BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-16
Company: Experian Information Solutions Inc.
State: NV
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 not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ********* ( copied from the affidavit attached ) *********

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist purchased BB & T. they have lost my payment and I can not track it down even though I have proof XXXX XXXX sent them the money

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 2022-01-08
Company: Spring Oaks Capital, LLC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I called XXXX to open an investigation concerning an item on my credit report from Spring Oaks Capital for a XXXX XXXX credit card. I advised the representative at XXXX that I had not received a letter prior to this item being added giving me the option to request validation and verifcation of said debt. Because I wasn't given the option to dispute with the collection agency before it being added to my report, I asked XXXX to investigate. I logged into my XXXX XXXX app and saw that XXXX has updated this dispute as valid. It has been nine business days so how is this possible? Also, I never received anything in writing proving this was verified. XXXX did not initiate the dispute in my opinion because why has it updated in nine business days as " Meets FCRA requirements ''? I am now requesting this item be removed from my credit report until an investigation is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: EQUIFAX, INC.
State: HI
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:
The issue is summarized in this letter I am sending to XXXX XXXX via certified mail : Dear Mr. XXXX XXXX XXXX, I appeal to you for resolution of this grievance as satisfaction could not be obtained from your customer service representatives despite much time sacrificed to that cause. 

In the 10 years I have held this home mortgage never has a payment been missed, never late. I have assured this with automatic payments. In XXXX of this year my payment amount increased by {$25.00} due to a tax increase. This incidentally coincided with an extended family vacation. 

Upon return I learned that my on-time XXXX payment had not been credited to my mortgage but instead held in limbo and a {$73.00} late fee applied. All because of this {$25.00} discrepancy. Despite the unfairness of this, I was willing to write it off to unfortunate circumstances, pay the late fee and move on. That is, until I received notification that you had reported my payment Past Due to the credit reporting agencies.

This damage to my creditworthiness with its potentially wide-ranging consequences is unjust and unacceptable. My loan payment was not late. The amount more than covered the principle and interest payments due. The trivial escrow balance in no way justifies this disturbing and damaging course of action by XXXX XXXX. 

I am requesting restitution from you in this matter through 1 ) immediate correction of the derogatory credit reports and 2 ) application of the {$73.00} late fee to my principle balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
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:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the 3 credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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

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 2023-12-13
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute certain information on my credit report that I believe to be inaccurate and incomplete. Upon reviewing my credit report, I have identified discrepancies related to the following accounts : I have attached supporting documents, to substantiate my claims. These inaccuracies are causing financial and emotional distress, and I request a thorough investigation into these matters. I understand that the Fair Credit Reporting Act ( FCRA ) requires you to complete the investigation within 30 days. I look forward to your prompt response and the correction of the inaccuracies in my credit report. XXXX XXXX Date Opened : XX/XX/17 Balance : {$1500.00}, XXXX XXXX Date Opened : XX/XX/17 Balance : {$730.00}, and XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
That XXXX needs to be deleted immediately and showing paid in full not a charge off this company wouldnt provide a XXXX form or honor my gap coverage stealing money numerous times

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 2023-11-24
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX  Balance : {$24000.00}-

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 2022-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
on XX/XX/2021 car was criminally damaged, a unknown person or individual intentionally caused damage to my vehicle. damage outside and inside the vehicle, white unknown substance was poured in the engine, radiator and gas tank, which caused damage to the engine, engine, is fully blown, I requested capital one auto XXXX to come and pick up the vehicle, vehicle is still sitting. and incorrect information is reporting incorrectly on my credit report, i have full coverage with XXXX and XXXX refuses to pay, so I had no choice but to request vehicle be picked up... .we have made many calls to impound and nothing is being done at all, they should be putting a hold on this issue until we get this all squared away...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Vericred Solutions LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I didnt receive anything stating That a investigation was proved to show i owe a debt just got an alert that a company called vericred LLC added something to my report in an attempt to Collect a debt I never received anything in writing from this company and all of a sudden I get an alert that something was being added to my transunion report theres no accuracy verified to me That I owe a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received a copy of my consumer report and its reporting the two accounts that I previously disputed as verified. Im requesting validation pursuant to the FDCPA 15 U.S.C 1692g of these accounts in addition to providing a description of how you certify that the information was complete and accurate. If you can not provide me with factual evidence to support how the accounts below were verified as complete and accurate, you must delete them immediately. 

