BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Please see attached documentation that I received from XXXX today stating that my loans were in general forberance during the specified time periods. Therefore, the loans should not have been reported as delinquent on my credit report. I feel as though all of my loans that are with account number XXXX should be corrected to reflect the attached letter. I spoken with XXXX multiple times and they declined to fixed their reporting. I do n't think it 's right that my credit report is affected negatively due to this inaccuracies. The letter from XXXX clearly states the dates of my forbearance. This has caused me to suffer significantly in regards to credit approvals, which includes, but not limited to higher than normal interest rates, required deposits, and denials. 

Furthermore, attached is an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time. 

The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct. '' I have tried to dispute this multiple times throughout the years with no.resolution. I would like for the CFPB to present my position along with the documentation provided to all ( XXXX ) major credit reporting agencies so that they can take the appropriate action in fixing my credit report. As reflected on my credit report attached all loans have since been paid and I do not owe XXXX for the accounts in question. How is it possible that my loans can reflect in deferment per the XXXX attached letter, but appear delinquent on your credit report? This is a major conflicting discrepancy that I wish to get resloved because essentially I believe that my credit report should match the statement provided from XXXX. I desperately seek some form of relief. 

Thank You FTC advisory opinion : https : XXXX I have also attached my credit report that will reflect the late payments on XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I returned from XXXX in XX/XX/XXXX and in an attempt to get an apartment I learned about credit cards that had been opened in my name. I was a volunteer missionary from XX/XX/XXXX until XX/XX/XXXX, and then returned in XX/XX/XXXX through XX/XX/XXXX to XXXX XXXX and literacy at rural elementary schools. According the credit reports I have managed to obtain, all accounts were opened and used while I was in XXXX. 
I filed a letter with each credit reporting agency and with the credit card companies. Several companies immediately resolved the issue and closed the accounts - XXXX have been removed from my credit report and I believe the remaining accounts will come off soon, as they said they would be. I received a response from XXXX that they had no record of the account and then refused to continue any investigation ; additional letters only resulted in their sending me a package with all statements from the fraudulent account. The disputes came back from each CRA with no changes. 
Becoming XXXX as an adult and not able to use XXXX services ( or XXXX ), it is very difficult to communicate with the credit card companies myself. I send everything through letters or fax. 
There are a lot of errors on my account, including names, addresses, phone numbers, inquiries, and credit accounts.

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 2023-12-25
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My husband deposited his payroll check thru ATM on XX/XX/2023. He said after the machine took his check the screen went blank & said error & gave him his card back. On that Monday the XXXX we checked online to see if money/check got deposited, it did not. So he called our local bank late afternoon before they closed. The manager took his name & # & said ATM person was not working that day but would be in tomorrow & would call him. 
She never called. I called again to local bank on Wednesday XXXX & got recording saying they could not answer their phone. I messaged the US bank thru XXXX & they said they got a hold of my local bank & they were short on help. After this my local bank finally called me saying that the ATM person " tried to reach out to my husband '' - he never got call or voicemail. The manager told me they could not deposit the check even though it was found in the ATM & the ATM messed up. The ATM is handled by a 3rd party. He said the check was in dispute & had to be investigated & he expected it to be deposited by weekend. I also called XXXX # two different times & was told same thing the check could take up to 10 days to be put in our account, the first call we got disconnected even though my phone still showed we was connected but all of a sudden no one was there, on the second call the woman hung up on me. I tried to call local bank AGAIN on Saturday XXXX before they closed & no one could answer their phone. As of XXXX check has NOT been put in our account. I messaged them again on XXXX & someone is suppose to call me on Tuesday XXXX so I can file a complaint with them.

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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
contacted Transunion via phone and told them about inquiries that are on my report that i did not authorize. Was instructed to mail in a letter disputing these so they can be removed. Even after submitting letters twice via certified mail # XXXX they still remain and company refuses to remove these items i did not give permission for nor give consent for these to appear on my cunsumer report. 

XXXX XXXX XXXX XXXX ON XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 I have also written them dispute letters for company XXXX and asked that they removed Acct # XXXX via certified mail # XXXX from my consumer report and provide the documents with wet signature the company provided they with to even place this on my consumer report and it still remains nor have they provided any original documents pertaining to the alleged debt. 

Transunion has had well over 60 days the delete these and have yet to comply. I demand these be removed as they are not mines and the company has not provided proof with orginal contract with wet signatures to prove otherwise.

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-04-07
Company: Zions Debt Holdings
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I spoke with the agency Monday to settle the debt. They would not accept my payment amount offered. Contacted me 4 days later to threaten to pay the debt or they will take legal action. Law states they can not contact me within 7 days of speaking with me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2019 I had XXXX available in my checking account I paid a bill in the amount of XXXX that was debited immediately from my account leaving me an available balance of XXXX I received a text message after I paid the bill. later that night I had an emergency so I debit {$300.00} from my account and was notified I will receive {$35.00} overdraft fee for the transaction leaving my account negative XXXX. on XX/XX/2019 I receive notification my account is negative XXXX which is the amount including the overdraft fee. Then on XX/XX/2019 I receive notification that my account is overdrawn XXXX because my payment of XXXX that was debited immediately on XX/XX/2019 and the overdraft fee. This is not the 1st 2nd or 3rd time I have been charged for transactions that had been completed already.

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 monetary relief
Consumer complaint received 2018-11-07
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I checked my bank account remotely on XX/XX/2018 and immediately reported 8 fraudulent charges to my account, and closed the card. I have no XXXX  account and no relationship to the Fl Tag Go Renew DMV in Florida. One can observe two other non fraudulent charges that bracket these other charges, both occurring in Pennsylvania and being legitimately my purchases. On XX/XX/2018, I went into a TD Bank and filed a dispute, surrendering my debit card. On XX/XX/2018, I received a letter saying they denied my fraud claim dipute. I was under the impression that there are consumer protections, especially given that I reported the fraud almost immediately ( the same day ) and still had possession of my debit card. The bank representatives continue to tell me that because the merchant could verify the XXXX code and zipcode, that they have deemed the charges to have been mine. If the suspect stole this information online, of course they would also have all of this " verifying '' information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
During the past few days I tried to make a purchase of a specific item over {$400.00}. Four times the purchase was denied by the bank. Yet, the bank applied each declination against my credit limit, a total of more than {$1600.00} erroneously applied. Today, when I tried to make two small purchases, well under {$50.00}, the bank declined both purchases. When I contacted the bank, I was told that it would take about 10 business days, or about two weeks, to remove the charges because they are PENDING, even though all were declined. Total incompetence and anti-consumer action by Capital One, owned in large part by Walmart.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Early this year I completed and mailed in the form on the CFPBs website requesting a free copy of my credit report from each of  XXXX , Equifax and   XXXX   XXXX  .
As of today,   XXXX   XXXX  , 2017, I have not received a copy of my credit report from any of them this year.
I am applying for a mortgage and must get copies of my credit reports.
Please force each of these credit agencies to send me a copy of my credit report without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: Mercedes Benz Financial Services
State: MS
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2021 deragatory information provided. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Consumer disputes this account information Medical Subject has not satisfied debt. 

This letter is being sent to you in light of the notification I recieved from your organization and more importantly, because of your erroneous reporting to the credit bureau { s }, the highly adverse effect on my own credit report. Please be advised that this isn't refusal to pay, but a notice pursuant sent according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } That your case is disputed and validation is requested.

This isnt a request for " Verification '' or proof of my mailing address, however a request for VALIDATION made according to the above-named Title and Section. I deferentially request that your offices provide me with competent proof that I have legal obligation to pay you. 

It would be ideal if you provide me with teh following : * What the money you say I owe is for : XXXX Explain and show me how you calculated what you say I owe : *Provide me with copies of any papers that show I agreed to pay what you state I owe : *Provide a verification or copy of any judgement if applicable : *Identify the original creditor : *Prove the Statute of Limitatiohns has not terminated on this account : *Show me that you are authorized to collect in my state :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-08-10
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 I login to pay my credit card in full ( which I always do ) and I found my account closed. I've had this card for over 10 years and never had any issues with it, and my balance is always paid off in full. I called 3 times and in all times they said that I should have gotten a document in the mail but I do not have anything. To top it off, I lost all my thank you points that I have accumulated over the years.

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 2020-04-06
Company: Contemporary Information Corp
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied for a home to rent, on XX/XX/XXXX, and the realtor agency made a " hard '' inquiry instead of a " soft '' inquiry. I never agreed/signed anything giving them permission to make a hard inquiry. this hard inquiry seems to have dropped my credit score by 182 points ... an extremely significant amount. i decided not to sign a lease with them. and since the extreme drop in my credit score has lowered my credibility, i am having difficulty applying for other homes. no owner wants to rent to me without a co-signer and/or raising the security deposit 3 to 4 times higher. i have called the realtor, the company they used to make the inquiry, and XXXX directly. No one seems to be able to remove this hard inquiry from my report. I'm hoping you can help. I have a XXXX due in XXXX and we could really use a bigger home right now. 

Here 's the realtor who initiated our rental application : XXXX XXXX XXXX XXXX XXXX, CA phone : XXXX They used : CONTEMPORARY INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
To Whom it May Concern, In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my consumer report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) XXXX is in violation of not reporting 100 % accurate and not reporting at all. 

On XX/XX/2022 I sent in a dispute letter to XXXX asking them to verify a bankruptcy they are reporting on my credit report, I never recieved a response. 

I also disputed the same bankruptcy with TransUnion and XXXX. 
XXXX deleted the bankruptcy, meaning they couldnt verify it. 
I'm still battling with TransUnion on this matter. 

On XX/XX/2022 I sent in another dispute letter to XXXX making them aware that if they don't respond or comply with my dispute letter I would file complaint with the CFPB, the XXXX, and the Attorney General 's office and sue for damages.

I still haven't recieved a response. Instead they deleted my whole credit report and score. They haven't been reporting for the past 4-5 months. ( see attachment ) I have been reaching out to them to try to fix this matter ( dispute letter attached ), but unfortunately they won't respond.

I need your help with 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 non-monetary relief
Consumer complaint received 2017-03-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian is in violation of FCRA 15 U.S.C. 1681, 611 ( a ) ( 6 ) and ( 7 ). They continue not to investigate the inaccurate information that they are reporting on my credit file. They have not provided me with Physical evidence as to who, what, where they are getting this inaccurate information. They merely are speculating and putting " updated, '' and " remains. '' None of which show me how exactly they verified any of the inaccurate accounts on my file. This is my final attempt before I am forced to pursue litigation in my local circuit court. I have provided Experian a description of each inaccurate account and case law surrounding what FCRA laws there are to abide by, which they have not been doing. This is my final amicable attempt to resolve these inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: Nelnet, Inc.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was a victim to fraudulent loan practices by the XXXX  XXXX XXXX and XXXX XXXX  XXXX XXXX. I have contacted to schools and the lender and nobody is helping me remove the loans from my Nelnet account. This has been an ongoing issue for years and I continue to be charged interest.

Company response to consumer: Closed with explanation