BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-01
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The EQUIFAX credit reporting agency is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting this violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The accounts listed below are inaccurate. EQUIFAX has not taken the correct steps to evaluate the information. Ive contacted them about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all EQUIFAX & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update these accounts to never late. This is a strict violation of Fair Credit Reporting Act sections 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I need you to please evaluate this reporting by making a revision of the information provided. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX 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 2023-05-23
Company: Experian Information Solutions Inc.
State: MN
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:
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 I5 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 reposting 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 2022-03-01
Company: EQUIFAX, INC.
State: NV
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, has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act XXXX XXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made two payments on XX/XX/XXXX which resulted in an overpayment. The first was in the amount of {$550.00} which was a normal monthly payment. Later that same day, while the first payment was pending, I made a payoff payment for the full loan balance of {$22000.00}. 

This resulted in the loan being closed out as paid in full before the first payment cleared. The {$550.00} payment cleared out of the payment account with XXXXXXXX XXXX on XX/XX/XXXX but was never credited to the loan account at Navy Federal Credit Union. 

I contacted NFCU on XX/XX/XXXX and was told that the payment would be automatically refunded back to the issuing bank. On XX/XX/XXXX this had still not happened so I contacted NFCU again and was told that the first rep was incorrect and they would need a copy of my XXXX  account statement showing the transaction had posted before they could refund the overpayment, and that it could only be applied to a NFCU bank account, not refunded back to XXXX. I supplied the requested bank statement for the full month of XXXX on XX/XX/XXXX. 

On XX/XX/XXXX I received correspondence from NFCU that they would not accept my XXXXXXXX XXXX statement because while it shows the posted transaction and cleared date, it does not contain a running balance. I have no control over how XXXXXXXX XXXX formats their account statements. It has been 11 days, so at this point the ACH transaction has long cleared on NFCUs side to show that the transaction was not rejected by XXXX. 

At this point NFCU is unwilling to refund my overpayment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
The following information on my credit profile appears to be somewhat misleading and incorrect, thus I am formally asking you to fix it. You have 30 days to complete your investigation in accordance with the Fair Credit Reporting Act 's requirements ( 15 USC section 1681i ) ; if you don't, you'll be in breach of the law and could face a Federal Trade Commission investigation. XXXX XXXX XXXX XXXX Opened XXXX. XXXX, 2022 XXXX {$17000.00} - Account number, payment status, and date open appear to be inaccurate information that was reported. Please review this account 's payment history information. I think I made my payment on time, therefore the late history shouldn't be showing any lates. Correct the late payments from this account, please. I'm not running behind on this. Get it correct as soon as possible ; assess this reporting by updating the data provided. Please update this from my file, make any necessary changes, and modify it.

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 2022-02-28
Company: EQUIFAX, INC.
State: MI
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 result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed 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. 
XXXX XXXX XXXXXXXX XXXX Balance {$0.00} co XXXX XXXX XXXX  XXXX Balance {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: LoanCare, LLC
State: IL
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:
I had my mortgage with XXXX XXXX. I went into covid Forbearance in XXXX of XXXX. I was current with my loan prior to the forbearance. In XXXX of XXXX, I did not extend my forbearance and was ready to continue my payments. at that time, XXXXXXXX XXXX was going to do a loan modification to add the lost payments to the back end of my loan. During that period ( XX/XX/XXXX ) my mortgage was then going to be transferred to LoanCare. 
XXXXXXXX XXXX was unable to complete the loan modification prior to Loancare taking over the loan. Loancare then started the modification on their end and stated that until my modification was complete and all documents signed, I would not make a payment. I received all the modification paperwork and sent it back and resumed my payments as stated in the modification ( XX/XX/XXXX ). 

Loancare has reported my 180 days late for XXXX, which was a period i was still waiting for the modification to be complete, XXXX and XXXX. I will attach documentation to show I have made these payments. The home that this loan is for will be sold next week ( XX/XX/XXXX ). Loancare has not been able to provide information to when this will be corrected and had caused my family to become homeless as i can not get a new mortgage until the negligent reporting errors are corrected.

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 2022-02-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a phone call XX/XX/2022 from ( XXXX ) XXXX stating that they had been trying to reach me and that I was being sued. I was told to call ( XXXX ) XXXX to find out what I was being sued for. They stated that they had been trying to mail me a court summons from Wells Fargo to some address I was not familiar with and that I owed Wells Fargo {$3400.00}. The man stated that my wages would be garnished if I didn't pay the full amount or go on some payment plan. I stated that I had already settled with Wells Fargo 10+ years ago and that I did not owe anything. He continued to threaten me and then hung up on me. He had my social security number. I contacted XXXX XXXX XXXX and they stated the telephone numbers I provided were not legitimate and was told to file a complaint.

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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 noticed some information on my credit file did not seem right so I disputed the following accounts : Account name : XXXX XXXX XXXX Account number : XXXX.Account name : XXXX XXXX XXXX XXXX Account number : # XXXX, Account name : XXXX. Account number : # XXXXAcount name : XXXX XXXX Account number # XXXXAccount name : XXXX XXXXXXXX XXXX Account number : # XXXX according to Transunion all those account were verified as mine. 
I am not liable for those debts. I requested Transunion to provide me with the evidence that I have given all those creditor a written application that was not provided on their investigation Transunion has VIOLATED my right under 15 U.S.C 1681 Section 604 A Section 2 I have requested them to be Investigate, verify the accuracy of the above information and deleted any inaccuracy, false e incomplete information from my file but Transunion continues furnishing inaccurate, incomplete and false information in my credit report deteriorating my finances and creating deep hole on my future creating uncertainty by making me liable for accounts that are not mine. 
I am requesting for Transunion provide me the description of the procedures they used to determine the accuracy and completeness of the information. 
please provide evidence of your reasonable procedures you used to come to such as decision that the information you are furnishing in credit file is mine and that I am liable for it. 
please disclose to the cfpb the following information : The name of the company or business that you submit the information the was verified The company 's address What information was used to update or modify the information on my credit file? 
The company 's phone number as well as the name of the person you contacted How did you use the information I submitted to Transunion on the investigation? 
Transunion has violated my rights under 15 U.S. Code & 1681i The answer to my dispute seem more an Automated process rather than an investigation

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 2022-02-28
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account number : XXXX, XXXX  XXXX  XXXX Account number XXXX XXXX, XXXX Account number : XXXX, XXXX XXXX XXXX  Account number : XXXX , XXXX Account number : XXXX, XXXX XXXX UNIVERSITY Account number : XXXX, XXXX XXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

Company 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 2022-02-28
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: Account information incorrect

Complaint:
According to Equifax there is a shopping window when applying for mort

ages. Hwoever, they are showing multiple inquiries and harming my score. Equifax.com/personal/h
elp/credit-scores-inquiries/ : When it comes to credit scores, will I be penalized for shopping around for the best interest rate?

When a lender or compa

ny requests to review your credit reports as part of the loan application process, that request is recorded on your credit reports as a hard inquiry, which may impact your credit scores. However, if you're shopping for certain types of loans, such as a new auto loan or mortgage loan, multiple inquiries for the same purpose within a given period of time will usually be counted as one inquiry for credit scoring purposes. The period of time may vary de
pending on the credit score model ( the method used to calculate the credit score ) used, but it's typically

from 14 to 45 days. This allows you to check different lenders and find the best loan terms for you. All new inquiries will be shown on your credit reports, but only one of the inquiries within a specified window of time will ge
nerally impact your credit scores.

This exception generally does not apply to other types of loans, such as credit cards. If you apply for multiple credit cards, for instance, all inquiries will likely affect your credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

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 2022-01-26
Company: Experian Information Solutions Inc.
State: SC
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 an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that 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 XXXX data breach and may have gotten into hands of the wrong person.

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 2022-01-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The consumer reporting agency, EXPERIAN INFORMATION SOLUTIONS INC, is inaccurately reporting a late payment on my consumer report and file. In accordance with 15 USC 1666b, I can not be late on my credit card account with XXXX XXXX XXXX as it is under an open end consumer credit plan. Prior to furnishing this inaccuracy on my consumer report on XX/XX/2022 did EXPERIAN INFORMATION SOLUTIONS INC investigate to verify this information to be true? 

XXXX XXXX XXXX  received a billing error dispute as well as a CEASE AND DESIST NOTICE on XX/XX/2022. In accordance with 12 CFR 1026.13d ( 2 ), XXXX XXXX XXXX can not make any adverse report about my consumer credit standing upon receiving billing error dispute. Also, XXXX XXXXXXXX XXXX  is in violation of the Cease and Desist Notice as they are not to communicate with me directly or indirectly in which they are indirectly communicating with me via my consumer report and file to coerce payment. 

Pursuant to 15 USC 1681 ( a ) ( 3 ), EXPERIAN INFORMATION SOLUTIONS INC assumed this VITAL role and must adhere to their grave responsibilities pursuant to 15 USC 1681a ( 4 ). It is unfair to report my private transactions and experiences without getting consent from me, the federally protected consumer. EXPERIAN INFORMATION SOLUTIONS INC. continues to act impartial by not giving me, the federally protected consumer, an opportunity to validate the information before furnishing on my report. This all could have been avoided had they conducted a proper investigation instead of aiding XXXX XXXXXXXX XXXX  to attempt to commit coercion. 

Pursuant to 15 USC 1681b ( a ) ( 2 ), my written instructions are to remove the late payment from my consumer report and file. This needs to be updated immediately as everyday it is on my report it is damaging my reputation and prohibiting me from doing business with other financial institutions by falsely portraying me to not be creditworthy which impairs the efficiency of the banking system pursuant to 15 USC 1681 ( a ) ( 1 ).

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 2022-02-28
Company: EQUIFAX, INC.
State: OK
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:
I did not give permission, consent, authorization, to make a report nor did I benefit from the items listed on the report. On or about XX/XX/XXXX I called each agency, seeking to correct the report. I have sent in a complaint prior to instructing them on the items to remove ; Correcting the Name, address, phone number, occupation, open and closed accounts, inquiries. An adverse event happen, XXXX XXXX denied me my open-end account. I have instructed each agency, being subjects to the public the regulations state they must remove items from the report when they are being disputed, and they have not. that constitutes a form of identity theft. I have had a phone call confirmation stating that they did and they have not. Hindering delaying the pursuit of life liberty and happiness our monarch.

Company response to consumer: Closed with explanation