BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: CA
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: GA
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:
This account of XXXX XXXX XXXX is fraudulent. I have no knowledge of this account and did not give anyone the right to my social security number. Nor did I give any rights for this account to be placed on my credit report from this company .Delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out to Transunion on numerous occasions, the latest attempt being yesterday XX/XX/XXXX to get inquires removed from my report. I even informed representative I would be reaching out to you all to file a complaint, because this is causing a hold up on my purchase, in return he told me go ahead. 

I have had no issues with the other 2 credit companies removing the inquiries. Transunion is the only company that refuses to help me. 

The below are the list of Inquires that I need removed due to me not recognizing or giving authorization to run or re-run my credit during the time listed. 


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. 

XXXX XXXX Auto Dealers, New XX/XX/XXXX TransUnion XXXXXXXX XXXX Financing XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, New XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX Issued by XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bank XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX Unions XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX Loan Companies XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX IXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion

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 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 was shocked when I reviewed my credit report this week and I found multiple inaccuracies of late payments still on my credit report from the 3 major credit bureaus after I was told this was fixed. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported this reporting was inaccurate. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand that these reporting statuses be updated.

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 2023-05-07
Company: Medical Data Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A new collection was opened on XX/XX/2023 at XXXX XXXX. Not really sure from when considering I dont remember ever going to XXXX XXXX for anything. I also have state health insurance so either way this would have been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Over the past few years, I have attempted multiple times to dispute two charge off accounts off of my credit reports reporting to Experian. Both of these accounts are showing going to a XXXX XXXX XXXX XXXX. I have informed Experian multiple times that these accounts do not belong to me and should be removed from my credit report. The last time I disputed these two accounts was in XX/XX/XXXX. I have not gotten any type of change on my credit report for these fraudulent accounts being reported and every time they complete an investigation, they just send me an email stating the investigation came back as the information being accurate and never send me any information as to what information was provided to prove that the accounts are accurate and that the accounts belong to me. As to my recollection, Experian is supposed to provide information directly to me from the investigation as to what they were provided to prove that these accounts belong to me and they have never done so. The first time that I disputed these accounts with Experian was in XX/XX/XXXX. At that time. I was also given the same answer to the investigation, and no results or changes were made to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
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: Account status incorrect

Complaint:
90 days have passed since i sent in the information asked of me to to fix my credit standing with and old mortgage from chase. I am on the phone for hours everyday speaking with hundreds of customer service reps that are either combative or not knowledgeable enough to understand this simple request on a mistake made on their end.

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 2018-10-30
Company: Northstar Location Services, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I gave them permission to speak to my mother regarding my account ( she is helping me get out of my debt and they asked for her phone number for their files. Well, Friday XX/XX/2018, they called her 10 times! She is not on the account as an authorized user, she is just authorized to discuss the account. I told them she would call them and that they are not call her. The whole time they were calling her, they were also calling my number multiple times. 

They started call her again yesterday morning and before XXXX they had called her 3 times as well as calling myself!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: FC HoldCo LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; 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 XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

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 2019-07-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Account # XXXX Creditor : XXXXXXXX XXXX XXXXXXXX. 

this was a closed/charged off account that i already paid in full. Equifax reported first on XX/XX/2019 as paid then suddenly they changed this account to unpaid for no reason known to me, and when i call them they don't have a given answer! 
yes every one i talk to, tell me something completely different than the one before him/her! 
yes one of them will tell me it's been updated to paid, when i go and check this out i see it still reported as unpaid! 
when i call back they will tell me it's been deleted! 
when i check, i find out it's still there as unpaid! 
Not only that but they report it as " unpaid '' with a recent date and this devastate my credit score! 
Yes on XX/XX/2019 they reported as " paid '', then on XX/XX/2019 they suddenly changed this to unpaid, for no reason known to me. when i asked them via phone, why? based on what you did this? they were not able to provide me with an answer! 
then again on XX/XX/XXXX they reported the same account as unpaid despite the " Paid In Full '' letter i faxed them from XXXX, the creditor! 
when I ask them why, they don't have an answer or send me a written response! 
this is a charged off, XXXX XXXX XXXX utility account of {$27.00}. 
XXXX sent me " paid in full '' letter that i faxed to Equifax, but Equifax disregarded this XXXX statement while continue to report it as " unpaid ''! to stop me from calling them, they now considered me and identity Thief! as such they now refuse to talk to me! to check my report i went to " annual free credit report '' but Equifax blocked me! but when i paid them to get my report they gave it to me immediately despite their claim of me being and identity thief! 
this is unusual!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: FL
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still unauthorized inquiries to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these inquiries. 

XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My credit report appears to have been corrupted. I was looking through my records once more when I discovered a lot of information, accounts, and other things that did not belong to me. Due to my meticulous study, I discovered that you are required by law to erase and block any accounts or information that are determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the necessary FTC Report for your records and the bank 's. Remove these files immediately : XXXX. XXXX XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX : {$7500.00} Date Opened : XX/XX/XXXX. If you believe there is a chance that these accounts belong to me, I will need all supporting documents bearing my signature ( according to another research item I discovered, you must confirm each account is 100 % true, accurate, correct, complete, and VERIFIABLE ). Please be aware that I will take legal action if you don't offer any records while saying the item is verified. Both my attorney and I do not enjoy gaming. Therefore, abide with the law so that this situation can be resolved quickly.

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 2019-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
I pulled my credit in XX/XX/XXXX and discovered Capital One had reported many late payments on my credit file. I called them, and they found that billing statements had not been sent to my house nor had my online profile been properly setup, so I wasnt getting the correct information. As a result, they agreed to remove XXXX and XXXX inaccuracies and investigate the remaining negative reporting. I called today to follow up and they are not willing to fix the other late payments to this account. All the late payments from XX/XX/XXXX until this year should be updated as paid as agreed. I am filing a complaint to the CFPB since Capital One has failed to honor the agreement to get these items fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Around   XXXX   XXXX    , I made purchases with  Saks Fifth Ave  using my major purchase account. The account had been opened by me and used over several years which I never had any issues with ( including same promotion programs during holidays and such ). After I made the purchases in  XXXX , I returned over 80 % of the items in the following months. I called and inquired why my min. payments remained high and the response was that I should have read the fine prints better that I had to make the same minimum payments regardless whether those purchases were returned until my account is fully paid off  (  including any previous purchases not under the same promotional program ). I asked why the new program was n't clearly advertised to the consumers as to what the significant changes were and they said a separate letter was sent out along with the privacy statements. I was in disbelief as a customer of Saks for over 10 years with good payment history being treated as such. This has created financial burden as I was n't expecting the terms as such so my cash flow was negatively impacted. I finally paid the account in full and closed. As a honest consumer and willing to make full payments and a long history with the Company, I was misled and mistreated by Saks. When I finally called  Capital One , they disclaimed their responsibilities as they said it was n't their responsibilities of how the store promoted the credit program. Additionally, Capital One was also unwilling to help in anyway because it was n't their responsibility in working with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: First Advantage LNS Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have mad e 3 attem pts to rectify this account with this debt collector. No matter how much sense it makes they just continually say the same thing. My first problem is my lease was broken  by 2 weeks n ot 4 months. The lease dates are not correct. The lease they provided me was not dated by me or the resident agent because I opted not to renew the lease. Also there are previous charges of almost {$3000.00} but they failed to provide a printout for what those charges were for.They have to early termination charges of {$1700.00}  one states Pre-Term the other says Lack of Notic e which is the exact same thing worded differently, also in the contract there is not a clause presented in reference to early termination fees. The amount they are saying I owe is utterly ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: Experian Information Solutions Inc.
State: LA
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:
RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

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 2023-10-05
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: Account information incorrect

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2017-05-18
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have made several attempts to settle this matter and we have sent information requesting documents that prove that our position is correct, but they will not release those documents because they are very telling. So this has led us to file again the questions that were not addressed in their reply to you initially. They have already admitted that they do not have the original note and mortgage, but this was key to them getting a judgement against us. where is the fairness in that. The additional questions are being asked to ascertain the position that they have accepted or offer by singing the registered mail sent months ago, and it should be honored. and the sale stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: NAVY FEDERAL CREDIT UNION
State: AP
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX I sent XXXX dollars for property purchase from Navy federal to the XXXX bank under my name. 

XX/XX/XXXX I received a call from XXXX  XXXX  that they cant not accept the fund since it is over XXXX dollars due the restrictions and advised me that Navy Federal should have known this. 

XX/XX/XXXX I have let Navy Federal know that it was rejected due to the policy and I asked when the fund will come back. 

XX/XX/XXXX Still dont see the fund back and I talked to the international wire transfer department and the assistant said that my branch should have been aware that over XXXX dollars is not allowed for wire transfer to XXXX and they have to send the fund back including the comissiom XX/XX/XXXX The fund is still located at XXXX  ( second back that Navy Federal used to do wire transfer ) and it still has not came back. 

XX/XX/XXXX I called the Navy Federal wire transfer and I was told that the fund might not come back if it was fraud. Then I was told that they sent the recall message to wellsfargo. 

It was not a fraud. It was the account under my name. Sending A bank to B. The maximum amount I could send was XXXX dollars and the Navy Federal branched in XXXX XXXX did not know and did not look up the regulations. At this point, they could not provide me the timeline and could not locate the funds. In addition, one assistant even told me there is a possibility I would not get the fund back. 

It is making me feel miserable. I sent the fund to purchase my first home here in XXXX and they even told me that the money I sent properly to my account would not come back to me. This process seems fraud and unfair to me and it occured due to lack of attention from Navy Federal. If I do not see the fund back for longer period of time, Ill open the lawsuit case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation