BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: National Credit Systems,Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: MD
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:
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: NC
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 is XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Fidelity National Financial, Inc
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX   XXXX     XXXX   XXXX    ak  a fnf servicing inc  misapplied a large payment in  XXXX  I sent {$15000.00} which was by cashiers check I clearly denoted that  XXXX  of the total amount was to be applied to a balloon due  X/X/2017  I also included a letter with the same instructions the bal was to normal principal of the loan per my instruction my loan number is  XXXX  this company did not apply payments to the loan correctly as I recd a bill for the balloon installment dated  X/X/2017  also fnf servicing refuses to provide payoff information without a written request to the borrower causing significant delay and interest to be charged this is not acceptable when anyone is trying to payoff a loan and has borrowered money elsewhere to do so no one needs to pay interest to  XXXX  lenders

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 previously obtained a copy of my credit report and it showed that  XXXX  was a closed account with no balance as the car was sold there was a remaining balance of {$690.00} however  XXXX  sent the account to collection over a year ago. After my husband I divorced this account was keeping him from purchasing a home so he settled the account with the debt collection company and the balance reflected {$0.00}. However after a recent check of my credit the report showed a balance of {$1300.00} I immediately called the credit bureau informed them of the situation and they told me to contact  XXXX . I contacted  XXXX  and because it was sold to a debt collector I was told they no longer handle it. I contacted the bureaus again still no avail they just sent me an updated copy saying the account was verified and updated. I asked them to provide me with the documenation they used to validate this account and they refused, they then sent me another credit report that says my request was not specific enough.

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 2020-02-05
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:
I am writing this due to non-compliance with the CRA ( Equifax ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. I disputed some accounts on my Equifax credit report that are inaccurate and inconsistent. The company came back and said that the accounts are accurate. I wrote them, along with a copy of my credit report outlining the inaccurate information. I don't believe that they did a proper investigation in this matter. These were some blatant inaccuracies and violations on my credit report per FCRA. The confirmation number for the report is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Just refinance house with cashcall mortgage, they are withholding funds from the loan. I have the payoff amounts on my house, and they overpaid and should have to reimburse me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Navient Solutions, LLC.
State: FL
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:
Hello, I se nt four  payments for {$1000.00} each to Navient for repayment of student loans. They cashed all four checks between  XXXX  and  XXXX . They have all been cleared from my account. However, they only applied  2 payments to my account. I have called approximately 30 tim es attempting to have my money either applied or returned. After approx.  15 phone calls they refunded my one ch eck ( after about 3 month s ) an d have not returned the other check. I have called multiple times and they always say its " being processed '' well it has been several more months and no check. I have spent at  least 45 min utes - one hour every time I have had to call. I uploaded all of my bank statements onto their website proving they cashed all  4  checks. They always insist the check is on the way etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I sent my fourth m and final dispute letter to Experian asking the to either send me proof that the debt is mine or remove the debt from my report per the Fair credit reporting act. However, they did not reinvestigate my dispute and instead sent me a copy of my credit report and stated that they would not reinvestigate my dispute unless I send new information.

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 2023-04-30
Company: RIA FINANCIAL
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
I signed up with Ria Transfer online on XX/XX/23 and successfully made an international transfer and was able to download the confirmation details. Less than a week later I attempted XXXX more transfers ( to the same and additional recipients ) and XXXXne was successful but delayed by 3 days and two were declined for no reason, including a payment to the recipient who successfully received the first payment. I contacted Ria Customer Service via " chat '' and was told the " Order Verification Department '' had cancelled the transfers. I asked for the reason ( XXXX ) why but the agent was unwilling or unable to tell me. Therefore I had no way of " fixing '' what was wrong. 

Later I received messages from the Ria system saying " All orders are subject to review by our third-party fraud service, and they flagged this order as suspicious. '' These transfers were NOT suspicious. I have used XXXX to pay this same recipient almost 100 times over the past 2+ years. And, the recipient had successfully received a payment via Ria less than a week before. This blacklisting of me and my transferee is unfair and I want to know what I can do to hold Ria accountable for this. 

I am now unable to access my account to print out the details of the successful transfer. I have included attachments with the details. I can understand if Ria doesn't want to do business with me- trust me, the feeling is mutual and I hereby pledge that I and any company I work for will never use Ria or its parent company XXXX XXXX XXXX XXXX. But they need to either allow me to access my account to download the details of the second successful transfer or send it via email. I have called twice and the representative said he was " emailing '' the fraud department and I should have my access restored but it was a lie - nothing has been done. 

Ria 's customer service is beyond pitiful and I hope anyone reading this pauses before using any of their services. It may appear to work but don't count on that continuing and once you have a problem they will leave you high and dry. Thank God for CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and unfair. The following items are of concern : XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX  XXXX Collection Account I would like to request that you investigate these items and remove any inaccurate or incomplete information from my credit report. These items are negatively impacting my credit score and my ability to obtain credit. 

I believe that the XXXX XXXX XXXX XXXX account listed on my credit report is inaccurate. I have never had an account with this company and therefore, I would like it to be removed from my credit report. Additionally, the XXXX XXXX account and the XXXX XXXX account are inaccurate as I have already paid off these accounts. I have proof of payments and I would like to submit them to you for review. 

I would also like to request that you provide me with a copy of my credit report after any corrections have been made. I appreciate your attention to this matter and your prompt response in resolving these disputes. 
XXXX : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2023 at XXXX. I used a Wells Fargo ATM located at XXXX XXXX XXXX ( front facing right ATM ) in XXXX, NC with my XXXX  debit card. I attempted to get a cash deposited to me in the form of {$640.00} with a {$3.00} atm fee. I selected XXXX & XXXX and when the transaction was completed I chose no receipt and the machine when completed gave me my card and only {$280.00} in XXXX came out. As I sat and counted I looked back at the machine and it did not give back the rest of my money. After sitting for a few minutes I panicked and called Wells Fargo and my bank to tell the customer service my issue for a dispute. Although I have to wait 7 days to resolve the issue I have bills that HAVE to be paid immediately and am now stuck.

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 2023-02-17
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 2023-11-02
Company: EQUIFAX, INC.
State: LA
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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
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:
Please delete this account and delete these inquiries 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 2023-10-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GU XXXX XXXX XXXX XXXX XXXX XXXX, GU XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX GA XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX GA XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My mortgage lender is unable to pull my credit report because Equifax had a lock, a freeze, and some sort of identity verification on my account. 

I started a refinance process in XX/XX/XXXX it is now XX/XX/XXXX and the lender is still unable to obtain my credit report. 

I phoned Equifax, in XX/XX/XXXX to remove the lock on my account. Equifax processed the lock removal and I thought that all was clear. However, when the lender attempted to obtain my credit a fraud alert from Equifax prevented them from getting my credit. On XX/XX/XXXX, I called Equifax and was told the account had a freeze, so I asked for its removal. Once again, the lender attempted to access my report, and again Equifax had a block! This time Equifax told me that I needed to provide a copy of my license and Social Security card by mail or fax and that it would take up to 10 days to process! When I asked the agent why Equifax and only Equifax required this information, they could not give me an answer. 

I need this fixed because interest rates are going up and because of financial necessity.

Company response to consumer: Closed with explanation