BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: NY
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I sent a letter out on XX/XX/2022 to XXXX, transunion, and XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code $ 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talk to. 

How did they complete this investigation

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 2023-03-21
Company: Experian Information Solutions Inc.
State: NV
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 ACQUIRED MY CREDIT REPORT AND ASKED BUREAUS TO CHECK AND MAKE SURE EVERYTHING WAS COMPLETE AND ACCURATE ACCORDING TO 15 USC 1681 i ( 5 ) I WAITED 30 DAYS AND RECEIVED MY INVESTIGATION AND NOTICE EVERYTHING WAS STILL THE SAME. THE CONSUMER REPORTING AGENCIES WHICH IS XXXX, EXPERIAN XXXX DID NOT MODIFY OR REMOVED ANYTHING. 
THE DATE OPEN IS NOT CORRECT, DATE LAST ACTIVE ISS NOT CORRECT ON ALL THREE CREDIT REPORTS, DATE OF LAST PAYMENT IS NOT CORRECT ON THR THREE CREDIT REPOTS. 
WHICH IS A VIOLATION. THIS IS IMPACTING ME FROM MOVING FORWARD TO BUYING A HOUSE FOR MY FAMILY. 
I ATTCH MY PREIOUS CREDIT REPORT TO SHOW HOW EXPERIAN, XXXX, XXXX VIOLATED MY RIGHTS.

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 2023-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
{$15000.00} was deposited to Bank of America on XX/XX/XXXX and they ( understandably ) placed a hold on the amount. However, the funds cleared the originating bank on XX/XX/XXXX, and they refuse to release my deposit until XX/XX/XXXX, costing me interest in paying off my credit card bill while scamming interest from the money I deposited. Had I known, I could have XXXX the amount which would have been immediately available.

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 2022-10-31
Company: Resurgent Capital Services L.P.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
An account was fraudulently opened using my first name, a different last name ( XXXX ) and my Social Security number with XXXX XXXX Bank in XXXX. The address on the account was in Indiana. I live in California. The account was originally sent to collections with XXXX XXXX XXXX. They filed a claim with the XXXX XXXX XXXX XXXX in Indiana. I never received notification of the debt or court case. 

Since I was not properly served or notified, and was not able to dispute the debt, a judgement was placed against me, and my wages were garnished. Once I received notification of the garnishment, I disputed the account with XXXX XXXX. They stopped the garnishment process. 

In XXXX of XXXX, I was notified by my employer that my wages were to be garnished again for this same debt. I contacted the current collection agency, LVNV Funding and the attorney from XXXX and XXXX to notify them the account was fraudulent. The funds that were garnished in XXXX have been refunded and paid back via my payroll check. At the request of LVNV Funding, I sent a copy of a police report that was filed, along with a fraud affidavit to their office to have the debt be recognized as identity theft. This request was denied by LVNV because there were payments on the account, and there was a court order for the garnishment. 

1. The payments made on the account where the result of the garnishment. I did not willingly make a payment and have never accepted responsibility for the debt.

2. The judgment was made by the court because I was not properly served and did not have the opportunity to present any evidence that the debt was not mine 3. The name on the account does not belong to me. I have never gone by the name of XXXX XXXX. 

4. I have never lived at the address on the fraudulent account. 

5. Documents supporting these claims have been sent to XXXX as the account administrator for LVNV Funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: NY
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:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

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 2023-05-03
Company: ALLY FINANCIAL 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:
XXXX is allowing Ally to falsely report my account as 30 days late when I paid on the 29th day. I disputed this two times now and they continue to list my XX/XX/2023 payment as 30 days late on my credit report harming my credit score. I paid XXXX the same way and it has been reported paid as agreed. Below you will find the exact copy from the emails I received from Ally. 

" Auto account ending in : XXXX XXXX Your payment is now 27 days past due. To avoid negatively impacting your credit, log in or call us at XXXX to make your payment or view other payment options. '' " You successfully scheduled your Ally Financial payment XXXX Auto account ending in : XXXX Payment amount : {$790.00} Confirmation number : XXXX Payment frequency : One-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 2021-11-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Account that is still reporting on my Credit Reports and need to UPDATE completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} Date OpenedXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Nelnet, 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: Report provided to employer without your written authorization

Complaint:
This organization is in violation of XXXX5 USC 169XXXX XXXX XXXX 

Repeatedly request that organization to remove this alleged debt from my credit report. I the consumer can not be denied an extension of my own credit. 

This organization is in violation of Furnishing certain deceptive forms. 

15 USC 1692 ( j ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

The false representation or implication that documents are legal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: OH
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:
Experian XXXX XXXX XXXX expects me to pay them to bring my report up to date regarding the XXXX XXXXXXXX XXXX loan that was paid off in XX/XX/2022 - XXXX XXXX has then sent me the Title and confirmation the contract is now paid in full. 

However Experian here in XXXX is stating i have a unpaid balance which is not true! 
They have on their site XXXX and XXXX showing the account may be closed but a balance of {$4000.00} is remaining which is not true. 

