BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX is the servicer of my mortgage. Some late fees have accumulated on the account but all p & interest payments have been made. XXXX is reporting the account as late or past due for LATE CHARGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
This is XXXX XXXX this is not a 3rd party I am submitting this complaint myself all documents and identification is in attachments. Please see attachments for what happened with my Situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: NAVY FEDERAL CREDIT UNION
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: Old information reappears or never goes away

Complaint:
Re : Navy Federal Credit union Installment loan I disputed the referenced accounts above on with XXXX  & it was deleted XX/XX/2019, I have proof. The credit report of XXXX  ( notification it was removed ) and your report # shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.

*Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian wrong address Experian has a lot of the same address that are not mine. They no the right address and keep having all this false information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) -- -- -what is XXXX and who does it belong to not me XXXX XXXX XXXX XXXX XXXX XXXX who does this belong to this is not my address some more made up information that does not belong to me. 

I 'm reporting to this to the FTC as well My address at the time was XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2020-03-16
Company: EQUIFAX, INC.
State: PA
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:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX  XXXX Last reported XX/XX/2020 {$3700.00} Reported balance Credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my XXXX, Equifax and XXXX   credit reports. Each credit report shows more than XXXX inquiries ( XXXX from XXXX, XXXX with Equifax and XXXX with XXXX  ) that I do not recall authorizing. I understand that creditors or lending institutions are not allowed to put an inquiries on my credit file unless I have authorized it. Please have all of the inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

I have only authorized XXXX through XXXX on XX/XX/XXXX, which is the lien holder of my auto loan, to run a credit check for my current auto loan. I DID NOT VISIT ANY DEALERSHIPS NOR DID I AUTHORIZE ANY CREDIT CHECKS FOR ANYMORE AUTOMOBILE LOANS. Those inquiries are a result of identity theft and should be removed due to possible fraud. I have extended fraud alert on my Equifax credit file. XXXX and XXXX is supposed to have fraud alerts as well but when I received a copy of my credit reports, I did not see an alert on XXXX  or XXXX. I also have an open case with XXXX Police Department for identity theft - Criminal Report # : XXXX. 

I have tried several times to submit a dispute online on each CB website but keep running into an error stating I can not dispute online. 

I am disputing these inquiries on XXXX  : XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I am disputing these inquiries on Equifax : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I am disputing these inquiries on XXXX : XXXX XXXX - XXXX XXXX, XXXXXXXX XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax is also reporting a fraudulent address. I need the address removed because I have never lived at that address : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, GA XXXX. This address is attached to the police report for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: LEXISNEXIS
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I reached out to Lexis Nexis multiple times in an attempt to receive my consumer report online and via mail. Every attempt that demonstrated a form of " stalling '' meaning they are very reluctant to handle my request. I find it very deceptive and inconvenient. When I opted out, they did not hesitate to allow it. Yet, when I want my credit report from them, they show attempts to disregard the law. 

In their letter to me they ask me to provide additional documents and then at the very bottom of the letter they say that the following additional documents are not required. Why are they playing games with me? Why are they denying my request to receive my credit report. 

My name was part of a XXXX breach so I want to ensure that nothing fraudulent has occurred in that very file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an ad from Bank of America that said if XXXX ) I opened a checking account XXXX ) Set up direct deposit of XXXX or more within 90 days ... then I would get a {$300.00} incentive or bonus added to my account. 

After .... 
XXXX ) Opening a bank account XXXX XXXX Having $ XXXX in direct deposit within 90 days and calling several times I have not received the {$300.00}. This seems like a technology issue where they don't recognize that I enrolled in the issue. I shouldn't be penalized for a broken website. 

According to the terms and conditions I should have received the {$300.00} at this point. I should not have to call several times to resolve this issue. The representatives can't even find the terms and conditions for the offer.

