BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-25
Company: AES/PHEAA
State: NC
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:
Fedloan Servicing does not keep up to date accurate records for accounts serviced. I sent Fedloan a letter to exercise quite verify balance and accounting information. I requested the original contract with signatures and they had 30 days to reply. I have not received any documents from the services with original contract. The amount that is being reported to the credit bureaus in inaccurate and larger than the original loan. Also they are reporting multiple late payments that are inaccurate. Please assist in remedying the situation. Per fcra the information reported should be accurate or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX is still showing my account as negative and this re-aged tradeline has still not been removed. The Credit Reporting Agency has failed to delete the tradeline, relying on XXXX inaccurate reporting of the account. The fictitious account debt ( that I do not owe ) originally stemmed from a disputed XXXX XXXX charge, which was transferred to XXXX in XXXX. XXXX unlawfully re-aged the XXXX disputed debt to make it appear that it was a more recent debt. The underlying debt, however, is over seven years old and must be removed since any debt over seven years old must legally be removed from a credit report. Here, the debt is stale dated but also stemmed from disputed charges, which XXXX XXXX agreed to remove. After notifying XXXX that it was furnishing inaccurate information to the Credit Reporting Agencies, XXXX re-aged the account ( making it appear more recent than it was ) instead of deleting it. XXXX has been the subject of multiple enforcement actions by the government. Here again, by furnishing false and misleading formation to the Credit Reporting Agencies, XXXX is in violation of the multiple CFPB consent orders that are currently in place. Please ensure the deletion of the XXXX tradeline from my accounts to help avoid litigation. This debt has been transferred around to multiple lenders and is over seven years old. As such, this tradeline should be immediately deleted from my credit bureau reports. I would also CFPB to provide any factual findings so that I may use them in a FDCPA action against XXXX and a FCRA action against the credit bureau for its failure to cease reporting inaccurate information. These parties were notified of the inaccuracies on my credit report on numerous occasions but failed to take action to correct the errors so are in violation of several consumer protection laws.

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 2021-02-18
Company: WELLS FARGO & COMPANY
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I returned a call to XXXX XXXX XXXX XXXX in response to a voicemail indicating an injunction was being filed against me. The agent for this purported law firm ( I believe her name was XXXX XXXX became angry when I didnt agree with her about the debt. She threatened legal action, made a false claim about the statute of limitations on this debt, and claimed she would close all my checking accounts within 30 days. Furthermore, she disconnected the call before I had a chance to respond. This is consumer abuse. We could have discussed the account and resolved the matter, but this agent insists on using bully tactics to get her way. I refuse to reward that behavior.

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 2022-07-23
Company: Mr. Cooper Group Inc.
State: OK
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2022 I dispute this debt in its entirety. 
I do not authorize your company to purchase homeowners insurance for my home, and I will not reimburse you for any insurance payments for any reason. 

Your company, RightPath, has not validated any debt that concerns me. Your Consumer Financial Protection Bureau ( CFPB ) form letter response submitted on XX/XX/2022, within twenty-four ( XXXX ) hours of my CFPB dispute and complaint on XX/XX/2022, states that you completed an investigation that validates a debt. The few photocopies of random numbers and meaningless abbreviations that you attached in your response prove nothing that concerns me but are an attempt to deceive and confuse a consumer. 
The charged-off loan you referenced contained acts of fraud and violations of federal real estate laws from its inception and throughout, and was closed on XX/XX/2022, by the previous loan servicing collection agency, XXXX XXXX XXXX XXXX In my CFPB dispute/complaint to your company on XX/XX/2022, I stated that the fraud and violations had been addressed in my previous CFPB complaints to XXXX XXXX  XXXX XXXX That is why they charged it off with a XXXX balance. I have documentation that substantiates my statements. Rather than conducting a thorough investigation of this fraudulent closed loan, where the fraud and violations were blatant, you have chosen to ignore my CFPB complaints to RightPath and XXXX XXXX XXXX and attempt to perpetrate the fraud by attempting to extort money from me, while attempting to abuse and intimidate me with suggestions of my credit being negatively affected and continuing with pre-foreclosure on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested in disputing all incorrect information submitted in the files with Equifax asap. checking this information everything Is inaccurate. please delete an remove the data listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
In XX/XX/XXXX i submitted an inquiry to the irs as I had failed to receive my round 2 stimulus in the amount of {$600.00}. On XX/XX/XXXX of XXXX I received a reply which lead me to discover the funds were sent via direct deposit in XX/XX/XXXX to a checking account with NFCU I used on my XXXX tax return. An account which as of XX/XX/XXXX was no longer open. Instead of sending the funds back to the treasury as per my findings, so a paper check could be issued. Navy Federal diverted the funds to my savings account which while still technically active. Had not been used by me in over a year. In addition, as my contact info was not updated I did n it receive statements and my online access was non active. Navy Federal then allowed the funds to sit in my inactive savings for upwards of six months so I was informed by a representative, only to then be allocated to help satisfy a charged off credit card I have with the credit Union. When I spoke with them I did so with a good degree of understanding as far as their collection process goes. This XXXX due to my having been employed with them previously as a senior collections representative. That being said I know it is not standard procedure to divert direct deposit funds automatically to alternate accounts without speaking with the member. Especially when it comes to federal funds. I also know their collection system " XXXX XXXX '' monitors any pending deposits for members with outstanding lending products. So it was known my {$600.00} payment was coming prior to it even arriving and the diversion request made preemptively. I also know the {$600.00}! would have shown on the daily reports assigned to collections reps. So the moneys were left there intentionally but without a doubt monitored. I can only assume in anticipation of either new activity on my part. Or for enough time to pass for them to assume I'd never realize it was there. Mind you I was no longer using this account which statements show. Regardless, it never should have went to the savings in the first place. This rings of deception per my understanding of XXXX. While writing this I did attempt to pull statements to provide. Only to discover that while my savings is open, it is in a credits only status and my online access has been restricted. Per the representatives I spoke with however up to my round 2 payment being taken by NFCU the account was open and available for use. I had to request statements be mailed to my address. I do give permission for CFPB to request them for review purposes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Called Rocket Mortgage because they refuse to apply my principal and interest payment to my loan unless I pay the escrow payment also, which is unnecessary because we sold our house and close on it later this month. That money is ours, it comes back to us, and is not required for accurate credit reporting. They can't force a late payment on me for not paying thr escrow account during a home transaction when the principal and interest was paid on time. If they report negatively, then it will prevent my home transaction during my move. This is not legal. Escrow payments are voluntary. Not forced.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed damages on my credit report. According to the 15 U.S.C1681 law, there should not be any damages to my report. This is a deformation to my character.

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 2022-09-12
Company: Experian Information Solutions Inc.
State: VA
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 bureaus stated my account was properly investigated but, how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date reported is inaccurate.this is grounds for removal. They also violate 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 section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-02
Company: LEXISNEXIS
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:
I would like for you to assist me in removing this bankruptcy from my credit report. I never filed for XXXX and this is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022, I ordered from XXXX website - XXXX XXXX doing business as ( d/b/a ) XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX I ordered one ( 1 ) handheld language translator plus warranty and extra long cord for an approximate total cost of {$120.00}. Unfortunately, something was amiss, not disclosed or was clearly misrepresented. My PAYPAL account was charged {$260.00} for five ( 5 ) handheld language translators and {$84.00} for warranties totaling {$340.00}. Steps taken to return merchandise in accordance with sellers return and refund policy plus numerous efforts to obtain a refund through Paypal 's dispute resolution have so far resulted in denials and findings in favor of the Seller. Despite written emails from the seller confirming that refund is in process, to date, my PayPal account has not received a return of funds from the Seller. Warranty fees charged by the seller has not been acknowledged as part of money to be refunded.

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 2023-03-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a dispute on a charge as soon as I found out there was an issue. I was notified via XXXX XXXX who XXXX contracts with that the rental we reserved was no longer available a few days before we were supposed to be going to XXXX with our children. This caused us to spend XXXX  of dollars to make last minute changes. We booked the hotel months in advance and filed a dispute immediately after trying to resolve it with the merchant. USAA accepted the dispute on XX/XX/2023 and told me there would be temporary credits posted to the account within 10 days. This never happened and after 7 phone calls to the bank I finally had to file a lawsuit just to get someone to call me back in late XXXX. They then closed the dispute with no communication and reversed the credits they placed on the account on XX/XX/XXXX  they state because it was not handled within 60 days. THEY did not handle it within 60 days.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: NJ
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 contacted XXXX, XXXX and Equifax via phone dispute, online an mail regarding XXXX XXXX XXXX XXXX. They are reporting me as being late XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. I have NEVER been late. This is a closed account that was paid in full and NEVER late. I asked for it to be DELETED or REMOVE all of the above inaccurate reporting. They are in violation of US Code 1681. They would return my request stating it is verified. I told them to show me verification which they could not because I was never late. Also XXXX will not remove XXXX XXXX from my credit inquiry. I don't have an account I have never applied.Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: GA
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 Reporting Act. The List of accounts below has violated my federally protected rights to privacy and confidentiality under U.S.C. 1681. 

XXXX XXXX XXXX XXXX Acct # XXXX, First Premier Acct # XXXX, XXXX XXXXr Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX 15 U.S.C. 1681 Section 602A States I have the right to privacy.

15 U.S.C. 1681 Section 602 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681-2 ( 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 inacurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: Experian Information Solutions Inc.
State: WI
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 believe that Experian is in violation of the FCRA and my consumer rights. Per the FCRA 623 ( a ) ( 5 ) If the Credit Bureau can not legally validate disputed information with the original creditor, they must remove said information from consumer profile. The listed bankruptcy had not been legally verified/validated. I have proven more than once with letters and other documentation from the Bankruptcy Courthouse and Pacer Email correspondence that neither entity report to credit bureaus or to third parties. Furthermore, each entity stated they do not confirm bankruptcies due to privacy laws. In fact, it is third party providers who collect information and in turn sell or give it to the CRA. However, per Rule 9037 of the Federal Rules of Bankruptcy Procedure - bankruptcies must be verified/validated by matching consumer 's FULL Social Security Number. Yet per section 205 ( c ) ( 3 ) there is no way to match social security numbers due to privacy compliance that states no one 's full social is to be listed on a public records cite. Despite these laws, XXXX maintains that the bankruptcy listed has been verified. First they claimed the furnisher was XXXX XXXX. When I proved XXXX XXXX has no bankruptcy listed within my consumer profile they switched to claims that they verified with original creditor, which is false & fraud. They have never legally verified with the courts or pacer. 
I've been battling with XXXX regarding this since XXXX. Whenever they initiate a dispute or reinvestigation because I sent proof they're claims of verification are fraudulent, they close out the dispute or reinvestigation within an hour claiming verified. This is an additional violation of the FCRA Furnisher and Dispute Investigation Rule.

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 2022-12-16
Company: EQUIFAX, INC.
State: WA
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:
See the attached documents. WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions 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:
I recently received a copy of my Experian credit report. The credit report shows an inquiry that I did not authorize. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. The FCRA states that the only permissible purpose for pulling someones credit is for : Firm Offer of Credit , Insurance, Employment, Court Order. Please delete the following unauthorized inquiry immediately XXXX XXXX XXXX - XX/XX/2021

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