BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-04
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 asked equifax to inform me on the methods that they used to validate a collection on my credit report from XXXX XXXX XXXX. I also asked them to give me the information of anyone they have contacted at the collection agency to validate my debt. In the letter i stated that " Any automated response, or XXXX verification is unacceptable. I am requesting a re-investigation AND your method of verification '' but I still believe that I received an automated response. Equifax also didn't produce any documentation proving that I indeed owed the debt. 

The debt was also removed from my account previously and then reinserted in XX/XX/2017 and I did not receive a written notice within 5 days of them reinserting the debt onto my credit file. I believe this is a direct violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After reviewing my credit report, I spotted some inaccurate late payment accounts that need reporting and correction through your company. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.

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 2019-01-04
Company: NAVY FEDERAL CREDIT UNION
State: SC
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:
Navy Federal overdrafted my checking account to pay my credit card bill without my permission. Then closed the account. The amount is {$12.00}. I don't have a problem paying the {$12.00}, but I never authorized that payment and others they took. This is a financial crime that needs to be investigated. It happened in XX/XX/2018. I'm not sure of the month. When I called they tried to get me over to a collection agent and I tried to explain what happened and they continuously tried to collect the {$12.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX need to remove XXXX payments from XXXX account XX/XX/23 XX/XX/23 XX/XX/23 ( XXXX XXXX XXXX ) XXXX showing proof each payments was made on time

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 2023-07-01
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I took out two loans from New York State Higher Education Services Corporation ( HESC ), one for the school year XXXX, one for the school year XXXX. I was allowed a forbearance for both loans for several years. When the loans came due, I contacted an HESC representative to arrange monthly payments. At no point did this loan servicer inform me that I had any alternative other than a payment that was close to half of my entire monthly income. I felt as if I was being pressured by a debt collector, not a loan servicer, and it scared me. There was absolutely no mention of any income driven plans to stay out of default. At that time I didn't know that an income-driven payment plan was an option at all. 

I could not afford the payment so I went into default. HESC moved quickly to get whatever money they could. They employed a debt collector ( Performant ) and pursued every legal angle. They took several tax returns. They took several partial payments from me from XXXX to XXXX with no accounting of them. Then they started to garnish my paycheck. At no point in my dealings with HESC was I offered an income-driven plan. 

I have since learned how to move my loans away from them, and am relieved to never have to deal with them again, but I argue that much of this debt would be paid off, and, quite frankly, I would have never gone into default in the first place, if HESC had informed me of my repayment options.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Experian Information Solutions Inc.
State: GA
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 recently reviewed my Experian profile and found a hard inquiry from a "non-account" holding creditor named XXXX XXXX and XXXX XXXX XXXX on XX/XX/2018.I've never gave permissable purpose thru verbal or written authorization to view my credit profile. This may be a case of predatory tactics often used by some auto dealers but without the consumers authorization. I've never received any type of confirming denial or approval of any loan I allegedly applied for with this company.I wrote a letter to dispute the inquiry and requested proof from Experian & XXXX XXXX of authorization by me or delete from my Experian credit profile immediately! This hard inquiry is suppressing my credit score.I have attached images of the letter I sent XX/XX/2018

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 2023-12-11
Company: EQUIFAX, 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:
I am writing to formally attest that I am a XXXX XXXX XXXXXXXX XXXX XXXX XXXX, as defined under section 605C of the Fair Credit Reporting Act ( FCRA ). I kindly request your assistance in complying with the legal obligations outlined in the FCRA to ensure the protection of my rights as a XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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'm very outraged that you put the following details in my consumer report and that you didn't follow acceptable operating standards to ensure the highest level of accuracy in the credit reports you publish. Credit reporting laws make guarantee that bureaus and organizations only publish credit data that is entirely accurate. To ensure that the information given is entirely true and correct, every precaution must be taken. I am receiving treatment that is unjust and unfair. And they have taken on a significant role in my life and, through a false consumer report, have seriously harmed my future. Therefore, I'm emphasizing their need to act fairly, impartially, and with respect for all consumers ' rights to privacy. And the data breach that occurred where my information was mishandled I would like these removed urgently or I will take further action to get the results I demend.

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 2022-09-07
Company: Experian Information Solutions Inc.
State: NV
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 requested the credit bureaus ( Experian, XXXX and XXXX ) to do a verification of everything on my credit report. They did so and stated that all information was accurate. I then did a thorough research myself and discovered quite a few improper inaccuracies on my credit report, even after the credit bureau 's completed their investigation. 

I have been disputing with XXXX, XXXX, and Experian about the negative accounts on my report. Some are not mine, some are reporting wrong or without creditor information, and some are refreshing to try to stay on my report. There are also incorrect addresses listed that I have tried to get fixed, unsuccessfully. I mailed my first letter in XXXX letting the bureaus know that I have done my research and that I know the law. Even with Covid-19 the bureaus still have 30 days to respond to my free disputes. I know there might be a delay and I even tried to give them the benefit of the doubt for that. The following accounts are still reporting incorrectly on my report : XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX even sent my letters certified because I needed to know if they were getting my letters in the first place. These are the most recent tracking numbers from XXXX ( XXXX : XXXX, Experian : XXXX, XXXX : XXXX ). I also sent each credit bureaua police report and a copy of both my drivers licence and social securitycard, each with my signature. It has been months without receiving a response. This is unacceptable. This is my life that Experian, XXXX, and XXXX are disregarding. Each credit bureau has also been involved in a data breach which I have also been impacted by. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX Bank, Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, 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 company can not furnish an account my without my instructions or consent.

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 2019-01-04
Company: United PanAm Financial Corp.
State: GA
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 recently reviewed my XXXX  profile and found a hard inquiry from a "non-account" holding creditor named XXXX  XXXX  and XXXX XXXX XXXX on XX/XX/2018.
I've never gave permissable purpose thru verbal or written authorization to view my credit profile. This may be a case of predatory tactics often used by some auto dealers but without the consumers authorization. I've never received any type of confirming denial or approval of any loan I allegedly applied for with this company.
I wrote a letter to dispute the inquiry and requested proof from XXXX  & XXXX XXXX  of authorization by me or delete from my XXXX  credit profile immediately! This hard inquiry is suppressing my credit score.
I have attached images of the letter I sent XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23
Company: TRUIST FINANCIAL CORPORATION
State: NY
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:
I have inquiries on my credit report I have no knowledge of.

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 2023-11-07
Company: BERKSHIRE HILLS BANCORP, INC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Berkshire Banks Collections department to request that they contact me to work out a satisfactory solution regarding the charged off account from XX/XX/XXXX on XXXX separate occasions. 
o XX/XX/XXXX Told the collections team would call in the afternoon of XX/XX/XXXX. 
o XX/XX/XXXX Told the collections team would return the call in XXXX mins. 
o XX/XX/XXXX Told the collections team would call back later. 
Berkshire Banks Collections department refuses to accept a transfer of the phone call when asked to speak with that department. 
Berkshire Banks Collections department refuses to return my phone calls after stating that they will do so. 
The loan was charged off in XX/XX/XXXX. The balance was not reported to XXXX. 
After the loan was charged off, the vehicle was sold. 
The amount the vehicle was sold for was not reported to XXXX. 
The balance amount reported to XXXX in XXXX of XXXX was {$16000.00}. 
The balance was subsequently increased monthly until the current balance of {$18000.00}. 
The balance amount should never have increased once the loan was charged off in XXXX of XXXX. 
Berkshire Bank continues to report missed payments despite not having a payment plan in 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 2023-10-16
Company: NEW YORK COMMUNITY BANCORP INC
State: VA
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: Problem with personal statement of dispute

Complaint:
Hello, Thank you for considering my request for assistance. The Flagstar Bank took over our mortgage loan as a new servicer on XX/XX/2023, but never contacted us ( three family members on the joint loan account ). As a result, the payments have been delayed since XX/XX/2023. On Sunday, XX/XX/2023, after receiving alerts from credit reporting agencies that our scores had dropped from excellent to poor, we became aware of the new loan servicer, Flagstar, and the overdue payment. We immediately took action to connect with Flagstar and have paid the entire overdue sum. After speaking to six representatives, one of them realized and admitted that all communication attempts had failed, and the letters were returned to Flagstar because they did not have the apartment number included when mailing us. Flagstar representative also listed to us unknown phone numbers they used to try calling. We corrected all information for Flagstar, set up new auto payments, and asked that they remove the late payment mark from our credit reports. They declined this request. I hope that we can get you help with this matter. Our credit histories speak for us, and the burden of having this late payment stain on our credit report for many years to come turns our lives upside down. We feel that we have done everything in our power to rectify this issue, but Flagstar remains numb to our plea.

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 2019-01-04
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:
There are several accounts reporting on my credit file that do not belong to me. The following accounts are not mine:XXXX XXXX - XXXXXXXX - XXXXXXXX  - XXXX and XXXXXXXX XXXX - XXXX and Equifax XXXX - XXXXThese accounts are a result of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: T.S. Holdings
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IQ Data International is falsely reporting ( to all three credit reporting agencies ) a debt that is not owed and attempting to collect that debt. Their client ( XXXX XXXX ) has written a letter, on XXXX 's letterhead, noting they have no record of such debt. I sent a request for validation, and it was received by IQ Data Int. on XX/XX/XXXX, and a copy of the XXXX letter was sent along with that ( and again on XX/XX/XXXX ). IQ Data Int. has not provided any response to said letter to date. XXXX XXXX XXXX. confirms that they have no, and have not asked for from their client, any documents that would validate this debt ; rather, computerized communication is used to " validate the debt ''. Despite the letters and phone communication with IQ Data International, they refuse to make any effort to confirm the debt, beyond a computer survey, and hold no documents that verify that I am the intended debtor and/or that the debt is legal/owed in any way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NY
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:
I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX 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 2022-06-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I have deposited the check with Wells Fargo Bank in the amount of {$4700.00} on XX/XX/22 to the second alternative account I opened around XX/XX/22. Prior to this check deposit I also deposited cash to the same account. A few days later I received the letter stating that the check 's full balance will be available to me only XX/XX/22 citing " new account ''. On XX/XX/22 I immediately called Wells Fargo saying that there is no fraud or falsehood involved since I had already deposited a hefty cash sum to the same account and demanded the release of my money before XXXX-I connected my credit cards for the scheduled auto pay. The complaint was logged, but the deposit remained frozen. On XX/XX/22 I called Wells Fargo again asking to release my funds. I was connected to the escalated service department, to the agent by the name of XXXX. That said XXXX refused to provide his identification number and said that this is the bank 's usual practice to hold money for the so called " new account ' for more than 6 business days and hung up on me! In fact Wells Fargo has been holding my money for eight ( 8 ) business days!!!! Please take into consideration that the officer who opened my account did NOT say anything about these restrictions of a " new account ''. Wells Fargo put me in this frustratingly absurd situation where I should ask for my own money to be available to me?! And meanwhile should I suspect Wells Fargo using my money for its own 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 2019-07-02
Company: MoneyLion Inc.
State: VA
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:
Money lion inc has been reporting delinquent payments months after the late payments. 
I fully paid off the loan on XX/XX/2019 and they are showing the account still past due to this day XX/XX/2019 and reported missed payments on XX/XX/XXXX and XX/XX/XXXX which caused my credit score to decrease significantly. This seems very unfair to me until I paid the account off the late payments were never reported. 
I contacted money lions support team and they stated that the system does this automatically and they have no control over the reporting nor would they attempt to help me. I asked to speak to the supervisor and never connected to them, and was told the supervisor would do nothing for me. 
They stated they can do nothing on their end and I would need to dispute this via XXXX  or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NV
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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