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-11
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Someone living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened up a victoria secret credit card in my name maxed out the card made payments for XXXX months then stopped and now my credit is suffering. I already contacted Victoria Secret credit department and reported fraud on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hi, my name is XXXX XXXX and I paid off my loan XX/XX/2021 and I am due 2 refund checks from escrow one for {$4500.00} and one for {$210.00} and some change. All checks has bounced in my account and I am being charged a fee for all {$15.00} each. XXXX XXXX XXXX  is placing a stop payment on all checks sent to me ( XXXX XXXX ) by Fay Servicing. My bank said, XXXX XXXX XXXX has a red flag on all checks going into that account. 

Property address is : XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX. 

My mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Moving forward, please send me only cashier checks in the amount outstanding and due to me from my escrow account.

Please contact me ASAP via email. 

XXXX XXXX Sent from XXXX XXXX  on XXXX  On Tue, XX/XX/2021 at XXXX AM, XXXX XXXX XXXX wrote : Hi, I paid the account in full accord to the pay off demand letter balance.. but there is still an outstanding balance. I am requesting you pay the balance off in full immediately and send me a receipt showing zero balance and a deed for XXXX cXXXX XXXX XXXX XXXX XXXX ca XXXX. 

XXXX XXXX Sent from XXXX XXXX  on XXXX  On Thu, XX/XX/2021 at XXXX PM, XXXX XXXX XXXX wrote : Dear XXXX XXXX, Thanks! 

Sincerely, XXXX XXXX Customer Service - Residential Fay Servicing , LLC XXXX toll free direct XXXX fax http : //www.fayservicing.com https : //www.fayservicing.comXXXX  This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this email in error, please notify the system manager. This message contains confidential information and is intended only for the individual named. If you are not the named addressee, you should not disseminate, distribute, or copy this email and delete immediately. Fay Servicing is a debt collector, and information you provide to us will be used for that purpose. To the extent you filed a bankruptcy petition and received a discharge of your personal liability, or you are currently in an active bankruptcy case, this is being provided for informational purpose only and does not constitute an attempt to collect a debt or impose personal liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: J & B Endeavors, LLC
State: MD
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:
Spoke with the Student Loan Movement company in XXXX about why my payments were not showing up on my federal student aid website as going towards my actual student loan. I was told that it wont show until I make my final payment to them. When speaking with the US Department of Education it was brought to my attention that this company that I have been paying since XX/XX/XXXX is not a legitimate company associated with them nor do they have any knowledge of this company since my student loan is actually consolidated through XXXX XXXX. Spoke with XXXX XXXX today as well and they have no recollection of this company either and started that no consolidation company is suppose to ask for a persons Federal Student Aid login, also they had created a whole new bogus email where XXXX XXXX was sending information to. Plus XXXX XXXX let me know that I was not to be making any payments until XX/XX/XXXX. I was told by both US Department of Education and XXXX XXXX to call my bank since I had a card on file with Student Loan for automatic payments. I made 6 payments of $ XXXXmonth from XX/XX/XXXX to XX/XX/XXXX. Then $ XXXX monthly payments starting XXXX XX/XX/XXXX with the last payment being XXXX XXXX since canceling with them today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
made payment. Ocwen is saying. I was late. payment got to them by XX/XX/2017. 
now they want me to pay a late fee. 
I dont think this is right

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 2023-06-05
Company: Flexible Finance, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I DI NOT COMPLY TO DISPUTE THIS POSITIVE ACCOUNT, PLEASE, I'M BEGGING YOU TO RE-INSERTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: AES/PHEAA
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 information incorrect

Complaint:
My student loan accounts ( 10 of them ) by FedLoan reports 4 months of late payments which my account was ( and still is ) in Forbearance during those months. Account has been in forbearance since XXXX XXXX XX/XX/2020. NO LATE PAYMENTS Should be reported. During those dates. 
I had tried disputing it through all 3 credit bureaus as well as With the creditor ( FedLoan ). They incorrectly updated by credit report to show that my forbearance will start XX/XX/2020. This is incorrect. When I called FedLoan they said I could not speak to anyone in any department to correct this issue. 

4 months of late payment on 10 Student loan accounts =40 negative hits on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
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: Was not notified of investigation status or results

Complaint:
I have reached out to the Bureau over 30 days ago I am yet to receive a response, these items are inaccurate and should not be on my credit report.

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