The remaining balance at the time of pay off was XXXX  I sent them a electronic check way more than required to cover all expenses which closed and marked as paid! 

Look XXXX likes to XXXX people over, IRS already pulled that XXXX but this vureau is not XXXX and they've caused me so much trouble with lies and manipulation, if i could id love to have my name wiped off their data base. 
I have a stand alone sign in with XXXX, their site shows account PAID, CLOSED AND {$0.00} BALANCE, As for XXXX, I cant access anything singly.

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 2018-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XX/XX/XXXX, I filed for Chapter XXXX Bankruptcy and Discharged on XX/XX/XXXX. The main reason to filed for Chapter XXXX Bankruptcy was due to XXXX XXXX XXXX refusal to Modify my Home Mortgage. 

During the initial Chapter XXXX Bankruptcy procedures all payments stopped. The court and/or XXXX XXXX XXXX  assigned XXXX XXXX XXXX to serve my mortgage Loan Mortgage Number : XXXX. 

According to the 3 major credit bureaus, my credit reports indicate MORE than 120 days late payments. Of course affecting my FICO Scores tremendously. I am dealing with this issue since XX/XX/XXXX to  present. 

- I have explained my concerns and offered my criteria to XXXX. XXXX, did not believe it and declined my claims. 

- Also, I have disputed online, in writing and by phone the 120 days late payments report to the 3 major credit bureaus. The replies and/or explanation are difficult to understand and seems they are not personalized. NO CHANGES. 

- Personally, I have contacted by phone many times XXXX XXXX XXXX in XXXX XXXX, Florida. No changes in their belief system and procedures. 

- I am currently paying " XXXX XXXX '' a monthly and expensive fee to help me clearing the 120 days late payments and any other " delinquencies '' as legally possible. After few tries, no success with XXXX and either the 3 credit bureaus. 

Although, that Chapter XXXX Bankruptcy was officially Discharged on XX/XX/XXXX, still the " delinquencies '' that motivated the bankruptcy are reported and present in my 3 credit reports. 

My numerous requests to clear and update my credit reports have been disregarded. 

Please advise. 

Thank you very much. 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 2023-11-24
Company: EQUIFAX, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name and social security number is associated with different addresses and phone numbers and email addresses.and would like them removed and updated.and not to be associated or confused with any other address, then on my drivers license

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have submitted twice to Experian to have a closed XXXX XXXX account updated to show it closed in XX/XX/2018. Both times they updated it to show charged off at a later date. This account should show closed and no further activity after XX/XX/2018 when it was paid in full and closed. Experian has failed to update this account properly and continues to make errors on my 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
Consumer complaint received 2018-08-11
Company: Bridgecrest Acceptance Corporation
State: MD
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 purchased a car from XXXX and it was financed by XXXX XXXX -- now Bridgecrest. 

XXXX never took the first $ XXXX from my account and without telling me decided to mark my car to be repossessed. ( after having paid all of my bridgecrest payments for 6 months ) In addition to totally being inaccessible, they refused to accept my $ XXXX once I found this out. Never delivered my registration and reported on behalf of bridgecrest on my credit report that I was late on payment ( which I was definitively NOT apart of the loan for bridecrest that they falsely reported on ). XXXX removed this after a dispute was initiated. But XXXX still intends to take my car as a repossession. I even offered to give them back the car if they agreed to not write anything further derogatory on my credit report and they have flatly ignored my offer. 

Such XXXX and am out thousands of dollars because they refuse to accept my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: TX
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 accordence with the fair credit reporting act XXXX Account # XXXX... And 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 2023-11-24
Company: EQUIFAX, INC.
State: CT
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:
When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : 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 2023-05-07
Company: Bridgecrest Acceptance Corporation
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/2023 I was forced out of my home making me and my wife officially homeless. I was having so many issues with my money that I emailed them and told them. I also told them my phones at the time had been turned off and the only way to get ahold of me was email. They completely ignored that and I imagine kept trying to call me. On my wifes birthday without any notice with everything we own in that car. Keeping in mind that we are homeless they repossessed our car. They didnt even try to work with us even though they swear up and down that they did again I am guessing by phone which wasnt working. Now they tell me a XXXX Veteran that I have to figure out how to get my stuff. If they said oh hey I am going to repossess your car I would have gladly have gotten my stuff out of that car. We had no warning. I just want my stuff I dont want anything else from them. I have no way and no money to get it myself. Then when you call and talk to these people they are so unprofessional that a person ends up losing themselves and cursing them out. I normally do not do that when conducting business. These people bring the worst out in people. Nobody should be doing business with these people. They shouldnt even be in business anymore.

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 2023-11-22
Company: WSFS FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The. Collection tactics used by the XXXX XXXX XXXX XXXX XXXX and its servicer XXXX XXXX XXXX included an action in court to have a signature of my daughter affixed because it was not notarized on a document from 2005 and a concurrent foreclosure warning asking me to submit information when said action could not be pursued and was sent to harass me when the 2005 HELOC contract action is known to be time barred. These tactics are in violation of federal regulations protecting consumers from being harassed by collections agents.

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