BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The law firms are representing Bank of America in a foreclosure and filed a Notice of Hearing on Foreclosure of Deed of Trust on XXXX XXXX, XXXX, and the law firms used Fraudulent documents that were sent to them by Bank of America. The law firms have been notified of the fraudulent documents but have done nothing to stop this fraudulent foreclosure. The new Foreclosure Sale date  is XX/XX/XXXX XXXX, but the foreclosure sale has not been canceled and dismissed due to the filing of the Foreclosure with fraudulent documents. The Note filed is fraudulent in several ways but the main reason it is a fraud is that it is not the Note that I signed at the Closing which was XXXX XXXX, XXXX. The Note is already fraudulent because the lender listed on the note is America 's Wholesale Lender and they are a fictitious lender that was used by Countrywide Home Loans to originate mortgage loans in XXXX and the above-noted lender was not licensed in the State of North Carolina or any state in the United States because it was a fictitious lender and not Legal to originate or fund mortgage loans in the first place.

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 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In correspondence dated XXXX XXXX, 2017, I mailed this credit repository my request for a dispute, as my credit report contained an erroneous entry. Now that over 30 days have passed I have found this company barely investigated the item and my report is still largely incorrect. In addition, when I reached out the data furnishers to request for validation documents, I did not receive anything to validate the entry. Instead, they requested me to fill up a form and send additional information. From what I read online, FDCPA requires collection companies to provide proof/validation documents upon consumer 's request within 30 days. Another thing that I do not understand is XXXX REMOVED this invalid entry from my report. My credit has been damaged due to this incompetence, negligence and none compliance.

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 2021-08-25
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:
Several Unauthorized Inquiries Appeared on my consumer report

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: 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 reporting Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Account # XXXX 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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: Reporting company used your report improperly

Complaint:
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, 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. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had electric services with XXXX  XXXX  XXXX, XXXX, I was moving out of Indiana, had my account requested to be closed on XX/XX/2022. I have paid all my bills on time for electric utilities. On XX/XX/XXXX, the account was closed and the final bill came due, XXXX, I paid this on XX/XX/XXXX, the due date on the final bill was pay by XX/XX/2022. Apparently on XX/XX/2022 I was sent to debt collections LJ Ross associates, I received a letter dated XX/XX/2022 that I was sent to collections for XXXX ( this was already paid ). Since mail takes some time to get to me, I opened the letter on XX/XX/XXXX, was distraught that this occurred. I called XXXX On XX/XX/XXXX in the XXXX, they said that there was a " system error '' that occurred and several accounts were sent to collections mine happened to be in that account, then it was recalled on XX/XX/XXXX, they said nothing will go to credit bureau and that LJ Ross or other debt collector should not be collecting. I then called LJ Ross later in the day on XX/XX/XXXX, they stated the account was recalled and they can not give any other information and told me to call XXXX. I then called XXXX they said that it was a system error account has been recalled, I have paid in full, and that it should not hit the credit bureau, but it would be LJ Ross that reports that, they said to check XXXX in a couple of weeks. I stated okay, and I stated that this is a significant amount of work, time consuming out of personal time, and requires checking multiple places ( XXXX, LJ Ross, XXXX ), and that there should be compensation for literally time wasted for an error done by XXXX, I was denied compensation, one rep sent me to a supervisor, I notified the supervisor who I spoke with I would like this I was told I can file a damage claim online ( there is no damage claim for financial compensation ), and then I was told another supervisor would reach out for my concern, I notified that this type of behavior is not acceptable to have accounts sent to debt collection and waste customer 's time, and I should receive compensation, I notified the supervisor I will post on CFPB for this behavior. I would like fair compensation for my efforts at making sure I am not put into debt collection for no reason, my credit report is not damaged. This compensation can be negotiated with myself.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: EQUIFAX, INC.
State: SC
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 have been a victim of XXXX inquiry issue and I called to have these XXXX inquiry removed XXXX  XX/XX/17 XXXX XXXX XX/XX/17 XXXX XX/XX/17 XXXX XX/XX/XXXX XXXX XXXX X/XX/17 I wish to have these Inquiry removed asap ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
This is in regards to the recent leak of information from Equifax including private personal and financial information, mine included. It is unacceptable for a organization that is in control of such important information to be open to such data loss. It shows a gross disregard for information security.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: VA
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:
According to Equifax 's www.equifaxsecurity2017.com/XXXX site, some of my information may have been compromised : " Based on the information provided, we believe that your personal information may have been impacted by this incident.
Click the button below to continue your enrollment in XXXX XXXX. '' I am not interested in enrolling in XXXX XXXX with the company who allowed my information to be stolen in the first place, especially in light of reports that the TOS for XXXX XXXX  requires that I waive my right to sue Equifax over the compromised information. In my opinion, Equifax has handled this situation poorly.

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 XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/XXXX, Navy Federal Credit Union was notified by phone of my desire to rescind the alleged debt. In XXXX my desire to rescind the consumer credit transaction was faxed to Navy Federal 's dispute office. 

I asked for this consumer credit transaction to rescinded pursuant 15 USC 1635 of the Truth in Lending Act. My request has been denied numerous times by Navy Federal Credit Union without explanation. 

Navy Federal Credit Union has never responded to my affidavits in regards too this alleged account. 

Navy Federal has mailed 4 promissory notes that do not hold my wet signature. Those promissory note were mailed to me the natural person after I request debt validation pursuant 15 USC 1692g I demand Navy Federal Credit Union produce the actual promissory note or remove themselves from all consumer reports, and zero out my balance while removing all negative remarks form my consumer reports immediately. 

Navy Federal is attempting to ruin my credit, by refusing my request to rescind this transaction. NFCU I demand a copy of the promissory note. 

As a debt collector NFCU is attempting to violate 15 USC 1692e ( 4 ) and 15 USC 1692f ( 6 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a payment for XXXX house on XX/XX/XXXX for XXXX by ph done right. Decided to go online on select portfolio servicing website I marked boxes to pay XXXX XXXX escrow which found out has been applied but then I also marked box to pay late fees XXXX XX/XX/XXXX they have not applied my money to late fees at all said I'm not due till XX/XX/XXXX but I'm due XX/XX/XXXX ai have called multiple times only be told short handed and being worked with their cash payment I called 4 times I believe and also spoke with a supervisor and nothing has been done have been keep calling back they have admitted that was correct on my end what I did but their end applied it wrong I can't get them to apply my payment exact amt to the late fees I have told them I want amt I paid applied correctly please help been almost a month they keep saying in the works have call back which I have

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WI
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 read about the Equifax hack yesterday ( XX/XX/XXXX ), over the course of that night and the following day ( XX/XX/XXXX ) while at work I became more and more stressed out, I never used credit at all, except for my mortgage. I do n't believe in spending money you do n't have, so I 've never had, and never will obtain credit cards or get loans ( other than for my home ). When I got home from work today ( XX/XX/XXXX ) I immediately went to the FTC website to see what my options were, so I followed the directions, and my information is at risk according to Equifax 's website. I called XXXX, and while I could not get a live operator, I was able to place a 90 day identify theft alert on my credit report via the automated system. 

I just want to be left alone. Let me pay my mortgage, I never want anything else finance related.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report

Company response to consumer: Closed with non-monetary relief
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 XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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  for the past several months has not been posting my payments with my Capital One Credit Card. My payment history with my Capital One Credit card is always XXXX or XXXX months behind which is affecting my credit score. This is XX/XX/2021 and I don't see my payments for XXXX, XXXX, and XX/XX/2021 posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed 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. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

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:
The Credit Bureaus stated my account was properly investigated, but how is that possible if the Last Date Verified is inaccurate, the Date of Last Activity is inaccurate, the date Opened reported is inaccurate, the Account Status is reported inaccurate, and Creditor Remarks is reported inaccurate. This is grounds for removal in addition to violating 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 an account without my written instruction.

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 2017-10-21
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello, I had an account with XXXX back in XXXX. I failed to pay. Now 6 years later, ERC has been harassing me with calls at all times. And now i have a collections on My credit report that was never there ALL these years. The lady is rude and continues to say im sure you have been working and can pay this Off already, aggressively. And talking really XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2022, I sent a letter to the court house asking if they reported my bankruptcy to the credit bureaus. I received a letter stating that they do not report bankruptcies to any entities. If that is indeed true how is it that the credit bureaus verified the bankruptcy action as 100 % accurate. The bureaus did not complete a fair investigation according to the Credit Report Act 15 U.S. Code 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) states : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

The credit bureaus also violated my rights given under Credit Report Act 15 U.S.C 1681 section 602 ( A ) ( 4 ). According to this law I have a right to privacy. 

Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

According to 15 U.S.C. 181 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instruction.

According to 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to beliefve that the information is inaccurate.

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 2017-09-08
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:
It is quite obvious what happened, as I am only 1 of 143 million Americans. Equifax, through seemingly gross incompetence, has allowed my credit and personal information, and millions others, to be breached and taken from their data records illegally. I assume this is n't the appropriate place to mention the over a month time period that elapsed before Equifax announced this breach to the public, only after their shares in the company were sold, so I wo n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I checked online ( through Equifax itself ) and learned that I was at risk for their hack. It is unacceptable that my personal information is now lost and I will forever be at risk for identity theft.

Company response to consumer: Closed with explanation