BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-18
Company: EQUIFAX, INC.
State: LA
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:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX  XXXX  XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: MD
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 have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts. 

These companies have declined to address these disputes, even though they are legally obligated to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: In progress
Consumer complaint received 2023-01-11
Company: NEW YORK COMMUNITY BANCORP INC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX XXXX of {$600.00} XX/XX/XXXX XXXX XXXX {$600.00} These payments were sent into my bank to make the mortgage payment. Flagstar Bank instead of holding it in suspense put it towards the principal. I wasn't able to get into the online bank account because I was in bankruptcy in which I came out of bankruptcy XX/XX/XXXX. I was able to log on to my online account finally in XX/XX/XXXX. They had sent me a letter saying that I was late on a payment in XXXX. What happened is that they appropriated these funds to the principal instead of the mortgage balance. When I spoke with someone in XXXX I was told because it was over 90 days for the XXXX payment there was nothing they could do but they were going to try and they gave me a confirmation number. When I called again because my mortgage statement didn't reflect any of this that we spoke of in XXXX, I called back today XX/XX/XXXX. I was in told that they corrected XXXX of the {$600.00} which was in XXXX they said that they can not fix the other XXXX because it's been over 90 days. I also had a problem once I sent them a {$13000.00} payment in XXXX which took them until XXXX to correct the problem and appropriate the funds correctly. I know they're able to go back and do it because they did it more than 90 days later. I would like for my {$1200.00} to go towards my mortgage payment and not the principal. I am a teacher and I work at a public school I don't have an extra {$1200.00} to drop on the principal balance. I paid on the bankruptcy for 3 years spending approximately {$60000.00} in which none of the mortgage stuff had been taken care of so when I got out of bankruptcy XX/XX/XXXX I went ahead and paid what the mortgage company was asking for the bankruptcy even though their attorneys said I owed nothing and they had been paid back. When we try to call the bank they don't respond, I have been hung up on, yelled at during this process and I think it's very unprofessional. Now I'm out of money and they just tell me it is what it is it's been over 90 days and that's how our system works. You're just out the money. I have asked to speak with supervisors and I've been told the customer service representative called them for me and told me they can't help.

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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of the accounts below are not accurate. the open date, date last active, and date of last payment is not 100 % accurate. 

They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

i attached a consumer report as evidence.

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 2021-09-19
Company: Cornerstone Holdings, Inc.
State: AK
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 have filed a dispute in regards to the incorrect items on my credit report and its been well over 60 days and I haven't received any investigation results. Also the disputed accounts are still being reported on my credit reports and the company has yet to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature, As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : -Defamation -Negligent Enablement of Identity Fraud -Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) -Violation of the Fair Credit Reporting Sct ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
n 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 XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX ( HARD INQUIRY ) XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX ( HARD INQUIRY ), XXXX XXXX XXXX ( HARD INQUIRY ), XXXX ( HARD INQUIRY ), 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 2023-08-21
Company: General Motors Financial Company, 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 am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 2023-08-19
Company: Affirm Holdings, Inc
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX try to illegally contact me at my moms property and officer was told on camera when Im being represented with an private attorney that i was already in an ongoing law suit with this creditor for my credit report actions and hardships i had to endure, i was then hit with a law suit to she summons in person when i told the officer i was already being represented by an attorney These people violated the state Arizona law for fdcpa regulations on approaching a debt collection thats been sold to a third party they also threatened to garnish private wages and thats also highly illegal for third party collection agency in Arizona i need this legally dissolved or they need to settle with me any way i can pay a settlement but no more then a couple XXXX due to health expenses

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX XXXX ID # XXXX XXXX No income Havent been paid since XX/XX/XXXX Sending forbearance paperwork for other ( XXXX ) loans Takes XXXX business days to process Forbearance was for XXXX loan making other XXXX late XXXX XXXX ID XXXX XXXX Loan sequence XXXX, XXXX, XXXX, XXXX due XX/XX/XXXX Loan sequence XXXX XX/XX/XXXX Deferred again each time loan got higher but when I offered to make pemta via my income I was told I could but it would not help. Or I could write a letter to the lender explaining my impediments and the lender would give a response each time on either the day I was due to make a payment or the day before my payment was due. 
XX/XX/XXXX XXXX XXXX XXXX Only 2 months forebearance No matter if I show proof of my inability to pay or try to make an effort of requesting a lower paying payment I am shot down by the lender and it just crucifies my credit, makes my debt to earn ratio higher. The only solution I was given was an attempt to refinance several times with other companies but no one will accept or refinance with me because of these private loans. I even tried a personal loan as last resort but was told I could not be granted that either because of the amount of debt I accrued with my XXXX XXXX XXXX company that I used for school.

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 2021-09-18
Company: Experian Information Solutions Inc.
State: AL
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 have been disputing 3 accounts with XXXX for 4 months now and have not made any progress. These accounts are continuously reporting charge off EVERY SINGLE MONTH even though they are closed and charge off. This is effecting my last date of activity on my credit report there for it is never going to get removed if they keep this up. I have tried calling then several times and have sent several letters but I have not made any progress at all and it is really effecting my credit report and upcoming goals that I have and this is not fair! One account has even been reporting Charge off since May of last year. How is that even possible.

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 2023-05-17
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a new account after seeing multiple advertisements of {$400.00} bonus for opening a new account and making {$1000.00} in direct deposit. 

The offer said that I had 90 days to meet the requirements of the bonus offer and even offered a negative balance buffer ( advertisement attached ). They misled me into making the transactions I made with their advertisements and then took the bonus opportunity away by checking my account for eligibility at the exact time it was fit for them to not give me the bonus. All while promising 90 days to meet all eligibility criteria. 

I completed the required activities but the bank denied my bonus by checking the account for bonus eligibility on the day it was not ready. The bank has provided bonus to accounts of my friends when they didn't have any balance for the first few days but later did - the same situation as mine but the checks on the account happened on a different day. 

The bank 's customer service representative XXXX himself agreed with me on the chat that I should have had 90 days to complete the requirements for the bonus ( chat attached ).

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 2021-09-19
Company: AES/PHEAA
State: SC
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 have 5 total student loans reporting to the credit bureaus. 3 of the accounts have open balances ( {$2100.00}, {$3600.00} and {$1000.00} ) and are currently in forbearance. FedLoan Servicing reported 2 missed payments for each of the loans at 90 and 120 days late for XXXX and XXXX of XXXX ( totaling 6 late payments ). I have disputed this error 19 times with FedLoan and with all three credit bureaus and they will not correct the error. 
From XX/XX/XXXX until XX/XX/XXXX those loans were in deferment. I have sent over the relevant documentation proving that the accounts were in deferment ; however, FedLoan continues to verify the information as accurate. A Representative from XXXX advised me that " XXXX '' reports whatever information that the creditor provides and they will not change it. I have the payment history from the US Department of Education showing the dates that the accounts were in deferment. 

I also have two other accounts serviced by FedLoan that were included in a Chapter XXXX Bankruptcy on XX/XX/XXXX ( Dated XX/XX/XXXX and XX/XX/XXXX ) .The accounts were discharged in XXXX of XXXX and currently show paid and closed by XXXX. When I disputed this error they verified the information as accurate to XXXX  AND further reported incorrect information. The accounts are now reporting as Bankruptcy for XXXX and XXXX which resulted in my credit score dropping tremendously. This occurred on XX/XX/XXXX. I called and spoke to several Representatives at XXXX and they advised that they would submit the information to FedLoan for verification.

I have also sent disputes to FedLoan regarding these isses and have not received a response.

I have spent lots of time and energy trying to get this resolved. I have been denied credit because of these errors and I am not able to get descent rates because of the decline in my credit score. This can NOT be legal and MUST be stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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 2022-11-23
Company: Experian Information Solutions 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:
I've noticed that there's XXXX closed account & XXXX inquires on my credit profile that i dont reconize & its false information that isnt mine & never gave written or verbal consent for Experian to furnish and its affecting my way of living due to non approval & defamation of character!

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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
] AFTER RESEARCHING DENIALS REGARDING PAYDAY LOANS, WE NOTICED MANY OF THE PAYDAY LOAN ADVERTISEMENTS WERE BEING SENT BY THE CREDIT BUREAUS WITHOUT BEING AWARE : XXXX TRANSUNION XXXX IN ORDER TO VALIDATE WHAT WE WERE RECEIVING WE APPLIED THROUGH WHO WE THOUGHT WERE THIRD PARTY VENDORS. FOR EXAMPLE CREDIBLE. CREDIBLE WOULD STATE THE CREDIT WAS A SOFT PULL AND WOULD NOT AFFECT YOUR CREDIT, THEY WOULD THEM SEND YOUR INFORMATION TO ADDITIONAL VENDORS AND MANY WOULD PULL CREDIT BUREAUS WHICH THEN BECAME HARD PULLS WHICH AFFECTS YOUR CREDIT IMMENSELY. 

WE ALSO NOTICE DUPLICATE SUBMISSION FOR PAYDAY LOANS WHICH SHOULD NOT HAVE BEEN PLACED ON OUR CREDIT BUREAUS. SO, WE INTENTIONALLY BEGAN UNSUBSCRIBING FROM THE PAYDAY LOAN ADVERTISEMENTS BUT STILL RECEIVED COMMUNICATION FROM THE SAME COMPANIES. 

THIS IS EXTREMELY MANIPULATIVE AND IS DONE ON PURPOSE TO ENSURE OUR CREDIT SCORES REMAIN LOW,

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charge over and over again fees but had the money in my accounts, the bank would hold my payments then charge me unnecessary charges.

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