BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-20
Company: EQUIFAX, INC.
State: TN
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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened a new account a few month ago. Since that time I have been trying to set up an on line account so I can have my direct deposit go to my account. After numerous very rude and unhelpful calls they are unable to help me. I checked my balance at a foreign ATM and TD bank charged me {$3.00} leaving my bank in the negative. I tried again to set up an online account as I am home bound at this time. Once again, it could not process my request. I then called XXXX atXXXX XXXX XXXX. She s the person I set up my account with. Once again rude unhelpful people calling me honey sweetie etc. and still no help. I then called XXXX at the XXXX office XXXX XXXX XXXX and told him I wanted to close the account to which he replied you have to come in to do that because you have a negative balance of {$3.00} ... I told him I was unable to come in and he said that he could not close my account. At this point I was so frustrated and angry I yelled CLOSE MY ACCOUNT NOW! I detest this bank and their rude unprofessional unhelpful customer service. Can you please help me to close this account. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: CT
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: NAVY FEDERAL CREDIT UNION
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX I sent Navy Federal Credit Union a letter for Validation of a Alleged debt under the Fair Debt Collection Practices Act, On XX/XX/2021 they received it. 

The letter Clearly states that Navy federal Credit Union had 30days to validate the account and respond to the account listed on my XXXX account and they failed to respond in the allotted timeframe bearing my signature meaning the original contract. 

The letter also states that their claim can not and will not be considered if any portion of the form I sent is not returned and completed with all requested documents, they failed to do that as well in accordance to the Fair Debt Collections practices Act within 30 days It is now XX/XX/2021 and Navy Federal sent me a letter with none of the information requested, no documents bearing my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
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: Report provided to employer without your written authorization

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: IL
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2023-11-20
Company: EQUIFAX, INC.
State: MI
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:
On or around XXXX XX/XX/XXXX I filed CFPB complaint XXXX. XXXX XXXX marked it as a duplicate of CFPB complaint XXXX to prevent from having to respond. This is the second time they've employed such tactices because on or around XXXX XX/XX/XXXX I filed CFPB Complaint XXXX. Instead of reading through the complaint and examining the attached documentation, XXXX XXXX XXXX AGAIN chose to close the complaint and mark it as a duplicate of complaint XXXX. However, whereas complaint XXXX was regarding account XXXX and the data furnished to XXXX, complaint XXXX was regarding XXXX and the error in the Date of First Delinquency -- It says that in the first few sentences of the complaint. XXXX XXXX has a habit of closing out complaints when it does not like to respond in an effort to avoid dealing with the issue. In this case XXXX XXXX is most likely closing out these complaints because it knows or has reasonable cause to believe the information it is furnishing to Equifax for XXXX is inaccurate. [ ORIGINAL COMPLAINT ] : On or around XXXX XX/XX/XXXX I disputed the date of first delinquency reported for a XXXX XXXX Account/Tradeline in my Equifax credit file. Equifax alleges they conducted a ( re ) investigation and returned the results on or around XXXX XX/XX/XXXX. The results claim the date of first delinquency was verified as accurate by the data furnisher, XXXX XXXX XXXX. However, on its face this information is false because XXXX XXXX response to CFPB complaint XXXX, dated XXXX XX/XX/XXXX, makes clear " Our office did not mail billing statements during the time-frame of XX/XX/XXXX, through XX/XX/XXXX, billing statements were suppressed while the loan account payments were deferred. '' Moreover, the same XXXX XXXX response goes on to state for XXXX : " A disaster forbearance was granted from XX/XX/XXXX to XX/XX/XXXX. '' Thus, the account was in forbearance prior to XX/XX/XXXX from XXXX XX/XX/XXXX until XXXX XX/XX/XXXX and there would be zero ( 0 ) delinquencies for this account if unpaid until after XXXX XX/XX/XXXX, which was the due date of the first bill after the deferment ended. Therefore, the derogatory narratives alleging the account was 90 - 119 days past-due, and the alleged date of first delinquency of XX/XX/XXXX. Given the above quotes are taken from XXXX XXXX own responses to CFPB complaints, information supplied by XXXX XXXX directly, XXXX XXXX knows and/or has reasonable cause to believe this information is inaccurate, but has opted to forego changing the patently false information it is supplying to the CRAs and has instead chosen to allege the information is " accurate. '' This is the epitome of willful negligence. This sort of behavior is unfair and unlawful and defamatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
State: IN
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  XXXX  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  XXXXand XXXX XXXX XXXX  XXXX  XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: DE
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 am submitting this CFPB Complaint for the 4th time to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. My previous complaint and most recent # is ( XXXX ). Now I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, Nor have i gave my written consent for any transaction regarding the acquiring of goods, services, or money. I kindly request the Equifax, Credit Bureau will remove and block these specified remaining inquiries as a result of the alleged identity theft : Inquries From Equifax as a Result of Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. It should be noted that certain inquiries have already been deleted by other bureaus Such a XXXX, raising concerns about their reported history in accordance with FCRA Section 605B. I Appreciate You CFPB for stepping in and making sure my rights are not violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: TX
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:
These accounts are all reporting inaccurate information on my credit profile. Have tried many times to get these accounts off and yet these still remain. Please remove these accounts from my credit profile. 
Creditor : XXXX XXXX XXXX XXXX XXXX Amount XXXX Date Opened XX/XX/XXXX Creditor : XXXXXXXX XXXX  : Account XXXX Amount XXXX Date Open XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXXXXXX Amount XXXX Date Open XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: TX
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:
These accounts are all reporting inaccurate information on my credit profile. Have tried many times to get these accounts off and yet these still remain. Please remove these accounts from my credit profile. 
Creditor : 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 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 2021-10-25
Company: Freedom Mortgage Company
State: DC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am writing to dispute the accuracy of a late or delinquent payment reporting by Freedom Mortgage. Freedom Mortgage failed to apply funds they had on-hand prior to the due date and subsequently reported I was late in payment because, they overpaid DC Office of Tax and Revenue for property taxes from the escrow account. Freedom Mortgage stated their decision to not apply funds is based on internal policies and agreements that allows them to hold funds ( and not apply them for payment ) when there is a shortage. The justification for the shortage ( e.g., their lack of proper due diligence and care ) was irrelevant to their decision.

Similarly, after recognition of the potential error and oversight by Freedom Mortgage ( they were given a copy of the revised tax assessment letter ) in the overpayment ( i.e., I was told but not given evidence of their attempt ( s ) to contact DCs Office of Tax and Revenue for clarification ) they did not provide sufficient time for a response by the DC government. I say sufficient time as it is widely known there are ongoing delays in US Postal Service delivery services and delays and challenges with government agencies ability to respond to requests due to COVID-19 constraints.

Freedom Mortgage reports derogatory information to the credit bureaus they refuse to later correct while they are in the process of clarifying and understanding their own errors as later corrected by their overpayment notice and payment check to me for funds due. When calling Freedom Mortgage to request a retraction of their notice of late payment they refuse stating they have internal policies ( not shared ) to prohibit such retractions unless they made an error. I was unable to reason through how this was not an error and did not get an answer as to why if there was no error, I was sent a check for the amount overpaid. Again, they simply did not allow time to understand their error and allow for a practical resolution, then failed to make whole ( e.g., return funds and correct the credit record ) following their error, all while having funds available to apply for payment.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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: Investigation took more than 30 days

Complaint:
RE : Dispute of Inaccurate Information on Credit Report Dear TRANSUNION, I am writing to inform you that after multiple attempts to dispute inaccurate information on my credit report, you have failed to comply with the law.

I have already disputed this information with you through the CFPB, multiple times. However, you have failed to remove the inaccurate information.

This is a violation of the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i - Procedure in case of disputed accuracy which requires credit bureaus to remove inaccurate information from credit reports.

Notice of Dispute violation via Section 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute. 

The FCRA also gives me the right to sue you if you fail to comply with the law. 
I am requesting that you delete the following accounts attached to this complaint from my credit report within 15 days : If you fail to delete these accounts within 15 days, I will be forced to take legal action.

Enclosures : Copy of credit report with disputed items circled Documentation supporting your dispute

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & XXXX XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 fumish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of sevoral laws under The Fair Credit Reporting Act.

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 2022-04-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This was not sent is error i am a consumer by law and my information as misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX balance {$460.00} account # XXXX 30 days late in XX/XX/2022 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 2021-11-09
Company: CarMax, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
1. On or about XX/XX/21, I received the attached XX/XX/21 statement which clearly states : a. there was NO amount due b. the principal balance was {$760.00} c. the Amount Paid Ahead ( i.e. " excess payment amounts '' ) was {$500.00} d. I called Carmax on XX/XX/21 2. After several lengthy holds while the customer service agent discussed this matter with her supervisor, she finally returned to the phone and after another lengthy discussion, she agreed that the aforementioned " Amount Paid Ahead '', ( i.e. {$500.00} ) would be applied toward the Principal Balance ( or {$760.00} ), leaving a balance of {$260.00}, which I promised to pay, and did, by XX/XX/21. I did. 

3. On XX/XX/21, when I looked at my account, it showed my account balance was still more than {$500.00}, eventhough I had paid {$760.00} ( excess payment amount applied was {$500.00}, plus my direct payment of {$260.00} on XX/XX/21. 

4. CarMax is " taking '' my excess payment amounts '' by alleging that that {$500.00} was " posted '' to the XX/XX/21 and XX/XX/21 payments. This is a ludicrous and untenable position, since the statement shows no balance due. Those excess payment amounts are mine, not CarMax 's.

5. CarMax has engaged in fraudulent business practices, has, in effect, extracted a prepayment penalty, and is collecting excess finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay.

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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