BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

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 explanation
Consumer complaint received 2021-04-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity theft. I sent a ftc report in to all the credit bureaus, per the fcra the have to block these items within 4 business days. the following Accounts XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
It has been since XXXX XXXX since this account has began. Navy federal is just now closing this account on which is does not belong to me. It was reported as closed on XXXX XXXX. It had been charged off due to non payments. I have received multiple complaints, multiple phone calls and threats to continue to harm my credit report if I do not comply. This is not my account. I am requesting this account be removed due to old account of over 8 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i am writing to delete the following information in my file, the items i need delete are listed in the report i am a victim in identity theft and did not make the charge. i ask that the items be deleted to correct my credit report. i reported the theft of my identity to the federal theft admission, i also have enclosed copy 's of the federal trade commission identity theft affidavit. I will appreciate if you delete as soon as possible as it is a hindrance in my life to advance the events in my life style to provide a better life for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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
Consumer complaint received 2016-03-16
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My original loan was with XXXX about 10 years ago. They sold to Nationstar mortgage. When we were with XXXX we wanted to make bi monthly payments-XXXX said this is free to do and when we were ready to set this up we could do so. It also required paychecks/money to be into account so we were not able to do that at the time. Now that we are able to make bi-monthly payments to reduce our interest and loan term, Nationstar does not allow us to do so. We have no choice but to go to their outside contracted company who will charge us {$390.00} enrollment fee and then charge us a monthly fee for the rest of the loan term just to do a bi-monthly payment. We would have to pay about {$1700.00} extra bc they do n't allow bi-monthly bi weekly payments from their own customers. XXXX our original loan did not charge for this service and there would be no charge to us whenever we would be able to do so. Now that the loan was bought by Nationstar, the same terms do not apply and this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a Welcome email from Frost Bank regarding opening a new account on XX/XX/2023, at XXXX XXXX I then received two more emails stating that the security questions had been changed around XXXX XXXX on XX/XX/2023. I walked into a location bank branch and reported that an account was open in my maiden name as I changed my name at the beginning of the year. I provided the rep with my new ID and advised her that I didn't authorize the opening of an account with this financial intuition.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: OK
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:
My name is XXXX XXXX XXXX and Equifax has not removed the inaccurate information with evidence of the inaccurate information. I sent letters, pictures, my consumer rights that were violated and evidence of inaccurate information reporting on my consumer report. Equifax is continuing to violate my consumer rights and also adding defamation of character as this inaccurate information is keeping me from obtaining credit. 
Complaint # : XXXX The CFPB sent this complaint to Equifax : Sent to company STATUS Sent to company on XX/XX/2022 We've sent your complaint to the company, and we will let you know when they respond. 
Their response should include the steps they took, or will take, to address your complaint.

According to the law : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer This was Equifax response : Company responded STATUS Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information. 

Equifax could not have done a proper investigation or re-investigation because my NAME is spelled wrong. After their first, second, & third investigation my name is still wrong. Information on my credit report is still INACCURATE. Equifax is reporting false and inaccurate information and refusing to abide by the law. 

I have attached all factual documents and pictures of the evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXXXXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXXBalance : {$250.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$850.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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 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 explanation
Consumer complaint received 2021-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have perfect payment history with Capital One, but the account is showing one late payment from XX/XX/2019 which is NOT accurate. I have tried many times to have the issue resolved and corrected with Capital One, including emails and letters to their executives, but the attempts have not resulted in any positive resolution with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: NEW IMAGITAS, INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bank rate is advertising a 2.41 APR a 15 year fixed on XXXX. This rate is absolutely not available in any market, is misleading, and is in my mind false advertising. This is not the interest rate, this is the APR which includes points. There is no way this rate is available. I have checked rates and they are over 4 % currently

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: MOHELA
State: GA
Product: Credit reporting 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, MOHELA updated my bankruptcy - discharge of debtors from pending to approved. As you will see in 1 of 3 of the included attachments, my subsidized and unsubsidized Federal Student Loans ( FedLoan ) aka Department of Education is included in my XXXX XXXX  XXXX bankruptcy on the certificate page. Federal Loan transferred eligible loans to MOHELA around the summer time in XXXX. MOHELA, XXXX, and XXXX all have been habitual violators of closing, reopening, and changing the status of my student loans even though all agencies have proof of my XXXX  bankruptcy discharge documentation. XXXX, currently, is the only agency that has my student loan status as included in bankruptcy and closed as a status. These status changes has cause substantial and adverse financial hardships with the approval of credit applications as well as the ability to maintain a good consumer credit score rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Multiple letters have been sent out to Experian Credit Bureau. And they have failed to respond and provide validating information in regards to the collections that are being incorrectly reported as well as inaccurate. I have already clarified my intent to pursue both this complaint and legal action towards the following accounts which were brought to the bureau 's attention : Experian Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: MI
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 U.S.C 1681. 

XXXX XXXX XXXX ACCOUNT # 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 15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written Instruction 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 conviction of crimes which indicates 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 know or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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: Investigation took more than 30 days

Complaint:
Account # : XXXX To whom it may concern, I am writing to bring to your attention an error in my credit report and respectfully request your assistance in correcting it. I noticed that for the month of XX/XX/2023, my monthly payment was reported as overdue, despite the fact that I had set up automatic payment to be deducted from my bank account on the 29th of each month. 
Upon investigating the matter, I contacted my bank and was informed that due to the 29th falling on a Saturday, the payment was processed on XX/XX/2023. Although I explained the situation to the bank agent and the collection department, they both acknowledged the mistake but were unable to make the necessary correction. 
While I understand that correcting a credit report error can be a cumbersome process, I would like to emphasize the significant impact that this mistake has had on my family and me. Therefore, I kindly request that the overdue payment be removed from my credit report as soon as possible. 
Thank you for your attention to this matter, and I appreciate your assistance in resolving this issue. 
Sincerely,

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 2022-03-25
Company: GOLDMAN SACHS BANK USA
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have mailed a dispute letter with supporting documentation twice regarding a couple of charges from XXXX on my Goldman Sachs XXXX XXXX. The first mailing was with no tracking number, however, I sent the 2nd submission as USPS Priority Mail, tracking : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX See attachments for docs...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: DE
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00}, XXXX XXXX XXXX Balance : {$650.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: CarMax, Inc.
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an auto loan with CarMax Auto Finance. 

I am purposely overpaying my loan amount and want the extra amount applied to my principal. On XX/XX/XXXX I called CarMax Auto Finance to tell them to start applying any overpayment to my principal and not to the next payment ( which is the default option ). 

The person on the phone call said I would have to call every single month to ask for my payment to be applied to the principal. I asked if I could mail a check instead with clear instructions to apply the overpayment to the principal and the employee said I would still have to call every month. This phone call took nearly 15 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Action Revenue Recovery, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not valid due to the fact I had full coverage insurance ( XXXX ) at the time of service. The hospital did not bill my insurance correctly therefore, did not get paid. I am not responsible for this debt and the providers lack of due diligence and would like this to be removed from my credit file immediately, as it violates the fair reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am contesting the information on my credit report that I believe is not correct. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.

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 2021-04-19
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: Their investigation did not fix an error on your report

Complaint:
I disputed a bankruptcy account on my credit report with Experian and XXXX XXXX XXXX XXXX. Both Experian and XXXX XXXX XXXX said their source of information certified that the information was reporting correctly on my credit report. However, their source of information, XXXX XXXX, submitted to me a document prior to my dispute stating that they have removed the account from my credit file with them because they could not verify it in the time allowed by the law. On the other hand, XXXX nor Experian is following the laws in place about credit reporting. Even after I submitted physical proof to them that account was not verified by their source, they continuted to report negative information and continued to report unverified information.

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