BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C. 1661 section 602A. States I have the right to privacy 15 U.S.C. 1661 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus look more than 30 days to complete my investigation here my certified tracking number

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have already done a fraud alert I need my report so I can look over it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30
Company: EQUIFAX, 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 XXXX XXXX Account # XXXX & XXXX 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 explanation
Consumer complaint received 2022-05-30
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 XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Phone company is raising charges for this service, although it was disconnected

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Subject : Request for Information : copy of my abortive VA Loan application paperworkBACKGROUND : I signed and returned a VA loan application to the Lender, but the financing fell through in UnderwritingPROBLEM : I asked by telephone AND emailed a request a copy of my VA loan application that I signed and returned and offered to pay any requiste fee ; but I was told " ... The application was not completed so the information contained on the application you filled out would be a working document for us. The application would have been finalized at closing and you would have signed in there.. '' EFFECT : Because my credit request was not approved, I would not be going to closing and there would be no other opportunity to get a copy of these important documentsSOLUTION : I would like Lender to send me a true copy of complete loan application that I signed. XXXX Cited : RESPA, the Privacy act and Dodd-Frank, as applicable. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX service my loan when I purchase my home end of XX/XX/XXXX2021. My homeowners insurance policy XXXX was furnished by XXXX XXXX at that time. Shortly after I purchase my home, an institution name Mr. Cooper purchased my loan from XXXX XXXX XXXX. In XX/XX/XXXX 2022, Mr. Cooper ( Nationstar ) sent me a notice letter stating my homeowners insurance lapse and requested proof of insurance. I immediately contacted XXXX XXXX for more information. XXXX confirmed the homeowners insurance was cancelled XX/XX/XXXX 2021 and a cancellation letter notice mailed to XXXX XXXX XXXX. I immediately secure a new homeowners insurance policy XXXX with XXXX and update Mr. Cooper with a copy. However, Mr. Cooper decided to force-placed an insurance on my property for over {$16000.00} back dated to XXXX 2021 despite admitting of being notified and failed to notify me and waited almost a year to do so. I honestly believe this is a common practice of this institution and will consult an attorney to explore my options. As I am writing this complaint, XXXX insurance still owe me the money paid up front for the homeowners insurance policy that was cancelled in XX/XX/XXXX2021. I am awaiting to hear from Mr. Cooper because this is outrageous and spiteful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
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 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 credit card 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 2016-09-22
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have on my Credit report showing that XXXX XXXX is assuming that i owe them {$3100.00} and also i have a collection account stating that i owe Diversified Consultants {$3700.00}. I do NOT owe any of these companies any money. This needs to be ceased and dismissed. I will NOT being paying anything to these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: AES/PHEAA
State: CO
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 have tried to contact Fed Loans XXXX several times in regards to my student loan. I am a frontline worker, and served in the capacity of such during the pandemic. Although my loan was not needing to be paid on during the pandemic, I still worked for the non-profit during the entirety of the pandemic period. 
I submitted my Public Student Loan Paperwork to Fed Loan Servicing back in XX/XX/XXXX. I have called numerous times to get this fixed. 
I started payments on my loan in XX/XX/XXXX. This means that with the paperwork I have submitted, I should have on record with Fed Loans a total of 84 to 85 payments made. Fed Loans is continuously only showing 61 payments made. This means that Fed Loans is not counting two years of payments. 
I have tried to resolve this on countless occasions by calling. Each call they advise me that they show my paperwork was submitted and that they have it. Only when I do call, I'm told to " Give it a couple of weeks, and it will be taken care of. '' As you can imagine, I checked today only to see that I'm still at 61 payments. 
I clearly can not rectify this by calling or e-mailing Fed Loans Servicing ( MyFedLoan ) since they don't do anything to rectify the problem. 
I don't know that I have to do to get Fed Loans Servicing to count my Public Student Loan Forgiveness payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
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 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 credit card 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 non-monetary relief
Consumer complaint received 2017-01-05
Company: Advance America, Cash Advance Centers, Inc.
State: FL
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I just received an email with no contact information except for a gmail address of : XXXX for XXXX or advance America. There is no phone or other information. They are threatening in this email to contact employer and the sheriffs office. It also said I was notified in XX/XX/2015 and that they are accepting this as a flat out refusal to pay. I have no memory of doing any business with this company is a VERY long time. Almost XXXX yrs.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. invalid inquiry XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 2. invalid inquiry XXXX  Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 3. invalid inquiry XXXX  Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 4. invalid inquiry XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 5. invalid inquiry XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 6. invalid inquiry XXXX  Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 7. invalid inquiry XXXX  Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 8. invalid inquiry XXXX  Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 9. invalid inquiry XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 10. 15 U.S. Code 1681n Civil Liability for willful noncompliance XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 11. FDCPA section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 12. 15 U.S. Code 1692g Validation of debt XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Thank You Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, 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 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 credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Collection Bureau of Walla Walla
State: WA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Approx. 18 months ago, I began paying monthly payments via check to The Collection Bureau of Walla Walla Inc ( CBWW ). I have NEVER missed a payment up to this day. Approx 12 months ago, a Cease and Desist Order was placed on this account by me which was repeatedly ignored by CBWW causing me to purchase extra features on my phone in order to Block Calls from CBWW. On XXXX/XXXX/16, I was served a lawsuit by CBWW demanding full payment to the tune of {$1700.00} despite only owing {$900.00} at this time. Several attempts to request ANY copies of me acknowledging owing this bill AND copies of ANY payment arrangements signed by me have not been provided. On XXXX/XXXX/16, I spoke via telephone to a CBWW employee named XXXX who admitted that I never signed ANY paperwork accepting responsibility for this bill AND she ALSO admitted that I never signed ANY payment arrangement with CBWW. AFTER I was served, the CBWW actually cashed ANOTHER check from me for {$35.00}. These creditors are being paid every month and are even cashing my checks AFTER I was served!! This lawsuit is illegal and unnecessary causing me an additional {$600.00} bucks plus almost 2 years of interest which is an outrageous illegal scam to rack up fees to purposely keep me in debt. This collection company has a systemic fraudulent office practice of knowingly racking up debtors cases when the total due amount gets lower than {$1000.00} purposely causing debtors to represent themselves in civil court, where they often lose and BINGO another {$600.00} bucks is added to their file. In my case, I have NEVER acknowledged even owing this bill, never signed any payment arrangement, and have a clean perfect record of paying every month!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 found that my credit report included a credit card and address that did not belong to me. A person in the state of New York with the same name and birthdate has this address and his bad credit is affecting mine and Ive been unable to clear it up with the original credit card holder, XXXX XXXX XXXX ( XXXX ) card in the amount of {$4900.00}. They also would not update my report to remove the New York address despite the fact that Ive never lived there or visited the state of New York. I have a pile of documents to prove that this is not me but all 3 credit agencies will not clearly tell me what to do to remove the credit card and address from my report. This is negatively affecting my credit and has for more than a year.

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 2020-10-05
Company: Federal Cash Advance, LLC of Oklahoma
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX XX/XX/XXXX A company by the name of XXXX XXXX XXXX XXXX XXXX has been harassing me at work and on my cell. They have so-called hired a caller by the name of XXXX XXXX XXXX XXXX XXXX XXXX who claims to be a proceedings officer working on behalf of XXXX ( online payday loan company ) and Cashmax ( In-store payday loan company ). She told me I owed a combined amount of {$1500.00} to these two companies and were going to take legal action to serve me at my place of employment unless I agreed to pay the accounts off and that there was a case pending against me in my county. I looked up any pending cases in my county and there aren't any. Before I though whether or not it was a scam ( since I have tried to work on debt consolidation in the past that included these two accounts ) I gave this lady myXX/XX/XXXXcard number to pay an initial down payment of {$59.00} to set up a monthly payment plan. They took out the {$59.00} from my card and they attempted to take out the first monthly payment of {$560.00} from the same card and it was declined. Once it was declined, they resumed harassing me by phone on my cell number and at my job. 

She was referred to me by another lady claiming to be a process server named XXXX and another lady by the name of XXXX XXXX XXXX XXXX XXXX XXXX who needed to speak with my employer to determine my location for me to be served and needed the " protocol '' to get me properly served at my employer location.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
CHASE CARD MADE A HARD INQUIRE ON MY CREDIT REPORT THAT I DIDNT CONSENT TO AND ALSO I HAVE WROTE LETTERS TO THEM AND THEY HAVE FAILED TO RESPOND

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AP
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX ( now XXXX ) is showing my final payment on my mortgage as 30 days late. It was " late '' because, despite repeated attempts by me, the company failed to give me the final payoff amount in a timely manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've contacted XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on XX/XX/21 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile 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 2022-09-17
Company: National Credit Adjusters, LLC
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: Account status incorrect

Complaint:
I was checking my credit report today and noticed that this company had added and erroneous debt to my credit report in the amount of {$320.00}. I did not do business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: EQUIFAX, INC.
State: GA
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 have disputed this account with Equifax numerous times and they keep telling me they do not see a dispute in process, however, when I try to dispute again, it says dispute in progress. I also advised Equifax that XXXX XXXX  is listed on my FTC Report and they keep insisting that it was not mentioned in the FTC report and they never received the report. I do not owe XXXX XXXX  any money. I have a fraud alert and freeze on my consumer reports for a reason. 

I have attached the FTC report AGAIN that Equifax claim they never received and clearly they can see XXXX  XXXX  was listed on the report filed since XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2022, there were 3 unauthorized XXXX  transfer transaction. {$500.00}, {$700.00} and {$200.00} dollars were transferred without proper authorization. XXXX transfer under the recipient name XXXX XXXX amounting to {$500.00} and two transfer under the name of XXXX XXXX {$700.00} and {$200.00}. Capital One said they made an investigation and turned out the transaction happened to a registered device. 
I spoke to the manager handling the case and she rudely replied to me that you have to have some evidence to back up my dispute. There was no notification from the bank alerting us of the transfer.

Company response to consumer: Closed with explanation