BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: TX
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:
XX/XX/2022 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investment consumer report '' means a consumer report of portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or made of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Accounts : 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 Texas XXXX XXXX ) ; XXXX ( XXXX Texas XXXX XXXX ) ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) ; Convergent Outsourcing ( XXXX  XXXX XXXX XXXX ) ; They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy According to : 15 U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 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 know or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, 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 disputed my XXXX credit card with Equifax because they are reporting incorrect/inaccurate information! They are reporting all these late payments which is destroying my credit scores that I have worked so hard to improve. They are reporting 40 late payments! How is that even possible when on the actual chart they are reporting 3?! I have disputed and disputed with them and all I get back is we are reporting accurate information! Obviously your not! I have the proof right here! My next step is going to be getting a lawyer I am so tired of them just reporting whatever they want and telling me its accurate! This is my last stop before I contact my lawyer! I have worked way too hard for them to report whatever they want to! How do you have an account that has been charged off as of XXXX and is closed still reporting late payments as of XX/XX/XXXX? Makes no sense to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Dear CFPB, I am writing to make an official complaint against Wells Fargo for its discriminatory lending practices against me. I recently applied for a Business Account with Wells Fargo and was denied without explanation. This has caused me to suffer significant financial distress, and I believe my denial was motivated by bias due to my race and ethnicity. 

I am a Latino-American male, who has historically been the subject of discriminatory practices in the banking industry. Part of the reason why I selected Wells Fargo to make this mortgage loan application was that I expected to enjoy a fair and equitable treatment from an institution that has been in the business for so many years. However, I now believe that I was offered different and less favorable terms than what a non-Latino applicant would have been offered. 

I would like to request an investigation into Wells Fargo 's pattern of behavior and treatment related to lending, particularly with Latino American applicants. I personally feel wronged by your organization and expect to receive an apology and clarification as to why I was denied opening a Business Account. 

Thank you for your time and attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2019-08-05
Company: EQUIFAX, 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:
After two courts in Arkansas closed the lawsuit brought against me by XXXX  XXXX, the last one being an adjudication in my favor because of Arkansas court procedures rule 41, I requested the three major credit bureaus to correct my file. This has still not been done and the fallacious claim against me is still in my files.

Please note that there is an item for collection from XXXX XXXX-XXXX/XXXX  for {$1600.00}. I inquired XXXX about the origin and specifics of the amount and they could not provide any reasonable information of how they arrived at the amount, nor would they give me any logical accounting, history, or progression of alleged amount owed.

XXXX since has filed two law suits against me. The first one was dismissed and closed in XXXX per order of the XXXX XXXX District Court ( XXXX XXXX, Arkansas ) and the final one was dismissed and closed in XXXX  by the XXXX County Circuit Court ( XXXX  County, Arkansas ). The second dismissal was from a voluntarily dismissal from XXXX attorneys a few days after I responded to their suit. Under Arkansas law ( Rule 41 ), any voluntary dismissal operates as an adjudication [ regardless of the wording on the dismissal ] on the merits [ of the defendant ] when filed by a plaintiff [ XXXX ] who has once dismissed in any court of the United States or of any state an action based upon or including the same claim '' [ and it can not be refiled ]. Therefore, by law, there is no longer any basis for any claim that XXXX  may have against me. The case has been adjudicated and closed by the XXXX   County ( Arkansas ) Circuit Court, ruling in my favor. According to the State of Arkansas, there is no longer any basis of claim. This ruling has been upheld in another case by the United States Court of Appeals, XXXX District in XXXX ( XXXX XXXX XXXX XXXX., XXXX. vs. XXXX  XXXX, XXXX  ). XXXX claim should be stricken from all credit bureau records, as it has been from the Courts records. The complete documents can be viewed at : XXXX I am requesting the removal of both XXXX-XXXX, XXXX.XXXX./XXXX  XXXX   and the XXXX, XXXX.XXXX./XXXX XXXX   alone ( since it is the same claim ), as this fallacious claim is damaging to my credit and reputation and the three credit bureaus are partially responsible for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Atlanticus Services Corporation
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Fortiva makes it as hard as possible to make a payment. The payment page on their website doesn't work and the payment portion of their app doesn't work, I have tried both at least 10 times. On XX/XX/XXXX, I called to make a payment and asked the agent to set my account to autopay, he confirmed he did. He didn't set it to autopay though he lied and then I was late with my next payment because I thought it was set to autopay and they tried to charge me a late fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Lendmark Financial Services
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  account : Lendmark Financial Services XXXX XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I contact XXXX bank by phone regarding an alert I received on XX/XX/2022 regarding a purchase I did not recognize. In order to get information on the purchase, I had to call XXXX because this could not be done online. I also try to dispute the charge online. I called and was told I needed a security pin that I had provided on the account. I don't remember the pin because I do my banking online which doesn't require a pin. So I was not able to get the information I needed, I asked if there were other security questions they could ask me, the reply was no. The only way to get this information I needed was to visit the XXXX bank. Because of this policy, I was not able to dispute the charge. I'm XXXX XXXX XXXX and can not visit the XXXX bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

State Collection Services Account Number : XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX******************* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-19
Company: Exeter Finance Corp.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Since XXXX of XXXX the primary loan holder and the co signer have been getting multiple calls a day from Exeter Finance about the car loan. There have been no late payments on this loan except for XXXX of XXXX, it was XXXX days late. Regardless of paying the loan on time every month. Exeter still calls multiple times a day well before the loan is due for the next month ( if payment is due in XXXX weeks they will call everyday up until the due date ). We have spoke with them numerous times expressing exactly what dates the payments will be made on and they still continue to call even after that. 
From XX/XX/XXXX- XXXX XXXX they have called 3 times a day consistently on the primary holders phone and work number ( they have been asked not to call the work number and they still continue ), while also calling the cosigner the same amount of times everyday. XXXX of XXXX there was a late payment but half the amount was paid ( {$300.00} ) and they were made aware of that and told when a payment would be made. Despite that they continue to call and now the cosigners credit score has dropped significantly due to the XXXX  day late payment. There have been some financial hardships and they have not been lenient even at all even though this account has never had a late payment since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: JPMORGAN CHASE & CO.
State: AZ
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 a mortgage that is serviced by XXXX XXXX XXXX XXXX, XXXX, Account # XXXX. My payments of {$1200.00} have a grace period of the 15th of the month. I sometimes pay just after the 15th because of my pay period and accept the late fee of {$52.00}. I have always paid within the month and have never paid after the month end ( XXXX, XXXX, or XXXX ). My account is current ( always has been ) and " Paid as Agreed '' status. 

For my XX/XX/2019 payment, I submitted my payment of {$1200.00} ( late fee included ) online on XX/XX/2019. I received a confirmation email ( attached ). It was to be withdrawn from my Chase Checking account on XX/XX/XXXX. 

On XX/XX/2019 the payment had not been deducted from my checking account, so I contacted XXXX, who told me my Loan had been purchased and was being transferred to Chase Home Mortgage. The transfer started on XX/XX/XXXX and I would be able to access my account information on the Chase website starting XX/XX/XXXX. My payment, since it was paid electronically would eventually be withdrawn from my checking account. 

On XX/XX/XXXX, I logged into the Chase website to view my transferred account Account # XXXX and it indicated I was " Past Due '' for my XX/XX/2019 payment. I immediately contacted Chase Home Mortgage Customer Service and explained the situation, she said " Don't worry '' the transfers have a 60 day grace period and you will not be reported late. She opened a case to locate the " Missing Payment. '' I told her I had the email confirmation and it was submitted electronically. She said it will eventually show up. I said when I pay my XX/XX/2019 payment, will they post it to XXXX or XXXX, she said XXXX. I felt somewhat relieved by the 60 day transfer grace period and that, at least, I would not be reported 30 Days Late. 

On XX/XX/XXXX, I received a credit monitoring alert to my phone with a message that " Derogatory '' information on you Mortgage Account has been updated in you credit bureau. I logged in and sure enough, XXXX, XXXX is reporting me 30 Days Late for my XX/XX/2019 payment. I was livid!!! 

I should not be reported 30 Days Late as I was not 30 Days Late, the mortgage transfer has my payment in a black hole somewhere. I should no be penalized with a derogatory mark on my credit bureau for a system issue in the mortgage transfer to Chase. This is very unfair and somewhat of a deceptive practice. Moreover, this is inaccurate record keeping by a financial institution. 

I am requesting this 30 Days Late be removed from all three of the credit bureaus ( XXXX XXXX an XXXX ) and updated to reflect " Paying as Agreed. '' I am beyond frustrated with this situation and the customer service from XXXX, XXXX. 

Any help is appreciated! 
Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: UT
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 have disputed the dismissed bankruptcies on my credit three or four times now and all I get is the same old response that everyone gets and nothing happens. If the CFPD is just going to except the companies response and close the case then what's the point of this? Those bankruptcies were scams done to me by online companies promising to stop XXXX XXXX  from foreclosing on my home of 23 years in XXXX  when I became disabled from work injuries. They scammed me for nearly {$3000.00} and I lost the house anyway along with {$40000.00} over the amount I owed on the Mortgae that was kept by XXXX a.k.a. XXXX XXXX XXXX. So thanks a lot CFPD and I hope everyone who reads this understands that this is all XXXX and nothing will be done you are wasting your time because whatever response these companies throw out there the CFPD will accept it and close your complaint. Here 's my number if anyone needs me to repeat what I just said XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are accounts from XXXX XXXX XXXX on my credit report they have been removed from other credit companies this has been going for months they take the accounts then place them back then take them off again just alot of up and down they need to be removed and deleted XXXX  XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$36000.00} XXXX  XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$25000.00}

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 2022-10-19
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I submitted a dispute to XXXX and Equifax because I received a credit alert that my score had dropped over 200 points. In the dispute, I provided corporate documentation to show that they were reporting a XXXX corporate account ending in XXXX, on my personal credit file in which the usage caused me to lose two credit cards which were in good standing a XXXX XXXX  XXXX with a {$15000.00} credit limit, a XXXX XXXX XXXX with a {$12000.00}, denial for a mortgage loan, and the limit on other credit cards to be reduced because of the high usages. I informed them that the business 's high usage was killing my credit score, I went from XXXX to XXXX. 
In my dispute, I provided Corporate Documents ( Articles of Incorporation, an Ein letter, a Credit Card statement showing the Corporation name, and the letter from the creditor showing it was a business account ). I have called several times and they refuse to remove it from my credit file and changed it to an individual credit account which is inaccurate. This has cost my family financial hardship. I went from an excellent credit rating to a fair rating because of the business usage being reported on my personal file. XXXX removed it from my credit profile, but Equifax and XXXX refused to do so. I have submitted 4 disputes and they still refuse.

Company response to consumer: Closed with explanation