BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-19
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
This XXXX Veteran, me, was not late with any mortgage payments prior to entering XXXX XXXX XXXX Forbearance program and prior to my loan being transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX insist on reporting negative information even though I have provided proof. Too XXXX XXXX XXXX XXXX persist on reporting the Department XXXXf Veterans Affairs approved and guaranteed partial claim promissory note balance of {$19000.00} is past due, which is against the forbearance policies and the Fair Credit Reporting Act of unfair, wrongful credit reporting. Over one and half years and XXXX XXXX XXXX XXXX will not follow the laws and rules. 

It is obvious to me that XXXX XXXX XXXX XXXX does not care to follow the forbearance rules and blatantly does not support XXXX Veterans trying to stay in their homes as well as improve their lot in life. Also, XXXX XXXX XXXX XXXX has proven that it plans to continue to unfairly prevent me from refinancing my loan with another mortgage company. XXXX XXXX XXXX XXXX  is not fair to Veterans and it is not a Veteran-friendly mortgage servicer. 

My date of last activity for mortgage payments was paid to XXXX XXXX XXXX on XXXX XX/XX/2020. Please see the attached XXXX XXXX XXXX payments ACH tracking information extracted from my bank account transactions. I made all my payments on time per the mortgage contract. 

Moreover, XXXX and XXXX XXXX XXXX forbearance policies informs that there will not be any negative reporting. XXXX XXXX XXXX XXXX is also in direct violation of our federal governments forbearance policies. XXXX XXXX XXXX XXXX unfairly, erroneously and wrongfully report negative mortgage payments history for this Veteran to the credit bureaus. 


From XXXX : Please remove the following statements from my XXXX Credit Report : Please remove NOT MORE THAN XXXX PAYMENT PAST DUE Please remove Date of First Delinquency XX/XX/2020. 

Please remove XXXX XXXX XXXX : {$19000.00}. 

Please remove 60 Days Past Due From XXXX : Please remove the following statements from my XXXX Credit Report : Please remove " Payment Status : 90 Days Past Due. '' Please remove Past due amount : {$19000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 account # XXXX, # XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 602 A section 2 : It also states a consumer reporting agency can not furnish a 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 2022-05-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have two savings accounts with Wells Fargo -- a platinum savings account and a Way 2 Save account. The platinum savings account requires at least {$3500.00} in it to prevent a {$12.00} service fee charge. Wells Fargo has the accounts listed opposite on my online account with my platinum savings account actually being labeled as " Way 2 Save '' account. So I withdrew money from my " Wave 2 Save '' account and kept over {$6000.00} in my " platinum savings '' account to prevent the {$12.00} service fee. However I was still charged the {$12.00} service fee because Wells Fargo listed the accounts incorrectly. I called to inquire about this and was told the accounts are intentionally, incorrectly labeled, with no resolution on Wells Fargo end. They did not correct the labeling of the accounts or credit me the service fee. This seems deliberate on their end to intentionally confuse consumers so that they get charged the {$12.00} service fee.

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 monetary relief
Consumer complaint received 2018-08-15
Company: BB&T CORPORATION
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 had two car loans from a XX/XX/XXXX included in a Chapter XXXX Bankruptcy and XX/XX/XXXX included Chapter XXXX bankruptcy they both were removed from my credit report on or before XX/XX/XXXX by all there credit Bureau XXXX, XXXX  and XXXX. Since challenging these items, I've notice consistent removal of items that have been on my report over ten years. The removal causes my score to improve and within a few days of this score improvement, a new re-aged item appears on my report from medical collections, to previous auto loans that were previously removed that and included in the bankrupts beyond seven and ten years. I have sent disputes multiple times to XXXX, XXXX and XXXX regarding XXXX. This time around, I received an email from XXXX  stating their investigation will need more time, I assume because I attached each of the credit reports I've received from each Bureau dating back to XX/XX/XXXX, including disputes that they mailed me in the past letting me know when these accounts were and will be removed from my reports. I received updated reports with the removals. XXXX  deleted XXXX XXXX car loan along with my Chapter XXXX Bankruptcy and Chapter XXXX bankruptcies on or before XX/XX/XXXX. They have had many months of investigation, all the while my credit score continues to suffer from their non compliance of the fair credit reporting act.

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 2023-05-19
Company: EQUIFAX, INC.
State: CA
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 Fair Credit Reporting Act ( FCRA ) is a federal law that protects consumers ' rights to access and correct their credit reports. The FCRA also sets rules for how credit reporting companies can collect and report information about consumers. 

In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) announced new rules that would require credit reporting companies to remove certain types of collections accounts from consumers ' credit reports after two years. The new rules went into effect on XX/XX/XXXX. 

Under the new rules, credit reporting companies must remove collections accounts that are : More than two years old Not disputed by the consumer Not listed as paid in full The new rules do not apply to collections accounts that are : Still within the statute of limitations for collection Involving bankruptcy For government debts, such as student loans or taxes If you have a collections account on your credit report that is more than two years old, you can request that it be removed. You can do this by contacting the credit reporting company directly or by filing a dispute with the CFPB. 

The new FCRA laws about collections older than 2 years are a major victory for consumers. These laws will help consumers improve their credit scores and access credit. They will also make it more difficult for credit reporting companies to keep inaccurate or outdated information on consumers ' credit reports. 

Here are some additional things to keep in mind about the new FCRA laws about collections older than 2 years : The new rules only apply to collections accounts that are reported on credit reports. If a collections account is not reported on your credit report, the new rules do not apply. 
The new rules do not apply to all collections accounts. The new rules only apply to collections accounts that are more than two years old, not disputed by the consumer, and not listed as paid in full.

If you have a collections account that is more than two years old, you can request that it be removed from your credit report. You can do this by contacting the credit reporting company directly or by filing a dispute with the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
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:
A company called XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX pulled my credit report without my authority and had no business needs or practices with me. This was done on XXXX XXXX, 2016. I challenge the credit company to verify this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: NY
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:
I requested to validate the credit which I am allowed bi law yet in report XXXX you denied me the validation because I said that this might be fraud as I was XXXX XXXX on XX/XX/XXXX. I provided a disposition of the court which proves where I was a court document which your company also failed to acknowledge the report shows letters way into the year XXXX yet your company does not want to allow me my right to validate the debt. I submitted several disputes and I have not been given any evidence the debt is mine. It was fine on the internet in a time I was not allowed access to the internet yet your company does not give me what I am allowed bi law. Which is the credit file so I may validate the debt. So either allow me to validate the debt or except the fact that it was done wrongfully and remove it from my credit report as XXXX  already seen the error and removed it from my report b cause your violating the law and 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 2023-05-19
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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'm a victim of identity theft. Somebody open a auto loan under my name without my conscent. That happened in XXXX I already went to the police and filed a identity theft in the website..

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 2017-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A company called XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX pulled my credit report without my authority and had no business needs or practices with me. This was done on XXXX XXXX, 2016. I challenge the credit company to verify this transaction.

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 2022-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX XXXX I made on line deposit at BANK OF AMERICA of a check I received for payment in the amount of {$4200.00} from the company XXXX XXXX XXXX, as shown in the attached photo and another online deposit at BANK OF AMERICA on the XXXX of XX/XX/XXXX worth {$1000.00} from XXXX XXXX in XXXX XXXX, as attached, the 2 checks cleared normally to my company account. On XX/XX/XXXX my wallet was stolen and there were 2 sheets of checks, which had already been cleared, and on XX/XX/XXXX the value of the 2 checks, one for {$4200.00} and the other for {$1000.00}, was withdrawn from my account, in the statement is marked that there was a duplicate ad debit adjustment, I filed a police report on the day of the theft, I called the bank and complained about the withdrawan of the money, i said that i would have up to 60 days to investigate the event, as i called several times I went to the bank and went directly to a physical branch, talked to a manager and the time she calledthe fraud departament, because so far they haven t solved my caseand haven t returned my money.I always call bank of america, s fraud departament and they clain I deposited 2 times the same check. Because the bank has an eletronic system and does not allow you to deposit 2 time the check, I dont understand why the money disappeared from my account, because if I had deposited twice it would have doubled the amount in my account. I already called the respective ownersof the 2 checks and they informed me that the amount did not return to their account and this a manager suggested and opened another account of my company and said that i could receive deposit my checks that there would be no problem paying the other one account that is negative due to the withdrawn amount. 
I dont know what to do anymore, it will be 60 days and they claim they wont return the money and XXXX i made a check deposit of {$650.00} in the new account i was using, it is usually on XXXX they transferred {$63000.00} for the account that there was the duplication.

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 2023-05-19
Company: EQUIFAX, 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 hope this letter finds you in good health and high spirits. I am writing to seek your valuable assistance in resolving an issue that is hindering my entrepreneurial aspirations. As a dedicated and driven entrepreneur, I am eager to expand my business and contribute to the economic growth of my community. However, repairing my credit has become an essential step in achieving these goals. 

I have recently encountered challenges in securing favorable financing options and business partnerships due to negative account XXXX account XXXX that appears on my credit report. This account has a significant negative impact on my credit score, impairing my ability to access the financial resources necessary for business growth and development. 

Understanding the crucial role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and promoting fair lending practices, I kindly request your intervention and assistance in addressing this matter. I believe that the presence of this account is inaccurate and unjust. 

I have made diligent efforts to rectify this situation on my own by disputing this account with the credit reporting agencies. However, the response received thus far has been insufficient, leaving me with limited options to effectively resolve this issue. I humbly request your intervention to ensure a fair and accurate representation of my creditworthiness, thereby enabling me to pursue my entrepreneurial endeavors without undue obstacles. 

Enclosed with this letter, please find copies of my credit reports where the disputed account is clearly visible. I trust that this evidence will aid in your assessment of the situation and assist you in facilitating a resolution. 

I kindly ask that you undertake a thorough investigation into this matter, ensuring that my credit report accurately reflects my creditworthiness as I strive to expand my business. Your assistance in removing this account from my credit report will significantly enhance my chances of accessing the necessary financial resources to propel my entrepreneurial journey.

I am truly grateful for your attention and support in this endeavor. I eagerly anticipate a favorable resolution that will positively impact my ability to grow and contribute to the economic prosperity of my community. If there are any further details or information required from my end, please do not hesitate to contact me at your earliest convenience. 

Thank you for your time, consideration, and dedication to consumer protection. I greatly appreciate your commitment to ensuring fairness and accuracy in credit reporting. 

Yours faithfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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:
This is my Follow up 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$460.00}, XXXX XXXX XXXX XXXX Balance : {$9300.00}, XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$330.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
RE : XXXX XXXX XXXX XXXX XXXX When I moved from XXXX to XXXX in XXXX, my ex-wife and I shared custody of our daughter, and no child support was paid between the two of us. We had a verbal agreement to split any bills and expenses, which we did, from the time of our divorce in XXXX XXXX, which was agreed upon by the judge when our divorce decree was finalized. This continued well after I moved, and in XXXX of XXXX she decided to take me to court for child support ( even though custody remained shared ). Even though I never had an opportunity to appear and argue my side, this judge ruled against me and set a payment amount that was completely out of line from my income. I continued to fight this judgement. Two months later ( XX/XX/XXXX ), my daughter decided to move to XXXX to live permanently with me ( which her mom agreed ). All the while, enforcement continued from XXXX. While my daughter was living with us, XXXX transferred enforcement to XXXX ( not sure of exact date ). I went to court with a folder full of evidence and XXXXXXXX  stated they could only enforce, and any changes had to come from XXXX I continued to fight. From day one this account ( XXXX  ) has shown collection status. Fast forward to XX/XX/XXXX, my ex-wife has a change of heart and apologizes for the misery and torture she put me through and asks XXXX to withdraw enforcement. XXXX says they never received her request, and it was resubmitted by my ex-wife in XX/XX/XXXX ( after I brought it to her attention that the account was still showing open and unpaid ), which XXXX  acknowledged and withdrew. Even though I fought the legitimacy of this from the very beginning, XXXX  remains firm in reporting this as a collection account. I would like XXXX to either change the status from collection to paid ( or even unknown... as long as it's not negative ), or remove this altogether from my credit report. I find it odd that XXXX  doesn't report negatively against me, but XXXX does... and it was a XXXX judgement. How do we get XXXXL to correct this? I've filed disputes with Transunion, and they report it as accurate, but recently only changed the rating. I've added a consumer statement to my Transunion file, but I want the negativity removed from 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 non-monetary relief
Consumer complaint received 2022-05-26
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive tried calling the college and nothing it was the group home I was in when I was a teenager, they applied to the college without my knowledge and tried to get me out of their care as soon as I turned XXXX, I went to a different college at the same time I supposedly went to the college the charges are coming from.

Company response to consumer: Closed with explanation