BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-22
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite sending them the last complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my accounts and need to remove from my Credit Report : XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Self Financial Inc.
State: TN
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: PA
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:
I XXXX XXXX Have unauthorized inquiries appearing on my credit report I have attached documentation below. 
1 XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  2. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  3. XXXX XXXX Date of inquiry XX/XX/XXXXXXXX  4. XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: MD
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:
Good evening, I am sending this method of complaint due to Equifax, XXXX, and XXXX are not complying with my dispute request. I have sent a letter on XX/XX/XXXX and XXXX XXXX. I have informed them that my first initial dispute was sent on XX/XX/XXXX and my second initial to demand and comply was sent on XX/XX/XXXX. I have yet to have this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/2021, we sold our home in XXXX, Georgia. I am an XXXX XXXX XXXX XXXX Veteran, so my family has moved around a lot in the past. We moved from XXXX, Georgia, to XXXX, Georgia while I was on XXXX XXXX, but kept and rented out our home in XXXX. Once I got off XXXX XXXX, my family and I moved to XXXX, Ohio and sold our house in XXXX. We never received the escrow money from our mortgage company, Suntrust from the home we sold in XXXX. I did not realize this until we filed taxes this past year and we needed to get a copy of our XXXX. We learned that Suntrust had been bought by Truist, so we called them multiple times to try and get a copy of our XXXX, and I asked them to see if the check from our escrow was cashed. They said they would submit an investigation request on our about XX/XX/XXXX, and that it would be done on or about XX/XX/XXXX. They said they mailed our XXXX on XX/XX/XXXX. We never received our XXXX, and I called back on or about XX/XX/XXXX to ask for an update on the escrow money. They said that the investigation was complete, and we would get a check for about {$2300.00} in the mail. A few more weeks go by and then on or about XX/XX/XXXX, my husband called Truist again, and they said that they had cut and sent a check on XX/XX/XXXX. As of today, XX/XX/XXXX, the check has still not arrived and we are moving again this coming Wednesday. Every time we call, they say there are delays with the mail, but we never received the XXXX and they have told us at least once before the reason we havent got what we requested was because of processing errors. 

My husband just finished XXXX XXXX and I am in XXXX XXXX  We have two day care aged children. {$2300.00} should not mean anything to Truist, but for our family, thats an entire month of daycare tuition. 

The address I included on this complaint is the address well be moving this Wednesday. The address we gave Truist multiple times is XXXX XXXX XXXX, XXXX, OH 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 explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions 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:
This is an update on previous disputes. I have put these companies on notice several times about mentioned accounts. I uploaded all the information. No one has provided me with the documentary evidence that I owe on these alleged accounts and they also have not provided me with the proof of authority. I have all exhibits and the issue has not been solved. I have asked for documentary evidence and the original instrument of indebtedness. The freedom of information act gives me the right to this information. I did not ask for a photo copy of anything. I am also not able to pull my Experian credit report at all off any website. It states that information is not available and it has been saying that for 2 months. 

THIS IS NOT A DUPLICATE

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 2023-09-15
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-09-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX Have unauthorized inquiries appearing on my credit report I have attached documentation below. 

1 XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX 2. XXXX XXXX Date of inquiry : XX/XX/XXXX 3. XXXX XXXX Date of inquiry XX/XX/XXXX 4. XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: IL
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 XXXX  I received my credit report from XXXX. In reviewing my report I noticed several errors on my report. So after a few days I sent letters to the credit bureaus ( Experian and XXXX ) on approximately XX/XX/XXXX highlighting these errors. Specifically a XXXX XXXX account # XXXX because of obvious errors on the report. They both reported the account but they both reported VERY DIFFERENT information which obviously brings the reporting into question. I submitted a dispute because I am aware that any reporting accounts must be 100 % correct or they must be removed. I submitted a disputed with the information that they both were reporting to show them both the errors. There was OVER a {$24000.00} dollar difference in the high balance ( Experian- {$29000.00} and Experian {$5700.00} ). They both can't be correct. The date of last activity for Experian was XX/XX/XXXX but the date for XXXX showed XXXX The was over a year difference. They both couldn't possibly be correct. The date of the last payment on Experian showed XX/XX/XXXX while the last payment date for XXXX showed XX/XX/XXXX. These are flagrant errors and should've been caught by the bureaus had they done a proper investigation. I submitted a request for their method in verifying these accounts with no response. 

Secondly there is a collection account from XXXX XXXX. I submitted a dispute for this account highlighting the errors in its reporting on bot Experian and XXXX. Date of last activity, Date reported, and others. 

Then in the month of XXXX I pulled a second report and found that the information had not been corrected or removed but it was also listed as NOT DISPUTED. THIS IS A DIRECT VIOLATION OF MY RIGHTS UNDER THE FCRA and because of this I am having a very difficult time obtaining housing and an auto for transportation.

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 2023-11-17
Company: CBC Companies, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts. 
Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: FL
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:
there are a couple inquiries in my profile i do not reconize 1 XXXX XXXX XXXX 2 XXXX XXXX repor XX/XX/XXXX 3 XXXX XXXX XX/XX/XXXX 4 XXXX XXXX repor XX/XX/XXXX 5 equifax morgage solut XX/XX/XXXX 6 XXXX XXXX XX/XX/XXXXXXXX 7 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02
Company: U.S. BANCORP
State: NY
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 a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-07-02
Company: National Credit Adjusters, LLC
State: VA
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 filed a dispute in regard to the inaccurate items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I deposited a check on XX/XX/19 via mobile deposit with my phone and immediately received confirmation via email that the deposit was successful. However on XX/XX/19 the check was charged back to my account and charged a {$12.00} returned deposited item fee. Customer service representative indicated in conversation on XX/XX/19 that the check was charged back because of an image quality issue that made the check unreadable.

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 2021-10-22
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or around XXXX XXXX I submitted a request through XXXX XXXX to solicite offers about refinancing my existing mortgage. I was contacted by XXXX XXXX, XXXX XXXX # XXXX and Co NMLS # XXXX, from Mutual of Omaha Mortgage. After discussing the various options that were available, a cash-out refinance was the best option for me. He requested a credit check and various documents which I consented to and provided on XX/XX/2021. After submitting them, XXXX called and we discussed the next steps that needed to be taken and was provided with loan # XXXX. He would review and submit the information to underwriting for them to review, after which he would reach out to me with an update. By the end of XXXX, I reached out to XXXX because I had not heard anything from him by emailing him at XXXX. In the email I requested an update from him and for him to contact me about the application/loan because, per the app I was told to use, it was listed as " File started ''. I never received a call or email from him nor any response from anyone at Mutual of Omaha Mortgage. After a couple weeks, I deleted the app from my phone and didn't pursue the matter further because of the hit on my credit from this. 
In early XXXX I updated my phone and the app was loaded back to my phone. On a whim, I logged in just to see and the status had changed from " File started '' to " Conditional Approval '' with the comment " due to high volume, we will be in touch in a few days ''. I was shocked because nothing was provided to me stating a status change occurred. I then proceeded to email XXXX again for an updated but no response was provided. I checked reviews and someone in XXXX also stated he doesn't respond which seems to be the standard. I also sent an email to Mutual of Omaha through their website stating there is an issue and to be contacted to resolve it- either going forward with this or cancelling it, anything, which is better than being in limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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: 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. 

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 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 2021-10-22
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with NAVY FCU. I have always made my payments on time yet there were 30 days and 60 days late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE UPDATE FROM MY REPORT IMMEDIATELY. 
XXXX XXXX-Balance {$15000.00} XXXX XXXX-Balance {$15000.00} XXXX XXXX-XXXXXXXXXX****-Balance {$15000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
NOTICED ERRORS ON CONSUMER REPORT AND MADE XXXX XXXXXXXX XXXX AWARE AND THEY CONTINUE TO REPORT AND NOT REMOVE THESE ERRORS AND CONTINUE TO VIOLATE FDCPA, FCRA, CFPB AND PUBLIC LAWS RULES AND REGUALTIONS AS IT PERTAINS TO DEBT, DEBT DISCHARGE AND CREDIT REPORTING 1. XXXX XXXX, WAS SENT A NOTICE OF ERRORS, AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE DEBT REPORTING MORE THAN 180 DAYS PAST DUE AND IS ENTITLED TO DISCHARGE. 

2. CURRENTLY, IT IS BEING REPORTED TO THE CREDIT BUREAUS THAT LAST PAYMENT WAS MADE XXXX XXXX  IN THE AMOUNT OF {$1800.00}, WHICH MEANS THE DEBTS 210+ DAYS PAST DUE AND IS DEEMED NON-COLLECTABLE AND ENTITLED TO DISCHARGE. 3. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 2023-11-17
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX ( This information is incorrect ) Account # XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX ( This information is incorrect ) Account # XXXX XXXX  ( This information is incorrect ) Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief