BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-18
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX Flagstar Mortgage Loan # XXXX Property- XXXX XXXX XXXX XXXX CO XXXX I did a mortgage modification XXXX XXXX with Flagstar after a Covid forbearance and I have been making the mortgage payments according to the modified loan that Flagstar sent me a copy of the Fully signed, notarized, and " fully executed '' Agreement dated XX/XX/XXXX ... I have made Seven months worth of payments but they refuse to apply it to the modified loan ... they will not update my online statements and they call me saying I owe a debt and to call back and when I do they tell me to call back in a couple weeks... and I have for seven months and now they do not respond to me at all ... I know my contract is legal but they just refuse to start applying my payments to it... Please help... XXXX XXXX XXXXXXXX Veteran XXXX 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 2018-10-23
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 status incorrect

Complaint:
In the spring of XX/XX/XXXX, I was informed by the IRS that somebody had stolen my identity and filed my taxes. I followed all policies and protocols with all relevant agencies. I submitted police report, affidavit, SS card, DL, and IRS letter. All 3 major credit bureaus removed fraudulent acct except, EQUIFAX. One account I have disputed with Equifax, for over two years is, XXXX XXXX XXXX. I called around XX/XX/XXXX to inform Equifax, I was not happy with the fact they keep telling me account was verified as mine. I demanded a loan document showing my signature as proof. The man said he would follow up. Fast forward : XX/XX/XXXX I am out shopping with my daughter. My retail CC came up declined. I was shocked. Used another credit card that was declined. I called XXXX XXXX, they explained EQUIFAX had sent a letter 5 days earlier that I was disputing my accounts as fraud. The bank closed my CC immediately. They can not reopen I need to reapply. I called Equifax that evening Spent three hours on hold in the XXXX. Finally, I was sent to Nevada EQUIFAX call center When XXXX pulled up my acct all she said over and over was " oh my XXXX, every one of your accounts on your credit report are being reported as being disputed by you for fraud '' Closed, Open Accounts 20+ years- all being disputed. I had called in reference several weeks ago about XXXX XXXX XXXX. I asked XXXX what EQUIFAX was going to do. She said EQUIFAX would send letter that I no longer dispute accts and remove fraud status immediately. That is fraudulent. Equifax is not to tell my creditors I no longer dispute accts as I never did!! - adverse action has taken place against me. I have closed CC with high balances. I have no credit available with unpaid balances. This is killing my credit score XXXX said it was a glitch in equifax stem. This is unacceptable, irresponsible and down right dangerous. I have been living a nightmare since XX/XX/XXXX.  Calling all my creditors begging them to not close my accts - guess what? XXXX XXXX and XXXX  are now showing/reporting EQUIFAX fraudulent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/2016 a credit card was opened in my name thru XXXX XXXX XXXX. Card was used and maxes out to the limit which was {$300.00} I believe. Total charge amount is {$430.00}. I did not open this account. Someone had my info and opened it. The account was closed in XX/XX/2016. And left on my credit report to damage it. Please fix this for me. Thank 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 explanation
Consumer complaint received 2017-11-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Received communication from XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX and XXXX XXXX, XXXX as responses for my disputes of the debt. Prior to this I had never received communication of my right to dispute, nor was I notified of an initial claim of debt into collections. 

They have provided details of debt in which they claim I owe, however for account number XXXX, it is past the statute of limitation for the state of Florida and they are still attempting to solicit payment from me. Proof of this statement is at the bottom of their validation of debt with the statement, " This is an attempt to collect a debt and any information obtained will be used for that purpose. '' This is a clear violation of my rights as a resident of Florida and I am reporting them as I feel this is against the law.

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 2020-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital One Credit Card Account Status Account is still delinquent status Capital One Auto Finance is Joint contractual liability I have asked to be deleted from this contract they have not done it yes. XXXX XXXX XXXX XXXX disputes after resolution auto. XXXX XXXX XXXX open account still payments are being made by financial counseling program still showing delinquent. XXXX XXXX XXXX is showing open debt was closed The have put this account into collection original XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX this account was discharged in bankruptcy XX/XX/XXXX Consumer disputes after resolution re-affirmation of debt. Capital One Credit Card delinquencies Capital One Auto Finance account was delinquent 90 days account was in dispute now resolved reported by provider account was paid off XX/XX/XXXX needs to be deleted Credit Bureau dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: AmeriCollect
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Americollect fails to show me what i owe them or my medical provider for. I have asked for proof of debts and have only been told the balance of the current account and that it came from a medical provider, upon checking my credit score it shows 3 accounts from americollect in collections. All are above 350 dollars per account. When I check americollects online sight I do not see these same XXXX collections on my report but a plethira of small collections accounts I supposedly owe to them. I am not sure which accounts are true to me actually owing them, especially since the credit report and there account site dont match.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As of XX/XX/24 Bank of America fictitiously reported negative information dropping my XXXX  score over 100 points. As someone that dreams to buy a home in the future, this is devastating. I'm hoping the CFPB can help me! Bank of America recently updated XXXX that two closed accounts were charged off and they were actually discharged in Bankruptcy. I've tried disputing it on my XXXX credit bureau and my dispute actually messed things up more and triggered a recent serious delinquency on my XXXX. This is in violation of federal bankruptcy laws and I demand my XXXX be updated immediately to reflect the discharge and the serious delinquency be removed. I am attaching a copy of my discharge from years ago. As of XX/XX/24 Bank of America fictitiously reported negative information dropping my XXXX score over XXXX points. 

