BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: MO
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:
This is a follow up of the previous CFPB complaint I submitted to the Credit bureaus requesting the removal of the fraudulent accounts and information from my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information from my Credit File. I also sent another Dispute letter last XX/XX/XXXX, requesting that the Credit Bureaus remove the disputed accounts and information from my Credit File, My dispute letters has complete attachments of my personal information as well as the IDTHEFTREPORT I received from the FTC. I have been disputing for the removal of the fraudulent items and yet the Credit Bureaus have done nothing. Once again, I need the following accounts and information removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX A XXXX CT XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX A XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: NAVY FEDERAL CREDIT UNION
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2022 I contacted NAVY FEDERAL CREDIT UNION I requested that Navy federal credit union furnish me with a copy of a 1099-C for each of the following accounts that they have charged off. That is reporting on my credit report. 
ACCOUNT NO : XXXX, ACCOUNT NO : XXXX ACCOUNT NO : XXXX, and also ACCOUNT NO : XXXX. Pursuant to the Department of the Treasury Internal Revenue service instructions for forms 1099-A and 1099-C Acquisition or Abandonment of secured property and cancellation of debt. Form 1099-C must be filed regardless of whether the debtor is required to report the debt as income. 
As of todays date I received no reply from NAVY FEDERAL, IT HAS BEEN WELL OVER 45 DAYS. I am requesting that these accounts be deleted off my credit report because they have been charged off and Pursuant to 2022 publication from the Federal Government once a debt is charged off it becomes ordinary income, and because it is ordinary income it is not reported on the consumer report. I am requesting that Navy federal delete the accounts in question Per Federal law enclosed are the following documents proving that a DISPUTE WAS FILED WITH Navy Federal and sent certified mail and certified return receipt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: EQUIFAX, INC.
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:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I pay the full balance on my credit cards on time every month, but on XXXX XXXX, XXXX, I was late by a few hours from the cut-off time and paid the full balance, {$370.00} for BJ 's Perks XXXX  Mastercard by Comenity Bank XXXX XXXX pm on the due date. ( I had been scheduling the payment on my mobile phone that afternoon, my phone died before I completed the process and I couldn't charge the phone until I was back home later in the evening. I called the representative to explain the situation but could not have the prospective late fee waived because I had a previous late payment incident a few months before, unfortunately. All my other credit cards are always paid on time, but it just happened that I was in unfavorable situations on the payment dates for the BJ 's Mastercard two time that were quite close together. ) So the following month, the billing statement included a late fee and interest charge, for which I paid the full balance ( purchases XXXX + late fee 35 + interest charge XXXX = {$230.00} ) on time on XXXX XXXX. But again this month, I was surprised to find another interest charge ( {$5.00} ) in the billing statement ( due on XXXX. XXXX ). I called the credit card company to have the error rectified, but got an answer that it was NOT an error and it was due to the residual interest. I had never experienced a residual interest issue before. Is it legal to charge interest two months in a row when there was only one incident of late payment? 

The supervisor on the phone told me that I should have asked to pay off the interest IN ADVANCE over the phone when I was late in payment in order to avoid a residual interest charge. It still didn't make sense to me because what she refers to is the interest that was charged the first time. And if the residual interest was generated at all, it shouldn't have been as big as the initial interest charge, should it? How can the interest have accrued that much after I paid the full balance in XXXX and again in XXXX? When I talked to a second supervisor, he informed that the residual interest policy was newly implemented since XX/XX/XXXX, but when I checked my previous statements, nothing of that sort could be found for my first late payment which happened back in XXXX. I find Comenity Bank 's fee policy dubious and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
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:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My Experian Credit Report reflects multiple collection accounts for the same alleged debt. Derogatory marks include a collection from a XXXX, as well as 2 accounts for XXXX XXXX XXXX ( which I believe are duplicates again, like my XXXX XXXX duplicate accounts ). XXXX XXXX, The Bureaus AND XXXX are all reporting collections. XXXX credit card IS XXXX XXXX, XXXX, and not a separate account. This is causing 3 collection accounts o my credit report. I have also satisfied the balance with XXXX and therefore these 3 should be removed rom my account. I requested the Bureaus send me ALL documentation associated with this alleged debt, including all applications, and ALL statements from the original creditor, and all I received was one billing statement from the Bureaus. ( Nothing rom XXXX XXXX, XXXX. ). These debts need to be removed rom my credit report for all of the above stated reasons

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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 submitting this CFPB complaint as a follow up to the previous CFPB Complaint I have submitted to the Credit Bureaus requesting that the Credit Bureaus correct my Credit file from erroneous information by correcting or removing the disputed erroneous accounts from my Credit file. Under the Fair Credit Reporting Act, the Credit Bureaus are required to remove the disputed accounts within the time allowed by law. However, the Credit Bureaus have done nothing and even claimed that the Accounts have been verified. However, the Credit Reporting Agencies have failed to send me proof of verification from their alleged investigation. I am submitting this CFPB Complaint to the Credit Bureaus to remind them to correct my Credit File from erroneous reporting as soon as possible. Once again, I need the following accounts corrected and or removed as soon as possible : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}

