BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting duplicate accounts for my student loans, which is causing my debt to income ratio to shoe {$47000.00} more than what I actually owe. I was unable to close on my home due to this, which litterally cost me over {$5600.00} in losses due to Equifax negligence. Myself and the merchant ( XXXX/XXXX XXXX XXXX ) have sent several request demanding credit profile correction and yet to date they have failed to update. 
Acct ( s ) ending in : XXXX Amt ( s ) : {$1600.00}, {$2500.00} XXXX {$3400.00}, {$610.00} XXXX {$5600.00} XXXX {$4100.00}, {$6700.00} XXXX {$4500.00} XXXX {$4300.00}, {$5000.00} History of communication : XX/XX/XXXX - XXXX/ XXXX XXXX XXXX submitted to Equifax that a total of 12 student loans were consolidated into 2 new loans. This request updated with all other major credit reporting agencies ( XXXX  and XXXX ) accurately. 

XX/XX/XXXX - I reached out to Equifaxto inquire why updated information had not reported on my credit report. Advised that XXXX/XXXX XXXX XXXX had not sent any updated information to them. 

XX/XX/XXXX - I made contact with XXXX was explained my delima ; advised by merchant that reporting was submitted to Equifax XX/XX/XXXX. However, they would submit another request to have 12 account updated to paid and closed. 

XX/XX/XXXX - Received an update from Equifax stating that merchant verified that current ( inaccurate ) information was correct. 

XX/XX/XXXX - Made another contact with merchanct, XXXX/XXXX XXXX   XXXX and advised to send information that was received from equifax regarding update. Fax send on Monday, XX/XX/XXXX. 

XX/XX/XXXX, received a letter from Merchant, XXXX/XXXX XXXX XXXX, stating " we have sent a request to ALL Three credit reporting agencies, requesting that all account not serviced within the past 7 years be removed from your credit profile/report ''. 

XX/XX/XXXX - received notification from equifax that merchant reported ( inaccurate ) information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit 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, 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 remove or update 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 : Original 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 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 non-monetary relief
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX5 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 2021-12-19
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2021 I the consumer requested Debt Validation 15 U.S. Code 1692g, FDCPA, not verification but validation of said debt. In addition my consumer rights where violated and Im am requesting remedy for violations 15 U.S. Code 1692b ( 5 ) and 15 U.S. Code 1692f ( 8 ). I received mail on several occasions which included such violations. TD Auto is attempting to collect on an alleged debt which validation has been been requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 have been trying to dispute a large amount of money. I have been given the runaround from Capital One. First they lost my certified packet that I sent for my dispute. Then I had to upload over 100 pages to them with an expert who verified that the large charge was invalid. After speaking to many different supervisors they did nothing. They kept telling me that they would escalate this, but in the end I received a phone call from someone who was foreign who had a hard time explaining why this was not allowed. After all of this mess I contacted the Executive Resolution Center ( you can only fax them ) and explained my case along with the Chargeback reason code XXXX, which is where my dispute is valid. This was faxed on XX/XX/2018. I have heard nothing back from them. However Capital One called me the other day telling me that they were adding back XXXX to my card. The Executive Resolution Center does nothing. I have many emails and a paper trail of all supervisors and staff I have spoken to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
These are the other hard inquires XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-12-19
Company: Professional Debt Mediation, 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: Was not notified of investigation status or results

Complaint:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g ACCOUNT NUMBER : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was at the counter at XXXX XXXX applying for a store credit card and was declined. Not only was I disappointed, but I was confused and upset I went and pulled my credit report and that's when I noticed several things on my credit that are not mine! Not sure how this could happen, but I'd like these things taken off as soon as possible. These items are STILL on my credit report : 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 2022-08-08
Company: EQUIFAX, INC.
State: MO
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 credit bureasus stated my account was properly investigated but how is that possible if my my balances are inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without written instruction Also the credit bureaus took more then 30 days to complete my investigation. XXXX XXXX XXXX XXXX Bank 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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance : {$460.00}.