Acct Numbers ending in # XXXX + 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 non-monetary relief
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: NC
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, 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 15 U.S.C 1666B : A creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any purpose

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 2022-06-18
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2017-09-09
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:
Hi, I 'd like to file a complaint against Equifax and their handling of the hack that occurred the last few months between XX/XX/XXXX - XX/XX/XXXX. Equifax did not immediately contact customers letting them know their personal information is subject to the hack. I find this unethical. Equifax should provide free credit monitoring and provide a free security freeze to victims of the attack. They have n't been transparent about this and I believe the company should get shut down due to their unethical behaviors and handling of the XX/XX/XXXXhack that breached 150+ million " customers. '' I do n't appreciate that a third party company has my social security number, address, phone number, etc. I do n't elect to give them this information. There should be a better way to verify identities when creating credit cards in the US. I hope this hack creates different legislation going forward in the US. I have contacted my Senator in  California and will continue to voice my opinion on the handling of the Equifax hack. The company deserves what it has coming to them.

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:
In regards to the Equifax data breach XXXX/XXXX/XXXX my personal information has been compromised including personal identifiable informant such as SS # and date of birth This places me at great financial risk going forward from this date XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
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:
In accordance with the Fair Credit Reportina act XXXX Account #. XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacv 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reportina agency can not furnish a account without mv written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
Equifax experienced a security breach that affects 143 million individuals. I checked their website ( https : //www.equifaxsecurity2017.com/potential-impact/ ) to determine whether or not I was potentially impacted, and the results say that I  am. 

I have requested a 90-day fraud alert to be set up so that I am aware of any attempts made at stealing my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The transaction dates and account balances are always incorrect. On the app and on their website. They also make money transfers without my knowledge or permission. The overdraft protection does not protect against overdrafts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I recently attempted to get pre-approval for a mortgage to buy a new house after obtaining a contract on my existing home. I was not aware of any problems with my credit and knew of no issues that might affect me getting pre-approved for a new mortgage. However, the mortgage broker I enlisted said that my current mortgage company, XXXX XXXX, showed me as being 60 days late on my XXXX payment. I have bank statements ( attached ) showing payments made from XX/XX/XXXX to the current date, XX/XX/XXXX, for the balance due, plus additional principal payment, in the amount of {$1600.00}. I have repeatedly called XXXX XXXX but all attempts at getting anyone to help me have been unsuccessful. They will not work with the credit bureaus to remove the 60 day late notice from my credit report. They continue to refuse my requests to speak with someone that has the authority to help with my request. I have been treated with callous indifference by everyone I have spoken to. As a result, I am at their mercy and will be homeless when I close the sale of my house unless I can get this corrected.

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: 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:
Equifax exposed my personal information without my consent, as part of their recent data breach. In addition, they dragged their feet in the announcement of the report, and even allowed their upper management to sell off stock before the announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$160.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$160.00} -This is not my account.

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 2021-12-06
Company: EQUIFAX, INC.
State: MI
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:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 

XXXX XXXX XXXX XXXX reporting inaccurate on all 3 bureaus XXXX Card XXXX reporting inaccurate on all 3 bureaus status says paid on XXXX and XXXX then says collections Im confused then on Equifax it says derogatory collection. Please remove or fix & permanently put paid 100 % on time on all 3 bureaus if my status is paid I dont understand. 

XXXX XXXX XXXX Is reporting inaccurate on all 3 bureaus please remove XXXX XXXX XXXX is reporting inaccurate on all 3 bureaus please remove XXXX XXXX XXXX reporting inaccurate on all 3 bureaus please remove XXXX XXXX XXXX Reporting inaccurate on XXXX and Equifax please remove XXXX XXXX XXXX reporting inaccurate on all 3 bureaus please remove XXXX XXXX XXXX Reporting inaccurate on all 3 bureaus please update my payment status to 100 % paid on all 3 or remove this inaccurate account from my file..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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: 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Nelnet, Inc.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am trying to pay off my XXXX  school debt. I originally started with XXXX XXXX and my loans were sold to NELNET. I have recently tried to pay off the remaining balance. Online payments are not allowed for " pay off '' due to accumulating interest creating a higher payment than what is actually owed. I called and had to submit additional payment of a dollar or so to cover the interest " while the loan payment is being processed. '' I am unable to just " pay off '' this loan today. I am frustrated. If interest is over what I have " paid in advance '' then I need to call back in a few days and make another " less than one dollar '' payment to cover. This is predatory and taking advantage of people taking out these loans. Payoff should be simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Experian Information Solutions Inc.
State: PA
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:
I checked my credit report and had some concerns about the information in my consumer credit file. Experian was first notified on XX/XX/2018 ( Attachment A ). On XX/XX/2018, I received report which stated on page three that the company that reported the information has certified ( Attachment B ) to Experian that the information is accurate. 

Additionally, I sent a second letter ( Attachment C ) on XX/XX/2018, regarding account # not properly being verified, and received Experians XX/XX/2018, report # XXXX ( Attachment D ). This unverified report displayed Experians policies for handling disputes and nothing else. Page two of the report indicated that the page was intentionally left blank. 

In good faith, I decided to send a third letter ( Attachment E ) on XX/XX/2018, reiterating the same points made in letters one and two, and to provide proof to support the statements made in letter three. Despite sending these letters, Experian will not properly investigate my concerns regarding account number # ( adhering to FCRA ) and the other items disputed in letters one through three. A XXXX dollar fine for each violation means nothing to a company that makes billions per year. Lastly, their total disregard for the law is arrogant and insensitive. See additional support ( Attachment F ). 

Please hold Experian accountable. I am in the process of purchasing a home within the next nine months.

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