BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-13
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I found out I had 2 different credit files due to name change by marriage. As a result, I had two different credit scores for Equifax. I called to have the two files merged. On XX/XX/XXXX, both credit files were deleted and removed all credit history. I spoke to a gentleman at Equifax whom spent time with me collecting all of my account and creditor information so they can be added back. The confirmation number for that call is # XXXX. On XX/XX/XXXX, I was requesting a credit line increase on my XXXX XXXX card with XXXX XXXX. They were unable to pull my report. I lifted the credit freeze and called them back to try it again. At the same time, I processed a request to view my credit report on www.myequifax.com, I received an error message. The next day, I experienced the same thing and XXXX XXXX was still unable to view my credit report. I have not seen an updated credit report in months, all because I changed my name and everytime someone fixes it gets worse. XX/XX/XXXX I call Equifax and requested to speak to a US representative, the customer service associate refused to transfer me. I explained dilemma and after reviewing my file preceeded to tell me there isn't an issue with my report. I requested to speak to a Supervisor and was left on hold for 30 mins. I hung up and called a different Equifax number. I spoke to another associate who was sympathic and kind enough to assistance but she was unable to view my report. She asked I call the Equifax Global Consumer Care at XXXX. XX/XX/XXXX I spoke with XXXX and they too were unable to access my Equifax credit file. As a result, I am unable to view my report and scores for XXXX and XXXX as well. XXXX I am currently on the phone with Equifax at XXXX CST. The associate would not transfer me to a US Representative but is kind enough to assist and look into this as well. So far, he does not see any issues with pulling my credit file. He is unable to find my MyEquifax account online and as of right now I, XXXX XXXX  and XXXX must be doing something incorrectly because " there is no issue accessing my report ''. Mind you that names on the XXXX and XXXX XXXX  requests match my credit file as XXXX XXXX XXXX and same address. I am beyond frustrated and unable to refinance my home, car or obtain any credit that requires an inquiry with Equifax. I have been resolving issue after issue with Equifax and have exhausted all avenues. Still sitting on the phone currently, 57 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 the 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 XXXX XXXX have 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. It also states a consumer reporting agency can not furnish a account without my writing 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 2023-09-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have had multiple overdraft fees which should not be because a overdraft is a extension of credit and you dont owe anything. XXXX XXXX XXXX ( XXXX Rules concerning extensions of credit ) states I can not be denied. XXXX XXXX XXXX - Extension of credit also states that overdraft fees are included in the extension of credit. 

When reviewing my account you will see overdraft fees on : XX/XX/XXXX for {$12.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$70.00}, XX/XX/XXXX for {$47.00}, XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX {$35.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$12.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$70.00}, XX/XX/XXXX {$35.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$10.00}, XX/XX/XXXX for {$10.00}, XX/XX/XXXX for {$10.00} While reviewing my account I contacted the company and the agent told me that there are limits of reversal for overdraft fees, where in fact, as mentioned above, I should be be charged for an extension of my own credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-20
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The problem is a ongoing problem with Fortiva credit. I attempted to get a head of my obligated monthly payments by paying my payments in a month in advance. This was due to having so many problems with Fortiva billing. XX/XX/2020 I made a payment of {$50.00}. Since there were no payment due for XX/XX/2020 because XXXX payment was made in XX/XX/2020. My payment are due the second of each month. So I made the payment after XX/XX/2020 that posted on XX/XX/2020. The exact same day my XX/XX/2020 statement was generated. Around XXXX XXXX I started getting texts message saying I had a payment due in the amount of {$42.00} due XXXX XXXX. I call customer services only to get someone attempting to get me to lose my cool by making up reasons that made no sense at all. I have sent a email to the CEO office and received no response. I have sent a email through general contact no response. Today I check my account and its past due. I went from having no payment due to being past due over hundred and some dollars. After going back and reviewing my account adding up all payments and fees. Too my surprise the requested payment of {$42.00} was actually my payment of {$50.00} minus {$7.00} which is the monthly service fee. I have gotten matter resolved by going to the XXXX then and only then did Fortiva corrected billing inaccurate statements. All the text message and trying to force me to pay the past due amount {$42.00} stating its past due when the payment was made. I dont know what to do because making any kind of payment would be saying I agree with the billing thats incorrect. Now I am in danger of outrageous charges that can get in the thousand of dollars quickly if not resolved. I feel this is complete fraud due to having to deal with the exact same thing month after month with Fortiva credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca ( XXXX ) XXXX-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 2020-08-13
Company: CL Holdings LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I open the account in a XXXX  store that told me wrong information about the monthly bill I received the bill for the month that was coming up I had not been over my 14 days return policy so I return the phones so I took the phone back and close the account now they trying to charge me for the phone and service I return. I called and talk with the company and explain what was going on and they still didnt remove the report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request a revision to my credit report, particularly the removal of the existing public record. I have enclosed the necessary documents to support this appeal. Your assistance is greatly valued

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 2023-10-02
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting 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:
The following hard inquiries are on my credit reports from the credit bureaus without my knowledge or request from creditors : XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: TX
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately! 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The Ohio Attorney General 's Office, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX have 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 believe 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 non-monetary relief
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2021-10-20
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Bridgecrest is not assisting me with several disputes I have emailed and sent via mail. regarding a removal of the late payments on dates of XX/XX/XXXX, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Experian Information Solutions 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:
Theres two accounts on my credit report showing closed on my credit report which is XXXX XXXX XXXX and XXXX XXXX and should be removed from my credit report my XXXX XXXX XXXX was never late

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 2023-09-15
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive tried to dispute 2 negative items from a company named XXXX XXXXXXXX XXXX XXXX with Equifax because the debt they claimed I have I provided receipts from the hospital stating my insurance paid for this debt & that I had a XXXX balance. I sent them verification letters & receipts. They responded verified because they sent me my personal information regarding my XXXX test and lab work I received at the hospital. Not proving any debt, yet breaking major HIPAA Laws. This company has tarnished my credit for years with this debt. I plan to take further action or sue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: VA
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: CT
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 value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: NAVY FEDERAL CREDIT UNION
State: HI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I've had a refinance application in with Navy Federal Credit Union since XX/XX/2019. I've been through 2 and now I'm on my 3rd processor. I was told that this person is a supervisor. I've had my credit pull 3 times I had the appraisal done this year and I hope it's still valid because I don't want to pay or go through that process again. I've been to the branches, sent numerous emails and made as many phone calls. I understand that there is a global pandemic but, my point to them was this process was started XX/XX/2019. If this was done promptly then it wouldn't have been a problem. What can you do to help me? To the best of my knowledge I've been in the final stages for months. I was told to choose an escrow company and I did but, neither them no I know what's going on. Take a look at the screen shots that I've uploaded and you can see that I've provided everything they've asked for in XXXX.

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