BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: EQUIFAX, 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've contacted XXXXXXXX XXXX XXXX XXXXXXXX XXXX they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late 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 Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax 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 Equifax 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 remove the late payments from this account : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar took over my XXXX XXXX XXXX mortgage XXXX XXXX, since then they have not accepted XXXX payment, took me to court and then my case was dismissed. I have copies of my payments and now 1 year later they are trying to forecolse on me again. I bought this property in XXXX and need to keep it. 
This company is not a comapny that wants to work with anyone they just want to over charge you and then try to steal your property. 
I currently have a renter in the properity and they served her as well on XXXX XXXX, XXXX and now she does'nt think she has to pay the rent. I want this resolved right away so I can move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This inquiry is not authorized and was done by that creditor without permission! 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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 non-monetary relief
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly XXXX Y XXXX XXXX XXXX CT XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: AZ
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 XXXX i filled out a fraud affidavit for them, XXXX XXXX XXXX I filled out a fraud affidavit for them as well still reporting on my credit these are fraudulent open accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I incurred many overdraft fees from debit and credit overdrafts when at the end of the day its my account and I have direct deposit set up so I shouldve never gotten any fees being that I end up paying whatever I owe back. If the money isnt there, why charge me more for something I already dont have. The systems dont accurately show the true balance all the time

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 2015-06-23
Company: NATIONSTAR MORTGAGE LLC
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was recently purchased by Nationstar mortgage. My XXXX statement includes late fees of {$1200.00}. I am trying to dispute this amount. Nationstar claims that the fees transferred from the previous lender, however, I have disputed this as I have my payment history and had no late payments from XXXX mortgage either. XXXX claims the fees transferred from a previous lender. I am trying to refinance this mortgage and need to have these fees removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Viking Client Services
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX has been repeatedly calling my spouse, even though the spouses name and information isnt attached to the account in question. I dont know how they got it and why they would be contacting someone thats not the account holder. They do not leave a message and have called him during work hours more than once. This is inappropriate and needs to stop. I have already been in contact with the company Viking is calling on behalf of for months now, with an arrangement to have money deducted from my account every month. The company did not inform me that they were calling a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account.

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2023-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/23 Put in an application for a Capital One XXXX XXXX card and was given an auto denial based on " Based on your credit report from one or more of the agencies on the back of this letter, credit bureau information is missing or unavailable '' and realized that my XXXX and XXXX credit reports were frozen but the XXXX credit report was not. I was exercising my right granted to consumers under the FCRA, part of the Consumer Credit Protection Act to freeze my credit reports. 

XX/XX/23 Called on the phone to customer service and asked for a manual reconsideration but was told that the application was going to be reprocessed by their system and was given an auto denial yet again. The reason was " Based on your credit report from one or more of the agencies on the back of this letter, there have been too many recent inquiries '' and " Based on your credit report from one or more of the agencies on the back of this letter, time since recent inquiry is too short ''. The system is referencing the previous application that was denied earlier based on my credit being frozen and denying it because the time between the applications are too short. 

XX/XX/23 Called multiple times to customer service and was told they could not manually reconsider my application as they did not have a human underwriting department and would have to be automatically reprocessed yet again most likely resulting in the same outcome and putting yet another hard inquiry ( 2 of them as of now ) for this same application. I did not proceed with the reprocessing. 

The system is denying my the ability to exercise my right as a consumer granted to me by the Consumer Credit Protection Act and is in clear violation of Regulation B ( Equal Credit Opportunity Act ) that prohibits discrimination on any prohibited basis, and 1002.2 ( z ) includes in the definition of prohibited basis the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act or any state law upon which an exemption has been granted by the Bureau.

Capital One 's system is punishing those who freeze their credit reports by auto-denying applications that are reprocessed once the credit freeze is being lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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 a formal complaint regarding the accuracy outdated information on my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) provides consumers with the right to dispute inaccurate or outdated information on their credit reports. I have already reached out to the credit reporting agencies directly, but the corrections have not been made. Therefore, I am turning to your esteemed organization to seek assistance in resolving these issues. 

The credit report includes outdated personal information that is no longer accurate. Specifically, my current address, phone number, and employment details have been incorrectly recorded. It is crucial that this information is updated to reflect my current circumstances accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
In accordance with the fair credit Reporting act this company has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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.

15 U. S. C 1681c ( a ) ( 5 ) States a consumer reporting agency may not make any consumer report containing any adverse items of information other than records of convictions of crimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: WELLS FARGO & COMPANY
State: MD
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, these creditors Wells Fargo Cards Services, XXXX XXXX XXXX XXXX, The XXXX XXXX, and XXXX Card have violated my rights. Under 15 USC 1681 section 602, it states that I have the right to privacy. Furthermore, 15 USC 1681 section 604a, section 2, states that a consumer reporting agency can not furnish an account without my written instructions. Lastly, 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.

Please update my credit file in accordance with sections prescribed above. 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 2021-06-22
Company: TRANSWORLD SYSTEMS INC
State: VA
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:
XXXX XXXX and XXXX  has an account. I sent out dispute letters and I spoke to someone in that Dept. Asking to remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: JPMORGAN CHASE & CO.
State: TX
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:
In accordance with the fair credit Reporting act, XXXX XXXX XXXX and JPMCB Card services has violated my rights. 
These cards were not in my possession at the time of the accused late payments. 

Furthermore, 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX & XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX, XXXX Account number : 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 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 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 2015-06-22
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Nationstar Mortgage LLC around 2 or 3 years ago. During this period, there were no issues with my account. In XXXX of 2015, I decided to make my payments directly from another account rather than have Nationstar draft payments from the old account. Not thinking, I did not update my payment options online in their system and consequently, the XXXX and XXXX payments were sent back because of NSF. I immediately reissued XXXX payments through Bill Payer bringing the account current. The payments for XXXX and XXXX were sent electronically through Bill Payer with no problem. When XXXX 's payment was sent in through Bill Payer, the payment was rejected and sent back to my bank as was XXXX 's payment. When I spoke to a customer service representative, I was told that for a 6-month period, all payments would be rejected unless they are in the form of a cashier 's check, a money order, or etc. I was not notified of this previously. As a consumer, it is apparent that Northstar is using tactics that will create additional fees for the company or even cause foreclosure. Consumers beware! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Experian Information Solutions Inc.
State: LA
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 mailed US post letters to the Credit Bureaus of Experian, XXXX, and XXXX XX/XX/2022 about responding to inaccuracies that is affecting my creditworthiness. I followed up 30 days later for update of letters, with no responses.

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