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 2023-02-15
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX APT XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX ( Original XXXX : XXXX XXXX XXXXI ) XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$250.00} ; XXXX  XXXX Balance : {$3000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$670.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$680.00} ; XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX  XXXX Balance : {$990.00} ; XXXX ( Original Creditor : XXXX XXXX OF XXXX XXXX ) XXXX Balance : {$840.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I refinanced my loan from XXXX XXXX XXXX to Navy Federal Credit Union XX/XX/2022. XXXX wouldn't accept or lost the 10-day payoff paper check Navy Federal mailed to me to mail to them 2 separate times. Could not make contact with XXXX whether by phone or through the customer service messages on the app. Had to get Navy Federal to make contact and we did a three way phone call and we're able to get the 10-day payoff complete for the loan transfer. But since the payoff took longer then 10 days, XXXX said I still owed another {$500.00} in late interest payments. I had to pay this before they would send the title to Navy Federal. I paid this 3 months ago, and Navy Federal said they haven't received it still and had warned me that if they didn't receive the title they were going to raise my interest. I did everything I could, and now Navy Federal raised my interest from 7 % to 16.85 %. I have attempted to make contact with XXXX, but they do not answer, call back or reply to my messages. And I do not believe Navy Federal should raise my interest because they can not get the title.

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 2019-11-10
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX is on my collection report, stating that I owe them {$2500.00}, I tried explaining them that a family member was purchasing phones without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX XXXX  has violated my rights 15 usc section 602 A states I have a right to privacy 15 usc 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 explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: TX
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXXXXXX 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 2019-11-10
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit Bureau made aware I was a victim of identity theft of which the listed items reported may be a result. I have no knowledge of these accounts as they are listed with account numbers and I have never done business with CCS collection company. 

Desired Resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Financial Business and Consumer Solutions.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/22, I received a collections notice in the mail from FBCS. On XX/XX/22 I replied to the letter with a certified letter to FBCS ( Collection agency ) requesting a debt validation for a collections notice that I received for an electric bill on behalf of XXXX XXXX XXXX. I notified FBCS that this account does not belong to me nor have I ever conducted business or held an account with XXXX XXXX XXXX nor FBCS. I requested verification/validation of the alleged debt and specifically requested a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. FBCS did not provide the requested information. Instead they sent a response stating that I needed to complete identity theft and affidavit forms. FBCS did not comply with my request for debt validation which is a violation of the FDCPA. 
On XX/XX/22 at XXXX I spoke with XXXX XXXX XXXX XXXX XXXX ( original creditor ) to inquire about the collections notice that I received for a bill in the amount of {$260.00}. I explained to XXXX that the name on the letter is not my legal name and that this is not my bill. I also let her know that I have never lived at the alleged address that the bill is for, nor have I ever had an account with XXXX XXXX XXXX. XXXX confirmed that the social security number that is on file does not match mine and she confirmed that this is not my bill. XXXX stated that when the skip tracing was done that my contact information XXXX have mistakenly been mixed up with the person who the bill belongs to. I expressed my concern about receiving a collections notice and she told me to disregard the collections notice since the bill is not my bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00}.

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 2022-06-05
Company: EQUIFAX, INC.
State: PA
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:
Mailed dispute letter to Equifax on XXXX. As of today never received any correspondence or notice of dispute from Equifax. I disputes unauthorized inquiries in my credit file. Moreover, filed dispute with all the furnishers of the unauthorized inquiries and I have not received any correspondence or notice of dispute being processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/XXXX I open a dispute with Equifax requesting method of verification on a Chapter XXXX bankruptcy and Chapter XXXX Bankruptcy they came back the next day saying that they verified the bankruptcies through XXXX XXXX public records ; However this information was not verified through the ORIGINAL CREDITOR which is the courts, in which I reached out to the courts and they confirmed that they do not verify bankruptcies or any personal information with credit bureaus or thru third party entities which I informed them of on XXXX provided them with a LETTER TO REMOVE THE BANKRUPTCY AND LETTER FROM THE BANKRUPTCY CLERK and they still did not remove the bankruptcy from my report after they completed the review again. They are in direct violation of FCRA and did not validate debt thru the ORIGINAL FURNISER THE COURTS. Due to them verifying the debt thru a third party and not the original furnisher only provides the last four digits of my social their could be several inaccuracies but Equifax would not know because they did not verify with the original furnisher THE COURTS.

Company response to consumer: Closed with explanation