BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-27
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/2023 - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: AMA Advisors, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started to refinance 3 properties in XX/XX/XXXX with a lender I have worked with for years. I was approved and HomeBridge ( one of the current lenders at that time ) was notified of my refinance. XXXX XXXX, with HomeBridge reached out to me to keep my business, they could do the loan at a less rate & closing costs. I moved one property over, then the other XXXX. I submitted all the requested information, signed all the disclosures and things were moving along. I was assured that my XXXX did not to be filed as we were funding in XXXX. Things started get to suspicious. I was then told in XXXX you need to file your returns and the rates will be expiring. I was getting frustrated as this wasn't what I was told and led to believe. My refinances were then transferred to XXXX XXXX with XXXX to " expedite '' the process and put me top of the line assuring me rates are locked. I have been dealing with XXXX for XXXX  months now on closing the original XXXX refinances. These refinances are unethical when I have signed disclosures, email from XXXX XXXX HomeBridge we need one last piece of info and we can fund by XXXX, then to be strung along for XXXX months to not honor what was started and agreed upon. XXXX didn't return phone calls for 30 days for a business promotion and sometimes a week at time for business travels which dragged on the loan process but I was assured dont worry, your rates are still locked, and with the amount of time this has dragged on and for customer relations, Ill take off $ XXXX {$4000.00} in closing costs on XXXX XXXX XXXX 
I supplied everything that was needed, I was approved, had paid for XXXX appraisals, signed disclosures on all XXXX properties. This dragging it out for XXXX  months, then to have my rates expired ( guess they werent locked ), is on the lender. I did my apart as a consumer and supplied everything as requested asap to close these XXXX refinances. You will see the emails dragging on and on. XXXX reached out to me XX/XX/XXXX and XXXX XX/XX/XXXX says you need your XXXX tax returns, which at that point a XXXX day rate lock is expired, even though I continued to confirm locks were in place. I was told verbally, husband and client had heard the conversation as well. I have emails saying nothing of we need your XXXX returns. She states we want to close in XXXX, please sign the disclosures. On XX/XX/XXXX XXXX reached out to me after being " caught up to speed '' with my scenario of not having my XXXX returns. I want the loans refinanced with the original terms agreed upon with HomeBridge. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: IA
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:
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. 

I told XXXX, Equifax and XXXX to reinvestigate these accounts : Account : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account Name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. See ATTACHED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12
Company: Experian Information Solutions 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:
On or aboutXX/XX/XXXX, a dispute was put in related to XXXX XXXX reporting over the balance and causing a decrease in FICO score. This month XXXX XXXX has made another such internal and external component error for failing to remove from the balance as an adjustment on fraud charges. XXXX XXXX has increasingly target me and the only such financial institution that has reported to Experian to decrease my credit score in an effort to have me remove from obtaining Federal Student Aid with the Government. This is a discrimination effort on their errors to do harm. I have file on their errors and their customer service in the Fraud department are RUDE and Abusive. I received a call from the XXXX XXXX   headquarter that told me two weeks ago that an investigation will accrue on calls. Their agents use the phone to harass and treat me as though I had no education and was a " XXXX ''. The harassment by their continued reporting to harm my credit is very damaging and unfair. The company need to investigate the agents involved in this harassment.. Please investigate! ...

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 2023-10-10
Company: EQUIFAX, INC.
State: WA
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/XXXX, the account did not appear on my credit report. However, it unexpectedly reappeared on XX/XX/XXXX, indicating a delinquent balance. This is inaccurate and a violation of the Metro 2 compliance standards. Specifically, there are apparent discrepancies related to the " date of last activity, '' " past due amount, '' and " date of last payment. '' I am writing to formally lodge a complaint against " XXXX XXXX XXXX '' and the Credit Reporting Agencies ( CRAs ) XXXX and Equifax regarding their unacceptable credit reporting practices. Despite my account with XXXX XXXX XXXX being closed in XX/XX/XXXX due to fraud, these entities continue to report the account as active. Furthermore, XXXX refuses to address the issue, asserting that the account complies with the Fair Credit Reporting Act ( FCRA ). 

I believe this conduct constitutes a breach of the Fair Credit Reporting Act ( FCRA ), particularly sections 623 ( a ) ( 2 ) and 623 ( a ) ( 5 ). According to Section 623 ( a ) ( 2 ), furnishers must provide accurate information, which they have failed to do in this case. Section 623 ( a ) ( 5 ) mandates that furnishers report the delinquency date to the CRAs, which has been incorrectly handled here. 

Furthermore, this erroneous reporting violates the Consumer Financial Protection Bureaus ( CFPB ) Regulation V, which implements the FCRA and has been disregarded in this instance. Under Regulation V, furnishers must rectify and update inaccurate information, a responsibility they have neglected.

The inaccurate reporting by these entities has had a detrimental impact on my credit history and score. Consequently, it unfairly hampers my ability to access credit and other financial services. XXXX  XXXX XXXX and the CRAs ' ongoing negligence and failure to comply with consumer protection laws and Metro 2 compliance standards are causing significant harm to me.

I am asking for an immediate investigation into this matter by the CFPB. Also, I demand that the CRAs correct my credit report to delete the erroneous information, accurately reflect the status of my account, and ensure future compliance with the FCRA and Metro 2 standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Money Theft, Embezzlement, Fraud, and Written Contract violation by Wells Fargo & Co and XXXX XXXX XXXX XXXXXXXX XXXX XXXX and involved attorneys, refusing to refund overpayments received in excess of contract obligation amount and attempting to force signature on document releasing them from criminal activity liability with unreasonable deadline as condition of receiving refund of overpayments with interest charges requested due to years of nonpayment of money due, despite multiple requests for refund of overpayments.

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 2023-07-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've contacted XXXX XXXX XXXX XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XX/XX/2020 and XX/XX/2020 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 Equifaxs 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. 


XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-31
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Can't get monthly breakdown of interest vs. principal applied to the loan. Used to get that detail on their online banking site. They then " upgraded '' their online banking and this information is no longer available. Then had to call and request statements. They sent me one statement. Now they refuse to send me statements with this required information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bankruptcy filing that was dismissed and should have been removed from my credit. Bankruptcy was file in 2014. 

Also loan modification on current mortgage but late payments that were required to even be considered for a modification are still showing on mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Everytime I start paying my bills online and I go XXXX or XXXX and steal money out of my account and they do this often

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: VA
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 appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 2020-05-22
Company: Experian Information Solutions Inc.
State: PR
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:
There is an unauthorized inquiry on my credit report from XXXX on XX/XX/2019. I have written to Experian and they have not responded to my claim. I have placed a fraud alert on my credit report to deter possible future fraudulent inquiries and account openings.

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 2023-06-01
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The 10 years on my bankruptcy occurred in XXXX 2023. The credit score on my Equifax account generated by Vantage has not been adjusted or changed to show the bankruptcy removal. There is a statement of the Equifax website that reads that my score is impacted by a bankruptcy and recent delinquent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This is for a Perkins student loan. I did not receive any statements ( online or via mail ) starting after XX/XX/XXXX for my account. Every time I logged in to my account online, it said {$0.00} was due and that no interest was accruing. I thought that this was because of the federal student loan pause. In the middle of the month in XX/XX/XXXX, my account all of a sudden showed past due and interest had accrued ( my balance went up due to interest and late fees ). I did not receive a statement for this. I called the company in XXXX to ask what happened that they told me it was an internal error that erroneously marked my account as matured, and therefore it stopped sending me statements since XX/XX/XXXX. It was flagged in XX/XX/XXXX and then the account payments resumed, without them notifying me. I had just happened to log in to my online account for a second time that month to find out about the balance going up and past due payments. When I called the company in XX/XX/XXXX, they assured me this would not be reported to the credit bureaus and that I would need to file a forbearance form. I told them I didnt want future forbearance, but to have the past due amount and related interest removed from my account. I filled out the form anyway stating all of this info, and the they changed my account information online to show I was current and had late fees removed ( but interest from this time period was never removed ). In XXXX, I received notice from my credit monitoring service that my credit scores from all three credit bureaus had gone down by an average of 40 points due to a missed payment on this student loan account that had been reported. I called the loan servicer to ask for this to be removed since it wasnt my fault, and they said it would be removed at the end of the month ( XXXX ) since the account now says current. I also filed a dispute with all 3 credit bureaus stating what happened. The dispute did not change the past due payment listed on the account. As of today ( XX/XX/XXXX ), my credit reports all still reflect the erroneously reported past due payment. I called the loan servicer today and they showed on their end they had reported to the credit bureaus that there are no past due payments and there was nothing else they could do. I asked them for a formal letter stating all of the above information in case I need it as an explanation for the negative mark on my credit report. They said they can send an email to me and request a formal letter, but it is not guaranteed.

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 2017-01-14
Company: Automatic Data Processing, Inc.
State: SC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
My employer uses ADP as a payroll service - ADP made an error on my paycheck. I was sent an " A LINE '' card to have immediate access to funds. When trying to contact the " customer service '' within ADP A LIne card - I have been on the phone for over 3 hours trying to determine how I can access my money. I was told direction by one rep - than was completely contradicted by another. I was then told I would have someone call me back in 3 -5 days with an " escalation ''. There was literally no recourse, no superior, nothing other than I would be called back within 3 - 5 days. Meanwhile, I have 0 access to {$3200.00} that is currently floating somewhere in cyber space. UNACCEPTABLE. Meanwhile I am racking up funds from my bank for my checking account being below a threshold, and automatic payments will be bouncing. I can not believe I have been sandbagged so completely and that these practices are lawful nd acceptable, 3 -5 DAYS - and I may get a phone call back! ADP - the worlds largest payroll company, a Fortune 500 - AAA Credit rating etc ... in 2017 this is the best you can do???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This is the several time I've complained about the items needing to be removed from my credit report, and yet no changes were made, and it keeps appearing in my credit report despite being fraudulent. 

I want the following items removed from my file immediately : 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