BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
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:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : Name : XXXX Acct # XXXX Name : XXXX XXXX  XXXX XXXX Acct # XXXX Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX Acct # XXXX Name : XXXX  XXXX Acct # XXXX Name : XXXX  XXXX Acct # XXXX Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX Acct # XXXX 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 purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is my 5th attempt at respectfully trying to achieve a lawful resolve of my situation. I've asked on 3 occasions to have an investigation of items that are reporting inaccurately on my credit report be removed. My cases were closed as the credit bureaus were using stall tactics claiming that I was using a 3rd party to submit these requests and that additional authorization was needed. I reopened my cases submitting proof that no 3rd party existed in submitting my disputes. I've recently received notification from the credit bureaus that the inaccurate information that continues to report has been verified. There is NO WAY that this can be true. I am invoking my rights per the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D for the credit bureaus to PROVE that they have actually DONE an investigation and not just submitted a response per a computer-generated document. These erroneous entries are detrimental to my overall credit rating and have caused me severe financial and emotional distress. This complaint is not being submitted through a 3rd party and by NO MEANS are there any additional authorizations needed for my inquiries to be addressed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet XXXXTransUnion refuses to remove me from being listed as XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX/TransUnion job for them to shield my credit & prove my identity. I've sent documentation of the concerned XXXX in question prior and they STILL refused to FIX this damaging negatives from my profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$3400.00}

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 2021-05-04
Company: SYNCHRONY FINANCIAL
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:
Violation of FCRA Sec 604. Improper use of my credit report without my authorization. This company is reporting a fraudulent hard credit inquiry on my credit report. This is a violation of the FCRA Sec 604

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 2023-10-21
Company: EQUIFAX, INC.
State: MI
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:
Hello ; to whom it may concern, I recently sent out letters to the three major credit bureaus asking them to investigate my credit report to ensure everything is accurate and verified. I even went a step above and circled everything that was inaccurate on my credit reports before sending them out. After getting a reply from the bureaus saying that everything is accurate, verified and or updated, I noticed that there are still inaccuracies within my reports. I am a XXXX XXXX XXXX XXXX looking to buy a home for my family and I absolutely need to have accurate credit reports to ensure my success in doing so. Also, all of my documents will be mailed out from the investigation. 


In accordance with the fair credit reporting act or the FCRA, the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have the right to privacy. It also states that the banking system ( credit bureaus ) is dependent upon fair and accurate credit reporting.

15 U.S.C 1681 section 604 A section 2 ; states a consumer reporting agency cant furnish an account without my written consent.

Company response to consumer: In progress
Consumer complaint received 2022-07-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Two unauthorized credit card transactions, one from XX/XX/XXXX XXXXXXXX XXXX in the amount of {$640.00} and the second one from XX/XX/XXXX XXXX WEB UPGRADE in the amount of XXXX are both fraudulent charges I reported to Macy 's XXXX XXXX American Express credit card in XX/XX/XXXX after receiving an automated text message from Macy 's Card Fraud Free DSNB alert system notifying to reply 1 for Yes and 2 for No for an additional {$34.00} fraudulent charge that was about to be posted, which I replay 2 for No. 

I then contacted Macys fraud dispute number at XXXX to report that I have not use the Macys credit card in the month of XX/XX/XXXX at all. Macys customer support canceled the credit card ending in XXXX and issue me another credit card ending in XXXX which I did not received in the mail. The card ending in XXXX was reported as stolen and then Macys sent me a second credit card, ending in XXXX, which I did received, and it is the only Macys credit card I have use AFTER XX/XX/XXXX. 

Instead of XXXX 's deleting, canceling or refunding the two fraudulent credit card transactions, Macys transferred the two fraudulent charge amounts from credit card XXXX to my current credit card ending in XXXX and reposting both fraudulent transactions again with a new transaction date of XX/XX/XXXX. 

I have contacted Macy 's several times about this issue and they refuse to take out the two fraudulent transactions out of my account while currently, the account shows that I need to make a minimum monthly payments for these two unauthorized transactions.

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 monetary relief
Consumer complaint received 2023-11-05
Company: MOHELA
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted on-line dispute twice to all three credit bureaus ; XXXX, XXXX and XXXX to have them to update my student loans in the amount of {$97000.00} as paid in full and that the account has been closed. Pay off date which is listed in the letter is XX/XX/XXXX. Mohela which is a Department of Education Servicer sent two letters to me to notify me and stated that they have contacted and sent this information to all three credit agencies. When I received the update from XXXX and XXXX nothing has change on the credit file ; the amount of {$97000.00} is still outstanding, which effects my credit debt ratio and the account is still open. 

Mohela has been contacted again and stated they will try again and reassured me this information regarding pay off is still listed on their website However, I have retain personal copies of both letters. I tried a third time by submitting the same information in writing along with copies of the letters from Mohela only to receive the same results. 