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 non-monetary relief
Consumer complaint received 2021-01-12
Company: CORELOGIC 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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report. 
On XX/XX/XXXX, CREDCO  add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXXXXXX  Date of inquiry : XXXX XXXX Date of inquiry : XX/XX/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 non-monetary relief
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: OH
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-18
Company: EQUIFAX, INC.
State: MI
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 see that you guys validated that these inquiries are accurate when I do not even have an account open with these inquires your are reporting. I would like a copy of my written signature, a written copy of the time and date of when this happened, a written copy of the rep or clerk who handled me as customer or client. I am not of aware of these inaccurate inquires and you are reporting false information on my credit file which is against the FCRA and I ask that you immediately permanently delete these inaccurate items I included these inquires in my FTC report & as well as contacted the creditors and bureaus who say they was goin to handle it & remove these inaccurate items under FCRA Section 607

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
* I enrolled for biweekly mortgage payment for this mortgage ( initially was monthly 30 years fixed ) * I got an official amortization schedule for Wells Fargo, which detailed the exact timeline for the extra principal payments ( given the loan is now paid biweekly rather than monthly, I will have specified biweekly payments which will go towards principal. Specifically, each month in which there are 3 biweekly payments, 1 of them should be fully used to decrease the mortgage outstanding amount ).

* Since then, Wells Fargo has failed to apply the appropriate extra biweekly payments to principal - contrary to the same official amortization schedule they had sent to me * I called them in XX/XX/2023 ( that was the first month in which one of the extra biweekly payments should have gone to principal ). After spending lots of calls and time, they recognized the error and adjusted the account. 

* However, I have now called them again just to make sure that in XXXX we do not have the same error / problem again ( XXXX is the next month in which the extra biweekly payment should go to principal ) and they said no. Again, that is against the very same official amortization schedule they had sent me, so that is an illegal practice ( never have I seen a mortgage provider disrespect the official amortization schedule they share with a customer? ) * I spoke with several escalation managers, but they do not provide you with name / contact details/ emails- all you have is a phone number that you need to spend hours on with. Either way, I submitted an official case with them ( I wanted to provide them with an opportunity to redeem before escalating to CFPB ), but all they did was to ignore the issue and say I can not do anything about it. 

* As a single small consumer, I feel I am being scammed and bullied, and the fact Wells Fargo is not providing me with emails and contact details of actual managers who could solve the issue is unacceptable * As a consumer, I should put full trust in them and what they do- and yet I had to uncover the issue and the problem myself by going in detail through all the accounts payments. I have no faith in them anymore- and to be fair they as an organization are not new to such predatory behaviors against small consumers

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 2023-05-30
Company: EQUIFAX, INC.
State: AL
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 submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This complaint is about Synchrony Bank. I have several accounts with this bank and they suddenly closed them all XX/XX/2021. Since that happened, they have taken me off of paperless statements and after that, they also made it where I can not sign into my account properly to make a payment. I get a message that there is a problem with my account and I should contact customer service. 

This is with happening with all accounts ( I had over 10 cards with them ) when I go in to pay. I have to pay as a guest and can not access my online statements, see transactions, check pay history, and other things that I previously had access to. I called to ask why I started getting paper bills and they stated that is their policy, yet I had paperless because I don't want all of that mail and bills coming to my house. I have not gotten a reasonable explanation about the status of my account access and why I can not use my username and password to log in. When you log in as a guest, you must have your full account number, so I always have to keep the credit cards nearby which makes no sense because none of these cards are valid any longer. I should be able to cut them up and throw them away. I am being mistreated constantly by this company and for no reason. It doesn't make sense to remove my full access to accounts that I am expected to pay each month. Also, I can not set up advance payments, which can cause me to forget and miss payments.

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 2022-11-25
Company: EQUIFAX, INC.
State: MN
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Dovenmuehle Mortgage, 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: Old information reappears or never goes away

Complaint:
The mortgage company is showing that I paid my mortgage late though I spoke with their agent who advised nothing would be reported to my file as long as I paid as agreed. The company states they did but have never provided the recording to qualify this statement. Im being penalized as a consumer and this is unjust and unfair. Upon discovering the discrepancy and incompetence of said agent I immediately remedied the issue. Please remove this from my file as soon as possible

Company response to consumer: Closed with explanation