new mortgage company on time for 3 consecutive months so I was approved for a modification on my loan but they report me those 3 payment as late payment and every time I call to try to get this issue fix they said that because my original payment with the old mortgage was a different amount they reported like that And they dont honoring the trial period that I was approved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation