BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: NJ
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:
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. 

Account Name : XXXX XXXX Account Number : XXXX 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 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 of 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 2022-10-31
Company: Experian Information Solutions Inc.
State: CT
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:
In XX/XX/2022, I found out my current account was closed due to non-usage and spoke with the credit card company and was advised of the new policy of the card account 's new procedures and was advised the account was going to be reinstated. Since XXXX the account has not been reported to the three bureaus as open/never late and I was advised the credit card company would do so. It is now XXXX and the credit card company has not done so I also asked the three credit bureaus about the account status and that I have a current balance and would be advised of the update. The credit bureaus are saying that the account is still closed when as of today I have a current balance.

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 2023-09-25
Company: EQUIFAX, 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'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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
You Navy Federal credit union are not supposed to report this item as negative I will report you to the IRS for tax fraud let me know if you want me to proceed you are in violation of FCRA 15 USC 1681 EB for reporting information that is not 100 %. I demand that you delete this charged off item from my credit report. The next step will be to contact the IRS and request a 1099c form and report your company for tax fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I made an international transfer from the XXXX to XXXX with wells Fargo as the intermediary bank on XXXX of XX/XX/2020. Wells Fargo has held up the funds for no reason and re not responding thereby delaying XXXX for my cousin

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 2022-09-07
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
1. Marcus has not complied with all rules and regulations cited in 15 USC 1693f ; 12 CFR 205.11.

2.Marcus failed to secure my funds and allowed an unauthorized withdrawal of {$230000.00} I am uploading the investigation by the XXXX XXXX XXXX Florida Sheriffs Department validating that your inept, simplified, negligent investigation was no more than a sham. The detailed and more thorough investigation by the Sherriffs major crimes, cyber-crimes, Attorney Generals Office, and Secret Service negate the intensity of your investigation. 
Knowing the lawful facts, we can not conclude Marcus conducted an adequate investigation. Unauthorized withdrawals were conducted by unauthorized users. Marcus did not attempt to limit the amount of the withdrawals. With each of these transactions exceeding the {$10000.00} daily aggregate amount, no Suspicious Activity Report was filed. No communication to this account holder was ever initiated. U.S. law enforcement provides banks with access to resources and tools that can be used to strengthen Bank Secrecy Act ( BSA ) /Anti-Money Laundering ( AML ) risk management programs. 
My funds were removed from Marcus without any recognition of the portent of these stolen funds. You are responsible for this loss. 
1. I would like to see documentation on the extent of the investigation on which you based your findings. It was your duty to offer to share the documents you relied on rather than just a transaction sheet. It is a violation to not produce these documents. Again, the attached investigation by government authorities validates that I did not authorize or conduct these transfers. 
2. Why doesnt every substantial withdrawal trigger a fraud concern?

3. It is also my understanding that if Marcus fails to conduct a reasonable investigation or comes to a completely unreasonable conclusion with the evidence they have, I may have a claim against the bank for violations of the Electronic Funds Transfers Act ( EFTA ). Such a claim entitles the consumer to three times their lost damages plus attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please see the enclosed email sent to SLS today regarding time usurped due to belief caller from SLS XXXX  was from SLS as the phone displayed SLS as the caller. 

That the Short Sale buyer should NOT BE PENALIZED due to this loss of XXXX business days = XXXX days in full. 

There was NO WAY to know the XXXX XXXX from SLS XXXX was NOT from SLS XXXX. 

The timing of the call +emails sent to XXXX marked URGENT URGENT URGENT that went unanswered. I've since been advised that those emails ARE NOT READ? IF the email correspondence is not read with one being unable to get through via PHONE then what is one supposed to do? 
Had no knowledge until this past week probably Wednesday, that the emails are NOT READ. Where do they go? XXXX XXXX and other necessary identifying information is provided with each email This is STRESSFUL. STRESSFUL STRESSFUL not to mention UNFAIR, UNPROFESIONAL & a WASTE OF TIME. 

Further over and above the emails to XXXX are NOT READ the preferred mode of communicaiton for SLS as their phone message states is their new and improved www.sls.net for communicationl I'm told this would be flagged for me, however, I am unable to get copies of any correspoindence I tender through that site. What? 
I've asked XXXX why is there not a cc line so I can cc myself with my language tendered. 
There is not the ability to to cc myself. And FURTHER there IS NOT THE ABILITY FOR SLS TO PROVIDE ME WITH A COPY OF MY CORRESPONDENCE UNLESS I SEND A LETTER TO A GIVEN ADDRESS? 
That is an inconvenient along with time delay way to receive my correspondence 1st I must have time to write to them 2nd I must post an envelope 3rd I must hope it gets there 4th I must hope someone reads it 5th I must hope there will be a reply with my correspondence included. 