For the third time I submitted the same information in writing to all three agencies, along with copies of the both letters from Mohela, only to receive the same updated information as of XX/XX/XXXX that the amount of {$97000.00} is still outstanding and the account is open and not closed. I gave both XXXX and XXXX a call and spoke with a representative. Both stated that they did not receive any information from me or Mohela and that this information will remain until paid in full and even after being paid in full the information will remain on my credit file for the next 10 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, 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 recently got a copy of my credit report and noticed a suspicious accounts on my report. I have tried disputing this information already and I got no action. The accounts are not mine and are negatively impacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The notes are, the bureaus arent following their own rules and guidelines, the 609 debt validation was sent as well as a demand to comply with no response.

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 2018-08-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I contacted my mortgage bank, Fifth Third Bank, to question how my escrow payment would be adjusted if I paid the first installment of my XXXX taxes in XX/XX/XXXX instead of XX/XX/XXXX. I wanted to do this so I could claim this payment on my XXXX tax returns. I knew my deduction would be limited on my XXXX tax returns due to tax law changes. The Fifth Third representative told me that they would make the payment for me as they were for many of their customers. I confirmed that I wanted the payment made by XX/XX/XXXX. 

In XX/XX/XXXX I received my Escrow Statement which did not show the extra payment. I contacted Fifth Third and they told me that they did not make the payment because they did not have a tax bill. I asked why they did not contact me before the payment deadline and they had no explanation. 

We had several discussions where they kept apologizing but offered no compensation for my lost tax benefit. I have calculated that I lost {$1800.00} due to their negligence. 

I hired an attorney to send a letter to Fifth Third on my behalf. We submitted our first letter on XX/XX/XXXX. We received no response. We sent a follow-up letter on XX/XX/XXXX. We still have not received a response. The letters were sent via certified mail so we know they were received. 

We would like your help to get Fifth Third Bank to respond with a payment of at least {$1800.00} and cost of legal services. Their lack of and response is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and anxiety. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2022-07-12
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX  XXXX Balance : {$680.00}

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 2023-05-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to formally request the removal of a debt from my credit report due to the failure of XXXX XXXX XXXXXXXX XXXX XXXX to comply with the provisions of Law 1006.34. This law protects consumers by establishing specific guidelines for debt collection practices and granting consumers certain rights and remedies. After thorough review of my credit report, I have discovered that an invalid debt is listed on my account. The debt in question is associated with XXXX XXXX  XXXX XXXX. Pursuant to Law 1006.34, debt collectors are required to validate a debt upon request within a specified timeframe. Failure to provide proper validation or demonstrate that the debt is valid and enforceable renders the debt invalid and unenforceable, as well as necessitates its removal from the consumer 's credit report. This company has failed to respond within the specified timeframe or provide any evidence validating the debt. I kindly request that you remove the invalid debt from my credit report immediately. It is important to note that any negative reporting or reference to this invalid debt on my credit history is inaccurate and unjustifiable. I trust that you will handle this matter with utmost diligence and in accordance with the laws governing credit reporting. Thank you for your attention to this matter and for upholding the consumer rights. I look forward to a swift resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09
Company: BOK FINANCIAL CORP
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
House fire on XX/XX/19. Damage was under {$40000.00}. Check for structure endorsed and returned after I had to quote XXXX/XXXX/CFPB Guidelines to XXXX who handles claims for my mortgage company, Bank of Oklahoma. Then a second check was submitted which was for storage of contents, cleaning contents, moving contents. All paperwork was submitted from me and from XXXX XXXX. I uploaded everything to XXXX 's site. I gave permission to endorse check and send to XXXX XXXX. XXXX had the W9, my permission, Waiver of Lien, 3rd Party Authorization Notice, Repair Intent, Certificate of Completion, COI. They made an error and said they did not have all the info and sent the check, regular mail to XXXX XXXX for Endorsement. They said that was their policy. Then, the Manager, XXXX tells me it was their error. It should have been endorsed. Now, XXXX XXXX is out money for at least another two weeks. I am in the mortgage industry and I hear complaints like this all the time. XXXX does not follow guidelines. They constantly loose documents which is what happened here. I have had to take time to all at least 5 times to get this fixed. Each time, am told something different.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: WELLS FARGO & COMPANY
State: NC
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:
XXXX never notified me of the outcome of an investigation into an account/credit card and refuses to correct inaccurate information on my account listed as WF Bank NA. On my credit report it is listed as a closed/charged off credit card account opened in XXXX with {$15.00} written off. I have disputed this twice with XXXX. Neither time did XXXX notify me of the outcome or share information. On my credit report the phone number for the company listed as XXXX is not a working phone number. 
My report shows that XXXX " Completed Investigation of FCRA dispute on XX/XX/XXXX but no results or information has been shared and this has not been corrected or removed. In addition, this is listed as a " joint account. '' Also on my report, a " reinvestigation info '' section reads that the items were " updated from our processing of dispute in 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 2023-03-22
Company: EQUIFAX, INC.
State: VT
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, 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 an 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. 

****************************************************************************************************** In accordance with the Fair Credit Reporting act, XXXX # XXXX, has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy XXXX XXXX. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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. 

*************************************************************************************************** In accordance with the Fair Credit Reporting act, 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 an 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. 

*************************************************************************************************** In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX 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 an 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. 

*************************************************************************************************** In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX 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 an 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