NAMES : XXXX, XXXX This name is unknown and does not belong to me. Please delete name and any accounts associated with this name. 


XXXX, XXXX This name is unknown and does not belong to me. Please delete name and any accounts associated with this name. 


XXXX, XXXX, XXXX  This name is unknown and does not belong to me. Please delete name and any accounts associated with this name. 

ADDRESSES : XXXX XXXX XXXX XXXX XXXX, NY XXXX this address is unknown. Please delete this address and any account associated with this address. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX this address is unknown. Please delete this address and any account associated with this address. 

INQURIES : XXXX  XXXX XX/XX/XXXXXXXX  This is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 

XXXX XXXX XX/XX/XXXXXXXX  This is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 

XXXX XXXX XX/XX/XXXX This is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 

XXXX XX/XX/XXXX This is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 

XXXX XX/XX/XXXX This is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 

XXXX XX/XX/XXXX This is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 

COLLECTION : XXXXXXXX XXXX Please provide verifiable proof or delete this account for FCRA violation 15 U.S.C section 1681

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 2023-12-13
Company: EQUIFAX, INC.
State: PA
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:
15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo Close Mi account for a frozen charge 3 years ago and also was overdraft free errors in mi account when I was banking whit them I woul like to open mi account back again but I dont how

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Requested a dispute be done. Also ask them to provide info how they investigated also the contracts of my signature. Transunion said they don't have that, but yet have these accounts listed on my credit report. I gave them a chance to cure by removing all negative items on my report. Supervisor told me that don't ask. So how can you verify something is accurate if you don't have the signed contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account saying that the information they gave is precise, with which I seriously disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the accounts immediately! 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX

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 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 filed a complaint against Trans Union not reporting accurate information on my credit report. On XXXX XXXX Trans Union stated that they would dispute the information with the creditor and they would provide me with an update 30 days after the dispute. Trans Union took longer than the 30 days to provide me with a status. On XX/XX/XXXX, they provided me with a status on my dispute stating that my dispute had been Updated. I disputed a late penalty that was placed on my Trans Union credit report by a creditor. The creditor responded to myself and all 3 credit bureaus stating that the late payment was an error and they removed it. Trans Union is the only creditor that is still reporting this late payment. I called Trans Union today XX/XX/2021 on a recorded line and spoke with XXXX. Per XXXX she stated the dispute was complete and the updated and deleted information. I asked XXXX to describe what was updated on my credit report and what was deleted because the late payment that I disputed for XXXX, 2021 still remained on my credit report. I expressed to XXXX that if there are no changes to my dispute it would say remains the same, however it says Updated/Deleted but Trans Union provided no information that was updated. I even asked what was the response from my creditor who placed the mark on my credit report and have uploaded the response from my creditor on their website and XXXX stated she did not know what was updated, she saw that the my credit reports remain the same but she failed to do anything about it and told me they did their part by notifying the creditor of the dispute. I expressed to XXXX that Trans Union is supposed to not only notify the creditor but to investigate and provide me with details of their investigation outcome. Trans Union has not provided me with any information showing that my credit report was updated, it is not and on one at their company can provide me with details on what was updated or a response from what they received from the creditor.

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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 resubmitting this complaint as a follow-up to my previous communication to the XXXX, XXXX, and TransUnion XXXX XXXX the identity theft incident I experienced. According to FCRA section 605b, XXXX XXXX XXXX are obligated to remove and block any unauthorized inquiries listed on an identity theft report. Once again, I have attached the necessary documents to support the blocking and removal of the inaccurate information that has been posted on my report. Below is a list of inquiries that are not associated with me or were opened without my authorization : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Again, according to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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