BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Merchants Automotive Group LLC
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I am being charged a " Door Knock '' Fee in XX/XX/XXXX/XX/XX/2021 for an Private investigator being hired to hand deliver me a demand for payment from Right Direction. I never received said notice, as the Private investigator was sent to the wrong address and location to provide me with these papers. Right Direction has my updated address on file in XXXX, NH, but yet still went to a location in XXXX that has never been associated with my account nor has been a place I have ever been to in the last 5 years of having this car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Many thanks for your help. Most of the stolen money was paid back except around {$8000.00}. Thank you again and it is nice and comfort to know that federal bureau looking after consumers.

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 2017-09-09
Company: EQUIFAX, INC.
State: PA
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:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a written request for cancellation of my PMI ( private mortgage insurance ) through PHH Mortgage using their official cancellation form. I included a check for the requested amount of {$150.00} to pay for an appraisal of my property. My loan is over XXXX years old, originating in XX/XX/XXXX. The value of my property has increased significantly since obtaining the loan. I have never been late on a mortgage payment and my account is in good ( perfect ) standing. The {$150.00} payment was applied on XX/XX/XXXX. I called to check on the status on XX/XX/XXXX, and to ensure that the {$150.00} payment was correctly applied towards an appraisal because my online account did not specify. I was told that they had my paperwork, the payment was correctly applied, and to wait 20-25 business days from the date the payment was applied before expecting to hear from the cancellation department. By XX/XX/XXXX I had still heard nothing, and called for an update. I was told by the customer service representative that he would personally look into my case and either call or email with an update within the next two weeks. I never heard back. I called on XX/XX/XXXX and this time was forwarded to an " escalation manager '' to look into the issue for me. I spoke with XXXX who was very nice and helpful and said she would be in touch with the PMI cancellation department and should hear back from them within 10 days, and that I would receive communication via email from her with updates. I received an email on day XXXX and day XXXX. Both times I was told that they were " still thoroughly researching the issue '' and would be in touch within the next five business days. I have been told by every representative I have spoken with that even though the PMI cancellation department is busy that someone should have contacted me within 25 business days of my payment for appraisal being applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NH
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:
The Equifax credit reporting organization has allowed unknown persons access to my personal information that could be used to effectively destroy my life. They 've allowed access to my Social Security Number and much of my personally identifiable information that could be used to open fraudulent credit cards and bank loans that could destroy my credit ( also managed by Equifax ) which would make it impossible in the future to apply for loans that I would need such as for a newer vehicle. This is not even a service I want from Equifax but they have been given my information and have effectively distributed it. They 've potentially stolen and sold my identity ; a crime. Now I have to look over my shoulder every day to hopefully protect myself from invisible pickpockets and thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your Company, This has cause me financial injury, this has cause me defamation of character hurting my ability to obtain credit under the COVID Pandemic crisis

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 2022-08-14
Company: AFNI INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX says I owe them {$1200.00}, but I haven't been using the service. How can I owe and the service is off?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX BANK, XXXX. - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXXL - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
11. XXXX FCU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

12. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
13. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
14. XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
15. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
16. XXXX XXXX - Account # XXXX Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX ACCEPT on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX, ACCOUNT NO. XXXX CORRECTLY HAS A DATE OF FIRST DELINQUENCY OF XX/XX/2015. 
XXXX ACCOUNT WAS 30 DAYS LATE ON XX/XX/2015. 
60 DAYS LATE ON XX/XX/2015 90 DAYS LATE ON XX/XX/2015 120 DAYS LATE ON XX/XX/2015 150 DAYS LATE ONXX/XX/2015. 
CHARGED OFF IN XXXX OF 2015. 
ANY OTHER DEPICTION ON ANY CREDIT REPORT IS ERRONEOUS, FRAUDULENT, SYMPTOMATIC OF ILLEGAL RE-AGING, A VIOLATION OF THE FCRA AND DODD-FRANK, THE LAW OF THE LAND. 
ACCORDING TO THE FCRA EACH FALSE VERIFICATION, BY A BUREAU CARRIES {$100.00} TO {$1000.00} PENALTIES TO BE PAID THE INJURED CONSUMER REGARDLESS OF INTENT OR NEGLIGENCE. 
ALL VERIFICATIONS BY EQUIFAX AND XXXX  HAVE BEEN ILLEGALLY ERRONEOUS FOR THE ABOVE FACTS REGARDING ACCURATE PAYMENT HISTORY. 
THE ACTION OF THE BUREAUS FROM THIS COMPLAINT MUST ABIDE BY THE ACTIONS DICTATED BY THE FCRA OR FACE LEGAL CONSEQUENCES OF INACTION REPRESENTED BY PAST PATTERNS AND PRACTICE OF DISPUTE RESOLUTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have been paying XXXX a month on this loan for 12 months. My initial lian amount was XXXX and currently has an outstanding balance of {$6100.00}. As i look over the contract the total balance due is nearly XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
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: Account status incorrect

Complaint:
Hello, my name is XXXX XXXX I failed to pay my XXXX XXXX payment on XX/XX/XXXX due to financial issues and attempted to salvage the account by paying on XX/XX/XXXX on thursday XX/XX/XXXX I receive a notification that my payment did not go through. 
As soon as I receive the notification I paid the balance but XXXX XXXX reported my account. I take full responsibility for the missed payment on XX/XX/XXXX but my bank rejected my payment on XX/XX/XXXX which made my account 30 days late. I paid with the wrong bank account number and made the payment with the correct account as soon as I received the notification. I would really like to get this removed off of my credit report because I did not know the bank would reject the payment and I rectified the mistake as soon as I became aware of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Experian Information Solutions Inc.
State: LA
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:
Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Experian is reporting negative information from XXXX XXXX XXXX, and XXXX XXXX XXXX which is incorrect. These items do not belong to me. They're illegally attempting to collect money from me. 

This information is negatively affecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.

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 2022-07-11
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX acct 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 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 2017-09-09
Company: EQUIFAX, 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:
Equifax indicated that my personal information was likely involved in the recent breach to their systems. It does not immediately appear that there is any unexpected activity on my credit report, but to get the full reports I will have to access them by mail. I am also very concerned with the slow response to consumers as well as the ambiguous terms listed on the website they established for consumers to check whether their information was involved in the breach. It appeared to many until Equifax eventually made an announcement to clarify, that by checking for your involvement you were waiving your rights to class action lawsuits, and agreeing to arbitration to settle any issues raised by the breach. This ambiguity is unacceptable as it has led to many individuals expressing that they do not feel comfortable checking the safety of their personal information which Equifax was entrusted with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WA
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:
Equifax did not properly secure my information among 143 million others as I learned today that my information was stolen. They have my social security number, credit card numbers, income, employment info, birth date, legal name, know my equity levels, and access to security questions. I am very concerned that my identity will be hacked and compromised after being careful all these years to avoid dodgy websites. I am very concerned that someone may steal my identity and credit and or file a fake tax return now that they have my information. This is a huge problem and I hope the government can do something about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: IN
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely upset with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I DON`T RECOGNIZE THESE ACCOUNTS AND INQUIRIES, I HAVE NEVER APPLIED FOR THESE DEBT, WITH THESE COMPANIES I HAVE NO CONTRACTS OR AGREEMENTS WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX acct 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have always paid my account on time every month thru the website that the company provides but one month they notified me 30 days later that they never received the payment. I hadn't printed the confirmation because it has never been a problem I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but not had success. Its my only late pay with them and it wasn't my fault. They acknowledged that it may have happened since they have intermittent problems with their website and others have had similar issues that i know. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I never attended one class at this school. They withdrew me from the school navient is stating that I owe them a balance. I have never attended this school and have stated this to navient. The school explained that if any funds were sent to them they were returned to sallie mae of which is not navient. This is harming my credit and very crooked. I have not attended the school therefore no services in regards to education was received. Please remove this from my credit reporting navient is acting in an illegal manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There were two fraudulent charges made on my BJ 's Comenity XXXX XXXX Card in Colorado on XX/XX/XXXX, yet I live in Florida and have not been in Colorado nor purchased anything online there since XXXX. One was for about {$50.00} and the other about {$35.00}. I have called them every day and their automated system hangs up and disconnects my phone call and they never allow me to report this. I have tried calling at least 6 different numbers for Commenity Bank, their corporate headquarters yet no one will answer the phone and take my complaint of fraud and these charges are now on my bill which I do not owe. 
You can see from the attached file how this is not a charge that I made due to my location.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received XXXX separate letters XXXX on XX/XX/22 then XXXX on XX/XX/22 from PenFed Credit Union. Both stated that I have been approved for a XXXX XXXX card I never applied for. I contacted the company on XXXX and indicated that someone has apparently has stolen my personal information and do not approved this credit application. They informed me that they will contact their own fraud department of identify theft and that someone will contact me in 2-4 business days. They also instructed me to contact the 3 credit bureaus of the identify theft.

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