BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-11
Company: EQUIFAX, INC.
State: OH
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've recently completed a dispute with the credit bureaus. Despite disputing the negative information with the credit reporting agencies, the inaccuracies persist. I request your assistance in investigating and rectifying the inaccurate information. Ensuring compliance with the Fair Credit Reporting Act ( FCRA ), and holding the credit reporting agencies accountable. I've disputed the inaccurate account labeled : XXXX XXXX XXXX XXXX I contacted the collection agency through CFPB concerning this account. However, the collection agency could not provide me with the date of first delinquency which was disputed with the credit bureaus. Which also determines when this account should be removed from my credit profile. XXXX XXXX XXXX XXXX XXXX ) provided documentation which shows inconsistent information furnished to the bureaus. Also, the open date information that's been furnished to the credit reporting agencies are erroneous. 

Listed in the attached image shows that this debt was purchased on XX/XX/2021. It does not give a date for the opening of this account on my credit profile. In addition, this account could not be opened on my credit profile by this collection agency before it was purchased from XXXX. Therefore it's inaccurate. XXXX is using the original creditor 's open date which is inaccurate. It is a collections account. This information was disputed as inaccurate and still it remains on my credit profile. It's a violation of 15 U.S.C. 1681e ( b ) - Accuracy of Information and also a violation of 15 U.S.C. 1681i - Investigation of Disputed Information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX Account XXXX ******* XXXX has been paid and closed on my report, this is still showing that it is 30, 60 and 90 days late with a balance. How can this be? They should be reporting the account paid. This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be fix immediately! 

XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-05-08
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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX of this year I tried to close a BofA checking account I had while in Texas. Before I could transfer all of some auto payments to new bank the BofA checking account went negative. I tried to transfer money from new bank to old to cover shortfall and close the account. The new bank had not released funds yet and the transfer XXXX {$100.00} XXXX was reversed. I have been trying to transfer money into the account to close it. But when logging online they say the account is locked. ( see attachment ). I have talked, in chat and phone, endlessly with support people who say that it is not locked. ( see attached. ) I have been going over this with this bank for XXXX months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: DE
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the 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 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
My identity has been compromised and reported as such. And now I'm notifying the 3 major credit reporting agencies to either provide me with the Method of Verification in it's physical documentation as these accounts are being investigated, or block and remove the following accounts immediately. 

1. XXXX XXXX XXXX {$300.00} 2. XXXX XXXX {$380.00} 3. XXXX XXXX {$300.00} 4. XXXX XXXX {$700.00} 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX  8. XXXX XXXX  9. 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 explanation
Consumer complaint received 2021-08-01
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:
I sent several letters disputing the account that I allegedly had with XXXX XXXX XXXX. I sent these letters to Equifax. We sent these letters with evidence showing that XXXX  XXXX XXXX was been reported inaccurately on my credit report. Despite the numerous letters sent to Equifax they have failed to address the situation. We asked them to delete XXXX  XXXX XXXX from my credit report based on the information provided and they have failed to do so. I then exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) requesting there method of verification for the XXXX  XXXX XXXX account that was been reported on Equifax account. Today XX/XX/2021 and to this date Equifax has not provided me with its method of verification for the XXXX  XXXX XXXX account that is been reported on my credit report. The law states the credit bureau should ensure that the consumer gets the method of verification within 15 days after they have gotten the request. More than 15 days have passed and I have not gotten the method of verification. This is a clear violation of FCRA. 
For this violation i can sue Equifax for damages and if Equifax fails to delete XXXX  XXXX XXXX from off my credit report then I will seek legal redress to do so. 
I am submitting a copy of the letter that I sent to Equifax and a receipt showing the date that they got the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I filed a complaint to cfpb on XX/XX/2019, compliant # XXXX the companys response was that, was they would forward my complaint and concerns to the approprate agency, and follow up, im STILL WAITING over a year later. To Summarize equifax is reporting information on my credit report, with their claims of validation from XXXX XXXX. I have a letter from the court stating they did not pprovide this information, furthermore, there is a freeze on my XXXX XXXX, so as the cunsumer, i derserve to know HOW WAS THIS VALIDATED, the companys response is unacceptable and unsatisfactory and this case not be closed, not to mention the TIME FACTOR, they havent responded OVER A YEAR!!!! I will make careful notes of all this, so i can take further action, please delete this information from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was a victim of Identity Theft several years ago. Once it was brought to my attention I made attempts to address the issues, with the three credit reporting agencies. I provided them with a letter stating that the information being reported was inaccurate. Also provided a police report, Federal Trade Commission Claim #, and a affidavit. First of all they took longer than 30 days to respond. When they actually did respond they stated the information had been verified. my response was how did you verify the information in dispute? They never responded and the fraudulent negative account is still showing on my personal profile. I sent another letter stating that the negative account in question wasn't mine. That's the only blemish on my credit profile.

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 2023-01-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
WELLS FARGO SETTLEMENT XXXX XXXX VS CFPB Wells Fargo Auto XXXX mismanaged my loan and wrongly repossessed for XXXX XXXX. 
The Wells Fargo Auto loan occurred on XX/XX/XXXX. At the time I complained, but fell on deaf ears. I did exactly what Wells Fargo told me to do and this still happened. The Repo action was on my credit report causing my financial damage. The loan and car value at the time was approximately {$200000.00} VIN # XXXX Wells Fargo had a payment plan in place for me. I made the payment in the time promised. 1 month car payment. 

My car was wrongfully repossessed days later. 
Initially I thought my car was stolen, but Wells Fargo Auto XXXX worked out an agreement with me that I complied with, and yet my car was still taken. 
My payment to Wells Fargo was received and deposited. Approximenty a week after repossessed, my car payment cleared my account.

I read an article in USA today about the settlement between WELLS FARGO and CFPb. I am victim in the lawsuit and should be compensated.

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 2023-02-23
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My name is XXXX XXXX and I am a living woman making this complaint without any influence from any third party or its agency. I was contacted by US mail from Nationwide Credit , Inc ( NCI ) on XXXX XXXX demanding payment for an alleged debt that is not owed and in active dispute/arbitration. I did not consent to a signed binding contract with NCI nor agreed to pay them. NCI having my personal identifying information was obtain by way of aggravated identity theft. NCI is violating my federally protected rights under FDCPA, FTC and the United States Code/Statue. I have reason to believed that NCI is engaging in unlawful extortionate means theft by deception by knowingly/willfully furnishing to me false and deceptive documents. I also have reason to believe that NCI is also in violations of the false claims act and is engaging in racketeering activity by attempting to collect on extension of credit by extortionate means. NCI contacting me in my private capacity without first validating if their claim is indeed true and accurate to demand payment from me has caused me severe mental and emotional distress. Please review my attached correspondence and documents addressed to NCI.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sunday, XX/XX/2021 from the company by the name of credit acceptance, I am less than a month behind. The 1st call came at XXXX XXXX. after another call at XXXX XXXX., followed by 2 more calls at XXXX XXXX. Later that day 3 more calls were made at XXXX XXXX ; as of right now the last 3 calls have been made at XXXX XXXX for the day I hope.

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: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
After reading about the XXXX recount program in XXXX or XX/XX/XXXX, I called my privately serviced FFEL loan servicer, Nelnet, to ask if I needed to consolidate it back into a federal loan in order to qualify for the recount. The person I spoke to assured me that I did not have to do anything and would still qualify for the recount. So, I didn't do anything and kept making payments because private FFEL loans don't qualify for the payment pause, etc. As a result, I've made at least 5 payments I didn't have to make, while accruing interest. 

As more information on the program has become widely available, I realized Nelnet had lied to me and that I did need to consolidate. I've now submitted the application to do so and learned that my payments went into automatic administrative forbearance and that the newly consolidated loan will qualify for the payment pause, etc. I am concerned that, because the new loan won't originate until early XX/XX/XXXX, I am going to miss out on the recount. 

This is unacceptable. Please hold them accountable!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Newrez holds my mortgage. They acquired it from XXXX mortgage shortly after I purchased the home in XX/XX/XXXX. 

I am a XXXX XXXX  XXXX XXXX Veteran who resides in New Jersey and as such am entitled to a property tax exemption in the amount of 66.333 % Newrez continues to charge me an amount which is incorrect due to the fact that my property tax escrow is considerably lower than what they say it is The overpayment in my escrow account is approximately {$400.00} per month due to the fact that they overcharge me on my property tax escrow They were supposed to, once again, adjust my escrow payments thereby lowering my mortgage and they still have, as of today 's date, not done that they have kept my overpayment for XXXX and have no idea when they will refund it they also have no idea when they will adjust my total mortgage payment to the right amount so on XX/XX/XXXX a mortgage payment is due, once again, at the higher amount i am not required to pay. 

Additionally, if you contact them, they say they are a debt collector and anything you say to them will be used to collect the debt. I thought they were a mortgage company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus are in violation of my rights please help. They keep saying an account is verified as accurate, without providing me with any data on the account, and any proof of their method of investigation, and their so call real dispute results or the documentations prompting them to say the accident accurate. I even reached out to the credit, I was at first told that there is a fraudulent account in my name, that it will be deleted within 30 days, and then I received an email days ago saying they don't have any accounts under my personal information, so I am super confused, but either way the account is fraudulent and not mine, and would like it deleted from my credit report. Please see attached documents!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Square Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Square says they cant provide monthly account statements for my square card and XXXX XXXX says that it is only handled through square even though they are the card issuer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting 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 XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have contacted Trans Union, XXXX  and XXXX  to report 2 accounts that do not belong to me and also hard inquiries. 

On my Trans Union report : XXXX this has been reporting for years was open fraudulently by i believe a relatives that move to Texas. Also XXXX XXXX this account does not belong to me and has been reporting for years. Also these hard inquiries : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On my XXXX  Report : The same two companies, XXXX and XXXX XXXX and also these Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX 

On my XXXX Report : They recently removed XXXX but ignore my request to remove XXXX. Also these hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I hope you have better luck then me seeing that i have trying to get these fixed for going two years now.

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