BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: TX
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 found some inaccurate information in my credit report when I checked it. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the 3credit bureaus must verify these items. It is not acceptable to disregard the verification of these reporting itemsas unreliable information without presenting any supporting documentation within the legally permitted time frame. My credit report lists the following itemsas needing to be looked into and fixed for inaccurate reporting in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent several disputes to all three consumer reporting companies, Transunion, XXXX, and XXXX for well over 4 years now. I have sent supporting documents that these are not my account all related to identity theft. I have been classified as having a mixed file for over 10 years, however they take the accounts off and then put them back on my report without legally notify me before doing so. These companies are only out for the creditors they do absolute nothing to help the consumer even after you send in supporting documents that they ask you yo send in. I would respectfully like them to do more research before assuming the consumer is wrong. I have requested documents stating how they verify the account but have not received the information, and verify the address, name matches isn't variable documents. I need the original agreement, contract and a copy of my legal signature, in which I know they can't provide since the accounts are fraudulent. I also contacted each creditor and have not received responses from them as well.

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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible : XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XX/XX/2021

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 2015-07-21
Company: SUNTRUST BANKS, INC.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have a business account with SunTrust Bank and I was charged a {$15.00} fee for a credit inquiry. I called SunTrust to inquire about this charge and I was told there was no information on the company doing the credit inquiry. The only thing they could give me was a fax number and told me to fax the company to see who ran the credit inquiry. I do n't think its fair to charge me a {$15.00} fee but you ca n't give me any information. I was told any company I am associated with can run this inquiry at anytime and they will charge me {$15.00} each time. I do n't think that 's fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2023-05-10
Company: Winklevoss Exchange LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello - I started using Gemini this year. I only had two or three transactions through them and found my account FROZEN supposedly for suspicious activity. I emailed the required documentation and numerous requests for updates and or a dialogue to clarify any questions. They are very good about responding when an inquiry is sent, though no updates are provided. 
My frozen status has been in effect since the last week in XX/XX/2023. Gemini is effectively hold my funds hostage without basis. 

Thank you for your assistance! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  Account name : 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 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 non-monetary relief
Consumer complaint received 2022-04-21
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:
This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against theFederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$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 2023-09-11
Company: Westlake Services, LLC
State: CA
Product: Credit reporting 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:
On XX/XX/2023 I contacted companies and was told information can not be located and if its a dispute just file it and it will be granted from unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Lennar Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I'm suppose to close on a pre-construction home some time in XXXX. I signed the contract disclosures on XX/XX/2022 and on XX/XX/2022 I asked my loan officer if I can lock in my interest rate at which time it was 3 %. I was told by the loan officer that I wasn't able to lock in yet, but when I went back to read the Interest Rate Disclosure I noticed that there's no time frame to lock in my rate and on the contrary it states that any time I'm ready I'm suppose to advise my lender when I would like to lock my rate. I was denied that opportunity with no explanation or options given and I feel that the Interest Rate Disclosure has been breached, it contradicts our agreement and breaks it. I tried to explain the situation to my loan officer but was told that there's nothing they can do and I would have to accept todays higher rate. Furthermore, I requested to speak with a supervisor to see if they were able to help in this matter, I was told I would receive a call but haven't heard anything yet.

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 2022-04-21
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:
This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neitherremoved nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Kikoff Inc.
State: MD
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:
15 USC1681 section 604A section 2it also states a consumer reporting agency can not furnish a account without my written instructions.

I5USC1681 section 602A states I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/2019 I am locked out of my Chase online banking access & mobile app access and not able to access about {$10000.00} USD in funds that I have in my checking account. The app says to call XXXX, called CSR verified my identity, answered all the security questions ... said they can't help I would have to go to a local branch and show 2 forms of ID. Told them I am working in another country ( XXXX ) 10K miles away from the nearest branch, and will not be returning to the states any time soon. Asked them to connect me to a chase local branch in XXXX said there isn't one in XXXX ... asked to forward me to someone that can help, kept parroting " we can't help you any further go to a Chase bank '' XX/XX/2019 try to email chase through chase.com it says login to your online banking and use the secure email form -- problem I can't access my online banking so therefore I am not able to email chase. 

XX/XX/2019 used XXXX # chasesupport to try and get help, same thing they are unable to help go to a local branch, " ... we're unable to assist further via social media or by phone. ^AN '' XX/XX/2019 XXXX  # chasesupport again said this is not acceptable, would like to escalate issue, did not receive a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
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: Information belongs to someone else

Complaint:
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently which was highly embarrassing and has negatively impacted my lifestyle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This company is reporting and attempting to collect an alleged {$16000.00} deficiency balance. Please be advised that I dispute the legal validity of the alleged deficiency balance. They are attempting to collect a deficiency balance that I am not obligated to pay. Specifically, they have not provided me with the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law. As per the law, cease and desist all collection activity, including all credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2010 Wells Fargo approached my wife with new mortgage opportunity " because of the new interest rate environment '' that Wells Fargo would lower our monthly payments without requiring closing cost or hidden fees. This process could be done without a formal closing only at resident close. They failed to disclosed that the terms would be changed. An extreme change that should have been highlighted.This meant that the 13 years paid on mortgage would terminate and new 30 years mortgage would succeed. Certainly I signed the papers but the disclosure of terms were muted in writing & verbal exclamation. My realization did not present itself until after I read of the deceptive practices of Wells Fargo in it's promotional aspects to resign customers to miss leading services.Obviously, a longer term mortgage in itself would create better payments even beyond lowering of market interest rate. I believe this process was deceptive and was slanted toward benefiting Wells Fargo verus a equal benefit me the consumer. The very public knowledge of lowering of interest during this time period validated the possible incentive to me the consumer, but the end results of a longer mortgage that rewarded Wells Fargo was the goal.

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 2023-09-11
Company: EdFinancial Services
State: GA
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 problem is with Ed Financial. I have made payments towards my federal loans, over half of it. Somehow, instead of applying it to all of my loans, it was applied to some of my loans and now there is an overpayment on half of my loans where as my remainding loans still have an active high balance that is being charge interest every day. Over 5 hrs of waiting and they didnt even pick up. Its hard to chat with anyone on their website. Why was my payment not distribute fairly across all my loans? I feel like they are trying to gain interest on my loans day by day by dragging this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: NAVY FEDERAL CREDIT UNION
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:
On XX/XX/XXXX I submitted a personal loan request through Navy Federal Credit Union ( NFCU ). Undenounced to me, I had already met the unknown and unpublished loan threshold at Navy Federal Credit Union and was later denied credit. Had I known or had any transparency from NFCU I wouldve never requested a personal loan. Also, I never approved a hard credit pull but instead was requesting information. Please remove this hard credit pull for a personal loan. I'm willing to bring in legal counsel to aid in this resolution if necessary. 

Remove hard credit pull from all three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: The Outsource Group, Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XXXX, I called Medicredit to informed them that company has not filed with the second insurance company the Lady refuse to help fix problem. I have reached out to billing company twice to let them know that they have not filed with the second insurance company but hae had no luck with getting it taken care of. I was told by the Manager to talk with the Doctor on XXXX to have them fix it. I tried to explain to Medicredit but the lady refuse to talk with me unless I gave her my work information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/21 I contacted Transunion and asked for a consumer investigation of the two accounts on my consumer credit report. I questioned the accuracy of dates, amount, missing information. I asked for Transunion to validate XXXX and USDEPT Ed XXXX and provide all documentation to me concerning the above accounts. 
( Signature, information, payment history ). 

Additionally, I want the names, dates, phone numbers of who TRANSUNION spoke to concerning my account. Transunion sends responses stating they verified the account with the data furnisher. The law states that an investigative report is completed by completing the items below. ( Conducting personal interviews neighbors, friends, or associates of the consumer reported on or with others with whom is acquainted. ) The law states the information should not be obtained from the creditor of the consumer. I have included the law within this report, so not only did Transunion not provide the requested documentation as requested, but they did also not conduct a proper investigation per USC 15 1681a ( e ).

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- According to 15 U.S. Code 1681- Congressional findings and statement of purpose Investigative consumer report from 15 USC 1681a ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The FDCPA provides debtors with a means for challenging payoff demands, and for determining the validity and accuracy of asserted debts. 15 U.S.C. 1692g. Perhaps more importantly, however, the FDCPA establishes ethical guidelines for the collection of consumer debts

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 2023-05-09
Company: EQUIFAX, INC.
State: TX
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation