BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or amend the following inaccurate items 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: LEXISNEXIS
State: NC
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 been trying for months to resolve the issue of an inaccurate item on my credit file with XXXX. Each time I have disputed the item, they claim to have verified it with their Public Records provider, Lexis Nexis. Lexis Nexis has consistently claimed that they have deleted the item from their files and have claimed to have taken steps to have the item removed from the files of the three main CRAs. However, even though in the last complaint response regarding my complaint to you about Lexis Nexis, they stated clearly that they were investigating and would contact the CRAs and advise me of their findings, clearly, they have not done so. This is obvious from the attached excerpt from XXXX 's response to my XX/XX/XXXX dispute, which was just posted on this portal, as they apparently have once again confirmed the item to XXXX ( please note the highlighted text ), contrary to what they have claimed to have been doing. I have sent Lexis Nexis several requests to send a clear directive to XXXX to remove the item, but they have not responded to me and obviously have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: CITIBANK, N.A.
State: CA
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:
I received a recorded message on XXXX day that an unauthorized check was being cased on my account. I was unable to reach anyone at Citibank because they were closed for XXXX day ( XX/XX/XXXX ). When I was able to get into the bank they credited me for that particular check in the amount of {$3900.00} and advised me to carefully look through my statements for other questionable checks. When I did this I reported 3 additional checks which were obviously forged. I was told to wait for Citibank to send me a Statement of Unauthorized Use for claims of Forgery, Alteration, etc. After that form arrived a couple of weeks later I immediately completed and returned it. Several weeks later on XX/XX/XXXX I received a letter that my claim was denied, even though the fraud/forgery was clear. 
When I first submitted a complaint Citibank claimed that they did not recognize me as their customer or their customer 's authroized representative. Really?

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 2023-09-05
Company: EQUIFAX, INC.
State: CO
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 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 non-monetary relief
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with XXXX  statues. Please remove the following accounts completely from my credit reports.Inaccurate 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 non-monetary relief
Consumer complaint received 2023-09-30
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loans are with Mohela. I have over XXXX qualifying payments for XXXX forgiveness on XXXX loans. Over the past XXXX months, I have repeatedly requested to move my loans into an active status, so they may be processed for forgiveness. This is important and time-sensitive, as the interest accrues over XXXX a month to my balance.

Three times now, without any request or authorization, Mohela has continued to place my loans into forbearance and deferment. The only way I know this is that they follow up with a letter saying, " Your request for -- - has been processed '' - Yet I have NEVER made such a request. In fact, I have now sent THREE letters and countless phone calls asking them to stop this unauthorized action.

I feel this is a deceptive practice to intentionally delay the processing of my XXXX and continue to increase my balance through interest accumulation. I have documentation to demonstrate each time they have done this and documentation of me repeatedly asking them to stop taking liberty of placing my loans into forbearance or deferment. I have repeatedly clarified that I do not want this and it is being done against my will. I have been making payments on my remaining loans through the SAVE plan, yet my interest just accrued XXXX to my balance- which Mohela previously told me would not happen. 

I am beyond frustrated with this process and the time spent attempting to communicate with this loan company. I feel someone needs to examine their practices that are delaying earned loan forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Td Bank has a bump rate savings account with a 4 % interest rate with a linked account. I had 2 other accounts one being a checking and the other a mortgage. When I made a deposit, a TD employee linked my savings account to my mortgage with out my knowledge. When the mortgage account was closed, it dropped to a low interest rate for the term which I was not aware of as the account wasnt linked. When I discovered this I spoke with the bank and they said they would fix the issue and credit the interest it should of had as I had an active checking as well at the time and during the interest period. They are now refusing to credit the interest even though it was their employee that linked the account in error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-23
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a credit card XXXX XXXX  and multiple hard inquirys on my credit report that doesnt belong to me I need them remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: MOHELA
State: VA
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:
On XX/XX/22 I requested a refund from MOHELA on all payments made during the COVID payment pause. The total amount owed was originally {$1500.00}. After weeks of conflicting customer service information and misleading timelines I filed a CFPB complaint ( case number XXXX ). In XXXX a refund for {$260.00} was received ( and added to my balance ) however customer service representatives were unable to explain why I had not received my full refund. MOHELAs CFPB response did not address this difference despite it being outlined in my original request. Attached is a record of payments made during XXXX to XXXX, my original servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove 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 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 non-monetary relief
Consumer complaint received 2023-09-05
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 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 2023-01-16
Company: U.S. Auto Credit Corporation
State: MD
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: Problem with personal statement of dispute

Complaint:
Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Maryland XXXX. 



Subject : CHARGE-OFF DISPUTE Account : US Auto Credit To Whom It May Concern, Going over my credit reports ), I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. See. Account Above Please supply the information below because I believe that your firm handling of my payment and account information has been negligent and in violation of the Fair and Accurate Credit Transactions Act of 2003 ( 15 U.S.C. chapter. 41, subchapter. I 1601 et seq ).

1. Provide verification and documentation that there is a valid basis for your firm 's charge-off of the alleged debt. Please provide a copy of the written agreement ( bearing my signature ) that created the requirement to pay and stipulates your terms for a delinquent account ; 2. Provide a copy of the last billing statement sent at the time of the transfer or allocation of the goods, services, or money associated with the alleged debt ; 3. State the maximum delinquency and when it was charged-off ; 4. Provide according to your records when this alleged debt became due and when it became delinquent. Please provide the five personal identifiers associated with this account including full legal name, address of record, date of birth, zip code and Social Security Number ( not truncated ) ; 5. Identify the date of the last payment made on this account and the amount of that payment ; 6. Provide how you made a determination that this alleged debt is within the statute of limitations applicable to it. Provide when you think the statute of limitations expires for this debt, and how you determined that ; 7. Describe in detail your firm 's charge-off procedures as they apply under the Sarbanes-Oxley Act of 2002 ( Pub.L. 107-204, 116 Stat. 74 ) ; 8. Provide an itemization showing the dates and amounts added to each billing statements ) ( an additional interest, fees, or charges ). In addition, explain how the added interest, fees, or other charges are expressly authorized by the consumer agreement creating the debt or are permitted by law ; 9. Provide an itemization showing the dates and amount of each reduction or payment that was accrued in your firm 's charge-off procedure ; 10. Provide an updated Terms of Service Agreement for this account including specific amended sections and why those sections were changed ; 11. Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to XXXX compliance between your firm and your contracted reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Experian Information Solutions 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:
I have tried a countless amount of times to get through to the Bureaus that this account " XXXX XXXX XXXX  '' does NOT belong to me. They have claimed to verify it, however ; when I submit supporting detail to prove that I am NOT the rightful owner of this account as well as request their methods of verification they completely ignore my request. I know that it is a direct violation of my consumer rights to report false information but also to ignore a request for methods of verification. 

I am taking my credit very seriously and the severity of the mistakes being made by these companies is getting worse and impacting me by the day! Something needs to be done about this because they show no concern for the legitimacy of my report and they are legally required to do so! 

I have not received a response even after submitting proof on several occasions. XXXX is the only Bureau that did the right thing by removing this unverifiable account. I am still curious to know how the other Bureaus could verify an account if XXXX could not.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: TX
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 2023-09-05
Company: EQUIFAX, INC.
State: IL
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 requested on 2 different occasions that the late payments reporting to my consumer report, be deleted from my consumer report, or delete the accounts all together. 
15 US CODE 1681e ( b ) - The Fair Credit Reporting states that Transactions, experiences, authorizations, and approval of credit aren't included in your consumer report. 15 US CODE 1681a -Definitions- Rules of construction-paragraph 2 -- Exclusions -Paragraph ( a ) & ( I ). Exclusions- Except as provided in paragraph 3. The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer, and the person making the report. This law states that transactions are not included in your consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: JPMORGAN CHASE & CO.
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:
Chase Bank hired clearly international call center reps to call me regarding issues with my account. I repeatedly asked to speak with a US native or someone that could verify they were from my bank or country. The representatives repeatedly told me I would receive a call back when I placed my request. I never did. Every call I received was an XXXX sounding individual stating they are from Chase and requesting my social security number. No one in their right mind is giving their social out over the phone to someone from a call center, nonetheless outside of the US.

Given Chase used tactics that any reasonable individual would presume may potentially be fraud renders their " attempts to contact '' null and void. They may save on labor costs by outsourcing to a foreign country, but it undermines the validity of their process. Furthermore, when I requested information to verify they were from Chase, they could not provide any proof. When I asked for a call back from someone in the US or at a bank branch in my city or country, they never did. How would I ever presume there was an actual issue rather than a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: U.S. BANCORP
State: TN
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:
There are inquiries on my report from these companies that I do not recognize or have open or closed accounts with

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 2021-11-17
Company: Amcap Investments, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I bought a manufactured home from XXXX XXXX and AmCap is the lender. XXXX XXXX XXXX who did the foundation did not do the foundation per the HUD code. XXXX XXXX had the company XXXX come out and inspect the house and foundation and passed the inspection. Now the foundation does not follow HUD code for drainage, grading, skirting not bolted to the foundation. Water can not drain from under the house. Skirting is sitting on blocks not the foundation due to the foundation was not made big enough. After discussing this with XXXX XXXX with AmCap, AmCap decided to send the company XXXX out to do an inspection and the company XXXX failed the inspection due to drainage issues. ( See attachment below ). AmCap then told XXXX XXXX and XXXX  XXXX had their contractor come out and add sand to around the house and then they had it reinspected my XXXX  which again passed the inspection. The lender, AmCap, wants me to sign off on the loan accepting it how it is which does not follow hud code. I will attach pictures and emails.

Company response to consumer: Closed with explanation