This is crazy. Forgive my less than proiessional opinion. Thank you,

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 2023-06-27
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
You Navy Federal credit union are not supposed to report this item as negative I will report you to the IRS for tax fraud let me know if you want me to proceed you are in violation of FCRA 15 USC 1681 EB for reporting information that is not 100 %. I demand that you delete this charged off item from my credit report. The next step will be to contact the IRS and request a 1099c form and report your company for tax fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX *Last XXXX of XXXX : Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Dear Consumer Financial Protection Bureau XXXX I'd like to file a complaint against XXXX XXXX XXXX XXXX I disputed a XXXX account through XXXX, TransUnion and XXXX in XXXX and XXXX of 2022, the account was not deleted from my credit profile after the dispute was completed. As part of the dispute, I requested debt validation to include a contract or contracts signed by ALL parties involved. Instead of a signed contract, XXXX sent a variety of paperwork that didn't include none of what I requested. 


Please help me to either obtain a contract signed by ALL parties involved from XXXX XXXX XXXX or demand that the company cease and desist all collection activities including credit reporting. 


Thanks in advance, 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 2020-06-09
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Funding LLC got a default judgment against me in XXXX, I found out about the judgment in XXXX. Then I filed a motion to set aside/vacate judgment. The judge would not vacate the judgment stating " The he believes that i was served because Midland Funding LLC produced a last minute postal ticket saying that i was served.

I WAS NOT SERVED, I REPEAT, I WAS NOT SERVED. I proved to the judge that I was not even home at that date ( witness affidavit ) and I proved that I was NOT my signature, I tracked the ticket and the ticket showed Nothing as I was " untrackable ''. Though the judge believes the Process server as Midland claims they got the Postal ticket from the Magistrate who issued the default judgment. I need help here as I'm feeling very cheated because I was never served anything to appear.

My i also mention that Midland Funding LLC has violated almost every FDCPA & FCRA in the book, i proved/showed the judge over {$12000.00} in violations by them and nothing is being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00}, and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2023-07-09
Company: Chime Financial Inc
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My direct deposit has been held by chime bank. They have record of the deposit from the IRS and say they can't release my funds due to their system being down recently and the deposit going past the expiry time. I've sent them confirmation of the deposit being sent to them and another document showing my entire tax return. They still said they basically can't help me until it's figured out by their team. My bills are now late, my truck payment is due in 5 days and i have XXXX dollars sitting in limbo somewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
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 Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX US DEP ED : XXXX, USDOE/XXXX : XXXX, US DEP ED : XXXX XXXX US DEP ED : 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 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 explanation
Consumer complaint received 2020-02-24
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have more than 1 time tried to get a modification of my mortgage with my servicing company CHFA. 

in XX/XX/XXXX my house caught fire. it did major damage. I fell behind on my payments, I called for a modification. Sent in the documents and it took 6 months for them to review ( I have emails ), I finally got a forbearance of 6 months in which they were to then modify my loan, they did not because I reinstated instead.

In XX/XX/XXXX I started to fall behind again due to reduction of income. I tried to modify again and again this took 6 months for them to review, again. I filed a complaint with the CFBP and CHFA stated they were within time line ( I have emails to prove they were not and when they received the last documents ). by the time they provided the Modification in XX/XX/XXXX, I was going to take the modification, but then I found out that I was getting a settlement for a lawsuit I had and decided to reinstate the loan, this was reinstated in full on XX/XX/XXXX. 

I have been struggling due to the LOSS draft on the file, CHFA actually does not communicate with their other internal departments and so they sent a property preservation company to my house who in returned caused damage and stole items off my property. I signed a waiver after a small settlement for this claim only. 

They have since entered my house 2 other times still causing damage to the house, this time they are refusing to cover the stolen items and damage. I also called the police who in fact verified that CHFA had this company enter my home ( I have emails that state the house is not vacant, I have verbally told them this on the phone as well and the calls are recorded.

I recently have had to file BK because of this. I have attempted to try again for a modification and found out today they denied me for these reasons : 1 ) NOT HAVING SUFFICIENT RESOURCES TO REINSTATE THE MORTGAGE, 2 ) HAVING HAD A MODIFICATION AND A BROKEN PROMIS PLAN, 3 ) BEING MORE THAN 12 MONTHS DELIQUENT.

These are not valid denial reasons. I work for a loan servicing company. I work with FHA I know that they did not send the file to FHA because I called them today.

The broken promise plan is because I REINSTED THE LOAN, I have the receipt to prove this.

I believe CHFA only wants to take my home and nothing else. 
I am almost done with the remodeling of the home. I have had to extend my own personal money to pay for these repairs because the insurance company refused.

CHFA 's reasons to deny my modification are unwarranted. I want to see what they sent to FHA to review, because I do know that my loan qualifies for the a Flex MOD. the prior modification they speak of do not qualify as I reinstated my loan a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting 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 don't know what happened, but one thing is for sure : this inquiry is not authorized by me and was done by that creditor without my consent! You must remove this as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation