BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX, AND TRANSUNION ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS : Accounts : XXXX XXXX  Account number XXXX Date Opened - XX/XX/2016 Account Type - Personal Loan   Balance - {$9300.00}. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX PLEASE REMOVE THE LISTED ACCOUNTS AND BLOCK FROM FROM CREDIT REPORT. ACCOUNTS ARE FRAUDULENT AND UNVERIFIABLE.

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 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am extremely frustrated with XXXX, XXXX, and TransUnion, the credit bureaus. Over the past year, I have sent multiple letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, informing them of inaccuracies on my credit report. However, they have not responded to my requests or taken any steps to ensure that my credit report is accurate. I have submitted copies of the letters I sent regarding the issue. I demand that XXXX, TransUnion, and XXXX remove the incorrect details from my credit report, as they have violated my consumer rights. Their lack of prompt response and provision of imprecise information is a significant error on their part.

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 2022-12-06
Company: EQUIFAX, 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:
XXXX XXXX is providing information pertaining to the identity theft that took place with my information. This company was presented with several police reports as well as identity theft affidavit report, federal trade commission report and now they report with the consumer financial protection bureau. 

Upon contacting the three major credit reporting agencies, I discovered that two of the three credit Reporting agencies did not investigate the information based on the fact that they thought it was a duplicate request. The documentation was presented with shows it was not a duplicate request and that it shouldve been processed immediately upon the consumers request to do so.

By failing to properly investigate this fraudulent item for the consumers request, this company violated the fair credit reporting act as well as the fair debit collection practices act. Failure to you processes investigation, has left the customer without any means of using their credit to take the services for their family. This negative item has impacted the consumer financially.

Furthermore, I also fear that this company has violated state and local laws. Upon receiving that information and their negligence to process the investigation, his company did indeed go in a different direction. They found a judgment on an account that they know was being disputed as I didnt either in an attempt to deprive the consumer of their money knowing that it will be a long drawn out process for the customer to receive any funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 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 2023-07-20
Company: National Credit Adjusters, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX I sent a Debt Validation Letter to XXXX XXXX and they responded that it was sold XX/XX/2023. This account is not mine. XXXX XXXX removed the account off all credit reports but sold it to National Credit Adjusters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: MS
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 DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! XXXX XXXX XX/XX/2020, 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
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 checked my credit report and I noticed some unauthorized inquiries on my credit report I proceeded to contact the credit reporting agency but they did not remove the unathorized inquiries.

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 2018-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2018 XXXX dollars XX/XX/XXXX, I was going to buy a item. Later, one man named XXXX XXXX added my social media account. He said he have the item. He wants to transfer money by XXXX. I said OK. That's fine. Then I transferred XXXX dollars to him. His email address is XXXX. I realized I was scammed by him after two hours later because he didn't reply me anymore.

This morning, I called Bank Of America. The officer just told me they can do nothing even though the order is still in processing. They suggested me to call the police. I'm a XXXX of University XXXX XXXX. XXXX XXXX dollars is a huge amount of money to me. I need to work a lot to earn XXXX dollars. I will suffer financial difficulty if I can't get the money back. Please help me!!!

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 2023-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Cap One is refusing to close the XXXX  checking account I have with my XXXX, and they are refusing to return the balance on the account to me. 

On XX/XX/XXXX, the account was compromised via a mobile app hack, a fake check was deposited, and Cap One placed a lock on the account. 
On XX/XX/XXXX, I called Cap One to resolve the issue and spent XXXX minutes on the phone with them before I had to hang up and return to work. The issue was not resolved. 
On XX/XX/XXXX, I spent XXXX minutes on the phone with Cap One. The Cap One agent refused to close the compromised account unless I'd allow him to interrogate my XXXX  child. As the accountholder on the account, and the guardian of my XXXX  child, I refused to allow him to interrogate my XXXX  child, but offered him my full support. The was unable to offer me any proof that me or my XXXX  were involved in the XX/XX/XXXX fraud. The agent refused to close the account and refused to refund my XXXX XXXX savings. 

Please help me close this compromised account and get my XXXX XXXX money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
When I assessed my credit report via Identity XXXX on XX/XX/22, it was noted that according to XXXX, Equifax, and XXXX, the United States Bankruptcy Court XXXX XXXX of Virginia reported bankruptcy. 

I mailed a letter to the Bankruptcy Court to validate the account. It was verified by the Bankruptcy Court in a document dated XX/XX/22 that " The Bankruptcy Court does not furnish any information to the credit bureaus, as we do not have any jurisdiction over credit reports. Each credit reporting agency conducts their own research and report their findings. If there are any discrepancies showing on your report, you will need to contact that credit reporting agency and discuss the matter with them, as it will be up to that agency to update their records and to remove any information, if need be, from your report ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX   XXXX  is reporting late payments to all  XXXX  credit bureaus for  XXXX . During this time i was going through loan modification due to a financial hardship.  XXXX  took about 6 months to complete the process. These late payments should not be reported they are negatively impacting my credit profile and my ability to qualify for programs and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I 've been working to pay off my student loans over the last two months and twice I submitted payments that were applied incorrectly and on XXXX of the payments they tried to short me {$1000.00}. They were unreceptive to my complaints regarding the incorrect payments both times and even though I followed the website 's instructions to the letter, they still applied the payments incorrectly. I read in the XXXX about the lawsuit regarding Navient and I wanted to ensure my complaint was lodged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: FL
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax continues to report incorrect information regarding XXXX on my credit report. According to the FCRA when I dispute anything, it's supposed to be removed. They NEVER remove what I am disputing and in fact are reporting incorrect information. They also stated they have conducted an investigation but has failed to produce anything with my signature or anything stating this account is a loan when it is NOT. I want this account removed from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: Security National Financial Corp
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
I am a XXXX veteran and my husband I recently purchased a new construction home using XXXX VA loan. The selling price was $ XXXX. At the time of appraisal, our home was appraised for $ XXXX. As a result, we requested a reconsideration on XXXX XXXX, using more accurate and up to date comps that the initial XXXX did not use. 

In addition, our loan processor changed companies so we were assigned a new POC on XXXX XXXX and again on XXXX XXXX when our closing date was set for XXXX XX/XX/XXXX. It was very difficult to get in touch with any of the new POCs which was a huge concern due to the timeliness of our reconsideration request with the VA and upcoming closing date. Several emails were sent to the lender and their responses were vague and left us feeling like our request to the VA was lost and would not be included in the final closing estimates due to nobody being able to provide any info as to how long the process would take to hear back from the VA other than its not a quick process. 

On the morning of our closing we were told the VA process would take forever and that it is not a quick process so based on that information from the mortgage company, we kept the same closing date. 

Our reconsideration ( ROV ) request was approved by the VA to increase the value of our new home on the same day as our closing. As a result, it would eliminate the need for us to pay the $ XXXX difference of the selling price. The lender stated in order to resolve this issue, they would need to collect all funds from all parties ( builder, both agents and us as the buyer ) in order to give us our money back. The only challenge seems to be the builder who is unable to return those funds due to subsequent transactions. 

All parties have agreed to sign any documentation required to resolve this issue on our behalf, but the lender ( Security National Mortgage ) is being very difficult requiring the entire wire amount to be returned in order to redistribute funds that would include our $ XXXX. 

Since a way to resolve this issue is completely out of our hands, we are not able to get our $ XXXX back. The only people that lose in this deal is us as the veteran and the buyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have a student loans from XXXX unfortunately i have a XXXX  XXXX and therefore my student loans was discharged by bank, i have received from XXXX XXXX  a proof of a letter that loans was discharged and no obligation to repay the loans. But unfortunately all three credit companies ( Transunion, XXXX  and XXXX  ) keeps an amount of {$26000.00} and {$25000.00} on my Credit Reports as a Balance. i was trying to Dispute on their websites a few times on XX/XX/XXXX but always appear a message " '' We encountered an error when trying to access your credit history report '' '' '' '' Because loans was XXXX XXXXe balance on my credit report account has to be XXXX and account should be closed. with out this my credit report in very low level, i am unable to rent any apartment for living.

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 2023-05-24
Company: EQUIFAX, INC.
State: MI
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:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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,XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: NEW CITY FUNDING CORP.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I suffer from XXXX XXXX XXXX XXXXXXXX and XXXX as well as XXXX XXXX XXXX which is greatly agitated by stress. I have reached out to lender to explain to them that once the funds are available I will make a payment. They requested that I reach out to them and I have reached out to them to request that they no do not call me. The individual that I spoke with states that he would not be able to comply with that request as I owe them money. I explained to him that I did not say that I don't owe the money however, would rather not to be contact as I will reach out to him when funds were available. Lender states that he does not have to comply with my request as he is not a collection agency. Although correspondence states otherwise. Unwarranted calls are detrimental to my mental health. Representative that I spoke with on the phones states that he does not have to comply with my request as I owe them money. I explained that I did contact them to inform them that I would make the payment, already and is not necessary for them to call as I will reach out to them when funds were available. 
XXXX XXXX Legal Collector Legal Department New City Funding Corp . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: IL
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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation